KR20200054904A - System and method for account receivable certification and securitization service using blockchain technology - Google Patents

Abstract

The present invention provides an accounts receivable authentication and securitization service through blockchain security technology and a process of verifying authenticity of accounts receivable. A blockchain network includes at least two of a seller/buyer terminal, a market terminal, a credit reinforcement institution terminal, or an investor terminal.

Description

Receivables authentication and securitization service system and method using blockchain technology {SYSTEM AND METHOD FOR ACCOUNT RECEIVABLE CERTIFICATION AND SECURITIZATION SERVICE USING BLOCKCHAIN TECHNOLOGY}

The present invention relates to a system and method for the authentication of receivables and a liquidation service using blockchain technology.

In general, asset securitization is a special purpose company (SPC) that transfers or trusts a securitized asset from an asset holder to issue securitized securities based on it, resulting in profits or borrowings from management, management, and disposal of the securitized asset. Refers to a series of acts of paying principal or dividends of securitized securities. Here, the assets may include general assets such as various bonds such as trade receivables, financial institution loans, and lease bonds, and real estate.

During the asset securitization, the construction receivables securitization refers to a form in which a company can work and receive a price for it, and it needs to be dispatched right away. .

In the past, the securitization of trade receivables is a method in which financial institutions lend to trade receivables between sellers (bond owners) and buyers (repayers). In executing the loan, the loan and the buyer's credit were guaranteed through the solidarity guarantee for the seller and the buyer, but if there is a problem or bankruptcy of the seller or the buyer, the loan cannot be recovered. As a method of selling to a person, a part of the loan was recovered, resulting in a loss of resources and a waste of resources.

In the event of a bond between the seller (the owner of the bond) and the buyer (the obligation to repay), the company intends to provide a service that improves liquidity by supporting it with funds even before maturity of the bond.

In accordance with the present invention, a system and method for receivable authentication and liquidation service, the blockchain network includes at least two or more of a seller / buyer terminal, a market terminal, a credit reinforcement institution terminal, or an investor terminal, and the seller / buyer terminal is , Generates and transmits receivables information, and the market terminal receives the receivables information, generates receivables analysis details based on the received information, and issues a certificate based on the generated receivables analysis details And transmits the issued certificate, and the credit reinforcement institution terminal receives the certificate, adds the credit reinforcement content to the certificate based on the received certificate, and transmits the certificate to which the credit reinforcement content is added, The investor terminal receives the certificate and generates the receivables securitization information based on the received certificate. Transmit, and information related to trade receivables is distributed and stored in the blockchain network in the form of blocks based on blockchain technology, wherein the information related to trade receivables is at least one of trade receivable information, certificate, or trade receivables information It may be characterized by including one.

In the system and method of receivables authentication and liquidation service according to the present invention, the receivables authentication and liquidation service system further includes a blockchain holding server, and the blockchain network is formed by including the blockchain holding server. It can be characterized as.

In the system and method for authenticating and reimbursing trade receivables according to the present invention, at least one of the seller / buyer terminal, the credit institution terminal, the investor terminal, the market terminal, or the blockchain holding server, the receivable trade receivable It may be characterized in that digitally sign the information related to using the private key, and transmit the public key generated based on the private key together with the information related to the trade receivable to be transmitted.

In the system and method for authenticating and receivating trade receivables according to the present invention, the distributed storage receives information related to the receivables through a blockchain network and retrieves the received information using a public key received together. And a validity review, and storing the received information if it is valid.

In the system and method for authenticating and receivating trade receivables according to the present invention, the validity review includes a first value applying a hash function to information related to trade receivables of information related to the digitally signed trade receivables and the digitally signed sales The digital signature of the information related to the bond may be compared with the second value decrypted with the public key, and may be characterized as valid if the first value and the second value are the same.

In the system and method for receivables authentication and securitization service according to the present invention, the receivables analysis details include: Risk Index (trade repayment risk and transaction risk index reflecting transaction risk), Asset Pricing (market value of trade receivables), It can be characterized in that it is generated considering at least one of Pay Index Monitoring (index of repayment / transaction status and volatility of financial receivables, financial structure status and volatility).

In the system and method for authenticating and receivable accounts receivable according to the present invention, the block includes at least one of block hash, block header information, or information related to the receivable, and the block hash is in the block header information. It is calculated by applying a hash function, and the block header information may include a block hash of a block that transmits information related to the trade receivable to the block.

In the system and method for receivable authentication and liquidation service according to the present invention, the certificate includes at least one of an anti-money laundering (AML) function or a liquidation limit function, a receivables authentication and liquidation service system .

The features briefly summarized above with respect to the present invention are merely exemplary aspects of the detailed description of the present invention described below, and do not limit the scope of the present invention.

According to the present invention, it prevents transaction risks due to defaults between sellers (bond owners) and buyers (repayers), quantifies transaction risk through effective risk management and big data analysis, and based on this Investors (financial institutions / P2P) through credit reinforcement can provide convenient financing at low cost.

According to the present invention, in the case of bonds, due to the short-term characteristics and severe fluctuations in the transaction type, it is possible to continuously monitor the settlement form of the transaction price, financial transaction stability, etc., thereby contributing to sound trading practices and reliable financial activation. In addition, it can directly deal with small and medium-sized business finance on B2B, and it can reduce social costs by providing investors with bidding.

1 is a block diagram of a trade receivable authentication and securitization service system using blockchain technology.
2 is a view showing an example of the form of a block in the blockchain.
3 is a diagram illustrating a method for reviewing digital signatures and validity.
4 is a diagram illustrating an example of a flow chart of calculating the value of a receivable in asset pricing calculation.
5 is a diagram hierarchically illustrating considerations in calculating the value of individual receivables.
6 is a view showing OPC, FFC analysis and rating considered for Pay Index Monitoring.

The present invention can be applied to various changes and can have various embodiments, and specific embodiments will be illustrated in the drawings and described in detail in the detailed description. However, this is not intended to limit the present invention to specific embodiments, and should be understood to include all modifications, equivalents, and substitutes included in the spirit and scope of the present invention. In describing each drawing, similar reference numerals are used for similar components.

Terms such as first and second may be used to describe various components, but the components should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from other components. For example, the first component may be referred to as a second component without departing from the scope of the present invention, and similarly, the second component may be referred to as a first component. The term 'and / or' includes a combination of a plurality of related described items or any one of a plurality of related described items.

When an element is said to be "connected" or "connected" to another component, it is understood that other components may be directly connected to or connected to the other component, but other components may exist in the middle. It should be. On the other hand, when a component is said to be "directly connected" or "directly connected" to another component, it should be understood that no other component exists in the middle.

The terms used in the present application are only used to describe specific embodiments, and are not intended to limit the present invention. Singular expressions include plural expressions unless the context clearly indicates otherwise. In this application, terms such as “include” or “have” are intended to indicate that a feature, number, step, operation, component, part, or combination thereof described in the specification exists, one or more other features. It should be understood that the existence or addition possibilities of fields or numbers, steps, operations, components, parts or combinations thereof are not excluded in advance.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. Hereinafter, the same reference numerals are used for the same components in the drawings, and duplicate descriptions for the same components are omitted.

In the 4th industrial revolution, blockchain technology that distributed and managed the so-called ledger appeared. The biggest advantage of the blockchain technology is that it is impossible to hack and falsify / tamper with each participant encrypting and storing the same record. In addition, it has the advantage of reducing the involvement of central institutions, thereby reducing the cost and expanding the participation of investors in bidding.

By utilizing these points in the securitization of trade receivables, we intend to provide a service that improves liquidity by supporting the funds for bonds even before maturity in the event of a bond through the transaction between the seller (bond owner) and the buyer (reimbursement obligation).

Specifically, in the securitization of trade receivables, information related to trade receivables is encrypted to protect against forgery and forgery, and the authenticity of the receivables can be authenticated. As a result, a stable loan is executed during the financial period, the seller securely secures the sale price, and the buyer can create a virtuous cycle structure in which the purchase price is repaid in a timely manner.

Table 1 below shows the effects of roles and roles of sellers and the like in the receivables authentication and liquidation service system using blockchain technology.

division role effect Seller (bond owner) -Supply of goods
-Electronic (tax) statement issuance -Early fund recovery Buyer (reimbursement obligation) -Buy goods
-Receive electronic (tax) invoice -Opportunities for fund management Market -Electronic (tax) invoice transaction confirmation and management
-Provide basic information related to credit -Bond registration fee
-Brokerage discount brokerage fee Credit reinforcement agency
(Insurance / Guarantee) -Credit reinforcement -Warranty and insurance fees investor
(Financial institution / P2P) -Trade receivable discount (fund support) -Reduce marketing costs
-Increasing investment income

1 is a block diagram of a trade receivable authentication and securitization service system using blockchain technology.

// Configuration

Referring to Figure 1, the trade receivable authentication and liquidation service system using the blockchain technology, the seller / buyer terminal 101, credit reinforcement institution terminal 102, investor terminal 103, market terminal 104, or block It may include a chain holding server 105. Here, the blockchain holding server 105 may be composed of a plurality of nodes.

// Network relationship between terminals and servers

The blockchain network can be formed of at least two or more nodes. The node may include nodes in the terminals 101, 102, 103, and 104 and the blockchain holding server 105. The nodes are connected to each other with a communication network capable of data transmission / reception to transmit / receive data between them. Here, the terminals may be fixed or mobile terminals.

The communication network may include a telephone network, a comprehensive information communication network, a data communication network, a CATV network, a wireless communication network, a mobile communication network, a satellite communication network, and a high-speed communication network. The communication network may be implemented using a wired communication method, a wireless communication method, or a composite communication method. The wireless communication method, for example, WiFi (wireless fidelity), WiFi Direct, BT (Bluetooth), NFC (near field communication), GPS (global positioning system), cellular (cellular) communication (eg, LTE, LTE- A, CDMA, WCDMA, UMTS, WiBro or GSM, etc.). The wired communication method may include, for example, at least one of a universal serial bus (USB), a high definition multimedia interface (HDMI), a recommended standard 232 (RS-232), and a plain old telephone service (POTS). . The composite communication method may be a communication method utilizing both the wired and wireless communication methods.

// Blockchain network

Multiple nodes in the blockchain network can store and store transaction information in the form of blocks. Here, the transaction information may include information related to trade receivables, and the information related to trade receivables may include at least one of trade receivable information, certificates, and trade receivables information.

Distributed storage is a process in which the node receiving the transaction information reviews the validity of the transaction information, and if the transaction information is valid as a result of the review, the transaction information is stored in a block form and the transaction information is transmitted to another node. Can be performed with For example, the transaction information is stored in the first node and transmitted by the first node to the second node, and the transmitted transaction information can be stored in the second node and sent back by the second node to the third node. have. Accordingly, the distributed storage may indicate that transaction information is distributed and stored in the form of a block to a plurality of nodes in all or part of the blockchain network through the above process.

// block type

2 is a view showing an example of the form of a block in the blockchain.

Referring to FIG. 2, the blockchain may be an aggregate of blocks made by connecting blocks. The block may be a bundle of valid transaction information.

The block may include block hash, block header information, transaction information (e.g., information related to accounts receivable), and the like. The block header information includes Version (number of block versions), Previousblockhash (block hash of the block located immediately in front of the blockchain), Merklehash (hash value located at the tree root of transaction information composed of binary tree), Time ( Block creation time), Bits (difficulty adjustment value), Nonce (counter to get a value lower than a specific target value).

The block hash, as an identifier of the block, may use the block header information as an input value and indicate a value calculated by applying a hash function. The block hash can be stored in the previous blockhash of a block connected to the next in the blockchain in the form of a hash value. Here, the hash function may represent a function for converting an input value into data of a fixed length (hash).

For example, the first node receiving the first valid transaction information may store the first block hash and transaction information in the form of a block, and transmit the transaction information to the second node. The second node receiving the transaction information may store a second block hash in the form of a block, transaction information, and a second block header in which the first block hash is stored as Previousblockhash and transmit the transaction information to a third node. . The third node receiving the transaction information stores the third block header, the transaction information, and the third block header in which the second block hash is stored as Previousblockhash in the third block in the same manner as the second node, and the transaction information in another node. Can be sent. In this way, transaction information is continuously transmitted / received, a plurality of blocks are unidirectionally connected to the Previousblockhash of the block header, and the plurality of blocks can store transaction information in the form of a block.

If a hash value is used, a completely different hash value is created even with a very small change in the original information, so it is easy to check whether the original data is forged or falsified. In addition, since only one-way conversion is possible, the original information cannot be restored using only the hash value, which is a safe advantage from hacking.

// digital signature and validity review

3 is a diagram illustrating a method for reviewing digital signatures and validity.

Referring to FIG. 3, the validity review may be performed using digitally signed transaction information.

The digitally signed transaction information applies a hash function to the transaction information, encrypts the result value of the hash function using an asymmetric key, performs digital signature using the encrypted value, and digitally applies the transaction information to the transaction information. It can be created by attaching a signature. Here, the asymmetric key may include a private key and a public key. Here, the private key is a key that ensures that the owner of the asset (eg, trade receivables) can add transaction information (eg, information related to trade receivables) to the blockchain, and the public key is the This is the key used to determine authenticity.

Validation review compares the first hash value to which the hash function is applied to the transaction information of the digitally signed transaction information, and the second hash value to which the digital signature of the digitally signed transaction information is decrypted with the public key, and the first hash value and the second hash value. If the hash value is the same, it can be performed by a method of determining that it is valid, and if it is not, it is invalid.

// seller / buyer terminal

The seller / buyer terminal 101 may include an input unit, a control unit, a storage unit, and a communication unit.

The communication unit may perform network communication with at least one of the other seller / buyer terminal 101, the credit institution terminal 102, the investor terminal 103, the market terminal 104, or the blockchain holding server 105. .

The input unit may include sales receivable information and credit reinforcement request information by a seller and a buyer (hereinafter, including a third party delegated by the seller or the buyer) for the trade receivable that holds the blockchain private key. Here, the trade receivable information may include at least one of seller and buyer information, transaction details, or an electronic tax invoice issuance history for the trade receivable. Here, the credit enhancement request information may include information necessary for a seller or a buyer to request a credit enhancement to a credit enhancement agency.

The controller digitally signs at least one of the inputted receivable information or credit enhancement request information using the private key, generates a public key based on the private key, and generates the digitally signed receivable information and public key. Through the communication unit may be transmitted to at least one of the other seller / buyer terminal 101, credit institution terminal 102, investor terminal 103, market terminal 104, or blockchain holding server 105.

The control unit receives information related to trade receivables (sales receivables information, trade receivables liquidation information, certificates, etc.) through the communication unit, queries the received information, etc. using the public key received together, and receives the information If it is valid according to the above-described validity review method, the valid information may be transmitted to the storage unit and stored.

The storage unit may include a memory capable of storing information.

// market terminal

The market terminal 104 may include a trade receivable analysis unit, a certificate issuing unit, a control unit, a storage unit, and a communication unit.

The communication unit may perform network communication with at least one of a seller / buyer terminal 101, a credit institution terminal 102, an investor terminal 103, another market terminal 104, or a blockchain holding server 105.

The controller digitally signs the certificate generated by the certificate issuing unit using a private key, generates a public key based on the private key, and sells the certificate and the public key through the communication unit. , It can be transmitted to at least one of the credit institution terminal 102, the investor terminal 103, another market terminal 104, or the blockchain holding server 105.

The control unit receives information related to trade receivables (sales receivables information, trade receivables liquidation information, certificates, etc.) through the communication unit, queries the received information, etc. using the public key received together, and receives the information If it is valid according to the above-described validity review method, the valid information may be transmitted to at least one of a storage unit, a trade receivable analysis unit, or a certificate issuing unit. When transmitted to the storage unit, the transmitted valid information may be stored in the storage unit.

The storage unit may include a memory capable of storing information.

The trade receivable analysis unit may generate a trade receivable analysis history by quantifying transaction risk through risk and big data judgment based on information related to trade receivables transmitted by the controller. In addition, the generated sales receivable analysis details may be transmitted to at least one of a certificate issuer or a storage unit.

The above accounts receivable analysis includes: Risk Index (trade repayment risk and transaction risk index reflecting transaction risk), Asset Pricing (market value of trade receivables), Pay Index Monitoring (repayment / trade status and volatility of trade receivables, financial structure status) And an index combining volatility). However, the element is not limited to this, for example.

Table 2 below is an example of the Risk Index.

division Buyer (reimbursement obligation) Seller (bond owner) Key Risk Fraud Risk, etc. Credit Risk Method of analysis Credit Risk Index Credit Risk Index No claim for reimbursement -Combine defaults between buyer and seller (Joint default probability)
-Combined buyer and seller ratings (Weighted, 2: 8) With reimbursement claim -Combine defaults between buyer and seller (Joint default probability)
-Combined buyer and seller ratings (Weighted, 8: 2) In case of default It is necessary to supplement the system for debt fulfillment, such as limiting the warranty handling for buyers and sellers

The risk index may focus on key risk, measure credit risk, construct a credit risk index with the measured credit risk, and be formed based on the credit risk index. Here, the key risk may include Fraud Risk, Credit Risk, and the like. In addition, the risk index may be formed in consideration of the presence or absence of a claim for repayment or the handling of a default. Forming a risk index in consideration of the existence of the claim for reimbursement may include using a value obtained by multiplying a buyer's and seller's default rate and a buyer's and seller's credit rating by weight.

Here, the weight may vary depending on whether or not there is a right to claim the reimbursement.

For example, if there is no claim for reimbursement, the weight of the rating of the buyer and seller may be 2: 8, and if there is a claim of repayment, the rating of the buyer and seller may be 8: 2. As another example, if there is no claim for reimbursement, the weight of the rating of the buyer and seller may be 1: 9, and if there is a claim of reimbursement, the rating of the buyer and seller may be 9: 1. As another example, if there is no claim for reimbursement, the weight of the rating of the buyer and seller may be 3: 7, and if there is a claim of repayment, the rating of the buyer and seller may be 7: 3.

In addition, the determination of the weight may be a fixed weight pre-promised or a variable value set in consideration of information related to the trade receivable. In addition, the risk index may be formed based on only one risk, either a buyer or a seller.

4 is a diagram illustrating an example of a flow chart of calculating the receivable value in asset pricing calculation. However, as an example, the calculation method is not limited to the flowchart of FIG. 5.

FIG. 5 is a diagram hierarchically illustrating considerations in calculating the value of individual receivables. However, this is not limited to, for example, the types of the considerations and the hierarchical order of the considerations.

Referring to FIG. 4, the asset pricing calculation may include calculating the value of the receivable individually and calculating the value of the receivable in the bond pool based on the calculated value.

Referring to FIG. 5, the calculation of individual trade receivables value may be performed using information related to trade receivables, market information (e.g., market real interest rates), and the like. Specifically, on the basis of the information and market information related to the trade receivable, credit premium for each grade, buyer information, transition matrix, management cost, etc. are calculated, and based on the calculated information, cash flow and credit grade for each grade are considered. Calculate the transition probability (TM) for each period, and calculate the expected cash flow value and Forward Discount Rate (FDR) based on the calculated Cash Flow and TM, and based on the calculated estimated cash flow value and FDR After calculating the Rating state Expercted Value and the bond discount rate, the Net Present Value (NPV) can be calculated.

The net present value (NPV) may be the sum of the present value of cash outflow and cash inflow of the investment. In this case, if the NPV is greater than 0, it can be judged that the trade receivable is profitable, and if it is less than 0, the trade receivable is judged to be unprofitable. Determination of the above considerations may be variably determined by pre-promised methods or by at least one of information related to trade receivables or market information. For example, the above considerations may be further added or reduced depending on the type or characteristic of the trade receivable.

6 is a view showing OPC, FFC analysis and rating considered for Pay Index Monitoring.

Referring to FIG. 6, Pay Index Monitoring calculates and monitors the Pay Index, and the Pay Index calculation may be performed using rating values of OPC Index and FFC Index. For example, the Pay Index may be calculated as a grade value rounded up from the average value of the OPC Index and FFC Index values.

The OPC (Operational Payment Capability) Index is an index of sales activity debt repayment ability, and may be an index analyzed in consideration of the status of the period of purchase debt turnover and the volatility of the purchase debt.

The turnover period of the payable debt represents the payment rate of the payout bill and the accounts payable, and may be an index for determining whether the payable debt is being settled smoothly. For example, when the turnover period of the purchase debt is long, it means that the payment speed of the payment bill and the accounts receivable is slow, and that the purchase debt is not settled smoothly. In this case, it may be necessary to check whether a note is issued, the amount of debt purchased against cash operating profit, the possibility of distortion of cash flow, and whether working capital is under pressure.

The Fundamental Financial Capability (FFC) Index is an index of financial structure financing capabilities, and may be an index analyzed in consideration of the state of sales and borrowings (financial credit information) and the volatility of the sales amount and the borrowings.

The certificate issuing unit may issue a certificate based on the information related to the trade receivable transmitted by the control unit and the trade receivable analysis transmitted by the trade receivable analysis unit.

The certificate may include information of the seller and the buyer, the record of issuing the electronic tax invoice, and the details of the analysis of the accounts receivable, the contents of credit reinforcement, etc., but is not limited thereto. In addition, the certificate may include at least one of an anti-money laundering (AML) function or a liquidity limit function.

The anti-money laundering function may include a function of establishing a comprehensive management system in connection with a financial system, a judicial system, and international cooperation, in order to prevent the laundering of criminal funds using financial institutions.

The securitization limit function may include a function of determining the limit of the securitization amount of the receivable. The limit may be a pre-promised fixed value or a variable value determined by considering at least one of information related to trade receivables or market information. For example, when the credit risk or the like of the result of the analysis of the receivables in the certificate is high, the limit of the amount of the liquidation amount may be set lower than when the credit risk or the like is low. For example, when the economic index included in the market information is low, the limit of the amount of the liquidizable amount may be set lower than when the economic index is high.

The issuing of the certificate may include issuing a certificate according to a predetermined format with reference to the information related to the transferred receivable and the receivable analysis.

The issuing of the certificate further includes a process of receiving information related to the first trade receivable and confirming whether information related to the second trade receivable such as information related to the first trade receivable is received within a predetermined period after the transmission, It can be performed only when reception is confirmed through the above process. Here, the information related to the second trade receivable is related to the trade receivable received from another node and the node (terminals or nodes in the blockchain holding server) that transmitted the information related to the first trade receivable in the blockchain network to the market terminal. Information.

As another example, the issuance of the certificate may further include a process of comparing information related to other receivables previously stored in the market terminal with the receivables currently received. Specifically, the comparison further includes a process of checking whether some of the information of the seller and the buyer is the same, and if the same is confirmed through the above process, it is performed without a separate procedure, but is not confirmed In this case, it may be performed through a separate procedure. The separate procedure may include a procedure of receiving a signature from a subject (seller or purchaser, etc.) that generated the information or receiving confirmation.

// Credit reinforcement institution terminal

The credit reinforcement institution terminal 102 may include a credit reinforcement determination unit, a control unit, a storage unit, and a communication unit.

The communication unit may perform network communication with at least one of a seller / buyer terminal 101, another credit institution terminal 102, an investor terminal 103, a market terminal 104, or a blockchain holding server 105.

The controller digitally signs the certificate to which the credit enhancement information has been added by the credit reinforcement determination unit using a private key, generates a public key based on the private key, and sells the certificate and public key through the communication unit. It may be transmitted to at least one of the buyer terminal 101, the credit institution terminal 102, the investor terminal 103, another market terminal 104, or the blockchain holding server 105.

The control unit receives at least one of information related to trade receivables (sales receivables information, trade receivables liquidation information, certificates, etc.) or credit reinforcement request information through the communication unit, and receives the information using the public key received together Inquiry, and if the received information is valid according to the above-described validity review method, the valid information may be transmitted to at least one of a storage unit or a credit enhancement decision unit. When transmitted to the storage unit, the transmitted valid information may be stored in the storage unit.

The storage unit may include a memory capable of storing information.

The credit reinforcement determination unit may add the credit reinforcement content to the certificate based on at least one of information related to the trade receivable transmitted by the control unit or credit reinforcement request information.

The credit reinforcement may be selectively performed by a credit reinforcement institution according to a request of a seller or a buyer included in the credit reinforcement request information, for a valid trade receivable subject to credit reinforcement. Here, if the value of the asset for credit reinforcement is not certain or the creditworthiness of the asset holder is low, it may mean strengthening the credit through methods such as guarantee insurance and excess security. When credit is reinforced on the trade receivable, the liquidity of the trade receivable can be improved.

The credit enhancement can be divided into internal and external credit reinforcement. The internal credit reinforcement may include a seniority bond structure, an excess security structure, a cash security structure, an internal security structure, a spread account structure, or a weather exchange structure. The external credit reinforcement includes a guarantee bond, a third-party or parental guarantee, a letter of credit (LOC), or a cash collateral account (CCA). It can contain.

The credit reinforcement may be performed in consideration of at least one of the financial status of the credit reinforcement institution, credit reinforcement request information, information related to trade receivables, or market information. For example, the credit reinforcement institution considers the financial status of the credit reinforcement institution when the seller's credit reinforcement request in the certificate is positive when the seller's credit request is made for the receivable verified through the certificate. You can decide whether to strengthen your credit.

// Investor terminal

The investor terminal 103 may include an investment decision unit, a control unit, a storage unit, and a communication unit.

The communication unit may perform network communication with at least one of the seller / buyer terminal 101, the credit institution terminal 102, another investor terminal 103, the market terminal 104, or the blockchain holding server 105. .

The control unit digitally signs the receivables securitization information using the private key by the investment decision unit, generates a public key based on the private key, and the seller / buyer terminal 101 through the certificate and public key through the communication unit ), Credit institution terminal 102, investor terminal 103, other market terminal 104, or at least one of the blockchain holding server 105.

The control unit receives information related to trade receivables (sales receivable information, trade receivables securitization information, certificates, etc.) through the communication unit, queries the received information using the public key received together, and receives the information If it is valid according to the above-described validity review method, the valid information may be transmitted to at least one of a storage unit or an investment decision unit. When transmitted to the storage unit, the transmitted valid information may be stored in the storage unit.

The storage unit may include a memory capable of storing information.

The investment decision unit may generate trade receivables securitization information based on information related to trade receivables by the control unit.

The trade receivables may be selectively performed by an investment institution in consideration of at least one of the financial status of the investment institution, information related to the trade receivables, or market information, with respect to effective trade receivables subject to liquidization. Here, the trade receivables are formed between a seller (a bond holder), a buyer (repayer), and an investor, and the seller, buyer, or investor may be a concept encompassing both individuals and companies. Here, when the credit of the trade receivable is made, a credit reinforcement institution may also be selectively included.

Trade receivables can be made by the seller transferring the ownership of the trade receivables to the investors at a discounted price from the trade receivables and receiving cash equivalent to the discounted positive amount from the investors. In this case, the investor may make a profit by receiving a considerable amount of cash from the buyer at the maturity of the received receivable. In addition, when the receivables are liquidated, when the claim for repayment is granted to the investor and the buyer (reimbursement officer) refuses to pay or repays inevitably on the due date of the receivable, the investor is the seller (the owner of the bond) to recover the receivable. ) Can be asked for a significant amount of trade receivables.

Claims (9)

The blockchain network includes at least two of a seller / buyer terminal, a market terminal, a credit reinforcement institution terminal, or an investor terminal,
The seller / buyer terminal generates and transmits the trade receivable information,
The market terminal receives the trade receivables information, generates trade receivables analysis details based on the received information, issues a certificate based on the generated receivables analysis details, and sends the issued certificate,
The credit enhancement institution terminal receives the certificate, adds the credit reinforcement content to the certificate based on the received certificate, and transmits the certificate to which the credit reinforcement content is added,
The investor terminal receives the certificate, generates and transmits the receivables securitization information based on the received certificate,
Information related to trade receivables is distributed and stored in the blockchain network in the form of blocks based on blockchain technology, where the information related to trade receivables includes at least one of trade receivable information, certificates, or trade receivables liquidation information. Trade receivable authentication and securitization service system characterized in that. According to claim 1,
The trade receivable authentication and securitization service system further includes a blockchain holding server,
The blockchain network is characterized in that it is formed by including the blockchain holding server, trade receivable authentication and securitization service system. The method according to claim 1 or 2,
At least one of the seller / purchaser terminal, the credit institution terminal, the investor terminal, the market terminal or the blockchain holding server digitally signs information related to the receivables to be transmitted using a private key, and the private key Characterized in that it transmits the public key generated based on the information related to the trade receivables to be transmitted, trade receivable authentication and liquidation service system. According to claim 3,
The distributed storage receives information related to the sales receivable through a blockchain network, performs inquiry and validity review using the public key received together with the received information, and stores the received information if it is valid. Characterized by accounts receivable authentication and securitization service system. The method of claim 4,
In the validity review, a first value to which the hash function is applied to the information related to the trade receivable of the information related to the digitally signed trade receivable and the second value to decrypt the digital signature of the information related to the digitally signed trade receivable with a public key Comparing, and receivables authentication and securitization service system characterized in that it is valid if the first value and the second value are the same. According to claim 1,
The above receivables analysis details include: Risk Index (trade repayment risk and transaction risk index reflecting transaction risk), Asset Pricing (market value of trade receivables), Pay Index Monitoring (repayment / trade status and volatility of trade receivables, financial structure) Trademark receivable authentication and securitization service system, characterized in that it is generated in consideration of at least one of (index combined with status and volatility). According to claim 1,
The block includes at least one of block hash, block header information, or information related to the trade receivable,
The block hash is calculated by applying a hash function to the block header information,
The block header information includes a block hash of a block that transmits information related to the trade receivable to the block, the trade receivable authentication and securitization service system. According to claim 1,
The certificate includes at least one of an anti-money laundering (AML) function or a liquidity limit function, a receivables authentication and securitization service system. The blockchain network includes at least two of a seller / buyer terminal, a market terminal, a credit reinforcement institution terminal, or an investor terminal,
Generating and transmitting trade receivable information from the seller / buyer terminal;
Receiving, from the market terminal, the transmitted trade receivables information, a receivables analysis history is generated for the received information, and a certificate is issued and transmitted based on the generated receivables analysis history;
Receiving, from the credit reinforcement agency terminal, the transmitted certificate, the credit reinforcement content is added to the certificate, and a certificate to which the credit reinforcement content is added is transmitted;
And receiving, from the investor terminal, the transmitted certificate, and generating and transmitting the receivables securitization information based on the received information,
Information related to trade receivables is distributed and stored in the blockchain network in the form of blocks based on blockchain technology, where the information related to trade receivables includes at least one of trade receivable information, certificates, or trade receivables liquidation information. Trade receivables authentication and securitization service method characterized in that.

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