KR20200013195A - Method and system for synchronizing fintech to coin and hash - Google Patents

Abstract

The present invention relates to a method and a system for synchronizing a fintech currency and a hash. The method comprises: a fintech generation step in which a fintech is generated by a currency; and a hash storing step of storing the fintech generated in the fintech generation step in a hash of a blockchain. The system comprises: a first server in which the fintech is generated by the currency; and a second server which stores the fintech generated by the first server in the hash of the blockchain. According to the system and method, the currency deposited to a bank is converted into a fintech currency, and the converted fintech is stored and distributed in a blockchain of a cryptocurrency, thereby securing safety and providing diversification of a new financial technology.

Description

Method and system to synchronize fintech currency and hash {METHOD AND SYSTEM FOR SYNCHRONIZING FINTECH TO COIN AND HASH}

The present invention relates to a method and system for storing hashes of fintech currencies and blockchains.

Korean Patent Publication No. 10-1436726 discloses a transfer processing apparatus and a method for allowing two or more items to be input in response to a single transfer account in a bank transfer transaction. In addition, Korean Patent Publication No. 10-1489755 discloses a financial service method and system that can transfer money to the other party's account using the other party's phone number.

On the other hand, even in the case of money transactions without personal loans, most of them do not prepare money loans or loans. This is because if you are borrowing transactions between individuals and ask them to write an IOU, it is as if you don't trust it. In particular, most borrowers do not fill out a loan when they are making a loan deal with a friend, lover or acquaintance.

Document 1: Korea Patent Publication No. 10-1436726 (Announcement on Sep. 01, 2014) Document 2: Korean Registered Patent Publication No. 10-1489755 (August 12, 2015)

The present invention provides a method and system for storing hashes of fintech currencies and blockchains.

Fintech call and hash synchronization method according to an embodiment of the present invention, the fintech generation step of generating a fintech by the call; And a hash storage step of storing the pintech generated in the pintech generation step in a hash of the convex chain.

And receiving transfer notarization request information from the first trader device, the second trader information and the transfer amount of money to be transferred to the deposit account of the second trader; Generating borrow fact data using the transfer notarization request information; Sending the borrow fact data to a second trader device; Notarizing a consumer loan transaction between the first trader and the second trader by receiving and storing borrow agreement data for the loan fact from the second trader device; Requesting the transfer server to transfer the transfer amount to the deposit account of the second trader after completion of the notary.

In addition, the step of requesting the transfer server may include the step of requesting a withdrawal amount from the first withdrawal account of the first trader to the fintech account; And requesting a transfer amount from the parent company's account to the deposit account of the second trader.

According to another embodiment of the present invention, a synchronization system of a fintech call and a hash may include: a first server in which a fintech is generated by a call; And a second server storing the generated fintech by the first server in the hash of the convex chain.

And a transfer notarization request receiving unit for receiving the notarization request information including the second trader information and the transfer amount from the first trader device; Consumption between the first trader and the second trader by generating borrow fact data using the received transfer notarization request information and transmitting it to the second trader device, and receiving and storing borrow consent data for the borrow fact from the second trader device. A transfer notarization processing unit notarizing a loan transaction; And a transfer request unit for requesting the transfer server to transfer the transfer amount to the deposit account of the second trader after the notarization is completed by the transfer notarization processing unit.

In the present invention, the transfer request unit, withdrawal request unit for requesting the transfer amount from the automatic withdrawal account of the first trader to the fintech account; And a deposit requesting unit for requesting a transfer amount from the fintech parent account to the deposit account of the second trader.

And the transfer notarization processing unit by using the automated response service (automated response service, ARS) is characterized in that the transfer the borrowed fact data to the second trader device by voice, and receives and stores the borrowed consent data from the second trader device.

According to the method and system of the present invention, the currency deposited in the bank is converted into a fintech currency, and the thus converted fintech is stored and distributed in the blockchain of cryptocurrency, thereby securing safety and providing new financial techniques. The effect of providing diversification occurs.

The fintech call and hash synchronization system may include a first server, a second server, a fintech server, and a transfer server. However, the fintech call and hash synchronization system does not necessarily include all of them, and may include only some of them. For example, the synchronization system of the fintech call and the hash may include only the fintech server, may include the fintech server and the transfer server, and may further include other configurations.

The first server and the second server are devices used by the first trader and the second trader, respectively, and are communication devices having communication and computing functions. Here, the first trader and the second trader are parties to a consumer loan transaction, hereinafter, for convenience of explanation, the first trader is interpreted as a lender and the second trader is interpreted as a lender. The communication devices used by the first trader and the second trader include a smart phone, a synchronous / asynchronous international mobile telecommunication-2000 capable of wireless communication, a personal digital assistant, a personal digital assistant (PDA), Examples include a WAP phone, a notebook PC, a desktop PC, and a Palm personal computer.

An application that can use a transfer notary service provided by the fintech server 300 may be installed in the first server. The application is a fintech app that allows users to transfer funds to their counterparts more easily than with traditional transfers. This fintech app can support notarization for transfer history in addition to simple transfer service. After the first trader downloads the Fintech app on the first trader device, installs and registers through the Fintech app, the first trader can use a transfer notarization service provided by the Fintech server through the Fintech app. The second trader can also install the fintech app on the second server and register to receive the service.

For reference, in the present specification, a transfer notarization service is a service for verifying the contents of a consumer loan transaction between a first trader and a second trader, that is, an amount transferred from the first trader to the second trader according to the consumer loan transaction. It is a service to prove that it is. Throughout this specification, the term 'notary' is used, which is intended to prove consumption loan transactions between a first trader and a second trader. Throughout this specification, the term 'notary' may be replaced with the term 'evidence'. have.

Fintech server is a server that can be operated by an electronic banking company. The fintech server 300 basically provides an indirect transfer service using an automatic withdrawal service. As is well known, the automatic withdrawal service is also known as a cash management service (CMS), in which a fintech server works with a transfer server to automatically withdraw funds from a member's financial account registered as an automatic withdrawal account at the time of membership. Say. Here, the fintech parent account may be referred to as a CMS account.

Fintech server can use this automatic withdrawal service to provide the transfer service to the member. Specifically, in response to the transfer request of the first trader, the fintech server is linked with the transfer server and the transfer amount is transferred from the fintech's automatic withdrawal account. It can be transferred to the parent account and from the fintech parent account to the second trader's deposit account.

Furthermore, the fintech server according to an aspect requests the transfer server to transfer the transfer amount requested from the first trader to the deposit account of the second trader for consumption loan transactions between the first trader and the second trader, A consumer loan transaction between the first trader and the second trader may be notified before the transfer to the depositor's deposit account.

The transfer server may be a server operated by a financial company such as a bank. The transfer server 400 provides a money transfer service. In addition, the transfer server may provide an automatic withdrawal service in conjunction with the fintech server. The transfer server may transfer funds from the first trader's automatic withdrawal account to the fintech parent account at the request of the fintech server, and transfer the funds from the fintech mother account to the second trader's deposit account.

Meanwhile, the communication network may include a plurality of heterogeneous networks and may support a plurality of communication protocols. For example, the communication network supports at least some of the communication protocols such as TCP / IP, IPX, SPX, NetBIOS, Ethernet, ARCNET, Fiber Distributed Date Interface (FDDI), IEEE 802.11, IEEE 802.11a, and direct synchronization connection. . For reference, the fintech server and the transfer server may be connected through a separate dedicated network.

The fintech server includes a communication unit, a storage unit, and a control unit. The communication unit is a communication module that connects to a communication network and transmits and receives signals with external communication devices. The storage unit is a storage medium having a storage space for data storage, and the type of storage medium is not limited. Member information is stored in the storage unit. The member information includes the member name and the member's automatic withdrawal account information (account bank and account number). In addition, the member information may further include a telephone number. In addition, the member information may further include unique identification information of the fintech app installed in the member's communication device. The controller may include a hardware and an operating system including one or more processors.

The control unit may include a transfer notarization request receiving unit, a transfer notarization processing unit, and a transfer request unit, and further include a reimbursement notification unit. All of these configurations can be implemented in software. In one embodiment, the transfer notarization request receiving unit, the transfer notarization processing unit and the transfer request unit for providing a transfer notarization service according to the transfer notarization request from the first server, and operates in conjunction with the Fintech app running on the first server can do.

The transfer notarization request receiving unit receives the transfer notarization request information from the first server. The transfer notarization request information is a message requesting the notarization of the transfer fact together with the transfer request to transfer funds from the account of the first trader to the account of the second trader. Such transfer notarization request information includes the transfer amount and information on the second trader.

For example, the second trader information includes account information of the second trader. As another example, the second trader information may include a phone number of the second trader and may further include a name. In addition, the transfer notarization request information may further include at least one of a repayment date and an interest rate for the transfer amount in addition to the second trader information.

The transfer notarization processing unit generates borrow fact data using the transfer notarization request information. That is, to generate data related to the fact that the second trader borrows funds from the first trader. Here, the fact that the transfer notarization processing unit generates borrow fact data using the transfer notarization request information does not mean that the borrow notarization data is generated only with the transfer notarization request information. This means that borrowed fact data can be created by adding data already held by a notary transfer server or data that can be provided from the outside.

 In one embodiment, the borrowing fact data includes the first trader's name, the second trader's name and account information (bank, account number), and the transfer amount (borrowing amount). In addition, the borrowing fact data may further include at least one of a repayment date and an interest rate. Among them, the name of the first trader may be obtained from the member information stored in the storage unit. In addition, information not present in the transfer notarization request information among the name, phone number, and account information of the second trader may be obtained from the storage unit or the second server.

For example, when there is only the account information of the second trader in the second trader information of the transfer notarization request information, the transfer notarization processing unit searches the storage 320 with the account information of the second trader and searches the name and telephone of the second trader. The number can be obtained.

As another example, when the second trader information of the transfer notarization request information includes only the telephone number of the second trader, the transfer notarization processing unit may search the storage to obtain the name and account information of the second trader. Of course, in the above examples, the second trader will have to be registered as a member in advance.

If the second trader is not registered as a member, information about the second trader cannot be obtained from the storage. In this case, the transfer notarization request information may include both the name of the second trader, account information, and a telephone number.

Otherwise, the transfer notarization request information may include only the name and phone number of the second trader or the phone number. In the latter case, the transfer notarization processing unit requests the second trader's account information, or the account information and name of the second trader, to the second trader device identified by the telephone number using the telephone number included in the transfer notarization request information. Can be obtained

have.

For example, the transfer notarization processing unit connects an automated response service (ARS) call to a second server and receives account information from the second server. As another example, the transfer notary processing unit transmits a message to the second server via a URL link for receiving account information, and receives the account information from a second server connected through the URL link. In this way or in any other way, the transfer notary processing unit may obtain the second trader information from the second server.

The transfer notarization processing unit sends the borrowing fact data to the second trader device identified by the telephone number of the second trader, and in response, receives and stores the borrowing consent data for the borrowing fact from the second server. Notarize borrowing transactions between second traders. In one embodiment, the transfer notarization processor voice-transfers the borrowing fact data to the second server using ARS, receives and stores the borrowing consent data from the second trading device, and borrows between the first trading data and the second trading data. Notarize the transaction.

This will be explained further. The transfer notarization processing unit may generate borrow fact data using the notarization request information of the transfer and notarization data stored in advance in the storage unit. Here, the notarized data says, “A lent B's E to B's account D with interest and G%. If you agree with the transaction, you can include a voice memo, such as "I agree."

The synchronization method of the fintech call and the hash by the above system is as follows.

The first trader connects online to the transfer server using a FinTech app installed on the first server to transfer money to the second trader. The first server receives the transfer notarization request information from the first trader through the FinTech app. The transfer notarization request information may include information of a second trader and a transfer amount. The first trader device transmits the transfer notarization request information to the fintech server. The fintech server receives the transfer notarization request information, and generates borrow fact data using the received transfer notarization request information. The borrowing fact data may include the first trader's name, the second trader's name and account information (bank, account number), and the transfer amount (borrowing amount). As described above, the name of the first trader may be obtained from the storage of the fintech server, and some information of the second trader may be obtained from the storage of the fintech server or the second server.

The fintech server communicates with the second server. In one embodiment, a fintech server

And the second server are connected by ARS call. The fintech server sends the borrow fact data to a second trader device that is connected in communication. In other words, the fact that the second trader borrows money from the first trader and transmits borrowing fact data for consent.

The fintech server receives the borrowing agreement data from the second server and analyzes it to determine whether the second trader has agreed to the borrowing fact.

If the notary is successfully processed, the Fintech server requests a withdrawal from the transfer server. Here, the withdrawal request is a request to withdraw the transfer amount from the automatic withdrawal account of the first trader and transfer it to the fintech mother account. The transfer server processes the withdrawal according to the withdrawal request of the fintech server and responds to the withdrawal fact with the fintech server.

In addition, the fintech server requests a deposit to the transfer server. Here, the deposit request is a request to withdraw the transfer amount from the fintech mother account and to deposit to the deposit account of the second trader. The transfer server processes the deposit according to the deposit request of the fintech server, and responds to the deposit fact to the fintech server 300.

The fintech server notifies that the withdrawal is completed to the first server and notifies that the deposit is completed to the second trader device.

What has been described above is for implementing a method and system for synchronizing a fintech call and a hash according to the present invention, and is not limited to the above-described embodiment of the present invention, as claimed in the following claims. Without departing from the scope of the present invention, those skilled in the art will have the technical idea of the present invention to the extent that various changes can be made.

Claims (7)

A fintech generation step of generating a fintech by a call; And
And a hash storage step of storing the pintech generated in the pintech generation step in the hash of the convex chain. 2. The method of claim 1, further comprising: receiving transfer notarization request information from the first trader device, the second trader information and a transfer amount to be transferred to a deposit account of the second trader;
Generating borrow fact data using the transfer notarization request information;
Sending the borrow fact data to a second trader device;
Notarizing a consumer loan transaction between the first trader and the second trader by receiving and storing borrow agreement data for the loan fact from the second trader device;
Requesting a transfer server for the transfer amount to be transferred to a deposit account of a second trader after completion of the notary. The method of claim 2, wherein requesting the transfer server is:
Requesting a withdrawal amount from the first trader's automatic withdrawal account to the fintech parent account; And requesting a transfer from the fintech parent account to the depositor's deposit account of the second trader. A first server on which a fintech is generated by a call; And
And a second server configured to store, by the first server, the generated fintech in a hash of the convex chain. The apparatus of claim 4, further comprising: a transfer notarization request receiver configured to receive transfer notarization request information including second trader information and a transfer amount from the first trader device;
Consumption between the first trader and the second trader by generating borrow fact data using the received transfer notarization request information and transmitting it to the second trader device, and receiving and storing borrow consent data for the borrow fact from the second trader device. A transfer notarization processing unit notarizing a loan transaction; And a transfer request unit for requesting a transfer server to transfer the transfer amount to the deposit account of the second trader after the notarization is completed by the transfer notarization processing unit. The apparatus of claim 2, wherein the transfer request unit comprises: a withdrawal request unit for requesting a transfer amount from an automatic withdrawal account of a first trader to a fintech account; And
And a deposit requesting unit for requesting a transfer amount from a fintech parent account to a deposit account of a second trader. The apparatus of claim 6, wherein the transfer notarization processing unit transmits the loan fact data to the second trader device by voice using an automated response service (ARS), and receives and stores the borrowed consent data from the second trader device. And a synchronization system of a fintech call and a hash.