KR102519437B1 - Appraisal system for non-fungible token based alternative investment in secondhand luxury item - Google Patents

Abstract

A value evaluation system is provided for investment in used luxury goods based on NFTs, and a user terminal that purchases an NFT issued based on the value evaluation amount calculated after evaluating the value of used luxury goods, and at least one requesting the purchase of at least one used luxury goods. An inspection unit that inspects at least one second-hand luxury product requested from an affiliated company terminal and at least one affiliated company terminal, a valuation unit that calculates a value evaluation amount for at least one used luxury product with a predetermined valuation algorithm, and value An NFT issuing unit that issues NFTs divided into pieces based on the evaluation amount, and a piece investment service providing server including a piece investment unit that transfers the NFT to the electronic wallet of the user terminal when a purchase request for NFT is received from the user terminal. .

Description

Value evaluation system for investment in second-hand luxury goods based on NT

The present invention relates to a value evaluation system for investment in second-hand luxury goods based on NFT. After evaluating the value of second-hand luxury goods, issuing NFTs and distributing profits after sale to lower inventory costs for affiliates and provide users with small amounts of data Provides a system that enables investment based on

Non-Fungible Token (NFT) is a token that cannot be replaced with another because each token is unique, unlike Bitcoin, which has the same value and can be replaced. Due to the nature of blockchain, which cannot be changed once created, NFTs function to authenticate the original and prove ownership. It is used in various industries. In the game industry, NFT-based games are developed using blockchain technology to distribute digital assets within the game, and a platform is also developed that allows digital real estate metaverse users to purchase and display NFTs in the metaverse by combining them with the metaverse. It is increasing. In addition, NFTs can function as various certificates such as proof of ownership and guarantees during real-life transactions, so NFTs are being used in various ways in the industry in the future.

At this time, a method of issuing and distributing NFTs based on real assets was researched and developed. In this regard, prior art Korea Patent No. 10-2355550 (published on February 08, 2022) and Korea Patent No. 10-2385602 In the issue (announced on April 14, 2022), after matching real assets with NFTs, registering the owner of the real asset, and registering the owner of the real asset as a buyer if there is a buyer, and an NFT buying event occurs In this case, a configuration for recording by synchronizing the time to the purchase event is disclosed.

However, in the former case, NFTs are used to prove the owner of real assets, and not to use NFTs to invest in real assets. Even in the latter case, only time synchronization is disclosed to record the time of purchasing NFTs, and it is not a configuration of issuing NFTs for divided values to induce divided investment in one real asset. Recently, in the low interest rate environment, more and more people are looking for investment destinations, but there is no data that can accurately analyze market price forecasts or profitability, so don't ask investment is prevalent. Since the global sculpture investment market is formed for expensive artworks, small investments are made. Not suitable as a product. In addition, in the case of small and medium-sized businesses, as the size of their business grows, larger costs are bundled into inventory costs, which increases the burden of inventory costs. Therefore, it is necessary to research and develop a platform that can analyze used and luxury goods, accurately determine market prices and analyze profitability through valuation, and distribute profits to investors when sold after issuing NFTs.

In one embodiment of the present invention, after receiving and verifying used luxury goods from affiliate terminals, analyzing the market price and rate of return analyzed through valuation, issuing NFTs based on the valuation, and then purchasing NFTs from user terminals By storing it as a piece investor and distributing the proceeds from the sale to each user terminal in the case of selling second-hand luxury goods, which are real products after the sale of NFTs, affiliates can reduce inventory costs, and each investor, user, includes the rate of return and market price It is possible to provide a value evaluation system for NFT-based second-hand luxury piece investment that allows you to make an investment based on data rather than an investment without asking through valuation. However, the technical problem to be achieved by the present embodiment is not limited to the technical problem as described above, and other technical problems may exist.

As a technical means for achieving the above-described technical problem, an embodiment of the present invention is a user terminal that purchases an NFT issued based on the value evaluation amount calculated after evaluating the value of used luxury goods, and the purchase of at least one used luxury goods. At least one affiliate terminal requesting the service, and an inspection unit that inspects at least one second-hand luxury goods requested by the at least one affiliate terminal, and calculates a value evaluation amount for at least one used luxury goods with a predetermined valuation algorithm. A piece investment service including a valuation unit, an NFT issuing unit that issues NFTs divided into pieces based on the valuation amount, and a piece investment unit that transfers the NFT to the electronic wallet of the user terminal when a purchase request for NFT is received from the user terminal Includes serving server.

According to any one of the above-described problem solving means of the present invention, after receiving and verifying used luxury goods from affiliate terminals, analyzing the market price and rate of return analyzed through valuation, and issuing NFTs based on the valuation, the user terminal When NFTs are purchased from, they are stored as piece investors, and after the sale of NFTs, if second-hand luxury goods, which are real products, are sold, profits from the sale are distributed to each user terminal, so that affiliates can reduce inventory costs, and each investor, user can reduce the risk burden by making an investment based on data rather than an investment without asking through valuation including the rate of return and market price.

1 is a diagram for explaining a value evaluation system for investing in NFT-based used luxury goods pieces according to an embodiment of the present invention.
2 is a block diagram illustrating a piece investment service providing server included in the system of FIG. 1 .
3 and 4 are diagrams for explaining an embodiment in which value evaluation for investment in a piece of NFT-based used luxury goods is implemented according to an embodiment of the present invention.
5 is an operation flow chart for explaining a method of providing value evaluation for investment in pieces of used luxury goods based on NFTs according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail so that those skilled in the art can easily practice the present invention with reference to the accompanying drawings. However, the present invention may be embodied in many different forms and is not limited to the embodiments described herein. And in order to clearly explain the present invention in the drawings, parts irrelevant to the description are omitted, and similar reference numerals are attached to similar parts throughout the specification.

Throughout the specification, when a part is said to be "connected" to another part, this includes not only the case where it is "directly connected" but also the case where it is "electrically connected" with another element interposed therebetween. . In addition, when a part "includes" a certain component, this means that it may further include other components, not excluding other components, unless otherwise stated, and one or more other characteristics. However, it should be understood that it does not preclude the possibility of existence or addition of numbers, steps, operations, components, parts, or combinations thereof.

As used throughout the specification, the terms "about", "substantially", etc., are used at or approximating that value when manufacturing and material tolerances inherent in the stated meaning are given, and do not convey an understanding of the present invention. Accurate or absolute figures are used to help prevent exploitation by unscrupulous infringers of the disclosed disclosure. The term "step of (doing)" or "step of" as used throughout the specification of the present invention does not mean "step for".

In this specification, a "unit" includes a unit realized by hardware, a unit realized by software, and a unit realized using both. Further, one unit may be realized using two or more hardware, and two or more units may be realized by one hardware. On the other hand, '~ unit' is not limited to software or hardware, and '~ unit' may be configured to be in an addressable storage medium or configured to reproduce one or more processors. Thus, as an example, '~unit' refers to components such as software components, object-oriented software components, class components, and task components, processes, functions, properties, and procedures. , subroutines, segments of program code, drivers, firmware, microcode, circuitry, data, databases, data structures, tables, arrays and variables. Functions provided within components and '~units' may be combined into smaller numbers of components and '~units' or further separated into additional components and '~units'. In addition, components and '~units' may be implemented to play one or more CPUs in a device or a secure multimedia card.

In this specification, some of the operations or functions described as being performed by a terminal, device, or device may be performed instead by a server connected to the terminal, device, or device. Likewise, some of the operations or functions described as being performed by the server may also be performed by a terminal, apparatus, or device connected to the server.

In this specification, some of the operations or functions described as mapping or matching with the terminal mean mapping or matching the terminal's unique number or personal identification information, which is the terminal's identifying data. can be interpreted as

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

1 is a diagram for explaining a value evaluation system for investing in NFT-based used luxury goods pieces according to an embodiment of the present invention. Referring to FIG. 1, the value evaluation system 1 for investment in second-hand luxury goods based on NFT includes at least one user terminal 100, a fragment investment service providing server 300, and at least one affiliate terminal 400. can do. However, since the value evaluation system 1 for investing in pieces of used luxury goods based on NFT of FIG. 1 is only an embodiment of the present invention, the present invention is not limitedly interpreted through FIG. 1 .

At this time, each component of FIG. 1 is generally connected through a network (Network, 200). For example, as shown in FIG. 1 , at least one user terminal 100 may be connected to the piece investment service providing server 300 through the network 200 . In addition, the piece investment service providing server 300 may be connected to at least one user terminal 100 and at least one affiliate terminal 400 through the network 200 . In addition, at least one affiliate terminal 400 may be connected to the piece investment service providing server 300 through the network 200 .

Here, the network refers to a connection structure capable of exchanging information between nodes such as a plurality of terminals and servers, and examples of such networks include a local area network (LAN) and a wide area network (WAN: Wide Area Network), the Internet (WWW: World Wide Web), wired and wireless data communications networks, telephone networks, and wired and wireless television communications networks. Examples of wireless data communication networks include 3G, 4G, 5G, 3rd Generation Partnership Project (3GPP), 5th Generation Partnership Project (5GPP), Long Term Evolution (LTE), World Interoperability for Microwave Access (WIMAX), Wi-Fi , Internet (Internet), LAN (Local Area Network), Wireless LAN (Wireless Local Area Network), WAN (Wide Area Network), PAN (Personal Area Network), RF (Radio Frequency), Bluetooth (Bluetooth) network, NFC ( A Near-Field Communication (Near-Field Communication) network, a satellite broadcasting network, an analog broadcasting network, a Digital Multimedia Broadcasting (DMB) network, etc. are included, but not limited thereto.

In the following, the term at least one is defined as a term including singular and plural, and even if at least one term does not exist, each component may exist in singular or plural, and may mean singular or plural. It will be self-evident. In addition, the singular or plural number of each component may be changed according to embodiments.

At least one user terminal 100 may be a terminal of an investor who purchases NFTs using a web page, app page, program or application related to value evaluation for investment in NFT-based used luxury goods pieces. In addition, the user terminal 100 may be a terminal of a user who applies for a subscription service in order to continuously receive data provided to premium members, such as various analysis reports or pre-release of excellent products. In addition, the user terminal 100 may be a terminal that divides and distributes profits when used luxury goods for which NFTs are issued are sold.

Here, at least one user terminal 100 may be implemented as a computer capable of accessing a remote server or terminal through a network. Here, the computer may include, for example, a laptop, a desktop, a laptop, and the like equipped with a navigation system and a web browser. In this case, at least one user terminal 100 may be implemented as a terminal capable of accessing a remote server or terminal through a network. At least one user terminal 100 is, for example, a wireless communication device that ensures portability and mobility, navigation, PCS (Personal Communication System), GSM (Global System for Mobile communications), PDC (Personal Digital Cellular), PHS (Personal Handyphone System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication)-2000, CDMA (Code Division Multiple Access)-2000, W-CDMA (W-Code Division Multiple Access), Wibro (Wireless Broadband Internet ) may include all types of handheld-based wireless communication devices such as terminals, smartphones, smart pads, tablet PCs, and the like.

The fragment investment service providing server 300 may be a server that provides a value evaluation web page, an app page, a program or an application for NFT-based second-hand luxury goods fragment investment. In addition, the piece investment service providing server 300 may be a server that receives second-hand luxury goods from the affiliate terminal 400 and performs value evaluation after appraisal. In addition, the piece investment service providing server 300 may be a server that issues an NFT after valuation and receives an NFT purchase event from the user terminal 100 that intends to make a piece investment for each value-divided NFT. In addition, the piece investment service providing server 300 is a server that divides and pays profits corresponding to the difference between the sold amount and the invested amount to each investor, when the second-hand luxury goods are sold after the piece investment is completed. can be

Here, the fragment investment service providing server 300 may be implemented as a computer capable of accessing a remote server or terminal through a network. Here, the computer may include, for example, a laptop, a desktop, a laptop, and the like equipped with a navigation system and a web browser.

At least one affiliate terminal 400 may be a terminal of an affiliate that supplies second-hand luxury goods using a web page, app page, program, or application related to value evaluation for investment in NFT-based second-hand luxury goods pieces. The affiliate terminal 400 may be a terminal that receives settlement of the remaining amount excluding the commission when the sale of the NFT is completed.

Here, at least one affiliate terminal 400 may be implemented as a computer capable of accessing a remote server or terminal through a network. Here, the computer may include, for example, a laptop, a desktop, a laptop, and the like equipped with a navigation system and a web browser. In this case, at least one affiliate terminal 400 may be implemented as a terminal capable of accessing a remote server or terminal through a network. At least one affiliate terminal 400 is, for example, a wireless communication device that ensures portability and mobility, and includes navigation, PCS (Personal Communication System), GSM (Global System for Mobile communications), PDC (Personal Digital Cellular), PHS (Personal Handyphone System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication)-2000, CDMA (Code Division Multiple Access)-2000, W-CDMA (W-Code Division Multiple Access), Wibro (Wireless Broadband Internet ) may include all types of handheld-based wireless communication devices such as terminals, smartphones, smart pads, tablet PCs, and the like.

2 is a block diagram illustrating a piece investment service providing server included in the system of FIG. 1, and FIGS. 3 and 4 are implementations of value evaluation for piece investment in NFT-based used luxury goods according to an embodiment of the present invention. It is a drawing for explaining one embodiment.

Referring to FIG. 2, the piece investment service providing server 300 includes a review unit 310, a valuation unit 320, an NFT issuing unit 330, a piece investment unit 340, and a valuation model unit 350. , a piece purchase unit 360, a purchase modeling unit 370, a sale distribution unit 380, and a membership provision unit 390.

The piece investment service providing server 300 according to an embodiment of the present invention or another server (not shown) operating in conjunction with at least one user terminal 100 and at least one affiliate terminal 400, NFT-based used luxury goods In the case of transmitting a value evaluation application, program, app page, web page, etc. for piece investment, at least one user terminal 100 and at least one affiliate terminal 400 evaluate the value of NFT-based used luxury goods for piece investment You can install or open applications, programs, app pages, web pages, etc. Also, the service program may be driven in at least one user terminal 100 and at least one affiliate terminal 400 by using a script executed in a web browser. Here, the web browser is a program that allows users to use the web (WWW: World Wide Web) service, and means a program that receives and displays hypertext described in HTML (Hyper Text Mark-up Language). For example, Netscape , Explorer, Chrome, and the like. In addition, an application means an application on a terminal, and includes, for example, an app running on a mobile terminal (smart phone).

Before describing FIG. 2, the basic concept of NFT will be described below. The basic concepts described below will not be redundantly described in FIG. 2 .

<NFT>

NFT (Non-Fungible Token) is a token that has a different unique value and cannot be replaced between tokens, unlike fungible tokens such as Bitcoin, and is generally made based on Ethereum, a second-generation blockchain. NFTs are created and traded as smart contracts that are automatically executed when conditions are met. NFT records a unique ID that can distinguish each NFT, specific information about a specific NFT, etc., and includes a link to a content file instead of a large media file. Media files are generally stored outside (Off-Chain) rather than inside (On-Chain) the blockchain because there is a gas fee to store, upload, and transfer media files in the blockchain. For external storage, cloud storage, servers, and distributed file storage systems (InterPlanetary File System: IPFS) are used.

Blockchain is, in principle, immutable, so NFTs serve as proofs of ownership. In particular, in the world of digital assets where there has been no concept of originals since they can be reproduced infinitely, NFTs facilitate the proof of ownership and trading of digital assets, enhancing market liquidity and price discovery. In addition, in blockchain-based smart contracts, contracts are settled immediately when conditions are fulfilled, so settlement risks can be managed in international transactions, and since they have irreversibility, collateral management and transaction history management become transparent due to the nature of blockchain. In NFT transactions, ownership of artworks is generally traded, but copyrights, which are the rights to create secondary works, etc., are traded according to agreement between the parties, and the right to receive specific assets and unique experiences is also traded.

<Use of NFT>

NFTs are used in various ways, and can be largely divided into token type, collectible type, virtual asset type, securities type, etc. One NFT can belong to two or more types depending on its characteristics. First, token-type NFTs use the irreversible characteristics of blockchain to use NFTs as a means of proving ownership. These token-type NFTs can be usefully used as real estate studies and ownership certificates in real estate transactions, used car transactions, and guarantees in financial transactions. In addition, NFTs can be used to collect artworks as proof of ownership of real objects such as artworks or digital art. If the ownership of the artwork NFT or the right to claim for profit is fragmented, it generally becomes a replacement token, but the fragment NFT for the artwork can also be divided into non-fungible tokens. For example, Mona Lisa lips and eyes are different NFTs and may have different prices. Furthermore, the NFTs divided into pieces can be gathered into a decentralized decision-making organization, a Decentralized Autonomous Organization (DAO), and proof of donation can also be issued as NFTs.

In addition, if an NFT serves as a means of payment or payment, such as membership benefits of a specific network, it can be classified as a virtual asset-type NFT and regulated. As such, one NFT can belong to more than two types, but there is almost no specific regulatory system for NFTs worldwide, so it is necessary to analyze which regulatory system to follow and which type it corresponds to for each case. In the following, we will take a look at the ecosystem, such as NFT participants, market types, and market systems, and compare it with the regulatory framework of the domestic stock market system to help understand.

<NFT market structure and participants>

In the domestic stock market, new stocks are listed on the Korea Exchange in accordance with the listing regulations and detailed listing standards established under the Capital Markets Act. In contrast, in the NFT market, users can create and list their own products, and the degree and standards for selecting listing targets are different for each exchange, such as screening by exchanges. NFTs are mainly traded using Ethereum-based smart contracts. This Ethereum-based NFT market can be divided into a user-made NFT market and a non-user-made NFT market, depending on whether NFTs to be listed are selected in advance from the market. The user-made NFT market is also classified in various ways depending on the degree to which products are selected in the market. There are markets that allow anyone to create and list NFTs, such as OpenSea or Rarible, and there are markets, such as Crypto.com and Nifty Gateway, that thoroughly select and list NFTs in advance, such as traditional art galleries.

The non-user-made NFT market is a market that allows only NFTs produced by specific blockchain companies to be listed and sold, and NBA Topshot and Sorere are examples. In the domestic stock market, investors, in principle, deliver orders to the exchange through a securities company, but in the NFT market, buyers and sellers place orders directly. In the NFT market, creators (Contents Creators), buyers, and sellers participate. Creators make their own works into NFTs and sell them directly, or sellers allow sellers to make and sell them as NFTs. When an NFT is listed on the market, a buyer expresses a purchase intention or submits a bid (Make Offer or Place Bids), and when the price is accepted, the transaction is concluded. Outside of the market, companies that provide services such as content file storage, such as IPFS, are also necessary participants for the NFT ecosystem to function properly.

<Trading methods and trends in the NFT market>

The domestic stock market is a centralized market where stocks are deposited and stored in a lump sum at a depository when a stock transaction occurs, but many NFT markets are decentralized markets. Even if trading occurs in the NFT market, most NFT markets do not store users' NFTs, but instead allow them to be directly transferred from the user's wallet to the wallet of another user, the trading partner, when a transaction occurs. Unlike most of the domestic virtual asset markets currently using a centralized trading system, the NFT market adopts a decentralized individual-to-individual trading system like Uniswap, a decentralized exchange.

In the domestic stock market, liquidity is abundant, so individual competitive trading method is used to match the bid prices of multiple sellers and multiple buyers. On the other hand, many exchanges, including OpenSea, offer the lowest price and the buyer bids the highest price. We adopt a pricing method in which transactions are concluded at quoted prices. Before NFT is listed on the exchange, NFT creators usually run their own community, NFT projects grow according to word of mouth centered on the community, and buyers tend to evaluate and buy the creator's community. Creators include a group of supporters on a whitelist and manage them as VIPs, such as being considerate to buy NFTs at a discounted price, and it is said that those included in the whitelist realize an unrivaled high rate of return. According to Chainanalysis analysis, in the second half of 2021, the average price and transaction volume of NFTs increased markedly, and generally surged when there was a specific event such as a famous NFT listing. In addition, most transactions are small transactions of less than $10,000 per transaction, and the transaction volume is gradually increasing after the second half of 2021.

Accordingly, in one embodiment of the present invention, when providing piece investment so that even small investors can invest, based on a platform that is not regulated by the Capital Market Act by dividing the ownership of spot assets, each investor can invest in each NFT. It will provide a platform that helps small and medium-sized merchants improve their sales and profits by creating a valuation basis for purchase and helping affiliates lower or zero inventory costs, and contribute to revitalizing the economy.

Referring to FIG. 2 , the inspection unit 310 may proceed with inspection of at least one used and luxury product requested from at least one affiliated company terminal 400 . At least one affiliate terminal 400 may request purchase of at least one used luxury product.

The valuation unit 320 may calculate a valuation amount for at least one used luxury item using a predetermined valuation algorithm. At this time, the average piece for products manufactured by the same company, that is, the NFT issuance price is extracted, and the slope of the price deviation value is investigated in real time. Information is extracted, the appraisal score for product A is determined, and the deviation for the difference value is extracted based on the price information previously registered through search and extraction through product evaluation collection. In addition, when registering spot information, product information can be exposed to a client through sales history, distribution price, discount rate, average turnover rate, number of stocks, and presence or absence of a guarantee card. At this time, the valuation algorithm evaluates both the value of the company and the value of the product, which will be described in detail in the valuation modeling unit 350 below.

The NFT issuing unit 330 may issue NFTs divided into pieces based on the valuation amount. At this time, the NFT issuing unit 330 may use DABS (Digital Asset Backed Securities, Digital Securitization Securities), and may use STO (Security Token Offering), that is, a security token disclosure, which is one form of DABS. Tokenization of assets is an attempt to overcome the illiquidity of assets by using smart contracts or security token offerings. Security token disclosure is the latest financial technique to raise funds with cryptocurrency by linking the cash flow of real assets to tokens. In other words, STO (Security Token) is a service that tokenizes and trades by splitting the stake in the existing spot. Basically, it looks similar to existing ICOs, but unlike ICOs, where the safety of funds is low, STOs show the biggest difference in that they have a white list containing trustworthy accounts. Since STO tokenizes the real thing, the tokenization process is the most important. To tokenize first, enter the name and symbol of the token, and information about the person to issue the token. Through this, KYC (Know Your Customer) / AML (Anti Money Laundry) determines whether the account can be trusted, and when approved, tokenization proceeds formally.

Tokenization is issued according to the standard of ST20 among existing STO tokens. When the token issuance is decided, the number of issuance and token information are entered, and then the token is issued and the transaction is initiated. At this time, the user terminal 100 must have an Ethereum account to proceed with the transaction. If an investor is not registered on the white list, trading is not possible, so you must register the investor first. Then, the investor purchases tokens by entering the number or amount of shares for the divided part of the trust established area. When the investor enters the token and quantity to be purchased on the service website, the approval request is transmitted to the platform of the present invention. Upon approval on the platform of the present invention, the investor checks the token's whitelist to see if the investor is registered. If the investor's account is not registered in the whitelist inspected during the token transaction process, an error may be displayed and the transaction may be rejected.

Through STO, tokens representing stakes can be traded peer-to-peer. Through P2P trading, investors can put the tokens of the partitioned area on the exchange, and when someone else owns the tokens, the investor who sold them is removed from the whitelist and a new investor is registered. In addition, funding using STO can store the values stored in the DB more safely. Since the service is provided based on Ethereum, information about transactions is stored on the blockchain according to a certain period. Through this, you can keep more trust in transaction details and store them safely.

<Asset-backed STO>

In addition to the above-mentioned securities issuance type STO, STO may further include asset securitization type STO. Asset securitization refers to securities issued based on assets, and the subject of securities issuance is personal assets such as loans, real estate, accounts receivable, and artworks. Securitization aims to enable the holder of an asset to activate the cash tied up in the asset, and the cash flow of the asset being securitized is based on the value of that asset. Asset securitization type STO refers to the issuance and disclosure of tokens for asset securitization. Unlike existing asset-backed securities, which raised funds by transferring the divided assets to a securitization company (SPC), etc., asset-backed STOs allow any user who has gone through a legal authentication process to issue tokens, and transactions on the blockchain network Because it is done, it is possible to secure the transparency of transactions, which is an advantage of the existing block chain, along with the advantages of STO. In addition, it is possible to attract international investment because it uses a national blockchain network such as Ethereum. STO security tokens can divide assets up to 18 decimal places. Therefore, it becomes possible to design a more flexible asset portfolio compared to existing securities that could be divided into units of one share. As such, asset securitization maximizes its advantages when targeting large-scale assets, so it can demonstrate its capabilities in areas where single item transactions are difficult, such as the real estate market.

<Securities issuance type STO>

Securities issuance type STO is STO (securities token) prior to asset securitization STO, and refers to the issuance and disclosure of tokens for financial investment product services stipulated in Articles 4 and 5 of the Capital Markets Act. Securities issuance-type STO is an STO that focuses on realizing a business model through assets rather than divided ownership of assets, and is used when there is a model that can pay appropriate compensation such as dividends to investors. As described above, securities issuance type STO supports highly secure funding through whitelisting. Whitelisting is a function that allows token transfer only to STO wallets registered in a specific list. Through KYC/AML (Know Your Customer/Anti Money Laundry) authentication, the user's identity and safety are verified, and the user can legally use the token. Proof that you are a user with trading qualifications. In addition, the STO can support efficient and transparent transactions and flexible portfolio design by sharing the advantages of asset-backed STOs. Of course, since one embodiment of the present invention is a division of ownership rather than a division of bond claims, an asset-backed STO may be more appropriate than a securities issuance-type STO. However, it will be self-evident that securities issuance-type STOs are not completely excluded.

The piece investment unit 340 may transfer the NFT to the electronic wallet of the user terminal 100 when a purchase request for NFT is received from the user terminal 100 . The user terminal 100 may purchase the issued NFT based on the value evaluation amount calculated after evaluating the value of the used luxury goods. At this time, the piece investment unit 340, even before actively making a purchase in the user terminal 100, queries such as investor propensity, capital size, and collection period, which are data of the user who is an investor, through a preset piece purchase algorithm. After inputting in, it is also possible to match and recommend which investment product would be appropriate. For example, if there is transaction data mapped to [capital size - payback period - investment product] and a dataset for this transaction data is prepared, if the capital size and payback period are entered as a query, the investment product is output. Modeling can be performed by learning and verifying to do so. At this time, after setting the artificial intelligence algorithm showing the highest accuracy to the piece purchase algorithm of the present invention, and then entering a new query, that is, the amount of capital and payback period, it is possible to recommend the most suitable investment product for the user, and customize asset management becomes possible.

The valuation modeling unit 350 extracts at least one enterprise value evaluation feature that affects the enterprise value of at least one used luxury goods, and extracts at least one enterprise value feature that affects the product value of at least one used luxury goods. After extracting product valuation features, selecting a feature whose correlation satisfies a preset reference value among at least one enterprise valuation feature and at least one product valuation feature, and using at least one artificial intelligence algorithm as the selected feature. As a result of learning and verifying, the artificial intelligence algorithm with the highest accuracy can be selected as the value evaluation algorithm.

In this case, the feature of the enterprise valuation may be, for example, past repayment data, past rate of return data, sales growth rate, and financial soundness. Characteristics of product valuation may include purchase price, distribution price, seasonality, and trend of brand transaction (popularity). Of course, it is not limited to those listed and is not excluded for reasons not listed. Through machine learning, it is possible to select the optimal fragment issuance by product characteristics, and after testing all Statistical, Ensemble, and Multi-Neuron methodologies, the range with the lowest margin of error can be selected. . At this time, the statistical methodology may include, for example, linear regression and polynomial regression, and the ensemble methodology may include K-Nearest Neighbor Regression, random forest regression ( Random Forest Regression), multi-neuron methodology may be MLP Regression (Multi-Layer Perceptron Regression) or CNN Regression (Convolutional Neural Network Regression), but is not limited thereto.

When the selling period for the previously issued NFT exceeds a predetermined period, the piece purchasing unit 360 may purchase and then resell the NFT divided into pieces.

The purchase modeling unit 370 collects graphs of price fluctuations for previously issued NFTs to create patterns, labels rising, falling, and sideways labels for the patterns, and uses the labeled patterns as an image-based artificial intelligence algorithm pattern image can be learned. First, labeling is performed to create a price change pattern and prepare a data set for it. For example, after dividing the transaction data into a training dataset and a validation dataset at a ratio of approximately 7:3 or 8:2, frequency data of 1 day, 1 week, and 1 quarter (3 months) for pattern generation With , it is possible to create candlestick chart images for each prediction time point, such as -1 tick, -2 tick, and -3 tick. Then, a pattern is created as a training dataset, which may be, for example, rising, falling, sideways, etc., and the graph for this may be the same as the graph of FIG. 4p.

Second, pattern images are learned. Image features are extracted using filters in the convolutional layer, image size is reduced in the pooling layer, and the two layers are formed in the fully-connected layer. The image is finally classified using the information extracted through repetition, and learning is performed with VGG-Net 16, which has 16 convolutional layers. Thirdly, after setting the main goal, the purchase frequency and appropriate price are explored. For example, what is the average purchase price for each piece of product to achieve the maximum profit in the third quarter of 2022, 20% increase in the turnover of long-term uncollected securities You can set goals such as what is the average discount rate for each piece for investment and what is the minimum purchase price to convert a piece investor into a seller, and you can explore the purchase frequency and appropriate price accordingly.

The sale distribution unit 380 may distribute the investment profit to the user terminal 100 when at least one used luxury item for which the NFT is issued is sold. The membership providing unit 390 may provide subscription services for pre-disclosure, periodic analysis reports, and automatic investment services for products selected as excellent products among used luxury goods.

Hereinafter, the operation process according to the configuration of the piece investment service providing server of FIG. 2 will be described in detail with reference to FIGS. 3 and 4 as an example. However, it will be apparent that the embodiment is only any one of various embodiments of the present invention, and is not limited thereto.

As shown in FIG. 3a, the platform (Zebra) of the present invention connects users (investors) and affiliates as shown in FIG. 3b, collects investments in NFTs as shown in FIG. 3c, sells investment products, and then settles profits. At this time, the proceeds may be divided as shown in FIG. 3d, but is not limited thereto. As shown in Figure 3e, an embodiment of the present invention provides a piece investment platform in which even small investors can participate. An embodiment of the present invention provides a platform for brokering piece investment in spot assets based on a valuation solution and NFT as shown in FIG. 4e to solve the problems of FIGS. 4a to 4d. In order to solve the problems shown in FIGS. 4F to 4K, solutions shown in FIGS. 4L to 4Q are provided. In addition, platform revenue can be obtained with the revenue model shown in FIG. 4r, and can be expanded as shown in FIG. 4s. As shown in Figure 4t, the platform of the present invention has completed an alliance with an affiliate.

Matters not described in the method of providing value evaluation for investment in pieces of used luxury goods based on NFTs of FIGS. 2 to 4 are the same as those described in the method for providing value evaluation for investment in pieces of used luxury goods based on NFT through FIG. 1 above. Since it can be easily inferred from the same or described contents, the following description will be omitted.

5 is a diagram showing a process of transmitting and receiving data between each component included in the value evaluation system for investing in the NFT-based used luxury goods piece of FIG. 1 according to an embodiment of the present invention. Hereinafter, an example of a process of transmitting and receiving data between each component will be described through FIG. 5, but the present application is not limited to such an embodiment, and according to various embodiments described above, It is obvious to those skilled in the art that a process of transmitting and receiving data may be changed.

Referring to FIG. 5 , the piece investment service providing server proceeds with inspection of at least one used luxury product requested from at least one affiliate terminal (S5100).

Then, the piece investment service providing server calculates a value evaluation amount for at least one used luxury goods with a predetermined valuation algorithm (S5200), and issues NFTs divided into pieces based on the value evaluation amount (S5300).

In addition, the piece investment service providing server transfers the NFT to the electronic wallet of the user terminal when a purchase request for NFT is received from the user terminal (S5400).

The order between the above-described steps (S5100 to S5400) is only an example, and is not limited thereto. That is, the order of the above-described steps (S5100 to S5400) may be mutually changed, and some of the steps may be simultaneously executed or deleted.

Matters that have not been explained in the method of providing value evaluation for investment in fragments of NFT-based used luxury goods in FIG. Since it can be easily inferred from the same or described contents, the following description will be omitted.

The method for providing value assessment for investment in pieces of used luxury goods based on NFTs according to an embodiment described with reference to FIG. 5 is in the form of a recording medium containing instructions executable by a computer, such as applications or program modules executed by a computer. can also be implemented. Computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. Also, computer readable media may include all computer storage media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data.

The above-described method for providing value evaluation for investment in used luxury goods based on NFTs according to an embodiment of the present invention is an application that is basically installed in a terminal (this may include a program included in a platform or operating system that is basically installed in the terminal) ), or an application (that is, a program) installed directly in the master terminal through an application providing server such as an application store server, an application, or a web server related to the corresponding service. In this sense, the method for providing value evaluation for investment in pieces of used luxury goods based on NFTs according to an embodiment of the present invention described above is implemented as an application (ie, a program) that is basically installed in a terminal or directly installed by a user, and is implemented in a terminal, etc. can be recorded on a computer-readable recording medium.

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

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

Claims (6)

A user terminal that purchases an NFT issued based on the valuation amount calculated after valuation of used luxury goods;
at least one affiliate terminal requesting the purchase of at least one used luxury product; and
an inspection unit which inspects at least one used luxury product requested from the at least one affiliate terminal; a valuation unit that calculates a valuation amount for the at least one used luxury product using a predetermined valuation algorithm; An NFT issuing unit that issues NFTs divided into pieces based on the value evaluation amount; A piece investment unit for transferring the NFT to an electronic wallet of the user terminal when a purchase request for NFT is received from the user terminal; After extracting at least one enterprise value evaluation feature that affects the enterprise value of the at least one used luxury goods, and extracting at least one product valuation feature that affects the product value of the at least one used luxury goods, , Selecting a feature whose correlation satisfies a preset reference value among the at least one enterprise valuation feature and at least one product valuation feature, and as a result of learning and verifying at least one artificial intelligence algorithm with the selected feature A piece investment service providing server including a valuation modeling unit that selects an artificial intelligence algorithm with the highest accuracy as the valuation algorithm;
A value evaluation system for investment in used luxury goods based on NFTs, including
delete According to claim 1,
The piece investment service providing server,
If the sale period for the previously issued NFT exceeds a predetermined period, a piece purchase unit that purchases and then resells the NFT divided into pieces;
A value evaluation system for investing in used luxury goods based on NFTs, characterized in that it further comprises.
According to claim 3,
The piece investment service providing server,
A pattern is created by collecting a graph of price fluctuations for the previously issued NFT, labels of rise, fall, and sideways are labeled for the pattern, and the labeled pattern is used to learn the pattern image with an image-based artificial intelligence algorithm Imbued modeling unit;
A value evaluation system for investing in used luxury goods based on NFTs, characterized in that it further comprises.
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