KR20180115402A - P2p funding system on block chain, and method thereof - Google Patents

Abstract

The present invention relates to a blockchain-based P2P funding system using virtual money and a method therefor. The P2P funding system comprises: a borrower terminal for delivering loan request information including a loan request amount to a P2P funding server; a P2P funding server for generating an electronic wallet collecting a virtual money loan for the loan request information delivered from the burrower terminal, generating an investment product for the requested loan request amount to announce the same, accepting reservations of investment for the investment product, and executing the investment to complete the same; a plurality of investor terminals for reserving investment for the investment product generated in the funding server and depositing a virtual money balance in the electronic wallet; a virtual money exchange for announcing a market price of the virtual money and exchanging the virtual money to the borrower terminal and the investor terminals; and a virtual money issuer for issuing virtual money to exchange the issued virtual money with the virtual money exchange. Therefore, according to the present invention, advantages of each of P2P funding and virtual money are combined to provide a loan with a low interest rate to a borrower and to stably provide an opportunity for profit according to investment for virtual money in addition to interest profit, thereby providing an opportunity for increasing personal property.

Description

FIELD OF THE INVENTION [0001] The present invention relates to a P2P funding system and a method thereof,

The present invention relates to a block-chain-based P2P funding system and a method thereof, and more particularly, to a P2P funding system and a method thereof using a block chain-based virtual money together with a legal currency used in the real world.

Fintech is a combination of Finance and Technology, which refers to a new form of financial services based on IT technology. From the viewpoint of financial customers, the PinTech industry is a new industry that can reduce commissions, increase the ease of use of services, and enable easy access to services.

Existing financial companies have recognized the limitations of the traditional financial market profit model, such as the limited growth of bank loan profit due to the stagnation of the financial market after the global financial crisis and the deterioration of profitability due to the decrease in securities trading value, .

In addition, since the introduction of smartphones, the time / space limitations on PCs have been resolved due to mobile, and the mobile consumer market has exploded with the ability to purchase goods anywhere, anytime for 24 hours. With the development of convergence technology, the range of services is expanding through settlement, remittance, loan and asset management. Among them, P2P loan (Peer-to-Peer Lending) is the representative service.

A P2P loan is a system in which a company or an individual enters into a lending contract directly through an online platform without going through an existing financial institution. It provides loans at a low interest rate to borrowers with a lower operating cost than existing lending systems. To be guaranteed. This is equivalent to loaned Crowd Funding and is also called Social Lending in that it utilizes the Social Networks service.

For example, a P2P funding server is composed of a borrower terminal, a P2P funding server, an investor terminal, and a savings / local bank server. The borrower requests the P2P funding server to make a loan application for a contract to commit the guarantee. The investor terminal sends a security deposit request to the P2P funding server. The P2P funding server deposits the guarantee to the savings / local bank server and concludes the guarantee contract. The savings / local bank server executes the loan to the borrower terminal. When the borrower terminal repay the principal to the savings / local bank, the savings / local bank repays the principal to the P2P funding server. The P2P funding server repays the commission to the investor. Savings / local banks will repay the mortgage to investors at the end of the principal repayment.

Generally, P2P loans are unsecured loans, and if the loan can not be repaid on time, there is a disadvantage that investors lose a lot of money. Therefore, there are various legal restrictions, including ways to limit investment amount to protect investors.

However, due to legal restrictions, there is only limited interest income on small investment.

A block chain is a technology in which a participant who participates in a network records and manages a ledger in which transaction information is recorded is distributed to a P2P network instead of a central server of a specific organization. The existing system has a reliable central manager, such as banks and exchanges, to establish and settle bilateral transactions and keep transaction records, but the block chain ultimately makes the role of such a central manager unnecessary and reduces the infrastructure cost of the system , And the more integrity of the data is increased as the number of participants in the block chain increases.

Since various virtual currencies are proposed based on such a block chain, a system using a block chain-based virtual currency performs transaction recording and approval through distributed policy technology in comparison with existing currency and payment means. There is no third trust authority, and instead, the transaction ledger is distributed and stored in the P2P network, and all the participants perform the recording and approval jointly. Use your own monetary unit and your relative prices will fluctuate. It can be exchanged with a legal currency at a virtual currency exchange, etc. The relative price varies according to demand and supply. Anyone, such as an individual or a store, can join the P2P network without any additional registration, and they can use it freely. On the other hand, existing payment methods (virtual money, credit cards, etc.) can be used only for merchants registered with the issuing institution or the central management agency.

Virtual currencies based on block chains are currently being used to form payment, remittance and R & D-oriented markets, but the field of use will be more diverse.

Korean Patent No. 10-0773295

(2015). A study on PinTech industry trends and major business models. Journal of Korea Multimedia Society, 19 (1), 1-8.

The present invention relates to a P2P funding system that uses a block chain-based virtual currency so that investors can profitably earn interest income and virtual money investment by using block chain-based virtual money in addition to the legal currency used in the real world, and The present invention is directed to providing a method for providing a service to a user.

According to another aspect of the present invention, there is provided a P2P funding system using block chain-based virtual money, comprising: a borrower terminal for transmitting loan request information including a loan request amount to a P2P funding server; A P2P funding server for generating an electronic wallet for collecting virtual money loans for loan request information received from the borrower terminal, generating and informing an investment item corresponding thereto, and reserving, executing, and finishing an investment for the investment item; A plurality of investor terminals that reserve an investment for the investment product created by the funding server and deposit a virtual money deposit in the electronic wallet; A virtual money exchange for informing a nick of the virtual currency and exchanging the virtual money to the borrower terminal and the plurality of investor terminals; And a virtual money issuing station for issuing virtual money and exchanging with the virtual money exchange.

According to another aspect of the present invention, there is provided a P2P funding server using block chain-based virtual money, comprising: a loan request receiver for receiving loan request information including a loan request amount from a borrower; A virtual money loan corresponding to the loan request amount is checked and calculated through a virtual money exchange to generate an electronic wallet for collecting the virtual money loan, an investment item for the requested loan request information is generated, An investment management unit for informing a plurality of investor terminals of information on investment products; An investment information receiver for receiving virtual money deposits from the plurality of investor terminals in the electronic wallet and receiving reservation information on the investment products, respectively; The virtual money deposit deposited in the electronic wallet is transferred to the borrower terminal as a virtual money loan, and the receipt right for each virtual money deposit is transmitted to each of the plurality of investor terminals to complete the reservation for the investment goods Investment Executive; The virtual money reimbursement amount is calculated by applying a price of the virtual currency at the redeeming point to the borrower terminal and is notified to the borrower terminal and the virtual money reward is received from the borrower terminal and allocated to the plurality of investor terminals, And a reimbursement executing unit for making a reimbursement.

According to another aspect of the present invention, there is provided a P2P funding method using block chain-based virtual money, comprising the steps of: (a) receiving loan request information including a loan request amount from a borrower terminal; (b) a virtual money loan corresponding to the loan request amount is checked and calculated through a virtual money exchange to generate an electronic wallet for collecting the virtual money loan, and an investment product for the requested loan request information And informing the plurality of investor terminals of the information on the investment product; (c) receiving virtual money deposits from the plurality of investor terminals in the electronic wallet and receiving reservation information on the investment goods; (d) adding the virtual money deposits deposited in the electronic wallet to the borrower terminal as a virtual money loan, and transmitting a receipt for each virtual money deposit to each of the plurality of investor terminals, ; (e) calculating a virtual money reimbursement amount to which a virtual money price at a redeeming point is applied to the borrower terminal, and informing the borrower terminal of the virtual money reimbursement money received from the borrower terminal and allocating the virtual money reward money to the plurality of investor terminals, To each of the terminals.

According to various aspects of the present invention, the advantages of P2P funding and virtual money are fused to provide an opportunity for investors to increase their personal wealth by stably providing a profit opportunity by investing in virtual money together with interest income. Furthermore, the number of types of virtual money is increasing, providing investors with various investment opportunities.

1 is a configuration diagram of a P2P funding system using a block chain-based virtual currency according to an embodiment of the present invention;
FIG. 2 is a configuration diagram of the P2P funding server of FIG. 1,
FIG. 3 is a flowchart of a method of executing a loan of block-chain-based P2P funding according to an embodiment of the present invention;
4 is a flow diagram of a method for reimbursement of block-chain-based P2P funding in accordance with an embodiment of the present invention.

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

Hereinafter, embodiments of the present invention will be described in order to facilitate understanding of the present invention, and the present invention is not limited to these embodiments. In particular, the present invention can be configured by combining at least any one of individual components, individual functions, or individual steps included in each embodiment.

Each embodiment according to the present invention uses statutory currency and virtual currency, and describes definition and discrimination according to legal currency and virtual currency.

The statutory currency is the United States Dollar, US Dollar, European Union EUR, JPY, CNY, Hong Kong HKD, UK GBP, Australian AUD, Chile CLP, Danish DKK, Brazilian BRL, South African ZAR and Russian RUB. It may include all currencies for which a compulsory ability has been granted.

The virtual money may include all the virtual money circulated such as Bitcoin, Ethereum, Ripple, Litecoin, and Zetcash.

In the present invention, all the words having the first word as virtual money are distinguished from legal currency by being composed of virtual money.

FIG. 1 is a block diagram of a P2P funding system using a block chain-based virtual money according to an embodiment of the present invention. A virtual money exchange 40 and a virtual money issuing station 50. [ The communication network 1 may be a single or a combination network that enables the borrower terminal 10, the P2P funding server 20, the investor terminal 30, and the virtual money exchange 40 to communicate with each other via a network.

The borrower terminal 10 is a terminal used by a borrower and has a borrower's electronic wallet and performs a function of requesting a P2P funding server 20 for a loan for a loan request amount. In this case, the borrower is the first owner of the property as a person who abstains, such as preservation when the building is completed with all the rights and responsibilities of the real estate development project. Therefore, the landlord and the building are selected as collateral It is possible to raise credibility for investors. The borrower may also be the owner of the land and building, and the borrower may include the owner who owns the land and the building and other collateral.

The P2P funding server 20 confirms and calculates a virtual money order through the virtual money marketplace 40 based on the virtual money loan corresponding to the loan request amount requested from the borrower terminal 10, Create a wallet. Also, the P2P funding server 20 generates an investment product for the requested loan request amount and notifies it to a plurality of investor terminals. The P2P funding server 20 receives the virtual money deposit for the investment product from the investor terminal 30 which has been informed of the investment deposit. If the sum of the virtual currency deposits deposited in the electronic wallet is equal to the virtual currency loan, the P2P funding server executes the loan. The P2P funding server can confirm the quotation of the virtual money exchange 40 immediately before the execution of the loan and obtain the agreement of the investor terminal 30 making the investment reservation with the borrower terminal 10. [ The P2P funding server distributes the virtual money reimbursement money redeemed from the borrower terminal 10 to the investor terminal 30,

The investor terminal (30) is a terminal used by an investor. The investor terminal (30) has an investor electronic wallet and pre-stores the virtual money to be invested in the investor electronic wallet. The investor terminal 30 holds the virtual money exchanged through the virtual money exchange 40 before the investment reservation in its own electronic wallet. Upon receiving information on the investment product created by the P2P funding server 20, the investor terminal 30 deposits a portion of the virtual money held in the investor electronic wallet as an virtual money deposit in the electronic wallet corresponding to the investment product, Make a reservation. The investor terminal 30 also distributes the virtual money reward corresponding to the deposited virtual money deposit to the investor electronic wallet through the P2P funding server 20. [

The virtual currency issuing station 50 is a place for issuing virtual money.

The virtual money exchange 40 notifies the price of the virtual money and performs a function of exchanging the virtual money to the borrower terminal 10 and the one or more investor terminals 30. [ In the present invention, any type of virtual money exchange (40) is possible, in which the price of one or more virtual currencies is announced and the exchange of one or more virtual currencies is made possible. When the borrower terminal 10 requests the virtual currency exchange 40 to exchange the legal currency with the virtual currency, the virtual currency exchange 40 transfers the virtual currency to the borrower's electronic wallet in consideration of the price of the virtual currency. When at least one investor terminal requests the virtual money exchange 40 to exchange the legal money with the virtual money, the virtual money exchange 40 transfers the virtual money to the investor electronic wallet considering the price of the virtual money. When the virtual currency exchange 40 lacks the virtual currency, the virtual currency exchange 40 converts the legal currency into the virtual currency through the virtual currency issuing station 50 to secure the amount of the virtual currency.

Fig. 2 shows an example of the configuration of the P2P funding server 20 of Fig.

2, the P2P funding server 20 includes a loan request receiving unit 21, an investment information receiving unit 23, an investment management unit 25, an investment management unit 27, and a reimbursement execution unit 29 .

The loan request receiving unit 21 receives the loan request information including the loan request amount from the borrower terminal 10. The loan request information may include income information, a hedge ratio, and the like. If the loan request information includes the collateral information, the collateral may be land, buildings, bonds, and the like.

The hedge ratio is a variance of the virtual currency reimbursement, a variance type in which the virtual money reimbursement fluctuates according to the currency exchange market, and a fixed ratio that fixes the virtual money reimbursement irrespective of the currency exchange rate.

Variable types can vary in the amount of virtual money repayments depending on the virtual currency exchange market. For example, if the virtual currency price at the time of the loan is 1, and the virtual money loan is 100, the virtual money reimbursement fee is 50 except for the interest when the virtual currency price at the time of repayment is 2.

Fixed type does not change the amount of virtual money money according to the virtual currency exchange market. For example, if the virtual currency price at the time of the loan is 1 and the virtual money loan is 100, even if the virtual currency price at the time of the repayment fluctuates to 2, the virtual money repayment amount is 100 except interest.

Mixed type is a mixture of fixed type and variable type at a certain ratio. For example, if the virtual currency price at the time of the loan is 1, the hedge rate is fixed at 60% and the variable type at 40%. If the virtual currency loan is 100, when the virtual currency price at the time of repayment is 2, Is the sum of 60 fixed and 20 variable.

The investment management unit 25 calculates a virtual money loan corresponding to the loan request amount received from the borrower terminal 10 through the virtual money exchange 40 and generates an electronic purse for collecting the virtual money loan. Also, the investment management unit 25 generates an investment product for the requested loan request amount, and informs the plurality of the investor terminals 30 of the investment commodity information.

The information on the investment product may include information on the borrower's creditworthiness, virtual money loans, and virtual money repayments. It may also include more information about the collateral.

The information on the virtual money redeeming amount includes the hedge ratio received from the loan request receiving unit 21. The investment management unit 25 can increase the reliability by informing the investor of the reliability of the investment commodity including the information on the creditworthiness of the investor in the information of the investment commodity. It may provide the investor with high reliability of the product.

In addition, the investment product may be a mortgage-backed bond, a land-secured bond, or an unsecured investment product based on the creditworthiness of the borrower.

The investment information receiving unit 23 deposits each virtual money deposit from the plurality of investor terminals 30 in the electronic wallet, and receives the reservation information for each investment product. The respective virtual money deposits deposited from the plurality of investor terminals 30 can be both the same amount and different amounts.

When the sum of the virtual money deposits accumulated in the electronic wallet is equal to the virtual money loan, the investment execution unit 27 transmits all the virtual money deposits deposited in the electronic wallet to the borrower terminal 10 as a virtual money loan Complete the reservation for investment products. For example, when the sum of the virtual money deposits deposited when the virtual money loan to be collected is 1000 is 1000, the investment executor 27 delivers 1000 deposited in the electronic wallet to the borrower terminal 10, Complete the reservation for the item.

When the investment management unit 27 completes the reservation for the investment product, the investment management unit 27 may divide the receipt for the virtual money reimbursement money and deliver it to the investor terminal 30 that has reserved the investment. A right of receipt may be given in the form of secured or unsecured bonds as a right to repayment.

Immediately before the virtual money loan is transferred to the borrower terminal 10 to complete the reservation for the investment product, the investment management unit 27 confirms the quotation through the virtual money exchange 40, and the borrower terminal 10 and a plurality of investors It is preferable to provide the virtual money market information to the terminals 30 and to receive information on the investment for the investments from the borrower terminal 10 and the investor terminals 30. [ At this time, if the investment executor 27 cancels the investment product and receives the information including non-business information from the borrower terminal 10 and the plurality of the investor terminals 30, To each investor's electronic wallet, and automatically refund the money.

The reimbursement executing unit 29 confirms the price of the virtual currency through the virtual money exchange 40 immediately before the redeeming time, calculates the virtual money reimbursement to which the virtual currency is applied, and informs the borrower terminal 10 of the virtual money reimbursement amount do. The reimbursement execution unit 29 receives the virtual money redeemed from the terminal of the borrower and distributes the redeemed money to each electronic wallet of each investor's terminal, and redeems the virtual money reimbursement money. The reimbursement executing unit 29 may receive a request for calculating the virtual money reimbursement amount from the borrower terminal 10 and calculate the virtual money reimbursement amount.

Hereinafter, with reference to FIG. 3, a method of executing a loan of P2P funding using a block chain-based virtual currency according to an embodiment of the present invention will be described step by step.

The borrower terminal 10 transmits the loan request information including the loan request amount to the P2P funding server 20 (S100).

The P2P funding server 20 requests the virtual currency exchange 40 for the virtual currency quote information (S101), receives the virtual currency quote information (S103), and transmits the virtual money loan corresponding to the loan request amount transferred to the virtual money exchange Based on the ticker information (S105).

The P2P funding server 20 generates an electronic purse for collecting the virtual money loan, generates an investment item for the requested loan request amount (S111), and informs the plurality of the investor terminals 30 of the investment goods information ( S113).

The investor terminals 30 hold the virtual money exchanged through the virtual money exchange 40 before the investment reservation in the own electronic wallet.

The P2P funding server 20 receives the reservation information about the investment product (S115). The reservation information may include information about a virtual money deposit. At this time, the P2P funding server deposits the virtual money deposit included in the reservation information in the electronic wallet.

When the virtual money loan is collected in the electronic wallet, the P2P funding server 20 sends the virtual money loan to the borrower terminal 10 (S125). Then, the P2P funding server 20 can divide the receipt for the virtual money reimbursement money to the investor terminal 30 that has reserved the investment and deliver it.

The borrower terminal 10 requests the virtual currency exchange 40 to exchange the transferred virtual money loan money with the legal currency (S127), and receives the exchange of the virtual money loan money into the legal currency (S129).

Although not shown in FIG. 3, when the virtual money loan is collected in the electronic wallet, the P2P funding server 20 calculates the virtual money loan immediately before sending the virtual money loan to the borrower terminal 10, It is possible to notify all investor terminals 30 who have made an investment reservation by confirming the difference in the market price, and can confirm the investment agreement.

When the investment agreement is received from all the investor terminals 30 that have made an investment reservation, the P2P funding server 20 can remit all the virtual money deposits deposited in the electronic wallet to the borrower terminal 10.

When the non-mobile information is received from an arbitrary investor terminal 30 of the investor terminal 30 that has reserved the investment, the P2P funding server 20 cancels the investment product and the investor terminal 30, Each virtual deposit deposited in the wallet can be transferred to each investor's wallet for automatic lending processing.

Hereinafter, a method of reimbursement of P2P funding using block chain-based virtual money according to an embodiment of the present invention will be described step by step with reference to FIG.

The P2P funding server 20 requests the virtual currency exchange 40 for virtual currency quote information (S201), receives the virtual currency quote information (S203), and calculates the virtual money repayment fee based on the virtual currency quote information (S205 ).

The P2P funding server 20 notifies the borrower terminal 10 of the calculated virtual money reimbursement (S207).

The borrower terminal 10 requests the exchange of the legal currency to the virtual currency through the virtual currency exchange 40 (S209), and the virtual money is exchanged into the virtual currency to hold the virtual currency in the banker's wallet (S211).

The borrower terminal 10 redeems the virtual money reimbursement money to the P2P funding server 20 (S213), and the P2P funding server 20 allocates a virtual money reimbursement fund to a plurality of investor terminals (S215).

The P2P funding server 20 requests the virtual money repayment calculation from the borrower terminal 10 to request the virtual money quote information (S201), receives the virtual money quote information (S203), and calculates the virtual money repayment fee (S205) It is possible.

The foregoing description is merely illustrative of the technical idea of the present invention, and various changes and modifications may be made by those skilled in the art without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed in the present invention are not intended to limit the scope of the present invention but to limit the scope of the technical idea of the present invention. It is intended that the present invention cover the modifications and variations of this invention provided they come within the scope of the appended claims and their equivalents.

1: Network
10: Borrower terminal
20: P2P funding server
30: Investor terminal
40: Virtual Currency Exchange
50: Virtual currency issuing office

Claims (8)

A P2P funding system using block chain-based virtual currency,
A borrower terminal for transmitting loan request information including a loan request amount to a P2P funding server;
An electronic wallet for collecting a virtual money loan for the loan request information transmitted from the borrower terminal is generated, an investment product for the requested loan request amount is generated and announced, and the investment for the investment product is booked, P2P funding server;
A plurality of investor terminals that reserve an investment for the investment product created by the funding server and deposit a virtual money deposit in the electronic wallet;
A virtual money exchange for informing a nick of the virtual currency and exchanging the virtual money to the borrower terminal and the plurality of investor terminals;
And a virtual currency issuing unit for issuing virtual money and exchanging with the virtual money exchange. The method according to claim 1,
Wherein the borrower terminal and the plurality of investor terminals each include an electronic purse and the plurality of investor terminals hold the virtual currency exchanged through the virtual money exchange before the investment reservation in the electronic wallet of the borrower terminal P2P funding system using block chain - based virtual currency. As a P2P funding server using block chain-based virtual currency,
A loan request receiver for receiving loan request information including a loan request amount from a borrower terminal;
A virtual money loan corresponding to the loan request amount is checked and calculated through a virtual money exchange to generate an electronic wallet for collecting the virtual money loan, an investment item for the requested loan request information is generated, An investment management unit for informing a plurality of investor terminals of information on investment products;
An investment information receiver for receiving virtual money deposits from the plurality of investor terminals in the electronic wallet and receiving reservation information on the investment products, respectively;
The virtual money deposit deposited in the electronic wallet is transferred to the borrower terminal as a virtual money loan, and the receipt right for each virtual money deposit is transmitted to each of the plurality of investor terminals to complete the reservation for the investment goods Investment Executive;
The virtual money reimbursement amount is calculated by applying a price of the virtual currency at the redeeming point to the borrower terminal and is notified to the borrower terminal and the virtual money reward is received from the borrower terminal and allocated to the plurality of investor terminals, And a reimbursement executive unit that redeems the remainder of the remainder of the remainder. The method of claim 3,
Wherein the investment management unit includes a variance type in which the virtual money repayment amount fluctuates in accordance with the currency exchange time at the repayment point and a fixed ratio type in which the virtual money repayment amount is fixed irrespective of the exchange time point at the repayment point Wherein the server is a P2P funding server using block chain-based virtual currency.
The method of claim 3,
Wherein the investment commodity generated by the investment management section is a secured bond or an unsecured bond, and the P2P funding server using the block chain-based virtual money. As a P2P funding method using block chain-based virtual currency,
(a) receiving loan request information including a loan request amount from a borrower terminal;
(b) a virtual money loan corresponding to the loan request amount is checked and calculated through a virtual money exchange to generate an electronic wallet for collecting the virtual money loan, and an investment product for the requested loan request information And informing the plurality of investor terminals of the information on the investment product;
(c) receiving virtual money deposits from the plurality of investor terminals in the electronic wallet and receiving reservation information on the investment goods;
(d) adding the virtual money deposits deposited in the electronic wallet to the borrower terminal as a virtual money loan, and transmitting a receipt for each virtual money deposit to each of the plurality of investor terminals, ;
(e) calculating a virtual money reimbursement amount to which a virtual money price at a redeeming point is applied to the borrower terminal, and informing the borrower terminal of the virtual money reimbursement money received from the borrower terminal and allocating the virtual money reward money to the plurality of investor terminals, And re-paying each of the terminals to the P2P funding method. The method according to claim 6,
In the step (b), the variance type in which the virtual money repayment amount fluctuates according to the exchange date at the repayment point and the fixed type ratio in which the virtual money repayment amount is fixed irrespective of the exchange time point at the repayment point is set as a hedge ratio, And the information is included in the information. The method according to claim 6,
Wherein the investment product generated in the step (b) is a security bond or an unsecured bond, the P2P funding method using a block chain-based virtual currency.

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