KR20220046192A - Integrated transaction system of certificate of principal and interest - Google Patents

Abstract

The present invention relates to an integrated transaction system for a principal and interest reception right. According to an embodiment of the present invention, the integrated transaction system for the principal and interest reception right comprises a server and a user device. The user device includes: a first user device requesting the sale of a pre-owned principal and interest reception right; and a second user device requesting the purchase of the principal and interest reception right registered for sale. The server is able to, when a request for sale of the principal and interest reception right owned by a user is received from the first user device, authenticate the transaction appropriateness on the relevant principal and interest reception right, register the principal and interest reception right with the transaction appropriateness authenticated on a transaction platform for sale, receive a request for purchase of the principal and interest reception right registered on the transaction platform from the second user device, and perform the payment of the sale price and the transfer of the ownership of the relevant principal and interest reception right. The present invention aims to provide a blockchain-based copyright transaction service support system, which is capable of supporting a user to trade a principal and interest reception right by a more convenient method.

Description

Integrated transaction system of certificate of principal and interest}

The present invention relates to an integrated transaction system for principal and interest receivables. More specifically, the present invention relates to a system for enabling the transaction of principal and interest receivables to be performed integrally within one platform regardless of the issuing entity of the principal and interest receivables.

With the recent activation of P2P investment, the demand of users to trade principal and interest, the right to receive principal and interest corresponding to such P2P investment, is also increasing.

However, the market for selling principal and interest receivables is still insufficient, and although some companies provide exchanges that allow principal and interest receivables to be traded, the reality is that the utilization is low because it is limited to trading products issued by the company. Due to this situation, many users try to transact through an unofficial route when they want to sell their principal and interest receivables, and accordingly, there is a risk that the principal and interest receivables can be abused for crimes such as fraud.

Therefore, it is required to provide a platform that has high stability and public credibility and can trade principal and interest receivables issued by various companies.

An object of the present invention is to enable the transaction of principal and interest receivables issued by various companies through the same platform.

An object of the present invention is to transparently manage the transaction history of principal and interest receivables, and to provide a stable and reliable trading platform of principal and interest receivables.

The integrated transaction system for principal and interest receivables according to an embodiment of the present invention is composed of a server and a user device, wherein the user device includes a first user device that requests sales of pre-owned principal and interest receivables and the principal and interest receivables registered for sale and a second user device that requests to purchase Registers the certified principal and interest receivables for sale on the trading platform, and upon receiving a purchase request for the principal and interest receivables registered in the trading platform from the second user device, payment of the sales amount of the principal and interest receivables and transfer of ownership are performed can do.

According to various embodiments of the present invention, since principal and interest receivables issued by various companies can be transacted through the same platform, it is possible to support a user to transact principal and interest receivables in a more convenient manner.

Various embodiments of the present invention record transaction information of principal and interest receivables based on a private block chain, so it is possible to transparently manage the transaction history of principal and interest receivables, and to provide a stable and reliable transaction platform function. .

1 is a diagram illustrating the configuration of an integrated transaction system according to an embodiment of the present invention.
FIG. 2 is a diagram for explaining an operation in which principal and interest receivables are transacted in the integrated trading platform according to an embodiment of the present invention.
3 is a diagram illustrating the configuration of a server according to an embodiment of the present invention.
4 is a diagram illustrating the configuration of a transaction asset authentication unit according to an embodiment of the present invention.
5 is a diagram illustrating a configuration of a transaction support unit according to an embodiment of the present invention.

Advantages and features of the present invention and methods of achieving them will become apparent with reference to the embodiments described below in detail in conjunction with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but may be implemented in various different forms, and only the present embodiments allow the disclosure of the present invention to be complete, and those of ordinary skill in the art to which the present invention pertains. It is provided to fully understand the scope of the present invention to those skilled in the art, and the present invention is only defined by the scope of the claims.

The terminology used herein is for the purpose of describing the embodiments and is not intended to limit the present invention. In this specification, the singular also includes the plural unless specifically stated otherwise in the phrase. As used herein, “comprises” and/or “comprising” does not exclude the presence or addition of one or more other components in addition to the stated components. Like reference numerals refer to like elements throughout, and "and/or" includes each and every combination of one or more of the recited elements. Although "first", "second", etc. are used to describe various elements, these elements are not limited by these terms, of course. These terms are only used to distinguish one component from another. Accordingly, it goes without saying that the first component mentioned below may be the second component within the spirit of the present invention.

Unless otherwise defined, all terms (including technical and scientific terms) used herein will have the meaning commonly understood by those of ordinary skill in the art to which this invention belongs. In addition, terms defined in a commonly used dictionary are not to be interpreted ideally or excessively unless specifically defined explicitly.

As used herein, the term “unit” or “module” refers to a hardware component such as software, FPGA, or ASIC, and “unit” or “module” performs certain roles. However, “part” or “module” is not meant to be limited to software or hardware. A “unit” or “module” may be configured to reside on an addressable storage medium or to reproduce one or more processors. Thus, as an example, “part” or “module” refers to components such as software components, object-oriented software components, class components and task components, processes, functions, properties, Includes procedures, subroutines, segments of program code, drivers, firmware, microcode, circuitry, data, databases, data structures, tables, arrays, and variables. Components and functionality provided within “parts” or “modules” may be combined into a smaller number of components and “parts” or “modules” or as additional components and “parts” or “modules”. can be further separated.

Spatially relative terms "below", "beneath", "lower", "above", "upper", etc. It can be used to easily describe the correlation between a component and other components. Spatially relative terms should be understood as terms including different directions of components during use or operation in addition to the directions shown in the drawings. For example, when a component shown in a drawing is turned over, a component described as "beneath" or "beneath" of another component may be placed "above" of the other component. can Accordingly, the exemplary term “below” may include both directions below and above. Components may also be oriented in other orientations, and thus spatially relative terms may be interpreted according to orientation.

In this specification, a computer refers to all types of hardware devices including at least one processor, and may be understood as encompassing software configurations operating in the corresponding hardware device according to embodiments. For example, a computer may be understood to include, but is not limited to, smart phones, tablet PCs, desktops, notebooks, and user clients and applications running on each device.

In addition, the right to receive principal and interest presented in this specification means the right to receive principal and interest, and specifically, an investor who has invested in P2P investment products can be understood as a right to receive principal and interest repaid by the borrower. can

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

1 is a diagram illustrating the configuration of an integrated transaction system according to an embodiment of the present invention.

The integrated transaction system according to an embodiment of the present invention may provide a platform service for trading principal and interest receivables acquired by one user through P2P investment or the like with others.

Specifically, the integrated transaction system may be configured to include a server 100 supporting a trading platform of principal and interest receivables and a plurality of user devices 200 that want to trade principal and interest receivables. Furthermore, the user device may include a first user device 201 to sell principal and interest receivables and a second user device 202 to purchase principal and interest receivables.

The server 100 may receive a sales request signal of the principal and interest receivables from the first user device 201 that intends to sell the principal and interest receivables. At this time, the server 100 transmits asset information (eg, investment product information, investment money, interest rate, etc.) and transaction information (eg, transaction conditions such as sales price) regarding the principal and interest receivables together with a sale request signal of the principal and interest receivables to the first user You can make a request to device 201.

The server 100 also authenticates the transaction suitability of the principal and interest receivables as it receives information about the principal and interest receivables, starts generating and managing the private key of the block chain for the principal and interest receivables for which the transaction suitability is verified, and the corresponding principal and interest An operation of determining suitability by comparing the asset value of the receivable with the transaction information requested by the first user may be performed.

After that, when a purchase request is received from another user device (the second user device 202) for the principal and interest receivables, the server 100 performs the overall transaction process (eg, payment, transfer of ownership, etc.).

When the transaction is completed, the server 100 records the transaction-related information in the transaction ledger of the block chain, so that it can be confirmed when re-transmitting the same product in the future.

FIG. 2 is a diagram for explaining an operation in which principal and interest receivables are traded in the integrated trading platform according to an embodiment of the present invention.

As shown in FIG. 2 , the integrated trading platform according to an embodiment of the present invention can support not only the principal and interest receivables issued by one company, but also various types and services for trading principal and interest receivables issued by various companies.

In general, principal and interest receivables are loan bonds in which one user (investor) is granted the right to receive principal and interest on investment in a financial company that sells P2P investment products as they invest in investment products.

The platform according to an embodiment of the present invention can support various types of principal and interest receivables issued by various companies to be transacted on one platform.

Specifically, the platform according to an embodiment of the present invention supports other users to purchase the principal and interest receivables issued by the company A as the owner registers the principal and interest receivables as a transactional product on the trading platform. . Accordingly, the ownership of the principal and interest receivables registered as a transactional product may be transferred, for example, from the first user to the second user. And at this time, the price for which the first user sold the principal and interest receivables to the second user may be paid to the first user's account.

As such, as the ownership of the principal and interest receivables is changed, the subject to be reimbursed for principal and interest later from the company A may be changed to the second user who purchased the principal and principal receivables instead of the first user.

For reference, according to various embodiments, the sale price of principal and interest receivables may include various forms, for example, may further include stocks, other principal and interest receivables, etc. as well as cash.

In addition, when a transaction product (principal and interest receivables) is registered for sale, the server 100 providing the transaction platform service may determine the transaction price at an amount to which a certain discount rate is applied. In addition, the server 100 may automatically charge a transaction fee to users who are transaction participants.

The fee may be paid to the trading platform, for example, in the step of registering the principal and interest receivables that the first user wants to sell on the trading platform or in the step in which the principal and interest receivables registered by the first user to sell are traded to other users. .

As the owner of the principal and interest receivable is changed through a transaction, the principal and interest of the corresponding investment proposal must be transferred to the second user who is the changed owner, and the method of receiving the principal and interest to the second user can be made in various ways. For example, when the second user purchases the principal and interest receivables of the company A from the first user, the server 100 provides the changed owner information (eg, account information) to the affiliated company A and performs the process of receiving approval. Through this, the principal and interest can be deposited from company A to the account of the second user. Alternatively, the server 100 allows the first principal and interest to be transferred to the account on the platform server 100 side of the amount to be provided to the first user who sold the principal and interest receivables, and thereafter, the server 100 sends 2 You can support the transfer of the principal and interest of the car. If the repayment of the investment made by another company is made through the platform server 100 as described above, the server 100 may deduct a predetermined fee when repaying the principal and interest.

3 is a diagram illustrating the configuration of a server according to an embodiment of the present invention.

As shown in FIG. 3 , the server 100 according to an embodiment of the present invention may include a communication unit 110 , a storage unit 120 , and a control unit 130 .

The communication unit 110 may use a network for data transmission/reception between the user device and the server, and the type of the network is not particularly limited. The network may be, for example, an IP (Internet Protocol) network that provides a large-capacity data transmission/reception service through Internet Protocol (IP) or an All IP network that integrates different IP networks. In addition, the network includes a wired network, a Wibro (Wireless Broadband) network, a mobile communication network including WCDMA, a High Speed Downlink Packet Access (HSDPA) network, and a Long Term Evolution (LTE) network including a mobile communication network, LTE advanced (LTE-A) ), a mobile communication network including 5G (Five Generation), a satellite communication network, and a Wi-Fi network, or a combination of at least one or more of them.

The communication unit 110 according to an embodiment of the present invention may transmit/receive data for a transaction of assets (principal and interest receivables) with a plurality of user devices 200 . Specifically, the communication unit 110 may receive a sales or purchase request signal of the principal and interest receivables from the user device 200 . In addition, the communication unit 110 may receive asset information and transaction information on the principal and interest receivables to be transacted from the first user device 201 to which the principal and interest receivables are to be sold.

In addition, the communication unit 110 may transmit information on various authentication results (asset value, authenticity, etc.) performed on the principal and interest receivables and information on whether the transaction is completed to the user device 200 .

The storage unit may include, for example, an internal memory or an external memory. The internal memory includes, for example, a volatile memory (eg, dynamic RAM (DRAM), static RAM (SRAM), or synchronous dynamic RAM (SDRAM), etc.), non-volatile memory (eg, OTPROM (one time programmable ROM), programmable ROM (PROM), erasable and programmable ROM (EPROM), electrically erasable and programmable ROM (EEPROM), mask ROM, flash ROM, flash memory (such as NAND flash or NOR flash), hard drive, or a solid state drive (SSD).

External memory is a flash drive, for example, CF (compact flash), SD (secure digital), Micro-SD (micro secure digital), Mini-SD (mini secure digital), XD (extreme digital), It may further include a multi-media card (MMC) or a memory stick. The external memory may be functionally and/or physically connected to the electronic device through various interfaces.

The storage unit 120 according to an embodiment of the present invention may store programs and commands related to an operation of performing an integrated transaction of principal and interest receivables. Specifically, the storage unit 120 may store a value evaluation algorithm for principal and interest receivables, and may store a payment module required when trading principal and interest receivables between users.

In addition, the storage unit 120 may store the information of the previously affiliated principal and interest receivable issue companies and registered members of the user information.

In addition, the storage unit 120 may store an issuer authentication algorithm, a block chain key generation module, etc. required to transact principal and interest receivables issued from various companies.

The controller 130 of the present invention may also be referred to as a processor, a controller, a microcontroller, a microprocessor, a microcomputer, or the like. Meanwhile, the control unit may be implemented by hardware, firmware, software, or a combination thereof.

In the case of implementation by firmware or software, an embodiment of the present invention may be implemented in the form of a module, procedure, function, etc. that perform the functions or operations described above. The software code may be stored in the memory and driven by the control unit. The memory may be located inside or outside the user terminal and the server, and data may be exchanged with the controller by various known means.

The controller 130 according to an embodiment of the present invention may perform a series of operations required for the issuing entity to transact various principal and interest receivables on the same platform.

Specifically, the control unit 130 according to an embodiment of the present invention may include a transaction asset authentication unit 131, a block chain management unit 132, and a transaction support unit 133. Through each of these components, the control unit 130 confirms the asset value of the principal and interest receivables as the transaction target, certifies the suitability as the transaction target, and a private block for the product (principal and principal receivable) whose suitability as the transaction target is verified Chain-based management operation and actual transaction operation of the transaction target (principal and principal receivables) can be performed.

Among the components of the control unit 130, the transaction asset authentication unit 131 will be described first.

The transaction asset authentication unit 131 may determine the suitability of an asset to be transacted by the user, and may perform an operation of authenticating the asset as a tradable asset as the verification is completed. In this case, the assets that can be traded on the integrated trading platform according to an embodiment of the present invention may refer to various types of digital financial assets. Preferably, the assets traded on the integrated trading platform according to the embodiment of the present invention may mean the principal and interest receivables granted to the P2P financial investor.

When the validity of the transaction asset is verified, the transaction asset authentication unit 131 may perform an approval operation to enable a transaction in the integrated transaction platform of the present invention with respect to the transaction asset (principal and interest receivable right). For example, when determining the validity of the transaction, the transaction asset authenticator 131 may check items such as whether the financial asset requested for the transaction (the right to receive principal and interest) is forged or falsified, whether the repayment date has expired, or the like. The transaction asset authenticator 131 may determine whether the asset is forgery or not, and if it is determined that there is no abnormality as a result of checking the repayment date of the asset (principal and interest receivable right), it may be determined as a transaction valid asset.

The transaction asset authentication unit 131 further compares the sales amount requested by the first user, the seller, with the expected value, product information related to the asset (principal and interest receivable), and information related to receipt of the issuer, etc., and determines the repayment stability of the asset can be judged

In addition, when various types of transaction asset-related information pass a preset standard, the transaction asset authentication unit 131 may authenticate the transaction asset as a transaction asset and support the transaction on the integrated transaction platform. For example, in the integrated trading platform according to an embodiment of the present invention, only financial assets (principal and interest receivables) that are authenticated as assets for trading may be set to enable registration of products for sale.

The transaction asset verification unit 131 may include an issue entity verification unit 131a, an owner verification unit 131b, and an asset value verification unit 131c.

The transaction asset authenticator 131 may perform an operation for determining the transaction suitability of the corresponding product (principal and interest receivables) when the user intends to register his/her own financial product for sale.

A more detailed description of the transaction asset authentication unit 131 will be described with reference to FIG. 4 .

The block chain management unit 132 may perform private blockchain-based management of principal and interest receivables whose transaction suitability is verified so that transactions on the platform of principal and interest receivables are centrally and safely managed.

Blockchain can be used to record and manage a shared ledger used by multiple people. The blockchain management unit 132 according to an embodiment of the present invention transmits transaction information (owner change information, transaction amount, etc.) of the principal and interest receivables when the principal and interest receivables whose transaction suitability is verified are transacted on the integrated transaction platform. can be recorded in

For reference, the private blockchain used in the embodiment of the present invention is a blockchain in which only authorized entities (institutions) who have legal responsibility create transactions, unlike public blockchains in which anyone can access data and create transactions. network method. Because the target of participating in the blockchain network is clear, there is no need to issue cryptocurrency, an incentive system, because participants who can read, write, and participate in the consensus process are predefined, and new subjects can be added or removed as needed. This method is mainly used by financial institutions.

A private blockchain is a centralized network method, and there are many differences from a public blockchain in that only authorized entities participate in transaction creation. In particular, in a private blockchain, the scope of information sharing can be set, and the existence of an operating entity may mean that anonymity is not guaranteed. This feature makes it possible to reduce the problems caused by anonymity. In addition, since only authorized subjects can participate in the network, the transaction processing speed is faster and the transaction volume that can be processed is significantly higher than the public blockchain method in which transaction details are individually checked by all participants to create blocks There is this.

The block chain management unit 132 may support the transaction history performed through the transaction support unit 133 to be recorded in the ledger through the block chain network. Accordingly, transaction information (eg, ownership transfer history of the same product, etc.) of all assets (principal and interest receivables) transacted through the integrated transaction platform according to an embodiment of the present invention may be recorded in the private blockchain ledger.

As such, the block chain management unit 132 can record transaction information in a block-chain-based public ledger for a transaction of a product whose transaction validity has been determined, and the transaction data of the block chain recorded in this way can check the validity of the transaction at a later time. can be verified to verify.

The transaction support unit 133 may perform various operations related to transacting financial assets (principal and interest receivables) registered as sales products to others on the integrated trading platform.

The transaction support unit 133 may include a transaction condition confirmation unit 133a, a transaction condition adjustment unit 133b, and a transaction execution unit 133c.

A more detailed description of the transaction support unit 133 will be described with reference to FIG. 5 .

4 is a diagram illustrating the configuration of a transaction asset authentication unit according to an embodiment of the present invention.

As shown in FIG. 4 , the transaction asset authentication unit 131 may include an issue entity verification unit 131a, an owner verification unit 131b, and an asset value verification unit 131c.

The issuer confirmation unit 131a may check the issuer of the principal and interest receivables and determine the validity thereof.

Specifically, the issuing entity confirmation unit 131a may determine whether the product is a valid product issued by the financial company that has issued the principal and interest receivables (whether forgery or not). To this end, the issuing entity confirmation unit 131a receives the issuance information including the issuance number of the principal and interest receivables and information on the issuing entity (eg, P2P investment company) from the first user, and the corresponding principal and interest receivables are the corresponding companies You can check whether the issued bonds are correct.

In this way, in order to confirm the issuer of the principal and interest receivables, the issuer confirmation unit 131a transmits the issuance information (issue number, issue subject, etc.) of the principal and interest receivables input by the user from the first user who wants to sell the principal and interest receivables. can be entered directly. Thereafter, the issuing entity confirmation unit 131a transmits the issuance information input from the user to the server of the previously linked company (issuer) side, requests to confirm whether it is a principal and interest receivable issued by the company, and receives principal and interest from the issuing entity server It can be confirmed whether the issue information of the book is a valid value.

Alternatively, the issuing entity confirmation unit 131a may utilize the user's login information. The issuance subject confirmation unit 131a allows the user to log in to the issuer of the principal and interest receivables that the user wants to sell, and obtains the user's investment information confirmed in the log-in state. can be checked.

According to various embodiments, the issuing entity confirmation unit 131a may form an alliance with a plurality of investment companies, and may integrally check information on principal and interest receivables owned by a user who has signed up for a membership. The issuer confirming unit 131a may acquire details of principal and interest receivable rights or investment portfolio information of the corresponding user from a plurality of affiliated investment companies by using the identity authentication information of the user who has signed up as a member. Accordingly, the issuance subject confirmation unit 131a may check the principal and interest receivable rights information and the issuer information held by the user.

The owner confirmation unit 131b may perform a series of operations for confirming information on the seller of the principal and interest receivables.

The owner confirmation unit 131b may inquire a history of illegal transaction attempts (fraud history) of a user who requests a transaction of principal and interest on a trading platform, and inquire whether the user is a bad user. In this case, the owner confirmation unit 131b may determine whether the user is a bad user by inquiring not only the sales of one user but also the fraudulent transaction histories confirmed at the time of purchase.

In addition, the owner confirmation unit 131b may check whether or not the owner information of the right to receive the principal and interest is to be changed. For example, the owner confirmation unit 131b confirms the current owner information of the product, but checks whether there is a pre-sale history for the product, checks the owner change schedule, and sells the principal and interest receivables of the corresponding seller if the product is scheduled for pre-sale Requests can be restricted.

The asset value confirmation unit 131c may perform a series of operations for confirming the asset value of the principal and interest receivables. The asset value check unit 133c may check an investment product corresponding to the principal and interest receivable, and may perform an operation of estimating an amount that the owner can recover later through the product.

Specifically, the asset value confirmation unit 131c may receive asset information of the principal and interest receivables from the first user who wants to sell the principal and interest receivables, and may evaluate the asset value of the principal and interest receivables based on the received asset information. there is.

The asset information of the principal and interest receivables may include information on financial products invested by the principal and interest owner, investment principal, interest rates, repayment period, issuers, and the like. The asset value check unit 131c may numerically evaluate the asset value of the principal and interest receivables based on the asset information of the principal and interest receivables.

According to various embodiments, the asset value confirmation unit 131c may determine the asset value of the principal and interest receivable right by determining the possibility of delinquency when receiving the principal and interest. The asset value confirmation unit 131c may determine the possibility of delinquency of the product to be sold based on delinquency history information for each issuer of principal and interest receivables.

The asset value check unit 131c may evaluate by subtracting the asset value of the product as the value of the delinquency probability of the product (principal and interest receivable) that the first user wants to sell increases. Furthermore, the asset value check unit 131c may limit the transaction of the asset when it is determined that the possibility of delinquency of the product (principal and interest receivables) that the first user wants to sell is greater than or equal to the reference value.

The transaction asset verification unit 131 judges whether the issuer of the product (principal and interest receivable) is clear, the owner's unfair transaction history, periodic payment possibility, etc. And based on this, it is possible to determine whether the transaction is appropriate.

5 is a diagram illustrating a configuration of a transaction support unit according to an embodiment of the present invention.

When a product (principal and interest receivable) is requested to be registered as a sales product, the transaction support unit 133 checks the suitability of the transaction determined by the transaction asset authentication unit 131, and when it is confirmed that the product is certified as a tradable asset, the platform It can be registered as a product for sale in

In addition, the transaction support unit 133 checks whether the transaction conditions of the principal and interest receivables registered as sales products are sufficiently entered, determines whether the entered transaction conditions are suitable for the asset value of the product, and requests purchases from other users As this is received, an operation of selling the corresponding product (principal and principal receivable right) (transferring ownership of the product to the buyer and transferring the payment to the seller) may be performed.

As shown in FIG. 5 , the transaction support unit 133 may include a transaction condition confirmation unit 133a, a transaction condition adjustment unit 133b, and a transaction execution unit 133c.

The transaction condition check unit 133a may check the transaction conditions input by the first user upon a sale request. In this case, as a transaction condition item input by the user who requested the transaction, it may mean the sale price of the principal and interest receivables.

According to various embodiments, the user may input an exchange target in the transaction conditions when requesting a transaction. Accordingly, the transaction conditions may include information on the price of principal and interest receivables or exchangeable principal and interest receivables. In addition, various types of products for which asset values can be set may be registered in the transaction conditions.

According to various embodiments, the first user who wants to sell principal and interest receivables may request a transaction for the purpose of changing the principal and interest receivables owned by him/her to another type of financial product. As such, when the first user requests to transact the principal and interest receivables owned by the first user, the transaction condition confirmation unit 133a returns the transaction suitability of the principal and interest receivables and the certified asset value to the transaction asset verification unit 131 (asset value verification unit 131c). ) to check the information. The value information of the principal and interest receivables calculated by the transaction asset authentication unit 131 may be included in the transaction condition item and provided to the second user who wants to purchase it.

In addition, when the first user wants to exchange principal and interest receivables issued by one company for principal and interest receivables issued by another company, the first user may request a transaction by including this information in the transaction condition item.

The transaction condition check unit 133a reads various types of transaction conditions registered when the first user requests a transaction as described above, and when it is determined that the input of transaction condition information is insufficient, the first user device to additionally input the corresponding information 201 may be requested.

Also, as described above, when it is determined that the input of the transaction conditions is insufficient, the transaction condition check unit 133a may acquire information on the value of the corresponding asset calculated by the transaction asset authenticator 131 .

The transaction condition adjustment unit 133b adjusts the transaction conditions when it is determined that the transaction conditions (sales conditions) input by the first user show a difference between the value calculated by the transaction asset authentication unit 131 and the standard value or more with respect to the principal and interest receivables You can request the first user to do so. For example, when the first user registers as a transaction product to sell principal and interest receivables, the transaction conditions (the amount to be sold) are entered higher than the standard value compared to the principal and interest and the possibility of delinquency that will be reimbursed later in the actual principal and interest receivables. In this case, the transaction condition adjustment unit 133b may request the first user to re-enter the transaction conditions in order to prevent an unfair transaction from being made.

In addition, the transaction condition adjusting unit 133b may guide the exchangeable range to the transaction participants in the case where the principal and interest receivables are to be traded with other types of principal and interest receivables other than cash.

According to an embodiment, when the first user requests to exchange principal and interest receivables for another product (principal and principal receivables), the required transaction conditions include repayment period, interest rate information (range of change of interest rate, average value of interest rate), principal , the issuing entity (company), and the field of investment products (eg, real collateral, trade receivables, institutional investment, etc.). The first user may select and register only some of the above-mentioned transaction conditions as a transaction condition for exchanging for another product. For example, the first user may wish to exchange for another product that is the same as the principal and interest receivable, principal, interest rate information, and investment product that he wants to sell, but differs only in the redemption institution and issuing entity. In this case, when the first user requests a transaction, only matters corresponding to the redemption institution and the issuing entity may be entered as the transaction conditions.

The transaction condition adjustment unit 133b may determine whether the product according to the transaction condition registered by the first user has an equal value of the product that the first user intends to trade.

The transaction condition adjustment unit 133b may request adjustment of the transaction condition input value when it is determined that there is a difference between the value of the product the first user (seller) wants to sell and the product desired to be obtained by more than a reference value. Alternatively, when it is determined that the difference in value between the products to be exchanged is equal to or greater than the reference value, the transaction condition adjustment unit 133b may propose an amount of cash to be additionally paid by the other party determined to have a lower value than the one party. For example, the transaction condition adjustment unit 133b is configured so that when a user intends to trade principal and interest receivables corresponding to the value of 10 million won with principal and interest receivables valued at 5 million won, 5 million won, which is the difference in value between the two parties, can be additionally transacted. It may induce changes in trading conditions. Accordingly, when the transaction is made by exchanging products, the transaction condition adjustment unit 133b may support the exchange of values of the same level.

The transaction execution unit 133c confirms a purchase request signal of a second user who wants to purchase a product (principal and interest receivable) registered as a sale product, and determines that the second user has confirmed and agreed to the transaction conditions for the product After that, you can proceed with the transaction for the product. In this case, the transaction of principal and interest receivables may include a transaction of exchanging one principal and interest receivables for another type of principal and interest receivables, in addition to a transaction of exchanging principal and interest receivables for cash.

According to various embodiments, when exchanging one principal and interest receivable for another type of principal and interest receivable, the transaction execution unit 133c searches for a principal and interest receivable corresponding to the transaction condition desired by the first user, and converts it into a transaction product. can present

In addition, the transaction performing unit 133c may perform an operation of transferring ownership to a second user who wants to purchase the product and paying the sale price from the second user when a product (principal and interest receivable) registered by one user is transacted. there is. In addition, when a transaction is made, the transaction execution unit 133c may provide transaction-related information such as ownership transfer information and payment amount information to the block chain management unit 132 . Thereafter, the block chain management unit 132 may record transaction related information in the block chain transaction.

In addition, the transaction execution unit 133c may check previous transaction information for a product that has been verified and managed through the block chain, and may perform a transaction with another user based thereon.

In short, the integrated transaction system according to an embodiment of the present invention is composed of a server and a user device, wherein the user device purchases a first user device that requests the sale of pre-owned principal and interest receivables and the principal and interest receivables registered for sale and a second user device making a request, wherein the server authenticates the transaction suitability for the principal and interest receivables when a sale request for the principal and interest receivables owned by the user is received from the first user device, and the transaction suitability is authenticated. Register the principal and interest receivables for sale on the trading platform, and upon receiving a purchase request for the principal and interest receivables registered on the trading platform from the second user device, payment and ownership transfer of the principal and interest receivables can be performed there is.

At this time, the server may be configured to include a transaction asset authentication unit that performs an operation of authenticating as a tradable asset by determining the suitability of a transaction of the principal and interest receivable that the user wants to transact.

Specifically, the transaction asset authentication unit obtains issuance information including the issuer of principal and interest receivables and the issuance number of principal and interest receivables that the user wants to register on the trading platform and transact, and the obtained issuance information is a valid asset that is not forged or forged. The issuer confirmation unit that judges the suitability of the transaction by checking whether or not it is recognized It may include an owner confirmation unit that determines the suitability of the product for trading. And the transaction asset authentication unit receives the asset information of the principal and interest receivables from the user who wants to sell the principal and interest receivables and evaluates the value of the principal and interest receivables numerically, and the asset information of the principal and interest receivables is the investment principal, interest rate, It includes information on the repayment period and issuer, and determines the possibility of delinquency of the product based on the delinquency history information for each issuer of the principal and interest receivables, and decreases the asset value of the product as the delinquency probability increases. It may include an asset value confirmation unit to be evaluated.

The server performs block chain-based management of principal and interest receivables certified for transaction suitability, and when the principal and interest receivables certified for transaction suitability are sold on the trading platform, information on changing the owner of the principal and interest receivables and the transaction price It may include a block chain management unit that records transaction information including information in a block chain transaction corresponding to the principal and interest receivables.

When the principal and interest receivables are requested to be sold by the first user, the server checks the transaction suitability of the principal and interest receivables and registers them as sales products on the trading platform. It may include a transaction support unit for providing the first user by paying an amount corresponding to the condition, and providing the second user with ownership of the principal and interest receivables.

In addition, the transaction support unit acquires and confirms transaction conditions including sales price information and exchange target information of principal and interest receivables registered in the trading platform for sale from the first user device side, and a transaction condition confirmation unit to confirm, principal and interest to be repaid later Comparing the value of the principal and interest receivables calculated based on the amount and the possibility of delinquency and the transaction conditions input from the first user device side, if it is determined that there is a difference by more than a standard value, request the first user device to adjust the transaction conditions Upon confirmation of the purchase request for the principal and interest receivables from the transaction condition adjustment unit and the second user's device, the second user provides the transaction price of the principal and interest receivables to the first user, and receives the principal and interest from the first user It may include a transaction execution unit that performs a transaction operation to change the ownership of the book to the second user.

Although the present invention has been described in detail with reference to the above-described examples, those skilled in the art can make modifications, changes, and modifications to these examples without departing from the scope of the present invention. In short, in order to achieve the intended effect of the present invention, it is not necessary to separately include all the functional blocks shown in the drawings or follow all the orders shown in the drawings. Note that it may fall within the scope.

100 : server
110: communication department
120: storage
130: control unit
131: transaction asset authentication unit
131a: Issuer Confirmation Department
131b: Owner Verification Unit
131c: Asset Value Verification Department
132: block chain management unit
133: Transaction Support Department
133a: Transaction condition confirmation unit
133b: Trade Terms Adjustment Department
133c: Transaction Execution Department

Claims (7)

In the integrated transaction system consisting of a server and user equipment,
The user device is
A first user device that requests the sale of the principal and interest receivables previously owned and a second user device that requests the purchase of the principal and interest receivables registered for sale;
the server is
When a request for sale of the principal and interest receivables owned by the user is received from the first user device, the transaction suitability for the principal and interest receivables is authenticated, and the principal and interest receivables whose transaction suitability is verified for sale are registered on the trading platform, the An integrated transaction system for principal and interest receivables, characterized in that upon receiving a purchase request for principal and interest receivables registered in the trading platform from the second user device, settlement of the sale amount of the principal and interest receivables and transfer of ownership are performed. 2. The method of claim 1
the server is
An integrated transaction system for principal and interest receivables, comprising: a transaction asset authentication unit that determines the transaction suitability of the principal and interest receivables that the user wants to trade and authenticates them as tradable assets. 3. The method of claim 2,
The transaction asset authentication unit
Transaction through the acquisition of issuance information including the issuer of principal and interest receivables and the issuer number of principal and interest receivables that the user wants to trade by registering on the trading platform, and checking whether the obtained issuance information is a valid asset that has not been forged or forged an issuer confirmation unit that judges suitability;
An owner confirmation unit that inquires the history of fraudulent transaction attempts of a user who requests the sale of principal and interest receivables and determines whether the user is a bad user with a history of fraudulent transaction attempts to determine the suitability of the product for transaction; An integrated trading system of principal and interest receivables. 3. The method of claim 2
The transaction asset authentication unit
Receive the asset information of the principal and interest receivables from the user who wants to sell the principal and interest receivables and evaluate the value of the principal and interest receivables numerically,
The asset information of the principal and interest receivable includes information on the investment principal, interest rate, repayment period and issuer,
An asset value confirmation unit that judges the possibility of delinquency of the product based on the delinquency history information for each issuer of the principal and interest receivables already held, and decreases the asset value of the product as the delinquency probability value increases. An integrated trading system of principal and interest receivables. The method of claim 1,
the server is
Blockchain-based management of principal and interest receivables certified for transaction suitability is performed, and when principal and interest receivables certified for transaction suitability are sold on the trading platform, the An integrated transaction system of principal and interest receivables comprising a; a block chain management unit that records transaction information in a block chain transaction corresponding to the principal and interest receivables. The method of claim 1,
the server is
When the principal and interest receivables are requested to be sold by the first user, the transaction suitability of the principal and interest receivables is checked and registered as a sale product on the trading platform. The integrated transaction system of principal and interest receivables, comprising a; a transaction support unit that pays the amount to be paid and provides to the first user, and provides ownership of the principal and interest receivables to the second user. 7. The method of claim 6,
The transaction support department
a transaction condition confirmation unit for obtaining and confirming transaction conditions including sale price information and exchange target information of principal and interest receivables registered in a transaction platform for sale from the first user device side;
When it is determined that there is a difference by more than a standard value by comparing the value of the principal and interest receivables calculated based on the amount of principal and interest to be repaid later and the possibility of delinquency with the transaction conditions input from the first user device side, the transaction conditions on the first user device side The transaction terms and conditions mediation department to request the adjustment of; and
As the purchase request for the principal and interest receivables is confirmed from the second user's device side, the transaction price of the principal and interest receivables is provided from the second user side to the first user side, and the ownership of the principal and interest receivables of the first user is recalled An integrated transaction system for principal and interest receivables comprising a; a transaction execution unit that performs a transaction operation to change to a second user side.

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