KR20200075685A - Method for providing service using profit of rental and financial service based on block chain - Google Patents

Abstract

Provided is a method for providing a virtual currency service using rental and financial profits based on a blockchain, comprising the steps of: receiving a purchase event for purchasing a virtual currency from a purchase terminal; storing the purchase terminal by designating one node of a blockchain; receiving, by the purchase terminal, the amount corresponding to the virtual currency; providing the purchase terminal with the virtual currency corresponding to the amount paid by the purchase terminal, and accumulating the amount paid by the purchase terminal to ensure a payment through at least one bank server; requesting a payment to a member store terminal which requests the payment through the bank server when a transaction due to the payment occurs in the purchase terminal; and updating ledger data recording the virtual currency to be shared in at least one node of a blockchain when the payment is completed. Accordingly, a double payment and unfair use are not allowed by using a blockchain network.

Description

METHOD FOR PROVIDING SERVICE USING PROFIT OF RENTAL AND FINANCIAL SERVICE BASED ON BLOCK CHAIN}

The present invention relates to a method of providing a virtual currency service, and provides a method of integrating the security, availability, and distribution of cryptocurrency with financial services and rental services.

Bitcoin is a peer-to-peer (P2P) network-based electronic financial transaction system and a new currency.It is a currency system that excludes centralized control.Bitcoin is a horizontal structure among users instead of a server-client method for a decentralized structure. It is designed as a P2P structure interconnected with, and Bitcoin's issuance and transaction history exists in the network composed of users' computers, not the central server, and Bitcoin does not require a central institution from the issuance process. Solving complex mathematical problems that require the processing power of a computer can generate and have new bitcoins, which are called mining.

In addition, issuance of currency and transaction details of users are disclosed and monitored through the entire network, and transaction records are also approved on the entire network. The bundle of all newly generated records is called a block, and the qualification to create it is given to the miner who solved a complex mathematical problem. In other words, getting Bitcoin through mining can be said to be the price of forming a block by organizing new transaction records.

At this time, the method of trading virtual currency using Bitcoin is made by using a blockchain. In this regard, the prior art, Korean Registered Patent No. 10-1628007 (announced on June 13, 2016), does not recognize a public address consisting of 32 bytes or more for each transaction of digital virtual currency with a blockchain between the parties. Disclosed is a digital virtual currency transaction system having a blockchain between parties, which guides users to conduct transactions easily based on URL.

However, since Bitcoin is a distributed network type, it has great stability in terms of security because it must attack all computers at the same time in order to hack, but the way that an electronic wallet that manages Bitcoin owned by individuals accesses the exchange is hacked It is vulnerable to risk, and in fact, Bitcoin is stolen from many exchanges, and payment guarantees are not made by authorized banks.Therefore, the number of available accounts is limited, and the total trading volume on the world's largest Bitcoin exchange, Mt Gox. Since 650,000 bitcoins of 5 billion won worth of 5% may disappear due to manipulation of the balance data, it is currently impossible to use and issue cryptocurrency despite many advantages.

In one embodiment of the present invention, by using a blockchain network so that there is no double payment and fraudulent use, and when purchasing a virtual currency, by depositing the entire amount of the purchased money to an authorized bank to guarantee payment, convenience of payment and use At the same time, making it impossible to use and manipulate fraudulently, and sharing profits obtained through financial services and rental services with virtual currency buyers, facilitates the distribution and investment of virtual currency, and facilitates transactions such as overseas remittances or micro-payments. It can be used without restrictions, and even if a credit card is used, it is possible to provide a method of providing a virtual currency service, which can be used as an alternative payment method using virtual currency without a fee. However, the technical problem to be achieved by the present embodiment is not limited to the technical problem as described above, and other technical problems may exist.

As a technical means for achieving the above-described technical problem, an embodiment of the present invention, receiving a purchase event to purchase a virtual currency from the purchase terminal, designating the purchase terminal as one node of the blockchain (Block Chain) And storing the payment, receiving a payment corresponding to the virtual currency through the purchasing terminal, paying the virtual currency corresponding to the payment paid by the purchasing terminal to the purchasing terminal, and supplying at least one bank server to the amount paid by the purchasing terminal. Crediting the payment through a payment terminal, requesting payment to the merchant terminal requesting payment through at least one bank server, and when payment according to the payment is completed, cryptocurrency And updating the ledger data recorded to be shared by at least one node of the black chain.

According to any one of the above-described problem solving means of the present invention, by preventing double payment and fraudulent use of the blockchain network, and by purchasing the virtual currency, by depositing the entire amount of money purchased to an authorized bank to guarantee payment In addition, it enhances the convenience of payment and use, prevents illegal use and manipulation, and shares profits obtained through financial services and rental services with cryptocurrency buyers to facilitate the distribution and investment of virtual currencies, and to facilitate overseas remittance or It can be used for transactions such as small payments without restrictions, and even a credit card can be used as an alternative payment method using virtual currency without fees.

1 is a block diagram for explaining a system for providing a virtual currency service using profits of a blockchain-based rental and finance according to an embodiment of the present invention.
2 is a configuration diagram for explaining the virtual currency service providing server shown in FIG. 1.
3 is a view for explaining an embodiment in which a virtual currency service using a profit based on a blockchain-based rental and finance according to an embodiment of the present invention is implemented.
4 is a view for explaining a blockchain according to an embodiment of the present invention.
FIG. 5 is a view for explaining an embodiment in which a virtual currency service using blockchain-based rental and finance proceeds is implemented according to an embodiment of the present invention.
6 is an operation flowchart for explaining a method of providing a virtual currency service using profits of a blockchain-based rental and finance according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art to which the present invention pertains may easily practice. However, the present invention can be implemented in many different forms and is not limited to the embodiments described herein. In addition, in order to clearly describe the present invention in the drawings, parts irrelevant to the description are omitted, and like reference numerals are assigned to similar parts throughout the specification.

Throughout the specification, when a part is "connected" to another part, this includes not only "directly connected" but also "electrically connected" with another element in between. . Also, when a part is said to "include" a component, it means that the component may further include other components, not exclude other components, unless otherwise stated. However, it should be understood that the existence or addition possibilities of numbers, steps, actions, components, parts or combinations thereof are not excluded in advance.

The terms "about", "substantially", and the like used throughout the specification are used in or at a value close to that value when manufacturing and material tolerances specific to the stated meaning are given, and the understanding of the invention To help, accurate or absolute figures are used to prevent unconscionable abusers from unduly using the disclosed disclosure. The terms "~(step)" or "step of" as used in the entire specification of the present invention do not mean "step for".

In the present specification, the term “unit” includes a unit realized by hardware, a unit realized by software, and a unit realized by using both. Further, one unit may be realized by using two or more hardware, and two or more units may be realized by one hardware.

In the present specification, some of the operations or functions described as performed by the terminal, the device, or the device may be performed instead on a server connected to the corresponding terminal, device, or device. Similarly, some of the operations or functions described as being performed by the server may be performed in a terminal, apparatus, or device connected to the corresponding server.

In this specification, some of the operations or functions described as mapping or matching with the terminal means that the unique number of the terminal or identification information of the individual, which is the identification data of the terminal, is mapped or matched. Can be interpreted as

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

1 is a block diagram for explaining a system for providing a virtual currency service using profits of a blockchain-based rental and finance according to an embodiment of the present invention. Referring to FIG. 1, a system for providing a virtual currency service using profits of a blockchain-based rental and finance according to an embodiment of the present invention, a purchase terminal 100, a virtual currency service providing server 300, at least It may include a bank server 400, at least one investor terminal 500, a merchant terminal 600, a rental terminal 700 and a borrowing terminal 800. However, the system 1 for providing a virtual currency service using the proceeds of the blockchain-based rental and finance of FIG. 1 is only an embodiment of the present invention, and thus the present invention is not limitedly interpreted through FIG. 1.

Hereinafter, the word "at least one" is defined as a term that can refer to the singular and plural. And, the term "at least one" may be used, but may be omitted, the meaning is as described above.

At this time, each component of FIG. 1 is generally connected through a network (network, 200). For example, as illustrated in FIG. 1, the purchase terminal 100 may be connected to the virtual currency service providing server 300, at least one bank server 400, and the merchant terminal 600 through the network 200. Can. And, the virtual currency service providing server 300, through the network 200, the purchase terminal 100, at least one bank server 400, at least one investment terminal 500, merchant terminal 600, rental The terminal 700 and the vehicle terminal 800 may be connected. In addition, the at least one bank server 400 may be connected to the purchase terminal 100, the virtual currency service providing server 300, the at least one investment terminal 500, and the merchant terminal 600 through the network 200. . In addition, the at least one investment terminal 500 may be connected to the virtual currency service providing server 300 and the at least one bank server 400 through the network 200. In addition, the merchant terminal 600 may be connected to the virtual currency service providing server 300 and at least one bank server 400 through the network 200. In addition, the rental terminal 700 may be connected to the virtual currency service providing server 300 and the vehicle terminal 800 through the network 200. In addition, the vehicle terminal 800 may be connected to the virtual currency service providing server 300 and the rental terminal 700 through the network 200.

Here, the network 200 means a connection structure capable of exchanging information between each node, such as a plurality of terminals and servers, and an example of such a network 200 is a 3rd Generation Partnership Project (3GPP) network, LTE (Long Term Evolution) network, 5GPP (5rd Generation Partnership Project) network, WIMAX (World Interoperability for Microwave Access) network, Internet (Internet), LAN (Local Area Network), Wireless LAN (Wireless Local Area Network), WAN ( Wide Area Network (PAN), Personal Area Network (PAN), Bluetooth (Bluetooth) network, NFC network, satellite broadcasting network, analog broadcasting network, DMB (Digital Multimedia Broadcasting) network, and the like are not limited thereto.

The purchase terminal 100 may be a terminal of a user who purchases a virtual currency from the virtual currency service providing server 300. Further, the purchase terminal 100 may be a terminal that is verified by a blockchain for purchase or after purchase to form one node of the blockchain, or may be a terminal that verifies another terminal. In addition, the purchase terminal 100 may be a terminal to be updated by sharing book data when a transaction according to payment occurs. In addition, the purchase terminal 100 is the terminal of the purchaser where the purchaser terminal 100 is registered and stored as the virtual currency service providing server 300 for registration after purchasing and payment to the virtual currency service providing server 300 Can. In addition, the purchase terminal 100 may be a terminal of a user who receives profits associated with the purchase of a virtual currency for a predetermined period of time, or until payment is made after purchase. Also, the purchase terminal 100 may be a terminal that requests payment to the virtual currency service providing server 300 when a merchant wants to use a virtual currency by using a card or when directly using the virtual currency.

Here, the purchase terminal 100 may be implemented as a computer capable of accessing a remote server or terminal through the network 200. Here, the computer is, for example, a set-top box, kiosk, car navigation, home network devices, home robots, watch phones, Internet-connected cameras, security systems, broadcast equipment, IPTV, laptops equipped with a Web browser (WEB Browser), desktop (Desktop), a laptop (Laptop), and the like. In this case, the purchase terminal 100 may be implemented as a terminal capable of accessing a remote server or terminal through the network 200. The purchase terminal 100 is, for example, a wireless communication device in which portability and mobility are guaranteed, navigation, PCS (Personal Communication System), GSM (Global System for Mobile communications), PDC (Personal Digital Cellular), PHS (Personal) Handyphone System), PDA (Personal Digital Assistant), International Mobile Telecommunication (IMT)-2000, Code Division Multiple Access (CDMA)-2000, W-Code Division Multiple Access (W-CDMA), Wireless Broadband Internet (Wibro) terminal, It may include all kinds of handheld-based wireless communication devices such as a smart phone, a smart pad, and a tablet PC.

The virtual currency service providing server 300 provides a web page, an app page, an application or program that provides a virtual currency service, or another server (not shown) interworking with the virtual currency service providing server 300 It may be a server to provide. In addition, the virtual currency service providing server 300 may be a server that allows transactions, payments, and authentication to be performed to satisfy the authentication of the blockchain when payment is made with bitcoin on the blockchain. In addition, when the virtual currency service providing server 300 issues a virtual currency and distributes it to request a purchase from the purchase terminal 100, the virtual currency is paid and the amount corresponding to the virtual currency with at least one bank server 400 It may be a server that deposits money.

Further, the virtual currency service providing server 300 may be a server that requests payment from at least one bank server 400 when payment is requested by the purchase terminal 100. In addition, the virtual currency service providing server 300 to the purchase terminal 100 to share interest generated in at least one bank server 400, so as to obtain a profit in proportion to the period accumulated in the purchase terminal 100 It can be a distributing server. In addition, the virtual currency service providing server 300 divides the investment from the at least one investment terminal 500 by day until it reaches a predetermined target price, and when receiving a loan from the merchant terminal 600, loans It may be a server that divides and divides money by day. In addition, the virtual currency service providing server 300 may be a server that receives and registers information on a product or service product for which a borrower provides a rental service from the rental terminal 700. In addition, the virtual currency service providing server 300 charges in proportion to the usage amount of the rental terminal 700 using the rental service of the rental terminal 700 to the borrowed terminal 800, and the remaining amount excluding the heavy fees from the borrowed terminal 800 It may be a server that pays with the rental terminal 700. In addition, the virtual currency service providing server 300 deposits the fees provided by the loan and rental charging service into at least one bank server 400 as a profit, and distributes the interest income for this to be shared with the purchase terminal 100 Server.

In this case, the virtual currency service providing server 300 may be implemented as a computer that can access a remote server or terminal through the network 200. Here, the computer may include, for example, a laptop equipped with a web browser (WEB Browser), a desktop, a laptop, and the like.

The at least one bank server 400 may be a server that guarantees payment of an amount corresponding to the sold virtual currency when receiving a deposit of the sale amount for the virtual currency from the virtual currency service providing server 300. Further, the at least one bank server 400 may be a server that stores information such as the amount of the virtual currency issued by the virtual currency service providing server 300 and the buyer who bought the virtual currency. And, at least one bank server 400, the purchase terminal 100, if there is a payment request from the merchant terminal 600, the purchase terminal 100 to identify, the payment guarantee and payment to be a server Can.

At this time, the at least one bank server 400 may be implemented as a computer that can access a remote server or terminal through the network 200. Here, the computer may include, for example, a laptop equipped with a web browser (WEB Browser), a desktop, a desktop, or the like. At least one investment terminal 500 is a targeted amount per day It may be a terminal of an investor who divides and invests within.

For example, assuming that 100 million is the target amount, and the investor A is contracted and contracted to invest 10 million won, the amount of the investment is deposited by dividing the amount on a daily or periodic basis (committed period or indefinitely). Can be In addition, at least one investment terminal 500 may be a terminal of an investor receiving interest or investment profits on the investment amount.

Here, the at least one investment terminal 500 may be implemented as a computer capable of accessing a remote server or terminal through the network 200. Here, the computer is, for example, a set-top box, kiosk, car navigation, home network devices, home robots, watch phones, Internet-connected cameras, security systems, broadcasting equipment, IPTV, laptops equipped with a Web browser (WEB Browser), desktop (Desktop), a laptop (Laptop), and the like. At this time, it may be implemented as at least one investment terminal 500, a terminal capable of accessing a remote server or terminal through the network 200. At least one investment terminal 500 is, for example, a wireless communication device that is guaranteed for portability and mobility, navigation, Personal Communication System (PCS), Global System for Mobile communications (GSM), Personal Digital Cellular (PDC), Personal Handyphone System (PHS), Personal Digital Assistant (PDA), International Mobile Telecommunication (IMT)-2000, Code Division Multiple Access (CDMA)-2000, W-Code Division Multiple Access (W-CDMA), Wireless Broadband Internet ) It may include all kinds of handheld-based wireless communication devices such as a terminal, a smartphone, a smartpad, and a tablet PC.

The merchant terminal 600 may be a merchant's terminal that receives a loan from the virtual currency service providing server 300 and divides and repays the loan daily (daily or periodically) within a predetermined amount. When the terminal 600 attempts to make a payment using the virtual currency in the purchase terminal 100, it transmits to the virtual currency service providing server 300 that the virtual currency has been used, and at least one bank server 400 It may be a terminal that receives and requests payment from.

In addition, the merchant terminal 600 may be a terminal requesting authentication through the virtual currency service providing server 300 whether or not it is an authenticated node (terminal) in the blockchain, and when payment is completed, the transaction of the node is virtual currency. It may be a terminal informing the service providing server 300.

Here, the merchant terminal 600 may be implemented as a computer capable of accessing a remote server or terminal through the network 200. Here, the computer is, for example, a set-top box, kiosk, car navigation, home network devices, home robots, watch phones, Internet-connected cameras, security systems, broadcast equipment, IPTV, laptops equipped with a Web browser (WEB Browser), desktop (Desktop), a laptop (Laptop), and the like. In this case, the merchant terminal 600 may be implemented as a terminal that can access a remote server or terminal through the network 200. The merchant terminal 600 is, for example, a wireless communication device in which portability and mobility are guaranteed, navigation, PCS (Personal Communication System), GSM (Global System for Mobile communications), PDC (Personal Digital Cellular), PHS (Personal) Handyphone System), PDA (Personal Digital Assistant), International Mobile Telecommunication (IMT)-2000, Code Division Multiple Access (CDMA)-2000, W-Code Division Multiple Access (W-CDMA), Wireless Broadband Internet (Wibro) terminal, It may include all kinds of handheld-based wireless communication devices such as a smart phone, a smart pad, and a tablet PC.

The rental terminal 700 may be a terminal of a rental company providing rental services. In addition, the rental terminal 700 may be a terminal of the lender who delegates and processes the billing of the borrower using the rental service to the virtual currency service providing server 300. In addition, the rental terminal 700 may be a terminal of a renter receiving payment of the rest of the virtual currency service providing server 300 except for a preset fee when the virtual currency service providing server 300 claims. In addition, the rental terminal 700 may be a terminal that receives predicted income or potential customer information predicted through big data analysis from the virtual currency service providing server 300. In addition, the rental terminal 700 may be a terminal that receives a report on billing (revenue to the borrower) and records and stores business information on the rental service. In addition, the rental terminal 700 may be a terminal that predicts usage of advertisement or next quarter or sales of rental service based on the report.

Here, the rental terminal 700 may be implemented as a computer capable of accessing a remote server or terminal through the network 200. Here, the computer is, for example, a set-top box, kiosk, car navigation, home network devices, home robots, watch phones, Internet-connected cameras, security systems, broadcast equipment, IPTV, laptops equipped with a Web browser (WEB Browser), desktop (Desktop), a laptop (Laptop), and the like. In this case, the rental terminal 700 may be implemented as a terminal that can access a remote server or terminal through the network 200. The rental terminal 700 is, for example, a wireless communication device in which portability and mobility are guaranteed, navigation, PCS (Personal Communication System), GSM (Global System for Mobile Communication), PDC (Personal Digital Cellular), PHS (Personal Handyphone) System), PDA (Personal DigitalAssistant), IMT (International Mobile Telecommunication)-2000, CDMA (Code Division Multiple Access)-2000, W-CDMA (W-Code Division Multiple Access), Wibro (Wireless Broadband Internet) terminal, smartphone It may include all kinds of handheld-based wireless communication devices such as (smartphone), smartpad, tablet PC, and the like.

The car terminal 800 may be a terminal that is billed based on the usage amount using the rental service through the virtual currency service providing server 300. In addition, the borrowing terminal 800 may be a terminal that pays the billed amount to the virtual currency service providing server 300. At this time, both the rental terminal 700 and the borrowed terminal 800 may be a service provided by the virtual currency service providing server 300, that is, a purchaser who purchases a virtual currency, an investor or a borrower of a financial service. In this case, it can function as a purchase terminal 100 as a role of purchasing a virtual currency, an investment terminal 500 sharing profits as an investor, and a merchant terminal 600 receiving a loan amount as a borrower, and vice versa. . The function of the terminal according to the above-described role is the same as described above, and since it is redundant, it will be omitted.

FIG. 2 is a configuration diagram for explaining a server for providing a virtual currency service shown in FIG. 1, and FIG. 3 is an embodiment in which a virtual currency service using blockchain-based rental and financial proceeds is performed according to an embodiment of the present invention It is a diagram for explaining an example, and FIG. 4 is a diagram for explaining a blockchain according to an embodiment of the present invention.

Hereinafter, a concept of a blockchain for use of a virtual currency will be first described with reference to FIG. 4, and then a method of providing a virtual currency service using finance and rental according to an embodiment of the present invention will be described with reference to FIG. .

Referring to FIG. 4, a block chain is a public transaction ledger and a technology that prevents hacking that may occur when trading in virtual currency. At this time, the blockchain, as a form of distributed database, is a continuously growing list of data records that cannot be arbitrarily manipulated by the operator of the distributed node, and the transaction record of the data record list is mandatoryly encrypted and executes the blockchain software. It runs on computers, and most cryptocurrencies including Bitcoin are based on blockchain technology.

The structure of the blockchain uses a consensus convergence algorithm that ensures that the data of the ledger distributed in each node is always kept up to date among large-scale nodes, and this structure allows nodes to run anonymously or connect. This makes it possible for bad or even unreliable operators to participate.

In addition, the decentralized nature of the blockchain prevents the need for having a centralized database required by systems such as PayPal, since all decentralized cryptocurrency nodes have a partial or full blockchain. In the book, the exchange history of checks, receipts, or promissory notes is recorded, whereas the blockchain itself is a transaction book and a transaction certificate (check, receipt, promissory note), so in Bitcoin, the form of unpaid results of transactions Exists as.

For example, a transaction in the form of payer Gap sends 00 won to the payee is scattered on the blockchain network through a software app (Bitcoin wallet app, etc.), and nodes on the blockchain network verify the transaction, Add a transaction to your book. Then, use the method of distributing the ledger to which this transaction was added to other nodes in the network.

In addition, blockchain prevents double payment, and cryptocurrencies are proof-of-work or proof of ownership to avoid adding time-stamped transactions by trusted third parties to the blockchain. It uses a variety of time-stamping methods, such as -of-take, which allows anyone to easily avoid the problem of double-paid money.

In addition to the concept of the above-described blockchain, a method for providing a virtual currency service using finance and rental according to an embodiment of the present invention may use an agreement algorithm between users who do not have a trust relationship or do not trust each other.

That is, since anyone who participates in the use of the blockchain can input, change, or delete data, it is necessary to use the consensus algorithm, which is the fundamental technology for reliable transactions without a third-party Trust Third Party (TTP). Do. By using the consensus algorithm, it is possible to ensure the reliability of data stored in the blockchain after a certain mechanism operation between authorized users. As a result, the state of the blockchain is safely updated and maintained, ensuring data integrity within the blockchain.

To this end, an embodiment of the present invention, any one or any one of Proof of Work (PoW), Proof of Stake (PoS), and Delegated Proof of Stake (DPoS) Combinations can be used.

As a first method, PoW can share all transactions that occur every 10 minutes in Bitcoin into one block and connect them like a chain in a time sequence to share on the entire P2P network. Nodes in the network can perform an operation that finds a specific value by hashing a value that concatenates the hash value and nonce of the previous block header. At this time, nonce is the number of 32-bits starting from the first 0 and increasing by 1 until a hash value satisfying the condition is found, and a specific value is the number of 256-bits starting with several zeros. Because of the nature of the hash operation, it is difficult to perform inverse operation, so in order to find a specific value, the process of substituting and calculating the nonce while changing it is essential. Because of this process, the higher the computing power, the less time it takes to create a block.

In addition, in the virtual currency, the number of zeros in a specific value is increased by one by using bits in the block header, and the block generation time can be kept constant at 10 minutes. When more than 6 nodes complete the above proof of block creation through calculation, the block can be officially recognized and included in the blockchain.

In the second method, PoS determines the consensus decision power of each node according to the amount of money held, not the computing power. In general, in order to attack the blockchain, the attacker must occupy more than 51% of the network, but if PoS is used, it must be possessed by at least 51% of the total currency reserve, so the cost of attack from a hacker's point of view than when using PoW This can increase so much that security can be increased.

In the third method, DPoS grants the right to create blocks to all nodes with a certain stake, whereas in DPoS, only the top 101 nodes in the voting results of all nodes constituting the network are authorized to grant the right to consensus. Delegate. Since blocks are created based on the trust of representatives elected by voting, it takes less time and money to reach an agreement, and the number of blocks generated during a unit time can also be relatively higher than PoW and PoS. At this time, the representatives can have the authority to create blocks and add them to the blockchain in the order randomly assigned every order, and the nodes elected as malicious users by voting between representatives can be expelled from the blockchain network. Blockchain networks can be maintained.

The configuration of a virtual currency service according to an embodiment of the present invention based on the above-described blockchain will be described below.

Referring to Figure 2, the virtual currency service providing server 300 according to an embodiment of the present invention, the receiving unit 310, the storage unit 320, the payment unit 330, the accumulation unit 340, the request unit ( 350 ), an update unit 360, a sharing unit 370, a loan unit 380, and a rental unit 390.

The virtual currency service providing server 300 or another server (not shown) operating in conjunction with the virtual currency service providing server 300 according to an embodiment of the present invention is a purchase terminal 100, at least one bank server 400 ), at least one investment terminal 500, a merchant terminal 600, a rental terminal 700, when transmitting a virtual currency service application, program, app page, web page, etc. to the terminal 800, the purchase terminal ( 100), at least one bank server 400, at least one investment terminal 500, merchant terminal 600, rental terminal 700, the borrowing terminal 800, a virtual currency service application, program, app page, You can install or open web pages. In addition, the service program using the script executed in the web browser, the purchase terminal 100, at least one bank server 400, at least one investment terminal 500, the merchant terminal 600, the rental terminal 700, It may be driven in the vehicle terminal 800. Here, the web browser is a program that enables the use of the world wide web (WWW) service, and refers to a program that receives and displays hypertext described in a hypertext mark-up language (HTML), for example, Netscape. , Explorer, Chrome, and the like. In addition, the application means an application on the terminal, and includes, for example, an app running on a mobile terminal (smartphone).

At this time, the connection of the network 200, the purchase terminal 100, the virtual currency service providing server 300, at least one bank server 400, at least one investment terminal 500, merchant terminal 600, rental It means that the terminal 700 and the vehicle terminal 800 generate a communication object at a communication contact point for communication with a terminal connected to the network 200. The virtual currency service providing server 300 may exchange data with each other through a communication object.

The receiver 310 may receive a purchase event for purchasing a virtual currency from the purchase terminal 100. For example, assuming that the name of the virtual currency is alpha coin, assuming that the number of purchases of one alpha coin is 1$, it may be set to pay 10$ to purchase 10 alpha coins. At this time, the ratio between the alpha coin and cash is not limited to the above, it will be apparent that it can be changed.

The storage unit 320 may designate and store the purchase terminal 100 as one node of a block chain. When a purchase is made at the purchase terminal 100, when a buyer designates a node, it is necessary to go through a process of checking which buyer has what cryptocurrency and how much, so that any buyer may not cheat his or her purchase amount or selling amount , After the consent of the terminal existing in the node to go through the authentication process. After this process, the storage unit 320 stores the purchase amount of the purchase terminal 100 in the database.

The payment unit 330 may receive a payment corresponding to a virtual currency with the purchase terminal 100. At this time, the ratio of the amount of cryptocurrency and cash may be differently specified for each country.

The accumulation unit 340 pays the virtual currency corresponding to the amount paid by the purchase terminal 100 to the purchase terminal 100, and provides at least one bank server 400 for the amount paid by the purchase terminal 100. It can be accumulated to guarantee payment.

The requesting unit 350 may request payment to the merchant terminal 600 requesting payment through at least one bank server 400 when a transaction according to payment occurs in the purchase terminal 100.

When the payment according to the payment is completed, the update unit 360 may update the book data recording the virtual currency to be shared by at least my nodes of the black chain.

The sharing unit 370 pays the virtual currency corresponding to the amount paid by the purchase terminal 100 in the accumulation unit 340 to the purchase terminal 100, and at least one amount paid by the purchase terminal 100 After accumulating to guarantee payment through the bank server 400, interest income generated by the accumulated amount can be accumulated for a predetermined period. In other words, the sharing unit 370 provides the interest of the bank during the accumulated period and the profits generated through the loan, in order to give interest to the buyer who has purchased the virtual currency but has not yet used it while holding the virtual currency. You can earn.

In addition, the sharing unit 370 may allocate the accumulated interest income in proportion to the period before purchasing the virtual currency at the purchase terminal 100 and before performing payment. At this time, the sharing unit 370 may be distributed in proportion to the amount of money and period, etc., but is not limited thereto, and various embodiments may be possible. At this time, the at least one bank server 400 may request a collateral setting for a guarantee, and the virtual currency service providing server 300 may provide collateral in response.

The payment unit 380 pays the virtual currency corresponding to the amount paid by the purchase terminal 100 in the accumulation unit 340 to the purchase terminal 100, and the amount paid by the purchase terminal 100 is at least one bank. After accumulating to guarantee payment through the server 400, if there is a loan request received from the merchant terminal 600, at least the amount of the loan request to the merchant terminal 600 is accumulated through my bank server 400 Requests may be made to at least one bank server 400 to be paid from the amount. In addition, the loan unit 380 may recover the repayment amount divided by day within the pre-contracted target price within the pre-contracted period of the amount borrowed from the merchant terminal 600. In addition, the loan unit 380 may accumulate a fee excluding the principal amount of the collected repayments as at least one bank server 400 as a profit to be shared by the purchase terminal 100.

When the loan request received from the merchant terminal 600 exists, the cashier 380 at least one of the amount requested for the loan to the merchant terminal 600 is paid from the amount accumulated through the at least one bank server 400. The investment may be collected before requesting to the bank server 400 of. Accordingly, the loaner 380 may receive the divided investment money from the at least one investment terminal 500 within the contracted target price. At this time, the loan unit 380 may determine whether to make a financial loan or the like by analyzing sales during a predetermined period of the merchant. In addition, when the amount of sales for each predetermined period exceeds the repayment amount to be divided and repaid, the loan may be approved. And, the loan unit 380 further includes a loan guarantee insurance, and if the divided repayment money is not deposited, after canceling the loan contract for the merchant, the financial loan guarantee according to the contract termination for the merchant with the guarantee insurance company You can also request payment.

The currency service providing server 300 may receive an investment deposit from at least one investment terminal 500 until a predetermined financial target is reached. At this time, the invested money deposited by the investor may be embodied so that the investor can withdraw money freely within the sum of the invested money. In addition, the interest on the investment amount may be a preset period or a preset date, for example, a day 100 days after the initial date of depositing the investment.

The rental unit 390 pays the virtual currency corresponding to the amount paid by the purchase terminal 100 in the accumulation unit 340 to the purchase terminal 100, and at least one amount paid by the purchase terminal 100 After accumulating to guarantee payment through the bank server 400, a rental terminal 700 for renting a product or service product and a rental terminal 800 provided with the service of the rental terminal 700 can be registered. In addition, the rental unit 390 can charge the amount of money using the service of the rental terminal 700 to the borrowing terminal 800 based on the amount of usage, receive the billed amount from the borrowing terminal 800, and the amount charged. The balance excluding the middle fee can be deposited into the rental terminal 700. In addition, the rental unit 390 may accumulate fees as at least one bank server 400 as a profit to be shared by the purchase terminal 100.

At this time, the rental unit 390, after accumulating a fee as a profit to be shared by the purchase terminal (100) to at least one bank server 400, information of the product or service product serviced by the rental terminal 700 , It is possible to collect big data including information of usage, period, borrower, and borrower, and analyze the collected big data to estimate the estimated sales of the rental terminal 700 and the estimated fees collectable from the rental terminal 700 can do. In addition, the rental unit 390 may calculate a profit to be shared to be distributed to each terminal 100 based on the estimated estimated fee.

In addition, the payment means according to the transaction requested by the purchase terminal 100 may be made of at least one or a combination of at least one of account transfer, credit card, and cash card. Accordingly, it is possible to use not only the internet but also a payment method that is practically used.

In addition, the virtual currency service providing server 300 is an application database that is applied to a predetermined application based on a transaction database and a transaction database in which the transaction information of the virtual currency is stored in a node of the network in the blockchain for the transaction of the virtual currency. It may include, and when payment is made at the purchase terminal 100, it is possible to synchronize to the network of the blockchain, and register the purchase terminal 100 as a payment of cryptocurrency in the transaction database.

Here, the blockchain can form a network by country, region, and service.

Hereinafter, a virtual currency service having the above-described configuration will be described with reference to FIG. 3.

Referring to FIG. 3, (a) the purchase terminal 100 and the virtual currency service providing server 300 may be one node of the blockchain network, or may be granted as a node after authentication.

At this time, (b) when the purchase terminal 100 purchases virtual currency, the purchase terminal 100 transfers cash to the virtual currency service providing server 300 through payment or deposit, and the virtual currency service providing server 300 ), after storing the purchaser's information and the amount of the virtual currency purchased, deposits the paid amount to at least one bank server 400 for guarantee of payment. In addition, the virtual currency service providing server 300 newly shares the database of the blockchain through updates.

(c) Then, when the purchase terminal 100 pays for coffee at the merchant terminal 600, when using the alpha coin, that is, the virtual currency, the merchant terminal 600, the virtual currency service providing server 300 Payment request is made to the at least one bank server 400. At this time, the payment method is not limited to a card or an account transfer, and it will be obvious that it can be various, such as an app pay.

And, (d) the virtual currency service providing server 300 receives the investment from the investment terminal 500, provides the loan service to the merchant terminal 600 with the investment amount, the amount and interest received from the merchant terminal 600 Return to the investment terminal 500 as a profit, and accumulate fees. And, the virtual currency service providing server 300 charges instead of the rental terminal 700 with the borrowed terminal 800 using the rental service, and also receives a fee when receiving payment. In addition, when a virtual currency is purchased from the purchase terminal 100, the distribution is shared with the buyer through commissions and interest income obtained through rental and finance.

In addition, (e) the virtual currency service providing server 300 analyzes big data, estimates expected profits, calculates a cryptocurrency issuance, and makes an issuance plan.

The descriptions of the methods for providing the virtual currency service of FIGS. 2 to 4 are not easily explained from the contents described or described above with respect to the method of providing the virtual currency service through FIG. 1. It should be omitted.

5 is a view for explaining an embodiment in which a virtual currency service using a profit based on a blockchain-based rental and finance according to an embodiment of the present invention is implemented. Hereinafter, an example of a process in which data is transmitted and received between each of the components will be described with reference to FIG. 5, but the present application is not limited to such an embodiment, and is illustrated in FIG. 5 according to various embodiments described above. It is apparent to those skilled in the art that the process of transmitting and receiving data can be changed.

Referring to FIG. 5, when the virtual currency service providing server 300 receives the deposit through the purchase from the purchase terminal 100, the payment guarantee is performed through the deposit to the bank server 400 (S5100, S5200). The currency service providing server 300 updates the database, allocates nodes, and allows the book to be shared through authentication, and the bank server 400 guarantees payment of the amount purchased by the buyer (S5300).

Meanwhile, the virtual currency service providing server 300 divides the investment money from the investment terminal 500 on a daily basis (S5500), and receives a loan request from the merchant terminal 600 (S5600), the loan from the merchant terminal 600 Whether it can be recovered

After judging, deposit the loan and monitor whether or not the daily repayment is deposited according to the contract (S5700).

At this time, the virtual currency service providing server 300, when the daily repayment is not deposited from the merchant terminal 600, sounds an alarm to prompt payment or terminate the loan contract (S5710).

Meanwhile, the virtual currency service providing server 300 accumulates fees as a share (S5730), and shares and distributes interest income to the purchase terminal 100 (S5750). Accordingly, the purchase terminal 100, Upon receiving interest (S5800), and request payment from the purchase terminal 100 to the merchant terminal 600 (S5810), the merchant terminal 600 requests payment to the virtual currency service providing server 300 (S5830) ), the virtual currency service providing server 300 requests payment to the bank server 400 (S5850).

In addition, the virtual currency service providing server 300, when the target is the investment is completed (S5900), to organize the proceeds, if the investment is not completed, return to S5400 and loop through until the investment is made. .

The order between the above-described steps (S5100 to S5910) is only an example, and is not limited thereto. That is, the order between the above-described steps (S5100 ~ S5910) may be mutually variable, some of which may be executed or deleted simultaneously.

Such a method that is not described for the method of providing a virtual currency service using finance and rental of FIG. 5 is the same or as described above with respect to the method of providing a virtual currency service using finance and rental through FIGS. Since it can be easily inferred from the contents, the following description will be omitted.

6 is an operation flowchart for explaining a method for providing a virtual currency service using profits of a blockchain-based rental and finance according to an embodiment of the present invention.

Referring to FIG. 6, the virtual currency service providing server receives a purchase event for purchasing a virtual currency from a purchasing terminal (S6100), and designates and stores one node of a blockchain (S6200). )

Then, the virtual currency service providing server receives a payment corresponding to the virtual currency through the purchase terminal (S6300), pays the virtual currency corresponding to the amount paid by the purchase terminal to the purchase terminal, and pays the amount paid by the purchase terminal. Accumulate to guarantee payment through at least one bank server (S6400)

In addition, the virtual currency service providing server, when a transaction according to payment occurs in the purchase terminal, requests payment to the merchant terminal that requested payment through at least one bank server (S6500).

Then, when the payment according to the payment is completed, the virtual currency service providing server updates the book data recording the virtual currency to be shared by at least one node of the black chain (S6600).

The description of the method for providing the virtual currency service of FIG. 6 is easily explained from the contents described or described for the method for providing the virtual currency service through FIGS. It should be omitted.

The method for providing a virtual currency service according to an embodiment described with reference to FIG. 6 may also be implemented in the form of a recording medium including instructions executable by a computer, such as an application or program module executed by the computer. Computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. Also, the computer-readable medium may include any computer storage medium. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data.

The method for providing a virtual currency service according to an embodiment of the present invention described above may be executed by an application basically installed in a terminal (which may include a program included in a platform or an operating system basically installed in the terminal), It may also be executed by an application (i.e., a program) that the user directly installed on the master terminal through an application providing server such as an application store server, an application or a web server related to the corresponding service. In this sense, the method for providing a virtual currency service according to an embodiment of the present invention described above is implemented as an application (that is, a program) basically installed in a terminal or directly installed by a user, and a computer such as a terminal is used.

It can be recorded on a readable recording medium.

The above description of the present invention is for illustration only, and a person having ordinary knowledge in the technical field to which the present invention pertains can understand that it can be easily modified into other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the embodiments described above are illustrative in all respects and not restrictive. For example, each component described as a single type may be implemented in a distributed manner, and similarly, components described as distributed may be implemented in a combined form.

The scope of the present invention is indicated by the following claims rather than the above detailed description, and it should be interpreted that all changes or modified forms derived from the meaning and scope of the claims and equivalent concepts thereof are included in the scope of the present invention. do.

none

Claims (1)

Updating data to be shared by at least one node of the blockchain; Including,
After the step of paying the virtual currency corresponding to the amount paid by the purchase terminal to the purchase terminal, and accumulating the amount paid by the purchase terminal to be guaranteed by payment through at least one bank server,
If there is a loan request received from the merchant terminal, requesting to the at least one bank server the amount of the loan request from the merchant terminal to be paid from the amount accumulated through the at least one bank server;
Recovering the repayment amount divided by day within a pre-contracted target price within the pre-contracted period of the loan amount from the merchant terminal;
Further comprising the step of accumulating a fee excluding the principal amount of the recovered reimbursement to the at least one bank server as a profit to be shared with the purchase terminal;
After the step of paying the virtual currency corresponding to the amount paid by the purchase terminal to the purchase terminal, and accumulating the amount paid by the purchase terminal to be guaranteed by payment through at least one bank server,
Registering a rental terminal for renting a product or service product, and a rental terminal for receiving the service of the rental terminal;
Charging a fee using the service of the rental terminal to the vehicle terminal based on usage;
Receiving the billed amount from the borrowed terminal and depositing a balance excluding the fee from the billed amount to the rental terminal;
Accumulating the fee as a profit to be shared by the purchase terminal in the at least one bank server;
The system further comprises, blockchain-based rental and profit-sharing system through blockchain-based system linkage using financial proceeds.

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