KR20190138936A - A program for processing information - Google Patents

Abstract

A program for processing information according to an implementation of the present invention is stored in a medium to perform the functions of: being provided at a mediatory agency terminal to provide a rental application corresponding to liquidity cryptocurrency on an application market network by taking credit cryptocurrency, provided by a security provider terminal, as security; and being provided at a liquidity borrower terminal to receive the liquidity cryptocurrency according to a rental request corresponding to the rental application.

Description

A PROGRAM FOR PROCESSING INFORMATION}

The present invention relates to a program for processing information, and more particularly, to a program for processing information for cryptocurrency liquidity rental using blockchain.

Loan financing of financial institutions such as banks and credit companies is an important part of modern society, and various technologies have been developed for the current financial services related to such loans. However, in the case of such a conventional loan financial service, since the financial institution manages the loans to the borrower once the financial institution manages them, the risk that the loans cannot be recovered is the structure that financial institutions must bear most of the financing, and the limitation was limited. .

To this end, peer to peer (P2P) loans are being proposed as a new lending method where a large number of investors (creditors), rather than banks or private banks, collect money and lend it directly to individuals or companies. P2P loans are all online and can reduce recruitment and labor costs. Investors can earn higher profits than bank interest rates. The market is growing rapidly due to various advantages such as possible.

Against the backdrop of the global financial crisis and internet-based technological innovation, the P2P lending market is showing rapid growth. In line with this, startups using various business models have attracted the attention of lenders and investors.

However, the P2P lending system is also not a direct transaction between individuals, but rather a centralized financial services provider performs processes such as demand for loans and product opening, and accordingly individual loan and collateral setting, As a result of the return process, the centralized service has resulted in the centralized growth of the scale, which is now difficult to access unless it is a large business such as a lender.

As a result, in centralized lending financing, lenders are centrally focused on both risk and excess profits, and because they are businesses that require large capital raising, individuals, small and medium-sized groups are increasingly excluded from centralized services. It will be difficult to take advantage of them, and it is necessary to introduce a platform to solve them.

Meanwhile, cryptocurrency, which recently emerged based on blockchain technology, is also called cryptocurrency and is growing as a means of payment of goods and services. However, these cryptocurrencies do not have a sufficient legal basis for their use at present, so they are free to be issued and distributed, which makes them highly liquid.

Publication No. 10-2017-0099043 (2017.08.31) Publication No. 10-2018-0030495 (2018.03.23)

The present invention provides a decentralized cryptocurrency loan financing service using a blockchain, thereby lowering the cost of procurement and operating costs compared to existing loan services, but also lending to individual or small groups of professionals as well as lenders. Its purpose is to provide a program that can do business as an institution and that eliminates the risk of lost loans.

The program for solving the above problems is provided in the intermediary terminal, the function to provide a loan subscription corresponding to the liquidity cryptocurrency on the subscription market network with the credit cryptocurrency provided from the collateral provider terminal, and It is provided in the liquidity lender terminal, and stored in the medium to execute the function to receive the liquidity cryptocurrency according to the rental application corresponding to the rental subscription.

According to an embodiment of the present invention, a loan subscription corresponding to a liquidity cryptocurrency is provided on a subscription market network with a credit cryptocurrency provided from a security provider as collateral, and in accordance with the rental application corresponding to the rental subscription, By providing liquidity cryptocurrency, paying credit cryptocurrency according to each number of times, and providing decentralized cryptocurrency lending financial services, lending has lower procurement costs and operating costs than existing lending services. Individuals or small groups of professionals, as well as institutions, can conduct business as cryptocurrency lending institutions, eliminating the risk of losing uncollected loans.

In addition, as the liquidity of the virtual currency is distributed through the market mechanism, the financing cost is naturally determined, and credit for each participant node is added, so that there is an advantage of facilitating business participation.

1 and 2 is a conceptual diagram schematically showing an entire system according to an embodiment of the present invention.
3 is a block diagram illustrating in more detail a blockchain-based virtual currency rental system according to an embodiment of the present invention.
4 and 5 are diagrams for explaining the payment and blockchain structure of the CRD and LQD according to an embodiment of the present invention.
6 to 8 are flowcharts illustrating a rental subscription process according to an exemplary embodiment of the present invention.
9 to 12 are block diagrams for explaining in more detail the terminals constituting the system according to an embodiment of the present invention.

The following merely illustrates the principles of the invention. Therefore, those skilled in the art, although not explicitly described or illustrated herein, can embody the principles of the present invention and invent various devices that fall within the spirit and scope of the present invention. Furthermore, all conditional terms and embodiments listed herein are in principle clearly intended for the purpose of understanding the concept of the invention and are not to be limited to the specifically listed embodiments and states. Should be.

In addition, it is to be understood that all detailed descriptions, including the principles, aspects, and embodiments of the present invention, as well as listing specific embodiments, are intended to include structural and functional equivalents of these matters. In addition, these equivalents should be understood to include not only equivalents now known, but also equivalents to be developed in the future, that is, all devices invented to perform the same function regardless of structure.

Thus, for example, the block diagrams herein should be understood to represent a conceptual view of example circuitry embodying the principles of the invention. Similarly, all flowcharts, state transitions, pseudocodes, etc., may be represented in a substantially program form on a computer readable medium and refer to various processes performed by a computer or processor, whether or not the computer or processor is explicitly shown. It should be understood to represent.

In addition, the term 'terminal' used in the present invention is a term used for convenience of description, and may be expressed as 'device' or 'server' and may be replaced.

In addition, the explicit use of terms presented in terms of processor, control, or similar concept should not be interpreted exclusively as a citation to hardware capable of running software, and without limitation, ROM for storing digital signal processor (DSP) hardware, software. (ROM), RAM, and non-volatile memory are to be understood to implicitly include. Other hardware for the governor may also be included.

The above objects, features, and advantages will become more apparent from the following detailed description taken in conjunction with the accompanying drawings, whereby those skilled in the art may easily implement the technical idea of the present invention. There will be. In addition, in describing the present invention, when it is determined that the detailed description of the known technology related to the present invention may unnecessarily obscure the gist of the present invention, the detailed description thereof will be omitted.

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

1 and 2 is a conceptual diagram schematically showing an entire system according to an embodiment of the present invention.

First, as shown in FIG. 1, a cryptocurrency trading system according to an embodiment of the present invention may be configured as a blockchain mesh network formed by one or more trading terminals connected by wire or wirelessly through a network.

To this end, each transaction terminal may be provided with a communication module for connecting to the blockchain network. The blockchain network may be implemented as a wired network such as a local area network (LAN), a wide area network (WAN), or a value added network (VAN). In addition, blockchain networks include mobile radio communication networks, satellite networks, Bluetooth, Wireless Broadband Internet (Wibro), High Speed Downlink Packet Access (HSDPA), Wi-Fi, and Long Term (LTE). Evolution) and the like can be implemented in any kind of wireless network. If necessary, the blockchain network may be a mixed network of wired and wireless.

Each trader terminal may register account information according to its node connection to transaction book data shared in a cloud method through a network. In addition, when a transaction of cryptocurrency is required, each trader terminal may propagate transaction information to be recorded in the transaction book data to each trader terminal.

According to the corresponding mutual verification process, for example, when the approval from the node terminal of a predetermined ratio or more is processed, the transaction book data is updated, and the information is shared, so that the transaction of cryptocurrency can be processed.

Here, the transaction book data includes a block chain having a structure in which a plurality of blocks are sequentially connected in a generation order such that the current block includes a hash value for a block previously generated for each block corresponding to a predetermined time or unit. block chain) data can be linked.

Accordingly, verification of forgery of the transaction book data can be easily processed according to the hash value verification of the blockchain. To this end, each trader terminal may provide computing power to perform calculation and verification processing to calculate the hash value of the next block, and obtain a corresponding compensation.

The security stability of such a blockchain can be formed by system participation of sharers sharing data. Accordingly, transaction information blocks including details of sharing between each sharer terminal connected to the blockchain network and currency issuance / transaction history may be sequentially stored, and the hash value for preventing the forgery and sequential blockchain is sequentially converted. Transaction verification (work proof) processing can be performed distributed in each trader terminal.

2 is a blockchain network-based liquidity rental system according to an embodiment of the present invention, another liquidity rental system according to an embodiment of the present invention is to set the social assets corresponding to credit to CRD (credit) which is a virtual currency We set the corresponding liquidity to LQD (liquid), which is another cryptocurrency, and the blockchain network where the evaluation according to the demand and the compensation for the system contribution are processed according to the distribution of each CRD and LQD according to the collateral setting. Can provide.

To this end, each credit security provider, liquidity lender, brokerage operator, loan bond market, liquidity provider can perform blockchain-based lending protocol processing using their own trading terminals. Accordingly, each trading terminal may be registered in the blockchain network as each node according to the nature of each processing process and network registration, and the trading terminal may be, for example, a liquidity lender as shown in FIG. 3 to be described later. The terminal 100, the rental intermediary terminal 200, the liquidity provider terminal 300, the security provider terminal 350 and the subscription market network management terminal 400 may be divided. However, this is classified according to a process processed in a transaction terminal, and may be changed at any time in one terminal according to a financial service.

In addition, in the present specification, the liquidity rental process will be described mainly, but the rental process according to an embodiment of the present invention may also be referred to as a rental process or a loan process. That is, in the present specification, the loan, lease or loan is a technical term that can be described differently according to the subject, object, and viewpoint of the same process, and the loan process according to the embodiment of the present invention is interchangeable with the lease process or the loan process. Can be. Therefore, all of the liquidity loan, lease or loan according to an embodiment of the present invention may represent a liquidity virtual currency loan process based on credit cryptocurrency collateral.

According to an embodiment of the present invention, a credit cryptocurrency CRD based on a blockchain network may be used, and the CRD may be obtained by converting the credit of the security provider as a social asset, and the platform contribution to the blockchain system network It can also be given as a reward.

On the other hand, the liquidity cryptocurrency LQD based on the blockchain network, can correspond to the liquidity currency that can be traded in the real economy, and can be converted into an appropriate currency value. In addition, the liquidity cryptocurrency LQD may be paid to the liquidity lender from the liquidity provider through the rental subscription market, with the credit cryptocurrency CRD as collateral, in accordance with the terms of the contract specified in the rental subscription, and the lender intermediary provides the CRD collateral for it. Provision and subscription brokerage treatment can be performed.

More specifically, the lender may acquire a credit cryptocurrency CRD from a mortgage provider or provide direct collateral, design a rental subscription based on the liquidity cryptocurrency LQD, and upload the designed rental subscription to the subscription market.

In response to such a loan offer, the liquidity provider holding the LQD may determine the payment of the LQD, with reference to the secured CRD and the offer terms. That is, the LQD is paid based on the CRD secured in the rental subscription, and the CRD secured by the execution of the contract can be stored for a certain period in the subscription market.

In addition, the liquidity lender can apply for LQD rental for the LQD-paid rental subscription through authentication and documents required by the lending intermediary, through which the liquidity virtual currency LQD is paid and used, and the liquidity virtual Reimbursement and payment of royalties using money LQD can be processed.

According to the process of each terminal node performing this processing, system compensation may be processed to each node. System rewards can be paid out as the credit cryptocurrency CRD described above, which can be paid out in the form of issuing, mining, or paying back fees from other nodes.

3 is a block diagram illustrating a blockchain-based cryptocurrency rental system according to an embodiment of the present invention in more detail, Figures 4 and 5 shows the payment and blockchain structure of CRD and LQD according to an embodiment of the present invention It is a figure for description.

Referring to FIG. 3, in the virtual currency lending system according to an embodiment of the present invention, the liquidity lender terminal 100, the rental intermediary terminal 200, the liquidity provider terminal 300, the mortgage provider terminal 350, and the subscription market The network operation terminal 400 may be included, and the balance full provider terminal 500 may be selectively included.

First, the blockchain network operated by FIG. 3 is operated according to the transaction and rental of virtual currency, which may be implemented by the virtual currency transaction process referring to FIGS. 4 and 5. 4 and 5, a virtual currency traded in a blockchain network according to an embodiment of the present invention corresponds to a CRD corresponding to a credit virtual currency as a first virtual currency and a liquidity virtual currency as a second virtual currency. LQD may be set.

First, as shown in FIG. 5, the credit cryptocurrency CRD is a cryptocurrency issued in a blockchain network, and the issued amount may be an inflation currency that increases on a log scale. In addition, as described above, the credit cryptocurrency CRD may be a virtual currency converted from a provider's credit as a social asset, and each trader may provide a platform contribution reward or a CRD held through a separate transaction as collateral corresponding to the LQD. have.

In addition, for example, miners and traders may be rewarded with a CRD by the transaction fee compensation unit 410 of the subscription market network management terminal 400, the block generation compensation and transaction fees, the rental brokerage agency The block chain network use fee may be paid to the CRD through the block fee compensation unit 420 of the operation terminal 400.

In addition, CRD holders, mortgage providers, liquidity providers, liquidity lenders can be provided with a platform contribution compensation based on the CRD according to the market network operation of the subscription market network management terminal 400, but retains the CRD but does not provide it as collateral As a result, unsecured CRD holders who are not actually used on the platform may be subject to CRD payment by depreciation.

Here, the collateral provider terminal 350 is a CRD holder having a CRD, and may be a terminal of a collateral provider providing the CRD as collateral, and the collateral provider terminal 350 may provide a subscription market network operation terminal 400 by providing a CRD collateral. A portion of the LQD fee according to the virtual currency loan process executed in the) can be obtained as a fee, or a predetermined CRD can be received as a platform contribution reward. The loan subscription design for the CRD collateral is handled by the intermediary terminal 200, so that the detailed CRD collateral and LQD lending process will be described in more detail for each subject.

Such credit cryptocurrency CRD may be listed and traded on the cryptocurrency exchange, and when the loan contract is concluded by the intermediary terminal 200 and the subscription market network management terminal 400, the LQD virtual payment is provided from the liquidity provider terminal 300. It can be provided to the subscription market network as collateral for money. The CRD provided as such collateral is maintained on the subscription market network for a certain period, and a fee for use according to the contract may be provided to the collateral provider terminal 350 as the platform contribution reward.

The CRD provided as collateral will be maintained until the lease of the corresponding LQD expires or the repayment is completed according to the contract, ensuring the repayment of the liquidity cryptocurrency LQD, or 100% of the loaned liquidity if it is not repaid by the expiration of the loan. The mortgage can be maintained until is preserved. In this case, the CRD may be distributed to the security provider terminal 350 as the platform contribution compensation.

On the other hand, CRDs not provided as collateral may be automatically recovered at a certain rate, depending on the period, and the recovered CRDs may be redistributed to other nodes according to their contribution.

5 is a view for explaining the flow of the liquidity cryptocurrency LQD, the liquidity cryptocurrency LQD may be an ASSET BACKED TOKEN that is formed such that the total issuance in the blockchain network matches the total amount of the liquidity rental contract.

The liquidity cryptocurrency LQD is generated by the LQD issuance of platform loans by the loan process of the liquidity cryptocurrency, which includes the guarantee by the credit cryptocurrency CRD, which is executed in the subscription market network operation terminal 400, and is repaid. In the case of incineration may be a value stabilization currency (STABLE TOKEN), which can be listed on the exchange and traded, the LQD provided from each liquidity provider terminal 300 is a lender lender lending lender (100) ), And a part of the fee for repayment of the LQD may be paid to the security provider terminal 350 and the liquidity provider terminal 300 users. Here, the fee paid to the security provider terminal 350 may be a royalty for credit, and the fee paid to the liquidity provider terminal 300 may be a liquidity royalty for LQD payment.

These royalties and compensation fees can be processed by the subscription market network management terminal 400, for the processing and compensation of each process fee, the subscription market network management terminal 400 is a transaction fee compensation unit 410, block fees Compensation unit 420 and loan contribution compensation unit 430 may be included.

In addition, the rental intermediary terminal 200 performs the management and collection process for the loan bonds for the liquidity lender terminal 100 by executing the rental subscription contract, and obtains the fee receiving authority information for the conclusion and execution of the contract F. Such contract and loan bond asset and fee information may be managed by the bond asset management unit 440 of the subscription market network management terminal 400.

If the loaned LQD is not repaid by maturity, the LQD paid to the collateral provider terminal 350 as the credit fee and platform contribution compensation of the CRD provided as collateral is paid to the liquidity provider terminal 300 for a period of time. The LQD, which is processed by the operation terminal 400 and thus rented, can be 100% preserved after a certain period, and the time required for this is determined at the time of issuance of the subscription in the subscription market network operation terminal 400, May be displayed.

The operation of the lending system based on each credit cryptocurrency CRD and liquidity cryptocurrency LQD will be described in more detail below.

First, the liquidity lender terminal 100 may be a terminal applying for the lease of the liquidity cryptocurrency LQD by selecting an intermediary terminal 200 that handles a rental product desired by a rental user, and the selected brokerage terminal 200 Based on the confirmation and approval of the lease terms required by the lease offer presented through the offer market network, the leased liquidity cryptocurrency LQD can be issued. LQD rental fees may be deducted in advance into the LQD, returned to the LQD at any time prior to expiration, and the reduced term may be returned upon early repayment.

The liquidity lender terminal 100 may receive a credit cryptocurrency CRD as a contribution to the subscription market network through the rental use after returning, and if it is not repaid within the period, the credit history is subscribed by the subscription market network operation terminal 400. It can be recorded on the market blockchain.

The intermediary terminal 200 may be a terminal that holds a certain amount of credit cryptocurrency CRD capable of providing collateral, designs a loan product, and stores and executes a process for operating, managing, and recovering. Here, the intermediary terminal 200 can provide the above process in a state in which some functions are installed in each lender terminal 100, the mortgage provider terminal 350 or the liquidity provider terminal 300, the intermediary app for this The lender terminal 100, the security provider terminal 350 or the liquidity provider terminal 300 may be installed.

The intermediary terminal 200 may periodically obtain a license renewal from the subscription market network, and may receive upgrades in terms of the available loan size and conditions. The condition grade is based on the amount of credit cryptocurrency CRD held and the amount of loans outstanding. Can be determined accordingly.

In addition, the intermediary terminal 200 is applied for the intermediary license for the subscription market network, the design of the rental product of the liquidity cryptocurrency LQD (rental period, unit rental amount, the total amount of the lease, etc.) and the collateral provider terminal 350 or intermediary A credit virtual currency CRD collateral process of the terminal 200 may be processed.

In addition, the intermediary terminal 200 may be issued as a license code, an encryption key for the electronic signature of the subscription market network, it may be able to open and operate the intermediary using the same.

In addition, the intermediary terminal 200 may receive a rental application corresponding to the loan subscription from the liquidity lender terminal 100, and the collateral provider terminal 350 to secure the credit cryptocurrency CRD collateral to generate the loan subscription Each liquidity provider terminal 300 so as to conclude a payment and rental contract of liquidity cryptocurrency LQD with collateralized credit processing and credit cryptocurrency CRD as a collateral processing and internal collateral processing, and a rental subscription to the subscription market network. And information exchange processing between the liquidity lender terminal 100.

In addition, the intermediary terminal 200 performs the rental account management and recovery processing of the liquidity cryptocurrency LQD of the liquidity lender terminal 100, and may receive a portion of the LQD rental fee as a fee, and upon completion of collection, blockchain A credit cryptocurrency CRD may be received as a reward from the network.

In addition, the intermediary terminal 200 may process the license renewal, the license may be determined according to the measurement of the uncollected rate (default LQD uncollected rate) or the change in handling conditions. The condition may be a period, a unit amount, a total amount, and the like.

Meanwhile, the security provider terminal 350 may deposit the CRD through the intermediary terminal 200 and read the LQD rental application provided by the rental intermediary terminal 200. Here, the rental application may include the LQD rental application and related documents provided from the rental intermediary terminal 200. The security provider terminal 350 may provide a security for a specific LQD rental application as a credit cryptocurrency CRD. In addition, the collateral for the rental application can also be provided by the intermediary terminal 200, the CRD provided as collateral at the time of the first rental application may be 100% provided by the intermediary terminal (200).

After the collateral is provided, the intermediary terminal 200 may perform a loan agreement creation to the liquidity lender terminal 100 in accordance with the LQD payment of the liquidity provider terminal 300 and the rental subscription form having the provided CRD as collateral. .

Thereafter, the mortgage provider terminal 350 corresponds to a portion of the liquidity lender LQD provided from the liquidity provider terminal 300 with the credit cryptocurrency CRD as collateral, while the rental fee is paid to the LQD. The LQD can be paid as a rental fee. In addition, at the time of rental expiration, additional credit cryptocurrency CRDs can be issued from the blockchain network as a contribution reward.

Meanwhile, the liquidity provider terminal 300 holds an LQD and provides a lease of the LQD to the liquidity lender terminal 100 to receive a fee corresponding thereto, and in the subscription market network through an intermediary terminal 200 or the like. LQD lease offers and collateral CRDs provided can be identified and the lease and LQD provided.

For the rental decision, the liquidity provider terminal 300 may receive and output LQD lease subscription information (issuing agency information, amount information, royalty rate information, and default LQD split collection period information) from the rental intermediary terminal 200. In addition, the lease may be determined according to the user's approval input, and the payment to the liquidity lender terminal 100 of the liquidity cryptocurrency LQD may be processed through the electronic wallet.

In addition, the liquidity provider terminal 300 may perform a recovery process during the lease period of the liquidity virtual currency LQD within the lease termination period. If a default occurs, the LQD generated as a fee for the CRD provided as the collateral for a predetermined period in the subscription may be divided and paid to the liquidity provider terminal 300, and at the time of normal lease expiration, credit cryptocurrency according to platform contribution CRD can be paid.

Meanwhile, the liquidity lender terminal 100 uses the LQD paid by applying for the LQD lease, and performs payment and return of a certain fee, and the LQD lease subscription provided by the subscription market network through the LQD intermediary terminal 200 or the like. And by confirming and approving the lease conditions, the rented LQD can be paid.

LQD rental fee may be deducted from the LQD to be paid, the liquidity lender terminal 100 may return the LQD to the liquidity provider terminal 300 before lease expiration or lease expiration. In case of early repayment, the rental fee for the lease term may be returned from the pre-deducted amount.

In addition, since the rental use and return of the liquidity lender terminal 100 also corresponds to the platform contribution, a reward CRD corresponding to the rental use may be paid to the liquidity lender terminal 100 after the return is completed. Such credit cryptocurrency CRD can be paid to all platform contributors as a reward for the completion of the process, and can be paid for each of the various processes according to the subscription, lease and collateral provision.

On the other hand, the balance full provider terminal 500 may be a full control node terminal processing the buy and sell performance for the price adjustment of the liquidity cryptocurrency LQD, the rental total amount can be adjusted to the total amount of LQD issuance. The balance full provider terminal 500 may adjust the total amount issued according to the price of the reference market, and the profit or loss caused by the change in the LQD valuation due to the LQD price stabilization transaction may be handled by adjusting the CRD distribution amount or by separate funding. have. In addition, reserve LQDs can be distributed to CRD holders to stabilize CRD values.

6 to 8 are flow charts for explaining the process of providing collateral and loans according to an embodiment of the present invention.

6 and 7 illustrate in more detail a loan credit Oracle process for a loan credit collateral request, wherein the loan credit collateral request of the brokerage agency is in the form of credit Oracle from one or more collateral provider terminals (200). 350, the mortgage provider terminal 350 may input betting information for betting interest rates and CRDs to be provided to the credit Oracle in a Dutch auction method.

Subsequently, the intermediary terminal 200 acquires a loanable LQD quantity table for each CRD usage rate according to the credit Oracle input, and provides a confirmation request for confirming the usage rate and provision amount information of the security provider corresponding thereto. In step S203, the process transmits to 350.

In accordance with the confirmation of the agreement, the intermediary terminal 200 may generate a loan offer including a mortgage CRD provided by each mortgage provider terminal 350 and a loanable LQD quantity table for each use rate thereof (S205). ), The generated rental subscription can be published on the market network.

According to the CRD collateral setting, the platform compensation LQD distributed to the CRD holder even when the LQD loan is not repaid, the loss of the liquidity provider terminal 300, which is the LQD lender, can be 100% compensated, and upon completion of the loan repayment, the CRD secured. There may be provided a virtuous cycle of recoverable back to the security provider terminal 350.

7 is a diagram illustrating a rental subscription according to an embodiment of the present invention, the rental subscription may be shared from the intermediary agency terminal 200 through the subscription blockchain network formed through one or more subscription network operation terminal 400. .

Referring to FIG. 7, the rental subscription may be a smart contract described as a standard protocol of a subscription network composed of a blockchain, and the liquidity provider terminal 300, which is an LQD liquidity provider, may not be repaid, but may be assigned to a collateral CRD corresponding to the rental LQD. The Platform Contribution Compensation LQD, which is paid for, can be collected 100% after a certain period.

For example, the loan offer may include at least one of liquidity provider information, LQD repayment schedule, mortgage CRD quantity (including a 100% preservation period), LQD usage rate, loan quantity and issuing agency information. On the other hand, referring to Figure 7, it shows a rental process according to the loan application of the liquidity lender terminal 100, first, the intermediary terminal terminal 200 receives the LQD rental request from the liquidity lender terminal 100 (S101) .

Here, the liquidity lender terminal 100 may select a brokerage institution most suitable for itself among a plurality of rental brokerage agencies, and provide LQD loan application information to the brokerage terminal 200 corresponding to the selected brokerage agency.

Then, the intermediary agency terminal 200 collects the identification authentication information and the rental basis documents corresponding to the rental application information from the liquidity lender terminal 100 (S103).

The intermediary terminal 200 may provide a verification process according to the identity authentication information and supporting documents, the application content and the verification content may be output from each user terminal through the application.

Thereafter, the intermediary terminal 200 requests credit collateral for one or more collateral providers (S105).

To this end, the intermediary terminal 200 may provide the application information and verification information to one or more mortgage provider terminal 350, which may be provided in a blockchain-based smart contract format, mortgage provider terminal 350 Can set its own usage rate and credit cryptocurrency CRD and enter it into the smart contract format.

As described above, in the embodiment of the present invention, such a smart contract format may be referred to as a credit Oracle (CREDIT ORACLE), and according to the logic process defined by the credit Oracle, the intermediary terminal 200 uses the rates of the security providers. Determining the LQD use rate and the brokerage agency fee, and can generate a loan subscription issuance proposal corresponding thereto and transmit it to the mortgage provider terminal (350) (S107).

Then, according to the agreement of the security provider terminal 350, the loan subscription obtained from the credit Oracle is issued and published in the subscription market network (S109, S111).

Accordingly, when the LQD lease is determined in the liquidity provider terminal 300 that reads the rental subscription and is approved in the liquidity lender terminal 100, the LQD lease and repayment process and credit cryptocurrency CRD The compensation process can be processed.

On the other hand, Figures 9 to 12 is a block diagram showing in more detail the configuration of the intermediary agency terminal, the security provider terminal, the liquidity provider terminal and the liquidity lender terminal according to an embodiment of the present invention.

First, referring to FIG. 9, an intermediary agency terminal 200 according to an embodiment of the present invention may include a control unit 230, a communication unit 220, a user input unit 240, a memory 250, and an intermediary service unit 210. Include.

The communication unit 220 may include one or more modules that enable communication between the terminal 200 and the blockchain network. For example, the communication unit 220 may include a mobile communication module, a wireless internet module, a short range communication module or a wired communication module.

The user input unit 240 may include one or more interface modules for receiving a user input.

The controller 230 may control the overall operation of the conventional terminal 200 and may provide storage and processing of distributed transaction information received from the blockchain network.

In addition, the controller 230 requests the approval of the transaction information to the blockchain network when the transaction information for the intermediary service processing of the intermediary service unit 210 and the transaction information of the virtual currency or cryptocurrency are input. May provide processing of transaction information.

The rental service and the virtual currency transaction information processed by the intermediary service unit 210 may be pre-registered in the form of a code such as a smart contract in the transaction book data shared on the blockchain network. Forgery can be prevented.

Accordingly, the intermediary terminal 200 may perform intermediary service processing according to the rental service and the virtual currency transaction information processed by the intermediary service unit 210.

To this end, the intermediary agency service unit 210 includes a virtual currency management unit 211, rental product design unit 212, license management unit 213, rental subscription processing unit 214 and the contract execution unit 214.

The virtual currency management unit 211 holds and manages a credit cryptocurrency CRD provided as a collateral of the intermediary terminal terminal 200 when the loan subscription is generated or obtained as a platform reward, and stores and manages the virtual currency paid according to the contract conclusion. It may include a processor for.

In addition, the rental product design unit 212 may design a rental or loan product of the liquidity virtual currency having the credit virtual currency as collateral, and may operate and manage it. The rental product design unit 212 is a rental product design (rental period, unit lease amount, total amount of lease, etc.) of the liquidity cryptocurrency LQD and credit cryptocurrency CRD collateral request from the collateral provider terminal 350, collateral provision and management broker Can be processed.

The license manager 213 may periodically obtain a license renewal from the subscription market network, and may upgrade the handleable loan size and conditions accordingly, and the condition grade may be determined according to the amount of credit cryptocurrency CRD held. For example, licenses may be determined by measuring uncollected (default LQD uncollected) or by changing the handling conditions. For example, it may be determined depending on the uncollected period, the unit amount, the total amount, and the like.

To this end, the intermediary terminal 200 is applied for an intermediary license for the subscription market network, and also, the intermediary terminal 200 may be issued a cryptographic key for digital signature of the subscription market network as a license code. Opening and sales of intermediaries can be performed.

The rental subscription processing unit 214 may receive an LQD rental request from the liquidity lender terminal 100 and provide an LQD rental subscription on the subscription market network according to the processing to secure credit cryptocurrency CRD collateral and secure CRD collateral. can do.

In addition, the contract execution unit 215 may process the collateralized contract of the credit cryptocurrency CRD corresponding to the loan agreement according to the LQD lease decision and mutual approval of the liquidity provider 300, and may execute the liquidity cryptocurrency according to the contract. LQD lease account management and recovery processing, and can be used to earn royalties.

On the other hand, the compensation processing unit 216 may receive a credit virtual currency CRD upon the completion of recovery as a reward.

In addition, referring to FIG. 10, the liquidity provider terminal 300 according to an exemplary embodiment of the present invention includes a control unit 303, a communication unit 302, a user input unit 304, a memory 305, and a liquidity service unit 301. do.

The communication unit 302 may include one or more modules that enable communication between the terminal 300 and the blockchain network. For example, the communication unit 320 may include a mobile communication module, a wireless internet module, a short range communication module or a wired communication module.

The user input unit 304 may include one or more interface modules for receiving user input.

The controller 303 controls the overall operation of the conventional terminal 300 and may provide storage and processing of distributed transaction information received from the blockchain network.

In addition, the control unit 303 is processing information for processing the liquidity service of the liquidity service unit 301 and transaction information for requesting approval of transaction information to the blockchain network when transaction information of the virtual currency or cryptocurrency is input. Can provide processing.

The rental service and the virtual currency transaction information processed by the liquidity service unit 301 may be pre-registered in the form of a code such as a smart contract in the transaction book data shared on the blockchain network, and thus forgery. Can be prevented.

Accordingly, the liquidity provider terminal 300 may perform the liquidity providing service processing according to the rental service and the virtual currency transaction information processed by the liquidity service unit 301.

To this end, the liquidity service unit 301 includes a virtual currency management unit 3011, intermediary agency interworking unit 3012, rental subscription approval unit 3014, contract execution unit 3015 and compensation processing unit 3016.

The virtual currency management unit 3011 may store and manage the liquidity cryptocurrency LQD held by the liquidity provider, and may process payment to the liquidity lender terminal 100 according to the rental subscription approval. In addition, the intermediary interlocking unit 3012 allows the intermediary terminal 200 to view the rental subscription registered in the subscription market network operation terminal 400. Here, the rental subscription may include at least one of the LQD provider, repayment schedule, collateral CRD amount, LQD usage rate, rental quantity and issuing intermediary.

In addition, the rental subscription approval unit 3014 may perform a liquidity virtual currency LQD provision approval process for the rental subscription selected according to a user input.

Thereafter, by the contract execution unit 3015, the liquidity cryptocurrency LQD is leased, and the returned LQD and rental fee can be obtained as the LQD.

In addition, when the LQD is not returned until the lease expiration date, the contract execution unit 3015 may receive 100% of the LQD paid for from the subscription market network as a credit fee of the CRD provided as collateral for a certain period of time.

Further, at the time of lease expiration, the credit virtual currency CRD may be additionally issued from the blockchain network as a contribution compensation through the compensation processing unit 3016.

In addition, referring to FIG. 11, the security provider terminal 350 according to an exemplary embodiment of the present disclosure may control the controller 353, the communication unit 352, the user input unit 354, the memory 355, and the security management service unit 351. Include.

The communication unit 352 may include one or more modules that enable communication between the terminal 350 and the blockchain network. For example, the communication unit 320 may include a mobile communication module, a wireless internet module, a short range communication module or a wired communication module.

The user input unit 354 may include one or more interface modules for receiving user input.

The controller 353 controls the overall operation of the conventional terminal 350 and may provide storage and processing of distributed transaction information received from the blockchain network.

In addition, the controller 353 may request the approval of transaction information to the blockchain network when processing information for processing the security management service of the security management service unit 351 and transaction information of the virtual currency or cryptocurrency are input. May provide processing of transaction information.

The rental service and the virtual currency transaction information processed by the collateral management service unit 351 may be pre-registered in the form of a code such as a smart contract in the transaction book data shared on the blockchain network. Forgery can be prevented.

Accordingly, the security provider terminal 350 may perform the security management service processing according to the rental service and the virtual currency transaction information processed by the security management service unit 351.

To this end, the collateral management service unit 351 includes a virtual currency management unit 3511, intermediary agency interworking unit 3512, collateral management unit 3513 and compensation processing unit 3016.

The cryptocurrency management unit 3511 may store and manage credit cryptocurrency CRDs held by the security provider, and store and manage CRDs paid as royalties LQDs and platform contribution rewards obtained when the CRDs are provided as collaterals. .

The intermediary interworking unit 3512 may deposit the CRD through the intermediary terminal 200 and view the rental request registered in the subscription market network operation terminal 400. Here, the rental request may be provided through a smart contract, it may be possible to input the CRD usage rate and collateral provision amount corresponding to the rental request of the liquidity lender terminal 100.

To this end, the intermediary interworking unit 3512 may receive the loan request information and the liquidity lender's verification information from the intermediary terminal 200, which may be provided in a blockchain-based smart contract format, and the mortgage provider terminal. In 350, through the collateral management unit 3513, it is possible to set the appropriate rate of use and credit cryptocurrency CRD to the smart contract format.

According to the logic process defined by the smart contract, the intermediary terminal 200 determines the usage rates of the collateral providers, the LQD usage rates, and the brokerage fees, and generates a loan subscription issuing proposal corresponding to the collateral management unit. (3513). Then, according to the consent information entered into the security management unit 3513, the loan offer in accordance with the smart contract is issued and published in the subscription market network.

A more detailed process is as described above. For example, when a loan request for a loan credit by an intermediary agency according to the smart contract credit Oracle is provided from the intermediary terminal 200 to one or more mortgage provider terminals 350, each mortgage provider is auctioned through the mortgage management unit 3513. As such, betting information for betting interest rate and secured CRD on the credit Oracle can be entered.

Subsequently, the intermediary terminal 200 generates a loanable quantity table for each optimal use rate according to the performance of the credit Oracle, and the security provider terminal 350 requests a confirmation request for checking the usage rate and provision amount information of the security provider corresponding thereto. ) To the collateral management unit 3513.

Accordingly, according to the confirmation of the agreement, the intermediary agency terminal 200 may generate a rental subscription including a loanable quantity table for each usage rate, and the generated rental subscription may be disclosed to the market network. According to the CRD collateral setting, even when the LQD loan is not repaid, the loss due to the platform compensation CRD distributed to the CRD holder can be 100% compensated, and a recoverable process can be provided upon completion of the loan repayment. As a result, lending financial services can be reconfigured as a decentralized economy that eliminates the risks of sales, financing, unrecoverable net loss, and cryptocurrency lending intermediaries operating within credit unions of cryptocurrency holders. Will be.

On the other hand, Figure 12 is a block diagram illustrating the liquidity lender terminal in more detail.

Referring to FIG. 12, the liquidity lender terminal 100 includes a rental processing unit 110, a communication unit 120, a control unit 130, a user input unit 140, and a memory 150.

The communication unit 120 may include one or more modules that enable communication between the terminal 100 and the blockchain network. For example, the communication unit 120 may include a mobile communication module, a wireless internet module, a short range communication module or a wired communication module.

The user input unit 140 may include one or more interface modules for receiving a user input.

The controller 130 may control overall operation of the conventional terminal 100 and may provide storage and processing of distributed transaction information received from the blockchain network.

In addition, the controller 130 processes the transaction information for the rental service of the rental processing unit 110 and transaction information for requesting approval of the transaction information to the blockchain network when transaction information of the virtual currency or cryptocurrency is input. Can be provided.

The rental service and the virtual currency transaction information processed by the rental processing unit 110 may be pre-registered in the form of a code such as a smart contract in the transaction book data shared on the blockchain network. Can be prevented.

Accordingly, the liquidity lender terminal 100 may provide a rental service information processing process in each terminal according to the rental service and virtual currency transaction information processed by the rental processing unit 110.

The rental processing unit 110 may provide a process of renting and using the LQD, and may receive a CRD as a reward upon completion of the refund.

To this end, the rental processing unit 110 may check the LQD lease offer provided by the subscription market network through the intermediary terminal 200, determine a lease, or transmit a rental request to the intermediary terminal 200.

The liquidity lender terminal 100 may receive and output LQD lease subscription information (issuing agency information, amount information, fee rate information, and default LQD split collection period information), and the lease may be determined according to a user approval input. The payment of liquidity cryptocurrency LQD can be processed through the electronic wallet. In addition, the rental processing unit 110 may perform repayment processing during the lease period of the liquidity virtual currency LQD within the lease termination period.

If a default due to a period of time has elapsed, adverse credit history due to non-payment may be recorded on the blockchain of the subscription market network. According to the embodiment of the present invention, even without a separate central server, distributed processing of verifiable cryptocurrency that can be verified is provided with a general transaction, thereby preventing social side effects and embezzlement according to the use place in advance while maintaining anonymity. It is possible to provide a trading system of cryptocurrency.

The above-described methods according to an embodiment of the present invention may be produced as a program for execution on a computer. In addition, the program may be stored in a computer-readable recording medium. Examples of the computer-readable recording medium may include a ROM, a RAM, a CD-ROM, a magnetic tape, a floppy disk, and an optical data storage device. have.

The computer readable recording medium can be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion. In addition, functional programs, codes, and code segments for implementing the method can be easily inferred by programmers in the art to which the present invention belongs.

In addition, although the preferred embodiment of the present invention has been shown and described above, the present invention is not limited to the specific embodiments described above, but the technical field to which the invention belongs without departing from the spirit of the invention claimed in the claims. Of course, various modifications can be made by those skilled in the art, and these modifications should not be individually understood from the technical spirit or the prospect of the present invention.

Claims (4)

A function of providing the loan subscription corresponding to the liquidity cryptocurrency on the subscription market network by collateralizing the credit cryptocurrency provided from the security provider terminal on the subscription market network; And
The program stored in the medium for executing the function provided in the liquidity lender terminal, the function to receive the liquidity virtual currency in accordance with the rental application corresponding to the rental subscription. The method of claim 1,
The liquidity lender terminal,
Select a brokerage agency according to the loan offer on the subscription market network to apply for the lease of the liquidity cryptocurrency, and receive the leased liquidity cryptocurrency according to the confirmation and approval of the lease conditions of the loan offer provided by the selected brokerage agency. And a terminal receiving the credit cryptocurrency as a contribution market network contribution through the rental use according to the redemption process of the rented liquidity cryptocurrency. The method of claim 1,
The intermediary terminal using the credit virtual currency as collateral, design the loan product according to the loan offer, and store and execute the process of operating and managing the loan product, the approval of the loan offer or the rented A program that is a terminal that receives the credit cryptocurrency as a contribution to the subscription market network according to the redemption process of the liquidity cryptocurrency The method of claim 1,
It is provided in the intermediary terminal terminal, and receives the rental request from the liquidity lender terminal, and receives the corresponding credit cryptocurrency collateral information from the security provider terminal, and further provides a rental subscription based on the offer to the subscription market network Programs stored on the media to make them available.

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