KR102527580B1 - System supporting certificate of principal and interest receivable transaction based on the seller's transaction asset authentication result - Google Patents

Abstract

Based on the transaction asset authentication result of the seller according to an embodiment of the present invention, the system for supporting the transaction of principal and interest receivables is composed of a server and a user device, and the user device is a first requesting sale of principal and interest receivables owned by the seller. It includes a user device and a second user device requesting purchase of the principal and interest receivables registered for sale, and the server receives a request for selling the principal and interest receivables owned by the user from the first user device, the corresponding principal and interest receivables. certifying suitability for transaction, registering principal and interest receivables for which transaction suitability has been certified for sale on the trading platform, and receiving a request for purchase of principal and interest receivables registered in the trading platform from the second user device, receiving the corresponding principal and interest Payment of sales amount and ownership transfer can be performed.

Description

System supporting certificate of principal and interest receivable transaction based on the seller's transaction asset authentication result}

The present invention relates to a system for supporting principal and interest receivable transactions based on a transaction asset authentication result of a seller. More specifically, the present invention relates to a system for enabling principal and interest receivables to be traded in a single platform regardless of the issuer of the principal and interest receivables.

With the recent activation of P2P investment, users' demand to trade principal and interest receivables, which is the right to receive principal and interest corresponding to such P2P investment, is also increasing.

However, there is still a shortage of markets where principal and interest receivables can be sold, and although some companies provide exchanges through which principal and interest receivables can be traded, their utilization is low as they are limited to trading products issued by those companies. Due to this situation, many users try to trade through unofficial routes when they want to sell principal and interest receivables owned by them, and accordingly, the transaction of principal and interest receivables may be abused for crimes such as fraud.

Therefore, it is required to prepare a platform that has high stability, public confidence, and can trade principal and interest receivables issued by various companies.

An object of the present invention is to allow principal and interest receivables issued by various companies to be traded through the same platform.

An object of the present invention is to transparently manage the transaction history of principal and interest receivables, and to provide a trading platform for principal and interest receivables with high stability and public confidence.

Based on the transaction asset authentication result of the seller according to an embodiment of the present invention, the system for supporting the transaction of principal and interest receivables is composed of a server and a user device, and the user device is a first requesting sale of principal and interest receivables owned by the seller. It includes a user device and a second user device requesting purchase of the principal and interest receivables registered for sale, and the server receives a request for selling the principal and interest receivables owned by the user from the first user device, the corresponding principal and interest receivables. certifying suitability for transaction, registering principal and interest receivables for which transaction suitability has been certified for sale on the trading platform, and receiving a request for purchase of principal and interest receivables registered in the trading platform from the second user device, receiving the corresponding principal and interest Payment of sales amount and ownership transfer can be performed.

Various embodiments of the present invention allow principal and interest receivables issued by various companies to be traded through the same platform, so that users can be supported to trade principal and interest receivables in a more convenient manner.

Since various embodiments of the present invention record transaction information of principal and interest receivables based on a private blockchain, it is possible to transparently manage the transaction history of principal and interest receivables and provide a stable and reliable trading platform function. .

1 is a diagram showing the configuration of an integrated trading system according to an embodiment of the present invention.
2 is a diagram for explaining an operation of trading principal and interest receivables in an integrated trading platform according to an embodiment of the present invention.
3 is a diagram showing the configuration of a server according to an embodiment of the present invention.
4 is a diagram showing the configuration of a transaction asset authentication unit according to an embodiment of the present invention.
5 is a diagram showing the configuration of a transaction support unit according to an embodiment of the present invention.

Advantages and features of the present invention, and methods of achieving them, will become clear with reference to the detailed description of the following embodiments taken in conjunction with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but may be implemented in various different forms, only these embodiments are intended to complete the disclosure of the present invention, and are common in the art to which the present invention belongs. It is provided to fully inform the person skilled in the art of the scope of the invention, and the invention is only defined by the scope of the claims.

Terminology used herein is for describing the embodiments and is not intended to limit the present invention. In this specification, singular forms also include plural forms unless specifically stated otherwise in a phrase. As used herein, "comprises" and/or "comprising" does not exclude the presence or addition of one or more other elements other than the recited elements. Like reference numerals throughout the specification refer to like elements, and “and/or” includes each and every combination of one or more of the recited elements. Although "first", "second", etc. are used to describe various components, these components are not limited by these terms, of course. These terms are only used to distinguish one component from another. Accordingly, it goes without saying that the first element mentioned below may also be the second element within the technical spirit of the present invention.

Unless otherwise defined, all terms (including technical and scientific terms) used in this specification may be used with meanings commonly understood by those skilled in the art to which the present invention belongs. In addition, terms defined in commonly used dictionaries are not interpreted ideally or excessively unless explicitly specifically defined.

The term "unit" or "module" used in the specification means a hardware component such as software, FPGA or ASIC, and "unit" or "module" performs certain roles. However, "unit" or "module" is not meant to be limited to software or hardware. A “unit” or “module” may be configured to reside in an addressable storage medium and may be configured to reproduce one or more processors. Thus, as an example, a “unit” or “module” may refer to components such as software components, object-oriented software components, class components, and task components, processes, functions, properties, procedures, subroutines, segments of program code, drivers, firmware, microcode, circuitry, data, databases, data structures, tables, arrays and variables. Functions provided within components and "units" or "modules" may be combined into smaller numbers of components and "units" or "modules" or may be combined into additional components and "units" or "modules". can be further separated.

The spatially relative terms "below", "beneath", "lower", "above", "upper", etc. It can be used to easily describe a component's correlation with other components. Spatially relative terms should be understood as including different orientations of elements in use or operation in addition to the orientations shown in the drawings. For example, if you flip a component that is shown in a drawing, a component described as "below" or "beneath" another component will be placed "above" the other component. can Thus, the exemplary term “below” may include directions of both below and above. Components may also be oriented in other orientations, and thus spatially relative terms may be interpreted according to orientation.

In this specification, a computer means any kind of hardware device including at least one processor, and may be understood as encompassing a software configuration operating in a corresponding hardware device according to an embodiment. For example, a computer may be understood as including a smartphone, a tablet PC, a desktop computer, a laptop computer, and user clients and applications running on each device, but is not limited thereto.

In addition, the right to receive the principal and interest presented in this specification means the right to receive the principal and interest, and specifically, it can be understood as the right to receive the principal and interest repaid by the borrower when an investor invests in a P2P investment product. can

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

1 is a diagram showing the configuration of an integrated trading system according to an embodiment of the present invention.

The integrated trading system according to an embodiment of the present invention may provide a platform service for trading principal and interest receivables acquired by one user through P2P investment, etc., with another user.

Specifically, the integrated trading system may include a server 100 supporting a trading platform for principal and interest receivables and a plurality of user devices 200 that wish to trade principal and interest receivables. Furthermore, the user device may include a first user device 201 that wants to sell principal and interest receivables and a second user device 202 that wants to buy principal and interest receivables.

The server 100 may receive a request signal to sell the principal and interest receivables from the first user device 201 that wants to sell the principal and interest receivables. At this time, the server 100 transmits asset information (e.g., investment product information, investment amount, interest rate, etc.) and transaction information (e.g., transaction conditions such as sales price) related to principal and interest receivables together with a signal requesting the sale of principal and interest receivables to the first user. A request can be made to the device 201.

The server 100 also authenticates the transaction suitability of the principal and interest receivable upon receiving the information on the principal and interest receivable, initiates generation and management of the private key of the blockchain for the principal and interest receivable for which the transaction suitability has been certified, and initiates the corresponding principal and interest receivable. An operation of determining suitability by comparing the asset value of the right of receipt with the transaction information requested by the first user may be performed.

Thereafter, when the server 100 receives a purchase request from another user device (the second user device 202) for the principal and interest receivables, the overall transaction process (e.g., payment, transfer of ownership, etc.).

When the transaction is completed, the server 100 records the transaction-related contents in the transaction ledger of the block chain, so that it can be checked when re-transacting the same product in the future.

2 is a diagram for explaining an operation of trading principal and interest receivables in an integrated trading platform according to an embodiment of the present invention.

As shown in FIG. 2 , the integrated trading platform according to an embodiment of the present invention may support a service of trading not only principal and interest receivables issued by one company, but also various types of principal and interest receivables issued by various companies.

In general, principal and interest receivables are loans to which a user (investor) invests in an investment product in a financial company that sells P2P investment products and is entitled to receive principal and interest for the investment.

The platform according to an embodiment of the present invention may support trading of various types of principal and interest receivables issued by various companies on one platform.

Specifically, the platform according to an embodiment of the present invention supports other users to purchase the principal and interest receivable issued by company A as the owner registers the principal and interest receivable as a trading product on the trading platform. . Accordingly, the ownership of principal and interest receivables registered as trading products may be transferred, for example, from the first user to the second user. In this case, the price for selling the principal and interest receivables by the first user to the second user may be paid to the account of the first user.

As the ownership of the principal and interest receivable is changed in this way, the object to be reimbursed for the principal and interest from the company A may be changed to the second user who has purchased the principal and interest receivable instead of the first user.

For reference, according to various embodiments, the proceeds from the sale of principal and interest receivables may include various forms, such as not only cash, but also stocks and other principal and interest receivables.

In addition, the server 100 providing the transaction platform service may determine the transaction price with an amount to which a certain discount rate is applied when a transaction product (principle receivable) is registered for sale. In addition, the server 100 may automatically charge transaction fees to users who are participants in the transaction.

The fee may be paid to the trading platform, for example, in the step of registering the principal and interest receivables that the first user wants to sell on the trading platform or in the step of trading the principal and interest receivables registered to be sold by the first user to other users. .

As the owner of the right to receive the principal and interest is changed through a transaction, the principal and interest of the investment proposal must be delivered to the second user, the changed owner. There are various ways to receive the principal and interest from the second user. For example, when a second user purchases principal and interest receivables from company A from a first user, the server 100 provides changed owner information (eg, account information) to the previously affiliated company A and processes an approval process. Through this, it is possible to deposit principal and interest from company A to the account of the second user. Alternatively, the server 100 allows the principal and interest to be transferred first to the account on the platform server 100 for the amount to be provided to the first user who sold the principal and interest receivables, and then the server 100 transfers 2 It can support the transfer of the principal and interest of the car. If the payment for the investment made by the other company is made through the platform server 100 in this way, the server 100 may deduct a predetermined fee when repaying the principal and interest.

3 is a diagram showing the configuration of a server according to an embodiment of the present invention.

As shown in FIG. 3 , the server 100 according to an embodiment of the present invention may include a communication unit 110, a storage unit 120, and a control unit 130.

The communication unit 110 may use a network to transmit/receive data between the user device and the server, and the type of the network is not particularly limited. The network may be, for example, an Internet Protocol (IP) network that provides large data transmission and reception services through Internet Protocol (IP) or an All IP network integrating different IP networks. In addition, the network includes a wired network, a Wibro (Wireless Broadband) network, a mobile communication network including WCDMA, a mobile communication network including a High Speed Downlink Packet Access (HSDPA) network and a Long Term Evolution (LTE) network, LTE advanced (LTE-A ), a mobile communication network including Five Generation (5G), a satellite communication network, and a Wi-Fi network, or a combination of at least one or more of them.

The communication unit 110 according to an embodiment of the present invention may transmit and receive data for a transaction of assets (principal and interest receivables) with a plurality of user devices 200 . Specifically, the communication unit 110 may receive a signal requesting a sale or purchase of principal and interest receivables from the user device 200 . Further, the communication unit 110 may receive asset information and transaction information about the principal and interest receivables to be traded from the first user device 201 that wants to sell the principal and interest receivables.

In addition, the communication unit 110 may transmit information on various authentication results (asset value, authenticity, etc.) performed on principal and interest receivables and information on whether a transaction has been completed to the user device 200 .

The storage unit may include, for example, an internal memory or an external memory. The built-in memory includes, for example, volatile memory (e.g., DRAM (dynamic RAM), SRAM (static RAM), SDRAM (synchronous dynamic RAM), etc.), non-volatile memory (non-volatile memory) (e.g., OTPROM (one time programmable ROM), PROM (programmable ROM), EPROM (erasable and programmable ROM), EEPROM (electrically erasable and programmable ROM), mask ROM, flash ROM, flash memory (such as NAND flash or NOR flash), hard drive, Or, it may include at least one of a solid state drive (SSD).

The external memory includes a flash drive, for example, compact flash (CF), secure digital (SD), micro secure digital (Micro-SD), mini secure digital (Mini-SD), extreme digital (XD), A multi-media card (MMC) or a memory stick may be further included. The external memory may be functionally and/or physically connected to the electronic device through various interfaces.

The storage unit 120 according to an embodiment of the present invention may store programs and commands related to an operation of performing an integrated transaction of principal and interest receivables. Specifically, the storage unit 120 may store a value evaluation algorithm for principal and interest receivables, and may store a payment module required when trading principal and interest receivables between users.

In addition, the storage unit 120 may include and store information about an affiliated company issuing principal and interest receivables and user information registered as a member.

In addition, the storage unit 120 may store issuer authentication algorithms, block chain key generation modules, etc. required for trading principal and interest receivables issued from various companies.

The controller 130 of the present invention may also be referred to as a processor, controller, microcontroller, microprocessor, microcomputer, or the like. Meanwhile, the control unit may be implemented by hardware, firmware, software, or a combination thereof.

In the case of implementation by firmware or software, an embodiment of the present invention may be implemented in the form of a module, procedure, or function that performs the functions or operations described above. The software code may be stored in the memory and driven by the control unit. The memory may be located inside or outside the user terminal and server, and data may be exchanged with the control unit by various means known in the art.

The control unit 130 according to an embodiment of the present invention may perform a series of operations required for the issuer to trade various principal and interest receivables on the same platform.

Specifically, the controller 130 according to an embodiment of the present invention may include a transaction asset authentication unit 131, a blockchain management unit 132, and a transaction support unit 133. Through each of these components, the control unit 130 checks the asset value of the principal and interest receivables, which are the transaction target, and certifies suitability as the transaction target. It can perform chain-based management operations and actual transaction operations of transaction objects (principal and principal receivables).

Among the components of the controller 130, the transaction asset authentication unit 131 will be described first.

The trading asset authentication unit 131 may perform an operation of determining transaction suitability of an asset that the user intends to trade, and authenticating the asset as a tradable asset upon completion of the confirmation. At this time, assets that can be traded on the integrated trading platform according to an embodiment of the present invention may refer to various types of digital financial assets. Preferably, assets traded on the integrated trading platform according to an embodiment of the present invention may mean principal and interest receivables granted to P2P financial investors.

When the validity of the transaction asset is verified, the transaction asset authentication unit 131 may perform an approval operation to allow a transaction on the integrated transaction platform of the present invention for the transaction asset (receipt of principal and interest). For example, when determining transaction validity, the transaction asset authentication unit 131 may check items such as whether the transaction requested financial asset (principle receivable) has been forged or altered, whether the repayment date has expired, and the like. The transaction asset authentication unit 131 may determine that the transaction is a valid asset when it is determined that there is no abnormality as a result of checking whether there is forgery or alteration, the repayment date of the relevant asset (principle receivable), and the like.

The transaction asset authentication unit 131 further determines the comparison of the sales amount requested by the first user, the seller, with the expected value, product information related to the asset (principal and interest receivables), information related to receipt of the issuer, etc., and repayment stability of the asset. can judge

In addition, the transaction asset authentication unit 131 can authenticate various types of transaction asset-related information as an asset for transaction if it passes a preset standard, and can support transactions on the integrated transaction platform. For example, in the integrated trading platform according to an embodiment of the present invention, sales product registration may be enabled only for financial assets (principal and interest receivables) certified as assets for trading.

The transaction asset authentication unit 131 may include an issuer confirmation unit 131a, an owner confirmation unit 131b, and an asset value confirmation unit 131c.

When a user intends to register a financial product owned by the user for sale, the transaction asset authentication unit 131 may perform an operation for determining the transaction suitability of the corresponding product (principle receivable).

A more detailed description of the transaction asset authentication unit 131 will be described with reference to FIG. 4 .

The blockchain management unit 132 may perform private blockchain-based management of principal and interest receivables whose transaction suitability has been certified so that transactions on the platform of principal and interest receivables are centralized and under safe management.

Blockchain can be used to record and manage a shared ledger used by multiple people. According to an embodiment of the present invention, the blockchain management unit 132 transfers the transaction information (owner change information, transaction price, etc.) can be recorded in

For reference, the private blockchain used in the embodiment of the present invention is a blockchain in which only authorized entities (organizations) with legal responsibility create transactions, unlike public blockchains in which anyone can access data and create transactions. means network method. Because the target to participate in the blockchain network is clear, there is no need to issue a cryptocurrency, which is an incentive system, and participants who can participate in the reading, writing, and consensus process are designated in advance, and new subjects can be added or removed as needed. This method is mainly used by financial institutions.

A private blockchain is a centralized network method and has many differences from a public blockchain in that only authorized entities participate in transaction creation. In particular, the fact that the scope of information sharing can be set in a private blockchain and the existence of an operating subject can mean that anonymity is not guaranteed. This feature can reduce problems caused by anonymity. In addition, since only authorized subjects can participate in the network, the transaction processing speed is faster and the amount of transactions that can be processed is significantly higher than that of the public blockchain method, which goes through the process of checking transaction details from all participants in order to create a block. there is

The blockchain management unit 132 may support records of transactions performed through the transaction support unit 133 in a ledger through a blockchain network. Accordingly, transaction information (eg, ownership transfer history of the same product, etc.) of all assets (principal and interest receivables) traded through the integrated transaction platform according to an embodiment of the present invention may be recorded in a private blockchain ledger.

As such, the blockchain management unit 132 may record transaction information in a blockchain-based public ledger for a transaction of one product for which transaction validity is determined, and the transaction data of the blockchain recorded in this way can be used to verify its validity in future transactions. Can be checked for verification.

The transaction support unit 133 may perform various operations related to the transaction of a financial asset (principle receivable) registered as a product for sale with another person on the integrated transaction platform.

The transaction support unit 133 may include a transaction condition confirmation unit 133a, a transaction condition adjustment unit 133b, and a transaction execution unit 133c.

A more detailed description of the transaction support unit 133 will be described with reference to FIG. 5 .

4 is a diagram showing the configuration of a transaction asset authentication unit according to an embodiment of the present invention.

As shown in FIG. 4 , the transaction asset verification unit 131 may include an issuer verification unit 131a, an owner verification unit 131b, and an asset value verification unit 131c.

The issuing entity confirmation unit 131a may confirm the issuing entity of principal and interest receivables and determine validity thereof.

Specifically, the issuer confirmation unit 131a may determine whether the product is a valid product issued by a financial company that issued the principal and interest receivable (forgery or alteration). To this end, the issuer confirmation unit 131a receives issuance information including the issuance number of the principal and interest receivable and information on the issuing entity (eg, P2P investment company) from the first user, and the principal and interest receivable is entered by the corresponding company. You can check whether the issued bonds are correct.

In this way, in order to confirm the issuing entity of the principal and interest receivables, the issuing entity confirmation unit 131a converts issuance information (issue number, issuer, etc.) of the principal and interest receivables entered by the user from the first user who wants to sell the principal and interest receivables. can be entered directly. Then, the issuing entity confirmation unit 131a transmits the issuance information input from the user to the server of the associated company (issuing entity), requests confirmation of whether the principal and interest receivable issued by the relevant company is requested, and receives principal and interest from the issuing entity server. It may be confirmed whether the issuance information of the book is a valid value.

Alternatively, the issuer confirmation unit 131a may utilize the user's login information. The issuer confirmation unit 131a allows the user to log in to the issuer of the principal and interest receivables to be sold, and obtains the user's investment information identified in the log-in state, thereby obtaining the user's principal and interest receivables ownership information or information on the issuing entity. can be checked.

According to various embodiments, the issuing entity confirmation unit 131a can verify principal and interest receivable information possessed by a user who has entered into an alliance with a plurality of investment companies and has signed up as a member. The issuer confirmation unit 131a may obtain principal and interest receivable details or investment portfolio information of a corresponding user from a plurality of affiliated investment companies, respectively, using identity authentication information of a user who has signed up as a member. Accordingly, the issuer identification unit 131a may check principal and interest receivable information and issuer information possessed by the user.

The owner verification unit 131b may perform a series of operations for verifying information on the seller of principal and interest receivables.

The owner verification unit 131b may inquire a history of fraudulent transaction attempts (fraudulent history) of a user requesting a transaction of principal and interest receivables on a trading platform, and may inquire whether the corresponding user is a bad user. In this case, the owner confirmation unit 131b may determine whether a user is a bad user by inquiring all fraudulent transaction histories identified at the time of purchase as well as sales of one user.

In addition, the owner verification unit 131b may check whether information on the owner of a principal and interest receivable is to be changed. For example, the owner confirmation unit 131b checks whether the current owner information on the product matches, but whether there is a reservation sales history for the product, the owner change schedule, and if the product is scheduled for reservation sale, the seller's principal and interest receivables are sold. Requests may be limited.

The asset value verification unit 131c may perform a series of operations for verifying the asset value of the principal and interest receivables. The asset value verification unit 133c may perform an operation of identifying an investment product corresponding to the principal and interest receivables and estimating an amount that the owner can later collect through the corresponding product.

Specifically, the asset value confirmation unit 131c may receive asset information of the principal and interest receivables from a first user who wants to sell the principal and interest receivables, and evaluate the asset value of the principal and interest receivables based on the received asset information. there is.

The asset information of the principal and interest receivables may include information on a financial instrument in which the owner of the principal and interest receivables has invested, an investment principal, an interest rate, a repayment period, an issuer, and the like. The asset value confirmation unit 131c may numerically evaluate the asset value of the principal and interest receivables based on the asset information of the principal and interest receivables.

According to various embodiments, the asset value confirmation unit 131c may determine the asset value of the corresponding principal and interest receivable by determining the possibility of overdue when principal and interest are received. The asset value verification unit 131c may determine the possibility of overdue of a product to be sold based on overdue history information for each issuer of principal and interest receivables.

The asset value confirmation unit 131c may subtract and evaluate the asset value of the product (principal and interest receivables) that the first user intends to sell as the number of delinquencies increases. Furthermore, when the asset value confirmation unit 131c determines that the possibility of delinquency of a product (principal and interest receivables) that the first user intends to sell is greater than or equal to a reference value, the transaction of the corresponding asset may be restricted.

The transaction asset verification unit 131 determines whether the issuing entity of the product (principal and interest receivable) is clear, whether the owner has an unfair transaction history, and the possibility of regular payment, etc. And based on this, the suitability of the transaction can be judged.

5 is a diagram showing the configuration of a transaction support unit according to an embodiment of the present invention.

When a product (receipt of principal and interest) is requested to be registered as a product for sale, the transaction support unit 133 checks the suitability of the transaction determined by the transaction asset authentication unit 131, and confirms that the product is certified as a tradable asset. can be registered as a product for sale.

In addition, the transaction support unit 133 checks whether the transaction conditions of a principal and interest receivable registered as a product for sale are sufficiently entered, determines whether the entered transaction conditions are appropriate in comparison to the asset value of the product, and requests purchase from other users. Upon receiving this, an operation of selling the corresponding product (receipt of principal and interest) (transfer of ownership of the product to the buyer and transfer of payment to the seller) may be performed.

As shown in FIG. 5 , the transaction support unit 133 may include a transaction condition confirmation unit 133a, a transaction condition adjustment unit 133b, and a transaction execution unit 133c.

The transaction condition checking unit 133a may check transaction conditions input by the first user when requesting a sale. At this time, the transaction condition item input by the user requesting the transaction may mean the selling price of the principal and interest receivable.

According to various embodiments, when requesting a transaction, the user may input an exchange target in transaction conditions. Accordingly, the transaction conditions may include the price of principal and interest receivables or information on exchangeable principal and interest receivables. In addition, various types of products for which asset values can be set may be registered in the transaction conditions.

According to various embodiments, a first user who wants to sell principal and interest receivables may request a transaction for the purpose of changing the principal and interest receivables he/she owns to another type of financial instrument. In this way, when the first user requests to trade the principal and interest receivables owned by the first user, the transaction condition confirmation unit 133a determines the transaction suitability of the principal and interest receivables and the certified asset value to the transaction asset authentication unit 131 (asset value confirmation unit 131c). ), you can check the information. Information on the value of the corresponding principal and interest receivable calculated by the transaction asset authentication unit 131 may be included in the transaction condition item and provided to a second user who wants to purchase it.

In addition, when the first user intends to exchange principal and interest receivables issued by one company with principal and interest receivables issued by another company, the first user may request a transaction by including information thereon in the transaction condition item.

The transaction condition confirmation unit 133a reads various types of transaction conditions registered by the first user when requesting a transaction, and when it is determined that the input of transaction condition information is insufficient, the first user device additionally inputs the corresponding information. 201 can be requested.

Also, as mentioned above, the transaction condition confirmation unit 133a may obtain value information of the corresponding asset calculated by the transaction asset authentication unit 131 when it is determined that the input of the transaction conditions is insufficient.

The transaction condition adjustment unit 133b adjusts the transaction conditions when it is determined that the transaction conditions (sale conditions) input by the first user show a gap of more than a standard value from the value calculated by the transaction asset authentication unit 131 for the corresponding principal and interest receivable. The first user may be requested to do so. For example, when the first user registers the principal and interest receivables as a trading product, the transaction condition (the amount to be sold) is higher than the standard value compared to the principal and interest receivables to be repaid later and the possibility of overdue. In this case, the transaction condition adjusting unit 133b may request the first user to re-enter transaction conditions in order to prevent unfair transactions.

In addition, the transaction condition adjusting unit 133b may guide the exchangeable range to the transaction participants when a principal and interest receivable is to be traded with a different type of principal and interest receivable instead of cash.

According to an embodiment, when a first user requests to exchange a principal and interest receivable for another product (principle and interest receivable), required transaction conditions include a repayment period, interest rate information (range of interest rate fluctuation, average value of interest rate), principal , issuer (company), field of investment product (e.g., physical collateral, trade receivables, institutional investment, etc.) may be included. The first user may select and register only some of the above-mentioned transaction conditions as transaction conditions for exchanging with other products. For example, the first user may want to exchange the principal and interest receivables that he or she wants to sell with other products that have the same principal amount, interest rate information, and investment product fields, but differ only in the repayment institution and issuer. In this case, when the first user requests a transaction, only matters corresponding to the repayment institution and the issuer may be entered as transaction conditions.

The transaction condition adjusting unit 133b may determine whether the value of the product according to the transaction condition registered by the first user is within an equal range of the value of the product the first user intends to trade.

The transaction condition adjusting unit 133b may request adjustment of the transaction condition input value when it is determined that there is a difference between the value of a product that the first user (seller) intends to sell and the product that the first user (seller) intends to acquire has a value greater than or equal to a reference value. Alternatively, when it is determined that the difference in value between products to be exchanged is equal to or greater than a reference value, the transaction condition adjusting unit 133b may suggest an amount of cash to be additionally paid by the other side, which is determined to be less valuable than one side. For example, when a user wants to trade a principal and interest receivable corresponding to a value of 10 million won with a principal and interest receivable worth 5 million won, the transaction condition adjusting unit 133b allows an additional transaction of 5 million won, which is the difference in value between the two parties. It may lead to changes in the terms of the transaction. Accordingly, the transaction condition adjusting unit 133b can support exchange of the same level of value when a transaction is made by exchanging products.

The transaction execution unit 133c checks the purchase request signal of the second user who wants to purchase the product registered as a product for sale (receipt of principal and interest), and determines that the second user has confirmed and agreed to the transaction conditions for the product. Then, you can proceed with the transaction for the product. At this time, the principal and interest receivables transaction may include a transaction in which one principal and interest receivables are exchanged for another type of principal and interest receivables, in addition to a transaction in which the principal and interest receivables are exchanged for cash.

According to various embodiments, when exchanging one principal and interest receivable for another type of principal and interest receivable, the transaction performing unit 133c searches for a principal and interest receivable corresponding to the transaction condition desired by the first user, and converts the principal and interest receivable into a transaction product. can present

In addition, when trading a product registered by one user (principal and principal receivable), the transaction execution unit 133c may transfer ownership to a second user who wants to purchase the product, and may perform an operation of paying the sales price from the second user. there is. When a transaction is made, the transaction execution unit 133c may provide transaction-related information such as ownership transfer information and payment information to the blockchain management unit 132 . Thereafter, the blockchain management unit 132 may record transaction-related information in a blockchain transaction.

In addition, the transaction execution unit 133c can check previous transaction information for products that have been previously verified and managed through the blockchain, and can conduct transactions with other users based on this.

In short, the integrated transaction system according to an embodiment of the present invention is composed of a server and a user device, and the user device purchases a first user device requesting the sale of principal and interest receivables owned previously and purchasing the principal and interest receivables registered for sale. and a requesting second user device, wherein the server, upon receipt of a request for selling the principal and interest receivables owned by the user from the first user device, authenticates the transaction suitability of the principal and interest receivables, and the transaction suitability is verified. The principal and interest receivables are registered for sale on the trading platform, and upon receipt of a request for purchase of the principal and interest receivables registered on the trading platform from the second user device, the payment of the sales amount and ownership transfer of the principal and interest receivables can be performed. there is.

At this time, the server may include a transaction asset authentication unit that determines the transaction suitability of principal and interest receivables that the user wants to trade and certifies them as tradable assets.

Specifically, the transaction asset authentication unit acquires issuance information including the issuer of the principal and interest receivables that the user registers on the trading platform and the issuance number of the principal and interest receivables that the user wants to trade, and the obtained issuance information is a valid asset that has not been forged or altered. Issuer verification unit that determines the suitability of the transaction by checking whether or not the transaction is appropriate, searches the history of fraudulent transaction attempts of the user requesting the sale of principal and interest receivables, and determines whether the user is a bad user with a history of fraudulent transaction attempts. It may include an owner verification unit that determines the transaction suitability of the product. In addition, the transaction asset authentication unit receives asset information of the principal and interest receivables from a user who wants to sell the principal and interest receivables and evaluates the value of the principal and interest receivables numerically. Including information on the repayment period and issuer, and determining the possibility of delinquency of the product based on the delinquency history information of each issuer of the principal and interest receivables already held, the asset value of the product decreases as the number of delinquencies increases It may include an asset value confirmation unit that evaluates.

In addition, the server performs blockchain-based management of the principal and interest receivables for which transaction suitability has been certified, and when the principal and interest receivables whose transaction suitability is certified are sold on the trading platform, information on changing the owner of the principal and interest receivables and the transaction price It may include a blockchain management unit that records transaction information including information in a blockchain transaction corresponding to the principal and interest receivable.

When the principal and interest receivables are requested to be sold by the first user, the server verifies the transaction suitability of the principal and interest receivables and registers them as sales products on the trading platform, and when the purchase request is confirmed from the second user, the principal and interest receivables are traded. A transaction support unit may be included to settle an amount corresponding to a condition, provide the first user with the payment, and provide ownership of the principal and interest receivable to the second user.

And the transaction support unit obtains and confirms transaction conditions including sales price information and exchange target information of principal and interest receivables registered in the transaction platform for sale from the first user device, and a transaction condition confirmation unit for confirming the principal and interest to be repaid later. Comparing the value of the principal and interest receivables calculated based on the amount and possibility of overdue with the transaction conditions input from the first user device, and requesting the first user device to adjust the transaction conditions if it is determined that there is a gap above the standard value As the request for purchase of principal and interest receivables is confirmed from the transaction condition adjustment unit and the second user device, the transaction price of the principal and interest receivables from the second user is provided to the first user, and the principal and interest received from the first user and a transaction execution unit that performs a transaction operation of changing the ownership of the rights to the second user.

Although the present invention has been described in detail with reference to the foregoing examples, those skilled in the art may make alterations, changes, and modifications to the examples without departing from the scope of the present invention. In short, it is not necessary to separately include all the functional blocks shown in the drawings or follow all the steps shown in the drawings in the order shown in order to achieve the intended effect of the present invention, even if not, the technical skills of the present invention described in the claims Note that it may fall within the range.

100: server
110: Communication Department
120: storage unit
130: control unit
131: transaction asset authentication unit
131a: issuer confirmation unit
131b: owner verification unit
131c: asset value confirmation unit
132: Blockchain management department
133: transaction support department
133a: Transaction conditions confirmation unit
133b: transaction conditions adjustment unit
133c: transaction execution unit

Claims (1)

In a system composed of a server and a user device,
The user device
A first user device requesting the sale of principal and interest receivables already owned and a second user device requesting the purchase of principal and interest receivables registered for sale,
The server
a transaction asset authentication unit that determines the transaction suitability of principal and interest receivables that the user intends to trade and certifies them as tradable assets; and
Blockchain-based management is performed for the principal and interest receivables with transaction suitability certified, and when the principal and interest receivables with transaction suitability certified are sold on the trading platform, the owner change information and transaction price information of the principal and interest receivables A blockchain management unit that records transaction information in a blockchain transaction corresponding to the principal and interest receivable; including,
When a request for selling the principal and interest receivables owned by the user is received from the first user device, the transaction suitability of the principal and interest receivables is authenticated, and the principal and interest receivables whose transaction suitability is verified are registered for sale on the trading platform. Upon receiving a request for purchase of the principal and interest receivables registered in the trading platform from the second user device, performing the payment and transfer of ownership of the sales amount of the principal and interest receivables;
The transaction asset authentication department
The user registers on the trading platform to obtain issuance information including the issuance number of the principal and interest receivables issued by the issuer of the principal and interest receivables to be transacted, and transaction by checking whether the obtained issuance information is a valid asset that has not been forged or altered. Issuing entity confirmation unit that determines suitability;
Including, an owner verification unit that inquires a user requesting the sale of principal and interest receivables and determines the suitability of the transaction based on whether the user is a bad user with a history of fraudulent transaction attempts;
Check whether the financial asset requested for transaction has been forged or falsified and whether the redemption date has expired;
The owner verification unit,
Determining whether a user is a bad user by inquiring the fraudulent transaction history confirmed at the time of the user's sale and the history of the fraudulent transaction confirmed at the time of the user's purchase;
If the information of the owner of the principal and interest receivables is identified as being scheduled to change, the seller's request to sell the principal and interest receivables is restricted;
The issuer confirmation unit,
Based on the identity authentication information of the user who has signed up as a member, principal and interest receivables held by the user who has signed up as a member are acquired from each affiliated investment company to obtain details of principal and interest receivables held by the user who has joined as a member and investment portfolio information information and issuer information;
The transaction asset authentication department
The asset information of the principal and interest receivables is received from the user who wants to sell the principal and interest receivables, and the value of the principal and interest receivables is evaluated numerically. contains information about
An asset value confirmation unit that determines the possibility of delinquency of the product based on the delinquency history information of each issuer of the principal and interest receivables already held, and evaluates the asset value of the product by decreasing it as the probability of delinquency increases. Integrated trading system of principal and interest receivables made by

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