KR102658210B1 - Control method for providing purchase price using stablecoin and service computing device thereof - Google Patents

Abstract

The present invention relates to a service for providing purchase money by issuing a new stablecoin and providing a loan. More specifically, a control method and service for providing a new stablecoin issuance of an amount corresponding to the loan amount in order to lower or eliminate financing costs. It is about computing devices.
More specifically, the present invention, in a service computing device that provides purchase money for goods or services purchased by a buyer computing device within a loan limit, in a method of controlling a purchase money provision service using a stable coin, the buyer computing device Receiving at least one of information about the collateral and buyer information from the device; Receiving purchase information including the purchase price from at least one of the buyer computing device and the seller computing device; determining whether the remaining loan limit is within the loan limit to determine whether a new purchase is possible; And, if the new purchase is possible, requesting a virtual asset network to issue a stable coin and finally providing to the seller's computing device as the purchase price at least one of fiat currency that replaces the issued stable coin. It includes a control step.

Description

Control method and service computing device for purchase payment service using stablecoin {CONTROL METHOD FOR PROVIDING PURCHASE PRICE USING STABLECOIN AND SERVICE COMPUTING DEVICE THEREOF}

The present invention relates to a service that provides payment for purchases by issuing new stablecoins. More specifically, the control method and service computing provided to sellers by issuing new purchase funds in stablecoins to lower or eliminate financing costs. It's about devices.

The conventional purchase money provision service provides fiat currency to the buyer as a loan based on or corresponding to the buyer's information or collateral.

First, a collateral loan provides the buyer with a loan amount equivalent to the value of the collateral provided by the buyer. Due to the existence of collateral in these secured loans, there is no possibility that the servicer, the lender, will suffer losses due to non-repayment of the loan. For this reason, the terms of this loan are bound to be much better than those of credit loans.

In contrast, with a credit loan, the buyer must rely only on the law if the loan is not repaid, but even in this case, the risk of non-repayment cannot be avoided. For this reason, the loan terms, including loan interest rates, are very unfavorable compared to secured loans.

However, in both of these two purchase payment services, the loan interest rate is calculated by each lending institution, such as each bank, by reflecting the financing interest rate, which is the cost of borrowing or receiving purchase funds from outside, as well as various other cost factors and margins. Therefore, financing costs play a major role in increasing the loan interest rate in purchase payment services.

In order to solve this problem, the present invention provides a control method and service computing device for issuing new stable coins and providing them as purchase money in order to lower these financing costs.

Publication number 10-2020-0094061, published on the 8th and 6th, 2020 (Name: Control method for lending stablecoins and computing system for the same)

“What are MKR and DAI?”, written on August 19, 2019, https://url.kr/r2wvg1

The purpose of the present invention is to provide a control method and computing device for issuing new stablecoins and providing them as purchase money in order to reduce financing costs, which is the problem mentioned above.

The purpose of the present invention is to provide a control method and service computing device for receiving collateral as collateral, issuing new stablecoins within the loan limit corresponding to the collateral, and providing them as purchase money.

The purpose of the present invention is to provide a control method and service computing device for issuing new stablecoins based on purchaser credit, providing multiple purchase amounts to purchasers, and receiving repayment later.

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

In order to achieve the above or other purposes, according to one aspect of the present invention, in a service computing device that provides the purchase price for goods or services purchased by the buyer's computing device within the loan limit, a purchase payment service using a stablecoin is provided. A control method comprising: receiving at least one of information about collateral and buyer information from the buyer computing device; Receiving purchase information including the purchase price from at least one of the buyer computing device and the seller computing device; determining whether the remaining loan limit is within the loan limit to determine whether a new purchase is possible; And if the new purchase is possible, at least one of receiving a stablecoin by requesting a virtual asset network and fiat currency that replaces the issued stablecoin is finally provided to the seller's computing device as the purchase price. .

In the present invention, the loan limit is at least one of an amount corresponding to part or all of the value of the collateral based on information about the collateral and an amount corresponding to part or all of the buyer's credit based on the buyer information. to provide.

In the present invention, the stable coin is provided to be issued in an amount corresponding to the purchase price.

In the present invention, the remaining loan limit is provided by subtracting the purchase price from the loan limit.

The present invention provides that when the loan limit is set by an amount corresponding to part or all of the buyer's credit based on buyer information, the remaining loan limit is periodically restored to the loan limit at specific times.

The present invention further provides a step of receiving a repayment amount corresponding to the purchase price provided at a specific time from the purchaser's computing device.

The present invention provides for using some of the repayment loans to stabilize the value of stable coins.

The present invention provides a confirmation message for providing the purchase price to the buyer's computing device when the purchase price is provided to the seller's computing device.

The present invention provides that the loan limit is re-established by reassessing the value of the collateral or the buyer's credit.

The present invention includes the steps of receiving a compensation amount as interest on the loan amount from the borrower computing device; and providing part or all of the compensation amount to the virtual asset network or financial network as compensation or stabilization of the value of the stable coin.

The present invention relates to a service computing device that provides purchase money for goods or services purchased by a buyer computing device within a loan limit, and is connected to a seller computing device and the buyer computing device and connected to a financial network and a virtual asset network. Ministry of Communications; a storage unit for storing information about the loan amount; and a control unit that processes the information, wherein the control unit receives at least one of information about collateral and buyer information from the buyer computing device, and receives the purchase from at least one of the buyer computing device and the seller computing device. Receive purchase information including the price, determine whether the remaining loan limit is within the loan limit to find out whether a new purchase is possible, receive a stablecoin if the new purchase is possible, and receive a stablecoin issued above. Finally, at least one of the converted fiat currencies is provided to the seller's computing device as the purchase price.

In order to solve the above-described problems, the present invention has the effect of issuing new stablecoins and providing them as purchase money in order to reduce financing costs, which is the above-mentioned problem.

The present invention has the effect of receiving collateral as collateral, issuing new stablecoins within the loan limit corresponding to the collateral, and providing them as purchase money.

The present invention has the effect of issuing new stablecoins based on the purchaser's credit, providing multiple purchase amounts to the purchaser, and receiving repayment later.

Further scope of applicability of the present invention will become apparent from the detailed description that follows. However, since various changes and modifications within the spirit and scope of the present invention may be clearly understood by those skilled in the art, the detailed description and specific embodiments such as preferred embodiments of the present invention should be understood as being given only as examples.

1 is a block diagram of a service system according to an embodiment of the present invention.
Figure 2 shows control diagrams of a purchase money provision service system for executing a loan according to an embodiment of the present invention.
Figures 3 and 4 show screens for a purchase price provision service for a buyer according to an embodiment of the present invention.

Hereinafter, embodiments disclosed in the present specification will be described in detail with reference to the attached drawings. However, identical or similar components will be assigned the same reference numbers regardless of reference numerals, and duplicate descriptions thereof will be omitted. The suffixes “module” and “part” for components used in the following description are given or used interchangeably only for the ease of preparing the specification, and do not have distinct meanings or roles in themselves. Additionally, in describing the embodiments disclosed in this specification, if it is determined that detailed descriptions of related known technologies may obscure the gist of the embodiments disclosed in this specification, the detailed descriptions will be omitted. In addition, the attached drawings are only for easy understanding of the embodiments disclosed in this specification, and the technical idea disclosed in this specification is not limited by the attached drawings, and all changes included in the spirit and technical scope of the present invention are not limited. , should be understood to include equivalents or substitutes.

Terms containing ordinal numbers, such as first, second, etc., may be used to describe various components, but the components are not limited by the terms. The above terms are used only for the purpose of distinguishing one component from another.

When a component is said to be "connected" or "connected" to another component, it is understood that it may be directly connected to or connected to the other component, but that other components may exist in between. It should be. On the other hand, when it is mentioned that a component is “directly connected” or “directly connected” to another component, it should be understood that there are no other components in between.

Singular expressions include plural expressions unless the context clearly dictates otherwise.

In this application, terms such as “comprise” or “have” are intended to designate the presence of features, numbers, steps, operations, components, parts, or combinations thereof described in the specification, but are not intended to indicate the presence of one or more other features. It should be understood that this does not exclude in advance the possibility of the existence or addition of elements, numbers, steps, operations, components, parts, or combinations thereof.

1 is a block diagram of a purchase money provision service system according to an embodiment of the present invention.

According to the illustrated drawing, the purchase money provision service system 50 of the present invention includes a buyer computing device 53, a seller computing device 54, and a service computing device 51, which include a financial network 52a, a virtual It is connected to at least one of the asset networks 52b.

The service computing device 51 includes a control unit 51a, a storage unit 51b, a communication unit 51c, and a wallet 51d. The control unit 51a is a processor for executing the overall operation of the service computing device 51 and control operations according to the present invention. And the storage unit 51b stores information related to the loan according to the present invention and software for controlling the processor.

A service computing device may be composed of at least one computing device that cooperates with each other. In this case, the service computing device 51 may be configured by a peer-to-peer (P2P) network or a server-client model, or a combination of the two.

The communication unit 51c may exchange data with at least one of the buyer computing device 53 or the seller computing device 54 through the financial network 52a and the virtual asset network 52b. Accordingly, the buyer computing device 53 or the seller computing device 54 is connected to at least one of the financial network 52a and the virtual asset network 52b.

The wallet 51d is provided by the virtual asset network 52b and performs the function of storing and transferring coins, tokens, or stable coins. Additionally, this (51d) can request the issuance or incineration of stablecoins through the virtual asset network.

The financial network 52a refers to a conventional fiat currency-based network. For example, this may be provided as collateral with fiat-based real estate, bonds, fiat currency or securities of other countries, or information on the buyer's credit can be provided through user information.

On the other hand, the virtual asset network 52b can request storage, new issuance, or incineration of stablecoins under specific conditions through the wallet, or transfer stablecoins to another wallet. This network may be composed of multiple nodes as a peer-to-peer (P2P) network.

Coins, tokens, or non-fungible tokens (NFTs) such as Bitcoin, Ethereum, and Cardano are issued on virtual asset networks. .

And smart contracts are contract program codes that run on virtual asset networks such as the Ethereum or Cardano network. This is a contract code that is automatically executed according to conditions set in the virtual asset network. It also provides the ability to issue or burn tokens. Stablecoins can be newly issued or burned by these smart contracts or by specific wallets with the authority to issue additional coins. Smart contracts on the Ethereum network are mainly coded or written using the Solidity language.

As an example of a smart contract operating on the Ethereum network, uniswap (https://app.uniswap.org/) is a decentralized exchange (DEX) that provides the function of exchanging various coins or tokens. MakerDao (https://makerdao.com/ko/) provides loans by receiving various coins such as Ethereum as collateral and issuing DAI, a stablecoin whose value is pegged 1:1 to 1 US dollar. Provides collateral loan services. However, MakerDao can only provide virtual assets as collateral. Therefore, this service cannot use any collateral handled by conventional financial networks that exist outside of the virtual asset network.

Conventional purchase money provision services incur costs to raise funds from outside to provide loans to buyers, and these procurement costs had no choice but to be borne by the buyers. This was the main reason for the high interest rates in conventional purchase loan loans.

In this way, the loan service for purchase price for goods or services provided by conventional financial institutions such as banks has the problem of passing on all very large financing costs to the buyer. To put it simply, if you think for a moment that financial institutions' profits basically use deposit-loan margins, you can more easily understand financing costs.

The present invention provides a control method and service computing device for issuing new stablecoins in a virtual asset network and providing them as purchase money in order to solve these shortcomings that occur when lending conventional purchase money. The core idea of the present invention is to procure a loan for the purchase price by issuing new stablecoins in a virtual asset network and to ultimately provide the raised funds as a loan to the seller.

The service provider according to the present invention (this refers to a service computing device) issues a new stablecoin in the amount corresponding to the loan amount in the virtual asset network to eliminate the cost of borrowing the loan amount from outside. This has the effect of significantly lowering the cost of financing a loan.

In other words, when issuing a new stablecoin for a loan, a very small issuance cost may be incurred in the virtual asset network and there is no or little maintenance cost, so funding costs can be completely eliminated or greatly reduced.

All transactions regarding purchase price can be configured so that third parties can confirm them on the virtual asset network. In this way, others can easily check information about the total collateral of the stablecoin and the total amount issued based on this collateral. Here, information about the collateral can be provided to others in various forms, such as encrypting the information about the collateral and providing it to the virtual asset network and providing links to search for such information on the Internet. However, in this case, it may be done so that a third party can check whether the information on the collateral and the amount of issuance are consistent.

The present invention relates to a service computing device that provides purchase money for goods or services purchased by a buyer computing device within a loan limit, and is connected to a seller computing device and the buyer computing device and connected to a financial network and a virtual asset network. Ministry of Communications; a storage unit for storing information about the loan amount; and a control unit that processes the information, wherein the control unit receives at least one of information about collateral and buyer information from the buyer computing device, and receives the purchase from at least one of the buyer computing device and the seller computing device. Receive purchase information including the price, determine whether the remaining loan limit is within the loan limit to find out whether a new purchase is possible, receive a stablecoin if the new purchase is possible, and receive a stablecoin issued above. It is characterized in that it includes controlling to finally provide at least one of the legal tenders that have been changed to the seller's computing device as the purchase price.

Figure 2 shows a control diagram 120 of a purchase money provision service system for executing a loan according to an embodiment of the present invention.

The present invention provides a method and service computing device for controlling a purchase payment service using a stablecoin in a service computing device that provides purchase payment for goods or services purchased by a purchaser computing device within a loan limit.

The service computing device 51 according to the present invention includes a step of receiving at least one of information about collateral and information about the buyer from the buyer computing device (S120) and a step of receiving or calculating a loan limit based on this information (S120a). ) may include.

In the present invention, a loan limit is included when lending, and this can be determined based on information about the collateral, buyer information, or information related thereto. This information can be provided to the service computing device or virtual asset network by various conventional methods. This information is information about the collateral that serves as the basis for the newly issued stablecoin or information related to the buyer's credit, and can be provided for others to view or confirm. In this case, the buyer's personal information may be hidden from view.

Information about collateral may be fiat currency-based collateral. Information about collateral or user information may be provided to the virtual asset network 52b through the wallet 51d of the service computing device or may be provided to the service computing device through a conventional financial network.

The loan limit is characterized in that it is at least one of an amount corresponding to part or all of the value of the collateral based on information about the collateral and an amount corresponding to part or all of the buyer's credit based on the buyer information. .

This loan limit may further include at least one of finding the current value based on information about the collateral or buyer information and receiving or calculating the loan limit based on the found value. The loan limit can be implemented by imitating the method of finding the loan limit in conventional fiat currency. In other words, this kind of loan limit can be provided through a conventional financial network.

Such collateral value or buyer credit can be assessed by imitating the conventional method of evaluating collateral value or evaluating or obtaining buyer credit, respectively.

The value of the collateral or the buyer's credit may change over time. The service computing device may reevaluate the value of the collateral or the buyer's credit to reflect changes in the value of the collateral or changes in the buyer's credit.

In step S121, the control unit of the service computing device 51 may include receiving purchase information including the purchase price from at least one of the buyer computing device and the seller computing device.

Purchase information may be information including the purchase price for goods or services purchased by the buyer's computing device. Purchase information may be transmitted from at least one of the buyer's computing device or the seller's computing device. In the present invention, the purchase price refers to money paid to the seller in exchange for the purchased goods or services.

The buyer can pay the purchase price for multiple goods or services to the seller within the loan limit. To this end, the loan limit can be determined based on at least one of information about the collateral or information about the buyer.

In step S122, the control unit of the service computing device 51 includes a step of determining whether the remaining loan limit is within the loan limit in order to determine whether a new purchase is possible.

The remaining loan limit may be the loan limit minus the new purchase amount. In other words, it may be ‘remaining loan limit = loan limit – new purchase price’. Therefore, if the 'remaining loan limit' is greater than the new purchase amount, a stablecoin corresponding to the purchase amount can be issued and provided to the seller's computing device.

In Figure 2, information about collateral and buyer information is information based on conventional fiat currency. In the present invention, the service computing device will be able to determine whether a new purchase is possible by providing loans for multiple purchases to multiple sellers within a loan limit determined based on this information and deducting the amount from the loan limit.

In the present invention, the remaining loan limit is characterized in that the purchase price is subtracted from the loan limit.

For example, if the loan limit is 5 million won per month and the amount paid for purchases this month is 4 million won, the remaining loan limit is 1 million won.

And if the value of the collateral provided by the buyer is 10 million won and the loan limit is 7 million won, if the buyer used 5 million won for the purchase amount, the remaining loan limit is 2 million won.

In the present invention, the loan limit is re-established by re-evaluating the value of the collateral or the buyer's credit.

Whenever the value of the collateral or the buyer's credit is reevaluated after the loan, the reassessment information can be reflected in the loan limit. For example, if the loan limit was 30 million won and then increased to 35 million won by reevaluation of the buyer's credit, the loan limit can also be changed to 35 million won. The loan limit based on re-evaluation may be changed upon the buyer's request or may be changed automatically.

In step S123, the control unit of the service computing device 51 requests the virtual asset network (S123) to issue a stable coin (S123a) if the new purchase is possible, and exchanges the issued stable coin for legal currency. It is characterized by including the step of controlling at least one of (S123b) to be finally provided to the seller's computing device as the purchase price.

If a new purchase is possible, the purchaser is issued the purchase price in stablecoin. The stablecoin issued in this way can ultimately be transferred to the seller's computing device. Final means that the transfer is made directly or indirectly, but the final destination is the seller's computing device. That is, the purchase price may be provided to the seller's computing device via the buyer's computing device (Ss123d) or may be provided to the seller's computing device all at once (S123e).

The control unit 51a may request that the newly issued stablecoin be converted to fiat currency. This makes it inconvenient for most buyers to use or manage stablecoins in reality. As a result, newly issued stablecoins may be converted into fiat currency on exchanges and provided to buyers. These transactions can be made through centralized exchanges (CEX) or distributed exchanges (DEX) that can trade fiat currency and virtual assets at the same time, such as Upbit and Coinbase.

Providing a newly issued stablecoin to the seller 54 may mean providing the stablecoin directly or converting the issued stablecoin into fiat currency and providing this fiat currency.

The present invention may include a step (S123) of requesting a new stablecoin to be issued in a virtual asset network. This requesting step may be controlling the issuance of a stablecoin in the virtual asset network by a wallet (51d, which is a wallet provided in the virtual asset network) included in the service computing device.

In this step, stablecoins are issued and provided as loans to eliminate or reduce financing costs. In this way, if the service provider 51 raises funds by issuing a new stablecoin for the loan, it can achieve the effect of lowering or eliminating financing costs. Therefore, service computing devices have the effect of not having to pass on procurement costs to the buyer.

Stablecoins can be newly issued or burned through smart contracts on virtual asset networks such as the Ethereum network. Additionally, a specific wallet on a service computing device or a third-party computing device may be responsible for issuing and burning stablecoins. Burning refers to eliminating the amount of stable coins issued for loans and reducing the total issuance amount.

Fiat money refers to fiat currency guaranteed by a specific country and mainly circulated in that specific country. Therefore, the Central Bank Digital Currency (CBDC) issued by the country can also be included in legal tender.

In contrast, virtual assets issued in the private sector include coins whose prices change, such as Bitcoin and Ethereum, and stable coins whose prices are fixed, such as usdt, usdc, and tusd.

In the purchase money provision service of the present invention, it is desirable to maintain excess collateral as collateral. This collateral is subject to forced liquidation, and the value of the stablecoin can be pegging it by purchasing and burning the stablecoin with the liquidation money.

Virtual asset networks generally consist of multiple nodes or peers as a peer-to-peer (P2P) network. These nodes or peers can determine the validity of the stablecoin issuance information requested by the service computing device and then issue a new corresponding stablecoin in the virtual asset network if the request is valid.

It includes the step of controlling to finally provide the purchase price issued in the virtual asset network to the seller's computing device. Figure 2 shows steps (S123d, 123e) in which at least one of the buyer or seller computing device provides the purchase price. Even when the purchase price is paid through the buyer's computing device, the purchase price is ultimately provided to the seller's computing device.

Although not shown in Figure 2, stable coins issued in the virtual asset network can be provided to the service computing device and then provided back to the seller's computing device.

In the present invention, the stable coin is characterized in that it is issued in an amount corresponding to the purchase price.

Each time a purchase price is paid, a stablecoin corresponding to part or all of the purchase price may be issued and paid to the seller's computing device as the purchase price.

When providing the purchase price to the seller's computing device, the present invention further includes providing a confirmation message for providing the purchase price to the buyer's computing device.

When the service computing device directly transmits the purchase price to the seller's computing device (S123e), the service computing device may provide a confirmation message for providing the purchase price to the buyer's computing device.

Figure 3 shows a screen 130 for providing purchase money with stable coins according to an embodiment of the present invention.

This drawing shows that the purchaser 53 of a fiat-based real estate worth 1.1 billion won makes multiple purchases after providing information about the collateral to the service computing device 51. ) shows the information that the seller (54) issued a new stablecoin and provided it as the purchase amount.

This drawing is an example of a screen 130 where a buyer receives a loan limit corresponding to collateral and displays a number of purchase price information. The loan limit in this example is an amount equivalent to part or all of the value of the collateral based on information about the collateral provided by the buyer. This is an example in which the buyer receives a new stablecoin for each purchase within this loan limit and pays the purchase price to the seller. The current date of this drawing is February 3, 2022 (136).

This example is '1. Buyer Information'(131), '2. Information on collateral’ (132) and ‘3. Includes ‘stablecoin issuance details (total 214 cases)’ (133). Specifically, information Nos. 1 and 2 above include buyer information 131 and information about collateral 132. Number 3 above shows the details (133) of issuing stablecoins for an amount equivalent to the purchase price in order to eliminate or reduce financing costs.

Let’s look at the information in this example in detail. First, buyer information (131) is '1) Loan type: Stablecoin-based loan' (131a), '2) Loan method: Collateral loan' (131b), '3) Customer name: Great Kim' (131c) , '4) Total purchase price: KRW 5,300,300' (131d) and '5) Loan limit: KRW 700 million' (131e). The total purchase price refers to the total amount provided to the seller's computing device by issuing stablecoins for each purchase.

This is an example of purchase details in which the purchase price was provided to the seller within the loan limit (131e) based on collateral. It shows that the buyer, Great Kim, issued new stablecoins as a total of 214 purchases and provided them to the corresponding seller. The type of loan is a collateral loan, and the loan limit corresponding to the information about the collateral provided by the buyer is 700 million won and the total purchase price is 5,300,300 won.

These loans entrust assets that are not easily liquidated, such as real estate, as collateral to a service computing device, and each time the purchase price is paid within the loan limit determined by the value of the asset, a new stablecoin is issued and provided to the seller's computing device. It may be.

Second, information on collateral (132) is '1) Collateral: building/land, 11 Songpa-daero, Songpa-gu, Seoul' (132a), '2) Collateral valuation on January 3, 2020: KRW 1 billion' (132b), and '2) 2022.1. .3-day collateral valuation: KRW 1.1 billion’ (132c). This provides information on the value of the collateral provided as collateral. In this example, it is indicated that the collateral is a specific real estate 132a provided by the buyer. It is known that its first valuation was 1 billion won (132b), but later increased to 1.1 billion won (132c) through reassessment. In this example, the most recent valuation of the collateral is KRW 1.1 billion (132c), but the total purchase price equivalent to the loan is KRW 5,300,300 (131d).

Legal currency-based collateral may be collateral provided as collateral by a conventional financial system such as a bank, and may be representatively real estate or securities. The collateral provided in this way may further include a step of setting it as collateral. There are various ways to set up collateral as collateral depending on the nature of the collateral. This method can be implemented by imitating the method of setting up collateral in an existing secured loan.

The information 132 about collateral may be provided through a specialized agency dedicated to evaluating the value of collateral, or the valuation information may be provided through evaluation of the service computing device itself.

As mentioned above, the remaining loan limit, which is the limit for new purchases, is the loan limit minus the total purchase price. The remaining loan limit is deducted each time a purchase payment is made.

In contrast, the collateral provided by the buyer may be securities, etc. For example, if the buyer's collateral is Samsung Electronics stock, the value of this collateral can be measured immediately. Therefore, you can easily find out the loan limit.

If the total purchase price (131d) becomes similar to the loan limit (131e), forced liquidation may occur. This forced liquidation can be carried out by imitating conventional procedures.

In this way, the method of procuring a loan using a stablecoin according to the present invention has the effect of reducing the procurement cost at the time of loan to little or significantly. This is because the virtual asset network issues new stablecoins and provides them as loans. And when the liquidation amount for this loan is returned and liquidated, all stablecoins issued by this loan will be burned, thereby maintaining the soundness of the stablecoin system.

In one embodiment, when a buyer provides collateral, such as securities traded in real time, a portion of the collateral may be sold at specific times and provided as purchase price, or may be repaid all at once at a later time.

Third, in this example, the stablecoin issuance history (133) shows the recent four stablecoin issuances among a total of 214 (133) purchases of new stablecoins. Issuance details include issue date/issue amount and issue transaction number (133a~133d). As in this example, the total number of occurrences of purchase price is 214 (133) and the total purchase price is 5,300,300 won (131d).

In the present invention, the value of the collateral is characterized by maintaining excess collateral for the loan limit. Excess collateral refers to the value of collateral being 100 or more when the loan limit is 100, as mentioned above. For example, if the value of collateral is 100 million won and the loan limit is 50 million won, 50 million won is excess collateral. In this case, the collateral ratio is 200%.

In the example of Figure 3, the value of collateral is 1.1 billion won (132c), but the loan limit is 700 million won (131e), so the excess collateral amount is 400 million won. In the present invention, if excess collateral cannot be maintained or such risk occurs, the collateral can be forcibly liquidated and recovered as liquidation money. This can be implemented by imitating the liquidation process of a conventional secured loan and the method of maintaining excess collateral. The liquidation amount recovered in this way can be deposited as a reserve fund or the recovered stablecoin can be incinerated.

Figure 4 shows another screen 150 showing information about credit loans according to an embodiment of the present invention.

The above drawing is an example showing a screen 150 for postpayment that provides multiple purchase amounts in stable coins based on the buyer's credit. The loan in this example can be controlled so that the remaining loan limit is restored to the loan limit at specific times and the purchase price is provided to the seller within the remaining loan limit. The buyer can pay the seller multiple purchase amounts in response to multiple purchases within the remaining loan limit, which is recovered every month. The current date of this drawing is February 3, 2022 (156).

This example (150) is about a credit loan, and '1. Buyer Information' (151) and '2. Includes ‘stablecoin issuance details’ (152). Specifically, the information in number 2 above shows information on newly issued stablecoins within the monthly loan limit of 5 million won to eliminate or lower financing costs.

Let’s look at the information in this example in detail. First, buyer information (151) is '1) Loan type: Stablecoin-based loan' (151a), '2) Loan method: Credit loan' (151b), '3) Customer name: Great Kim' (151c) , '4) Credit card number: 4001-1000-2000-3001' (151d), '5) Loan limit: KRW 5,000,000/month' (151e), and '6) Amount used this month: KRW 3,777,00' (151f) ) includes.

In this example, the 'remaining loan limit' is restored to the loan limit of 5 million won at a specific time every month. Therefore, new purchases can be made again within the remaining loan limit recovered in this way.

This example includes a credit card number 151d. The buyer is issued a physical credit card and can receive goods or services on credit up to the remaining loan limit using this credit card.

Buyers can be provided with a loan limit determined by the buyer's credit. For example, the remaining loan limit can be restored to the loan limit every month. The purchase price paid by the buyer may be issued in stablecoin and provided to the seller.

The purchase price provision service of the present invention can provide the purchase price to the seller using various payment methods such as a credit card, QR code using a mobile terminal, NFC, or magnetic at the time of purchase. Buyers can receive multiple purchase payments on credit within the loan limit granted to them. Repayment for the provided purchase price can be provided to the service computing device at specific times. This kind of repayment can be imitated by a conventional deferred payment system using a credit card.

The present invention is characterized in that when the loan limit is set by an amount corresponding to part or all of the buyer's credit based on buyer information, the remaining loan limit is periodically restored to the loan limit at specific times. .

Loan limit refers to the limit of credit loans based on the credit of a specific buyer. The loan limit may be measured using various conventional methods and provided to the service computing device. The loan limit may be determined using the buyer's credit information, etc., as in conventional deferred payment.

This screen 150 is a credit loan, and the buyer information 151 displays the customer name 151c, credit card number 151d, and loan limit 151e. In this example, the number of the credit card provided to the buyer is displayed, and through this card, purchase money can be provided within the loan limit specified for the buyer at a specific time. In this case, the buyer can automatically pay the purchase price to the relevant seller using the credit card linked to the seller.

Therefore, the present invention can be implemented by imitating the control method and computing device of a conventional fiat currency-based credit card service. In addition to the credit card in this example, you can use various payment methods such as QR code, NFC, or magnetic. Buyers can respond to various purchases and receive new stablecoins corresponding to these purchases.

Second, the stablecoin issuance history (152) displays three issuance details for the goods or services purchased by the buyer and shows that the purchase price was issued in stablecoin. In other words, this example includes the issuance date/issue amount and issuance transaction number (152a to 152c) of the three recent stablecoins. These examples are ‘1) Issue date/issue amount: 2022.1.1, 10:00 / 5,000 won’, ‘Issuance transaction number (txid): 0x386420a28257ee684c5a640…’ ' (152a), '2) Issue date/issue amount: 2021.12.29, 14:07 / 3,000 won', 'Issuance transaction number (txid): 0x6836e034d48653feb82d1ab… ' (152b), '3) Issue date/issue amount: 2021.12.29, 13:20 / 5,000 won', 'Issuance transaction number (txid): 0x59f4eb2766c90315254dd67… ' (152c) is displayed.

The present invention is characterized by further comprising receiving a repayment amount corresponding to the purchase price from the purchaser's computing device.

The example in Figure 4 relates to a purchaser making a payment using a conventional credit card. The buyer can pay the purchase price for multiple purchases within the loan limit directly to the seller's computing device. In other words, this purchase price is used within the loan limit determined by the buyer's credit, and the buyer can later repay the debt to the service computing device at a specific time. In other words, the buyer can pay the debt to the service provider in arrears.

The present invention includes the steps of receiving a compensation amount as interest on the loan amount from the borrower computing device; and

and providing part or all of the compensation amount to the virtual asset network or financial network as compensation or to stabilize the value of the stable coin.

Here, value stability is achieved by storing part or all of the compensation amount as a reserve for the stable coin in at least one of the financial network or the virtual asset network, or incinerating part or all of the compensation amount in the virtual asset network. It is characterized by at least one of the following:

It can be used to increase the safety of the stablecoin network as a compensation amount provided as interest on credit loans for the purchase price paid by the buyer periodically or aperiodically. A service computing device can purchase a stablecoin with the compensation amount and burn it, or use this compensation amount as a reserve to increase the value of the stablecoin and increase its stability.

In the case of Figure 4, the compensation amount, which is part of the interest included in the repayment amount, can be provided at specific times every month for the purpose of stabilizing the stablecoin. If the compensation amount is sent in fiat currency, the stability of the stablecoin can be increased by depositing it as a reserve in a specific account related to the stablecoin of a conventional financial network. In this case, the value of the stablecoin can be increased by simply depositing this reserve as a reserve and not issuing new stablecoins.

When the service computing device deposits the compensation amount as a reserve, a periodic audit report on the same can be submitted and the report can be made public for third parties to view. This allows anyone to see that these reserves actually exist.

The present invention is characterized by using a portion of the above repayment amount to stabilize the value of stable coins.

In this example, like a credit card, a buyer can purchase goods on credit and then repay them later with a deferred payment. Accordingly, the purchaser may include steps in which the purchaser repays the debt periodically or aperiodically at specific times. This can mimic the repayment of a conventional credit card loan.

The example in Figure 4 does not indicate whether to convert stablecoins to fiat currency. However, as described above, it may further include the step of converting stablecoins into fiat currency. This converted fiat currency can be provided to the seller's computing device. Sellers can receive purchase money in stablecoins or fiat currency.

Additionally, if the compensation amount is sent to a stablecoin, the value of the stablecoin can be increased by depositing this stablecoin as collateral in a specific address or by incinerating it to reduce the total issuance of stablecoins.

Transparent information about the value of such collateral and the total amount of stablecoins issued can stabilize the price of stablecoins and distribute them as rewards to users who hold stablecoins.

The present invention relates to a service computing device (51) that provides a loan amount within the loan limit as a credit loan to a purchaser computing device (53) and receives the loan amount after a predetermined period of time, which is connected to the purchaser computing device (53). a communication department (51c) connected to the financial network (52a) and the virtual asset network (52b); a storage unit 51b for storing information about the loan amount; And a control unit (51a) that processes the information, wherein the control unit (51a) determines the loan amount corresponding to the loan limit in the virtual asset network (52b) in order to lower or eliminate the financing cost for the loan within the limit. The method is characterized in that the amount is controlled to issue a new stable coin, and the issued stable coin is controlled to be provided to the purchaser computing device 53 as the loan amount.

In the above, various embodiments of the control method and service computing device for providing the purchase price by issuing new stablecoins according to the present invention and providing the purchase price have been described, but this is explained as at least one embodiment. , This does not limit the technical idea, structure, and operation of the present invention, and the scope of the technical idea of the present invention is not limited/restricted by the drawings or the description referring to the drawings. In addition, the concept and embodiments of the invention presented in the present invention can be used by those skilled in the art as a basis for modifying or designing other structures to achieve the same purpose of the present invention. , Equivalent structures modified or changed by those skilled in the art to which the present invention pertains are bound to the technical scope of the present invention described in the claims, and do not depart from the spirit or scope of the invention described in the claims. Various changes, substitutions, and changes are possible within limits.

Claims (11)

In the method of controlling the purchase price provision service of a service computing device, which provides payment of the purchase price for goods or services purchased by the buyer computing device with a stable coin issued within the loan limit,
Receiving at least one of value information on fiat-based collateral provided from the buyer's computing device and credit information on the buyer;
Setting up collateral provided from the buyer's computing device as collateral;
Receiving purchase information including the purchase price from at least one of the buyer computing device and the seller computing device;
The loan limit is determined from at least one of the value information and the credit information,
determining whether the purchase price is within the remaining loan limit among the loan limits to determine whether a new purchase is possible; and
If the new purchase is possible, control that at least one of receiving a stablecoin by requesting a virtual asset network and converting the issued stablecoin into fiat currency is finally provided to the seller's computing device as the purchase price. Includes steps,
If the loan limit is set by an amount corresponding to part or all of the credit information, the remaining loan limit is periodically restored to the loan limit at specific times,
The loan limit is re-established by reassessing the value information of the collateral or the credit information,
When providing the purchase price to the seller's computing device, further comprising providing a confirmation message for providing the purchase price to the buyer's computing device,
The stablecoin is issued in an amount equivalent to the purchase price,
Characterized in that the remaining loan limit is an amount obtained by subtracting the purchase price from the loan limit,
Method of controlling purchase payment service using stablecoin.
According to clause 1,
The loan limit is at least one of an amount corresponding to part or all of the value of the collateral based on the value information and an amount corresponding to part or all of the buyer's credit based on the credit information.
Method of controlling purchase payment service using stablecoin.
delete delete delete According to paragraph 1,
Characterized in that it further comprises the step of receiving a repayment amount corresponding to the purchase price provided at a specific time from the purchaser's computing device,
Method of controlling purchase payment service using stablecoin.
According to clause 6,
Characterized by using a portion of the above repayment amount to stabilize the value of the stablecoin.
Method of controlling purchase payment service using stablecoin.
delete delete According to claim 1 or 2,
Receiving a compensation amount as interest on the purchase price from the buyer's computing device; and
Characterized in that it includes the step of providing part or all of the compensation amount to the virtual asset network or financial network as compensation or stabilization of the value of the stable coin,
Method of controlling purchase payment service using stablecoin.
In the service computing device that provides the buyer computing device to pay for the purchased goods or services with a stablecoin issued within the loan limit,
A communication unit connected to the seller's computing device and the buyer's computing device and connected to a financial network and a virtual asset network;
a storage unit for storing information about the purchase price; and
Including a control unit that processes the information about the purchase price,
The control unit,
Receiving at least one of value information on fiat-based collateral provided from the buyer's computing device and credit information on the buyer,
The collateral provided from the buyer's computing device is set as collateral,
Receiving purchase information including the purchase price from at least one of the buyer computing device and the seller computing device,
The loan limit is determined from at least one of the value information and the credit information,
To determine whether a new purchase is possible, determine whether the purchase price is within the remaining loan limit among the loan limits,
When the new purchase is possible, control so that at least one of receiving a stablecoin and converting the issued stablecoin into fiat currency is finally provided to the seller's computing device as the purchase price,
If the loan limit is set by an amount corresponding to part or all of the credit information, the remaining loan limit is periodically restored to the loan limit at specific times,
The loan limit is re-established by reassessing the value information of the collateral or the credit information,
When providing the purchase price to the seller's computing device, providing a confirmation message for providing the purchase price to the buyer's computing device,
The stablecoin is issued in an amount equivalent to the purchase price,
Characterized in that the remaining loan limit is an amount obtained by subtracting the purchase price from the loan limit,
Service Computing Device.