KR102240203B1 - Method, appartus and program for providing credit payment service - Google Patents

Abstract

A method performed by a computer, the method comprising: receiving a collateral asset from a user, evaluating the value of the collateral asset, determining the user's credit settlement limit based on the value of the collateral asset, the user's Receiving a credit payment request, when receiving the credit payment request within the credit payment limit, approving the credit payment, storing the credit payment details, and the user's credit payment after a predetermined time A method for providing a foreign transaction service is disclosed, including the step of summing and claiming.

Description

Foreign transaction service provision method, device and program {METHOD, APPARTUS AND PROGRAM FOR PROVIDING CREDIT PAYMENT SERVICE}

The present invention relates to a foreign transaction method that evaluates the value of a digital asset provided as collateral, and allows a customer who cannot trade with a digital asset to freely pay with credit within a certain limit of the digital asset value.

The content described in the section merely provides background information on an embodiment of the present invention and does not constitute the prior art.

In the days when there was no money, barter was used to buy goods or get services. In order to alleviate the inconvenience of the days when there was no proper means of payment, real money made in the form of bills and coins appeared. However, due to the fact that banknotes and coins are inconvenient to carry and there are limitations in foreign transactions, credit cards have emerged as a means of payment since then.

Since credit cards pay by credit as collateral, personal credit rating evaluation through the provision of personal information is inevitable during the credit card issuance process. In addition, when evaluating personal credit ratings, personal real estate assets, annual salary, and existing credit transaction details may be included in the credit rating evaluation elements, and cryptocurrencies, game money, points, and mileage held by individuals are not included.

In particular, cryptocurrencies such as bitcoin, which have been attracting attention due to the rapid rise in recent years, are extremely rare for customers to accept as a payment method that can be traded online or offline. Therefore, holders of cryptocurrency assets such as bitcoin have no choice but to trade after securing cash by selling bitcoin for online/offline transactions. However, in recent years, the market price of cryptocurrency assets such as bitcoin has been soaring unlike real money, so if bitcoin holders sell and trade online/offline, there is a problem that the expected return due to the market price difference decreases.

In addition, game money, points, and mileage that are not being used right now cannot be evaluated as assets for securing liquidity, so there is a problem in that the currency is poor.

The problem to be solved by the present invention is to provide a method for providing a foreign transaction service.

The problems to be solved by the present invention are not limited to the problems mentioned above, and other problems that are not mentioned will be clearly understood by those skilled in the art from the following description.

A method for providing a foreign transaction service according to an aspect of the present invention for solving the above-described problem includes receiving a secured asset from a user, evaluating the value of the secured asset, and the user based on the value of the secured asset. Determining a credit payment limit of the user, receiving a credit payment request from the user, approving the credit payment when receiving the credit payment request within the credit payment limit, and storing the credit payment details And billing by summing the user's credit payment amount after a predetermined time.

In addition, the step of claiming may include disposing of at least a portion of the collateral asset when at least a portion of the user's credit settlement price is not paid within a preset period.

In addition, evaluating the value of the collateral asset may include evaluating the present value of the collateral asset and evaluating the value of the collateral asset at a future point in time.

In addition, the determining of the credit settlement limit may include calculating a security ratio for the collateral asset, calculating an amount obtained by applying the security ratio to the collateral asset, and the credit settlement limit based on the calculated amount. It may include the step of determining.

In addition, the step of determining the credit payment limit includes determining a credit payment limit to be applied during a preset reference period, and when the reference period elapses, re-determining the credit payment limit to be applied during the next reference period, and , The claiming may include the step of summing and claiming the credit payments for the reference period after the reference period has elapsed.

In addition, evaluating the value of the secured asset at one point in the reference period, and when the sum of the amount of the credit payment exceeds a predetermined ratio of the value of the secured asset, stopping the user's credit payment approval. It may further include.

In addition, the collateral asset includes at least one variable asset, and the method includes the steps of updating the value of the collateral asset every preset time interval, and the sum of the credit settlement amount is a predetermined ratio of the value of the collateral asset. If exceeds, the step of disposing at least a portion of the variable asset may be further included.

In addition, the disposing may further include purchasing another variable asset as an asset obtained by disposing of at least a portion of the variable asset and incorporating it into the collateral asset, and updating the value of the collateral asset. .

An apparatus for providing a credit transaction service according to an aspect of the present invention for solving the above-described problem includes a memory for storing one or more instructions, and a processor for executing the one or more instructions stored in the memory, and the processor is the one By executing the above instruction, it is possible to perform the method for providing a credit transaction service according to the disclosed embodiment.

The credit transaction service providing program according to an aspect of the present invention for solving the above-described problems is combined with a computer that is hardware, and is stored in a computer-readable recording medium to perform the method of providing credit transaction service according to the disclosed embodiment. Is saved.

Other specific details of the present invention are included in the detailed description and drawings.

As described above, according to an aspect of the present invention, there is an advantage in that a foreign transaction can be performed using digital assets as collateral without providing credit information, so that a foreign transaction capable of protecting personal information can be performed.

According to another aspect of the present invention, there is an advantage of improving the usability of digital assets by enabling foreign transactions to be carried out as collateral for digital assets having low liquidity.

In addition, there is an effect of providing an incentive to encourage the use and spread of services according to the disclosed embodiment.

The effects of the present invention are not limited to the effects mentioned above, and other effects not mentioned will be clearly understood by those skilled in the art from the following description.

1 is a diagram showing a credit transaction system according to an embodiment of the present invention.
2 is a diagram illustrating an example of displaying information on a quote price of a variable asset according to an embodiment of the present invention.
3 is a diagram showing the configuration of a variable asset value evaluation apparatus according to an embodiment of the present invention.
4 is a diagram showing the configuration of a credit transaction device according to an embodiment of the present invention.
5 is a timing chart showing a process in which payment is made according to an embodiment of the present invention.
6 is a timing chart illustrating a process of selling a collateral asset due to a lack of collateral according to an embodiment of the present invention.
7 is a diagram showing the configuration of a credit transaction device according to another embodiment of the present invention.
8 is a flow chart illustrating a process in which the credit transaction device proceeds with credit payment according to another embodiment of the present invention.
9 is a detailed diagram illustrating a process of predicting volatility of a collateral asset of FIG. 8 according to another embodiment of the present invention.
10 is a detailed diagram illustrating a process of predicting volatility of a collateral asset of FIG. 8 according to another embodiment of the present invention.
11 is a flow chart showing a method of credit transaction according to another embodiment of the present invention.
12 is a flowchart illustrating a method of providing a foreign transaction service according to an embodiment.
13 is a flowchart illustrating a method of valuation of collateral assets according to an exemplary embodiment.
14 is a flowchart illustrating a method for valuation of a cryptocurrency-based collateral asset according to an embodiment.
15 is a flowchart illustrating a method of paying cryptocurrency according to storage of digital assets according to an embodiment.

In the present invention, various changes may be made and various embodiments may be provided, and specific embodiments will be illustrated in the drawings and described in detail. However, this is not intended to limit the present invention to a specific embodiment, it should be understood to include all changes, equivalents, and substitutes included in the spirit and scope of the present invention. In describing each drawing, similar reference numerals have been used for similar elements.

Terms such as first, second, A, and B may be used to describe various elements, but the elements should not be limited by the terms. The above terms are used only for the purpose of distinguishing one component from another component. For example, without departing from the scope of the present invention, a first element may be referred to as a second element, and similarly, a second element may be referred to as a first element. The term and/or includes a combination of a plurality of related listed items or any of a plurality of related listed items.

When a component is referred to as being "connected" or "connected" to another component, it is understood that it may be directly connected or connected to the other component, but other components may exist in the middle. It should be. On the other hand, when a component is referred to as being "directly connected" or "directly connected" to another component, it should be understood that there is no other component in the middle.

The terms used in the present application are only used to describe specific embodiments, and are not intended to limit the present invention. Singular expressions include plural expressions unless the context clearly indicates otherwise. In the present application, terms such as "comprise" or "have" should be understood as not precluding the possibility of existence or addition of features, numbers, steps, operations, components, parts, or combinations thereof described in the specification. .

Unless otherwise defined, all terms including technical or scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which the present invention belongs.

Terms as defined in a commonly used dictionary should be interpreted as having a meaning consistent with the meaning in the context of the related technology, and should not be interpreted as an ideal or excessively formal meaning unless explicitly defined in the present application. Does not.

In addition, each configuration, process, process, or method included in each embodiment of the present invention may be shared within a range not technically contradictory to each other.

1 is a diagram showing a credit transaction system according to an embodiment of the present invention.

Referring to FIG. 1, a credit transaction system 10 according to an embodiment of the present invention includes a payment means 100, a variable asset value evaluation device 200, and a credit transaction device 300.

The credit transaction system 10 according to the present invention provides a credit transaction apparatus that performs credit settlement with collateral assets, not personal credit information. Accordingly, the credit settlement limit is determined according to the price of the collateral asset, and credit transactions can be freely performed up to the credit settlement limit. However, collateral assets include not only fixed assets traded at a fixed price such as mobile gift certificates, game money, points, tickets, and usage rights, but also floating assets such as cryptocurrency, stocks, and foreign currency. Therefore, the method of valuation of collateral assets may vary depending on the nature of the collateral assets.

The payment means 100 may provide a collateral asset to the foreign transaction device 300 and request a foreign transaction. The payment means 100 may provide not only fixed assets traded at a fixed price, such as mobile gift certificates, game money, points, tickets, and usage rights, but also variable assets such as cryptocurrency, stocks, and foreign currency as collateral assets. The payment means 100 may be in the form of a credit card that can be used in a general affiliated store 500 or may be in the form of a mobile pay.

When receiving a payment request through communication between the payment means 100 and the affiliated store 500, the credit transaction device 300 checks the credit payment limit based on the identification information of the payment means 100, and the credit payment proceeds. Make it possible. The credit transaction device 300 may set the credit settlement limit as a value obtained by applying the security ratio to the present value of the security asset. The credit transaction device 300 predicts the volatility of the fluctuating asset price because the price of the variable asset among the collateral assets fluctuates in real time, and it takes a considerable amount of time until the user pays the credit price after the payment is made. In addition, it is necessary to adjust the credit settlement limit according to volatility. Accordingly, the credit transaction device may calculate the credit settlement limit by receiving the collateral ratio based on the volatility information of the variable asset in the future as well as the present value of the variable asset from the variable asset value evaluation device 200.

The credit transaction device 300 may apply a fixed collateral ratio for fixed assets and adjust the collateral ratio for variable assets according to the volatility received from the variable asset evaluation device 200. When the value of the variable asset decreases and the value of the variable asset is predicted to further decrease in the future, the credit transaction device 300 sets the ratio of the collateral to the value of the collateral asset applying the value of the current variable asset. If you are within the multiplied credit limit, you can lower the mortgage ratio to reduce future credit settlements.

When the value of the variable asset decreases further, the credit transaction device 300 becomes larger than the credit limit applying the collateral ratio to the value of the collateral asset to which the value of the current variable asset is applied, and the unsettled credit transaction amount becomes larger, the payment method 100 Reimbursement can be requested by requesting reimbursement, or by disposing of a variable asset that is predicted to decline further among the collateral assets.

The credit transaction device 300 can predict the volatility of variable assets and adjust the collateral ratio so that the credit transaction price does not exceed the collateral asset, so that the debt transaction price can be recovered smoothly, but the volatility of the variable asset is the asset. In the case of the case, the value can be reduced to tens of fractions even within a short period of time, so it is necessary to check the current value of the variable asset at regular time intervals to ensure that the payment amount is within the credit settlement limit. In some cases, the credit transaction device 300 may dispose of the variable asset and receive reimbursement for the unsettled credit transaction amount when the variable asset is rapidly falling.

The credit transaction device 300 may request reimbursement for the credit transaction price every predetermined period or when the credit transaction price reaches the credit settlement limit, the payment means 100 may request repayment of the credit transaction price. The credit transaction device 300 may receive reimbursement by disposing of a collateral asset when repayment of the credit transaction price is not made despite a request for repayment of the credit transaction price. The credit transaction device 300 may first dispose of and receive reimbursement from a variable asset that has a high volatility among collateral assets and affects repayment of the credit transaction price. The credit transaction device 300 may protect the collateral asset by disposing of the variable asset from the sudden drop in value within the variable asset.

The credit transaction device 300 may calculate a fee according to the credit transaction price and take the fee as a profit. The credit transaction device 300 may pay a part of the fee as points. The credit transaction device 300 may generate a fee even when disposing of a collateral asset because the payment of the credit transaction is not paid, and the fee may be taken as revenue. Even at this time, the credit transaction device 300 may be accumulated by paying a portion of the commission as points. The credit transaction device 300 may allow a fee to be settled with the accumulated points when the accumulated points exceed a predetermined value.

The credit transaction device 300 may dispose of the collateral asset only for a portion in which the credit payment amount exceeds the credit payment limit. The foreign transaction device 300 may request a sell order from the collateral asset exchange 400 to dispose of collateral assets. The credit transaction device 300 may use all of the disposed secured assets to reimburse the credit settlement even when the value of the secured assets disposed due to volatility of the secured assets exceeds the credit settlement limit.

The variable asset value evaluation apparatus 200 may evaluate the value of the variable asset, predict the volatility of the variable asset, and calculate a collateral ratio. When it is predicted that the value of the variable asset will increase in the future, the variable asset value evaluation apparatus 200 may increase the amount of credit settlement by increasing the collateral ratio. On the other hand, when the value of the variable asset is predicted to decrease in the future, the variable asset value evaluation device 200 may lower the credit settlement limit by lowering the collateral ratio.

The variable asset value evaluation apparatus 200 may predict volatility by measuring the transaction price or volume of the variable asset at predetermined time intervals in order to predict the volatility of the variable asset. The variable asset value evaluation apparatus 200 may check the quote information of the variable asset for each variable asset, and predict the volatility by using the transaction price or transaction volume revealed in the quote information.

The secured asset exchange 400 may sell the secured asset upon receiving a request to sell the secured asset from the credit transaction device 300. The collateral asset exchange 400 may receive a type of collateral asset and a sell order quantity of collateral assets from the credit transaction device 300. The secured asset exchange 400 may apply the current market price as the selling price of the secured asset. The secured asset exchange 400 may remit the price of the sale of the secured asset to the credit transaction device 300.

2 is a diagram illustrating an example of displaying information on a quote price of a variable asset according to an embodiment of the present invention.

Referring to FIG. 2, the variable asset value valuation apparatus 200 according to an embodiment of the present invention may use quote information to predict the volatility of a variable asset.

The quotation information is divided by quotation unit and the order balance is displayed. Asking price information can be listed in order of order price: the quantity of the quantity that has placed a sell order but has not yet been sold, and the quantity that has made a buy order but has not yet made a purchase order.

If a sell order is placed but a buy order is placed for a quantity that has not yet been sold, it can be regarded as a sell advantage transaction (A).If a buy order is placed but a sell order is received for a quantity that has not yet been signed, a buy advantage transaction It can be seen as (B).

Since the sell advantage trade (A) intends to buy even by raising the buy price by one level, the buyer is more willing to buy than the buy advantage trade (B). In other words, it can be interpreted that the selling advantage (A) is that the buyer wants to buy even after giving more money. On the other hand, the seller's willingness to sell is greater than that of the sell advantage (A) because the buy advantage (B) intends to sell even if the seller has lowered it by one level. In other words, a buy advantage transaction (B) can be interpreted as the seller wants to sell even by lowering the price.

The volatility of a variable asset can be determined by analyzing the sell advantage (A) and the buy advantage (B). The volatility of a floating asset can be largely predicted by the volume and transaction price. If the transaction value arising from the sell advantage transaction (A) is greater than the transaction value caused by the buy advantage transaction (B), it can be interpreted that there are many people who want to buy even by raising the price, so it can be predicted that the variable assets will rise in the future. On the contrary, if the transaction price caused by the buy advantage transaction (B) is more than the transaction price caused by the sell advantage transaction (A), it can be interpreted that there are many people who want to sell even by lowering the price, so it can be predicted that the variable assets will decline in the future.

Another way to predict the volatility of variable assets is to obtain the weighted average of the sell advantage by dividing the transaction value from the sell advantage transaction (A) by the volume generated from the sell advantage transaction (A), and obtain the transaction value from the buy advantage transaction (B). The volatility of a variable asset can be predicted by dividing by the volume of trading that occurred in the buy-pricing transaction (A) to obtain the weighted average of the buy-prime and by comparing the weighted average of the sell-advantage and the weighted average of the buy-advantage traded during the same time period.

Divide the transactions that took place during the same time into a sell-priority transaction (A) and a buy-priority transaction (B) to obtain the weighted average of the sell advantage and the weighted average of the buy advantage. If it is higher than the weighted average price, it can be predicted to decline, and if the selling advantage weighted average price is higher than the selling advantage weighted average price, it can be predicted to rise.

The buy advantage transaction (B) means that the buyer places a buy order first, and then the seller places a sell order, and the transaction takes place. The sell advantage transaction (A) means that the seller places a sell order first, and then the buyer's buy order occurs, and the transaction takes place. Therefore, the fact that the weighted average of the buy advantage caused by the buy advantage transaction (B) is higher than the weighted average of the sell advantage caused by the sell advantage transaction (A) can be interpreted as a transaction after the buyer places a buy order at a price higher than the average transaction price. It can be seen that floating assets are more likely to be traded at a higher price than the current average trade.

The fact that the selling advantage weighted average resulting from the sell advantage transaction (A) is higher than the buy advantage weighted average caused by the buy advantage transaction (B) can be interpreted as the successful completion of the transaction after the seller placed a sell order at a price lower than the average transaction price. It can be seen that floating assets are likely to be traded at a price lower than the current average transaction price.

3 is a diagram showing the configuration of a variable asset value evaluation apparatus according to an embodiment of the present invention.

Referring to FIG. 3, the variable asset value evaluation apparatus 200 may include a quote information verification unit 210, a collateral ratio calculation unit 220, a variable asset prediction unit 230, and a variable asset calculation unit 240. .

The ask price information verification unit 210 may check the selling advantage transaction (A) and the buying advantage transaction (B) of the variable asset. The ask price information confirmation unit 210 may confirm by matching the transaction price and the transaction volume of the selling advantage transaction (A). In addition, the ask price information confirmation unit 210 may confirm by matching the transaction price and the transaction volume of the purchase advantage transaction (B).

The variable asset prediction unit 230 may receive information on a selling advantage (A) and a buying advantage (B) from the ask price information confirmation 210 to predict future volatility of the variable asset. The variable asset prediction unit 230 may add the number of increases and the number of decreases by analyzing the selling advantage transaction (A) and the buying advantage transaction (B) during the same period of time. The variable asset prediction unit 230 may predict that the variable asset will rise when the number of rises exceeds a predetermined number of times, and may predict that the variable asset will fall when the number of falls exceeds the predetermined number. The variable asset prediction unit 230 may predict that the price fluctuation of the variable asset will not be large if the rising signal or the falling signal does not occur continuously.

The variable asset prediction unit 230 may detect a change in the future value of the variable asset only when a rising signal or a falling signal continuously occurs. The variable asset prediction unit 230 may generate a variable capable of counting the number of rises and the number of falls in order to confirm the continuous occurrence of the rising signal and the falling signal. The variable asset prediction unit 230 may predict that the variable asset will rise when the number of rises is greater than or equal to the predetermined number, and may predict that the variable asset will fall when the number of falls is greater than or equal to the predetermined number. The variable asset prediction unit 230 may predict that the value of the variable asset will not be significantly different from the current variable asset value when neither the number of rises nor the number of falls satisfy a predetermined number.

The collateral ratio calculation unit 220 may receive variable volatility information from the variable asset prediction unit 230. When the rising signal of the variable asset occurs continuously, the collateral ratio calculation unit 220 may increase the collateral ratio so that more foreign transactions are possible. On the other hand, if the falling signal of variable assets continuously occurs, the collateral ratio calculation unit 220 may lower the credit transaction limit or lower the collateral ratio so as to urge reimbursement for the foreign transaction that has already occurred.

The variable asset calculation unit 240 may calculate the value of the variable asset provided as collateral using information based on the current transaction price of the variable asset. The variable asset calculation unit 240 may receive current transaction price information from the ask price information confirmation unit 210, and calculate the current value of the variable asset through the current transaction price information. Since the variable asset calculation government 240 must calculate the value of selling the variable asset provided as collateral, the current value of the variable asset can be calculated at the highest price among the quote information provided in the buy advantage transaction (B).

4 is a diagram showing the configuration of a credit transaction device according to an embodiment of the present invention.

Referring to FIG. 4, the credit transaction device 300 includes a payment request receiving unit 301, a collateral asset value storage unit 302, a collateral ratio management unit 303, a payment request amount payment unit 304, and a payment history storage unit 305. ), a payment settlement unit 306, an automatic fee payment unit 307, a point management unit 308, and a collateral asset recovery unit 309.

The payment request receiving unit 301 receives a payment request from the payment method 100, checks the credit limit, determines whether additional credit payment is possible, and then the payment request amount payment unit 304 pays the credit payment amount to the affiliated store 500. You can do it. The payment request receiving unit 301 may use the identification information of the payment means 100 to check the security ratio for the collateral assets previously provided by the user corresponding to the payment means 100 in order to check the credit limit. The payment request receiving unit 301 may compare the unresolved credit payment amount for which the repayment of the credit payment price has not occurred among the credit payment payment proceeded with the identification information of the payment method 100 to date and the credit payment limit to proceed with the payment. The payment request receiving unit 301 may set the credit payment limit to a value obtained by applying a security ratio to a collateral asset previously provided by a user corresponding to the payment method 100.

The payment request receiving unit 301 may provide payment information to the automatic fee payment unit 307 when the payment is incurred so that the automatic fee payment unit 307 can automatically pay the fee according to the credit payment. The automatic fee payment unit 307 may automatically pay a fee for a foreign transaction service provided by the credit transaction system 10, and if there are previously accumulated points, the payment can be made with points.

The collateral asset value storage unit 302 may store the type and value of the collateral asset for each identification information of the payment means 100 in correspondence with each other. The identification information of one payment method 100 may have provided a plurality of collateral assets, and there may be several types of a plurality of collateral assets, among which there may be fixed assets and variable assets. The collateral asset value storage unit 302 may not update the value of the fixed asset, but since the value of the variable asset fluctuates in real time, it is necessary to periodically update the value of the variable asset to which the current price is applied. have. The collateral asset value storage unit 302 may receive value data of a plurality of variable assets whose values change in real time from the variable asset value evaluation apparatus 200.

The security ratio management unit 303 may store a security ratio set in advance by an operator of the credit payment system. The collateral ratio management unit 303 may store the collateral rate for each type of collateral asset in order to apply a different collateral rate according to the type of collateral asset. In the case of a variable asset, the collateral ratio management unit 303 updates the collateral ratio value of the variable asset when it receives the changed collateral ratio from the variable asset valuation device 200 because the price changes in real time and the future value needs to be predicted. can do. The collateral ratio management unit 303 stores the collateral rate for each type of collateral asset, and updates the collateral rate when the collateral rate is adjusted. Since the security ratio management unit 303 adjusts and updates the security ratio, additional credit settlement may be restricted when the value of the variable asset is predicted to decrease further in the future.

The payment request amount payment unit 304 may pay the payment price to the affiliated store 500 when receiving an instruction to proceed with the payment by the payment request receiving unit 301. The payment request amount payment unit 304 receives the payment request code generated by the payment method 100 from the payment request receiving unit 301 to the affiliated store 500, and sends the payment to the payment account previously registered in the affiliated store 500. You can pay. The payment request amount payment unit 304 may pay the payment price to the affiliated store 500 whenever the payment request receiving unit 301 receives an instruction to proceed with the payment, but the payment amount to be paid to the affiliated store 500 for a certain period of time. You can also add together and send money at once.

When the payment request receiving unit 301 decides to proceed with the payment by credit, the payment history storage unit 305 includes identification information of the payment method 100 from the payment request receiving unit 301, customer information corresponding to the payment method 100, and payment. The amount, the affiliate store 500 information, and the payment time information are received and stored in correspondence with the identification information of the payment method 100. The payment history storage unit 305 may accumulate and store the sum of the stored payment amounts corresponding to the identification information of the payment means 100. The payment history storage unit 305 may provide information on the credit payment to be reimbursed to the payment settlement unit 306, receive the reimbursed payment information from the payment settlement unit 306, and reflect this in the payment details. The payment history storage unit 305 receives a request from the payment request receiving unit 301 to confirm how much credit payment has already been made with the identification information of the payment method 100, and the stored payment corresponding to the identification information of the payment method 10 is received. Amount sum information can be provided. The sum of the payment amount provided by the payment history storage unit 305 to the payment request receiving unit 301 may be an unsettled price. Accordingly, the payment request receiving unit 301 may check whether the payment is within the credit payment limit, and then proceed with the payment.

The payment settlement unit 306 may receive information on the sum of the payment amount from the payment history storage unit 305 to claim the payment for credit, and check whether the credit payment has been reimbursed. The payment settlement unit 306 transmits the reimbursed reimbursement payment to the payment history storage unit 305 along with the identification information of the payment method 100 to process the reimbursed payment as reimbursed, excluding the reimbursed payment upon summing the payment amount. You can do it.

The automatic fee payment unit 307 may automatically pay the fee by receiving information according to the payment of a foreign transaction from the payment request receiving unit 301. As soon as the fee is generated, the automatic fee payment unit 307 withdraws from the account linked to the payment method 100, recovers a part of the collateral asset, or collects the fee amount, and then requests the payment for payment from the payment settlement unit 306 When requesting reimbursement together, or paying with points accumulated in the point management unit 308, the fee may be automatically paid.

The point management unit 308 may accumulate points by a certain percentage of the payment fee for credit payment automatically paid by the automatic fee payment unit 307. The point management unit 308 can accumulate points in the form of tokens that can be used for payment within the credit transaction system 10, and part of the profits generated within the credit transaction system 10 are paid as dividends according to the amount of tokens held. You may.

The collateral asset recovery unit 309 may receive the current transaction price of the variable asset from the variable asset value evaluation apparatus 200 at regular time intervals, and apply the current transaction price to update the value of the variable asset provided as collateral. The collateral asset recovery unit 309 sells the collateral asset to the collateral asset exchange 400 by an amount corresponding to a portion of the unsettled credit settlement amount when the value obtained by applying the collateral ratio to the value of the collateral asset is greater than the outstanding receivable payment amount. Can be requested.

The collateral asset recovery unit 309, when the collateral asset exchange 400 sells a part of the collateral asset and remits the sale price, confirms the information and transmits the information to the payment history storage unit 305 to provide details on the payment of the sale price. Can be reflected in the payment details.

5 is a timing chart showing a process in which payment is made according to an embodiment of the present invention.

Referring to FIG. 5, the payment means 100 may request a credit payment to the credit transaction device 300 by a terminal installed in the affiliate store 500 or an internet commerce program linked to the online affiliate store 500 (S100). The payment means 100 may be a magnetic credit card, a mobile app linked to a mobile phone, or a terminal capable of communicating with NFC.

The affiliated store 500 may request payment to the credit transaction device 300 (S105). When the payment means 100 requests a credit payment to the credit transaction device 300 through the merchant 500, the merchant 500 may generate a payment request to the credit transaction device 300.

The credit transaction device 300 may request information on variable assets provided as collateral to the variable asset value evaluation device 200 before proceeding with payment (S110). This is because the credit transaction device 300 already has a history of credit transactions that have already occurred, and it is necessary to verify that the assets provided as collateral are secure in order to proceed with additional credit transactions while the credit transaction amount has not yet been reimbursed. to be.

The variable asset value evaluation apparatus 200 may predict the volatility of the variable asset (S115). The variable asset value evaluation apparatus 200 may check the quote information of each variable asset and divide the quote information into a selling advantage transaction (A) and a buying advantage transaction (B).

The variable asset valuation device 200 compares the transaction value of the selling advantage transaction and the transaction value of the buy advantage transaction that occurred for a certain period of time, and predicts an increase when the selling advantage transaction value is higher, and when the purchase advantage transaction price is higher It can be predicted as a decline.

In order to predict a large direction of the value of a variable asset that fluctuates in real time, the variable asset value valuation device 200 predicts that it will rise when a rising signal occurs continuously, and will fall when a falling signal occurs continuously. It can be predicted. Alternatively, the variable asset valuation apparatus 200 may predict the volatility of a variable asset by comparing the weighted average of the buy advantage and the weighted average of the sell advantage, without comparing the purchase advantage transaction price and the sale advantage transaction price.

The variable asset valuation apparatus 200 may recognize a rising signal if the weighted average of the buy advantage is higher than the weighted average of the sell advantage, and if the weighted average of the sell advantage is higher than the weighted average of the buy advantage, it can be identified as a falling signal. The variable asset valuation apparatus 200 may predict that a rising signal will rise when a rising signal continuously occurs in order to grasp the volatility of a fluctuating asset that fluctuates in real time, and may predict that it will fall when a falling signal continuously occurs.

The variable asset value evaluation apparatus 200 may calculate a collateral ratio according to the volatility prediction result of the variable asset (S120). The variable asset valuation apparatus 200 may increase the collateral ratio when it is predicted that the variable asset will rise in the future, and, on the contrary, decrease the collateral ratio if it is predicted that it will decline. The variable asset value evaluation apparatus 200 may recalculate the collateral ratio according to the number and strength of the occurrence of a rising or falling signal, and a transaction price.

The variable asset value evaluation device 200 may transmit the calculated collateral ratio to the credit transaction device 300 (S125). The credit transaction device 300 may store the security ratio received in the security ratio management unit 303. Since the credit transaction device 300 may set a different collateral ratio for each corresponding collateral asset among a plurality of collateral assets, it is possible to receive the type and collateral ratio of the variable asset from the variable asset value valuation device 200 and store it in correspondence with it. .

The credit transaction device 300 may determine whether the payment request exceeds the credit payment limit (S130). The credit transaction device 300 may determine whether a value obtained by adding the payment request amount to the unsettled amount exceeds the credit payment limit. The credit transaction device 300 may set the credit settlement limit as a value obtained by applying a security ratio to the value of a security asset. In the case of a payment request exceeding the credit payment limit, the credit transaction device 300 may reject the payment approval to the affiliated store 500 (S135), and in the case of a payment request within the credit payment limit, may pay the payment request amount (S140). . The credit transaction device 300 uses the unsettled amount stored in the payment history storage unit 305 and the asset value of each type of collateral asset stored in the collateral asset value storage unit 302 and the collateral ratio data stored in the collateral ratio management unit 303 Thus, it is possible to determine the credit payment limit and approval of the payment request.

6 is a timing chart illustrating a process of selling a collateral asset due to a lack of collateral according to an embodiment of the present invention.

Referring to FIG. 6, the credit transaction device 300 may periodically request a current price of a variable asset from the variable asset value evaluation device 200 (S200 ).

The variable asset value evaluation apparatus 200 may calculate the current price of the variable asset using the quote information (S205). The variable asset valuation device 200 changes to the highest price among those ordered in the buy advantage transaction (B) because the amount that can be obtained when selling immediately among the sell advantage transaction (A) and the buy advantage transaction (B) is important. You can estimate the present value of the asset.

The variable asset value evaluation device 200 may transmit the calculated price of the variable asset to the credit transaction device 300 (S210).

The credit transaction device 300 may update the collateral value in the collateral asset value storage unit 302 with the variable asset price that has been changed to the variable asset (S215).

The credit transaction device 300 may determine whether the value obtained by applying the security ratio to the value of the collateral asset is greater than the outstanding credit settlement amount in order to check whether the current collateral value is greater than the credit settlement amount (S220).

When it is determined that the value of the collateral will fall further until the price of the variable asset is reduced due to a decrease in the price of the variable asset and the payment for the credit settlement is reimbursed, the credit transaction device 300 may request the sale of the collateral asset to the collateral asset exchange 400 (S225).

The secured asset exchange 400 may receive a request to sell a secured asset from the credit transaction device 300, and after selling the secured asset, transfer the price of the sale of the secured asset to an account linked to the credit transaction device 300 ( S230). The credit transaction device 300 may request the sale of a variable asset having a high volatility, and among the variable assets, the variable asset having the lowest collateral ratio may be sold first to recover the credit settlement amount.

When it is determined that the value of the secured asset is highly likely to be maintained until the secured asset is reimbursed for the credit payment, the credit transaction device 300 may wait until it receives a credit transaction request at a later time (S235).

7 is a diagram showing the configuration of a credit transaction device 310 according to another embodiment of the present invention.

Referring to FIG. 7, the credit transaction apparatus 310 may include evaluating a value of a collateral asset and calculating a collateral ratio. The credit transaction device 310 may recalculate the collateral ratio by evaluating the future value of the collateral asset within the credit transaction device 310 without having a separate variable asset value evaluation device 200.

The payment request receiving unit 311 receives a payment request from the payment method 100, checks the credit limit, determines whether additional credit payment is possible, and then the payment request amount payment unit 304 pays the credit payment amount to the affiliated store 500. You can do it. The payment request receiving unit 311 may check the present value and the collateral ratio of the secured asset provided in advance by using the identification information of the payment means 100 in order to check the credit limit, and obtain the credit limit information. The payment request receiving unit 311 may determine whether or not to proceed with the credit payment by comparing the unsettled credit payment price excluding the reimbursed credit payment price among the credit payment proceeded to date and a value obtained by applying a security ratio to the secured asset provided in advance. .

The payment request receiving unit 311 may provide payment information to the automatic fee payment unit 317 when payment is incurred so that the automatic fee payment unit 317 can automatically pay the fee in proportion to the amount of the credit payment. The automatic fee payment unit 317 may pay with points previously accumulated as a fee for the credit transaction service provided by the credit transaction device 310, or may additionally request a payment when the credit payment is settled in the future.

The collateral asset value evaluation unit 312 may store the value of the collateral asset according to the type and quantity of collateral assets provided in advance in correspondence with the identification information of the payment means 100. Depending on the type of the collateral asset, the value of the collateral asset 312 may not be periodically updated if the asset is a fixed asset, but if the asset is a variable asset, the value fluctuates in real time, so the value is periodically converted to the current transaction price. It needs to be updated. The collateral asset value valuation unit 312 needs to predict not only the value of the current collateral asset, but also the volatility of the collateral asset in the future. The security asset value evaluation unit 312 needs to determine whether the security value can be maintained until then, since there is a time interval from the occurrence of the credit settlement until the reimbursement is received.

The collateral ratio calculation government 313 may receive information on the volatility of the collateral asset from the collateral asset value evaluation unit 312 and adjust the collateral rate. When the security ratio calculation government 313 receives information that the security assets will increase in the future by the security asset value evaluation unit 312, it can increase the credit limit by increasing the security ratio. Conversely, when the security ratio calculation unit 313 receives information that the security assets will decline in the future by the security asset value valuation unit 312, the security ratio can be lowered to reduce the credit limit.

The payment request amount payment unit 314 may pay the payment request amount to the affiliated store 500 when it is determined by the payment request receiving unit 311 to proceed with the credit payment. The payment request amount payment unit 314 may pay the payment amount to the affiliated store 500 and allow the payment amount to be recovered by the payment settlement unit 316 in the future. After the payment request amount payment unit 314 pays the payment request amount to the affiliated store 500, the payment request amount payment unit 314 may transmit the credit payment information to the payment history storage unit 315.

The payment details storage unit 315 may store payment details in credit. The payment history storage unit 315 receives affiliate store 500 information, payment time, payment amount, and customer information from the payment request receiving unit 311 using the identification information of the payment method 100 to identify the payment method 100 Corresponds to the information and stores it. The payment history storage unit 315 may accumulate and store the sum of the stored payment amounts corresponding to the identification information of the payment means 100. The payment history storage unit 315 receives information on the reimbursement payment reimbursed by the payment settlement unit 316, and the payment details corresponding to the reimbursement payment notified that the payment settlement unit 316 has been reimbursed are processed as the settlement amount and are not settled. It can be excluded from the price.

The payment details storage unit 315 may provide information on the sum of the accumulated and stored payment amounts when the payment request receiving unit 311 requests to confirm how much credit payment has already been made.

The payment settlement unit 316 may receive information on the sum of the payment amount from the payment history storage unit 315 to claim the payment for credit, and check whether the credit payment has been reimbursed. The payment settlement unit 316 transmits the reimbursed payment amount to the payment history storage unit 315 along with the identification information of the payment method 100 to process the reimbursement payment as reimbursed, excluding the reimbursed payment amount when the payment amount is summed. You can do it.

The automatic fee payment unit 317 may automatically pay the fee by receiving information according to the payment of a foreign transaction from the payment request receiving unit 311. As soon as the fee is generated, the automatic fee payment unit 317 withdraws from the account linked to the payment method 100, recovers part of the collateral asset, requests the fee amount at once, or points accumulated in the point management unit 318. You can automatically pay the fee by any one of the methods of paying with.

The point management unit 318 may accumulate points by a certain percentage of the payment fees for credit payments automatically paid by the automatic fee payment unit 317. The point management unit 318 can accumulate points in the form of tokens that can be used for payment in the credit transaction device 310, and part of the profit generated in the credit transaction device 310 is paid as dividends according to the amount of tokens held. You may.

The collateral asset recovery unit 319 may check the current transaction price of the variable asset at regular time intervals, and apply the current transaction price to update the value of the variable asset provided as collateral to the present value. The collateral asset recovery unit 319 may sell a part of the collateral asset to recover the payment for credit settlement when the value obtained by applying the collateral ratio to the value of the collateral asset is greater than the unsettled credit settlement amount.

8 is a flow chart illustrating a process in which the credit transaction device 310 proceeds with credit payment according to another embodiment of the present invention.

Referring to FIG. 8, the payment request receiving unit 311 may receive a payment request due to contact between the affiliated store 500 and the payment means 100 (S300).

The collateral asset value evaluation unit 312 checks the present value of the asset provided as collateral (S310). Assets provided as collateral include variable assets as well as fixed assets, and since the price of variable assets fluctuates in real time, it is the value obtained by applying the quotation information that can be executed for immediate sale of the variable assets.

The collateral asset value estimating unit 312 may predict the volatility of the collateral asset with data for predicting the volatility of the collateral asset measured at regular intervals (S320). The collateral asset value valuation unit 312 predicts the volatility of the variable asset because the value of the variable asset fluctuates in real time, and it cannot know what the value of the variable asset will be during the time interval from the time when the credit transaction occurs to the time when the credit transaction is collected. And, you need to make sure that the value of the collateral is maintained. Accordingly, the collateral asset value evaluation unit 312 may predict whether the variable asset will rise or fall by analyzing the transaction type of the variable asset.

The security ratio calculation government 313 may adjust the security ratio according to future volatility of the security value (S340). The security ratio calculation government 313 may set the security ratio differently for each type of security asset. The collateral ratio calculation government 313 may increase the collateral ratio for the variable asset if it is predicted that the variable asset predicted by the collateral asset value valuation unit 312 will increase in the future. Conversely, the collateral ratio calculation government 313 may lower the collateral ratio for the variable asset if it is predicted that the variable asset predicted by the collateral asset value valuation unit 312 will decline in the future.

The payment request receiving unit 311 may check the total amount of the unsettled credit amount from the payment history storage unit 315 (S350).

The payment request receiving unit 311 may determine whether an amount obtained by adding an additional payment request amount to the total amount of the unsettled credit amount is within the credit payment limit (S360). The payment request receiving unit 311 may set an amount obtained by applying a security ratio to the collateral asset as a credit settlement limit. The payment request receiving unit 311 may apply different rates of collateral for each type of collateral asset. The payment request receiving unit 311 may allow the payment request amount payment unit 314 to pay the payment price to the affiliated store 500 if it is within the credit payment limit when the payment request amount is added to the unsettled credit amount ( S380). On the other hand, when the credit payment limit is exceeded, the payment request receiving unit 311 may reject the payment request approval (S370).

FIG. 9 is a detailed diagram illustrating a process (S320) for predicting volatility of a collateral asset of FIG. 8 according to another embodiment of the present invention.

The secured asset value evaluation unit 312 may calculate by summing the transaction price generated by the purchase advantage transaction (B) (S321).

The secured asset value evaluation unit 312 may calculate by summing the transaction price generated by the selling advantage transaction (A) (S322).

The secured asset value valuation unit 312 may see a falling signal when the transaction price generated by the purchase advantage transaction (B) for the same time period is greater than the transaction price (A) generated by the sale advantage (S323). A buy advantage trade (B) occurs when the seller wants to sell faster, even one step below the current price. Therefore, in the case where the buy advantage transaction (B) has a larger transaction value than the sell advantage transaction (A), it can be interpreted that there are many transactions performed by the seller by lowering the price, so it can be seen that the value of the collateral asset will decrease in the future (S324).

On the other hand, the collateral asset value valuation unit 312 may interpret a rising signal if the transaction price generated by the selling advantage transaction (A) for the same time period is greater than the transaction price generated by the buy advantage transaction (B) (S325). . A sell advantage transaction (A) occurs when the buyer wants to buy faster, even one level higher than the current price. Therefore, if the selling advantage transaction (A) has a larger transaction price than the buy advantage transaction (B), it can be interpreted that the number of transactions performed by the buyer by raising the price may increase the value of the collateral asset in the future (S326).

The collateral asset value valuation unit 312 may determine that there is no volatility when the value of the variable asset fluctuates in real time, and the range in which the value of the variable asset fluctuates within a certain range in the process. Therefore, if the transaction price is the same, it is possible to maintain the values of the down and up signals.

The collateral asset value valuation unit 312 may predict that the variable asset will fall or rise in the future when a falling signal is continuously detected or a rising signal is continuously generated. This is because fluctuations within a certain range occur in ordinary floating assets, and if the value of a floating asset drops and its value recovers quickly, there is no reason to change the collateral ratio.

FIG. 10 is a detailed diagram illustrating a process (S320) for predicting volatility of a collateral asset of FIG. 8 according to another embodiment of the present invention.

Referring to FIG. 10, the secured asset value valuation unit 312 may calculate a purchase advantage weighted average by applying Equation (1) to the transaction generated by the purchase advantage transaction (B) (S331).

The secured asset value valuation unit 312 may calculate the weighted average of the selling advantage by applying Equation (2) to the transaction generated by the selling advantage transaction (A) (S332).

The secured asset valuation unit 312 may recognize a rising signal if the weighted average value of the buying advantage is higher than the weighted average value of the selling advantage (S333) (S334). The weighted average value of the buy advantage is the average value that takes into account the transaction price and volume for the transaction that is established when the seller appears after the buyer places a buy order in advance. If the buyer ordered to buy at a high price in advance and the executed transaction is more than the transaction concluded after the seller ordered to sell at a lower price in advance, it can be interpreted that there is a high probability that the collateral asset will rise in the future.

The secured asset value valuation unit 312 may recognize a falling signal if the weighted average value of the selling advantage is higher than the weighted average value of the buy advantage (S335) (S336). The weighted average value of the selling advantage is the average value in consideration of the transaction price and volume for the transaction to be established when the buyer appears after the seller places a sell order in advance. The fact that the selling advantage weighted average is higher than the buy advantage weighted average means that there are few people who want to buy even if the price is high, so it is highly likely to decline.

In general, floating assets are more likely to fall than rise, and fall can last longer. Therefore, in order to efficiently recover the payment due to credit, it is desirable to put more weight on the possibility of a decline in order to judge conservatively, and to detect and cope with it before an additional decline occurs when a drop signal occurs.

The secured asset value valuation unit 312 may determine that neither a falling signal nor a rising signal has occurred when the selling advantage weighted average or the buy advantage weighted average value is the same (S337).

The collateral asset value valuation unit 312 may periodically predict the volatility of a variable asset in order to determine the volatility of the variable asset, and predict that it will rise when the rising signal occurs continuously and repeatedly, and the falling signal is continuously generated. If it occurs repeatedly, it can be predicted that it will decline. In general, the variable asset is often up and down within a certain range, so it would be desirable to conclude that the value of the variable asset will decline or that it will rise.

11 is a flow chart showing a method of credit transaction according to another embodiment of the present invention.

The foreign transaction method may receive a collateral asset from a user (S410). Collateral assets can include floating assets and fixed assets, and floating assets include assets whose value fluctuates in real time, such as stocks, foreign currency, and cryptocurrency, and fixed assets include game money, gift certificates, and points. An example is an asset that can be traded online, but its price is not highly volatile.

The value of the collateral asset provided from the user may be evaluated (S420). The value of the collateral asset can be evaluated by reflecting the current transaction price of the variable asset in the case of a variable asset. In the case of fixed assets, since they are traded at a constant price, the value can be evaluated by reflecting the price of the previously entered fixed assets.

For the collateral assets provided from the user, a suitable collateral ratio may be calculated for each type of collateral asset (S430). If the collateral asset is a variable asset and the price of the variable asset is predicted to fall in the future, the collateral ratio can be lowered. Conversely, if the collateral is a variable asset and the price of the variable asset is predicted to rise in the future, the collateral ratio could be increased to allow for more credit transactions.

When receiving a request for payment in credit from the user (S440), it is possible to check whether the request for payment in credit is within the credit limit (S450). The credit limit is a value obtained by applying a collateral ratio to the collateral asset, and if the value obtained by adding the amount requested for reimbursement to the unresolved receivable amount exceeds the credit limit, the reimbursement payment may be rejected (S460). On the other hand, if the sum of the unresolved credit amount plus the credit payment request amount is within the credit limit, the credit payment may be performed (S460).

The credit payment device may proceed with credit payment for the credit payment request (S460).

The credit payment device stores the credit payment details for the credit payment request (S470). If there is an additional credit payment request, the payment for credit payment occurring within a predetermined period may be requested (S480).

In the present specification, a computer means all kinds of hardware devices including at least one processor, and may be understood as encompassing a software configuration operating in the corresponding hardware device according to embodiments. For example, the computer may be understood as including all of a smartphone, a tablet PC, a desktop, a laptop, and a user client and application running on each device, and is not limited thereto.

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

The first embodiment is to provide a collateral asset from a user based on the above-described embodiments, to provide a foreign transaction service based on this, and to solve the problem of non-payment of the credit transaction price.

Each of the steps described herein is described as being performed by a computer, but the subject of each step is not limited thereto, and at least some of the steps may be performed by different devices according to embodiments.

12 is a flowchart illustrating a method of providing a foreign transaction service according to an embodiment.

In step S1010, the computer receives a collateral asset from the user.

In one embodiment, the collateral asset may mean the above-described digital asset, but is not limited thereto.

In one embodiment, the collateral asset may include one or more different assets.

In one embodiment, being provided with a secured asset may mean that the right to dispose of the secured asset is transferred. For example, it may mean that the service manager according to the disclosed embodiment receives the right to dispose of the collateral asset from the user and disposes it when necessary to convert it into cash, but is not limited thereto.

Such disposition rights may be in the form of transferring or lending the ownership of the collateral asset, and in addition to this, it may be carried out in the form of obtaining consent for the disposal of the collateral asset in advance so that legal problems do not arise.

Such consent may be performed in the process of consenting for service use according to the disclosed embodiment, or may be performed for each collateral asset in the step of providing the collateral asset.

In addition, if there is a separate entity that manages each collateral asset (e.g., in the case of cryptocurrency, a cryptocurrency wallet or exchange, etc.), a consent process in a form that does not cause problems in relation to the entity is performed. I can.

In step S1020, the computer evaluates the value of the collateral asset.

The method of valuation of the collateral assets is not limited, but in general, a process of evaluating the cash value of each collateral asset may be involved. Specifically, the computer can evaluate the value of each collateral asset based on the amount of cash that can be obtained by disposing of each collateral asset.

In addition, the difficulty in monetization of each collateral asset can also be a criterion for evaluating the value of each collateral asset. For example, in the case of cryptocurrencies in which transactions through exchanges are active, that is, ICO (coin disclosure), the difficulty of cashing is low, and cryptocurrencies that have not yet been ICO, unlisted stocks, real estate, etc. may have relatively high difficulty in cashing. have. In this case, the computer can recalculate the value of each collateral asset, taking into account the cost for monetization (eg, manpower, fees, etc.).

In the following embodiments, it is described that the collateral asset mainly refers to a digital asset, in particular a cryptocurrency (coins, tokens, etc., the type of which is not limited), but the type of collateral asset is not limited thereto.

In one embodiment, the computer may evaluate the present value of the collateral asset.

For example, the present value of a collateral asset may mean the current transaction price of the collateral asset. For example, in the case of cryptocurrency, the present value may mean the current quoted price of cryptocurrency traded on an exchange, but is not limited thereto.

In addition, the computer may evaluate the value of the collateral asset at a point in the future.

For example, the computer can predict and evaluate the value of the collateral asset at a certain point in the future and changes in the value in the future, based on the changes in the past value and the current value of the collateral asset, and various information.

As a method for a computer to evaluate and predict the value of a collateral asset, the above-described digital asset valuation method can be used.

In the disclosed embodiment, the collateral asset may include at least one variable asset. For example, a variable asset may mean an asset whose value can change over time, such as cryptocurrency, stocks, and real estate.

In addition, in the method according to the disclosed embodiment, the computer may update the value of the collateral asset at preset time intervals.

For example, the computer can recalculate and update the value of variable assets in real time or at preset time intervals. Depending on the embodiment, the computer may predict and evaluate the value of a variable asset at a future point in time, and if the point of time arrives, the actual value at the point of time may be evaluated and then compared with the predictive evaluation result.

In addition, the computer can update the predicted future value of the variable asset by re-evaluating it according to the change in the value of the variable asset.

In addition, the computer may dispose of at least a portion of the variable asset when the sum of the credit settlement price exceeds a predetermined ratio of the value of the collateral asset.

For example, the computer may set a certain percentage of the value of the assessed collateral asset as a limit for credit settlement. The computer can determine the value of the collateral asset, including the present value as well as the future value of the collateral asset, and set a limit on credit settlement based on this.

However, contrary to expectations, there may be a case in which the value of the collateral asset plummets. In this case, the computer may decide to dispose of at least a portion of the collateral asset if the value of the collateral asset falls below a predetermined standard.

For example, if the credit settlement limit recalculated according to the present value of the collateral company is lower than the current account payment amount, the computer may stop approving the credit settlement, and furthermore, at least part of the collateral asset to prevent risk. You can also dispose of it.

In an embodiment, the computer may purchase another variable asset as an asset obtained by disposing of at least a portion of the variable asset and incorporate it into the collateral asset.

For example, a computer can manage a portfolio of collateral assets by disposing of the variable asset and converting it into cash when the value of a specific variable asset plummets, and using this to purchase other variable assets that are expected to increase in value.

However, since such variable asset management may require prior consent from the user, whether or not to manage the variable asset may be determined according to the user's choice.

In addition, the computer may update the value of the collateral asset based on the changed portfolio.

In step S1040, the computer receives the user's request for payment of credit.

In the disclosed embodiment, the credit payment may be performed in the form of mobile payment using an application according to the disclosed embodiment, but is not limited thereto, and may be performed using a credit card or a credit card type terminal linked to a service. Accordingly, the affiliate store may be an online store, but an offline store may also serve as an affiliate store.

In step S1050, when the computer receives the credit payment request within the credit payment limit, it approves the credit payment.

When the credit payment is approved, the computer may remit the amount to the affiliated store or settle the amount paid at the affiliated store after a preset period.

In step S1060, the computer stores the credit payment details.

In step S1070, the computer adds up and charges the user's credit payment amount after a predetermined time.

In an embodiment, the computer may dispose of at least a portion of the collateral asset when at least a portion of the user's credit payment amount is not paid within a preset period.

For example, if the charged amount is not deposited from the user, the computer may dispose of at least a portion of the collateral asset having a corresponding value.

In one embodiment, the computer may have a predetermined grace period when the payment for the payment by credit is not deposited, and during the grace period, interest on the unpaid payment may accumulate.

In addition, the computer may allow the user to choose to dispose of the collateral asset, extend the grace period, and pay interest accordingly.In the extension of the grace period, the total unpaid amount including the expected interest is the value of the collateral asset or a certain percentage of the value of the collateral asset. It can be allowed within the range not exceeding.

In an embodiment, when determining the credit payment limit described above, the computer may determine the credit payment limit to be applied during a preset reference period.

For example, the reference period may be about 1 month, which may also coincide with the payment period, but is not limited thereto.

When the reference period elapses, the computer may re-determine the credit payment limit to be applied during the next reference period.

In other words, the computer can re-evaluate the value of the collateral asset every settlement cycle and determine the credit limit based on this.

In addition, the computer may separately evaluate the creditworthiness of the user according to the payment record for the user's credit payment, and accordingly, may separately set a credit payment limit according to the credit of the user.

For example, in determining the credit settlement limit of a specific user, the computer may determine the credit settlement limit by summing the credit settlement limit based on the credit of the user and the credit settlement limit according to the collateral assets of the user.

Accordingly, in the above-described requesting step, the computer may request by summing the payment for the credit during the reference period after the reference period has elapsed.

In an embodiment, the computer may evaluate the value of the collateral asset at one point in the reference period. In addition, when the sum of the credit payment price exceeds a predetermined ratio of the value of the collateral asset, the user's credit payment approval may be stopped.

For example, the computer can perform re-evaluation of the value of the collateral asset at regular intervals for risk management even during the base period, and even if it falls within the pre-set credit limit, the value of the collateral asset plunges at the time of evaluation, and the total settlement amount is currently collateral. If the amount assessed based on the value of the asset is exceeded, the approval of additional credit payments can be stopped.

In addition, the computer monitors the change in the value of variable assets in the collateral asset portfolio, and if a sudden change in value is recognized for a specific variable asset, the credit settlement limit can be adjusted by re-evaluating the value of the variable asset.

Through this, the computer can provide credit settlement services to users, prevent problems that may occur in case of non-payment based on the collateral assets, and also prevent risks from changes in the value of variable assets included in the collateral assets.

Through this, the user can receive a service that allows the user to transfer cash while investing in a variable asset that is difficult to convert into cash immediately, as a collateral.

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

The second embodiment relates to a method for evaluating the value of a collateral asset provided from a user based on the above-described embodiments.

In this embodiment, the collateral asset includes the above-described digital asset, and the above-described digital asset valuation method can be applied to the valuation method of the collateral asset according to the present embodiment.

13 is a flowchart illustrating a method of valuation of collateral assets according to an exemplary embodiment.

In step S1110, the computer acquires a collateral asset portfolio including one or more collateral assets.

In one embodiment, the collateral asset portfolio may include one or more different collateral assets.

In an embodiment, acquiring a collateral asset portfolio may include acquiring information on a corresponding collateral asset portfolio and acquiring a right to dispose of collateral assets belonging to the collateral asset portfolio.

In step S1120, the computer evaluates the value of each of the at least one collateral asset included in the collateral asset portfolio.

In step S1130, the computer evaluates the value of the collateral asset portfolio based on the value of each of the one or more collateral assets.

For example, a computer can assess the value of a portfolio of collateral assets by summing the value of each collateral asset. Depending on the embodiment, the computer may assign a weight to the value of each collateral asset based on the difficulty of cashing each collateral asset and the future value of each collateral asset, and synthesize the value of the collateral asset to which the weight is assigned to the collateral asset portfolio. Can evaluate the value of

In an embodiment, in evaluating the value of the collateral asset portfolio, the computer may calculate the collateral ratio of the collateral asset portfolio.

Specifically, the collateral asset portfolio includes at least one variable asset, and in calculating the collateral ratio of the collateral asset portfolio, the computer provides information on one or more of the price, transaction volume, transaction price, and variation rate of the variable asset from the exchange. Can be obtained.

In addition, the computer may evaluate the value of the variable asset based on the information obtained from the exchange and calculate the collateral ratio of the collateral asset portfolio.

For example, a computer may evaluate the present value of a collateral asset, but may apply a predetermined collateral ratio to the collateral asset portfolio in consideration of a decrease in the value of the variable assets included therein. In addition, the computer may collect information from the exchange and determine the collateral ratio based on this.

In an embodiment, the computer may derive the credit amount of the collateral asset portfolio by applying the collateral ratio.

The computer derives the credit amount of the collateral asset portfolio and can determine the user's credit settlement limit based on the derived credit amount.

In an embodiment, in calculating the security ratio, the computer may calculate a purchase advantage transaction price and a sale advantage transaction price for the variable asset.

In an embodiment, the computer may lower the collateral ratio when the purchase advantage transaction price is repeatedly greater than the selling advantage transaction price continuously more than a predetermined number of times during a predetermined time period.

In addition, the computer may increase the collateral ratio when the selling advantage transaction price is repeatedly greater than the purchase advantage transaction price for a predetermined number of times or more for a predetermined time.

In addition, in other cases, the computer can perform a security ratio adjustment by maintaining the security ratio.

In other words, the computer determines the value of the collateral asset and the collateral ratio through the valuation result of the collateral asset at the present time and the prediction of the future value, and checks the transaction trend of the collateral asset based on the information obtained from the exchange. This allows you to adjust the mortgage ratio. The adjustment of the security ratio may be performed every reference period, or may be performed at a preset period.

In one embodiment, the valuation of the collateral asset is performed at each reference period, but the calculation of the collateral ratio may be performed at a predetermined period even within the reference period, or the valuation of the collateral asset and the calculation of the collateral ratio may be performed at the same period.

In addition, in the step of calculating the above-described collateral ratio, the computer may calculate the weighted average of the buying advantage and the weighted average of the selling advantage for the variable asset.

In an embodiment, when the weighted average of the buying advantage is higher than the weighted average of the selling advantage, the computer may lower the collateral ratio.

In addition, the computer may increase the collateral ratio when the selling advantage weighted average is higher than the buying advantage weighted average.

In addition, in other cases, the computer can adjust the security ratio by maintaining the security ratio.

In an embodiment, the computer may also determine the quote information at predetermined time intervals for the variable asset.

The computer may update the value of the collateral asset portfolio and the collateral ratio of the collateral asset portfolio by reflecting the above quote information.

In other words, the computer evaluates the value of the collateral asset and the collateral ratio at a time, and determines the credit settlement limit based on this. You can update the mortgage ratio.

In particular, when the value of the collateral asset changes rapidly, the computer can recalculate the value of the collateral asset and the collateral ratio.

Depending on the embodiment, when the value of the collateral asset fluctuates by more than a preset ratio, the computer may recognize it and recalculate the value of the collateral asset and the collateral ratio, and also the branches and collateral of the collateral asset based on the fluctuation rate of the collateral asset. The cycle of recalculating the ratio can be varied.

14 is a flowchart illustrating a method for valuation of a cryptocurrency-based collateral asset according to an embodiment.

In an embodiment, at least one of the collateral assets included in the collateral asset portfolio may be a cryptocurrency that can be traded on an exchange.

In the step of evaluating the value of each of the collateral assets described above (S1120), the computer may perform a step (S1210) of requesting information on the first cryptocurrency included in the collateral asset portfolio from the exchange.

In addition, the computer may perform the step (S1220) of obtaining information on the first cryptocurrency from the exchange.

In addition, the computer may perform the step (S1230) of evaluating the value of the first cryptocurrency based on the information obtained from the exchange.

Accordingly, the computer may collect information on each cryptocurrency through the exchange and evaluate the value of the collateral asset based on this.

As described above, in evaluating the value of the first cryptocurrency, the computer may evaluate the value of the first cryptocurrency at the present time and also evaluate the value of the first cryptocurrency at a future point in time.

The computer evaluates the value of the cryptocurrency by comprehensively considering the present and future values of the cryptocurrency, and based on this, the value of the collateral asset portfolio including the cryptocurrency and the collateral ratio can be calculated.

In this specification, the cryptocurrency may include coins and tokens, but is not limited thereto. Specifically, the cryptocurrency may include a form provided through a service based on an already provided mainnet and a form provided based on its own mainnet, but is not limited thereto.

Cryptocurrency can mean cryptocurrency traded on an exchange through ICO (Coin Disclosure), but is not limited thereto, and it is also understood as encompassing digital assets that can be provided as collateral assets in all forms of transactions, valuations and collateral. Can be.

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

In the above-described embodiment, a method of responding to the risk caused by non-payment of accounts receivable by providing a foreign transaction service based on the provision of secured assets of the user and disposing of the secured assets upon non-payment of receivables has been specifically described.

However, in addition to the convenience of the foreign transaction service, additional incentives may be required to allow the user to grant the right to dispose of the collateral assets to the service provider according to the disclosed embodiment.

Accordingly, in the third embodiment, a method of paying compensation for storing digital assets as an example of a means for allowing users to store their digital assets (collateralized assets) in the service provider according to the disclosed embodiment will be described in detail. do.

In other words, when a user stores digital assets, a corresponding compensation is paid, which can be understood as an interest concept that pays a certain percentage of the stored assets, but stores various types of digital assets and pays compensation accordingly. It may be difficult to directly apply to this embodiment.

Accordingly, in the disclosed third embodiment, the concept of deposit mining (deposit mining) that evaluates the value of a user's digital assets and generates cryptocurrency according to storage of digital assets and pays them to the user is introduced and explained. do.

15 is a flowchart illustrating a method of paying cryptocurrency according to storage of digital assets according to an embodiment.

In step S1310, the computer generates a cryptocurrency.

In this specification, the cryptocurrency may include coins and tokens, but is not limited thereto. Specifically, the cryptocurrency may include a form provided through a service based on an already provided mainnet and a form provided based on its own mainnet, but is not limited thereto.

Cryptocurrency may mean a cryptocurrency traded on an exchange through an ICO (coin disclosure), but is not limited thereto.

Creation of cryptocurrency may mean mining, but is not limited thereto. Cryptocurrency mining may mean that it is performed based on proof-of-work, proof-of-stake, proof-of-importance, etc., but is not limited thereto. For example, in the case of the present embodiment, the concept of deposit mining is introduced, and cryptocurrency mining may be performed based on the amount of stored assets.

Depending on the embodiment, cryptocurrency may not require a separate mining process. For example, the computer may perform cryptocurrency payment according to the disclosed embodiment in the form of generating and storing a predetermined cryptocurrency in advance and paying a certain percentage of the generated cryptocurrency to the user who stores the collateral asset. .

In step S1320, the computer receives and stores digital assets from the user.

In an embodiment, receiving and storing digital assets may mean obtaining disposition rights for at least some of the digital assets.

In addition, the computer may dispose of at least part of the digital asset when a preset condition is satisfied.

For example, the preset condition may mean a case in which a price is not paid in an external transaction according to the disclosed embodiment, but is not limited thereto.

In step S1330, the computer evaluates the value of the digital asset.

The method of evaluating the value of digital assets is not limited, but the aforementioned method of evaluating digital assets and collateral assets may be used.

In step S1340, the computer pays at least a portion of the generated cryptocurrency to the user based on the evaluation value and storage period of the digital asset.

For example, the computer may evaluate the value of the digital asset and pay at least a portion of the cryptocurrency having a value corresponding to a predetermined ratio of the value evaluated for the digital asset to the user, but is limited thereto. It is not.

For example, the computer may pay the user a cryptocurrency having a value corresponding to a predetermined percentage of the digital assets stored by the user, such as interest.

In one embodiment, the digital asset includes a variable asset, and the computer evaluates the value of the digital asset, evaluates the present value of the variable asset, and evaluates the period value of the variable asset for a predetermined base period. I can.

In an embodiment, the computer may predict and evaluate the value of the variable asset at a point in time after a preset reference period, or predict the value of the variable asset at one or more times within the reference period, and based on this, during the reference period. The average value of the above variable assets can be predicted.

In an embodiment, when the variable asset is stored during the reference period, the computer may determine the period value and the amount of cryptocurrency corresponding to the length of the reference period.

For example, if the base period is 1 month, the computer calculates the average value of the variable asset over the base period corresponding to 1 month, which may be the average value predicted before the base period, or the base period actually elapses. After that, it may be calculated by reflecting the change in the value of the variable asset during the base period.

In addition, for example, the amount of cryptocurrency payments can be determined according to the period in which the digital asset is stored.For example, if it is determined to pay a certain percentage of the value of the digital asset per year, such as an annual interest rate, the storage of digital assets Depending on the period, the payment rate can be calculated on a daily basis.

In addition, the computer may pay the determined amount of cryptocurrency to the user.

In an embodiment, the computer may re-evaluate the period value based on the time when the cryptocurrency is paid.

For example, if one month's worth of cryptocurrency is paid after a standard period of one month, the computer may re-evaluate the value of the digital asset for the next one month, and then re-determine the amount of cryptocurrency to be paid based on this.

In an embodiment, the computer may re-evaluate and update the value of the variable asset every preset period.

For example, the preset period may be the same as the reference period in which cryptocurrency is paid, but may be different according to embodiments.

In this case, the computer may determine the amount of cryptocurrency to be paid to the user based on the value of the variable asset re-evaluated for each preset period, and the total amount of cryptocurrency determined to be paid to the user during a preset reference period. By calculating, a cryptocurrency corresponding to the calculated total amount may be paid to the user.

For example, if the reference period for payment of cryptocurrency is one month, the computer may determine and pay the amount of cryptocurrency payment once a month, but depending on the embodiment, the value of the variable asset is reevaluated every week or several days. , After determining the amount of cryptocurrency paid according to the period corresponding to the re-evaluated value and the evaluation cycle, the total amount of cryptocurrencies determined to be paid for one month can be summed and paid to the user.

In one embodiment, the computer may generate cryptocurrency according to the amount of stored digital assets.

For example, in the step of generating the above-described cryptocurrency, the computer may evaluate the value of all digital assets stored from users.

In addition, when the value of the entire stored digital asset reaches a preset target value, the computer may generate a corresponding cryptocurrency.

For example, the computer may generate a predetermined number of cryptocurrencies when the value of the entire stored digital asset reaches a predetermined amount in terms of cash.

In an embodiment, the issuance value of the generated cryptocurrency may be determined to be a predetermined ratio of the corresponding amount, but is not limited thereto.

In one embodiment, the computer may obtain the next target value. The target value may be automatically set in a predetermined amount of money, but a different amount of money may be set each time. For example, as the total amount increases, the difference in amount for issuing cryptocurrency may be larger or smaller.

In addition, the computer may pay at least part of the generated cryptocurrency to users who store digital assets.

For example, computers can pay users according to the percentage of digital assets that store generated cryptocurrencies. As another example, when a cryptocurrency is generated by achieving a predetermined amount, the computer may pay the generated cryptocurrency to each user according to a rate contributing to the achievement of the amount.

That is, the cryptocurrency may be distributed based on the amount of digital assets newly stored after the previous cryptocurrency was created, but is not limited thereto.

As another example, cryptocurrency may be generated based on the total amount of digital assets stored every predetermined period. In this case, the computer can distribute the generated cryptocurrency to users based on the total percentage of stored digital assets.

In an embodiment, the computer may calculate the issuance value of the cryptocurrency based on a predetermined ratio of the evaluated value of all stored digital assets. For example, the issuance value of cryptocurrency may be calculated based on a predetermined ratio of the cash value of the stored digital asset, but is not limited thereto.

In addition, in the step of paying at least a portion of the cryptocurrency described above, the computer may evaluate the market value of the paid cryptocurrency. For example, the market value of the cryptocurrency may be determined based on the quoted price of the cryptocurrency traded on an exchange, but is not limited thereto.

In one embodiment, when the market value of the cryptocurrency exceeds a preset ratio of the valuation value of the stored digital assets, the computer disposes of at least a part of the stored digital assets, and the cryptocurrency through an exchange By buying, you can manage the risk of the decline in the value of digital assets.

According to an embodiment, when the value of a specific variable asset among stored digital assets plummets, the computer may purchase and recover at least a portion of the cryptocurrency distributed through an exchange. For example, as the value of a specific variable asset plummets, the value of the entire digital asset may decrease, and accordingly, the computer can calculate an appropriate amount of the total amount of issued cryptocurrencies.

If more cryptocurrencies than the calculated amount are distributed to the market, the computer can manage the total amount of cryptocurrencies by purchasing the excess cryptocurrency. According to an embodiment, the computer may purchase cryptocurrency using an asset obtained by disposing of at least a portion of the stored digital asset.

Through the above-described methods, the computer can provide revenue to users who store digital assets, and through this, can induce users to store digital assets.

The stored digital assets are valued and the credit amount is calculated, and the credit amount may function as a credit limit of the credit transaction service according to the disclosed embodiment.

Users store their digital assets through the service according to the disclosed embodiment in order to obtain cryptocurrency, thereby obtaining a limit on credit. Users naturally use the credit payment service within the set credit limit, and accordingly, there is an effect that the credit payment service according to the disclosed embodiment can also induce the use thereof.

A device according to the disclosed embodiment may include a processor and a memory.

The processor may include one or more cores (not shown), a graphic processing unit (not shown), and/or a connection path (eg, a bus) for transmitting and receiving signals to and from other components.

A processor according to an embodiment performs the method described in the disclosed embodiment by executing one or more instructions stored in a memory.

Meanwhile, the processor further includes RAM (Random Access Memory, not shown) and ROM (ROM: Read-Only Memory, not shown) that temporarily and/or permanently store signals (or data) processed inside the processor. Can include. In addition, the processor may be implemented in the form of a system on chip (SoC) including at least one of a graphic processing unit, RAM, and ROM.

The memory may store programs (one or more instructions) for processing and controlling the processor. Programs stored in the memory may be divided into a plurality of modules according to functions.

The steps of a method or algorithm described in connection with an embodiment of the present invention may be implemented directly in hardware, implemented as a software module executed by hardware, or a combination thereof. Software modules include Random Access Memory (RAM), Read Only Memory (ROM), Erasable Programmable ROM (EPROM), Electrically Erasable Programmable ROM (EEPROM), Flash Memory, hard disk, removable disk, CD-ROM, or It may reside on any type of computer-readable recording medium well known in the art to which the present invention pertains.

Components of the present invention may be implemented as a program (or application) and stored in a medium in order to be combined with a computer as hardware to be executed. Components of the present invention may be implemented as software programming or software elements, and similarly, embodiments include various algorithms implemented with a combination of data structures, processes, routines or other programming components, including C, C++ , Java, assembler, or the like may be implemented in a programming or scripting language. Functional aspects can be implemented with an algorithm running on one or more processors.

In the above, embodiments of the present invention have been described with reference to the accompanying drawings, but those skilled in the art to which the present invention pertains can be implemented in other specific forms without changing the technical spirit or essential features. You will be able to understand. Therefore, the embodiments described above are illustrative in all respects, and should be understood as non-limiting.

10: Credit transaction system
100: payment method
200: variable asset valuation device
300: credit transaction device
400: collateral asset exchange

Claims (10)

In the method performed by a computer,
Receiving a collateral asset including one or more variable assets from a user;
Evaluating the value of the collateral asset;
Determining a credit settlement limit of the user based on the value of the collateral asset;
Receiving a request for payment by the user;
When receiving the credit payment request within the credit payment limit, approving the credit payment;
Storing the payment details; And
Summing and charging the user's credit payment after a predetermined time; Including,
The step of determining the credit payment limit,
Calculating a purchase advantage transaction price and a sale advantage transaction price for the at least one variable asset; And
Determine the volatility of the collateral asset according to the method of using the number of rises and declines calculated by analyzing the selling and buying advantage transactions for the collateral asset for a predetermined period of time, and determining the volatility of the collateral asset according to the determined volatility. Calculate the security ratio, but if the purchase advantage transaction price is repeatedly higher than the selling advantage transaction price continuously more than a predetermined number of times, the security ratio is lowered, and the sale advantage transaction price is higher than the purchase advantage transaction price for a predetermined period of time. A step of adjusting a collateral ratio of increasing the collateral ratio when there are a number of times or more repeatedly in succession, and maintaining the collateral ratio in other cases; Including,
Evaluating the value of the collateral asset,
And evaluating the value of the collateral asset based on the volatility of the collateral asset, the difficulty in monetization of the collateral asset, and the cost of monetization of the collateral asset,
The step of claiming,
When the sum of the credit settlement amount exceeds a predetermined ratio of the value of the collateral asset, at least a portion of the one or more variable assets are disposed of, but sequentially from the determined variable asset with high volatility among the one or more variable assets. Comprising the step of disposing,
How to provide foreign transaction service. The method of claim 1,
The step of claiming,
Disposing of at least a portion of the collateral asset when at least a portion of the user's credit payment amount is not paid within a preset period; Containing,
How to provide foreign transaction service. The method of claim 1,
Evaluating the value of the collateral asset,
Evaluating the present value of the collateral asset; And
Evaluating the value of the collateral asset at a future point in time; Containing,
How to provide foreign transaction service. The method of claim 1,
The step of determining the credit payment limit,
Calculating an amount obtained by applying the collateral ratio to the collateral asset; And
Determining the credit payment limit based on the calculated amount; Containing,
How to provide foreign transaction service. The method of claim 1,
The step of determining the credit payment limit,
Determining a credit payment limit to be applied during a preset reference period; And
If the reference period has elapsed, re-determining a credit payment limit to be applied during the next reference period; Including,
The step of claiming,
Claiming by summing the amount of payment for credit during the reference period after the reference period has elapsed; Containing,
How to provide foreign transaction service. The method of claim 5,
Evaluating the value of the collateral asset at one point in the reference period; And
Stopping the user's credit payment approval when the sum of the credit payment price exceeds a predetermined ratio of the value of the collateral asset; Further comprising,
How to provide foreign transaction service. The method of claim 5,
The above method,
Updating the value of the collateral asset at every preset time interval; Further comprising,
How to provide foreign transaction service. The method of claim 7,
The disposing step,
Purchasing another variable asset as an asset obtained by disposing of at least a portion of the variable asset and incorporating it into the collateral asset; And
Updating the value of the collateral asset; Further comprising,
How to provide foreign transaction service. A memory for storing one or more instructions; And
A processor that executes the one or more instructions stored in the memory,
The processor executes the one or more instructions,
An apparatus for performing the method of claim 1. A computer program combined with a computer as hardware and stored in a recording medium readable by a computer to perform the method of claim 1.

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