KR20200006250A - Recording Medium - Google Patents

Abstract

According to an embodiment of the present invention, provide is a recording medium, which records a program for executing: a function, provided in an intermediary terminal, and issuing a lending subscription for providing a liquidity virtual currency to a liquidity lender terminal while taking a credit virtual currency provided from a security provider terminal as security on a subscription market network; a function, provided in the liquidity lender terminal, applying for the lease of the liquidity virtual currency to the intermediary terminal; a function receiving the lent liquidity virtual currency in accordance with lease conditions of the lending subscription issued by the intermediary terminal.

Description

Recording medium {Recording Medium}

The present invention relates to a recording medium for recording a liquidity loan program, and more particularly, to a recording medium for recording a program for processing a virtual currency liquidity loan using a 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 existing financial services related to such loans. However, in the case of such a conventional loan financial services, since the financial institutions manage the loans to the borrowers once they are managed by the financial institutions, the risk that the loans cannot be recovered is the structure that financial institutions have to bear most of them. .

To this end, peer to peer (P2P) loans are being proposed as a new loan 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.

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

However, such a P2P lending system also, rather than direct transactions between individuals, basically a centralized specific financial service providing device performs the process such as the demand for the loan and the opening of the product, according to the 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 large businesses require capital raising, the average individual, small and medium-sized groups are gradually excluded from centralized services. It is difficult to take advantage of profits, and it is necessary to introduce a platform to solve them.

Meanwhile, cryptocurrency, which has recently emerged based on blockchain technology, is also called virtual currency 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, and thus have high liquidity.

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 record carrier that can run a business as an institution and record a program that handles the provision of loan financing services that eliminates the risk of uncollected losses.

The recording medium for solving the above problems is provided in the terminal of the intermediary agency, loaned to the liquidity lender terminal to the liquidity lender terminal with the credit cryptocurrency provided from the security provider terminal on the subscription market network as collateral In accordance with the function of issuing, the liquidity lender terminal provided in the liquidity lender terminal, the function of applying for the lease of the liquidity cryptocurrency to the terminal agency terminal, and the rental conditions of the rental agreement issued by the terminal agency, Record the program to execute the function of receiving liquidity cryptocurrency.

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, 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 to the participating node, thereby 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 illustrating in more detail each of 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, may embody the principles of the present invention and invent various devices that fall within the spirit and scope of the present invention. In addition, 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 aspect of exemplary circuitry embodying the principles of the invention. Similarly, all flowcharts, state transitions, pseudocodes, etc., are understood to represent various processes performed by the computer or processor, whether the computer may be substantially represented on a readable medium and whether the computer or processor is clearly shown. Should be.

In addition, the explicit use of terms presented in terms of processor, control, or similar concept should not be interpreted exclusively as a citation of 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.

In addition, the term 'terminal' used in the present invention is a term used to describe the present invention, and the term 'terminal' may be replaced with 'device' or 'server', and has the same meaning and function.

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, for example, 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 (Wbro), 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. 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 certain 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 a 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. Therefore, 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 another cryptocurrency, LQD (liquid), and for each block of CRD and LQD distribution based on collateral setting, evaluating the demand and the blockchain network where rewards for system contribution are handled respectively. Can provide.

To this end, each credit security provider, liquidity lender, brokerage agency, 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 brokerage terminal 200, the liquidity provider terminal 300, the security providing 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.

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 collateral 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 can be paid from the liquidity provider to the liquidity lender 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. Offer and subscription brokerage processing 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 for the liquidity cryptocurrency LQD based on it, 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 by referring to the secured CRD and the terms of the offer. 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 may be stored in the subscription market for a period of time.

In addition, the liquidity lender may apply for an LQD lease for the rental subscription paid for the LQD through the authentication and document submission 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. The system reward may be paid out as the credit cryptocurrency CRD described above, which may be paid out in the form of issuing, mining, or paying back fees from other nodes.

Figure 3 is a block diagram showing a blockchain-based virtual currency rental system in more detail according to an embodiment of the present invention, 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 amount of issuance may be an inflation currency that increases on a log scale. In addition, as described above, the credit cryptocurrency CRD may be a cryptocurrency in which the credit of the provider is converted into a social asset, and each trader may provide the CRD held through platform contribution compensation or a separate transaction as collateral corresponding to the LQD. have.

In addition, for example, miners and traders may be rewarded with 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, the CRD holder, the collateral provider, the liquidity provider, and the liquidity lender may be provided with the 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 by the platform may be subject to CRD payments 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 processed in the intermediary terminal 200, so that the detailed CRD collateral and LQD rental 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 the 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 shall be maintained until the loan of the corresponding LQD expires or completes its repayment according to the contract, ensuring the repayment of the liquidity cryptocurrency LQD, or 100% of the borrowed liquidity if it is not repaid until the loan expires. The mortgage state may 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 according to their contribution to other nodes.

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

The liquidity cryptocurrency LQD is generated by the lending of the credit cryptocurrency CRD executed in the subscription market network operating terminal 400, and may be a value stabilized currency (STABLE TOKEN) which is maintained by being burned when repaid. Listed and traded, the LQD provided from each liquidity provider terminal 300 is paid to the liquidity lender terminal 100, which is the lender lending the loan, a portion of the fee when repayment of the LQD is the security provider terminal 350 And the liquidity provider terminal 300 may be paid to 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 may be processed by the subscription market network management terminal 400, for the processing and compensation of fees for each process, 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 obtains the loan bond assets for the liquidity lender terminal 100 by executing the rental subscription contract, and obtains a fee for the conclusion of the contract, such a contract and loan bond asset information The bond market manager 440 of the subscription market network management terminal 400 may be managed.

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, Can 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 of a rental user who wants to lease an LQD. In addition, the liquidity lender terminal 100 may access a blockchain network through an application installed in the terminal, and may select and communicate with the rental intermediary terminal 200. The liquidity lender terminal 100 may receive rental application information for applying for the lease of the LQD through the rental intermediary terminal 200 and transmit the rental application information to the rental intermediary terminal 200. The rental application information may be, for example, rented. It may include at least one of the user's required LQD quantity information, usage information, user information, credit information and authentication information.

When the rental intermediary terminal 200 receives the rental application information of the liquidity lender terminal 100, the rental intermediary terminal 200 may first set a credit collateral CRD corresponding to the rental application information.

Here, the credit collateral CRD may be set as a collateral of the loan principal LQD to the liquidity provider to lend the LQD to the liquidity lender. These CRDs are maintained in the subscription market network for the duration of the collateral, and if the return of the loaned LQD is not completed, the loss is preserved by paying the liquidity provider an LQD paid from the network as a royalty corresponding to the provision of the CRD collateral for a period of time. Can be.

The secured credit mortgage CRD may include a holding CRD of the rental intermediary terminal 200 that brokers the rental product design and rental processing, and for the collection and setting of more CRDs, the rental intermediary terminal 200 Provides the loan application information and the loan product design information according to the verification result to the liquidity security provider terminal 350, and collects CRD provision information corresponding to the design information from the liquidity security provider terminal 350 in an auction manner. Can be set.

When the CRD collected as described above is secured, the intermediary agency terminal 200 generates a loan offer based on the product design information, provides the loan offer to the liquidity lender terminal 100 to receive consent information, and agrees to the loan. The subscription form is transmitted to the subscription market network terminal 400 to be registered on the subscription market network. The loan offer may include at least one of LQD repayment schedule information, collateral CRD quantity information, LQD usage rate information, loan LQD quantity information, issuing intermediary information, and default LQD split recovery period information.

Meanwhile, the liquidity provider terminal 300 may be a terminal of a liquidity holder having an LQD, and may check and output the loan subscription through the subscription market network.

In addition, the liquidity provider may input the LQD provision information for the loan subscription through the liquidity provider terminal 300. The LQD providing information may be, for example, LQD provider information and quantity information of LQD to be provided.

The subscription market network management terminal 400 may receive the LQD providing information on the loan subscription from the liquidity provider terminal 300 and may transmit the received LQD providing information to the intermediary terminal 200.

Accordingly, the intermediary terminal 200 may execute the LQD lease process based on the lease. As the lease process is executed, the liquidity lender terminal 100 may be paid an LQD of the liquidity provider terminal 300 after a predetermined fee reduction, and the CRD of the intermediary terminal 200 or the security provider terminal 350 corresponding thereto. The collateral information may be set during the collateral period. Thereafter, the liquidity lender terminal 100 performs LQD return and LQD fee payment processing after the use of the paid LQD, and the paid fee is based on the use rate of the loan subscription, the terminal 200 and the mortgage provider terminal 350. And distribution to the liquidity provider terminal 300.

Meanwhile, the liquidity lender terminal 100 may receive a credit cryptocurrency CRD as a subscription market network contribution to the rental use after the use and return within the lease period of the LQD, and if the credit history is not repaid within the period, the credit history is subscribed. The market network operation terminal 400 may be recorded in the subscription market blockchain.

In addition, the intermediary terminal 200 holds a certain amount of credit cryptocurrency CRD that can provide collateral, design a loan product, store a process to manage sales based on the lease, LQD rental process and collect LQD royalties And a running terminal. Here, the intermediary terminal 200 may provide the process in the state in which some functions are installed in each lender terminal 100, mortgage provider terminal 350 or 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 can periodically obtain a license renewal from the subscription market network, and can be upgraded the size and condition of the handleable loan accordingly, and the condition grade may be determined according to the amount of credit CRD held. .

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 The terminal 200 may process a credit cryptocurrency CRD collateral setting process.

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 is the liquidity lender terminal 100, the collateral provider terminal 350, the liquidity provider terminal 300, the communication market network management terminal 400, the processing of processing LQD transaction information and The liquidity provider terminal 300 and the liquidity lender for the liquidity setting of the CRD and the liquidity cryptocurrency LQD payment and lending contracts that provide loan subscriptions to the subscription market network and the corresponding credit cryptocurrency CRD as collateral are smoothly concluded. Information exchange processing between the terminals 100 may be performed.

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

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

Meanwhile, the security provider terminal 350 may be a terminal that deposits the CRD through the intermediary terminal 200. To this end, the mortgage provider terminal 350 may view and output the product design information including the application information of the LQD rental user provided by the rental intermediary terminal 200. Here, the product design information may include LQD rental application information and related documents information of the liquidity lender collected by the rental brokerage terminal 200. For example, the product design information may include at least one of required LQD quantity information, usage information, user information, credit information, and authentication information of the LQD rental user provided from the rental application.

In response to the product design information, the plurality of collateral provider terminals 350 may receive CRD provision information for providing collateral for a specific LQD rental application as a credit cryptocurrency CRD. The input CRD providing information may include, for example, collateral CRD quantity information and usage rate information. When the CRD providing information of a plurality of users is input to the product design information, a smart contract logic preset based on a blockchain is provided. As such, the most suitable optimal CRD collateral and usage rate can be determined.

The intermediary terminal 200 may generate an LQD loan subscription based on the determined CRD collateral and the usage rate. In addition, the collateral for the rental application can also be provided in the intermediary agency terminal 200, CRD provided as collateral at the time of the first generation of product design information may be 100% provided by the intermediary terminal 200. .

The mortgage provider terminal 350 secures its own credit cryptocurrency CRD, and when the liquidity cryptocurrency LQD provided from the liquidity provider terminal 300 is leased to the liquidity lender terminal 100, while the rental fee is paid to the LQD. As part of the rental fee, a CRD mortgage fee may be paid. In addition, at the time of lease, credit cryptocurrency CRD can be additionally issued from the blockchain network as a system contribution reward.

In addition, the liquidity provider terminal 300 may receive a fee corresponding to providing the lease of the LQD to the liquidity lender terminal 100, and may obtain a system contribution reward as a CRD. Payment of these amounts and rewards can be processed through electronic wallets based on blockchain networks.

Meanwhile, 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 can be divided and paid to the liquidity provider terminal 300, and at the time of normal lease expiration, credit cryptocurrency according to the platform contribution CRD can be paid.

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 pool 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 generated by the LQD valuation due to the price stabilization transaction may be processed by adjusting the CRD distribution amount. In addition, by selling the CRD as the LQD value stabilization fund, it is possible to supplement the LQD balance pool.

6 to 8 are flowcharts for explaining a process of providing a security and a loan according to an embodiment of the present invention.

6 and 7 illustrate a product design information processing process for a loan credit collateral request. For example, a loan credit Oracle process is illustrated in more detail, and a form of credit Oracle in which a loan credit collateral request from an intermediary agency is product design information is illustrated. When provided to the at least one mortgage provider terminal 350 from the intermediary terminal 200 (S201), each mortgage provider terminal 350 bets information for betting interest rate and CRD to provide collateral in the Dutch auction method You can enter it in Oracle.

Here, the credit Oracle according to an embodiment of the present invention provides the product design information including the application information of the LQD loan applicant to the security provider terminal 350, from the security provider terminal 350 of the user who wants to provide collateral It may be a software or hardware module that receives the CRD and the use rate to be provided and executes one or more processes for determining the optimal CRD collateral setting and use rate, and is executed in the rental intermediary terminal 200 to process the information. May be output. The credit Oracle may be stored and shared in advance in the form of a smart contract in a blockchain network.

Subsequently, the intermediary terminal 200 obtains a loanable LQD quantity table for each CRD usage rate according to credit Oracle input and processing, and secures a confirmation request for confirming the usage rate and provision amount information of the security provider corresponding thereto. It transmits to the provider terminal 350 (S203).

According to 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 secured CRD 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 Reward LQD, which is paid for, can be collected 100% after a certain period of time.

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 application information from the liquidity lender terminal 100 (S101) ).

Here, the liquidity lender terminal 100 may select a brokerage institution that is optimal 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 based on the identity authentication information and supporting documents, and 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 credit Oracle (CREDIT ORACLE), and according to the logic process defined by credit Oracle, the intermediary terminal 200 may secure the CRD of the collateral providers. The offer usage rate, the usage rate at the time of lending the LQD, and the brokerage agency fee may be determined, and a loan proposal issuance proposal corresponding thereto may be generated and transmitted to the liquidity lender terminal 100 (S107).

Then, upon receipt of the consent of the liquidity lender terminal 100, the loan offer 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 exemplary embodiment of the present invention may receive and manage liquidity lender's application information, provide product design information according to rental product design, and set a security corresponding to product design information. In order to process the liquidity lending process of the liquidity provider based on the creation of the secured loan subscription and the loan subscription, the controller 230, the communication unit 220, the user input unit 240, the memory 250, and the intermediary service unit 210. ).

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.

In addition, the communication unit 220 may receive lease application information for lease of the LQD from the liquidity lender terminal 100, and transmit product design information including the received lease application information to one or more mortgage provider terminals 350. And, it may receive the CRD collateral providing information corresponding to the product design information from the collateral provider terminal 350, and transmits the loan offer information based on the CRD collateral providing information to the liquidity lender terminal 100 corresponding to the consent information Receive the loan offer information corresponding to receiving the consent information to the subscription market network management terminal 400, and receive the liquidity providing information of the liquidity provider terminal 300 corresponding to the loan offer information It is possible to transmit the processing information of the liquidity virtual currency LQD according to the received liquidity providing information to the liquidity lender terminal 100 have.

Meanwhile, the user input unit 240 may include one or more interface modules for receiving a user input. The user input unit 240 may receive one or more user inputs for generating product design information in the intermediary agency terminal 200, setting CRD collateral corresponding to the product design information, and creating and registering a loan subscription, and process necessary processes. Can be.

The controller 230 primarily controls 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 control unit 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 according to the rental service and virtual currency transaction information processed by the intermediary service unit 210, receiving and managing the above-described liquidity lender's application information, the product design information according to the rental product design Intermediary service processing for providing the provision, collateral setting corresponding to the product design information, generation of the collateralized loan offer, and the liquidity lending process of the liquidity provider based on the loan offer can be performed.

More specifically, 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 may store and manage the credit virtual currency CRD and the liquidity virtual currency LQD.

Here, the credit cryptocurrency CRD managed by the virtual currency management unit 211 may include a CRD held by the intermediary for licensing and collateral provision, and the CRD provided by the security setting is a subscription network operation terminal 400 for a predetermined period of time. Can be rented. In addition, the credit cryptocurrency CRD obtained as a platform reward may also be stored and managed by the cryptocurrency management unit 211.

In addition, the cryptocurrency management unit 211 may store and manage the LQD information obtained as the fee for use as the liquidity cryptocurrency LQD concludes a rental contract and a rental process corresponding to a rental subscription.

Meanwhile, the rental product design unit 212 may generate product design information based on the LQD rental application information received from the liquidity provider terminal 100. For example, the rental application information may include at least one of required LQD quantity information, usage information, user information, credit information, and authentication information of the rental user received from the liquidity provider terminal 100.

In addition, the product design information may include the lease application information, and may include lease duration, unit lease amount, and lease total restriction information. The product design information may be provided to the security provider terminal 350, and the CRD collateral and the use rate of the rental subscription may be determined according to the reception of the CRD collateral providing information corresponding to the product design information. The determined CRD collateral providing information and the usage rate information may be transmitted to the rental subscription processing unit 214.

The rental subscription processing unit 214 generates a rental subscription based on the CRD collateral providing information, the use rate information, and the product design information, and the generated rental subscription is transmitted to the subscription market network operation terminal 400 to provide the subscription market network. Can be registered on. In addition, the rental subscription may be output from the liquidity provider terminal 300, and the rental contract corresponding to the rental subscription may be concluded according to the LQD provision information received from the liquidity provider terminal 300.

When the LQD provision information is received, the contract execution unit 215 executes a lease contract process according to the contract conclusion. The contract execution unit 215, upon receipt of the LQD provision information of the liquidity provider terminal 300 and the approval information of the liquidity lender terminal 100, the lease contract of the liquidity cryptocurrency LQD secured by the credit cryptocurrency CRD of the loan subscription. It can be processed to be concluded, it can perform the rental account management, transaction information processing and recovery processing of the liquidity cryptocurrency LQD according to the contract, and perform the royalty distribution processing.

On the other hand, the compensation processing unit 216 may obtain a system contribution compensation according to the conclusion of the contract corresponding to the rental subscription and the completion of the recovery of the rental virtual currency, as a credit cryptocurrency CRD from the blockchain network.

Meanwhile, the license manager 213 may periodically obtain license renewal from the subscription market network, and may upgrade the handleable loan size and conditions accordingly, and the condition grade is credit credit held by the virtual currency manager 211. It may be determined according to the amount of CRD. 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, unit amount, total amount, and the like.

To this end, the intermediary terminal 200 may apply for an intermediary license for the subscription market network, and the intermediary terminal 200 may be issued a cryptographic key for electronic signature of the subscription market network as a license code. Opening and sales of intermediary

Meanwhile, the memory 250 may include one or more recording media or storage media for storing and managing information and processes necessary for performing the above-described operation of the intermediary service unit 210 and the processing of the controller 230. .

In addition, referring to FIG. 10, 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.

In addition, the communication unit 352 may be connected to the intermediary agency terminal 200 to receive product design information from the intermediary agency terminal 200, and provide the collateral provision information corresponding to the received product design information to the intermediary agency terminal. The transmission fee of the CRD cryptocurrency for the security provision or the security deposit may be transmitted to the intermediary terminal 200 or the market network operation terminal 400, or the fee for use of the LQD cryptocurrency corresponding to the security provision may be transmitted to the 200. Information can be received.

The user input unit 354 may include one or more interface modules for receiving a user input. In particular, the user input unit 354 may receive the collateral providing information corresponding to the reception of the product design information to the collateral management service unit 351. I can deliver it. Here, the collateral provision information may include at least one of collateral CRD quantity information, collateral provider information, and usage rate information to be provided as collateral.

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.

The collateral management service unit 351 includes a virtual currency management unit 3511, an intermediary agency interworking unit 3512, a collateral management unit 3513, and a compensation processing unit 3016.

The cryptocurrency management unit 3511 may store and manage credit cryptocurrency CRDs held by the collateral provider, and store and manage the CRDs paid as royalties LQDs and platform contribution rewards acquired as the CRDs are provided as collaterals, respectively. have.

In addition, the intermediary interlocking unit 3512 performs interworking processing with the intermediary agency service unit 210 of the intermediary terminal 200 to process the connection with the intermediary terminal 200 and the intermediary terminal 200. Receive and output product design information.

In addition, the intermediary interlocking unit 3512 may perform the processing of viewing the product design information, and the collateral providing information input from the user input unit 354 for the application for providing the collateral CRD during reading, the intermediary terminal 200. Can be sent to.

To this end, the intermediary interworking unit 3512 may receive product design information including rental application information and verification information from the intermediary terminal 200, which may be provided in a blockchain-based smart contract format. Through the user input unit 354, a user may set his / her own usage rate and credit cryptocurrency CRD and input it into the smart contract format.

According to the logic process defined by the smart contract, when the optimal collateral CRD quantity and usage rate are determined, the intermediary terminal 200 determines the usage rates of the security providers, the LQD usage rate, and the brokerage fee. Corresponding rental agreements can be issued, and corresponding contracts can be concluded.

When the contract is concluded, the collateral providing unit 3513 may perform collateral providing processing to the subscription market network for the number of collateral CRDs set by the rental subscription among the CRDs managed by the virtual currency management unit 3511. The secured CRD is maintained in the subscription market network, during which time the secured provider will not be able to trade arbitrarily.

After the collateral provision, the payment processing of the LQD between the liquidity provider terminal 300 and the liquidity lender terminal 100 is performed by the intermediary terminal 200, and the collateral providing unit 3513 has passed a predetermined security period, When the returned LQD is completed, the CRD provided as collateral to the subscription market network may be recovered and transferred to the cryptocurrency management unit 3511.

On the other hand, when the LQD rental and return is completed, the credit system contribution due to the provision of the security of the CRD may be compensated as a CRD, and the reward processing unit 3516 may receive the rewarded CRD from the blockchain network and transfer it to the cryptocurrency management unit 3511 have.

The memory 355 may include one or more recording media or storage media for storing and managing information and processes necessary for performing the above-described operation of the security management service unit 351 and processing of the controller 353. .

Meanwhile, FIG. 11 illustrates a liquidity provider terminal 300. Referring to FIG. 11, the liquidity provider terminal 300 according to an embodiment of the present invention may include a control unit 303, a communication unit 302, and a user input unit 304. ), A memory 305 and a liquidity service unit 301.

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 communication unit 302 may access the subscription market network operated by the subscription market network operation terminal 400 and receive rental subscription reading information issued and registered by the intermediary agency terminal 200. In addition, the communication unit 302 may receive the liquidity providing information corresponding to the loan subscription and transmit it to the intermediary agency terminal 200, and transmit the LQD transaction information corresponding to the contract conclusion of the rental agreement to the liquidity lender terminal 100. In addition, the LQD rental fee and LQD return transaction information corresponding thereto may be received from the liquidity lender terminal 100.

The user input unit 304 may include one or more interface modules for receiving user input. More specifically, the user input unit 304 may receive one or more user inputs for selecting a rental subscription and approving an LQD.

On the other hand, the controller 303 may control 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 the liquidity service processing 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 of 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. 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, a market linking unit 3012, a rental subscription approval unit 3014, a contract execution unit 3015 and a compensation processing unit 3016.

The virtual currency management unit 3011 may store and manage the liquidity cryptocurrency LQD possessed by the liquidity provider, and may process payment to the liquidity lender terminal 100 according to a contract of the rental agreement.

In addition, the market linking unit 3012 allows the liquidity service unit 301 to access the subscription market network, and receives the browsing information for reading the rental subscription information issued and registered in the subscription market network by a plurality of intermediary terminals. Output processing can be performed. 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 the user input input through the user input unit 304.

Thereafter, the contract execution unit 3015 may deliver the LQD providing information to the intermediary terminal 200 according to the execution of the contract, and the liquidity of the liquidity cryptocurrency LQD requested by performing the rental process of the intermediary terminal 200. It can be paid by the electronic wallet of the lender terminal 100. In addition, the contract execution unit 3015 stores and manages the LQD and rental fee information returned from the liquidity lender terminal 100, and may use the virtual currency management unit 3011 for this purpose.

In addition, if the LQD is not returned until the lease expiration date, the contract execution unit 3015 provides the LQD to be paid to the security provider terminal 350 from the subscription market network as a credit fee of the CRD provided as collateral, for a period of time. As the processing is acquired by the terminal 300, it may be 100% preserved at a time point when a certain period of time reaches.

Also, at the time of lease expiration, the reward processing unit 3016 may additionally issue a credit cryptocurrency CRD from the blockchain network as a system contribution reward.

The memory 305 may include one or more recording media or storage media for storing and managing information and processes necessary to perform the above-described operation of the liquidity service unit 301 and the processing of the controller 303.

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 communicator 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. In addition, the communication unit 120 transmits the LQD rental application information to the intermediary agency terminal 200, receives the loan subscription issuance information corresponding to the rental application information, transmits corresponding consent information, and corresponds to the rental subscription. Receive the LQD payment transaction information according to the contract conclusion from the liquidity provider terminal 300, and transmits the LQD return transaction information to the liquidity provider terminal 300, the fee for use information brokerage terminal 200, the liquidity provider terminal 300 Or it transmits to the security provider terminal 350.

The user input unit 140 may include one or more interface modules for receiving a user input. More specifically, the user input unit 140 may receive lease application information for LQD lease application, receive agreement information for a rental agreement, or receive LQD transaction information for return.

The controller 130 may control the overall operation of the conventional terminal 100 and may provide storage and processing of distributed transaction information received from the blockchain network. The controller 130 may further include the rental processing unit 110. When the transaction information for the rental service and the transaction information of the virtual currency or the cryptocurrency are input, the transaction information for requesting the approval of the transaction information may be provided to the blockchain network. The rental service and the virtual currency transaction information processed by the rental processing unit 110 may be pre-registered as a code form 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.

Then, the rental processing unit 110 is connected to the intermediary agency terminal 200, provides the loan application information to the intermediary agency terminal 200, and receives the loan offer issuance proposal information secured CRD corresponding to the rental application information When the loan offer is issued to the market network, the LQD is leased by the conclusion of a contract corresponding to the loan offer and the fee is paid. And a refund process, and may receive a CRD as a reward upon completion of the refund.

To this end, the rental processing unit 110 may receive rental application information through the user input unit 140. The rental application information may include, for example, at least one of required LQD quantity information, usage information, user information, credit information, and authentication information of the renting user. In addition, the required LQD quantity information may be calculated from the amount converted into other currencies. For example, when the required bitcoin quantity information is input, the quantity of converting the input bitcoin quantity information into the LQD may be determined as the required LQD quantity information.

The loan application information input as described above may be provided to the above-described security provider terminal 350 through the intermediary agency terminal 200, and a rental offer issuance proposal may be generated by the security CRD provision setting.

For issuance of a lease, the rental processing unit 110 may receive and output issuance proposal information (issuing intermediary information, amount information, royalty rate information, and LQD split collection period information by default) from the intermediary agency terminal 200. The loan processing unit 110 may process the consent information input through the user input unit 140 to be transmitted to the intermediary agency terminal 200. Accordingly, the agreed lease offer may be issued to the offer market network.

Thereafter, the rental processing unit 110 may receive the LQD provision information of the liquidity provider terminal 300 from the intermediary agency terminal 200, and the approval and the conclusion of the contract may be determined according to the user approval input. When the rental is determined, the rental processing unit 110 may process the payment of the liquidity virtual currency LQD 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 occurs over a period of time, an unpaid credit history due to repayment 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, by providing distributed transactions of verifiable cryptocurrency with general transactions, it is possible to prevent social side effects and embezzlement in accordance with the use place 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 and the role and function of each component 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, while the preferred embodiments of the present invention have 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 prospect of the present invention.

Claims (4)

A function of issuing a loan subscription provided on an intermediary terminal and providing a liquidity virtual currency to the liquidity lender terminal with the credit virtual currency provided from the security provider terminal as collateral on the subscription market network;
Is provided in the liquidity lender terminal, receiving the loaned liquidity virtual currency according to the function of applying for the lease of the liquidity cryptocurrency to the terminal agency terminal, and the lease conditions of the lease agreement issued by the terminal agency; And a program for executing a function.
According to claim 1, The program,
In the liquidity lender terminal, according to the repayment processing of the leased liquidity cryptocurrency, as a contribution market network contribution through the lease and repayment, recorded a program for further executing the function to receive credit cryptocurrency from the network And a computer-readable recording medium.
According to claim 1, The program,
A function of designating a loan product according to the loan offer, provided in the terminal of the intermediary, using virtual currency as collateral;
The ability to store and execute processes for selling and managing loan products; And
According to the approval of the loan offer or the redemption process of the rented liquidity cryptocurrency, as a contribution to the subscription market network, a program for further executing the function of issuing the credit cryptocurrency is recorded. Record carrier.
According to claim 1, The program,
A computer-readable record provided in the intermediary terminal terminal, the intermediary terminal recording a program for further executing a function of periodically acquiring a license update from the subscription market network according to the amount of credit cryptocurrency held by the intermediary terminal; media.

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