KR102325019B1 - Credit offering based credit dealing method and credit dealing apparatus - Google Patents

Abstract

According to an embodiment of the present invention, a credit transaction method and a credit transaction apparatus based on credit are provided. The method includes: receiving an asset including a guarantee token as collateral from a credit provider; generating, in response to the collateralized asset, a line of credit to be provided to at least one credit consumer; providing a credit transaction to the credit consumer using the credit of the asset secured by the credit provider based on the generated credit line; and calculating an amount related to the credit transaction provided to the credit consumer, wherein the guarantee token may be an independently tradable virtual currency.

Description

CREDIT OFFERING BASED CREDIT DEALING METHOD AND CREDIT DEALING APPARATUS

The present invention relates to a credit transaction method and a credit transaction apparatus based on credit extension, and more particularly, to a credit transaction method in which at least one credit consumer can perform a credit transaction using the credit of an asset provided by a credit provider. and a credit transaction device.

In general, electronic commerce (electronic commerce; e-commerce) enables buyers to shop and purchase products on an Internet shopping mall site, a virtual space through a network such as the Internet, without going to a store where the buyer directly sells the product. It is a form of commerce. Such e-commerce is not limited by the seller's business hours at all, and it is possible to reduce the time and cost required for the buyer to go directly to the store, so the use of e-commerce is explosively increasing among modern people.

For reference, e-commerce is a field of e-business, which means buying and selling goods or services electronically using the Internet, networks, or other digital technologies, such as advertising, marketing, customer support, delivery, payment, etc. may include activities of In a virtual market environment composed of video and graphics on the Internet, direct commerce between a product supplier and a consumer may be performed, and payment is generally made through a credit card or electronic money.

1 is a diagram for explaining a general e-commerce system.

As shown in FIG. 1 , a user uses a user terminal 1 such as a mobile communication terminal or a computer to express an intention to purchase a product in an online space through an Internet network or a value added network (VAN) to the shopping mall server 2 ), the shopping mall server 2 requests the authentication authority 3 to authenticate the user's payment method, and the payment gateway (PG) 4 issues the payment method to the financial institution 5, For example, after checking the authentication database secured by the credit card company), the e-commerce is approved.

Currently, most of online e-commerce purchases are made using a credit card, and credit card fees are a significant burden in the purchase process (Note: Credit cards in online shopping malls as of May 2017) Card fees average around 3.5%). In FIG. 1 , such a credit card fee attributed to the payment gate 4 or a financial institution (card company, 5) is generally borne by a product provider of an e-commerce transaction, which is the main reason for hindering the activation of the e-commerce transaction.

In addition, the conventional credit card-based e-commerce method inevitably undergoes an authentication process for a payment method such as a credit card, which is complicated, cumbersome, and often causes payment errors. It causes a lot of inconvenience to users.

Accordingly, users' needs for a new e-commerce system capable of solving the conventional problems are increasing.

(Patent Document 1) Republic of Korea Patent Registration No. 10-1332126 (Title of the invention: "Security trading system using credit from financial institutions")

The present invention has been devised to solve the above problems, and the present invention provides a credit transaction method and credit based on credit so that at least one credit consumer can perform a credit transaction using the credit of an asset provided by a credit provider. It aims to provide a trading device.

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

According to an embodiment of the present invention, a credit transaction method based on credit is provided. The method includes: receiving an asset including a guarantee token as collateral from a credit provider; generating, in response to the collateralized asset, a line of credit to be provided to at least one credit consumer; providing a credit transaction to the credit consumer using the credit of the asset secured by the credit provider based on the generated credit line; and calculating an amount related to the credit transaction provided to the credit consumer, wherein the guarantee token may be an independently tradable virtual currency.

According to an embodiment of the present invention, there is provided a computer-readable recording medium in which a program for performing the method is recorded.

According to an embodiment of the present invention, a credit transaction apparatus based on credit is provided. The apparatus may include: a limit setting unit configured to receive an asset including a guarantee token from a credit provider as collateral, and generate a credit limit to be provided for at least one credit consumer in response to the secured asset; a transaction processing unit for providing a credit transaction to the credit consumer by using the credit of the asset provided as collateral by the credit provider based on the generated credit limit; and a settlement unit that settles the amount related to the credit transaction provided to the credit consumer, wherein the guarantee token may be an independently tradable virtual currency.

According to the present invention, it is possible to reduce fees incurred in the payment stage and redistribute the profits therefrom by using the assets provided from the credit providers as collateral and the credit consumers performing online credit transactions based on credit grants.

In addition, according to the present invention, it is possible to increase the convenience of consumers by not requiring payment through a credit card, etc., and by making it possible to purchase products in a simple manner of a credit transaction based on a credit grant agreement.

In addition, according to the present invention, by limiting the types of assets provided as collateral to guarantee tokens and cash, which are blockchain-based virtual currencies, it is possible to secure liquidity and save money and time, and through the use of guarantee tokens , it can easily store and share information about credit agreements.

In addition, according to the present invention, a credit limit (or purchase token) can be generated by applying a higher conversion rate than other assets such as cash to the guarantee token, thereby increasing the value of the guarantee token.

In addition, according to the present invention, unlike the existing virtual currency that does not have an investment target, the guarantee token is used as collateral for the issuance of the purchase token and becomes the basis for the fee income according to the deferred payment credit settlement, so the investment value for the guarantee token is can be further increased.

In order to more fully understand the drawings cited in the Detailed Description, a brief description of each drawing is provided.
1 schematically shows a conventional e-commerce system.
2 shows a credit transaction system based on credit extension according to an embodiment of the present invention.
3A and 3B show conceptual diagrams for explaining an exemplary operation of the system 1000 of FIG. 2 .
4 shows a credit transaction apparatus based on credit extension according to an embodiment of the present invention.
5 illustrates a method of operating a credit-based credit transaction apparatus according to an embodiment of the present invention.
FIG. 6 shows an embodiment of step S550 of FIG. 5 .
7 is a schematic diagram for explaining an embodiment in which there are a plurality of credit providers in a credit transaction system based on credit extension according to an embodiment of the present invention.
8 shows a conceptual diagram for explaining an exemplary operation of a credit transaction system based on credit extension according to an embodiment of the present invention.

Hereinafter, embodiments according to the present invention will be described with reference to the accompanying drawings. In adding reference numerals to the components of each drawing, it should be noted that the same components are given the same reference numerals as much as possible even though they are indicated on different drawings. In addition, in describing the embodiment of the present invention, if it is determined that a detailed description of a related known configuration or function interferes with the understanding of the embodiment of the present invention, the detailed description thereof will be omitted. In addition, embodiments of the present invention will be described below, but the technical spirit of the present invention is not limited thereto and may be variously implemented by those skilled in the art.

Throughout the specification, when a part is "connected" with another part, this includes not only the case of being "directly connected" but also the case of being "indirectly connected" with another element interposed therebetween. . Throughout the specification, when a part "includes" a certain element, it means that other elements may be further included, rather than excluding other elements, unless otherwise stated. In addition, in describing the components of the embodiment of the present invention, terms such as first, second, A, B, (a), (b), etc. may be used. These terms are only for distinguishing the components from other components, and the essence, order, or order of the components are not limited by the terms.

Hereinafter, the present invention will describe a method and system for performing online credit transactions based on 'credit offering', and an apparatus for implementing such a system. In general, the provision of credit means crediting another person in a financial transaction and allowing another person to temporarily use one's property. It may refer to a credit consumer performing a credit purchase for a product from a merchant or the like online, or a credit loan for funds from a financial institution.

The present invention provides such credit-based Fintech technology, where the term Fintech is a compound word of finance and technology, and collectively refers to changes in financial services and industries through the convergence of finance and IT. do.

In this way, if a credit transaction system and device are implemented based on credit grant, advantageous effects can be provided to all credit providers, credit consumers, platform operators, merchants, and/or financial institutions. A credit transaction method, system, apparatus, etc. according to the present invention that enable the same unique effects will be described in more detail.

2 shows a credit transaction system based on credit extension according to an embodiment of the present invention.

For reference, each of the blocks 100 , 210 , 220 , 230 , and 400 shown in FIG. 2 are exemplary components for explaining the credit transaction system 1000 according to an embodiment of the present invention, and are not shown in FIG. 2 . The additional components shown may also be included in the credit transaction system 1000 .

The token transaction server 100 may refer to a server of an online exchange that issues a guarantee token and performs a transaction therefor. Here, the guarantee token is a block chain-based virtual currency issued to function as collateral for credit provision, and may be configured to be independently transactable based on the market price fluctuating through the token transaction server 100 .

The credit provider terminal 210 is a terminal owned by a credit provider, where the credit provider may refer to a person who provides his/her assets to secure the credit of others (ie, credit consumers). The credit provider terminal 210 may be configured to provide the credit provider's assets as collateral to the credit transaction apparatus 400 . Here, the asset provided by the credit provider may include a guarantee token issued or purchased from the token transaction server 100 . Also, in one embodiment, such an asset may be implemented to include a minimum percentage of cash in addition to the guarantee token.

The credit consumer terminal 220 is a terminal owned by a credit consumer, where the credit consumer may refer to a person who is provided with a credit transaction using the credit of an asset provided by a credit provider. Here, the credit transaction may include at least one of a credit purchase for a product and a credit loan for funds. That is, the credit consumer terminal 220 uses the credit of the asset provided from the credit provider terminal 210 based on the credit grant agreement concluded between the credit provider and the credit consumer to purchase or purchase products by credit with the merchant server 230 . and may be configured to make a credit loan for funds. In particular, as will be described in detail below, when the credit transaction device 400 generates a purchase token in response to an asset provided as collateral, the credit consumer may receive it from a credit provider and use it as a kind of currency for product purchase. Meanwhile, the credit consumer may be, for example, a person in a predetermined relationship with the credit provider, such as an acquaintance or family member of the credit provider, or a member of the same group (club, alumni association, etc.).

The affiliated store server 230 may refer to a server used by an affiliated store (or a product seller) that provides a credit transaction to a credit consumer through the credit transaction device 400 and a franchise agreement. In an embodiment, the affiliate store may refer to an on/offline store, a market, etc. that sells or supplies products to credit consumers. Also, in one embodiment, a merchant may refer to a financial institution (eg, a bank, etc.) that provides a credit loan for funds to a credit consumer. For example, the affiliated store server 230 exchanges the agreement of the franchise agreement with the credit transaction device 400 , and makes a credit purchase or credit loan agreement with the credit consumer terminal 220 , and credits within the range of a predetermined credit limit. and generate credit sales or loans to the consumer terminal 220 . Meanwhile, here, the product provided from the affiliate store server 230 may include various goods and/or services.

The credit transaction apparatus 400 may refer to a device of a platform operator (or a platform operator) that provides a platform for performing a credit transaction service based on credit according to the present invention. The credit transaction apparatus 400 may receive the credit provider's assets including the guarantee token from the credit provider terminal 210 as collateral, and may generate a credit limit corresponding to the credit provider's assets accordingly. In addition, the credit transaction device 400 provides the generated credit limit to at least one credit consumer or credit consumer terminal 220 , thereby allowing the credit consumer to purchase a product or provide a credit loan from the affiliate store server 230 . you can get it

A credit transaction is performed based on the system 1000 structure of the credit provider terminal 210, the credit consumer terminal 220, the affiliated store server 230, and the credit transaction apparatus 400. Also, prior to this, the credit provider , credit consumers, merchants (or financial institutions) and/or platform operators may enter into a certain agreement or contract for performing such credit transactions.

For example, a credit provision agreement may be established between the credit provider and the credit consumer through the respective use terminals 210 and 220 , in which the assets of the credit provider are provided for the credit transaction of the credit consumer. Also, for example, between the credit provider and the platform operator, the credit provider's assets are transferred to the credit transaction system 1000 through the credit provider terminal 210 and the credit transaction device 400 to purchase a product and/or make a credit loan of the credit consumer. A collateral provision agreement may be concluded to provide as collateral for In addition, for example, between the affiliate store (or product seller) and the platform operator, through the affiliate store server 230 and the credit transaction device 400, the provision of credit, credit loan and / Or, an affiliate contract may be concluded for the settlement of purchase amount, interest, principal, etc. on a regular basis.

3A and 3B show exemplary operation of the system 1000 of FIG. 2 .

Referring to FIG. 3A , when a credit provider accesses the token transaction server 100 through the terminal 210 and requests for token issuance or purchase along with payment, the token transaction server 100 issues a guarantee token in response. Alternatively, the guarantee token issued or purchased by entering into a purchase contract for the guarantee token may be transmitted to the credit provider terminal 210 .

Subsequently, when the credit provider obtains a guarantee token from the token transaction server 100 , it may provide it as collateral for granting credit. In this case, the assets provided as collateral may further include a certain percentage of cash in addition to the guarantee token.

Subsequently, the credit transaction apparatus 100 may generate a credit limit by applying a predetermined conversion ratio to the collateral provided assets in response to the provision of collateral by the credit provider. At this time, the guarantee token may be implemented to have a higher conversion rate compared to other assets. In one embodiment, this line of credit may be created in the form of a purchase token. Here, the purchase token is a virtual currency configured to be payable to an affiliated store or a seller of a product in return for the provision of a product based on credit, and may be implemented, for example, based on a block chain, and the credit transaction system 1000 ), the use may be limited so that it can be used only for the purchase of goods.

Meanwhile, the token transaction server 100 may provide information on the transaction price of the guarantee token to the credit transaction apparatus 400 periodically or aperiodically according to the request of the credit transaction apparatus 400 . The price of such a guarantee token may be the basic information for setting a credit limit for a guarantee token provided as collateral or a conversion rate when generating a purchase token.

Referring to FIG. 3B , the credit provider may select one or more credit consumers based on the information about the credit consumers received from the credit transaction device 400 to the terminal 210 and enter into a credit grant agreement, and accordingly , the credit provider may provide at least a portion of the generated credit line to one or more credit consumers. In particular, when the credit line is generated in the form of a purchase token, the credit provider directly or through the credit transaction device 400 transmits all or part of the generated purchase token to the credit consumer terminal 220 to the credit consumer. It may be implemented to provide a line of credit. On the other hand, when a credit provision agreement is concluded, information on credit provision content may be transmitted from the credit provider terminal 210 to the credit transaction device 400, and this information is included in the guarantee token and/or purchase token to be stored. can

The credit consumer may perform a credit transaction using the credit limit provided through the credit transaction device 400 . For example, the credit consumer may transmit a purchase request for any product provided by the affiliate store server 230 , pay a purchase token in return for this, and receive the product from the affiliate store (or product seller).

On the other hand, the affiliated store (or the product seller) may receive a regular settlement of the amount related to the credit transaction. That is, for example, for a certain period of time, an affiliated store or product seller provides a purchase token paid in exchange for product provision to the credit transaction device 400 and transfers an amount corresponding to the purchase token directly from the credit consumer's account or credit transaction. It may be configured to receive payment of an amount related to a credit transaction by being provided through the device 400 . On the other hand, in one embodiment, when the settlement of the amount related to the credit transaction is completed, the purchase token may be implemented such that the effect that can be used as a consideration for the credit purchase is lost.

4 shows a credit transaction apparatus based on credit extension according to an embodiment of the present invention.

Referring to FIG. 4 , the credit transaction apparatus 400 may include a communication unit 410 , a storage unit 420 , and a control unit 430 . For reference, it will be apparent that the units shown in FIG. 4 correspond to exemplary units of the credit transaction apparatus 400 according to an embodiment of the present invention, and thus additional units may be further provided.

The communication unit 410 is provided for direct connection with the outside (eg, token transaction server 100, credit provider terminal 210, credit consumer terminal 220, merchant server 230, etc.) or for connection through a network. As being, it may be a wired and/or wireless communication unit 410 . Specifically, the communication unit 410 transmits data from the control unit 430 and the storage unit 420 by wire or wirelessly, or receives data from the outside by wire or wirelessly and transmits it to the control unit 430 or the storage unit 420 . ) can be stored in The above data includes personal information of credit providers and credit consumers, merchant information, asset information of credit providers provided as collateral, information related to guarantee tokens and purchased tokens, information on franchise agreements, credit grant agreements, etc., credit limit, credit transaction history, credit Information about the consumer's financial account, etc. may be included. Communication unit 410 is a LAN (LAN), WCDMA (Wideband Code Division Multiple Access), LTE (Long Term Evolution), WiBro (Wireless Broadband Internet), RF (Radio Frequency) communication, wireless LAN (Wireless LAN), Wi-Fi (Wireless) Fidelity), NFC (Near Field Communication), Bluetooth, infrared communication, etc. However, this is an example, and according to an embodiment to which the present invention is applied, various wired and wireless communication technologies applicable in the art may be used.

Various data accompanying the operation of the credit transaction apparatus 400 may be stored in the storage unit 420 . The above data includes personal information of credit providers and credit consumers, merchant information, asset information of credit providers provided as collateral, information related to guarantee tokens and purchased tokens, information on franchise agreements, credit grant agreements, etc., credit limit, credit transaction history, credit Information about the consumer's financial account, etc. may be included, but is not limited thereto. The storage unit 420 is, as known to those skilled in the art, a hard disk drive (HDD), a read only memory (ROM), a random access memory (RAM), an electrically erasable and programmable read only memory (EEPROM), a flash memory ( Flash memory), CF (Compact Flash) card, SD (Secure Digital) card, SM (Smart Media) card, MMC (Multimedia) card, or memory stick, etc. and may be provided inside the device 400 or provided in a separate device.

The control unit 430 may control the overall operation of the credit transaction apparatus 400 and the signal flow between internal components thereof, and may perform a data processing function of processing data. To this end, the control unit 430 may include a contract unit 431 , a limit setting unit 432 , a transaction processing unit 433 , and a settlement unit 434 .

The contracting unit 431 communicates with the affiliated store server 230 to make a credit transaction within the credit limit specified by the affiliated store and the credit provider to credit consumers (ie, provide credit purchase for goods, or funds corresponding to the credit limit). may enter into a franchise agreement to provide credit loans, etc.) In addition, the contracting unit 431 may enter into a credit grant contract in which the assets held by the credit provider, including a guarantee token, are provided as collateral for granting credit to a credit consumer through communication with the credit provider terminal 210 . In addition, the contracting unit 431 establishes the credit of the asset of the credit provider between the credit provider and at least one credit consumer designated by the credit provider through communication with the credit provider terminal 210 and the credit consumer terminal 220 . You can enter into a credit extension agreement to provide for the transaction.

The limit setting unit 432 may generate a credit limit corresponding to the asset of the credit provider provided as collateral, and provide the generated credit limit to at least one credit consumer selected by the credit provider. In one embodiment, the limit setting unit 434 generates a credit limit by applying a different conversion rate to the guarantee token provided by the credit provider as collateral and the remaining assets, and sets the generated credit limit to at least one selected credit limit specified by the credit provider. It may be implemented to provide credit to consumers.

The transaction processing unit 433 may provide a credit transaction to at least one credit consumer using the credit of an asset of a credit provider based on the credit limit. For example, the transaction processing unit 433 may allow each credit consumer to receive a product from the affiliate store server 230 through credit purchase within the credit limit provided to him/her. Also, for example, the transaction processing unit 433 may allow each credit consumer to receive a credit loan for a corresponding fund from the affiliated store server 230 within the credit limit provided to him/her. In particular, in the case of a credit purchase, the transaction processing unit 433 may be implemented to provide a credit transaction in such a way that the credit consumer pays a purchase token provided from the credit provider in exchange for product provision.

The settlement unit 434 may settle the amount (eg, credit purchase amount, loan principal, interest, etc.) according to each credit consumer's credit transaction for a predetermined period. Such settlement may be performed using the credit consumer's financial account opened in the financial institution in connection with the open application programming interface (API) of the financial institution. In one embodiment, the settlement unit 434 may be implemented to perform settlement in a manner of transferring an amount corresponding thereto based on a purchase token paid to a product seller in return for product provision.

A more detailed operation of the controller 430 will be described in more detail with reference to FIGS. 5 and 6 below.

Meanwhile, although not shown in FIG. 4 , the credit transaction apparatus 400 may further include an input unit. In the input unit, various data may be input by a user (or an administrator) of the credit transaction apparatus 400 . Various input devices applicable in the art, such as a key, a touch panel, and a switch, may be used for the user input unit.

Also, although not shown in FIG. 4 , the credit transaction apparatus 400 may further include a display unit. The display unit may display an image or data provided from the controller 430 on the screen and provide a user interface for a user input required for the operation of the credit transaction apparatus 400 . The display unit may be formed of a liquid crystal display (LCD), an organic light emitting diode (OLED), an active matrix organic light emitting diode (AMOLED), or the like.

5 illustrates a method of operating a credit transaction apparatus based on credit grant according to an embodiment of the present invention.

In step S510 , the limit setting unit 432 may receive an asset as collateral from a credit provider. In one embodiment, the assets provided by the credit provider may include guarantee tokens and cash. Guarantee tokens may also contain information about credit agreements, including information about the guarantor (or credit provider), the warranty line (or credit line), the guarantor (credit consumer), and the like, as described herein above. .

In this way, by limiting the types of assets provided as collateral to virtual currency, guarantee tokens and cash, it is possible to save the cost of setting up a mortgage, moneyization cost, and time compared to assets such as real estate, and through the use of blockchain-based guarantee tokens, It is possible to easily store and share information on credit extension agreements, as well as to reduce the time and cost required for issuing guarantee insurance. However, this is an example, and the type of asset provided as collateral may be variously modified according to an embodiment applied to the present invention, such as movable property, securities, etc. being further included in the asset.

In one embodiment, such assets provided by the credit provider may be implemented to include more than a certain amount of cash. That is, for example, the cash provided as collateral is configured to be greater than or equal to a predetermined minimum ratio compared to the market price of the guarantee token, or in step S520 described below, the credit limit generated in response to the cash is the credit generated in response to the guarantee token It may be configured to be greater than or equal to a predetermined minimum ratio to the limit. As such, by limiting the assets provided as collateral to include more than a certain amount of cash, it is possible to secure minimum liquidity in case of delinquency or insolvency.

In addition, in one embodiment, the asset provided as collateral for the provision of credit may include a predetermined reward (reward). That is, the credit transaction device 400 provides a predetermined reward (eg, points, reserves) to a credit provider, a credit consumer, and/or a merchant (or a product seller) in accordance with the provision of collateral by the credit provider or the credit transaction of the credit consumer. , reward tokens, etc.) can be paid, and these rewards can be provided as collateral for credit extension.

Also, in one embodiment, prior to performing step S510, the contracting unit 431 may conclude a security provision agreement (or credit grant agreement) with a credit provider. For example, the contract unit 431 transmits the contents of the security provision agreement to the credit provider terminal 210 , and in response, receives an agreement on the agreement from the credit provider terminal 210 , so as to conclude a security provision agreement can be implemented.

In step S520 , the limit setting unit 432 may generate a credit limit to be provided to at least one credit consumer in response to the collateral provided asset. That is, the limit setting unit 432 may generate a credit limit that can be provided to a credit consumer for credit extension at a predetermined conversion ratio for the asset provided from the credit provider. Such a credit limit may be generated by applying different rates depending on the type of asset provided, credit information of a credit provider, and the like. In one embodiment, the guarantee token and the remaining assets may be configured to create lines of credit at different conversion rates, such that the conversion rate for the guarantee tokens is greater than the conversion rate of the remaining assets. For example, when the assets provided as collateral are guarantee tokens and cash, a conversion ratio of 1.5 is applied to the guarantee tokens, and a conversion rate of 1x is applied to cash. As such, in the present invention, by applying a larger conversion rate to the guarantee token to create more credit lines, it is possible to increase the value of the guarantee token itself.

The conversion rate for the guarantee token is the total value of the collateralized assets, the transaction price of the guarantee token on the token transaction server 100, the credit provider's existing credit performance (or the credit provider's purchase token issuance and/or provision performance); A credit line being provided based on at least one of the delinquency rate of the existing credit consumer associated with the credit provider (or the delinquency rate associated with the purchase token of the credit provider) is set differently based on at least one of the credit status of the credit consumer to whom the credit line is to be provided. For example, when the price of the guarantee token or the credit status of the credit consumer changes at the time of settlement of the amount according to the credit transaction, the conversion rate may also be changed based on the change. Such a credit limit may be provided to the credit provider terminal 210 and/or the credit consumer terminal 220 through the communication unit 410 .

In one embodiment, when the credit transaction is a credit purchase for a product, step S520 may be performed by the limit setting unit 432 generating a purchase token in response to the provided asset as collateral. As described in detail below, steps S530 to S550 may be implemented to be performed based on such a purchase token.

In step S530 , the limit setting unit 432 may provide the generated credit limit to at least one credit consumer. For example, when the communication unit 410 transmits information on the credit consumer to the credit provider terminal 210 , and the credit provider selects at least one credit consumer to which a credit limit is to be provided in response in response, the selected credit consumer is given credit. All or part of the limit may be provided. To this end, the credit transaction apparatus 100 may be configured to provide the credit provider terminal 210 with a predetermined interface for selecting a credit consumer who will provide a credit limit.

In an embodiment, when the credit transaction is a credit purchase for a product, step S530 may be performed by causing the limit setting unit 432 to provide the generated purchase token from a credit provider to at least one credit consumer. For example, similar to the above, when the credit provider selects at least one credit consumer through the terminal 210 and requests delivery of a purchase token generated, the limit setting unit 432 in response to the purchase token It may be implemented to transmit all or part of the information to the credit consumer terminal 220 through the communication unit 410 . Meanwhile, in this case, the purchase token may include information about a credit provider that is a creator, and at least one credit consumer who is a user of the purchase token. Meanwhile, according to an embodiment, a purchase token is directly transferred from the credit provider terminal 210 to the at least one credit consumer terminal 220 , and information about this is transmitted to the credit provider terminal 210 and/or the credit consumer terminal 220 . It may be implemented to be transmitted from the credit transaction device 400 .

Also, in one embodiment, step S530 may further include the step of concluding a credit grant agreement between the credit provider and the credit consumer. For example, if the credit provider selects (or designates) a credit consumer through the interface, the contracting unit 431 responds to this to the credit provider terminal 210 and the credit consumer terminal 220 for a credit grant agreement. A credit grant agreement can be concluded by transmitting the contents and receiving consent for the agreement from both parties. Accordingly, when a credit provision agreement is concluded between the credit provider and the credit consumer, the limit setting unit 432 may be configured to provide the generated credit limit or purchase token to the credit consumer.

In an embodiment, operation S530 may further include detecting at least one credit consumer matching a credit provider, and recommending the detected credit consumer to the credit provider. That is, for example, the contract unit 431 or the limit setting unit 432 refers to the personal information about the credit provider and/or the credit consumer stored in the storage unit 420, the requested credit limit, credit status, location, It is possible to detect at least one credit consumer matching the credit provider based on the degree of relevance with the credit provider, and by displaying the information of the credit consumer detected through the interface on the credit provider terminal 210 , the credit provider may be implemented to select a credit consumer to provide a line of credit.

Also, in one embodiment, step S530 may be performed based on a credit request of a credit consumer. To this end, the contracting unit 431 or the limit setting unit 432 may be configured to provide the credit consumer terminal 220 with a predetermined interface for requesting credit from at least one credit provider. For example, when a credit consumer selects at least one credit provider to request credit extension through this interface, the corresponding request may be transmitted to the selected credit provider terminal 210 . Also, in this case, depending on the embodiment, the credit provider may be implemented to set whether or not to receive the request for credit extension (or the condition of the credit consumer capable of transmitting the request, etc.). That is, for example, in the interface provided to the credit consumer terminal 220, only information on credit providers who have agreed to receive the credit grant request is posted, and the credit consumer selects at least one of these credit providers to receive the credit grant request. It can be implemented to transmit.

In step S540, the transaction processing unit 433 may provide a credit transaction with the affiliated store to the credit consumer.

In an embodiment, the transaction processing unit 433 transmits, through the communication unit 410 , information on the credit limit allocated to each credit consumer and the credit consumer to the affiliate store server 230 , thereby providing the credit consumer with the allocated credit. It may be implemented to perform a credit transaction with the merchant server 230 within the limit. In this case, the credit transaction may include at least one of a credit purchase for a product and a credit loan for funds. On the other hand, when a credit consumer performs a credit transaction from any affiliated store, the transaction processing unit 433 updates (or deducts) the balance of the credit limit in response thereto, stores it in the storage unit 420, and returns to the updated credit limit. It may be configured to transmit information about the affiliated store server 230 .

In an embodiment, when the credit transaction is a credit purchase for a product, step S540 may be performed based on a purchase token provided from a credit provider to a credit consumer. That is, for example, when a credit consumer transmits a product purchase request to the credit transaction device 400 or the affiliate store server 230 operated by the product seller using the terminal 220 , the transaction processing unit 433 is configured accordingly. It may be implemented to provide a credit transaction service by paying (or transmitting) a purchase token corresponding to the price of the product requested to be purchased from the credit consumer terminal 220 to the merchant server 230 . In this case, the transaction processing unit 433 may be configured to access product information provided by the affiliate store server 230 and transmit a predetermined interface for selecting a purchase request product to the credit consumer terminal 220 .

In step S550, the settlement unit 434 may settle the amount (credit purchase amount, interest, principal, etc.) according to the credit transaction for each credit consumer. This step S550 may be performed regularly, and may be performed using the credit consumer's account opened in the financial institution in connection with the open application programming interface (API) of the financial institution.

In one embodiment, when the credit transaction is a credit loan, the settlement unit 434 is based on the information about the credit loan approval details received from the affiliated store server 230 (loan principal, repayment conditions, loan period, interest rate, etc.), Settlement can be completed by periodically paying repayment of the loan principal, interest, etc. to a franchisee (ie, a financial institution). In this case, at least a portion of the interest paid by the credit consumer may be implemented to be distributed to a business operator operating the credit transaction apparatus 400 and/or a credit provider who has provided credit to the credit consumer.

In one embodiment, when the credit transaction is a credit purchase, the settlement unit 434 receives information about the purchase amount and details of each credit consumer from the affiliate store server 230 and stores it in the storage unit 420, and Information on the purchase amount and details of each credit consumer for a predetermined period may be accumulated on a regular date (eg, a specific date of each month or week) and transmitted to the financial institution server. Next, the settlement unit 434 receives an amount corresponding to the purchase amount from the account held by the credit consumer in connection with the API of the financial institution server, and completes the settlement by paying the price of the product provided to the credit consumer to each affiliated store. can

Also, in an embodiment, when the credit transaction is a credit purchase, the settlement unit 434 may perform settlement based on the purchase token. That is, on a predetermined regular date, the settlement unit 434 pays the merchant server 230 operated by the product seller through a credit transaction for a predetermined period (eg, from the last settlement date to the current settlement date). The settlement can be completed by receiving information about the received purchase token from the affiliate store server 230, transferring the amount corresponding to the purchase token from the credit consumer's account, and paying each affiliate store (or product seller).

On the other hand, in step S550, the amount settled by the credit consumer includes a predetermined fee to be paid to the credit provider as an investment return, and a predetermined amount to be provided to business operators, affiliates, and financial institutions operating the credit transaction apparatus 400 according to the use of credit transactions. Fees may be further included.

In step S560, when the settlement is completed, the limit setting unit 432 may adjust the conversion rate for the guarantee token. That is, for example, when the settlement is completed, the limit setting unit 432 updates the price information of the guarantee token from the token transaction server 100, and comprehensively considers the delinquency rate of the credit consumer, etc. of the guarantee token. You can set a new conversion rate. In addition, according to an embodiment, the limit setting unit 432 may be implemented to adjust the conversion ratio based on the delinquency rate of the credit consumer for the rest of the collateral provision assets except for the guarantee token.

FIG. 6 shows an embodiment of step S550 of FIG. 5 .

Referring to FIG. 6 , step S550 may include recovering the purchase token ( S551 ) and calculating the recovered purchase token ( S552 ).

In step S551, the settlement unit 434 receives each product seller from the affiliate store server 230 through the communication unit 410 for a predetermined period (for example, from the last settlement date to the current settlement date) in exchange for product provision. Acquired purchase tokens can be retrieved.

Subsequently, in step S552, the settlement unit 434 may perform settlement on the recovered purchase token. Since the recovered purchase token includes information about the credit provider who generated the purchase token, the credit consumer who received and used the purchase token, and the product seller who obtained the purchase token in return for the product, the settlement unit 434 collects such information. As a basis, as described above, the settlement is performed using the account of the credit consumer of the financial institution. In this case, it may be implemented so that a separate settlement is not performed for the unrecovered purchase tokens.

On the other hand, in one embodiment, the settlement unit 434 may be configured to cancel the effect that can be used as a price for credit purchase of the purchase token when the settlement is completed or the settlement date has elapsed.

7 is a schematic diagram for explaining an embodiment in which there are a plurality of credit providers in a credit transaction system based on credit extension according to an embodiment of the present invention.

As shown in FIG. 7 , in the credit transaction system 1000 according to an embodiment of the present invention, a plurality of credit providers providing credit for their own assets for one credit consumer may be implemented.

That is, the credit transaction device 400 provides the assets to be credited, including the guarantee token, as collateral by the plurality of credit providers through the terminals 210-1, 210-2, ... 210-M, and a plurality of credit consumers. By exchanging a credit grant agreement with the terminal 220 , the credit consumer may receive a credit limit from a plurality of users.

In this case, when the credit transaction apparatus 400 sets the credit limit of the credit consumer, the credit limit provided to the credit consumer from each of the plurality of credit provider terminals 210 - 1 , 210 - 2 , ... 210 -M is summed up. may be configured to set an amount as the credit limit of the credit consumer in question. In particular, when the credit limit is generated based on the purchase token, the credit consumer can make a credit purchase for the product by using all the purchase tokens provided from each credit provider.

As described above, according to an embodiment of the present invention, by enabling a credit transaction using the credit of assets provided by a plurality of credit providers as collateral, the risk (eg, default of credit consumers, delinquency of credit consumers) etc.) can be distributed.

8 shows a conceptual diagram for explaining an exemplary operation of a credit transaction system based on a credit grant according to an embodiment of the present invention.

Referring to FIG. 8 , in the credit transaction system 2000 based on credit extension according to an embodiment of the present invention, a credit consumer who is provided with credit by using an asset provided by a credit provider is assigned to a specific user group 820 . It may be a plurality of users belonging to it. Here, the user group 820 is a group (eg, local alumni association, alumni association, family reunion, etc.) based on a region, locality, school affiliation, etc., or an organization created for a predetermined purpose (social group, association, donation group, etc.) It may include various types of groups or meetings, such as, and a user may refer to a member belonging to the user group 820 .

That is, when the credit provider selects a specific user group 820 through the credit provider terminal 210 , a plurality of users belonging to the corresponding user group 820 may be designated as credit consumers.

In this case, the credit limit generated in response to the asset provided by the credit provider may be provided to the user group 820 . That is, a plurality of users who have entered into a credit provision agreement with a credit provider may be implemented to receive credit transactions within the scope of the entire credit limit provided to the user group 820 . In one embodiment, when a credit line is generated based on a purchase token, the purchase token may be provided for the entire user group 820 , such that the group receives a credit transaction using each provided purchase token. can be implemented.

However, this is an example, and according to an embodiment to which the present invention is applied, such as implemented to distribute the credit limit assigned to the user group 820 equally or differently to a plurality of users belonging to it according to a predetermined criterion, It can be variously modified.

Meanwhile, a credit provider that grants asset credit to a plurality of users belonging to the user group 820 may be another user belonging to the same user group. Also, in this case, the credit provider may provide credit to the user group 820 , and the credit provider may also enjoy credit transaction benefits as a credit consumer.

Meanwhile, various embodiments described herein may be implemented by hardware, middleware, microcode, software, and/or a combination thereof. For example, various embodiments may include one or more application specific semiconductors (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs), field programmable gate arrays (FPGAs). ), processors, controllers, microcontrollers, microprocessors, other electronic units designed to perform the functions presented herein, or a combination thereof.

Also, for example, the various embodiments may be embodied in or encoded on a computer-readable medium comprising instructions. The instructions embodied in or encoded on a computer-readable medium may cause a programmable processor or other processor to perform a method, for example, when the instructions are executed. Computer-readable media includes computer storage media. A storage medium may be any available medium that can be accessed by a computer. For example, such computer-readable medium may include RAM, ROM, EEPROM, CD-ROM or other optical disk storage medium, magnetic disk storage medium or other magnetic storage device, or any desired program code containing instructions or computer-accessible instructions or may include any other medium that can be used for storage in the form of data structures.

Such hardware, software, firmware, etc. may be implemented in the same device or in separate devices to support the various operations and functions described herein. Additionally, components, units, modules, components, etc. described as “parts” in the present invention may be implemented together or individually as separate but interoperable logic devices. Depictions of different features of modules, units, etc. are intended to emphasize different functional embodiments, and do not necessarily imply that they must be realized by separate hardware or software components. Rather, functionality associated with one or more modules or units may be performed by separate hardware or software components or integrated within common or separate hardware or software components.

Although acts are shown in the figures in a particular order, it should not be understood that these acts need to be performed in the particular order shown, or sequential order, or all shown acts need to be performed to achieve a desired result. . In certain circumstances, multitasking and parallel processing may be advantageous. Moreover, the division of various components in the above-described embodiments should not be construed as requiring such division in all embodiments, and the described components will generally be integrated together into a single software product or packaged into multiple software products. It should be understood that there can be

As described above, the best embodiment has been disclosed in the drawings and the specification. Although specific terms are used herein, they are used only for the purpose of describing the present invention and are not used to limit the meaning or scope of the present invention described in the claims. Therefore, it will be understood by those skilled in the art that various modifications and equivalent other embodiments are possible therefrom. Therefore, the true technical protection scope of the present invention should be determined by the technical spirit of the appended claims.

Claims (19)

As a method of operating a credit transaction device for performing a credit transaction based on credit extension,
A step in which the limit setting unit receives an asset as collateral from a credit provider ― The asset includes a guarantee token, which is a blockchain-based virtual currency that can be independently transacted by a token transaction server, and the provision of the collateral is performed by the limit setting unit as the guarantee token storing information about a credit grant arrangement between the credit provider and the at least one credit consumer in ;
The limit setting unit generates a purchase token that is a virtual currency with a limited use so as to be paid in return for a credit purchase in response to the secured asset, and transmits the purchase token to the terminal of the credit consumer, thereby providing the credit to the credit consumer. creating a line of credit for the purchase;
receiving, by a transaction processing unit, a credit purchase for a product provided through at least one affiliate store server to the credit consumer within the range of the created credit limit based on the purchase token; and
Comprising the step of a settlement unit settling an amount corresponding to the credit purchase from the financial account of the credit consumer based on the purchase token,
Assets other than the guarantee token include cash provided from the terminal of the credit provider,
Wherein the limit setting unit generates a credit limit by applying a different conversion rate to the market price of the guarantee token and the cash, wherein the conversion rate is greater than the guarantee token in the cash. delete delete The method of claim 1,
The method of claim 1, wherein the credit line generated in response to the cash is greater than or equal to a predetermined minimum ratio to the credit line generated in response to the guarantee token. The method of claim 1,
and the conversion ratio for the guarantee token is set based on at least one of a total value of the asset, a quote for the guarantee token, a credit performance of the credit provider, and a delinquency rate of the credit consumer associated with the credit provider. The method of claim 1,
The step of receiving the credit purchase is performed by having the transaction processing unit transmit the purchase token corresponding to the price of the product to the affiliate store server for the product requested to be purchased by the credit consumer's terminal. delete 7. The method of claim 6,
The step of setting the amount corresponding to the credit purchase is performed by the settlement unit transferring the amount corresponding to the purchase token obtained by the affiliated store server from the credit consumer's financial account during a predetermined settlement period. 9. The method of claim 8,
The step of settling the amount corresponding to the credit purchase,
Further comprising the step of recovering the purchase token by the settlement unit receiving the purchase token obtained by the affiliated store server for the predetermined period from the affiliated store server,
The settlement is performed only on the recovered purchase token, and the purchase token loses its effectiveness as a consideration for the credit purchase when the settlement is completed. A computer-readable recording medium in which a program for performing the method according to any one of claims 1, 4 to 6, 8 and 9 is recorded. As a credit transaction device based on credit extension,
By receiving an asset from a credit provider as collateral, generating a purchase token, which is a virtual currency with a limited use to be paid in return for a credit purchase, in response to the provided asset as collateral, and transmitting the purchase token to a terminal of a credit consumer, at least one Limit setting unit that creates a credit limit for credit purchase for a credit consumer of ― The asset includes a guarantee token, which is a blockchain-based virtual currency that can be independently transacted by a token transaction server, and the provision of the collateral sets the limit adding is performed by storing information about a credit provision arrangement between the credit provider and the credit consumer in the guarantee token;
a transaction processing unit configured to receive a credit purchase for a product provided through at least one affiliate store server to the credit consumer within the range of the generated credit limit based on the purchase token; and
a settlement unit configured to settle an amount corresponding to the credit purchase from the credit consumer's financial account based on the purchase token;
Assets other than the guarantee token include cash provided from the terminal of the credit provider,
The limit setting unit generates a credit limit by applying a different conversion ratio for the cash and the market price of the guarantee token, wherein the conversion ratio is greater than the guarantee token for the cash. delete delete 12. The method of claim 11,
The apparatus of claim 1, wherein the credit line generated in response to the cash is at least a predetermined minimum ratio to the credit line generated in response to the guarantee token. 12. The method of claim 11,
and the conversion ratio for the guarantee token is set based on at least one of a total value of the asset, a quote for the guarantee token, a credit performance of the credit provider, and a delinquency rate of the credit consumer associated with the credit provider. 12. The method of claim 11,
The transaction processing unit causes the credit consumer's terminal to transmit the purchase token corresponding to the price of the product to the merchant server for the product requested to be purchased, thereby providing the credit purchase. delete 17. The method of claim 16,
The settlement unit performs the settlement by transferring an amount corresponding to the purchase token obtained by the affiliated store server from the credit consumer's financial account during a predetermined settlement period. 19. The method of claim 18,
The settlement unit collects the purchase token by receiving the purchase token obtained by the affiliated store server for the predetermined period from the affiliated store server, and performs the settlement only on the recovered purchase token, the purchase token When the settlement is completed, the effect as a consideration for the credit purchase is lost.

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