KR102527162B1 - Method and server for Loan Participation based on block chain network - Google Patents

Abstract

The present invention relates to a method of brokering a transaction of a principal and interest receiving right. A method of brokering a transaction of a principal and interest receiving right through a blockchain network, according to the present invention, comprises: a step of issuing, as a token on a blockchain, a principal and interest receiving right for a loan executed with an inventor's investment money on a P2P platform; a step of receiving transaction information about the principal and interest receiving right; a step of reflecting a change in information on a holder of the principal and interest receiving right in the token according to the transaction information; and a step of registering the change in information on the holder with a management agency. According to the present invention, the liquidity of assets generated during P2P transactions can be preserved through a blockchain network, and depending on the liquidity, various transactions of rights and authentication can be provided through a blockchain to increase reliability.

Description

A method for intermediary principal and interest receivable transactions through a blockchain network and a server performing the same {Method and server for Loan Participation based on block chain network}

The present invention relates to a method for brokering a transaction of principal and interest receivables. More specifically, it relates to a transaction mediation method using block chain technology.

The development of various IT technologies affects most businesses as well as the IT field, and conventional offline services are being diversified into new forms through advanced IT technologies.

The traditional financial market is also becoming online through IT technology, and accordingly, the p2p (peer to peer) market, which conducts financial transactions through a network of mutual assets without a central server through decentralization from the method of financial activities through banks or financial institutions, is gradually emerging. It's growing.

P2P is a new type of economic activity that creates value by sharing assets that can only be owned by individuals with others. Since most activities are conducted online, unnecessary expenses such as offline branch operating costs and labor costs are minimized. Through this, it can provide investment services through low fees or high returns.

In addition, users' needs for decentralization are creating demand for blockchain technology due to the characteristics of the financial industry, where reliability is the most important, and higher-level services are being created by combining blockchain technology with financial services.

In this regard, the prior patent (Korean Patent Publication No. 10-2021-0017964 (published on February 17, 2021) relays the credentials and authentication of all transactions occurring in P2P loans through a blockchain network, and the user's request is fulfilled. It proposes a technology that transfers the rights generated by the completion of a request while proving that it has been completed.

However, due to the nature of P2P transactions, it is necessary to devise a network application method for not only direct loan transactions but also various derived rights.

An object of the present invention is to propose a method for preserving the liquidity of assets generated during P2P transactions through a blockchain network.

In addition, an object of the present invention is to provide various transactions and authentication of rights according to liquidity through a block chain.

In addition, an object of the present invention is to propose a method for increasing transaction efficiency of receivables for principal and interest on loans on P2P.

The method for intermediary principal and interest receivables transaction through a blockchain network according to the present invention for solving the above technical problem includes issuing principal and interest receivables for a loan executed with an investment of an investor on a P2P platform as a token on a blockchain; Receiving transaction information on the principal and interest receivables; reflecting a change in right holder information for the principal and interest receivables to the token according to the transaction information; and registering the change of the right holder information with a management institution.

and providing principal and interest information of the principal and interest receivables and information on a sales amount set by an investor.

A step of providing a current status of principal and interest receivables for each investor is provided.

The issuing step verifies the validity of the principal and interest receivable before issuing the token, and includes the verification value in the token.

Preferably, the issuing step includes the maturity information of the principal and interest receivables in the token.

In order to solve the above technical problem, the intermediary node for trading principal and interest receivables through the blockchain network according to the present invention issues principal and interest receivables for loans executed with investors' investments on the P2P platform as tokens on the blockchain, and the principal and interest receivables a token management unit that reflects a change in right holder information for the principal and interest receivables to the token according to the transaction information of the right; a transaction information receiving unit for receiving transaction information on the principal and interest receivables; and a management institution register for registering changes in information of the right holder of the principal and interest receivable to the management institution.

In addition, it may include a program code for executing the method of brokering principal and interest receivable transactions through a blockchain network according to the present invention.

According to the present invention, the liquidity of assets generated during P2P transactions can be preserved through a blockchain network, and reliability can be increased by providing various transactions and authentication of rights according to the liquidity through the blockchain.

In addition, the present invention can efficiently manage each value by increasing the transaction efficiency of the receivable for the principal and interest of the loan on P2P and operating the right through tokens.

In addition, the present invention can increase the liquidity of assets by efficiently performing transaction proof of principal and interest receivables through decentralization.

1 is a conceptual diagram illustrating a system for brokering principal and interest receivable transactions through a blockchain network according to an embodiment of the present invention.
2 is a flowchart illustrating a method for brokering principal and interest receivable transactions through a blockchain network according to an embodiment of the present invention.
3 is an exemplary view showing an example of token generation in a blockchain network according to an embodiment of the present invention.
4 is an exemplary view showing an example of transaction verification of principal and interest receivables in a blockchain network according to an embodiment of the present invention.
5 is an exemplary view showing a list of principal and interest receivable tokens of users of a blockchain network according to an embodiment of the present invention.
6 is an exemplary diagram showing a node configuration of a blockchain network according to an embodiment of the present invention.

The following merely illustrates the principles of the invention. Therefore, those skilled in the art can invent various devices that embody the principles of the invention and fall within the concept and scope of the invention, even though not explicitly described or shown herein. In addition, all conditional terms and embodiments listed in this specification are, in principle, clearly intended only for the purpose of understanding the concept of the invention, and it should be understood that it is not limited to the specifically listed embodiments and conditions. .

The above objects, features and advantages will become more apparent through the following detailed description in conjunction with the accompanying drawings, and accordingly, those skilled in the art to which the invention belongs will be able to easily implement the technical idea of the invention. .

In addition, in describing the invention, if it is determined that a detailed description of a known technology related to the invention may unnecessarily obscure the subject matter of the invention, the detailed description will be omitted. Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 conceptually shows a method of managing asset liquidity on a network by applying a block chain to a P2P-based investment system according to an embodiment of the present invention.

Referring to FIG. 1 , the P2P service server 100 may be operated by a service entity providing a P2P platform, and a credit institution operated in conjunction with the service entity may provide a loan to a borrower 10 .

The principal of the P2P loan can be paid from the investors 20, and the service server 100 receiving the investment of the investors 20 lends to the borrowers 10, and the right to receive principal and interest on the loan. By providing to the investors 20, the investors 20 can recover their investment.

At this time, a loan contract legally occurs between the borrower 10 and the credit institution, and the investor 20 has only the principal and interest receivable certificate issued by the service server 100 . Therefore, when the P2P service subject goes bankrupt, there is a problem in that there is no legal basis for the investor 20 to directly force the borrower 10 to repay the principal and interest.

Therefore, additional means are needed to generate and preserve the liquidity of the principal and interest receivables themselves.

The blockchain network 200 according to this embodiment tokenizes the principal and interest receivables through a blockchain system, stores the conditions for the principal and interest receivables, and ensures integrity so that transactions between individuals are possible.

In addition, as individual tokens are created in units of principal and interest receivables, the corresponding tokens have respective values, manage the fluctuating values in token units, and prove rights by recording transaction information in tokens again.

Hereinafter, a method of tokenizing principal and interest receivables according to the present embodiment will be described with reference to FIG. 2 .

First, in the blockchain network 200 composed of a plurality of nodes 210, the principal and interest receivable for the loan executed with the investment of the investor 20 on the P2P platform is issued as a token on the blockchain (S100).

At this time, the principal and interest receivable can be tokenized, including identification information and transaction number of the P2P platform where the right occurred, expected repayment amount, investment principal, interest rate, and overdue information.

In addition, the validity of principal and interest receivables can be checked internally through the blockchain network 200, and the validity can be primarily checked in the related service server 100 through P2P platform identification information. In addition, it is also possible to verify the identity of principal and interest receivables of various investors 20 related to the same product by comparing the sum of the principal and the product price through the transaction number due to the nature of P2P investment.

Alternatively, API (application programming interface) verifies integrity at the time of transfer/acquisition of principal and interest receivables through mutual confirmation between the issuing entity of the token (e.g. blockchain network) and the P2P service server that actually generated the principal and interest receivables It is possible to develop and distribute in form.

If the validity of the principal and interest receivables is verified through the above method, the corresponding information is tokenized and recorded on the blockchain network 200. In addition, the verification information at this time is separately generated as a verification value and managed in the token.

Next, the tokenized principal and interest receivable can be provided along with the sale price information on the trading platform. Therefore, various users can determine the rate of return based on the sales price compared to the expected repayment amount of the principal and interest receivables and trade the principal and interest receivables.

Specifically, principal and interest information of principal and interest receivables and sales amount information set by the investor 20 may be provided. At this time, the sales information of principal and interest receivables may be provided through the platform of the service server 100 that executed the loan of the principal or through a third platform, and the server operating the third platform is issued by the P2P service subject. It enables integrated management and trading of principal and interest receivables.

The blockchain network 200 receives transaction information on principal and interest receivables (S200). Specifically, seller information and buyer information of principal and interest receivables are received.

Next, the change in right holder information for the principal and interest receivable is reflected in the token according to the corresponding transaction information (S300).

That is, the token is continuously updated according to the transaction of principal and interest receivables, and may be extinguished when the principal and interest are repaid.

At this time, a step of registering a change in right holder information according to the transaction of principal and interest receivables with a management institution (S400) may be additionally performed.

The management institution is an institution that manages transaction information of the online investment-linked financial business and records and manages borrowing information, investment information, and information about the borrower 10 and the investor 20. In addition, it is possible to carry out tasks related to the management of borrowing limits and investment limits under consignment from online investment-linked financial companies, etc.

The operation server 300 of the management institution may receive transaction information of principal and interest receivables from the service server 100, record and manage it.

Referring to FIG. 3 , the principal and interest receivable may include the valid period of the token for tokenization.

The validity period of the token may be set according to the maturity date of the loan, or may be set based on the period of the borrower 10's right to the real estate in the case of real estate according to the characteristics of the product invested through the loan. Through this, transactions on the blockchain can be allowed and restricted after the expiration date through tokenized information independently of whether the principal and interest receivables themselves are redeemed.

The initial validity period can be designated as the maturity date set in the initial loan contract, and the validity period can be changed if issues such as early repayment (mid-term repayment) or overdue occur.

The service server 100 defines the issue of verification and, for example, performs a procedure for validating through additional verification whenever transfer, transfer, or a case where the owner of the token requests that information on the token needs to be updated. can be set

Next, maturity information of principal and interest receivables can be stored, and maturity information can be set to a unique value that cannot be changed. Therefore, the maturity information cannot be arbitrarily changed, and the value can be prevented from changing according to the intentional agreement of the absolute majority. In the case of principal and interest receivables, whether or not they are overdue is determined based on maturity information, and thus, since it is an important factor in calculating the value of principal and interest receivables, transaction stability is further guaranteed by fixing them.

However, the integrity of the bond can be guaranteed by issuing additional new tokens in case of overdue (in this case, the expected maturity date changes), early redemption, or partial redemption depending on the soundness of the bond. That is, the information stored in the initial token sets the expiration date in the initial contract that cannot be changed, but apart from that, when the ownership of the bond is transferred through other column values or variables, the token information is updated or all change information is included. Issue and process new tokens.

In addition, a verification flag can be additionally stored when tokenizing principal and interest receivables.

The verification flag is a binary value and can have True/False values.

Specifically, the verification flag determines whether to perform verification of the P2P service server 100 or interwork with the P2P service server 100 and the server 300 of the management institution to verify the transaction of the principal and interest receivables. By setting this in advance at the time of tokenization, a more stable transaction can be established according to the nature of the principal and interest receivables, and a transaction can be established according to legal procedures under the legal system.

Referring to FIG. 4, when the verification flag is set to True and authentication of the server of the management institution is required, the transaction information of the principal and interest receivable generated on the blockchain network 200 is requested for authentication to the P2P service server 100, and the authentication result can be transmitted to the management authority so that it can be recorded and the token can be updated at the same time.

As a specific verification method, in addition to mutual comparison between the parties in the form of API as described above, the original form of principal and interest receivables can be included in token information through direct coding. For example, the original image of the certificate details of principal and interest receivables As a basis, the corresponding image can be characterized based on a Convolution Neural Network (CNN).

That is, the image of the principal and interest receivable certificate can be derived as a feature map through a preset convolution layer, and integrity can be verified through comparison between the corresponding feature maps. Comparison may determine similarity using a distance within a space in which feature information in a feature map is defined. In addition, in the tokenized information, the degree of compression through convolution can be included as depth information of the layer, and based on the corresponding depth information, it is possible to mutually verify whether or not it is an original using a sequential convolution operation result.

In addition, principal and interest receivables tokenized according to this embodiment have individual values and may have a variable value according to the influence of the investor 20's investment history or investment portfolio.

In addition, principal and interest receivables issued as tokens actually have value as proof of investment.

It also has value for the technical convenience and security of transfer/acquisition of principal and interest receivables, and all histories of principal and interest receivables (bonds) initially issued are transparently managed to prevent information manipulation by the issuing corporation.

Therefore, referring to FIG. 5, in this embodiment, the blockchain network 200 can also provide a list of principal and interest receivables of a specific investor 20.

In addition, the second investor 20 who purchases principal and interest receivables can also manage the list of the corresponding rights on the blockchain network 200, manages the value of each irreplaceable principal and interest receivables as a portfolio, and records investment records as a history. can be created with

That is, these principal and interest receivables themselves have liquidity and can be reinvested as individual values, and are tokenized and managed on the blockchain network 200.

In addition, in this embodiment, the blockchain network 200 can determine whether all principal and interest receivables have reached maturity, whether they are overdue, and the current status of the interest rate through the characteristics of managed tokens.

In general, since non-fungible tokens each have individual value, it is impossible to control the total amount of token issuance, and thus the consumption of network and power resources due to blockchain-specific proof-of-work (PoW)-based blockchain activities It is required.

That is, in this embodiment, the blockchain network 200 predicts the expiration time of the generated token through the validity period and expiration information set at the time of tokenization in advance in consideration of the characteristics of principal and interest receivables, thereby managing the total number of tokens managed in the entire network. The current status is managed and the resources of the nodes 210 constituting the network are efficiently used in consideration of the ratio of newly generated tokens.

In general, tokens recorded on a blockchain network are not managed in real time or periodically, but in this embodiment, it is possible to allocate resources in advance by predicting the renewal / new issuance time of the token through the validity period / expiration information, and it is possible to allocate resources in advance If verification is required for the rights relationship or the contents of the token issued for the first time due to other reasons, verification between subjects is exceptionally verified in case of ownership change (transfer, acquisition, etc.) issues (change of maturity date, bond status, validity of bond) etc.) can be configured to perform

Hereinafter, the node 210 of the blockchain network 200 according to this embodiment will be described with reference to FIG. 6 . The node 210 is a device including a computing processor and is a physical device that verifies transactions on the blockchain network 200 and tokenizes and stores information.

In this embodiment, the node 210 may include a token management unit, a transaction information receiving unit, and a management institution registration unit.

The token management unit issues the principal and interest receivables for the loan executed with the investment of the investor 20 on the P2P platform as tokens on the blockchain, and changes the information of the owner of the principal and interest receivables according to the transaction information of the principal and interest receivables. reflected in the token.

In the blockchain network 200 composed of a plurality of nodes 210, the principal and interest receivables for the loan executed with the investment of the investor 20 on the P2P platform are managed by distributing tokens on the blockchain, and integrity is verified.

Information to be tokenized may include identification information on the P2P platform where the principal and interest receivables occurred, transaction number, expected repayment amount, investment principal, interest rate, and overdue information. Additionally, a verification flag can be additionally stored when tokenizing principal and interest receivables.

Next, the transaction information receiving unit receives transaction information on the principal and interest receivable. Specifically, transaction information can be received through a platform that brokers the trading of principal and interest receivables, and the transaction information receiving unit verifies the target principal and interest receivables before renewing them.

At this time, the verification process may be performed by referring to the verification flag in the token. Verification may be performed through the verification of the P2P service server 100 or in conjunction with the P2P service server 100 and the server of the management institution.

Upon completion of the verification process, the corresponding token is renewed.

The management agency registration registers changes in information of the owner of principal and interest receivables with the management agency. The corresponding configuration may be omitted, and it is also possible to prove the right holder on behalf of the management institution through an agreement on the blockchain network 200.

According to the present invention, the liquidity of assets generated during P2P transactions can be preserved through the blockchain network 200, and reliability can be increased by providing various transactions and authentication of rights according to the liquidity through the blockchain.

In addition, the present invention can efficiently manage each value by increasing the transaction efficiency of the receivable for the principal and interest of the loan on P2P and operating the right through tokens.

In addition, the present invention can increase the liquidity of assets by efficiently performing transaction proof of principal and interest receivables through decentralization.

Furthermore, various embodiments described herein may be implemented in a recording medium readable by a computer or a device similar thereto using, for example, software, hardware, or a combination thereof.

According to hardware implementation, the embodiments described herein include application specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs), field programmable gate arrays (FPGAs), It may be implemented using at least one of processors, controllers, micro-controllers, microprocessors, and electrical units for performing other functions. The described embodiments may be implemented as a control module itself.

According to software implementation, embodiments such as procedures and functions described in this specification may be implemented as separate software modules. Each of the software modules may perform one or more functions and operations described herein. The software code may be implemented as a software application written in any suitable programming language. The software code may be stored in a memory module and executed by a control module.

The above description is merely an example of the technical idea of the present invention, and those skilled in the art can make various modifications, changes, and substitutions without departing from the essential characteristics of the present invention. will be.

Therefore, the embodiments disclosed in the present invention and the accompanying drawings are not intended to limit the technical idea of the present invention, but to explain, and the scope of the technical idea of the present invention is not limited by these embodiments and the accompanying drawings. . The protection scope of the present invention should be construed according to the following claims, and all technical ideas within the equivalent range should be construed as being included in the scope of the present invention.

Claims (7)

A node device on the network issuing a principal and interest receivable for a loan executed with an investment of an investor on a P2P platform as a token on a blockchain;
Receiving transaction information on the principal and interest receivables;
reflecting a change in right holder information for the principal and interest receivables to the token according to the transaction information;
registering a change in the right holder information with a management institution;
providing principal and interest information of the principal and interest receivables and sales amount information set by an investor; and
Including the step of providing the status of holding principal and interest receivables for each investor,
The issuing step is performed by an application programming interface (API) that verifies the validity of the principal and interest receivable before issuing the token and includes the verification value in the token,
The validity period of the token is set according to the maturity date of the loan,
The initial effective period is set as the maturity date set in the initial loan contract, and the initial effective period is subject to early repayment or the occurrence of overdue issues.
If an overdue issue occurs, the calculated expected maturity date changes, or if a partial redemption issue occurs, a new token is issued that includes additional change information,
The blockchain network predicts the issuance time of the token through the validity period or expiration date information, and manages the resources of the nodes constituting the blockchain network in response,
If the change in the rights relationship of the principal and interest receivables or the contents of the initially issued token require verification, after verification through the API for the server of the management institution and validity is verified, the issued Principal and interest receivable transaction brokerage method characterized in that to perform token renewal According to claim 1,
The step of issuing principal and interest receivables transaction brokerage method, characterized in that including the maturity information of the principal and interest receivables in the token. A token management unit that issues the principal and interest receivables for loans executed with the investor’s investment on the P2P platform as tokens on the blockchain and reflects the change in the information of the owner of the principal and interest receivables to the token according to the transaction information of the principal and interest receivables ;
a transaction information receiving unit for receiving transaction information on the principal and interest receivables; and
Including a management institution register for registering changes in information of the right holder of the principal and interest receivable to the management institution;
The token management unit,
It provides principal and interest information of principal and interest receivables, sales amount information set by investors, and the current status of principal and interest receivables held by each investor,
It is performed by an application programming interface (API) that verifies the validity of the principal and interest receivable before issuing the token and includes the verification value in the token,
The validity period of the token is set according to the maturity date of the loan,
The initial effective period is set as the maturity date set in the initial loan contract, and the initial effective period is subject to early repayment or the occurrence of overdue issues.
If an overdue issue occurs, the calculated expected maturity date changes, or if a partial redemption issue occurs, a new token is issued that includes additional change information,
The blockchain network predicts the issuance time of the token through the validity period or expiration date information, and manages the resources of the nodes constituting the blockchain network in response,
If the change in the rights relationship of the principal and interest receivables or the contents of the initially issued token require verification, after verification through the API for the server of the management institution and validity is verified, the issued Blockchain node device for brokering principal and interest receivable transactions, characterized in that for performing token renewal A node device on the network issuing a principal and interest receivable for a loan executed with an investment of an investor on a P2P platform as a token on a blockchain;
Receiving transaction information on the principal and interest receivables;
reflecting a change in right holder information for the principal and interest receivables to the token according to the transaction information;
registering a change in the right holder information with a management institution;
providing principal and interest information of the principal and interest receivables and sales amount information set by an investor; and
Including the step of providing the status of holding principal and interest receivables for each investor,
The issuing step is performed by an application programming interface (API) that verifies the validity of the principal and interest receivable before issuing the token and includes the verification value in the token,
The validity period of the token is set according to the maturity date of the loan,
The initial effective period is set as the maturity date set in the initial loan contract, and the initial effective period is subject to early repayment or the occurrence of overdue issues.
If an overdue issue occurs, the calculated expected maturity date changes, or if a partial redemption issue occurs, a new token is issued that includes additional change information,
The blockchain network predicts the issuance time of the token through the validity period or expiration date information, and manages the resources of the nodes constituting the blockchain network in response,
If the change in the rights relationship of the principal and interest receivables or the contents of the initially issued token require verification, after verification through the API for the server of the management institution and validity is verified, the issued A computer-readable recording medium in which a program for performing a brokerage method for trading principal and interest receivables to perform token renewal is stored. delete delete delete

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