KR20220049753A - System for loaning combined cryptocurrency - Google Patents

Abstract

According to the present invention, a loan system combined with customer cryptocurrency comprises: a customer terminal which transmits a loan application signal together with loan applicant information and loan application information; and a loan platform server which receives the loan application signal, sets cryptocurrency payment ratio information representing the ratio between the payment cryptocurrency amount information of payment cryptocurrency to be paid to a customer who applied for a loan and application loan amount information included in the loan application information, calculates payment loan amount information and the payment cryptocurrency amount information based on the loan applicant information, the application loan amount information, and the cryptocurrency payment ratio information, transmits, to a blockchain network, a first transfer request signal for requesting transfer of the payment cryptocurrency, corresponding to the payment cryptocurrency amount information, from a loan platform account to a customer account, and transmits, to a financial server, a second transfer request signal for requesting transfer of the loan, corresponding to the payment loan amount information, from the loan platform account to the customer account. Therefore, the loan system can provide business funds to the customer by providing the cryptocurrency as well as the loan to the customer who applied for the loan without collateral.

Description

{System for loaning combined cryptocurrency}

The present invention relates to a loan system combined with customer cryptocurrency, and more particularly, to a loan system combined with customer cryptocurrency that provides not only a loan amount but also cryptocurrency to a customer who applied for a loan without collateral.

In order to solve the inconvenience of offline methods in which borrowers visit a lending institution to apply for a loan and receive a loan, a loan service using a computer communication network is being actively performed. When a borrower receives a loan application online, the credit inquiry of the received borrower is automatically performed, and the loan amount and interest rate are calculated according to the evaluation result according to the borrower's credit inquiry, and loan service can be provided based on this. did it

However, the existing online loan system requires an average of 2.5 credit inquiries to receive a loan from one financial institution, and it is impossible to determine whether a single loan is available before a credit inquiry. In addition, in the case of credit inquiry, there is a time loss due to the complicated identity verification process, and there are concerns about security problems regarding personal information leakage due to a large number of credit inquiries. In addition, it is virtually difficult for the borrower to select the correct lending institution that matches his or her credit status by comparing the loan information of various lenders.

And although it is possible to conduct a credit inquiry at any lending institution based only on the borrower's basic personal information, if you apply for a credit inquiry at the lender you want, your application for a credit inquiry is often rejected. The reality is that we are struggling to find

As described above, a reverse auction-type loan system is being implemented in order to improve the inconvenience and inconvenience of a borrower who directly performs all processes from applying for a loan to receiving a service. In the reverse auction-type loan system, borrowers' loan application information is announced on the website, and multiple lending institutions participate in the auction. Accordingly, the borrower can be provided with a loan service from a lender who has offered a desired condition among a plurality of lenders.

However, since the existing reverse auction-type loan system is activated by the participation of lenders who satisfy the borrower's loan application conditions, there is a limitation in that a certain amount of time must elapse before the auction proceeds when the appropriate number of borrowers and lenders is maintained. .

In addition, since many lending institutions offer loan information with similar conditions (interest rate, loan limit, etc.), it is difficult for borrowers to find the right loan conditions for them, and there is a problem that it is easy to become a victim of collusion.

In addition, recently, as loan-related homepages are crowded, there is confusion in the selection of borrowers, and there are disadvantages that a lot of time, effort, and information are required to select the optimal loan information.

Korean Patent Registration No. 10-1694363

An object of the present invention is to provide a loan system combined with a customer cryptocurrency that provides not only a loan amount without collateral to a customer who has applied for a loan, but also cryptocurrency, and allows the customer to use the cryptocurrency in commerce with customers.

The objects of the present invention are not limited to the objects mentioned above, and other objects and advantages of the present invention not mentioned may be understood by the following description, and will be more clearly understood by the examples of the present invention. It will also be readily apparent that the objects and advantages of the present invention may be realized by the means and combinations thereof indicated in the appended claims.

Loan system combined with customer cryptocurrencies according to the present invention for solving the above technical problem is a customer terminal for transmitting a loan application signal together with loan applicant information and loan application information; and receiving the loan application signal, and setting cryptocurrency payment rate information indicating the ratio between the payment cryptocurrency amount information of the payment cryptocurrency to be paid to the customer who applied for the loan and the requested loan amount information included in the loan application information, , calculate the payment loan amount information and the payment cryptocurrency amount information based on the loan applicant information, the applied loan amount information, and the cryptocurrency payment rate information, and calculate the payment cryptocurrency corresponding to the payment cryptocurrency amount information Transmitting a first transfer request signal to request a transfer from a loan platform account to a customer account, and a second transfer request signal requesting transfer of a loan amount corresponding to the payment loan amount information from the loan platform account to the customer account It may include a; loan platform server that transmits to the server.

Preferably, when a transaction between the customer and the consumer occurs, the customer terminal may transmit a proxy payment request signal to the proxy payment server to make a proxy payment for the transaction price and request a transfer of the transaction price to the loan platform account. there is.

Preferably, the loan platform server calculates the total transaction amount information of the transaction price transferred to the loan platform account, and the total transaction amount information is the principal and interest amount information obtained by adding the requested loan amount information and the loan interest amount information If it is determined that the amount exceeds the information, a third transfer request signal for requesting to transfer the transaction amount exceeding the principal and interest amount information from the loan platform account to the customer account may be transmitted to the financial server.

Preferably, the loan platform server generates loan suitability information based on the loan applicant information, checks loan interest rate information corresponding to the loan suitability information, and receives the cryptocurrency payment rate information based on the loan interest rate information can be set.

Preferably, the loan platform server calculates loan interest amount information based on the loan interest rate information, the requested loan amount information, and loan period information included in the loan application information, and pays the cryptocurrency to the requested loan amount information The cryptocurrency payment rate information may be set so that a result of applying the rate information is less than the loan interest amount information.

Preferably, the loan platform server calculates the payment cryptocurrency amount information by applying the cryptocurrency payment rate information to the requested loan amount information, determines whether the loan suitability information is equal to or more than a standard suitability, and the determination result It is possible to calculate the payment loan amount information based on the.

Preferably, the loan platform server calculates the requested loan amount information as the payment loan amount information if the loan suitability information is equal to or greater than the standard fit, and if the loan suitability information is less than the standard fit, from the applied loan amount information By subtracting the payment cryptocurrency amount information, it can be calculated as the payment loan amount information.

According to the present invention, by providing not only the loan amount without collateral to the customer who applied for the loan but also cryptocurrency, business money can be provided to the customer, and the business can be activated by using the cryptocurrency in the transaction with the consumer.

1 is a diagram illustrating a configuration connected to a loan system in which customer cryptocurrency is combined and a loan system in which customer cryptocurrency is combined according to various embodiments of the present invention.
2 is a view for explaining a loan process of a loan system combined with customer cryptocurrencies according to an embodiment of the present invention.
3 is a view for explaining a loan repayment process of a loan system combined with customer cryptocurrencies according to an embodiment of the present invention.
4 is a view for explaining a cryptocurrency utilization process of a loan system combined with customer cryptocurrency according to an embodiment of the present invention.

Hereinafter, various embodiments of the present invention will be described with reference to the accompanying drawings. However, this is not intended to limit the present invention to specific embodiments, and should be understood to include various modifications, equivalents, and/or alternatives of the embodiments of the present invention. In connection with the description of the drawings, like reference numerals may be used for like elements.

In this document, expressions such as "have", "may have", "includes", or "may include" refer to the presence of a corresponding characteristic (eg, a numerical value, function, operation, or component such as a part). and does not exclude the presence of additional features.

In this document, expressions such as “A or B”, “at least one of A or/and B”, or “one or more of A or/and B” may include all possible combinations of the items listed together. . For example, "A or B", "at least one of A and B", or "at least one of A or B" means (1) includes at least one A, (2) includes at least one B; Or (3) it may refer to all cases including both at least one A and at least one B.

Expressions such as "first", "second", "first", or "second" used in this document can modify various elements, regardless of order and/or importance, and It is used only to distinguish it from other components, and does not limit the components. For example, the first user equipment and the second user equipment may represent different user equipment regardless of order or importance. For example, without departing from the scope of the rights described in this document, a first component may be referred to as a second component, and similarly, the second component may also be renamed as a first component.

A component (eg, a first component) is "coupled with/to (operatively or communicatively)" to another component (eg, a second component); When referring to "connected to", it will be understood that the certain element may be directly connected to the other element or may be connected through another element (eg, a third element). On the other hand, when it is said that a component (eg, a first component) is "directly connected" or "directly connected" to another component (eg, a second component), the component and the It may be understood that other components (eg, a third component) do not exist between other components.

The expression “configured to (or configured to)” as used in this document, depending on the context, for example, “suitable for”, “having the capacity to )", "designed to", "adapted to", "made to", or "capable of" . The term "configured (or set up to)" may not necessarily mean only "specifically designed to" in hardware. Instead, in some circumstances, the expression “a device configured to” may mean that the device is “capable of” with other devices or parts. For example, the phrase “a control unit configured (or configured to perform) A, B, and C” may refer to a dedicated processor (eg, an embedded processor), or one or more software programs stored in memory, to perform the corresponding operations. , may refer to a generic-purpose processor (eg, a CPU or an application processor) capable of performing corresponding operations.

Terms used in this document are only used to describe specific embodiments, and may not be intended to limit the scope of other embodiments. The singular expression may include the plural expression unless the context clearly dictates otherwise. Terms used herein, including technical or scientific terms, may have the same meanings as commonly understood by one of ordinary skill in the art described in this document. Among the terms used in this document, terms defined in a general dictionary may be interpreted with the same or similar meaning as the meaning in the context of the related art, and unless explicitly defined in this document, have an ideal or excessively formal meaning. not interpreted In some cases, even terms defined in this document cannot be construed to exclude embodiments of this document.

1 is a diagram illustrating a configuration connected to a loan system 10 in which customer cryptocurrency is combined and a loan system 10 in which customer cryptocurrency is combined according to various embodiments of the present invention, and FIG. 2 is an embodiment of the present invention. It is a view for explaining a loan process of the loan system 10 combined with customer cryptocurrency according to an embodiment, and FIG. 3 is a loan repayment of the loan system 10 combined with customer cryptocurrency according to an embodiment of the present invention. It is a view for explaining a process, and FIG. 4 is a view for explaining a process of using cryptocurrency of the loan system 10 combined with customer cryptocurrency according to an embodiment of the present invention.

1 to 4 , the loan system 10 to which the customer cryptocurrency is combined may include a customer terminal 100 and a loan platform server 200 .

The customer terminal 100 may be a terminal operated and controlled by a customer who applies for a loan to a loan platform.

The customer terminal 100 may communicate with the loan platform server 200 to request the customer to join the loan platform and apply for a loan. Here, the customer may be a small business that performs a transaction with the consumer.

To this end, the customer terminal 100 may receive loan applicant information, loan application information, and loan application request from the customer, and transmit a loan application signal together with the loan applicant information and loan application information to the loan platform server 200 . .

Here, the loan applicant information may be information related to the customer's commerce activity. For example, the loan applicant information includes company name information, representative name information, business registration number information, corporate registration number information, sales information, debt information, and credit rating information. may include In this case, the credit rating information may be input by the customer, or the loan platform server 200 may be obtained by requesting an inquiry to a credit rating server (not shown) of a credit rating agency based on the loan applicant information from which the credit rating information is excluded. .

Meanwhile, the loan application information may be information related to a loan, and may include requested loan amount information, loan period information, and loan execution date information.

When a transaction between a customer and a consumer occurs, the customer terminal 100 may communicate with the proxy payment server 1 to request a proxy payment.

Here, the proxy payment server 1 may be any one server of a VAN company, a credit card company, and a simple payment company that can pay on behalf of the transaction amount generated between the customer and the consumer.

Specifically, the customer terminal 100 transfers the loan amount corresponding to the loan amount information paid from the loan platform account to the customer account, and then, when a transaction between the customer and the consumer occurs, the transaction price of the transaction is paid on behalf of the loan platform A proxy payment request signal for requesting a transfer to an account may be transmitted to the proxy payment server 1 . Here, the account may mean an account opened in a bank.

On the other hand, the customer terminal 100 performs communication with the blockchain network 2 when a transaction between the customer and the consumer occurs after the loan corresponding to the loan amount information paid is transferred from the loan platform account to the customer account by performing communication with the customer account. You can request a point cryptocurrency transfer to your consumer account. Here, the account may refer to an account created from the blockchain network 2 in connection with cryptocurrency.

Specifically, the customer terminal 100 calculates the point cryptocurrency amount information of the point cryptocurrency by applying the cryptocurrency payment rate information to the transaction price amount information of the transaction price, and selects the point cryptocurrency corresponding to the point cryptocurrency amount information. A fourth transfer request signal for requesting a transfer from the customer account to the consumer account may be transmitted to the blockchain network 2 .

That is, the customer terminal 100 transmits the cryptocurrency payment ratio information, which is the ratio between the payment loan amount information of the loan paid to the customer on the loan platform, and the current cryptocurrency amount information of the payment cryptocurrency paid together with the loan amount, the huge amount of the transaction price. By applying to the amount information, it is possible to calculate the point cryptocurrency amount information of the point cryptocurrency.

Through this, the customer can provide the consumer with the point cryptocurrency as much as the ratio indicated by the cryptocurrency payment rate information in the transaction price. Accordingly, the customer can facilitate the follow-up transaction by paying the consumer with the point cryptocurrency in addition to the transaction price in the name of the point.

At this time, the customer terminal 100 uses the information on the payment amount of the loan transferred from the loan platform account to the customer account and the payment information of the cryptocurrency payment transferred from the loan platform account to the customer account. , or may receive cryptocurrency payment rate information from the loan platform server 200 .

On the other hand, the customer terminal 100 may transmit a point cryptocurrency payment request signal including transaction information to the consumer terminal 3 when the consumer who has the point cryptocurrency wants to pay the transaction price with the point cryptocurrency.

Thereafter, the consumer terminal 3 may transmit to the blockchain network 2 a fifth transfer request signal requesting to transfer the point cryptocurrency corresponding to the transaction amount information of the transaction amount from the consumer account to the customer account.

Through this, the consumer can pay the transaction price using the point cryptocurrency received by paying the transaction price of the previous transaction.

In the present invention, the transfer of cryptocurrency is performed by the first object requesting the transfer of cryptocurrency (customer terminal 100, loan platform server 200, consumer terminal 3) to generate a transaction to block chain network 2 sending, the blockchain network 2 can be approved based on whether the transaction is validated or not.

Here, the block chain network 2 may be a P2P structure network composed of a plurality of block chain nodes N operating according to a block chain algorithm.

Here, the blockchain node N may refer to a computing node that constitutes the blockchain network 2 and maintains and manages blockchain data based on the blockchain algorithm. Specifically, the block chain node (N) checks the validity of the received transaction based on the block chain algorithm, and when the validity is confirmed, a block creation operation according to the block chain algorithm is performed to create a new block including the transaction. there is. Thereafter, the block chain node (N) can create new block chain data by linking the new block with the existing block chain data. When the validity of the transaction is confirmed from the block chain nodes (N) above a preset ratio among the block chain nodes (N), the block chain network 2 can transmit an approval signal to approve the transfer of cryptocurrency to the first object. .

Here, the block chain data is data maintained by each block chain node (N) constituting the block chain network 2, and may refer to data in which at least one block is configured in a chain-type data structure. In the present invention, since a block includes a transaction, blockchain data can be used as a distributed ledger.

On the other hand, the cryptocurrency in the present invention may refer to electronic money that is traded online without the real thing. Such cryptocurrencies refer to electronic money issued through mining on a block chain, such as Bitcoin, and may be used interchangeably with terms such as native assets in the technical field.

Preferably, the cryptocurrency according to the present invention may be a user-defined currency defined by the user based on the aforementioned electronic money. Here, the user-defined currency may be a currency defined by an operator of a transaction service using an open asset protocol.

In the present invention, the cryptocurrency may be at least one of Mobi Dollar and Mobi Coin.

Meanwhile, the customer terminal 100 may be any one of a tablet, a smart phone, a notebook computer, a wearable device, and a PDA capable of universal communication.

Here, general-purpose communication is communication using the Internet network, or as a cellular communication protocol, for example, LTE (Long-Term Evolution), LTE-A (LTE Advanced), CDMA (Code Division Multiple Access), WCDMA (Wideband CDMA), At least one of Universal Mobile Telecommunications System (UMTS), Wireless Broadband (WiBro), and Global System for Mobile Communications (GSM) may be used.

The customer terminal 100 may include a general-purpose communication module for performing general-purpose communication.

In addition, the customer terminal 100 may include a control unit, and the control unit is implemented as one or more of a central processing unit (CPU), an application processor (AP), and a communication processor (CP). The control unit may, for example, execute an operation or data processing related to control and/or communication of at least one other component of the customer terminal 100 .

In addition, the customer terminal 100 may include a storage unit for storing the operation program programmed to be controlled by the control unit, the storage unit may include a non-volatile memory and a volatile memory, the operation program is stored in the non-volatile memory and can be loaded into volatile memory and operated.

When the loan platform server 200 receives the loan application signal from the customer terminal 100, the ratio between the payment cryptocurrency amount information of the payment cryptocurrency to be paid to the customer who applied for the loan and the requested loan amount information included in the loan application information You can set cryptocurrency payment rate information indicating

Specifically, the loan platform server 200 generates loan suitability information based on the loan applicant information received along with the loan application signal, checks the loan interest rate information corresponding to the loan suitability information, and encrypts the loan based on the loan interest rate information. You can set the money payment rate information.

Here, the loan suitability information may be information indicating the loan suitability of a customer who applied for a loan, and may be information serving as a criterion for determining the customer's loan interest rate. In addition, the loan suitability information includes whether to loan the customer the same amount as the applied loan amount indicated by the requested loan amount information, and whether to borrow an amount excluding the amount indicated by the payment cryptocurrency amount information from the requested loan amount indicated by the requested loan amount information It may be information that is a criterion for determining

At this time, the loan platform server 200 checks which section of each of the sales information, debt amount information, and credit rating information included in the loan applicant information is included in a plurality of sales section, a plurality of debt amount section, and a plurality of credit rating sections, Loan suitability information may be generated by checking the detailed loan suitability matched to each of the sales section, the plurality of debt amount sections, and the plurality of credit rating sections, and summing the confirmed detailed loan suitability. Here, the higher the sales amount indicated by the sales information, the higher the detailed loan suitability can be confirmed. can be confirmed.

Meanwhile, the loan platform server 200 may calculate a sales increase/decrease rate from the sales information included in the loan applicant information, and correct the detailed loan suitability checked from the sales information based on the calculated sales increase/decrease ratio.

Specifically, the loan platform server 200 may calculate a sales increase/decrease rate from sales information from the time the customer applies for a loan to a preset period before. Thereafter, the loan platform server 200 corrects the detailed loan suitability confirmed from the sales information to be higher as the calculated sales increase/decrease rate is greater than 0, and lowers the detailed loan suitability confirmed from the sales information as the calculated sales increase/decrease rate is less than 0. If the calculated sales increase/decrease rate is 0, the detailed loan suitability confirmed from the sales information may not be corrected.

Through this, the Daepool platform server 200 may determine the suitability of the loan by reflecting not only the size of the sales indicated by the customer's sales information, but also the sales increase/decrease rate indicating the sales expected after the loan is executed.

Thereafter, the loan platform server 200 may check loan interest rate information matched to the loan suitability information. In this case, the loan interest rate information may be matched in advance according to the loan suitability information, and as the loan suitability indicated by the loan suitability information is higher, the loan interest rate information indicating a lower loan interest rate may be confirmed.

That is, the loan platform server 200 may check a lower loan interest rate as the customer's loan interest rate information as the amount of sales increases, the amount of debt decreases, and the credit rating increases.

Meanwhile, the loan platform server 200 may correct the requested loan amount information based on the loan suitability information. Specifically, the loan platform server 200 may check loan limit information matched to the loan suitability information. In this case, the loan amount limit information may be matched in advance according to the loan suitability information, and as the loan suitability indicated by the loan suitability information is higher, the loan amount limit information indicating a higher loan amount limit may be confirmed.

The loan platform server 200 compares the loan amount limit indicated by the loan amount limit information confirmed from the loan suitability information and the applied loan amount indicated by the requested loan amount information, and corrects the requested loan amount information based on the comparison result. .

Specifically, the loan platform server 200 corrects the requested loan amount information so that the applied loan amount is the same as the loan amount when the applied loan amount exceeds the loan limit, and, conversely, if the requested loan amount is less than the loan amount, the requested loan amount information may not be corrected.

The loan platform server 200 calculates the loan interest amount information based on the loan interest rate information, the applied loan amount information, and the loan period information included in the loan application information, and applies the cryptocurrency payment rate information to the requested loan amount information. You can set the cryptocurrency payment rate information to be less than this loan interest amount information. Here, the result of applying the cryptocurrency payment rate information to the requested loan amount information may be a value calculated by multiplying the requested loan amount information by the cryptocurrency payment rate information.

In other words, when the customer borrows a loan corresponding to the loan amount applied by the loan platform server 200, the cryptocurrency payment ratio information is provided so as to provide the customer with a payment cryptocurrency corresponding to an amount less than the loan interest paid to the loan platform. can be set.

Thereafter, the loan platform server 200 may calculate the payment loan amount information and the payment cryptocurrency amount information based on the loan applicant information, the requested loan amount information, and the cryptocurrency payment rate information.

Specifically, the loan platform server 200 calculates payment cryptocurrency amount information by applying the cryptocurrency payment rate information to the requested loan amount information, determines whether the loan suitability information is equal to or greater than the standard suitability, and based on the determination result It is possible to calculate payment loan amount information. Here, the payment cryptocurrency amount information may be calculated by multiplying the application loan amount information by the cryptocurrency payment rate information.

The loan platform server 200 calculates the requested loan amount information as payment loan amount information if the loan suitability information is above the standard fitness level, and if the loan suitability information is less than the standard fitness level, the payment cryptocurrency amount information is subtracted from the applied loan amount information It can be calculated from loan amount information.

That is, if the loan suitability information is equal to or greater than the standard suitability, the loan platform server 200 may calculate the same amount as the requested loan amount indicated by the requested loan amount information as the payment loan amount indicated by the paid loan amount information.

Conversely, if the loan suitability information is less than the standard suitability, the loan platform server 200 pays the same amount as the amount obtained by subtracting the paid cryptocurrency amount indicated by the paid cryptocurrency amount information from the requested loan amount indicated by the requested loan amount information. It can be calculated from the loan amount to be paid.

Through this, the loan platform server 200 provides the payment cryptocurrency to the customer so that the payment cryptocurrency amount information of the payment cryptocurrency paid to the customer who applied for the loan is less than the loan interest amount information, which is the profit of the loan platform due to the loan By doing so, the profits of the lending platform can be guaranteed.

In the present invention, the payment cryptocurrency amount information may be information to which the exchange rate between the cryptocurrency and real money used in the loan platform is applied.

After the loan platform server 200 calculates the payment cryptocurrency amount information and payment cryptocurrency amount information, the first transfer request signal to request transfer of the payment cryptocurrency corresponding to the payment cryptocurrency amount information from the loan platform account to the customer account can be transmitted to the blockchain network 2, and a second transfer request signal requesting to transfer the loan amount corresponding to the payment loan amount information from the loan platform account to the customer account to the financial server 4 can be transmitted.

Here, the financial server 4 may be a server operated by a financial institution or a MobiCoins wallet (MobiCoin network that manages MobiCoin), and when the financial server 4 is a server operated by a financial institution, a financial institution may be a bank.

Through this, when a customer applies for a loan on a loan platform, he or she can receive payment in cryptocurrency along with the loan amount. After that, when a transaction with the consumer occurs, the customer can repay the loan with the transaction price and pay the consumer with point cryptocurrency as points.

When a transaction between a customer and a consumer occurs and the transaction amount is transferred to the loan platform account, the loan platform server 200 calculates the total transaction amount information of the previously transferred transaction amount, and the total transaction amount information is the requested loan amount information And if it is determined that the sum of the principal and interest amount information is exceeded, the third transfer request signal is sent to the financial server 4 to request the transfer of the transaction amount exceeding the principal and interest amount information from the loan platform account to the customer account can do.

That is, if the loan platform server 200 exceeds the principal and interest amount obtained by adding the total amount of the transaction amount transferred to the loan platform account to the amount indicated by the loan amount information and the amount indicated by the loan interest amount information, not the amount actually paid. A third transfer request signal for requesting to transfer the excess amount from the loan platform account to the customer account may be transmitted to the financial server 4 .

Meanwhile, the loan platform server 200 may be a server device capable of general-purpose communication.

Here, general-purpose communication is communication using the Internet network, or as a cellular communication protocol, for example, LTE (Long-Term Evolution), LTE-A (LTE Advanced), CDMA (Code Division Multiple Access), WCDMA (Wideband CDMA), At least one of Universal Mobile Telecommunications System (UMTS), Wireless Broadband (WiBro), and Global System for Mobile Communications (GSM) may be used.

Such a loan platform server 200 may include a general-purpose communication module for performing general-purpose communication.

In addition, the loan platform server 200 may include a control unit, and the control unit is one or more of a central processing unit (CPU), an application processor (AP), and a communication processor (CP). The control unit may, for example, execute an operation or data processing related to control and/or communication of at least one other component of the loan platform server 200 .

In addition, the loan platform server 200 may include a storage unit for storing a working program programmed to be controlled by the control unit, and the storage unit may include a non-volatile memory and a volatile memory, and the operating program is stored in the non-volatile memory. It can be stored and loaded into volatile memory for operation.

So far, the present invention has been focused on a preferred embodiment. Those of ordinary skill in the art to which the present invention pertains will understand that the present invention can be implemented in modified forms without departing from the essential characteristics of the present invention. Therefore, the disclosed embodiments should be considered in an illustrative rather than a restrictive point of view. The scope of the present invention is indicated in the claims rather than the foregoing description, and all differences within an equivalent scope should be construed as being included in the present invention.

As described above, although the present invention has been described with reference to limited embodiments and drawings, the present invention is not limited thereto, and the technical idea of the present invention and the following by those of ordinary skill in the art to which the present invention pertains. Of course, various modifications and variations are possible within the scope of equivalents of the claims to be described.

10: Loan system combined with customer cryptocurrency
100: customer terminal
200: lending platform server

Claims (7)

a customer terminal for transmitting a loan application signal together with loan applicant information and loan application information; and
Receive the loan application signal, and set the cryptocurrency payment rate information indicating the ratio between the payment cryptocurrency amount information of the payment cryptocurrency to be paid to the customer who applied for the loan and the requested loan amount information included in the loan application information, Calculating the payment loan amount information and the payment cryptocurrency amount information based on the loan applicant information, the requested loan amount information, and the cryptocurrency payment rate information, and loan the payment cryptocurrency corresponding to the payment cryptocurrency amount information The financial server transmits a first transfer request signal requesting transfer from the platform account to the customer account to the blockchain network, and sends a second transfer request signal to request a transfer of the loan amount corresponding to the payment loan amount information from the loan platform account to the customer account Loan platform server that transmits to
Loan system combined with customer cryptocurrency.
According to claim 1,
The customer terminal is
When a transaction between the customer and the consumer occurs, a proxy payment request signal for requesting to pay the transaction price of the transaction and transfer the transaction price to the loan platform account is transmitted to the proxy payment server, characterized in that
Loan system combined with customer cryptocurrency.
3. The method of claim 2,
The loan platform server
Calculate the total transaction amount information of the transaction price transferred to the loan platform account, and if it is determined that the total transaction amount information exceeds the principal and interest amount information obtained by adding the requested loan amount information and loan interest amount information, the A third transfer request signal for requesting to transfer the transaction amount exceeding the principal and interest amount information from the loan platform account to the customer account, characterized in that it is transmitted to the financial server
Loan system combined with customer cryptocurrency.
According to claim 1,
The loan platform server
Generating loan suitability information based on the loan applicant information, confirming loan interest rate information corresponding to the loan suitability information, and setting the cryptocurrency payment rate information based on the loan interest rate information
Loan system combined with customer cryptocurrency.
5. The method of claim 4,
The loan platform server
The loan interest amount information is calculated based on the loan interest rate information, the applied loan amount information, and the loan period information included in the loan application information, and the result value of applying the cryptocurrency payment rate information to the requested loan amount information is the characterized in that the cryptocurrency payment rate information is set to be less than the loan interest amount information
Loan system combined with customer cryptocurrency.
6. The method of claim 5,
The loan platform server
Calculate the payment cryptocurrency amount information by applying the cryptocurrency payment rate information to the requested loan amount information, determine whether the loan suitability information is equal to or greater than a standard suitability, and the payment loan amount information based on the determination result characterized by calculating
Loan system combined with customer cryptocurrency.
7. The method of claim 6,
The loan platform server
If the loan suitability information is greater than or equal to the standard suitability, the requested loan amount information is calculated as the payment loan amount information, and if the loan suitability information is less than the standard suitability, the payment cryptocurrency amount information is subtracted from the applied loan amount information Characterized in calculating the payment loan amount information
Loan system combined with customer cryptocurrency.

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