KR20210005380A - Method for Providing Secured Loan of Cryptocurrency based on Blockchain for Trading Financial Instruments - Google Patents

Abstract

According to a method for providing secured loan of cryptocurrency based on blockchain for trading financial products of the present invention, in a method executed through a system including an operator′s operating server and a user terminal program which can be linked with a brokerage server which provides real world financial product transactions and can be linked with an exchange server which provides cryptocurrency trading in a blockchain world, a procedure for concluding a reverse order agent contract in which the user is reversely designated as an order agent for an operating account for financial product transaction in the name of an operator provided on a brokerage server side is executed.

Description

Method for Providing Secured Loan of Cryptocurrency based on Blockchain for Trading Financial Instruments}

The present invention uses the cryptocurrency of the blockchain world to buy and sell various financial products through a real-world securities company server. It is to provide the sale of.

Blockchain technology is a decentralized data storage technology that records confirmed transaction details in a block for a certain period of time, and copies and stores them on multiple computers (Node). Prevent.

Currently, the blockchain is mainly developed and used for issuing cryptocurrencies (e.g., Bitcoin (BTC), Ethereum (ETH), ERC (Ethereum Request for Comments) tokens, etc.) and recording the transaction details of them). Types of cryptocurrencies are developed or issued, and are traded through so-called exchanges.

Meanwhile, blockchain-based cryptocurrencies were developed or issued with the aim of decentralized currency, but cryptocurrencies that function as currencies do not exist until now, but only function as targets that are traded through exchanges in the blockchain world It has a problem. In particular, cryptocurrency itself based on blockchain technology, which is a decentralized data storage technology, has a number of technically difficult problems to actually function as a currency channel in the real world.

It is an object of the present invention to provide a system including an operating server of an operator and a program of a user terminal that can be interlocked with a stock company server that provides financial product transactions in the real world and can be linked with an exchange server that provides cryptocurrency transactions in the blockchain world. In the method executed through, a procedure for signing a reverse method order agent contract in which the user is designated as an order agent of an operating account for financial product transaction in the name of an operating company provided on the brokerage server side is performed, and the reverse method order Set the cryptocurrency of the s (s≤S) cryptocurrency unit among the cryptocurrencies of the S (S≥minimum cryptocurrency unit) cryptocurrency unit held in the designated user's electronic wallet between the user with the agent contract and the designated lender as collateral Therefore, after lending the cryptocurrency of the B(B>s) cryptocurrency unit from the lender for the purpose of trading financial products, repay the cryptocurrency of the designated R(R≥B) cryptocurrency unit at the expiration of the designated loan period. Before expiration, a procedure for signing a cryptocurrency collateral loan contract including a standard cryptocurrency unit to execute counter trading for forced repayment of the loaned cryptocurrency is performed, and the cryptocurrency collateral loan when the cryptocurrency collateral loan contract is concluded Performs a loan processing procedure to transfer the cryptocurrency of the B cryptocurrency unit among the cryptocurrencies held in the electronic wallet of the lender designated on the basis of the contract to the designated user electronic wallet, and the reverse order agent contract and the loaned cryptocurrency On the basis of, the financial product trading procedure performed through the securities company server and the cryptocurrency trading procedure performed through the exchange server are linked to check k (1 ≤ k ⊂N) financial products held by the user, and the Check the financial product market price change information for the k financial products through a securities company server, check the cryptocurrency price change information for the cryptocurrency through the exchange server, and check the financial product price change information and the cryptocurrency. Based on the market price change information, an estimate of recoverable cryptocurrency units through counter trading of the k financial products is calculated, and the cryptocurrency unit held in the designated user's electronic wallet and the designated operator's electronic paper Whether the sum of the user-related cryptocurrency units held by A and the estimates of the cryptocurrency units recoverable through counter-trading is greater than or less than the standard cryptocurrency units specified in the cryptocurrency collateral loan contract And if the sum of the user's potential secured cryptocurrency units before the expiration of the loan period is less than the standard cryptocurrency unit, counter-selling of the k financial products through the securities company server according to the cryptocurrency collateral loan contract A cryptocurrency trading procedure to recover cryptocurrencies corresponding to the counter trading through the exchange server, while automatically performing the included financial product trading procedure, and the cryptocurrency held in the designated user's electronic wallet and the designated operator's electronic wallet Trading of financial products that performs a loan repayment procedure for repaying the cryptocurrency of the R cryptocurrency unit among the cryptocurrencies retained by the user and the cryptocurrency retained by the user including one or more of the recovered cryptocurrencies held in the designated lender's electronic wallet. It is to provide a method of providing a collateral loan for a blockchain based cryptocurrency

The present invention is executed through a system including an operating server of an operator and a program of a user terminal that can be interlocked with a stock company server that provides financial product transactions in the real world and can be linked with an exchange server that provides cryptocurrency transactions in the blockchain world. In the method, the first step and the reverse method of performing a procedure for signing a reverse method order agent contract in which a user is designated as an order agent of an operating account for financial product transaction in the name of an operating company provided on the securities company server side. The cryptocurrency of the s (s≤S) cryptocurrency unit of the cryptocurrency unit of the S (S≥Minimum cryptocurrency unit) cryptocurrency unit held in the designated user's electronic wallet between the user with which the order agent contract is signed and the designated lender as collateral After setting and lending the cryptocurrency of the B(B>s) cryptocurrency unit from the lender for the purpose of trading financial products, repay the cryptocurrency of the designated R(R≧B) cryptocurrency unit at the expiration of the designated loan period, but the loan The second step of performing a procedure for signing a cryptocurrency collateral loan contract including a standard cryptocurrency unit to execute counter trading for compulsory repayment of the loaned cryptocurrency before the expiration of the period, and the above when the cryptocurrency collateral loan contract is concluded. The third step of performing a loan processing procedure of transferring the cryptocurrency of the B cryptocurrency unit among the cryptocurrencies held in the electronic wallet of the lender designated on the basis of the cryptocurrency collateral loan contract to the designated user electronic wallet, and the reverse order agent Based on the contract and the loaned cryptocurrency, the financial product trading procedure performed through the brokerage company server and the cryptocurrency trading procedure performed through the exchange server are linked to the user's k (1 ≤ k⊂N) number of A fourth step of checking financial products and a fifth step of checking financial product price change information for the k financial products through the brokerage server and cryptocurrency price change information for the cryptocurrency through the exchange server And a sixth step of calculating an estimate of recoverable cryptocurrency units through counter-trading for the k financial products based on the confirmed financial product price change information and the cryptocurrency market price change information. The sum of the cryptocurrency units held in the user's electronic wallet, the user-related cryptocurrency units held in the designated operator's electronic wallet, and the estimated cryptocurrency units recoverable through the counter-trading, the sum of the user's potential secured cryptocurrency units is the cryptocurrency collateral The seventh step of determining whether the loan contract is more than or less than the specified standard cryptocurrency unit, and if the sum of the user's potential secured cryptocurrency units before the expiration of the loan period is less than the standard cryptocurrency unit, the cryptocurrency collateral loan contract Accordingly, a financial product trading procedure including counter trading for the k financial products is automatically performed through the securities company server, and a cryptocurrency trading procedure for recovering the cryptocurrency corresponding to the counter trading through the exchange server is performed. The eighth step and the cryptocurrency of the R cryptocurrency unit among user-owned cryptocurrencies including one or more of the cryptocurrency held in the designated user electronic wallet, the user-related cryptocurrency held in the designated operator electronic wallet, and the recovered cryptocurrency. It characterized in that it comprises a ninth step of performing the loan repayment procedure to repay the designated lender's electronic wallet.

In the present invention, the first step is to perform an information provision procedure of providing information on the contract contents of the reverse order agent contract to a user terminal, or to the user regarding the contract contents of the reverse order agent contract by interlocking with the user terminal. It characterized in that it comprises the step of performing the consent procedure.

In the present invention, the first step includes generating a contract electronic document for signing a contract with the user and the reverse order agent, and attaching the user's electronic signature to the contract electronic document in connection with the user terminal And performing a procedure of attaching an electronic signature of the operator and performing a procedure of providing a contract electronic document with the electronic signature attached to the securities company server.

In the present invention, the first step comprises the steps of generating a verification electronic document proving that the reverse order agent contract is signed through a specified procedure between the user and the operator, and the verification electronic document to the securities company server. It characterized in that it comprises the step of performing the provided procedure.

In the present invention, in the fourth step, the purchase price information based on N real currencies for each of N (N≥1) financial products checked in connection with the securities company server and the designated cryptocurrency checked in connection with the exchange server Step 4-1 of generating N cryptocurrency-based purchase price information for each of N financial products using real money-based selling price information, and n(1≤) through the program of the user terminal for which the reverse order agent contract is signed. Step 4-2 of processing to output transaction-related information including n≤N) information on financial products and n cryptocurrency-based purchase price information for each n financial products, and the n financial information through the program of the user terminal. Step 4-3 of confirming transaction request information including information on i (1 ≤ i ≤ n) financial products to be purchased based on the reverse order agent contract among products and information on the amount of purchase for each i financial product, and the brokerage server The financial product purchase procedure is performed in which the i financial products are purchased as much as the purchase amount for each of the i financial products through the real money deposited in the operating account in connection with the operation account. Performs a cryptocurrency selling procedure that sells cryptocurrencies including cryptocurrency units for purchase to purchase the i financial products as much as the purchase amount for each of the i financial products among cryptocurrencies deposited in the operating account under the name of the operator And performing a cryptocurrency transfer procedure for transferring the cryptocurrency corresponding to the purchase cryptocurrency unit among cryptocurrencies held in the designated user electronic wallet to the designated operator electronic wallet, wherein the k The financial product is characterized by comprising the i financial products.

In the present invention, the purchase price information based on N real currencies for each N financial products corresponding to N (N≥1) financial product information specified in connection with the securities company server is checked, and the designated cryptocurrency in connection with the exchange server The step of confirming the real currency-based selling price information of the, wherein step 4-1, the N real currency-based purchase price information for each of the identified N financial products and the real currency-based real currency of the confirmed cryptocurrency And generating N cryptocurrency-based purchase price information for each of N financial products using the selling price information.

In the present invention, the N real money-based purchase price information for each of the N financial products includes N real-time purchase price information that enables real-time purchase of N financial products through real money in connection with the securities company server. It characterized in that it is made by doing.

In the present invention, the real money-based selling price information of the cryptocurrency includes real-time selling price information that enables real-time selling of a designated cryptocurrency unit of the cryptocurrency designated through the real money in connection with the exchange server. It is characterized by that.

In the present invention, the N number of cryptocurrency-based purchase price information for each of the N financial products includes N number of real-time purchases of N financial products through the stock company server in connection with real-time selling of designated cryptocurrencies through the exchange server. It is characterized by including real-time purchase price information.

In the present invention, the step 4-3 further comprises the step of confirming a purchase cryptocurrency unit and a purchase real money unit for buying the i financial products as much as the purchase amount for each i financial product. It is characterized by that.

In the present invention, in the fourth step, when the user has h (1 ≤ h ⊂N) financial products based on the reverse order agent contract, N (N≥ 1) Selling price information based on N cryptocurrencies for each of N financial products by using the selling price information based on N real currencies for each financial product and the real currency based purchase price information of the designated cryptocurrency verified in connection with the exchange server. A transaction including information on h pieces of financial products held by the user and information on selling prices based on h cryptocurrencies for each of h financial products through the step 4-1 of generating and the program of the user terminal in which the reverse order agent contract was signed Step 4-2 of processing to output related information and information about j (1 ≤ j ≤ h) pieces of financial products to be sold based on the reverse order agent contract among the h financial products through the program of the user terminal Step 4-3 of checking the transaction request information including the sale amount information for each of j financial products, and the j financial products held by the user based on the reverse order agent contract in connection with the securities company server While performing the procedure for selling financial products that handles selling as much as the amount sold for each product, the j financial products are sold as much as the j number of financial products sold through an operating account in the name of the operator provided in the exchange server in connection with the exchange server. It characterized in that it comprises a step 4-4 of performing a cryptocurrency buying procedure for buying and processing cryptocurrency including cryptocurrency units to be obtained when selling.

In the present invention, a cryptocurrency designated by linking with the exchange server to check the selling price information based on N real currencies for each of N financial products corresponding to N (N≥1) financial product information specified in connection with the securities company server The step of confirming the purchase price information based on the real currency of the, wherein step 4-1, the N real currency-based selling price information for each of the identified N financial products and the real currency based of the confirmed cryptocurrency And generating N cryptocurrency-based selling price information for each of N financial products using the purchase price information.

In the present invention, the N real money-based selling price information for each of the N financial products includes N real-time selling price information that enables real-time selling of N financial products through real money in connection with the securities company server. It characterized in that it is made by doing.

In the present invention, the real-time purchase price information of the cryptocurrency is characterized in that it includes real-time purchase price information that enables real-time purchase of a designated cryptocurrency unit of a designated cryptocurrency in connection with the exchange server without a time delay. .

In the present invention, the N number of cryptocurrency-based selling price information for each of the N financial products includes N number of real-time sales of N financial products through the securities company server in connection with the real-time purchase of a designated cryptocurrency through the exchange server. It is characterized by including real-time selling price information.

In the present invention, the step 4-3 further comprises the step of confirming a cryptocurrency unit to be obtained when selling the j financial products by the amount of selling the j financial products.

In the present invention, in the step 4-4, a cryptocurrency corresponding to a cryptocurrency unit to be obtained when selling the j financial products by the amount of each of the j financial products is transferred from a designated operator's electronic wallet to a designated user electronic wallet. It characterized in that it further comprises the step of performing a transfer procedure of the cryptocurrency to be transferred.

In the present invention, the sixth step includes performing a financial product trading procedure for counter trading of the k financial products through the securities company server based on the confirmed financial product price change information, and at the same time And calculating an estimate of recoverable cryptocurrency units by performing a cryptocurrency trading procedure for recovering cryptocurrencies corresponding to the counter trading through the exchange server based on the market price change information.

In the present invention, when the sum of the user's potential secured cryptocurrency units at the expiration of the loan period is equal to or greater than the reference cryptocurrency unit, the cryptocurrency held in the user's electronic wallet designated according to the cryptocurrency collateral loan contract and the designated operator's electronic wallet It characterized by further comprising the step of performing a loan repayment procedure for repaying the cryptocurrency of the R cryptocurrency unit among user-owned cryptocurrencies including one or more user-related cryptocurrencies held in the designated lender's electronic wallet. .

According to the present invention, there is an advantage of being able to buy and sell various financial products that are traded through a real-world securities company server using a blockchain-based cryptocurrency. In other words, according to the present invention, various financial products traded through the real-world securities company server are traded by using a block-chain-based cryptocurrency, which has previously only functioned as a target traded through an exchange in the blockchain world, as a currency in the real world. There is an advantage to be able to do.

According to the present invention, when there is a lack of blockchain-based cryptocurrency for buying and selling financial products in the real world, a user can borrow the insufficient cryptocurrency and trade various financial products that are traded through a securities company server.

1 is a diagram showing the configuration of a cryptocurrency-based financial product transaction system according to an embodiment of the present invention.
2 is a diagram illustrating a process of signing a contract for a reverse order agent according to an implementation method of the present invention.
3 is a diagram illustrating a cryptocurrency collateral loan process according to an implementation method of the present invention.
4 is a diagram illustrating a process of providing information for a cryptocurrency-based financial product transaction according to an exemplary embodiment of the present invention.
5 is a diagram illustrating a cryptocurrency-based financial product transaction process according to an embodiment of the present invention.
6 is a diagram illustrating a process of providing information for a cryptocurrency-based financial product transaction according to another embodiment of the present invention.
7 is a diagram illustrating a cryptocurrency-based financial product transaction process according to another embodiment of the present invention.
8 is a diagram illustrating a cryptocurrency loan repayment process according to an implementation method of the present invention.

Hereinafter, the operating principle of a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. However, the drawings and the description to be described below are for a preferred implementation method among various methods for effectively describing the features of the present invention, and the present invention is not limited to the following drawings and description.

That is, the following examples correspond to preferred union-type examples among the numerous examples of the present invention, and examples in which specific configurations (or steps) are omitted in the following examples, or specific configurations (or steps). An embodiment of dividing the implemented function into a specific configuration (or step), or an embodiment of integrating a function implemented in two or more configurations (or steps) into any one configuration (or step), of a specific configuration (or step) Even if not mentioned separately in the following examples, the embodiments and the like in which the operation sequence is replaced are all clearly within the scope of the present invention. Accordingly, it is clearly stated that various examples corresponding to a subset or a complementary set may be divided by retrospectively receiving the filing date of the present invention based on the following examples.

In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. In addition, terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to the intention or custom of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

As a result, the technical idea of the present invention is determined by the claims, and the following examples are a means for efficiently explaining the technical idea of the present invention to those of ordinary skill in the art to which the present invention belongs. Only.

FIG. 1 is a diagram showing the configuration of a cryptocurrency-based financial product transaction system according to an embodiment of the present invention.

In more detail, this drawing 1 shows the configuration of a system that provides loan processing of designated cryptocurrencies in the blockchain world for the purpose of trading financial products in the real world, and providing trading of various financial products in the real world using the loaned cryptocurrencies. As one, for those of ordinary skill in the technical field to which the present invention belongs, various implementation methods for the configuration of the cryptocurrency-based financial product transaction system by referring and/or modifying this Figure 1 (e.g., some components are omitted) Or, subdivided, or combined implementation method) may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited only by the implementation method shown in FIG.

The system of the present invention includes an operating server 100 of an operator interlocking with a stock company server 185 that provides financial product transactions in the real world and an exchange server 190 that provides cryptocurrency transactions in the blockchain world. And, it includes a user terminal 180 interworking with the operation server 100 through a communication network. On the other hand, this drawing 1 shows the operation server 100 in the form of one server for convenience, but the operation server 100 of the present invention is implemented in the form of two or more server systems or software installed on a pre-built server. All are possible, and the present invention is not limited by the method of implementing the operation server 100.

The user terminal 180 is a generic term for a terminal used by a user to trade financial products in the real world using cryptocurrency in the blockchain world, and preferably, a wired terminal such as a personal computer or laptop, a mobile phone, a smartphone, or a tablet. It may include a wireless terminal such as a PC.

According to the implementation method of the present invention, the user terminal 180 may install and/or run a program that performs a specified function to provide a financial product transaction in the real world using cryptocurrency in the blockchain world.

According to the first embodiment of the present invention, each function specified to provide real-world financial product transactions using cryptocurrency in the blockchain world (e.g., reverse order agent contract execution function between user and operator, real world A function of interworking with the securities company server 185, a function of interworking with the exchange server 190 of the blockchain world, a function of checking/creating/calculating information for cryptocurrency-based financial product transactions, The financial product transaction procedure function, the cryptocurrency transaction procedure function linked with the exchange server 190, the cryptocurrency transfer procedure function, etc.) can be implemented/processed through the operation server 100, in which case the user terminal 180 The program of is a function of interworking with the operation server 100 through a communication network, a function of inputting/creating and transmitting information for performing each function designated through the operation server 100, and through the operation server 100 It may include a function of receiving/outputting information on a process of performing each designated function. For example, the program of the user terminal 180 may be implemented in the form of an application program interlocking with the operation server 100, and the operation server 100 includes a web server function or interlocks with a web server The program of the user terminal 180 may be implemented in the form of a browser program linked with the operation server 100 through a web page/script.

According to the second embodiment of the present invention, each function designated to provide financial product transactions in the real world using cryptocurrency in the blockchain world can be implemented/processed through the program of the user terminal 180, In this case, the program of the user terminal 180 is implemented in the form of an application program that implements/processes each of the specified functions, and the operation server 100 interworks with the user terminal 180 to provide member management for the user. It may include a function or a function for managing and maintaining each designated function implemented/processed through a program of the user terminal 180 for the purpose of the present invention.

According to the third embodiment of the present invention, some of the functions designated to provide financial product transactions in the real world using cryptocurrency in the blockchain world are distributed through the program of the user terminal 180 / It is processed, and some other functions among the designated functions may be implemented/processed in a distributed manner through the operation server 100. In this case, the program of the user terminal 180 is implemented in the form of an application program that implements/processes some of the functions of each of the designated functions and interworks with the operation server 100 in real time, and the operation server 100 It is possible to perform real-time interworking with a program of the user's wireless terminal while performing some other functions among the designated functions. On the other hand, in the case of the third embodiment, the program of the user terminal 180 and the operation server 100 are sequentially interlocked and processed according to a specified order and/or multiple processing is performed within a specified time (time zone). Each of them is multi-processed (e.g., through the program of the user terminal 180) and interlocks with the exchange server 190 of the blockchain world through the operation server 100 while processing the function of interlocking with the real-world securities company server 185 Functions, etc.)

Hereinafter, for convenience, the present invention focuses on the first embodiment of performing each function designated to provide financial product transactions in the real world using cryptocurrencies in the blockchain world through the operation server 100. The features will be described, but the present invention is by no means limited thereto, and the present invention is a third embodiment through the program of the operation server 100 and the user terminal 180 as well as the second embodiment other than the first embodiment. It is to be clear that the number of all cases of distributing the examples can be included as a scope of rights.

The operation server 100 is a generic term for a server-side configuration constructed to trade financial products in the real world using cryptocurrencies in the blockchain world. In the case of the first embodiment of the present invention, the operation server 100 is provided with the configuration of the operation server 100 shown in Figure 1, in this case, the program of the user terminal 180 is the operation shown in Figure 1 A corresponding configuration related to the configuration of the server 100 may be implemented. On the other hand, in the case of the second embodiment of the present invention, the configuration of the operation server 100 shown in this figure 1 can be implemented through a program of the user terminal 180, in this case, the operation server 100 is the user terminal ( 180) may be provided with a corresponding configuration related to the configuration implemented through the program. Meanwhile, in the case of the third embodiment of the present invention, the operation server 100 includes some of the configurations of the operation server 100 shown in FIG. 1, and some other configurations may be implemented through a program of the user terminal 180. I can.

Referring to Figure 1, the operation server 100, a member registration unit 105 that performs a member registration procedure for a user, and a brokerage server 185 side of the user who is registered as a member during or after the member registration procedure. The securities company has a contract processing unit 110 that performs a procedure for signing a contract with a reverse order agent specifying a reverse method as an order agent for an operating account for financial product trading provided in the operating company's name. It includes an information storage unit 115 for storing and managing information necessary for trading financial products through the server 185 in a designated management DB.

The member registration unit 105 interworks with the user terminal 180 to perform a membership registration procedure for a user. According to the implementation method of the present invention, the user terminal 180 may access the operation server 100 through a web browser and request a user to sign up for membership. In this case, the member sign-up unit 105 In conjunction with the browser driven at (180), a membership registration procedure for a user may be performed in a web manner. Meanwhile, the user terminal 180 may request a user to sign up for a member by driving a designated program. In this case, the member sign-up unit 105 interlocks with the program of the user terminal 180 to perform a membership sign-up procedure for the user through an app method. You can do it. The information storage unit 115 registers and stores the user information obtained through the membership registration process through the member registration unit 105 in a designated management DB.

According to the implementation method of the present invention, the information storage unit 115 interlocks with the membership registration procedure and/or passes through a designated registration procedure to purchase and sell financial products through a designated cryptocurrency (e.g., Cryptocurrency to be used) may be checked/registered and stored in a designated management DB in association with the user information (or at least one identification information included in the user information). Meanwhile, the information storage unit 115 stores information necessary to perform a cryptocurrency transfer procedure for a designated cryptocurrency deposited in a designated user electronic wallet (eg, various key values for cryptocurrency transfer) to the user electronic wallet. The information and/or the user information (or at least one identification information included in the user information) may be stored and managed in a secure medium, and the cryptocurrency transfer procedure may be initiated based on this.

The contract processing unit 110, during or after performing the membership registration procedure for the user through the member registration unit 105, the user who is being registered as a member through the member registration procedure or is registered as a member by the securities company server 185 Performs the procedure for signing a contract with a reverse ordering agent that designates the reverse method as the order agent of the operating account for financial product transaction in the name of the operating company.

In general, an order agent contract means that when a customer transaction account in the name of a customer is opened at a securities company, in principle, the operator cannot conduct trading based on the customer transaction account as a person other than the account name of the customer transaction account. In accordance with Article 4-20 (11) C of the Business Regulations, when the operator is designated as the order agent for the customer's transaction account, the operator who is not the account holder can also conduct trading based on the customer's transaction account. It can be used when a general customer requests an investment from an operator who is an expert in the field of financial investment.

On the other hand, the reverse order agent contract according to the present invention is in a reverse manner to the general order agent contract that sets up an operating company as an order agent for a trading account in the name of a customer, and the securities company server 185 side After opening an operating account for trading financial products in the name of the operating company, a user who subscribes to the operating company is designated in the reverse manner as an order agent of the operating account under the name of the operating company provided on the securities company server 185 side. In addition, in the usual order agent contract, the financial product traded through the customer's transaction account is owned by the customer, but the reverse order agent contract according to the present invention is reversed from the normal order agent contract, and the securities company server 185 side Financial products traded through the operating account in the name of the operating company provided in are defined as owned by the user who signed a contract with the operator and the reverse order agent according to the contract. That is, the reverse order agent contract according to the present invention only uses the order agent system pursuant to Article 4-20 (11c) of the Financial Investment Business Regulations, and its operation method is a normal order agent contract based on the contract between the user and the operator. It operates in a completely different way than that, and the detailed operation method is defined by the contract between the user and the operator.

According to the implementation method of the present invention, the contract processing unit 110 is a reverse order agent according to the present invention between the user and the operator during or after performing a membership registration procedure for a user through the member registration unit 105 In order to enter into a contract, an information provision procedure of providing information on the contract information on the reverse order agent contract to the user terminal 180 is performed, and/or in conjunction with the user terminal 180, the reverse method order agent contract User consent procedure for contract content can be performed. Preferably, the contract details of the reverse order agent contract are the contract details that designate the user as the order agent of the operating account in the name of the operating company provided on the stock company server 185 side, and the order agent contract, unlike a normal order agent contract. On the basis of, it includes the contract details for the ownership of the financial product that the user traded through the operating account under the name of the operating company, and the trading of financial products through the operating account under the name of the operating company for the transaction of financial products using cryptocurrency. It may further include details of contracts related to various operating methods of operating or canceling the contract of the reverse method order agent.

According to the first reverse method order agent contract procedure embodiment of the present invention, the contract processing unit 110 contracts the user and the reverse method order agent based on the information provision procedure and user consent procedure for the reverse method order agent contract. After creating a contract electronic document for execution, attaching the user's electronic signature to the contract electronic document by interlocking with the user terminal 180 and attaching the operator's electronic signature, the electronic signature is A procedure of providing the attached electronic contract document to the securities company server 185 may be performed.

According to the second reverse order agent contract procedure embodiment of the present invention, the contract processing unit 110 includes one or more electronic documents for a reverse order agent contract between the user and the server/terminal of the operator (or operator's agent). The information exchange procedure for performing an online procedure for exchanging and/or an offline procedure for exchanging one or more paper documents for the reverse order agent contract between the user and the operator (or the operator's agent) may be performed. Meanwhile, when the reverse method order agent contract is concluded between the user and the operator through a designated online/offline procedure, the contract processing unit 110 concludes the reverse method order agent contract through a specified procedure between the user and the operator. It is possible to perform a procedure of generating a verification electronic document proving that the verification is performed and providing the verification electronic document to the securities company server 185.

According to an embodiment of the third reverse order agent contract procedure of the present invention, the contract processing unit 110 provides user information about the user to the terminal of the operator or the terminal of the operator's agent, and between the user and the operator. It can be processed to perform an offline contract procedure based on one or more paper documents. On the other hand, if the reverse method order agent contract is concluded between the user and the operator through the specified offline contract procedure, the employee or agent of the operator side proves that the reverse method order agent contract is signed through the offline contract procedure. Proof contract document may be provided to the securities company server 185.

During or after performing a procedure for signing a reverse order agent contract between the user and the operator through at least one (or at least a partial combination of two or more) of the first to third reverse order agent contract procedure embodiments, the information The storage unit 115 includes various information exchanged in the process of signing the reverse order agent contract (e.g., various contract content information, user consent information, etc.) and/or various electronic documents (e.g., contract electronic documents, proof electronic documents, etc.) Etc.) can be stored and managed in a designated storage medium by linking with user information (or at least one identification information included in the user information). Here, the storage medium may include at least one of an operation DB linked with the operation server 100, a block chain related to the cryptocurrency, and a separate block chain that manages the contract signing information.

Referring to Fig. 1, the operation server 100 is a cryptocurrency unit of S (S≥minimum cryptocurrency unit) held in a designated user's electronic wallet between a user who has signed the reverse order agent contract and a designated lender. After setting the cryptocurrency of the s(s≤S) cryptocurrency unit as collateral and lending the cryptocurrency of the B(B>s) cryptocurrency unit from the above lender for the purpose of trading financial products, the designated loan period expires. A loan contract unit 120 that performs a procedure for signing a cryptocurrency mortgage loan contract to redeem the cryptocurrency unit of R(R≥B) cryptocurrency unit, and the cryptocurrency collateral loan contract at the time of signing the cryptocurrency collateral loan contract And a loan processing unit 125 for performing a loan processing procedure of transferring the cryptocurrency of the B cryptocurrency unit among cryptocurrencies held in the electronic wallet of the designated lender based on the designated user electronic wallet.

The loan contract unit 120 receives loan application information for requesting a loan for cryptocurrency in connection with the user terminal 180. Here, the loan application information is a generic term of information necessary for a user to borrow cryptocurrency, for example, user identification information to identify the user, cryptocurrency to be provided as collateral, and/or cryptocurrency loan It may include electronic wallet information corresponding to at least one designated user electronic wallet to be received, and s cryptocurrency unit information to be set as the loan collateral among the cryptocurrencies of the S cryptocurrency unit held in the designated electronic wallet, Period information (however, if it is automatically set, it can be omitted), and interest rate information (if it is set automatically, it can be omitted) may be further included.

According to the implementation method of the present invention, the loan contract unit 120 uses information (eg, user identification information) included in the loan application information to allow the user to access the operating account provided on the stock company server 185 side. You can perform an authentication procedure to authenticate whether the user has signed an order agent contract with the reverse method of Korea. Preferably, when the user who applied for the loan is a user who has entered into a contract with the reverse order agent, a loan procedure for the user may be performed. On the other hand, if only the user who has signed the reverse order agent contract can transmit the loan application information, a separate authentication procedure can be omitted.

If the user is a user who has signed the reverse order agent contract, the loan contract unit 120 provides at least one to lend a cryptocurrency to the user based on the loan application information received from the user terminal 180 Determine the lender of Here, a lender is a generic term for a person who lends cryptocurrency to a user, and preferably a business that has a cryptocurrency higher than a designated cryptocurrency unit (e.g. financial institution, lender, etc.) ), at least one of the operators or affiliates who have cryptocurrencies greater than or equal to the designated cryptocurrency unit and have at least one individual who has been granted the lender qualification and a cryptocurrency greater than or equal to the designated cryptocurrency unit that can be lent to the user. If the lender to lend the cryptocurrency to the user is designated as a specific lender, the loan contract unit 120 may automatically determine the designated lender as the lender to lend the cryptocurrency to the user. On the other hand, when there are multiple lenders to lend cryptocurrency to the user, the loan contract unit 120 determines to match any one of the plurality of lenders as the lender to loan cryptocurrency to the user according to a preset lender selection procedure. Alternatively, a loaner group including some of the plurality of loanholders may be matched as a loanholder to loan cryptocurrency to the user.

According to the implementation method of the present invention, the loan contract unit 120 requests a loan review by providing the user's loan application information to the determined lender side account (or lender side terminal), and the lender side account (or lender side terminal) Side terminal) can perform a loan review procedure for receiving loan approval information or loan rejection information for the loan application information. If the loan examination is automatically performed according to the loan examination rule set in the system, the loan contract unit 120 performs a loan examination procedure to determine approval or rejection of the loan for the loan application information according to the loan examination rule. Can be done.

According to the implementation method of the present invention, the loan contract unit 120 sets the cryptocurrency of the s cryptocurrency unit included in the loan application information as collateral while performing the loan examination procedure or as a result of the loan examination. You can check/determine information on B cryptocurrency units to be loaned for the purpose of trading financial products. Here, the B cryptocurrency unit to be loaned may include a certain multiple (eg, 1.8 times, 2.5 times, 3.0 times, etc.) of the s cryptocurrency unit set as the collateral. In addition, the loan contract unit 120 checks/determines loan period information and interest rate information to lend the B cryptocurrency unit to the user, and fee information related to the loan, and the R cryptocurrency to be repaid when the loan period expires. You can check/determine unit information. If there is no interest according to the interest rate or interest repayment is fully paid before loan repayment and there is no fee, the R cryptocurrency unit may be the B cryptocurrency unit. On the other hand, if there is no interest according to the interest rate or if interest repayment is paid in full before loan repayment, but there is a fee, the R cryptocurrency unit may be a cryptocurrency unit that adds up the cryptocurrency unit corresponding to the fee to the B cryptocurrency unit have. On the other hand, when interest according to the interest rate exists and the loan repayment and interest repayment are performed at the same time, but there is no separate fee, the R cryptocurrency unit adds the B cryptocurrency unit and the cryptocurrency unit corresponding to the interest. It can be one cryptocurrency unit. On the other hand, when interest according to the interest rate exists, the loan repayment and interest repayment are performed at the same time, and the fee is also present, the R cryptocurrency unit is the B cryptocurrency unit and the cryptocurrency unit corresponding to the interest, and the fee. It may be a cryptocurrency unit obtained by summing the cryptocurrency units corresponding to.

On the other hand, when the loan approval for the loan application information is confirmed/determined and information such as various cryptocurrency units for executing the loan, loan period and interest rate is confirmed/determined, the loan contract unit 120 orders the reverse method. The cryptocurrency of the s cryptocurrency unit among the cryptocurrencies of the S cryptocurrency unit held in the designated user's electronic wallet between the user with whom the agent contract is signed and the determined lender is set as collateral, and the B cryptocurrency unit is After the cryptocurrency is loaned for the purpose of trading financial products, contract information corresponding to the cryptocurrency collateral loan contract to repay the cryptocurrency of the R cryptocurrency unit is generated when the specified loan period expires.

On the other hand, according to the present invention, the loan contract unit 120 checks/determines standard cryptocurrency unit information to execute counter trading for forced repayment of the loaned cryptocurrency before the expiration of the loan period, and executes counter trading Generates contract content information for signing a cryptocurrency collateral loan contract, including cryptocurrency unit information. Here, it is preferable that the standard cryptocurrency unit to execute the counter-trading is larger than the loaned B cryptocurrency unit, and smaller than the sum of the s cryptocurrency unit set as the collateral and the loaned B cryptocurrency unit. Do.

When the contract content information for the cryptocurrency collateral loan contract is generated, the loan contract unit 120 performs an information provision procedure of providing the contract content information to the user terminal 180 and/or the user terminal ( 180), a user consent procedure for a cryptocurrency collateral loan contract corresponding to the contract content information may be performed.

When at least one of the information provision procedure and the user consent procedure for the cryptocurrency collateral loan contract is processed, the loan contract unit 120 provides a cryptocurrency corresponding to the contract content information between the user and the determined lender. It is possible to perform the procedure of creating and managing loan contract information for concluding a secured loan contract and storing it in a designated storage medium. Meanwhile, according to an implementation method, a procedure of attaching an electronic signature of the user to the loan contract information and/or a procedure of attaching an electronic signature of the lender may be further performed in connection with the user terminal 180. Meanwhile, the storage medium may include at least one of an operation DB linked to the operation server 100, a block chain related to the cryptocurrency, and a separate block chain for managing the loan contract information.

When the cryptocurrency collateral loan contract is concluded between the user and the lender through the loan contract unit 120, the loan processing unit 125 uses the cryptocurrency held in the electronic wallet of the lender designated on the basis of the cryptocurrency collateral loan contract. A loan processing procedure is performed in which the cryptocurrency of the B cryptocurrency unit designated to be loaned to the user among currencies is transferred to the designated user's electronic wallet. Here, the user's electronic wallet is a generic term for an electronic wallet that receives the cryptocurrency of the loaned B cryptocurrency unit, preferably an electronic wallet provided on a blockchain related to the cryptocurrency, and the exchange server 190 side It may include at least one electronic wallet among electronic wallets corresponding to the provided user account. Meanwhile, according to another implementation method of the present invention, when the cryptocurrency of the B cryptocurrency unit to be loaned is directly transferred and managed based on the cryptocurrency collateral loan contract to the designated operator's electronic wallet, the user's electronic wallet is the operator's electronic wallet. It may include a wallet, whereby the present invention is not limited.

The loan processing unit 125 transfers the cryptocurrency of the B cryptocurrency unit designated to be loaned to the user among cryptocurrencies held in the electronic wallet of the lender based on the cryptocurrency collateral loan contract to the designated user electronic wallet. You can create loan history information for the procedure and store it in a designated storage medium. Meanwhile, the storage medium may include at least one of an operation DB linked with the operation server 100, a block chain related to the cryptocurrency, and a separate block chain for managing the loan details information.

Referring to Figure 1, the operation server 100, in conjunction with the securities company server 185, which provides financial product transactions in the real world, N financial products corresponding to the designated N (N≥1) financial product information An information verification unit 130 that checks the purchase price information based on N real currencies, and checks the real currency-based selling price information of the designated cryptocurrency by interlocking with the exchange server 190 that provides cryptocurrency transactions in the blockchain world. , N real currency-based purchase price information for each of N (N≥1) financial products checked in connection with the securities company server 185 and real currency-based selling of the designated cryptocurrency verified in connection with the exchange server 190 An information generation unit 135 that generates purchase price information based on N cryptocurrencies for each N financial products using price information, and n(1) through a program of the user terminal 180 for which the reverse order agent contract An output processing unit 140 for processing to output transaction-related information including ?n?N) financial product information and n cryptocurrency-based purchase price information for each n financial product.

After the reverse order agent contract is signed between the user and the operator through the contract processing unit 110, the information verification unit 130 is the securities company server 185 for the cryptocurrency-based financial product transaction according to the present invention. In conjunction with, the purchase price information based on N real currencies for each N financial products corresponding to the specified N (N≥1) financial product information is checked.

According to the implementation method of the present invention, N real-time purchase price information based on N real currencies for each N financial products is linked with the securities company server 185 to enable real-time purchase of N financial products through real currency without time delay. It is desirable to include the purchase price information. In general, in HTS, the purchase price refers to the buy-side asking price, which is a price that can be bought only when it matches the seller's asking price, and is not a price that can be bought in real time without delay from the buyer's point of view. Accordingly, it is preferable that the N real currency-based purchase price information for each of the N financial products does not refer to a normal purchase-side ask price, but includes a sell-side price that can be purchased in real time without delay from the buyer's point of view.

On the other hand, after the reverse order agent contract is signed between the user and the operator through the contract processing unit 110, the information verification unit 130 is the exchange server 190 for the cryptocurrency-based financial product transaction according to the present invention. ) And check the real currency-based selling price information of the designated cryptocurrency. Here, cryptocurrency is a generic term for coins/tokens that can be traded and traded through the exchange server 190 in the blockchain world, preferably issued through a unique mining process on its own blockchain network based on its own unique blockchain algorithm. Coins (e.g., Bitcoin (BTC), Ethereum (ETH), etc.)and tokens issued based on smart contracts on a designated blockchain (e.g., Ethereum Request for Comments (ERC) tokens, etc.) may be included. .

According to the implementation method of the present invention, the real-time selling price information of the cryptocurrency based on the real currency is linked to the exchange server 190 to allow real-time selling of the designated cryptocurrency unit of the cryptocurrency designated through the real money without time delay. It is desirable to include information. In general, in cryptocurrency exchanges, the selling price refers to the asking price on the selling side, which is a price that can be sold only when it matches the asking price on the buy side, and is not a price that can be sold in real time without delay from the seller's point of view. Accordingly, it is preferable that the real money-based selling price information of the cryptocurrency does not refer to a normal selling-side asking price, but include a buying-side asking price that can be sold in real time without delay from the seller's point of view.

When the purchase price information based on N real currency for each N financial products in the real world is confirmed through the information verification unit 130 and information on the selling price based on real currency of the designated cryptocurrency in the blockchain world is confirmed, the information is generated. The unit 135 includes purchase price information based on N real currencies for each of N (N≥1) financial products checked in connection with the securities company server 185 and a designated cryptocurrency checked in connection with the exchange server 190. Using the real currency-based selling price information, N cryptocurrency-based purchase price information for each N financial product is generated.

According to the implementation method of the present invention, the N cryptocurrency-based purchase price information for each of the N financial products includes N real currency-based purchase price information for each of the N financial products and the exchange As price information generated by matching the real currency-based selling price information of the designated cryptocurrency checked in connection with the server 190, the securities company server 185 is linked with the real-time selling of the designated cryptocurrency through the exchange server 190. It is desirable to include N real-time purchase price information that enables real-time purchase of N financial products through ).

When N cryptocurrency-based purchase price information for each of the N financial products is generated through the information generation unit 135, the output processing unit 140 provides n (1≦n≦N) financial product information and n financial products. Configures transaction-related information including n cryptocurrency-based purchase price information for each product, and transmits the transaction-related information through the program of the user terminal 180 for which a reverse order agent contract is signed through the contract processing unit 110 Perform the process of processing to be output. Here, the n pieces of financial product information may be selected by a user and/or according to a preset rule, and/or may correspond to a list of financial products of interest registered by the user.

According to the implementation method of the present invention, when the configuration of the output processing unit 140 is implemented on the operation server 100 side, the output processing unit 140 includes information on the n financial products and n encryptions for each n financial products. It is possible to configure transaction-related information including currency-based purchase price information, and provide the transaction-related information to a program of the user terminal 180 for which the reverse order agent contract is signed, and the program of the user terminal 180 May receive and output the transaction related information. Meanwhile, when the configuration of the output processing unit 140 is implemented through a program of the user terminal 180, the output processing unit 140 includes the n financial product information and n cryptocurrency-based purchase price information for each n financial product. You can configure and output transaction-related information including.

According to the implementation method of the present invention, the output processing unit 140 includes the n financial product information and n cryptocurrency-based purchase price information for each n financial product through the program of the user terminal 180. After processing to output the information, the information verification unit 130 periodically performs a procedure for checking the purchase price information based on N real currencies for each N financial products and the procedure for checking the selling price information based on the real currency of the designated cryptocurrency (Or repetitively), and the information generation unit 135 uses the N real currency-based purchase price information for each of the identified N financial products and the real currency-based selling price information of the identified specified cryptocurrency. A procedure for generating N cryptocurrency-based purchase price information for each financial product is periodically (or repetitively) performed, and the output processing unit 140 includes information on n financial products and n information through a program of the user terminal 180. Periodically (or repetitively) a process of processing to output transaction-related information including n cryptocurrency-based purchase price information for each financial product is performed.

According to the implementation method of the present invention, the program of the user terminal 180 periodically (or repetitively) periodically (or repetitively) provides the n financial product information and n cryptocurrency-based purchase price information for each n financial product. During the update output, i (1≤) to purchase based on the reverse order agent contract among the n financial products based on the purchase price information based on n cryptocurrencies for the latest n financial products by user manipulation (or instruction). It is possible to perform a procedure of configuring transaction request information including i≤n) information on financial products and information on the purchase amount for each i financial product.

Referring to Figure 1, the operation server 100, through the program of the user terminal 180, out of the n financial products, i (1 ≤ i ≤ n) financial products to be purchased based on the reverse order agent contract A transaction request confirmation unit 145 that checks transaction request information including product information and purchase quantity information for each i financial product, and a purchase password for purchasing the i financial products as much as the purchase amount for each i financial product It includes a unit confirmation unit 150 for checking the currency unit and the purchase real currency unit.

After the transaction-related information including the n financial product information and n cryptocurrency-based purchase price information for each n financial product is output through the program of the user terminal 180, the transaction request confirmation unit 145 Information on i (1≤i≤n) financial products to be purchased based on the reverse order agent contract among the n financial products through the program of the user terminal 180 outputting the transaction-related information and each of i financial products Check transaction request information including purchase quantity information.

According to the implementation method of the present invention, the program of the user terminal 180 is based on the reverse order agent contract among the n financial products output according to user manipulation. As an order agent for an operating account for financial product transactions, using the operating account under the name of the operating company, the transaction request information including information on i pieces of financial products to be purchased and information on the amount of purchase by i pieces of financial products is configured and transmitted, and the transaction request is confirmed The unit 145 may receive the transaction request information from the program of the user terminal 180.

On the other hand, when transaction request information including information on i financial products to be purchased and information on a purchase amount for each i financial product is confirmed through the transaction request confirmation unit 145, the unit confirmation unit ( 150) is the latest real money-based purchase price information for each financial product and the real currency of the designated cryptocurrency identified through the information verification unit 130 (or provided as a program of the user terminal 180 through the transaction related information). A cryptocurrency unit for purchase (e.g., cryptocurrency-based quantity such as ETH) and a real currency unit for purchase (e.g. KRW Etc.).

According to the first cryptocurrency unit verification embodiment of the present invention, the unit verification unit 150 is based on i real currencies for each i financial product for the i financial products verified through the information verification unit 130 Based on the purchase price information and the real currency-based selling price information of the cryptocurrency, a buying cryptocurrency unit for buying i financial products corresponding to the transaction request information by the amount of each i financial product may be calculated .

According to the second cryptocurrency unit verification embodiment of the present invention, the transaction request information further includes a purchase cryptocurrency unit for each i financial product for buying the i financial products as much as the purchase amount for each i financial product. In this case, the unit confirmation unit 150 may check the purchase cryptocurrency unit obtained by summing the purchase cryptocurrency units for each of the i financial products included in the transaction request information.

According to the third cryptocurrency unit verification embodiment of the present invention, the transaction request information may further include a purchase cryptocurrency unit for buying the i financial products as much as the purchase amount for each i financial product, in this case The unit confirmation unit 150 may check the purchase cryptocurrency unit included in the transaction request information.

According to the implementation method of the present invention, the unit confirmation unit 150 is based on the purchase price information based on i real currency for each i financial product for the i financial products checked through the information verification unit 130 A purchase real currency unit for purchasing the i financial instruments as much as the purchase amount for each of the i financial instruments may be identified. On the other hand, the unit confirmation unit 150 is the number of purchases corresponding to the cryptocurrency unit for purchase confirmed through at least one of the first to third cryptocurrency unit verification embodiments based on the real money-based selling price information of the cryptocurrency. You can also check the real currency unit for use.

Referring to Fig. 1, the operation server 100 performs a procedure of authenticating whether or not a certain percentage of the cryptocurrency for purchase is held in the user electronic wallet related to the cryptocurrency, and/or the In order to purchase the i financial products as much as the purchase amount for each of the i financial products in the operating account provided at the securities company server 185, a certain percentage of the real currency units for purchase corresponding to the purchase cryptocurrency units or more are deposited At the same time, an authentication processing unit that performs a procedure of verifying whether or not a certain percentage of the cryptocurrency for purchase is deposited in the operating account of the operating company provided on the exchange server 190 side. (155), interlocking with the securities company server 185, performing a financial product trading procedure in which the i financial products are purchased and processed as much as the quantity of each i financial products through the real money deposited in the operating account. At the same time, the number of cryptocurrencies deposited in the operating account under the name of the operator provided in the exchange server 190 side by interlocking with the exchange server 190 to purchase the i financial products by the amount of each i financial product Performs a cryptocurrency trading procedure that sells and processes cryptocurrency including cryptocurrency units for use, and transfers cryptocurrencies corresponding to the cryptocurrency units for purchase among cryptocurrencies held in the designated user's electronic wallet to the designated operator's electronic wallet. It includes a transaction processing unit 160 that performs a cryptocurrency transfer procedure.

When a purchase cryptocurrency unit for purchasing the i financial products as much as the purchase amount for each i financial product is confirmed through the unit verification unit 150, the authentication processing unit 155 corresponds to the purchase cryptocurrency unit Check the user's electronic wallet related to the designated cryptocurrency, and verify that the user electronic wallet related to the cryptocurrency has a certain ratio of the cryptocurrency unit for purchase (here, a certain ratio is a designated ratio of 1.00 or more) or more Perform the procedure. Here, the user electronic wallet may include at least one of an electronic wallet provided on a block chain related to the cryptocurrency and an electronic wallet corresponding to a user account provided on the exchange server 190 side.

According to the implementation method of the present invention, in order to purchase financial products in the real world using a designated cryptocurrency, a cryptocurrency that transfers the purchase cryptocurrency unit from among cryptocurrencies held in a designated user electronic wallet to a designated operator electronic wallet. The transfer procedure and the financial product trading procedure and exchange server 190 side to purchase financial products through the stock company server 185 using real money deposited in the operating account in the name of the operating company provided on the side of the stock company server 185 A plurality of transaction procedures are simultaneously initiated (or multi-processed), including a cryptocurrency trading procedure for selling and processing the purchase cryptocurrency unit among cryptocurrencies deposited in the operating account under the name of the provided operating company, and the authentication processing unit 155 ) May perform a procedure of authenticating whether or not more than a certain percentage of the cryptocurrency units for purchase are held in the user's electronic wallet related to the cryptocurrency in order to verify whether the cryptocurrency transfer procedure can be initiated (or processed). .

Meanwhile, the authentication processing unit 155 interlocks with the securities company server 185 (or inquires the real money balance of the operating account) to verify whether the financial product trading procedure can be initiated (or processed), and the securities company server 185 Whether or not more than a certain ratio of real currency units for purchase (here, a certain ratio is a designated ratio of 1.00 or more) to purchase the i financial products as much as the purchase amount for each of the i financial products is deposited in the operating account provided at the side At the same time as performing the authentication procedure, in order to verify whether the cryptocurrency trading procedure can be initiated (or processed), the exchange is linked with the exchange server 190 (or the balance of the operator's electronic wallet corresponding to the operating account is inquired) A procedure of authenticating whether or not more than a certain ratio of the cryptocurrency unit for purchase (here, a certain ratio is a designated ratio of 1.00 or more) is deposited in the operating account of the operating company provided on the server 190 side.

If, through the authentication processing unit 155, it is not authenticated that the user electronic wallet related to the cryptocurrency has more than a certain percentage of the cryptocurrency unit for purchase, it is not authenticated, or the operation provided on the securities company server 185 side It is not authenticated that more than a certain ratio of the real money unit for purchase is deposited in the account, or a cryptocurrency that is more than a certain ratio of the cryptocurrency unit for purchase in the operating account under the name of the operator provided on the exchange server 190 side When it is not authenticated that the money is deposited, the authentication processing unit 155 generates error information for a transaction in which the i financial products are purchased by the amount of each i financial products using the cryptocurrency. It can be processed to be output through the program of 180. On the other hand, after error information including not being authenticated is output that the user's electronic wallet has a certain percentage or more of the cryptocurrency for purchase through the program of the user terminal 180, the user Through the terminal 180 or a separate terminal, a procedure for depositing cryptocurrencies of a certain ratio or more of the purchase cryptocurrency unit in the user's electronic wallet can be performed, and the authentication processing unit 155 is then transferred to the user's electronic wallet. Re-performing a procedure for certifying that a certain percentage of the cryptocurrency units of the cryptocurrency unit for purchase are held, and/or the output processing unit 140 is the N financial products that have been recently checked through the information verification unit 130 Of the N cryptocurrency-based purchase price information for each of the N financial products that were recently generated through the information generator 135 using the purchase price information based on the N real currency and the selling price information based on the real currency of the designated cryptocurrency A series of procedures for processing to output transaction-related information including n cryptocurrency-based purchase price information and n financial product information for each financial product through the program of the user terminal 180 may be performed again. On the other hand, the error information includes error information indicating that a certain percentage of the real currency unit for purchase is not deposited in the operating account provided on the securities company server 185 side (e.g., temporary increase in the purchase amount of financial products, etc.) ) And/or the operating account of the operating company provided on the exchange server 190 side contains error information indicating that a certain percentage of the cryptocurrency for purchase is not deposited (e.g., temporary cryptocurrency If not), the authentication processing unit 155 notifies the error information to the designated operation terminal to take measures to additionally deposit the real currency of the unit of real currency specified in the operating account and/or the operating account. A measure may be taken to additionally deposit a cryptocurrency in a cryptocurrency unit specified in, and the result information of the measure may be provided as a program of the user terminal 180 according to an implementation method. Thereafter, after the above, the authentication processing unit 155 authenticates whether or not more than a certain ratio of the real money unit for purchase is deposited in the operating account and/or the operation account contains a certain ratio or more of the real money unit for purchase. Re-performing the procedure of verifying whether the cryptocurrency has been deposited, and/or the output processing unit 140 includes N real currency-based purchase price information for each of the N financial products recently checked through the information verification unit 130 and specified The purchase price based on n cryptocurrencies for each n financial products out of the N cryptocurrency-based purchase price information for each of the N cryptocurrency-based purchase prices for each of the N financial products that were recently generated through the information generator 135 using the selling price information based on the real currency of the cryptocurrency. A series of procedures for processing to output information and transaction related information including n financial product information through a program of the user terminal 180 may be performed again.

If it is authenticated through the authentication processing unit 155 that the cryptocurrency related to the cryptocurrency-related user electronic wallet has a certain ratio or more of the cryptocurrency unit for purchase, the operating account provided on the securities company server 185 side In order to purchase the i financial products as much as the purchase amount for each of the i financial products, it is authenticated that a certain ratio or more of real money is deposited, and the name of the operator provided on the exchange server 190 side When it is authenticated that a certain percentage or more of the cryptocurrency for purchase is deposited in the operating account (however, some may be omitted in case of pre-authentication), the transaction processing unit 160 and the securities company server 185 The exchange server is linked with the exchange server 190 to perform a financial product trading procedure in which the i financial products are purchased as much as the purchase amount for each of the i financial products through the real money deposited in the operating account in connection. Cryptocurrency that sells cryptocurrencies including cryptocurrency units for purchase to purchase the i financial products as much as the purchase amount for each of the i financial products among the cryptocurrencies deposited in the operating account under the name of the operating company (190) Perform multiple currency trading procedures and transfer the cryptocurrency corresponding to the cryptocurrency unit for purchase among the cryptocurrencies held in the user's electronic wallet related to the cryptocurrency to the designated operator's electronic wallet according to the blockchain-based cryptocurrency transaction procedure. Perform multiple cryptocurrency transfer procedures.

According to the multi-transaction embodiment of the present invention, it is preferable that the transaction processing unit 160 multi-initiate the financial product trading procedure and the cryptocurrency trading procedure within an allowed time range (for example, within 100 ms). It is preferable to initiate multiple times of the cryptocurrency transfer procedure with the financial product trading procedure and/or the cryptocurrency trading procedure within a time span.

According to the financial product trading procedure embodiment of the present invention, the transaction processing unit 160 includes real money (e.g., a station signed with a user) deposited in an operating account for a financial product transaction under the name of an operating company provided on the stock company server 185 side. Method A cryptocurrency unit for purchase to purchase the i financial products of the i financial products of the i financial products (such as real money deposited in the operating account by the operator) to support the user's trading of financial products based on the order agent contract Requesting the purchase by providing financial product transaction information for requesting the purchase of the i financial products as much as the purchase amount for each of the i financial products by using the real money corresponding to the real currency unit for purchase corresponding to the securities company server 185 Carry out the procedure for buying and selling financial products.

According to the implementation method of the present invention, the real currency unit for purchase is based on the N real currency purchase price information for each of the latest N financial products identified through the information verification unit 130 (e.g., N Real-time purchase price information that can be purchased in real time without delay, or price information corresponding to the selling price of N financial products), the real thing calculated/confirmed in order to purchase the i financial products as much as the quantity of each i financial product Since it is a currency unit, the financial product trading procedure can be initiated by providing the financial product transaction information to the securities company server 185 and processed in real time without a time delay.

Meanwhile, according to the first exception handling embodiment of the present invention, after the information verification unit 130 confirms the purchase price information based on the N real money for each N financial products (or N After the purchase real currency unit for purchasing the i financial products as much as the purchase amount for each of the i financial products is identified based on the purchase price information based on real money), the brokerage server 185 through the transaction processing unit 160 ) Of the N real currency-based purchase price information for each of the N financial products through the brokerage company server 185 within a specified time interval in which the financial product transaction information is provided to start the financial product trading procedure. In the case of an exceptional situation in which the financial product trading procedure is not processed in real time because the real currency-based purchase price information for at least one financial product included in the i real currency-based purchase price information for each financial product is changed (for example, the above If the transaction of buying the i financial products by the amount of each i financial product by using the real currency corresponding to the real currency unit for purchase through the securities company server 185 fails, etc.), if the financial product trading procedure and If the cryptocurrency trading procedure and the cryptocurrency transfer procedure that are to be multiplexed together are not initiated, the transaction processing unit 160 performs an exception processing procedure to emergencyly stop the start of the cryptocurrency trading procedure and the cryptocurrency transfer procedure. I can. On the other hand, when at least one of the cryptocurrency trading procedure and the cryptocurrency transfer procedure has already been initiated at a time when the financial product trading procedure is not processed, the transaction processing unit 160 may perform the cryptocurrency trading procedure and the cryptocurrency transfer procedure. It is possible to perform an exception handling procedure including a cancellation procedure for a procedure that has already been initiated at the same time as an emergency stop of a procedure that has not been initiated. If, despite the cancellation procedure, an already initiated procedure among the cryptocurrency trading procedure and the cryptocurrency transfer procedure is completed in real time, the transaction processing unit 160 performs a counter transaction procedure to return the completed procedure to the original Alternatively, a procedure for balancing the processed procedure through another user's procedure performed later in the same flow (e.g., if the transfer of 10 units has already been completed, the current 10 units without performing the transfer of 10 units of another user performed in the same flow afterwards) Exception handling procedures including a procedure of balancing the transfer to 10 units of another user that is performed later, but offsetting the previous 10 units) can be performed.

According to the embodiment of the cryptocurrency trading procedure of the present invention, the transaction processing unit 160 includes a cryptocurrency deposited in an operating account under the name of an operating company provided on the exchange server 190 side (for example, a reverse order agent contract signed with a user). In order to support the user's trading of financial products using cryptocurrency, requesting to sell the cryptocurrency including the cryptocurrency unit for purchase among cryptocurrencies deposited by the operator in the operator's electronic wallet corresponding to the operating account. Cryptocurrency transaction information is provided to the exchange server 190 to perform a cryptocurrency trading procedure for requesting sale.

According to the implementation method of the present invention, the buying cryptocurrency unit is the real money-based selling price information of the latest designated cryptocurrency through the information verification unit 130 (e.g., in conjunction with the exchange server 190) The i financial products are selected for each of the i financial products based on real-time selling price information that enables real-time selling of the specified cryptocurrency units of the designated cryptocurrency through real-time sale price information, or price information corresponding to the purchase side of the designated cryptocurrency Since it is a unit of cryptocurrency calculated/confirmed to purchase as much as the amount of purchase, the cryptocurrency trading procedure can be initiated by providing the cryptocurrency transaction information to the exchange server 190 and processed in real time without time delay.

Meanwhile, according to the second exception handling embodiment of the present invention, after the latest real money-based selling price information for the specified cryptocurrency is confirmed through the information verification unit 130 (or the real money-based selling price information of the cryptocurrency). The cryptocurrency transaction to the exchange server 190 through the transaction processing unit 160 after the purchase cryptocurrency unit for purchasing the i financial products as much as the purchase amount for each i financial product is confirmed) The cryptocurrency trading procedure is not processed in real time because the real currency-based selling price information of the cryptocurrency is changed through the exchange server 190 within a specified time interval in which the process of providing information and initiating the cryptocurrency trading procedure is performed. In the event of an exceptional situation (e.g., failure to sell the cryptocurrency unit for purchase through the exchange server 190, etc.), the financial product trading procedure to be multi-processed with the cryptocurrency trading procedure And before the cryptocurrency transfer procedure is started, the transaction processing unit 160 may perform an exception processing procedure for urgently stopping the start of the financial product trading procedure and the cryptocurrency transfer procedure. On the other hand, when at least one of the financial product trading procedure and the cryptocurrency transfer procedure has already been started at a time when the cryptocurrency trading procedure is not processed, the transaction processing unit 160 is It is possible to perform an exception handling procedure including a cancellation procedure for a procedure that has already been initiated at the same time as an emergency stop of a procedure that has not been initiated. If, despite the cancellation procedure, an already initiated procedure among the financial product trading procedure and the cryptocurrency transfer procedure is completed in real time, the transaction processing unit 160 performs a counter transaction procedure to return the completed procedure to the original. Alternatively, a procedure for balancing the processed procedure through another user's procedure performed later in the same flow (e.g., if the transfer of 10 units has already been completed, the current 10 units without performing the transfer of 10 units of another user performed in the same flow afterwards) Exception handling procedures including a procedure of balancing the transfer to 10 units of another user that is performed later, but offsetting the previous 10 units) can be performed.

According to an embodiment of the cryptocurrency transfer procedure of the present invention, the transaction processing unit 160 includes a user electronic wallet provided on a blockchain related to the cryptocurrency or a user corresponding to a user account provided on the exchange server 190 side. Among the cryptocurrencies held in at least one user electronic wallet among the electronic wallets, the cryptocurrency corresponding to the cryptocurrency unit for purchase is transferred to the operator electronic wallet corresponding to the operating account or the operator electronic provided on the blockchain related to the cryptocurrency. You can perform the process of transferring to your wallet.

According to the first cryptocurrency transfer embodiment of the present invention, the transaction processing unit 160 includes a cryptocurrency corresponding to the cryptocurrency unit for purchase among cryptocurrencies held in a user's electronic wallet provided on a blockchain related to the cryptocurrency. It is possible to perform a cryptocurrency transfer procedure in which money is transferred to an operator's electronic wallet corresponding to the operating account.

According to the second cryptocurrency transfer embodiment of the present invention, the transaction processing unit 160 is a cryptocurrency unit for purchase among cryptocurrencies held in a user electronic wallet corresponding to a user account provided on the exchange server 190 side. It is possible to perform a cryptocurrency transfer procedure of transferring the cryptocurrency corresponding to the operating account to the operator's electronic wallet corresponding to the operating account.

According to the third cryptocurrency transfer embodiment of the present invention, the transaction processing unit 160 includes a cryptocurrency corresponding to the cryptocurrency unit for purchase among cryptocurrencies held in the user's electronic wallet provided on the blockchain related to the cryptocurrency. It is possible to perform a cryptocurrency transfer procedure in which money is transferred to an operator's electronic wallet provided on the blockchain related to the cryptocurrency.

According to the fourth cryptocurrency transfer embodiment of the present invention, the transaction processing unit 160 is a cryptocurrency unit for purchase among cryptocurrencies held in a user electronic wallet corresponding to a user account provided on the exchange server 190 side. It is possible to perform a cryptocurrency transfer procedure of transferring the cryptocurrency corresponding to the cryptocurrency to the operator's electronic wallet provided on the blockchain related to the cryptocurrency.

According to the implementation method of the present invention, the cryptocurrency transfer procedure may cause a time delay due to the nature of the block chain, unlike the financial product trading procedure or the cryptocurrency trading procedure, but the user's electronic wallet When a procedure for transferring the purchase cryptocurrency unit to a designated operator's electronic wallet is started while the cryptocurrency unit is deposited, the procedure is always processed without exceptions.

According to the implementation method of the present invention, the transaction processing unit 160 provides a user electronic wallet designated through the embodiment of transferring at least one (or at least a partial combination of two or more) of the first to fourth cryptocurrency transfer embodiments. Cryptocurrency transaction details corresponding to the cryptocurrency transfer procedure during (or after) performing the cryptocurrency transfer procedure in which the cryptocurrency corresponding to the cryptocurrency unit for purchase is transferred to the designated operator's electronic wallet among the held cryptocurrencies Information can be saved in a designated storage medium. Here, the storage medium may include at least one of an operation DB associated with the operation server 100, a block chain related to the cryptocurrency, and a separate block chain that manages cryptocurrency transaction details using the cryptocurrency. .

Referring to Fig. 1, the operation server 100 checks whether the i financial products are purchased by the amount of each i financial product through the operating account in connection with the securities company server 185, and at the same time, the exchange A transaction confirmation unit 165 for checking whether the cryptocurrency unit for purchase is sold through the operating account in connection with the server 190, and the i financial products through the securities company server 185 When the purchase amount of each financial product is purchased and the cryptocurrency of the cryptocurrency unit for purchase is sold through the exchange server 190, the transaction completion information obtained by purchasing the i financial products using the cryptocurrency is transmitted to the user terminal. A transaction completion unit 170 provided as a program of 180 is provided, and the transaction confirmation unit 165 is a designated operator of the cryptocurrency corresponding to the cryptocurrency unit for purchase among cryptocurrencies held in the designated user electronic wallet. You can perform more procedures to check if it is transferred to an electronic wallet.

When the financial product trading procedure is initiated through the transaction processing unit 160, the transaction confirmation unit 165 interlocks with the securities company server 185 to obtain the i financial products for each i financial product through the operating account. It is possible to check whether the amount is purchased and deposited through the operating account according to the designated procedure.

On the other hand, when the cryptocurrency trading procedure is initiated through the transaction processing unit 160, the transaction confirmation unit 165 interlocks with the exchange server 190 to obtain the cryptocurrency value of the cryptocurrency unit for purchase through the operating account. It is possible to check whether the selling amount corresponding to the real currency unit for purchase is deposited in a designated account corresponding to the operating account.

On the other hand, when the cryptocurrency transfer procedure is initiated through the transaction processing unit 160, the transaction confirmation unit 165 is used to select the cryptocurrency unit for purchase among cryptocurrencies held in the user's electronic wallet designated according to the cryptocurrency transfer procedure. You can check whether the corresponding cryptocurrency is transferred to the designated operator's electronic wallet. On the other hand, since the cryptocurrency transfer process is always processed even if a predetermined time delay occurs when it is normally started, it is safe to skip it without performing a separate verification process.

The i financial products are purchased through the securities company server 185 by the amount of each i financial product, and at the same time, it is confirmed that the cryptocurrency unit for purchase is sold through the exchange server 190, and the designated user electronic wallet When it is confirmed that the cryptocurrency corresponding to the cryptocurrency unit for purchase is transferred to the designated operator's electronic wallet among the cryptocurrencies held in the cryptocurrency, the transaction completion unit 170 performs the purchase of the cryptocurrencies deposited in the designated user's electronic wallet. By using the cryptocurrency corresponding to the cryptocurrency unit for use, the transaction completion information including the result of the purchase of i financial products sold through the securities company server 185 is configured to be provided as a program of the user terminal 180. I can.

Meanwhile, according to the implementation method of the present invention, the transaction completion unit 170 generates transaction detail information including detailed details of purchases of the i financial products using the cryptocurrency, and stores and manages it in a designated storage medium. I can. Here, the storage medium may include at least one of an operation DB associated with the operation server 100, a block chain related to the cryptocurrency, and a separate block chain for managing financial product transaction details using the cryptocurrency. .

Referring to Figure 1, the operation server 100, in conjunction with the securities company server 185, which provides financial product transactions in the real world, N financial products corresponding to the designated N (N≥1) financial product information An information verification unit 130 that checks the selling price information based on N real currencies, and checks the real currency-based purchase price information of the specified cryptocurrency by interlocking with the exchange server 190 that provides cryptocurrency transactions in the blockchain world. , N real currency-based selling price information for each N (N≥1) financial products checked in connection with the securities company server 185 and real currency-based purchase of a designated cryptocurrency verified in connection with the exchange server 190 The reverse method through the program of the information generation unit 135 for generating N cryptocurrency-based selling price information for each N financial products using price information, and the user terminal 180 for which the contract of the reverse method order agent has been signed. An output processing unit that processes to output transaction-related information including h (1≤h⊂N) financial product information held by the user and h cryptocurrency-based selling price information for h financial products based on the order agent contract ( 140).

After the reverse order agent contract is concluded between the user and the operator through the contract processing unit 110, the information verification unit 130 is the securities company server 185 for the cryptocurrency-based financial product transaction according to the present invention. In conjunction with, the selling price information based on N real currencies for each of N financial products corresponding to the specified N (N≥1) financial product information is checked.

According to an implementation method of the present invention, N real-time selling price information based on N real currencies for each N financial products is linked with the securities company server 185 to sell N financial products in real time without time delay. It is desirable to include selling price information. In general, in HTS, the selling price refers to the asking price on the selling side. This is a price that can be sold only when it matches the asking price on the buy side, and is not a price that can be sold in real time without delay from the seller's point of view. Accordingly, it is preferable that the N real currency-based selling price information for each of the N financial products does not refer to a normal selling-side asking price, but include a buying-side asking price that can be sold in real time without delay from the seller's point of view.

On the other hand, after the reverse order agent contract is signed between the user and the operator through the contract processing unit 110, the information verification unit 130 is the exchange server 190 for the cryptocurrency-based financial product transaction according to the present invention. ) And check the purchase price information based on the real currency of the designated cryptocurrency.

According to the implementation method of the present invention, the purchase price information based on the real currency of the cryptocurrency is a real-time purchase price that enables real-time purchase of a designated cryptocurrency unit of the cryptocurrency designated through the real money in connection with the exchange server 190 It is desirable to include information. In general, in cryptocurrency exchanges, the purchase price refers to the buy-side ask price, which is a price that can be bought only when it matches the seller's asking price, and is not a price that can be bought in real time without delay from the buyer's point of view. Accordingly, it is preferable that the real money-based purchase price information of the cryptocurrency does not refer to a normal purchase-side asking price, but include a sell-side asking price that can be purchased in real time without a time delay from the buyer's point of view.

When the information confirmation unit 130 confirms the selling price information based on N real currency for each N financial products in the real world, and the purchase price information based on real currency of the designated cryptocurrency in the blockchain world is confirmed, the information is generated The unit 135 includes information on selling prices based on N real currencies for each of N (N≥1) financial products verified in connection with the securities company server 185 and a designated cryptocurrency verified in connection with the exchange server 190. Using real money-based purchase price information, N cryptocurrency-based selling price information for each N financial product is generated.

According to the implementation method of the present invention, the N number of cryptocurrency-based selling price information for each of the N financial products includes N real currency-based selling price information for each of N financial products identified in connection with the securities company server 185 and the exchange. As price information generated by matching the real currency-based purchase price information of the designated cryptocurrency checked in connection with the server 190, the securities company server 185 is linked with the real-time purchase of the designated cryptocurrency through the exchange server 190. It is desirable to include N real-time selling price information that enables real-time selling of N financial products through ).

When the N cryptocurrency-based selling price information for each of the N financial products is generated through the information generation unit 135, the output processing unit 140 uses h(1) held by the user based on the reverse order agent contract. A user who composes transaction-related information including information on ≦h⊂N) financial products and h pieces of cryptocurrency-based selling price information for each of h financial products, and has signed a reverse order agent contract through the contract processing unit 110 A procedure of processing to output the transaction related information through the program of the terminal 180 is performed.

According to the implementation method of the present invention, when the configuration of the output processing unit 140 is implemented on the operation server 100 side, the output processing unit 140 includes the h financial product information and h encryptions for each h financial product. It is possible to configure transaction-related information including currency-based selling price information, and provide the transaction-related information to the program of the user terminal 180 for which the reverse order agent contract is signed, and the program of the user terminal 180 May receive and output the transaction related information. Meanwhile, when the configuration of the output processing unit 140 is implemented through a program of the user terminal 180, the output processing unit 140 includes the h financial product information and h cryptocurrency-based selling price information for each h financial product. You can configure and output transaction-related information including.

According to the implementation method of the present invention, the output processing unit 140 includes the h financial product information and h cryptocurrency-based selling price information for each h financial product through the program of the user terminal 180. After processing to output the information, the information verification unit 130 periodically performs a procedure for confirming the selling price information based on N real currencies for each N financial products and the purchase price information based on the real currency of the designated cryptocurrency. (Or repetitively), and the information generating unit 135 uses the N real currency-based selling price information for each of the identified N financial products and the real currency-based purchase price information of the identified specified cryptocurrency. A procedure for generating N cryptocurrency-based selling price information for each financial product is periodically (or repetitively) performed, and the output processing unit 140 includes h financial product information and h information through the program of the user terminal 180. Periodically (or repetitively) a procedure to output transaction-related information including information on selling price based on h cryptocurrencies for each financial product is performed.

According to the implementation method of the present invention, the program of the user terminal 180 periodically (or repetitively) periodically (or repetitively) provides the h financial product information and h cryptocurrency-based selling price information for each h financial product. J(1) to sell based on the reverse order agent contract among the h financial products based on the latest h cryptocurrency-based selling price information for h financial products by user manipulation (or instruction) during the update output It is possible to perform a procedure of configuring transaction request information including ≤j≤h) information on financial products and information on the sales amount of each financial product.

Referring to Figure 1, the operation server 100, through the program of the user terminal 180, j (1≤j≤h) of the h financial products to be sold based on the reverse order agent contract Provides a transaction request confirmation unit 145 that checks transaction request information including financial product information and sales amount information for each j financial products, and a password to be obtained when selling the j financial products as much as the selling amount of each financial product It is provided with a unit confirmation unit 150 to check the currency unit.

After the transaction-related information including the h financial product information and h cryptocurrency-based selling price information for h financial products is output through the program of the user terminal 180, the transaction request confirmation unit 145 A transaction including information on j pieces of financial products to be sold based on the reverse order agent contract among the h financial products through the program of the user terminal 180 outputting the transaction-related information and information on the amount of sales for each of j Check the requested information.

According to the implementation method of the present invention, the program of the user terminal 180 includes j financial product information and j financial products to be sold based on the reverse order agent contract among the h financial products output according to user manipulation The transaction request information including separate sale amount information is configured and transmitted, and the transaction request confirmation unit 145 may receive the transaction request information from a program of the user terminal 180.

On the other hand, when transaction request information including information on j pieces of financial products to be sold and information on sales amounts for each of j pieces of financial products is confirmed through the transaction request confirmation unit 145 based on the reverse order agent contract, the unit confirmation unit (150) refers to the latest real money-based selling price information for each financial product and the real thing of the designated cryptocurrency confirmed through the information verification unit 130 (or provided as a program of the user terminal 180 through the transaction related information). Using the currency-based purchase price information, a cryptocurrency unit (eg, cryptocurrency-based quantity such as ETH) to be obtained when purchasing the j financial products as much as the selling amount of the j financial products is identified. Meanwhile, the unit verification unit 150 may check a real currency unit (eg, a real currency-based amount such as KRW, etc.) to be obtained when purchasing the j financial products as much as the selling amount of the j financial products.

According to the first cryptocurrency unit verification embodiment of the present invention, the unit verification unit 150 is based on j real currencies for each of j financial products for the j financial products identified through the information verification unit 130 Based on the selling price information and the purchase price information based on the real currency of the cryptocurrency, a cryptocurrency unit to be obtained when purchasing j financial products corresponding to the transaction request information by the amount of selling each of the j financial products may be calculated.

According to the second cryptocurrency unit verification embodiment of the present invention, the transaction request information may further include cryptocurrency units to be obtained for each j financial products when the j financial products are sold by the amount of each j In this case, the unit checking unit 150 may check the cryptocurrency unit to be obtained by summing the cryptocurrency units to be obtained for each of the j financial products included in the transaction request information.

According to a third cryptocurrency unit verification embodiment of the present invention, the transaction request information may further include a cryptocurrency unit to be obtained when purchasing the j financial products as much as the selling amount of each of the j financial products. In this case, the The unit check unit 150 may check the to-be-obtained cryptocurrency unit included in the transaction request information.

According to the implementation method of the present invention, the unit verification unit 150 is based on the selling price information based on j real currency for each j financial products for the j financial products checked through the information verification unit 130. It is possible to check the real currency units to be obtained when the j financial products are sold by the amount of each j financial products. Meanwhile, the unit verification unit 150 corresponds to the cryptocurrency unit to be obtained, which is identified through at least one of the first to third cryptocurrency unit verification embodiments based on the real money-based purchase price information of the cryptocurrency. You can also check the real currency units to be obtained.

Referring to Fig. 1, the operation server 100 interlocks with the securities company server 185 to sell the j financial products held by the user by the amount sold for each of the j financial products based on the reverse order agent contract. At the same time as performing the financial product trading procedure to be processed, the j financial products are sold for each of the j financial products through an operating account in the name of the operator provided in the exchange server 190 in connection with the exchange server 190 A transaction processing unit 160 that performs a cryptocurrency trading procedure for purchasing and processing cryptocurrency including cryptocurrency units to be obtained when selling is provided, and the transaction processing unit 160 stores the j financial products with the j financial instruments. A cryptocurrency transfer procedure can be further performed in which the cryptocurrency corresponding to the cryptocurrency unit to be obtained at the time of sale is transferred from the designated operator's electronic wallet to the designated user's electronic wallet.

When a cryptocurrency unit to be obtained when purchasing the j financial products as much as the selling amount of the j financial products through the unit verification unit 150 is identified, the transaction processing unit 160 interlocks with the securities company server 185 Based on the reverse order agent contract, the exchange server performs a financial product trading procedure that sells j financial products held by the user by the amount sold for each of the j financial products, and at the same time interlocks with the exchange server 190 Cryptocurrency that purchases and processes cryptocurrencies including cryptocurrency units to be obtained when purchasing the j financial products as much as the selling amount for each of the j financial products among cryptocurrencies deposited in the operating account under the name of the operating company (190) Perform multiple trading procedures.

According to the multi-transaction embodiment of the present invention, it is preferable that the transaction processing unit 160 multiple initiate the financial product trading procedure and the cryptocurrency trading procedure within an allowed time range (eg, within 100 ms).

Meanwhile, according to the implementation method of the present invention, the transaction processing unit 160 selects a cryptocurrency corresponding to the cryptocurrency unit to be obtained among cryptocurrencies held in an operator electronic wallet designated according to a blockchain-based cryptocurrency transaction procedure. You can perform multiple cryptocurrency transfer procedures to transfer to your wallet. Here, the operator's electronic wallet may include at least one of an electronic wallet provided on the blockchain related to the cryptocurrency, and an electronic wallet corresponding to the operator's operating account provided on the exchange server 190 side. In addition, the user electronic wallet may include at least one of an electronic wallet provided on a block chain related to the cryptocurrency and an electronic wallet corresponding to a user account provided on the exchange server 190 side.

According to an embodiment of the financial product trading procedure of the present invention, the transaction processing unit 160 requests to sell j financial products held by the user by the amount of each j financial product based on the reverse order agent contract. The transaction information is provided to the securities company server 185 to perform a financial product trading procedure requesting a sale.

According to the implementation method of the present invention, the financial product trading procedure may be initiated by providing the financial product transaction information to the securities company server 185 and processed in real time without a time delay.

Meanwhile, according to the first exception handling embodiment of the present invention, after confirming the selling price information based on the N real currency for each of the latest N financial products through the information checking unit 130, the transaction processing unit 160 Selling based on N real currencies for each of the N financial products through the securities company server 185 within a specified time interval in which the process of initiating the financial product trading procedure by providing the financial product transaction information to the securities company server 185 is performed In the case of an exception in which the financial product trading procedure is not processed in real time because the real currency-based selling price information for at least one financial product included in the selling price information based on j real currency for each j financial product among price information is changed (For example, when the transaction of selling the j financial products as much as the j financial products sold through the securities company server 185 fails, etc.), the cryptocurrency trading procedure to be multi-processed with the financial product trading procedure If is before the start, the transaction processing unit 160 may perform an exception processing procedure for emergency stop the start of the cryptocurrency trading procedure. Meanwhile, when the cryptocurrency trading procedure has already been started at a time when the financial product trading procedure has not been processed, the transaction processing unit 160 emergency stops the cryptocurrency trading procedure and includes a cancellation procedure for the already initiated procedure. Exception handling procedures can be performed. If the cryptocurrency trading procedure is completed in real time despite the cancellation procedure, the transaction processing unit 160 performs an opposite transaction procedure for returning the completed procedure to the original or another user who is subsequently performed in the same flow. A procedure for balancing the processed procedure through the procedure of (e.g., if the previous 10 units have already been completed, the 10 units of other users that are executed after the current 10 units are not performed after 10 units of the other user, which is performed in the same flow, Exception handling procedures can be performed, including the procedure of balancing to the previous unit but offsetting the previous 10 units).

According to the embodiment of the cryptocurrency trading procedure of the present invention, the transaction processing unit 160 includes a cryptocurrency deposited in an operating account under the name of an operating company provided on the exchange server 190 side (for example, a reverse order agent contract signed with a user). In order to support the user's trading of financial products using cryptocurrency, requesting the purchase of cryptocurrencies including the cryptocurrency units to be obtained among cryptocurrencies deposited by the operator in the operator's electronic wallet corresponding to the operating account. Cryptocurrency transaction information is provided to the exchange server 190 to perform a cryptocurrency trading procedure for requesting purchase.

According to the implementation method of the present invention, the cryptocurrency unit to be obtained is real money-based purchase price information of the latest designated cryptocurrency through the information verification unit 130 (e.g., in connection with the exchange server 190) Based on real-time purchase price information that enables real-time purchase of the designated cryptocurrency unit of the designated cryptocurrency without time delay, or price information corresponding to the selling side of the designated cryptocurrency), the j financial products are selected for each of the j financial products. Since it is a cryptocurrency unit to be obtained when selling as much as the amount of sale, the cryptocurrency trading procedure can be started by providing the cryptocurrency transaction information to the exchange server 190 and processed in real time without a time delay.

Meanwhile, according to the second exception handling embodiment of the present invention, after the latest real currency-based purchase price information for the specified cryptocurrency is checked through the information checking unit 130, the exchange server is used through the transaction processing unit 160. The purchase price information based on the real currency of the cryptocurrency is changed through the exchange server 190 within a specified time interval during which the cryptocurrency transaction information is provided to 190 to initiate the cryptocurrency trading procedure. When an exception occurs in which the cryptocurrency trading procedure is not processed in real time (e.g., failure to purchase the cryptocurrency unit of the cryptocurrency unit to be obtained through the exchange server 190, etc.), If it is before the financial product trading procedure to be processed is started, the transaction processing unit 160 may perform an exception processing procedure for urgently stopping the start of the financial product trading procedure. On the other hand, if the financial product trading procedure has already been started when the cryptocurrency trading procedure is not processed, the transaction processing unit 160 stops the financial product trading procedure at the same time and includes a cancellation procedure for the already started procedure. Exception handling procedures can be performed. If the financial product trading procedure is completed in real time despite the cancellation procedure, the transaction processing unit 160 performs an opposite transaction procedure to return the completed procedure to the original or another user who is subsequently executed in the same flow. A procedure for balancing the processed procedure through the procedure of (e.g., if the previous 10 units have already been completed, the 10 units of other users that are executed after the current 10 units are not performed after 10 units of the other user, which is performed in the same flow, Exception handling procedures can be performed, including the procedure of balancing to the previous unit but offsetting the previous 10 units).

According to an embodiment of the cryptocurrency transfer procedure of the present invention, the transaction processing unit 160 includes at least one of an operator's electronic wallet corresponding to the operating account or an operator's electronic wallet provided on the blockchain related to the cryptocurrency. Among the cryptocurrencies held in the user electronic wallet provided on the block chain related to the cryptocurrency or the user electronic corresponding to the user account provided on the exchange server 190 side, the cryptocurrency corresponding to the cryptocurrency unit to be obtained At least one of the wallets can be transferred to the user's electronic wallet.

According to the first cryptocurrency transfer embodiment of the present invention, the transaction processing unit 160 converts the cryptocurrency corresponding to the cryptocurrency unit to be obtained among cryptocurrencies held in the operator's electronic wallet corresponding to the operating account. You can perform the cryptocurrency transfer procedure to transfer to the user's electronic wallet provided on the blockchain related to

According to the second cryptocurrency transfer embodiment of the present invention, the transaction processing unit 160 stores a cryptocurrency corresponding to the cryptocurrency unit to be obtained among cryptocurrencies held in an operator's electronic wallet corresponding to the operating account to the exchange server. It is possible to perform a cryptocurrency transfer procedure for transferring to a user electronic wallet corresponding to the user account provided at 190.

According to the third cryptocurrency transfer embodiment of the present invention, the transaction processing unit 160 includes a cryptocurrency corresponding to the cryptocurrency unit to be obtained among cryptocurrencies held in an operator's electronic wallet provided on a blockchain related to the cryptocurrency. It is possible to perform a cryptocurrency transfer procedure in which money is transferred to the user's electronic wallet provided on the blockchain related to the cryptocurrency.

According to a fourth cryptocurrency transfer embodiment of the present invention, the transaction processing unit 160 includes a cryptocurrency corresponding to the cryptocurrency unit to be obtained among cryptocurrencies held in an operator's electronic wallet provided on a blockchain related to the cryptocurrency. It is possible to perform a cryptocurrency transfer procedure of transferring money to a user electronic wallet corresponding to a user account provided on the exchange server 190 side.

According to the implementation method of the present invention, the cryptocurrency transfer procedure may cause a time delay due to the nature of the blockchain, unlike the financial product trading procedure or the cryptocurrency trading procedure, but once initiated, it must be processed without exceptions. have.

According to the implementation method of the present invention, the transaction processing unit 160 is used in the electronic wallet of the operator designated through the transfer embodiment of at least one (or at least a partial combination of two or more) of the first to fourth cryptocurrency transfer embodiments. Cryptocurrency transaction details corresponding to the cryptocurrency transfer procedure during (or after) performing the cryptocurrency transfer procedure of transferring the cryptocurrency corresponding to the cryptocurrency unit to be obtained among the held cryptocurrency to the designated user's electronic wallet Information can be stored in a designated storage medium. Here, the storage medium may include at least one of an operation DB associated with the operation server 100, a block chain related to the cryptocurrency, and a separate block chain that manages cryptocurrency transaction details using the cryptocurrency. .

Referring to Fig. 1, the operation server 100 checks whether the j financial products are sold by the amount sold for each of the j financial products by interlocking with the securities company server 185, and at the same time, the exchange server 190 and A transaction confirmation unit 165 that checks whether the cryptocurrency unit of the cryptocurrency unit to be obtained is purchased through the operating account, and the j financial products through the securities company server 185 are When the cryptocurrency of the cryptocurrency unit to be obtained is purchased through the exchange server 190, the transaction completion information of selling the j financial products using the cryptocurrency is stored in the program of the user terminal 180. A transaction completion unit 170 is provided, and the transaction confirmation unit 165 is configured to determine whether the cryptocurrency corresponding to the to-be-obtained cryptocurrency unit among cryptocurrencies held in the designated operator's electronic wallet is transferred to the designated user electronic wallet. Further verification procedures can be performed.

When the financial product trading procedure is initiated through the transaction processing unit 160, the transaction confirmation unit 165 checks whether the j financial products are sold by the amount sold for each of the j financial products in connection with the securities company server 185. I can.

Meanwhile, when the cryptocurrency trading procedure is initiated through the transaction processing unit 160, the transaction confirmation unit 165 interlocks with the exchange server 190 to obtain the cryptocurrency value of the cryptocurrency unit to be obtained through the operating account. You can check if it is bought.

On the other hand, when the cryptocurrency transfer procedure is initiated through the transaction processing unit 160, the transaction confirmation unit 165 is used in the cryptocurrency unit to be acquired among cryptocurrencies held in the operator's electronic wallet designated according to the cryptocurrency transfer procedure. You can check whether the corresponding cryptocurrency is transferred to the designated user's electronic wallet. On the other hand, since the cryptocurrency transfer process is always processed even if a predetermined time delay occurs when it is normally started, it is safe to skip it without performing a separate verification process.

It is confirmed that the j financial products are sold through the securities company server 185 by the amount sold by j financial products, and the cryptocurrency of the cryptocurrency unit to be obtained is purchased through the exchange server 190, and the designated operator electronic When it is confirmed that among the cryptocurrencies held in the wallet, the cryptocurrency corresponding to the cryptocurrency unit to be obtained is transferred to the designated user's electronic wallet, the transaction completion unit 170 is sold and sold through the securities company server 185. The transaction completion information including the result of selling two financial products may be configured and provided as a program of the user terminal 180.

Meanwhile, according to the implementation method of the present invention, the transaction completion unit 170 may generate transaction details information including detailed details of selling the j financial products, and store and manage them in a designated storage medium. Here, the storage medium may include at least one of an operation DB associated with the operation server 100, a block chain related to the cryptocurrency, and a separate block chain for managing financial product transaction details using the cryptocurrency. .

Referring to Fig. 1, the operation server 100 performs a loan repayment procedure for repaying the cryptocurrency of the designated R cryptocurrency unit among cryptocurrencies held by the user to the electronic wallet of the designated lender according to the cryptocurrency collateral loan contract. It is provided with a repayment processing unit 175 to perform.

When a standard cryptocurrency unit to execute counter trading for compulsory repayment of the loaned cryptocurrency before the expiration of the loan period specified in the cryptocurrency collateral loan contract concluded between the user and the lender is included, the repayment processing unit 175 The financial product trading procedure and the exchange server 190 performed through the securities company server 185 based on the user-owned cryptocurrency including the cryptocurrency loaned to the B cryptocurrency unit, based on the reverse order agent contract The cryptocurrency trading procedure performed through is linked to check k (1 ≤ k⊂N) financial products owned by the user. Preferably, the k financial products held by the user are at least one of a financial product trading procedure including the purchase of a financial product and a financial product trading procedure including the sale of financial products based on the reverse order agent contract. The financial products held by the user may be included by linking with the cryptocurrency trading procedure.

When the user has k financial products, the redemption processing unit 175 performs a procedure for periodically checking information on changes in financial product market prices for the k financial products through the securities company server 185, and the confirmation Based on the latest financial product market price fluctuation information, an estimate of recoverable cryptocurrency units through counter trading of the k financial products is calculated. Preferably, the redemption processing unit 175 performs a financial product trading procedure for counter trading of the k financial products through the securities company server 185 based on the confirmed financial product price change information, and at the same time, the An estimated value of recoverable cryptocurrency units may be calculated by performing a cryptocurrency trading procedure for recovering cryptocurrencies corresponding to the counter trading through the exchange server 190.

According to the implementation method of the present invention, the redemption processing unit 175 may further perform a procedure of periodically checking the cryptocurrency price change information for the cryptocurrency through the exchange server 190. In this case, the securities company Based on the latest financial product market price change information checked through the server 185 and the latest cryptocurrency market price change information checked through the exchange server 190, a password recoverable through counter trading for the k financial products You can calculate monetary estimates. Preferably, the redemption processing unit 175 performs a financial product trading procedure for counter trading of the k financial products through the securities company server 185 based on the confirmed financial product price change information, and at the same time, the Based on the cryptocurrency price fluctuation information, an estimate of recoverable cryptocurrency units may be calculated by performing a cryptocurrency trading procedure for recovering cryptocurrency corresponding to the counter trading through the exchange server 190.

Meanwhile, the redemption processing unit 175 includes a cryptocurrency unit held in a designated user's electronic wallet and a user-related cryptocurrency unit held in a designated operator's electronic wallet (e.g., a cryptocurrency unit corresponding to a user among cryptocurrencies held in the operator's electronic wallet). ) And the sum of the estimated value of the cryptocurrency unit recoverable through counter trading, a procedure for determining whether the sum of the user's potential secured cryptocurrency units is equal to or greater than or less than the specified standard cryptocurrency unit of the cryptocurrency collateral loan contract.

According to an implementation method of the present invention, when the sum of the user's potential secured cryptocurrency units before the expiration of the loan period is less than the reference cryptocurrency unit, the repayment processing unit 175 is configured to the securities company server according to the cryptocurrency collateral loan contract. A cryptocurrency trading procedure for automatically performing a financial product trading procedure including counter trading for the k financial products through (185) and recovering the cryptocurrency corresponding to the counter trading through the exchange server 190 By performing, the cryptocurrency of the designated cryptocurrency unit corresponding to the counter sale of the k financial products may be recovered. On the other hand, when the cryptocurrency of the designated cryptocurrency unit corresponding to the counter sale of the k financial products is recovered, the redemption processing unit 175 includes cryptocurrencies held in the designated user electronic wallet (eg, the balance of the loaned cryptocurrency) and User-related cryptocurrencies held in the designated operator's electronic wallet (e.g., the balance that was transferred from the designated user's electronic wallet to the designated operator's electronic wallet and used to trade financial products or the remaining balance used for financial products) and the k number of A loan that transfers the cryptocurrency of the R cryptocurrency unit corresponding to the cryptocurrency mortgage loan contract among user-owned cryptocurrencies containing at least one cryptocurrency recovered through counter trading of financial products to a designated electronic wallet for repayment The reimbursement process can be performed. Meanwhile, the user-related cryptocurrency and/or the recovered cryptocurrency held in the operator's electronic wallet may be transferred directly to the lender's electronic wallet for repayment of the loan or may be transferred to the designated user's own wallet after collection.

Meanwhile, when the sum of the user's potential secured cryptocurrency units at the expiration of the loan period is equal to or greater than the reference cryptocurrency unit, the repayment processing unit 175 performs cryptocurrency held in the user's electronic wallet designated according to the cryptocurrency collateral loan contract ( For example, the balance of the loaned cryptocurrency) and the user-related cryptocurrency held in the designated operator's electronic wallet (e.g., the balance or financial product that was transferred from the designated user's electronic wallet to the designated operator's electronic wallet and was not used for trading financial products among cryptocurrencies) Among the cryptocurrencies owned by users that include one or more of the remaining balance used for Mame), a loan repayment procedure can be performed in which the cryptocurrency of the R cryptocurrency unit corresponding to the cryptocurrency collateral loan contract is transferred to the designated lender's electronic wallet and repaid. have. Meanwhile, the user-related cryptocurrency held in the operator's electronic wallet may be transferred directly to the lender's electronic wallet for repayment of the loan or may be transferred to the designated user's electronic wallet after collection.

Fig. 2 is a diagram showing a process of signing a contract for a reverse order agent according to an implementation method of the present invention.

In more detail, this figure 2 shows the process of signing a contract with a reverse order agent in which a user is designated as an order agent of an operating account for financial product transaction in the name of an operating company provided on the stock company server 185 side. Those of ordinary skill in the art to which the invention belongs, refer to and/or modify this Figure 2 to infer various implementation methods for the above process (e.g., implementation methods in which some steps are omitted or order is changed). Although it may be possible, the present invention includes all of the inferred implementation methods, and the technical features are not limited only by the implementation method shown in FIG. 2.

Referring to Fig. 2, the operation server 100 performs a member registration procedure for a user in connection with the user terminal 180 (200), and the user who is registered as a member during or after the member registration procedure is transferred to a stock company server 185 ) Performs a procedure for signing a contract with a reverse ordering agent specifying the reverse method as the order agent of the operating account for financial product transaction in the name of the operating company (205).

According to the first reverse method order agent contract procedure embodiment of the present invention, the operation server 100 contracts the user with the reverse method order agent based on the information provision procedure and user consent procedure for the reverse method order agent contract. After creating a contract electronic document for execution, attaching the user's electronic signature to the contract electronic document by interlocking with the user terminal 180 and attaching the operator's electronic signature, the electronic signature is A procedure of providing the attached electronic contract document to the securities company server 185 may be performed (205).

According to the second reverse order agent contract procedure embodiment of the present invention, the operation server 100 is one or more electronic documents for a reverse order agent contract between the user and the server/terminal of the operator (or operator's agent) The information exchange procedure for performing an online procedure for exchanging and/or an offline procedure for exchanging one or more paper documents for the reverse order agent contract between the user and the operator (or the operator's agent) may be performed. Meanwhile, when the reverse method order agent contract is concluded between the user and the operator through a designated online/offline procedure, the operation server 100 concludes the reverse method order agent contract through a specified procedure between the user and the operator. It is possible to generate a verification electronic document proving that it is, and perform a procedure of providing the verification electronic document to the securities company server 185 (205).

According to an embodiment of the third reverse order agent contract procedure of the present invention, the operation server 100 provides user information about the user to the terminal of the operator or the terminal of the operator's agent, between the user and the operator. It can be processed to perform an offline contract procedure based on one or more paper documents (205). On the other hand, if the reverse method order agent contract is concluded between the user and the operator through the specified offline contract procedure, the employee or agent of the operator side proves that the reverse method order agent contract is signed through the offline contract procedure. Proof contract document may be provided to the securities company server 185.

When a reverse order agent contract is concluded between the user and the operator, the operation server 100 provides various information exchanged in the process of signing the reverse order agent contract (e.g., various contract content information, user consent information, etc.) And/or various electronic documents (eg, electronic contract documents, electronic documents for verification), and/or store and manage contract agreement information in a designated storage medium (210).

Figure 3 is a diagram showing a cryptocurrency collateral loan process according to an implementation method of the present invention.

In more detail, this figure 3 shows s (s≤S) of the cryptocurrency units of S (S≥minimum cryptocurrency unit) held in the designated user's electronic wallet between the user with the reverse order agent contract and the designated lender. After setting the cryptocurrency of the cryptocurrency unit as collateral and lending the cryptocurrency of the B(B>s) cryptocurrency unit from the lender for the purpose of trading financial products, the designated R(R≥B) cryptocurrency at the expiration of the designated loan period It shows the process of repaying the cryptocurrency of the unit, but before the expiration of the loan period, signing a cryptocurrency collateral loan contract including the standard cryptocurrency unit to execute counter trading for forced repayment of the loaned cryptocurrency, and processing the loan, For those of ordinary skill in the art to which the present invention belongs, refer to and/or modify this Figure 3 to infer various implementation methods for the above process (e.g., implementation methods in which some steps are omitted or the order is changed) Although it may be possible, the present invention includes all of the above inferred implementation methods, and the technical features are not limited only by the implementation method shown in FIG. 3.

Referring to Fig. 3, the operation server 100 checks the cryptocurrency loan application of the user who has signed a contract as a reverse order agent through the process of Fig. 2 in connection with the user terminal 180 (300).

If the user's loan application is confirmed, the operation server 100 determines the lender to lend the cryptocurrency to the user (305), and S (S≥minimum) held in the user electronic wallet designated between the user and the designated lender Cryptocurrency Unit) Among the cryptocurrency units of the cryptocurrency unit, the cryptocurrency of the s(s≤S) cryptocurrency unit is set as collateral, and the cryptocurrency of the B(B>s) cryptocurrency unit is loaned from the lender for the purpose of trading financial products. After the specified loan period expires, the specified cryptocurrency is repaid in the specified R(R≥B) cryptocurrency unit, but before the expiration of the loan period, it includes the standard cryptocurrency unit to execute counter trading for the forced repayment of the loaned cryptocurrency. A procedure for concluding a cryptocurrency collateral loan contract is performed (310).

If the cryptocurrency mortgage loan contract is concluded between the user and the lender, the operation server 100 determines the B cryptocurrency unit among the cryptocurrencies held in the electronic wallet of the lender designated based on the cryptocurrency collateral loan contract. A loan processing procedure for transferring the cryptocurrency to the designated user's electronic wallet is performed (315). Subsequently, the cryptocurrency of the B cryptocurrency unit transferred to the user's electronic wallet may be used for the trading of financial products including the purchase of financial products according to the present invention.

4 is a diagram illustrating a process of providing information for a cryptocurrency-based financial product transaction according to an exemplary embodiment of the present invention.

In more detail, this figure 4 is linked with the real world securities company server 185 to check the purchase price information based on N real currencies for each N (N≥1) financial products, and interlock with the exchange server 190 in the blockchain world. By checking the real currency-based selling price information of the designated cryptocurrency, N cryptocurrency-based purchase price information for each N financial product is generated, and then n() through the program of the user terminal 180 signed with the reverse order agent contract. It shows a process of processing to output transaction-related information including 1≤n≤N) information about financial products and n number of cryptocurrency-based purchase price information for each n financial products, which are common in the technical field to which the present invention belongs. Those of skill in the art will be able to infer various implementation methods for the process (eg, some steps are omitted or the order is changed) by referring and/or modifying this Figure 4, but the present invention It includes all the inferred implementation methods, and the technical features are not limited only by the implementation method shown in FIG. 4.

Referring to Fig. 4, after the reverse order agent contract is concluded between the user and the operator through the process of Fig. 2, the operation server 100 interlocks with the securities company server 185 that provides real world financial product transactions. Check the purchase price information based on N real currency for each N financial product corresponding to the specified N (N≥1) information on financial products (400), and the exchange server 190 that provides cryptocurrency transactions in the blockchain world. In connection with the designated cryptocurrency, real currency-based selling price information is checked (400).

If the purchase price information based on N real currency for each N financial products is confirmed through the securities company server 185 and the real currency based selling price information of the designated cryptocurrency is confirmed through the exchange server 190, the operation server (100) refers to the purchase price information based on N real currencies for each of N (N≥1) financial products checked in connection with the securities company server 185 and the real product of the designated cryptocurrency verified in connection with the exchange server 190 Using the currency-based selling price information, N cryptocurrency-based purchase price information for each of N financial products is generated (405). Here, the N real money-based purchase price information for each of the N financial products includes N real-time purchase price information that enables real-time purchase of N financial products through real money without time delay in connection with the securities company server 185, and , The real money-based selling price information of the cryptocurrency includes real-time selling price information capable of selling a designated cryptocurrency unit of the cryptocurrency designated through the real money in connection with the exchange server 190 in real time without a time delay. Meanwhile, the N cryptocurrency-based purchase price information for each of the N financial products is linked with the N real-money-based purchase price information for each N financial product and the exchange server 190, which is checked in connection with the securities company server 185. As price information generated by matching the real currency-based selling price information of the identified cryptocurrency, N financial products through the securities company server 185 in connection with real-time selling of the designated cryptocurrency through the exchange server 190 It includes N real-time purchase price information that can be purchased in real time.

If the N number of cryptocurrency-based purchase price information for each of the N financial products is generated, the operation server 100 uses n (1 ≤ n ≤) through the program of the user terminal 180 to which the reverse order agent contract is signed. Processing to output transaction-related information including N) information on financial products and n cryptocurrency-based purchase price information for each n financial products (410). According to the implementation method of the present invention, the above process is preferably repeatedly performed periodically, whereby the program of the user terminal 180 is based on the latest real currency for each financial product checked through the securities company server 185. Transactions including price information and n cryptocurrency-based purchase price information for each of the latest n financial products generated based on the latest real currency-based selling price information for the specified cryptocurrency confirmed through the exchange server 190 Information can be printed.

Figure 5 is a diagram showing a cryptocurrency-based financial product transaction process according to an embodiment of the present invention.

In more detail, this drawing 5 shows information on i (1 ≤ i ≤ n) financial products to be purchased based on the reverse order agent contract among n financial products through the program of the user terminal 180 and the purchase amount for each i financial product. When the transaction request information including information is checked, the i financial products are purchased and processed as much as the quantity of each i financial products through the real money deposited in the operating account in connection with the securities company server 185 At the same time as performing the procedure, the i financial products among the cryptocurrencies deposited in the operating account under the name of the operating company provided on the exchange server 190 side by interlocking with the exchange server 190 are as much as the purchase amount for each of the i financial products. Performs a cryptocurrency trading procedure that sells and processes cryptocurrency including cryptocurrency units for purchase for purchase, and transfers cryptocurrencies corresponding to the cryptocurrency units for purchase among the designated cryptocurrencies held by the user to the electronic wallet of the designated operator It shows the process of performing the cryptocurrency transfer procedure, and for those of ordinary skill in the technical field to which the present invention belongs, various implementation methods for the process (e.g., some Steps are omitted, or the implementation method in which the order has been changed) may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited only by the implementation method shown in FIG. .

Referring to Figure 5, through the process of Figure 4, through the program of the user terminal 180, transaction-related information including n cryptocurrency-based purchase price information for n latest n financial products for n financial products During or after being output, the operation server 100 provides information on i (1 ≤ i ≤ n) pieces of financial products to be purchased based on the reverse order agent contract among the n financial products through the program of the user terminal 180 And check the transaction request information including the purchase amount information for each of i financial products (500).

If the transaction request information is confirmed, the operation server 100 uses the real currency-based purchase price information for each latest financial product and the real currency-based selling price information of the designated cryptocurrency to select the i financial products. The cryptocurrency unit for purchase and the real currency unit for purchase are identified (505).

On the other hand, the operation server 100 authenticates whether or not a certain percentage of the cryptocurrency for purchase is held in the user's electronic wallet related to the cryptocurrency (510a), and the securities company server 185 side A verification procedure to certify whether or not more than a certain percentage of the real currency units for purchase corresponding to the purchase cryptocurrency units for purchasing the i financial products as much as the purchase amount for each of the i financial products are deposited in the provided operating account; and (510b), one or more designated authentication procedures in the authentication procedure 510c for authenticating whether or not more than a certain percentage of the cryptocurrency for the purchase of the cryptocurrency unit is deposited in the operating account under the name of the operator provided on the exchange server 190 side. Perform.

If authentication of at least one of the authentication procedures is not confirmed, the operation server 100 generates error information on the number of financial products using a designated cryptocurrency and outputs it through the program of the user terminal 180. Process (515). On the other hand, after error information including not being authenticated is output that the user's electronic wallet has a certain percentage or more of the cryptocurrency for purchase through the program of the user terminal 180, the user Through the terminal 180 or a separate terminal, it is possible to perform a procedure of depositing a cryptocurrency greater than a certain percentage of the purchase cryptocurrency unit in the user electronic wallet, and then the operation server 100 Re-performing the procedure to certify that more than a certain percentage of the cryptocurrency units for purchase are held, and/or the purchase price information based on N real currencies for each of the N financial products that have been recently identified and the real currency of the designated cryptocurrency Of the N cryptocurrency-based purchase price information for each of the N cryptocurrency-based purchase price information for each of the N financial products, which were recently generated through the information generation unit 135 using the base selling price information, n cryptocurrency-based purchase price information and n finances A series of procedures for processing to output transaction-related information including product information through a program of the user terminal 180 may be performed again. On the other hand, the error information includes error information indicating that a certain percentage of the real currency unit for purchase is not deposited in the operating account provided on the securities company server 185 side (e.g., temporary increase in the purchase amount of financial products, etc.) ) And/or the operating account of the operating company provided on the exchange server 190 side contains error information indicating that a certain percentage of the cryptocurrency for purchase is not deposited (e.g., temporary cryptocurrency If not), the operation server 100 notifies the error information to the designated operation terminal to take measures to additionally deposit the real money of the unit of real money designated in the operation account and/or the operation account A measure may be taken to additionally deposit a cryptocurrency of a cryptocurrency unit designated in, and the result information of the measure may be provided as a program of the user terminal 180 according to an implementation method. Thereafter, after the above, the operation server 100 authenticates whether or not more than a certain ratio of the real money unit for purchase is deposited in the operating account and/or the operation account has a certain ratio or more of the real money unit for purchase. The information generation unit re-performs the procedure to verify that cryptocurrency is deposited and/or uses the purchase price information based on N real currencies for each of the N financial products that have been recently checked and the selling price information based on the real currency of the designated cryptocurrency The user provides transaction-related information including n cryptocurrency-based purchase price information for n financial products and n financial product information among the N cryptocurrency-based purchase price information for each N financial products generated through (135). A series of procedures for processing to be output through the program of the terminal 180 may be performed again.

On the other hand, when the authentication of the authentication procedure is confirmed, the operation server 100 interlocks with the securities company server 185 to transfer the i financial products by the amount of purchases for each of the i financial products through the real money deposited in the operating account. The i financial products among the cryptocurrencies deposited in the operating account under the name of the operator provided in the exchange server 190 are linked to the exchange server 190 while performing the financial product trading procedure to process the purchase. Performs a cryptocurrency trading procedure that sells and processes cryptocurrency including the cryptocurrency unit for purchase to purchase as much as the purchase amount of each financial product, and selects cryptocurrency corresponding to the cryptocurrency unit for purchase among the designated cryptocurrencies held by the user. A cryptocurrency transfer procedure for transferring to the designated operator's electronic wallet is performed (520).

On the other hand, the operation server 100 has at least one specified exception situation in at least one of the financial product trading procedure performed through the securities company server 185 and the cryptocurrency trading procedure performed through the exchange server 190 It checks whether it occurs (525), and if at least one specified exception occurs, the operation server 100 performs at least one specified exception handling procedure to resolve the exception (530),

Meanwhile, according to the first exception handling embodiment of the present invention, after the latest N real currency-based purchase price information for each N financial products is confirmed (or based on the N real currency-based purchase price information for each N financial products) After the purchase real currency unit for purchasing the i financial products as much as the purchase amount of the i financial products is confirmed), the financial product transaction information is provided to the securities company server 185 to initiate the financial product trading procedure. At least one included in the purchase price information based on i real currency for each i financial product among the N real currency-based purchase price information for each of the N financial products through the securities company server 185 within a specified time interval in which the process is performed. If there is an exceptional situation in which the financial product trading procedure is not processed in real time due to the change of the real money-based purchase price information for the financial product of (525), the cryptocurrency trading procedure that must be multi-processed with the financial product trading procedure And before the start of the cryptocurrency transfer procedure, the operation server 100 may perform an exception processing procedure for emergency stopping the start of the cryptocurrency trading procedure and the cryptocurrency transfer procedure (530). On the other hand, when at least one of the cryptocurrency trading procedure and the cryptocurrency transfer procedure has already been started (525) at a time when the financial product trading procedure is not processed, the operation server 100 An exception handling procedure including a cancellation procedure for an already initiated procedure may be performed at the same time as an emergency stop of a procedure that has not been initiated among the previous procedures (530). If, despite the cancellation procedure, an already initiated procedure among the cryptocurrency trading procedure and the cryptocurrency transfer procedure is completed in real time (525), the operation server 100 is a counter transaction procedure for returning the completed procedure to the original. The exception handling procedure including a procedure of balancing the processed procedure may be performed through a procedure of another user performed later in the same flow or in the same flow (530).

Meanwhile, according to the second exception handling embodiment of the present invention, after confirming the latest real currency-based selling price information for the specified cryptocurrency (or the i financial products based on the real currency-based selling price information of the cryptocurrency). After confirming the cryptocurrency unit for purchase for the purchase amount of each of the i financial products), the cryptocurrency transaction information is provided to the exchange server 190, and the process of initiating the cryptocurrency trading procedure is performed. If an exception occurs in which the cryptocurrency trading procedure is not processed in real time due to the change of the real currency-based selling price information of the cryptocurrency through the exchange server 190 within a time interval (525), if the cryptocurrency trading procedure and the If the financial product trading procedure and the cryptocurrency transfer procedure that are to be multiplexed together are not initiated, the operation server 100 performs an exception processing procedure to emergencyly stop the start of the financial product trading procedure and the cryptocurrency transfer procedure. Can (530). On the other hand, when at least one of the financial product trading procedure and the cryptocurrency transfer procedure has already been started (525) at a time when the cryptocurrency trading procedure is not processed, the operation server 100 An exception handling procedure including a cancellation procedure for an already initiated procedure may be performed at the same time as an emergency stop of a procedure that has not been initiated among the previous procedures (530). If, despite the cancellation procedure, an already initiated procedure among the financial product trading procedure and the cryptocurrency transfer procedure is completed in real time (525), the operation server 100 is a counter transaction procedure for returning the completed procedure to the original. The exception handling procedure including a procedure of balancing the processed procedure may be performed through a procedure of another user performed later in the same flow or in the same flow (530).

On the other hand, after the financial product trading procedure, cryptocurrency trading procedure, and cryptocurrency transfer procedure are started, the operation server 100 interlocks with the securities company server 185 without a separate specified exception (or an exception occurs. Even if it performs an exception handling procedure to resolve this), it is checked whether the i financial products are purchased by the amount of each i financial product through the operating account, and at the same time, a separate designated exception situation is interlocked with the exchange server 190 Confirms whether the cryptocurrency of the purchase cryptocurrency unit is sold through the operating account without occurrence (or by performing an exception handling procedure to resolve the exception even if an exception occurs), and among cryptocurrencies held in the designated user's electronic wallet It is checked whether the cryptocurrency corresponding to the cryptocurrency unit for purchase is transferred to the electronic wallet of the designated operator (535).

If the completion of the financial product trading procedure, the cryptocurrency trading procedure, and the cryptocurrency transfer procedure is confirmed, the operation server 100 is a cryptocurrency corresponding to the cryptocurrency unit for purchase among cryptocurrencies deposited in the designated user's electronic wallet. Using the brokerage server 185, the transaction completion information including the result of purchasing the i financial products sold through the brokerage server 185 is configured and provided as a program of the user terminal 180 (540) and/or the cryptocurrency The transaction details information including the details of the purchase of the i financial products is generated and stored in a designated storage medium (540).

6 is a diagram illustrating a process of providing information for a cryptocurrency-based financial product transaction according to another embodiment of the present invention.

In more detail, Figure 6 is linked with the real-world securities company server 185 to check the selling price information based on N real currencies for N (N≥1) financial products, and interlock with the exchange server 190 in the blockchain world. By checking the purchase price information based on the real currency of the designated cryptocurrency, N cryptocurrency-based selling price information for each N financial product is generated, and then the reverse method is performed through the program of the user terminal 180 for which the order agent contract is signed. Method A process of processing to output transaction-related information including h (1≤h⊂N) financial product information held by the user and h cryptocurrency-based selling price information for h financial products based on the order agent contract As shown, for those of ordinary skill in the art to which the present invention belongs, various implementation methods for the above process (e.g., some steps are omitted, or the order is changed) by referring and/or modifying this Figure 6 Method) may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited only by the implementation method shown in FIG. 6.

Referring to Fig. 6, after the reverse order agent contract is signed between the user and the operator through the process of Fig. 2, the operation server 100 interlocks with the securities company server 185 that provides real-world financial product transactions. With the exchange server 190 that checks the selling price information based on N real currencies for each N financial products corresponding to the specified N (N≥1) information on financial products (600), and provides cryptocurrency transactions in the blockchain world. In conjunction with the specified cryptocurrency, real money-based purchase price information is checked (600).

If N real currency-based selling price information for each N financial products is confirmed through the securities company server 185, and real currency-based purchase price information of a designated cryptocurrency is confirmed through the exchange server 190, the operation server (100) refers to the selling price information based on N real currencies for each of N (N≥1) financial products verified in connection with the securities company server 185 and the real material of the designated cryptocurrency verified in connection with the exchange server 190 Using the currency-based purchase price information, N cryptocurrency-based selling price information for each N financial product is generated (605). Here, the N real currency-based selling price information for each of the N financial products includes N real-time selling price information that enables real-time selling of N financial products through real currency through the real currency in connection with the securities company server 185, and , The real money-based purchase price information of the cryptocurrency includes real-time purchase price information that enables real-time purchase of the designated cryptocurrency unit of the cryptocurrency designated through the real money by interworking with the exchange server 190. Meanwhile, the N cryptocurrency-based selling price information for each of the N financial products is linked with the N real money-based selling price information for each N financial product and the exchange server 190, which is checked in connection with the securities company server 185. As price information generated by matching real currency-based purchase price information of the identified cryptocurrency, N financial products through the securities company server 185 in connection with the real-time purchase of the designated cryptocurrency through the exchange server 190 It includes N real-time selling price information that can be sold in real time.

If the N number of cryptocurrency-based selling price information for each of the N financial products is generated, the operation server 100 uses h(1≤h⊂) through the program of the user terminal 180 for which the reverse order agent contract is signed. Processing to output transaction-related information including information on N) financial products and h cryptocurrency-based selling price information for each of h financial products (610). According to the implementation method of the present invention, the above process is preferably repeatedly performed periodically, whereby the program of the user terminal 180 is the latest real currency-based sale of each financial product identified through the securities company server 185. Transactions including price information and h cryptocurrency-based selling price information for each of the latest h financial products generated based on the latest real money-based purchase price information for the specified cryptocurrency verified through the exchange server 190 Information can be printed.

FIG. 7 is a diagram illustrating a cryptocurrency-based financial product transaction process according to another embodiment of the present invention.

In more detail, this figure 7 is based on the reverse order agent contract among h (1≤h⊂N) financial products held by the user based on the reverse order agent contract through the program of the user terminal 180. When the transaction request information including information on j (1≤j≤h) pieces of financial products to be sold and information on the amount of sales for each j pieces of financial products is confirmed, the j financial products are linked to the securities company server 185 At the same time, the j financial products are displayed through an operating account in the name of an operating company provided in the exchange server 190 in connection with the exchange server 190 while performing a procedure for selling financial products that sells as much as the amount sold for each financial product. A cryptocurrency purchase procedure that purchases and processes cryptocurrency including cryptocurrency units to be obtained when selling the j number of financial products sold, and the cryptocurrency to be obtained when selling the j number of financial products as much as the selling amount of each of the j financial products It shows a process of performing a cryptocurrency transfer procedure in which a cryptocurrency corresponding to a currency unit is transferred from a designated operator's electronic wallet to a designated user's electronic wallet.If a person has ordinary knowledge in the technical field to which the present invention belongs, this drawing With reference to and/or modification of 7, it will be possible to infer various implementation methods for the above process (e.g., implementation methods in which some steps are omitted or the order is changed), but the present invention includes all the inferred implementation methods. It is made, and the technical features are not limited only by the implementation method shown in FIG. 7.

Referring to FIG. 7, through the process of FIG. 6, through the program of the user terminal 180, transaction-related information including selling price information based on h cryptocurrencies for h financial products for h latest financial products During or after the output, the operation server 100 is j (1≤j≤h) financial products to be sold based on the reverse order agent contract among the h financial products through the program of the user terminal 180 The transaction request information including the information and the sale amount information for each j financial products is checked (700).

If the transaction request information is confirmed, the operation server 100 uses the latest real currency-based selling price information for each financial product and the real currency-based purchase price information of the designated cryptocurrency to select the j financial products. The cryptocurrency unit to be obtained when selling is determined by the amount of each financial product sold (705).

Meanwhile, the operation server 100 performs a financial product selling procedure in which the j financial products are sold as much as the selling amount for each of the j financial products in connection with the securities company server 185, and at the same time, the exchange server 190 and the A cryptocurrency including a cryptocurrency unit to be obtained when selling the j financial products as much as the selling amount for each of the j financial products among the cryptocurrencies deposited in the operating account under the name of the operator provided in the exchange server 190 side by linking A cryptocurrency purchase procedure that processes the purchase is performed (710).

Meanwhile, the operation server 100 transfers the cryptocurrency corresponding to the cryptocurrency unit to be obtained when the j financial products are sold by the amount of each of the j financial products to be transferred from the designated operator's electronic wallet to the designated user's electronic wallet. The procedure may be performed (715). Meanwhile, the cryptocurrency transferred to the user's electronic wallet can be reused for the purchase of financial products according to the present invention.

Meanwhile, during or after the procedure for selling financial products and the procedure for buying cryptocurrency are initiated (or in progress), the operation server 100 includes a procedure for selling financial products performed through the securities company server 185 and the exchange server 190 During the cryptocurrency purchase procedure performed through at least one procedure, it is checked whether at least one specified exception occurs (720), and if at least one specified exception occurs, the operation server 100 resolves the exception. Performs at least one exception handling procedure designated for (725),

Meanwhile, according to the first exception handling embodiment of the present invention, after confirming the selling price information based on N real currencies for each of the latest N financial products, the financial product is sent to the securities company server 185 through the operation server 100. Through the securities company server 185, within a specified time interval in which the process of providing transaction information and initiating the procedure for selling financial products is performed, j for each of j financial products among the N real currency-based selling price information for each of the N financial products In the event that an exception occurs in which the procedure for selling financial products is not processed in real time because the real money-based selling price information for at least one financial product included in the real money-based selling price information is changed (e.g., the securities company server 185) If the transaction of selling the j financial products by the amount of each of the j financial products has failed, etc.) (720), if the cryptocurrency purchase procedure to be multi-processed with the financial product selling procedure is initiated, The operation server 100 may perform an exception processing procedure for emergency stopping the start of the cryptocurrency purchase procedure (725). On the other hand, if the cryptocurrency purchase procedure has already been started (720) at a time when the financial product selling procedure is not processed, the operation server 100 emergencyly stops the cryptocurrency purchase procedure and at the same time cancels the procedure for the already initiated procedure. It is possible to perform an exception handling procedure including (725). If the cryptocurrency purchase procedure is completed in real time despite the cancellation procedure (720), the operation server 100 performs a reverse transaction procedure to return the completed procedure to the original or executes it later in the same flow. A procedure for balancing the processed procedure through another user's procedure (e.g., if the transfer of 10 units has already been completed, no transfer of 10 units of another user is performed in the same flow after that An exception handling procedure including a procedure of balancing the user's 10 units before but offsetting the current 10 units may be performed (725).

Meanwhile, according to the second exception handling embodiment of the present invention, after the latest real currency-based purchase price information for a designated cryptocurrency is confirmed, the cryptocurrency transaction information is sent to the exchange server 190 through the operation server 100. The cryptocurrency purchase procedure is not processed in real time because the real money-based purchase price information of the cryptocurrency is changed through the exchange server 190 within a specified time interval in which the procedure for initiating the cryptocurrency purchase procedure is performed. When an exception occurs (e.g., failure to purchase the cryptocurrency unit of the cryptocurrency unit to be obtained through the exchange server 190, etc.) 720, if the financial product to be multi-processed with the cryptocurrency purchase procedure If it is before the selling procedure is started, the operation server 100 may perform an exception processing procedure for emergency stopping the start of the financial product selling procedure (725). On the other hand, if the procedure for selling the financial product has already been started (720) when the procedure for buying the cryptocurrency has not been processed, the operation server 100 emergencyly stops the procedure for selling the financial product and at the same time cancels the procedure for the already initiated procedure. It is possible to perform an exception handling procedure including (725). If the procedure for selling the financial product is completed in real time despite the cancellation procedure (720), the operation server 100 performs the reverse transaction procedure to return the completed procedure to the original or executes it later in the same flow. A procedure for balancing the processed procedure through another user's procedure (e.g., if the transfer of 10 units has already been completed, no transfer of 10 units of another user is performed in the same flow after that An exception handling procedure including a procedure of balancing the user's 10 units before but offsetting the current 10 units may be performed (725).

On the other hand, after the procedure for selling financial products and the procedure for buying cryptocurrency are started, the operation server 100 interlocks with the securities company server 185 to resolve the exception without occurrence of a specified exception (or even if an exception occurs. By performing the processing procedure), it is checked whether the j financial products are sold by the amount sold by the j financial products, and at the same time, in connection with the exchange server 190, there is no separate specified exception situation (or even if an exception occurs). It is checked whether the cryptocurrency of the to-be-obtained cryptocurrency unit is purchased through the operating account (by performing an exception handling procedure for solving this) (730).

If the completion of the procedure for selling financial products and the procedure for buying cryptocurrency is confirmed, the operation server 100 configures transaction completion information including the result of selling the two financial products through the securities company server 185 Provided as a program of the user terminal 180 (740) and/or generate transaction details information including detailed details of selling the j financial products, and store them in a designated storage medium (735)

Figure 8 is a diagram showing a cryptocurrency loan repayment process according to an implementation method of the present invention.

In more detail, this figure 8 shows the process of repaying before or at the end of the loan period according to the cryptocurrency collateral loan contract concluded between the user and the lender, and those of ordinary skill in the technical field to which the present invention belongs , It is possible to infer various implementation methods for the above process (for example, some steps are omitted or the order is changed) by referring to and/or modifying this Figure 8, but the present invention provides all of the inferred implementation methods. It includes, and the technical features are not limited only by the implementation method shown in FIG. 8.

Referring to Figure 8, the operation server 100 is based on the user-owned cryptocurrency including the cryptocurrency of the B cryptocurrency unit loaned to the user, based on the reverse order agent contract, through the securities company server 185 By linking the performed financial product trading procedure with the cryptocurrency trading procedure performed through the exchange server 190, k (1≦k⊂N) financial products held by the user are checked (800). Preferably, the k financial products held by the user may include financial products held by the user by interlocking the processes of FIGS. 4 to 5 and the processes of FIGS. 6 to 7.

If the user has k financial products, the operation server 100 performs a procedure for periodically checking information on changes in financial product market prices for k financial products through the securities company server 185 (805). , Performs a procedure for periodically checking the cryptocurrency price change information for the cryptocurrency through the exchange server 190 (810), based on the confirmed financial product price change information and the cryptocurrency price change information An estimate of the cryptocurrency unit recoverable through counter trading of the k financial products is calculated (815). According to the implementation method of the present invention, the operation server 100 performs a financial product trading procedure for counter trading for the k financial products through the securities company server 185 based on the confirmed financial product market price change information. At the same time, it is possible to calculate a recoverable cryptocurrency unit estimate by performing a cryptocurrency trading procedure for recovering the cryptocurrency corresponding to the counter trading through the exchange server 190 based on the cryptocurrency price change information. There is (815).

On the other hand, the operation server 100 is the user's potential secured password by combining the cryptocurrency unit held in the designated user's electronic wallet, the user-related cryptocurrency unit held in the designated operator's electronic wallet, and the estimated value of the cryptocurrency unit recoverable through the counter trade. It is determined whether the sum of the currency units is greater than or less than the specified standard cryptocurrency unit of the cryptocurrency collateral loan contract (820).

If the sum of the user's potential secured cryptocurrency units before the expiration of the loan period is less than the reference cryptocurrency unit, the operation server 100 uses the k A cryptocurrency trading procedure for automatically performing a financial product trading procedure including counter trading for two financial products and at the same time performing a cryptocurrency trading procedure for recovering the cryptocurrency corresponding to the counter trading through the exchange server 190 (825), The cryptocurrency of the R cryptocurrency unit among user-owned cryptocurrencies including at least one cryptocurrency held in the designated user's electronic wallet, the user-related cryptocurrency held in the designated operator's electronic wallet, and the recovered cryptocurrency is the designated lender's electronic A loan repayment procedure for repaying with a wallet is performed (830).

On the other hand, when the sum of the user's potential secured cryptocurrency units at the expiration of the loan period is equal to or greater than the reference cryptocurrency unit, the operation server 100 includes the cryptocurrency held in the user's electronic wallet designated according to the cryptocurrency collateral loan contract. A loan repayment procedure is performed to repay the cryptocurrency of the R cryptocurrency unit among the cryptocurrencies held by the user including one or more user-related cryptocurrencies held in the electronic wallet of the designated operator to the electronic wallet of the designated lender (835).

100: operation server 105: member subscription
110: contract processing unit 115: information storage unit
120: loan contract 125: loan processing unit
130: information confirmation unit 135: information generation unit
140: output processing unit 145: transaction request confirmation unit
150: unit verification unit 155: authentication processing unit
160: transaction processing unit 165: transaction confirmation unit
170: transaction completion unit 175: repayment processing unit
180: user terminal 185: middle authority server
190: Exchange server

Claims (19)

In the method executed through a system including a program of an operator's operation server and user terminal that can be linked with a stock company server that provides real world financial product transactions and can be linked with an exchange server that provides cryptocurrency transactions in the blockchain world. ,
A first step of performing a procedure for signing a reverse method order agent contract in which a user is designated as an order agent for an operating account for financial product transaction in the name of an operating company provided on the securities company server side;
The cryptocurrency in the cryptocurrency unit of S (S ≥ the minimum cryptocurrency unit) of the cryptocurrency unit of the cryptocurrency unit held in the designated user's electronic wallet between the user with which the reverse order agent contract is signed and the designated lender When the loan period expires, the designated cryptocurrency unit is repaid at the expiration of the designated loan period after lending the cryptocurrency of the B(B>s) cryptocurrency unit from the lender as collateral. However, a second step of performing a procedure for signing a cryptocurrency mortgage loan contract including a standard cryptocurrency unit to execute counter trading for forced repayment of the loaned cryptocurrency before the expiration of the loan period;
When the cryptocurrency secured loan contract is concluded, a loan processing procedure is performed in which the cryptocurrency of the B cryptocurrency unit is transferred to the designated user's electronic wallet among cryptocurrencies held in the electronic wallet of the lender specified based on the cryptocurrency mortgage loan contract. The third step;
Based on the reverse order agent contract and the loaned cryptocurrency, the financial product trading procedure performed through the securities company server and the cryptocurrency trading procedure performed through the exchange server are linked to each other, so that the user holds k (1 ≤ a fourth step of identifying k⊂N) financial instruments;
A fifth step of checking financial product market price change information for the k financial products through the securities company server and cryptocurrency market price change information for the cryptocurrency through the exchange server;
A sixth step of calculating an estimate of a recoverable cryptocurrency unit through counter-trading for the k financial products based on the confirmed financial product price change information and the cryptocurrency price change information;
The sum of the cryptocurrency units held in the designated user's electronic wallet, the user-related cryptocurrency units held in the designated operator's electronic wallet, and the estimated cryptocurrency units recoverable through the counter trading, the sum of the user's potential secured cryptocurrency units is the cryptocurrency. A seventh step of determining whether the mortgage loan contract is greater than or less than a specified standard cryptocurrency unit;
When the sum of the user's potential secured cryptocurrency units before the expiration of the loan period is less than the standard cryptocurrency unit, finance including counter-sale for the k financial products through the securities company server according to the cryptocurrency collateral loan contract An eighth step of performing a cryptocurrency trading procedure of automatically performing a product trading procedure and recovering the cryptocurrency corresponding to the counter trading through the exchange server; And
The cryptocurrency of the R cryptocurrency unit among user-owned cryptocurrencies including at least one cryptocurrency held in the designated user's electronic wallet, the user-related cryptocurrency held in the designated operator's electronic wallet, and the recovered cryptocurrency is the designated lender's electronic A method of providing a secured loan for a blockchain-based cryptocurrency for the sale of financial products, including; a ninth step of performing a loan repayment procedure for repaying with a wallet.
The method of claim 1, wherein the first step,
Performing an information provision procedure of providing information on the contract details of the reverse order agent contract to a user terminal or performing a user consent procedure for the contract contents of the reverse order agent contract in connection with the user terminal A method of providing a secured loan for a blockchain-based cryptocurrency for the trading of financial products characterized by.
The method of claim 1 or 2, wherein the first step,
Generating a contract electronic document for signing a contract with the user and the reverse order agent;
Performing a procedure of attaching a user's electronic signature to a contract electronic document in connection with the user terminal and a procedure of attaching the operator's electronic signature; And
And performing a procedure of providing the electronic contract document with the electronic signature attached to the securities company server. A method of providing a secured loan for a cryptocurrency based on a blockchain for trading financial products.
The method of claim 1 or 2, wherein the first step,
Generating a verification electronic document proving that the reverse order agent contract is signed through a specified procedure between the user and the operator; And
A method for providing a secured loan for a blockchain-based cryptocurrency for trading financial products, comprising: performing a procedure of providing the verification electronic document to the securities company server.
The method of claim 1, wherein the fourth step,
Using the N real currency-based purchase price information for each of N (N≥1) financial products checked in connection with the securities company server and the real currency-based selling price information of the designated cryptocurrency checked in connection with the exchange server, Step 4-1 of generating N cryptocurrency-based purchase price information for each financial product;
To output transaction-related information including n (1≤n≤N) financial product information and n cryptocurrency-based purchase price information for each n financial product through the program of the user terminal with the reverse order agent contract A 4-2 step of processing;
Through the program of the user terminal, transaction request information including information on i (1 ≤ i ≤ n) financial products to be purchased based on the reverse order agent contract among the n financial products and information on the amount of purchase for each i financial product is provided. Step 4-3 to confirm;
In connection with the securities company server, the financial product purchase procedure is performed in which the i financial products are purchased as much as the purchase amount for each of the i financial products through the real money deposited in the operating account, and at the same time, the exchange is linked with the exchange server. Selling cryptocurrency that sells and processes cryptocurrency including cryptocurrency units for purchase to purchase the i financial products as much as the purchase amount for each of the i financial products among cryptocurrencies deposited in the operating account under the name of the operating company provided on the server side 4-4 steps of performing a procedure and performing a cryptocurrency transfer procedure of transferring the cryptocurrency corresponding to the purchase cryptocurrency unit among cryptocurrencies held in the designated user electronic wallet to the designated operator electronic wallet; and ,
The k financial products, a method of providing a collateral loan for a blockchain-based cryptocurrency for trading financial products, characterized in that comprising the i financial products.
The method of claim 5,
Check the purchase price information based on N real currency for each N financial product corresponding to information on N (N≥1) financial products specified in connection with the securities company server, and sell the specified cryptocurrency based on real currency in connection with the exchange server Further comprising the step of checking the price information,
The step 4-1 is based on N cryptocurrencies for each of N financial products using N real currency-based purchase price information for each of the identified N financial products and real money-based selling price information of the identified cryptocurrency. A method of providing a secured loan for a blockchain-based cryptocurrency for trading financial products, comprising the step of generating purchase price information.
The method of claim 5, wherein the N real currency-based purchase price information for each of the N financial products,
A method of providing a collateral loan for a cryptocurrency based on a blockchain for trading financial products, characterized in that it includes N real-time purchase price information that enables real-time purchase of N financial products through real money in connection with the securities company server .
The method of claim 5, wherein the real currency-based selling price information of the cryptocurrency,
Blockchain-based cryptocurrency collateral loan for financial products, characterized in that it includes real-time selling price information that enables real-time sale of a designated cryptocurrency unit of a designated cryptocurrency through real money in connection with the exchange server. Delivery method.
The method of claim 5, wherein the N cryptocurrency-based purchase price information for each of the N financial products,
Blockchain-based cryptocurrency for trading financial products, characterized in that it includes N real-time purchase price information that enables real-time purchase of N financial products through the securities company server in connection with real-time selling of designated cryptocurrencies through the exchange server. How to provide a collateral loan for money.
The method of claim 5, wherein the step 4-3,
Blockchain-based cryptocurrency for trading financial products, characterized in that it further comprises the step of confirming a purchase cryptocurrency unit and a purchase real money unit for purchasing the i financial products as much as the purchase amount for each of the i financial products. How to provide a collateral loan for money.
The method of claim 1, wherein the fourth step,
If the user has h (1≤h⊂N) financial products based on the reverse order agent contract,
Using the N real currency-based selling price information for each N (N≥1) financial products checked in connection with the securities company server and the real currency-based purchase price information of the designated cryptocurrency verified in connection with the exchange server, Step 4-1 of generating N cryptocurrency-based selling price information for each financial product;
A system that outputs transaction-related information including information on h pieces of financial products held by the user and information on selling prices based on h pieces of cryptocurrency for each of h pieces of financial products through the program of the user terminal for which the reverse order agent contract was signed. Step 4-2;
Transaction request information including information on j (1≤j≤h) financial products to be sold based on the reverse order agent contract among the h financial products through the program of the user terminal and information on the amount of sales per j financial products. Step 4-3 of confirming; And
In connection with the securities company server, based on the reverse order agent contract, the user's j financial products are sold as much as the amount of each j financial products sold, and at the same time, the transaction is linked with the exchange server. Performs a cryptocurrency purchase procedure in which cryptocurrency including cryptocurrency units to be obtained when selling the j financial products as much as the selling amount of each of the j financial products through an operating account in the name of the operator provided on the exchange server side Step 4-4; A method of providing a collateral loan for a blockchain-based cryptocurrency for the trading of financial products, comprising:
The method of claim 11,
Check the selling price information based on N real currency for each N financial product corresponding to information on N (N≥1) financial products specified in connection with the securities company server, and buy real currency based on the specified cryptocurrency by interlocking with the exchange server Further comprising the step of checking the price information,
The step 4-1 is based on N cryptocurrencies for each of N financial products using the N real currency-based selling price information for each of the N financial products and the real currency-based purchase price information of the identified cryptocurrency. A method of providing a secured loan for a blockchain-based cryptocurrency for trading financial products, comprising the step of generating selling price information.
The method of claim 11, wherein the N real currency-based selling price information for each of the N financial products,
A method of providing a collateral loan for a blockchain-based cryptocurrency for trading financial products, characterized in that it includes N real-time selling price information that enables real-time selling of N financial products through real money in connection with the securities company server. .
The method of claim 11, wherein the real money-based purchase price information of the cryptocurrency,
A method of providing a secured loan for a blockchain-based cryptocurrency for trading financial products, comprising real-time purchase price information that enables real-time purchase of a designated cryptocurrency unit of a designated cryptocurrency in connection with the exchange server.
The method of claim 11, wherein the N cryptocurrency-based selling price information for each of the N financial products,
Blockchain-based cryptography for trading financial products, characterized in that it includes N real-time selling price information that enables real-time selling of N financial products through the securities company server in connection with real-time purchase of a designated cryptocurrency through the exchange server. How to provide a collateral loan for money.
The method of claim 11, wherein the step 4-3,
The method of providing a secured loan for a blockchain-based cryptocurrency for trading financial products, further comprising the step of confirming a cryptocurrency unit to be obtained when selling the j financial products by the amount of each of the j financial products.
The method of claim 11, wherein the step 4-4,
Further comprising the step of performing a cryptocurrency transfer procedure of transferring the cryptocurrency corresponding to the cryptocurrency unit to be obtained when the j financial products are sold by the amount of the j financial products sold from the designated operator's electronic wallet to the designated user's electronic wallet. A method of providing a secured loan for a blockchain-based cryptocurrency for trading financial products, characterized in that the
The method of claim 1, wherein the sixth step,
Based on the confirmed financial product market price change information, a financial product trading procedure for counter trading of the k financial products is performed through the securities company server, and at the same time, through the exchange server based on the cryptocurrency market price change information. Comprising the step of calculating a recoverable cryptocurrency unit estimate by performing a cryptocurrency trading procedure for recovering the cryptocurrency corresponding to the counter trading, a secured loan for a cryptocurrency based on a blockchain for trading financial products, characterized in that Delivery method.
The method of claim 1,
When the sum of the user's potential secured cryptocurrency units at the expiration of the loan period is more than the standard cryptocurrency unit, the cryptocurrency held in the user's electronic wallet designated according to the cryptocurrency collateral loan contract and the user held in the designated operator's electronic wallet Performing a loan repayment procedure for repaying the cryptocurrency of the R cryptocurrency unit among user-owned cryptocurrencies containing at least one cryptocurrency to a designated electronic wallet of the lender Blockchain-based cryptocurrency loan provision method.

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