KR20220168576A - System for tech fin based on block chain - Google Patents

Abstract

According to an embodiment, a blockchain-based tech-fin system includes a technology-based coin service (TECHCON), a technology-based financial service (TECHFIN), and a buy now pay later service (BNPL) to allow a general member (consumer) to use a fund with limitations in profitability, stability, scalability and the like of an investor so as to make profits.

Description

Blockchain-based techfin system {SYSTEM FOR TECH FIN BASED ON BLOCK CHAIN}

The present invention relates to a blockchain-based techfin system.

In general, remittances are delayed due to large bank account openings and cross-border remittances due to fears of criminal activity and the need for security checks.

In addition, as a method of applying for a personal credit loan to secure necessary funds, there are a method in which the customer visits the bank and applies, a method by phone, a method through the Internet, and a method of applying for a mobile loan using a portable terminal.

As such, although various types of customer loan services are being implemented in the first financial sector and the second financial sector, most of the loan methods are performed by a person who wants a loan directly visiting a financial company.

Of course, in recent years, a method of providing a phone loan using a portable terminal such as a smart phone or a loan service using the Internet has been implemented, but in this process, it is very cumbersome to check an individual's credit status and verify identity.

In particular, in the case of loan services using Internet web services, there is no way to immediately display the loanable amount of new or existing customers depending on the applicant, so new customers as well as existing loan customers have to repeatedly check credit whenever they apply for a loan. There is a problem in that personal credit is lowered because it is executed as

In addition, since the loan application through the homepage is based on the customer's credit information data, in the case of a new customer, there is a cumbersome problem of repeatedly providing various documents required for loan review. This leakage continues to lead to illegal loan-related crimes.

In addition, when an existing customer applies for a telephone loan, the loan limit is determined after comparing the data of the credit information company, so the loan review is relatively simple. It is a situation where it is not used much because it avoids applying for a loan.

In addition, even after an existing customer applies for a loan over the phone, it is subject to a loan review equivalent to a new loan review based on personal credit rating, so additional loan-related documents must be provided and customer recorded data must be secured for loan review. There is an inherent inconvenience associated with a separate personal authentication procedure.

As such, as a prior art for the inconvenience of telephone loans using conventional portable terminals and personal information protection, 'mobile loans using mobile communication terminals' in Korean Registered Patent Publication No. 10-0551552 (published on February 13, 2006) Service system and method' is disclosed.

This mobile loan service system of the prior art allows a user to use a mobile communication terminal, which is currently a necessity, by using a mobile communication terminal instead of a loan means such as an existing loan card through an alliance between a mobile communication system and each lending institution. It has the advantage of being able to easily receive loan services by using the mobile communication system and inducing loans through differentiated marketing using the customer database possessed by the mobile communication system.

In addition, as the mobile communication system according to the prior art makes a loan using a mobile communication terminal, it can benefit from a fee from a lending institution that provides a corresponding loan product, and each lending institution pays the card issuance cost and separate In addition to saving marketing costs, there is an advantage in that effective marketing and profit generation are expected without separately collecting user information by sharing user information previously possessed in a mobile communication system.

However, since this prior art requires a partnership between the mobile carrier and the lending institution, there is a limit to the fact that the business partnership between the mobile carrier and the lending institution cannot be properly established. In the process of using, there is a high risk of loan fraud and identity theft due to leakage of personal information, so it is not applied in practice.

And the Ethereum proposed by Vitalik Buterin can easily implement smart contracts in code and is Turing complete. Ethereum proposed by Vitalik Buterin was proposed to overcome the Turing incompleteness of the Bitcoin script language used for escrow contracts in Bitcoin transactions. Bitcoin transactions are used only for changes in the account balance, and the script language used in the transaction is only used limitedly, such as an escrow contract. Ethereum extends the state of this account to data and code as well as balance, and by executing a series of codes recorded in the account through a transaction, it makes the state conversion condition of the account close to Turing complete, enabling large-scale distributed applications ( It provided an easy tool for creating Decentralized Applications (DApps). Therefore, as a smart contract that can be easily implemented, decentralized applications (DApps) using the Ethereum blockchain are being actively developed.

ICO (Initial Coin Offering), a format in which decentralized application projects receive crowdfunding by issuing coins to raise initial funds, has been commonly used. As ICOs have been widely conducted, investments have been made with the anonymity of blockchain, and they have been banned in major countries such as the United States and China due to lack of legal protection.

Therefore, like general financial transactions, there is a need for a system that can verify the identity of the person who trades and invests and prevents abuse of ICO.

On the other hand, there is no actual ecosystem (platform) suitable for the current virtual currency character. The reality is that it is difficult for virtual currency to be purchased (recharged) and used by ordinary people, not buyers, and it is difficult to have stability and circulation like general money.

Registered Patent Publication No. 10-0551552 (published on February 13, 2006)

The problem to be solved by the present invention is based on a blockchain that allows general members (or consumers, hereinafter referred to as general members) to make profits by using artificial intelligence (AI) on the Metaverse. It is intended to provide a techfin system of

Blockchain-based Techfin system according to an embodiment for solving the above problems is technology-based coin service (TECHCON), technology-based financial service (TECHFIN), and pre-purchase post-payment service (BNPL (BUY NOW PAY LATER)) include

According to the embodiments, by including technology-based coin service (TECHCON), technology-based financial service (TECHFIN), and pre-purchase post-payment service (BNPL (BUY NOW PAY LATER)), investors' profitability, stability, scalability, etc. are limited. General members (consumers) can make profits by using funds with

1 is a block diagram of a blockchain-based Techfin system according to an embodiment.
2 is a convex diagram showing the relationship between a technology-based coin service and a technology-based financial service of a blockchain-based techfin system according to an embodiment.
3 is a block diagram showing a financial relationship between an investment member and a general member of a blockchain-based techfin system according to an embodiment.
4 is a block diagram showing in detail the technology-based coin service of the blockchain-based Techfin system according to an embodiment.
5 is a block diagram showing in detail a technology-based financial service of a blockchain-based techfin system according to an embodiment.
Figure 6 is a graph showing the usage scale of BNPL around the world.
7 is a table showing expected revenues of a blockchain-based techfin system according to an embodiment.
8 is a graph showing expected revenue of a blockchain-based techfin system according to an embodiment.
9 is a configuration environment diagram of a techfin system of a blockchain substrate according to some embodiments.
10 is a detailed configuration diagram of the service providing device according to FIG. 9 .

Hereinafter, specific embodiments for carrying out the present invention will be described with reference to the drawings. The embodiment of the present invention is for explaining one invention, and the scope of rights is not limited to the illustrated embodiment, and the illustrated drawings are limited to the drawings because only the essential contents are enlarged and the auxiliary parts are omitted for clarity of the invention. should not be interpreted as such.

1 is a block diagram of a blockchain-based Techfin system according to an embodiment. 2 is a convex diagram showing the relationship between a technology-based coin service and a technology-based financial service of a blockchain-based techfin system according to an embodiment. 3 is a block diagram showing a financial relationship between an investment member and a general member of a blockchain-based techfin system according to an embodiment. 4 is a block diagram showing in detail the technology-based coin service of the blockchain-based Techfin system according to an embodiment. 5 is a block diagram showing in detail a technology-based financial service of a blockchain-based techfin system according to an embodiment. Figure 6 is a graph showing the usage scale of BNPL around the world. 7 is a table showing expected revenues of a blockchain-based techfin system according to an embodiment. 8 is a graph showing expected revenue of a blockchain-based techfin system according to an embodiment.

1 to 8, the blockchain-based techfin system according to an embodiment provides profitability and expansion of funds with limitations such as profitability, stability, and scalability of investment members (or investors, hereinafter referred to as investment members). can promote sexuality.

The blockchain-based Techfin system according to an embodiment can be made through a user's terminal. The user may be an investment member and/or a general member. The blockchain-based Techfin system according to an embodiment may be a platform that allows investment members and general members to make financial transactions on the server through their respective terminals.

The blockchain-based Techfin system according to an embodiment may include a terminal of an investment member, a terminal of a general member, a terminal of an operator, and a server that communicates with each of the terminals of the investment member, the general member's terminal, and the operator's terminal. can

A blockchain-based Techfin application is stored in each of the investment member's terminal, the general member's terminal, and the operator's terminal, and the blockchain-based Techfin application is controlled through the server, and the Techfin Control of the application may be performed by the operator.

As shown in FIG. 1, the Techfin application stored in the terminal of the investment member can be operated in a metaverse manner. In this specification, the metaverse is a combination of meta, which means virtual or abstract, and universe, which means the real world, and means a three-dimensional virtual world.

Techfin application stored in the terminal of an investment member according to an embodiment may include an investment fund management unit and an entertainment unit. The investment member may form virtual currency and sell the formed virtual currency.

The investment funds of the investment management unit may be profits obtained by selling virtual currency. However, the investment funds are not limited thereto, and the investment funds may be original capital rather than profits through virtual currency sales of investment members. That is, the investment funds may be capital obtained through various channels.

The investment fund management unit of the Techfin application stored in the terminal of the investment member according to this embodiment sells most of the investment member's virtual currency and can easily manage the profits obtained, as well as guaranteeing scalability and profitability. It is very different from conventional investment fund management.

Unlike the investment management unit, the entertainment unit may provide a space for using the investment funds in the entertainment field. The entertainment may be, for example, a lottery ticket such as a lottery or may be provided in the form of a game, but is not limited to the above examples.

The general member's block chain-based Techfin application may include a fund storage unit, a fund use unit, and a data profit unit.

The fund storage unit of the blockchain-based techfin application of the general member may be linked with the investment fund management unit of the investment member. That is, certain funds may be transferred and stored in the fund storage unit from the investment fund management unit.

The fund use unit of the block chain-based Techfin application of the general member provides a space where a certain amount of money stored in the fund storage unit can be used. For example, the fund use unit may be an online affiliate store, an offline affiliate store, or a shopping mall. The online merchant may be a game site or an online product purchase site where products can be easily purchased. However, online merchants are not limited to the above examples.

As shown in FIGS. 2 and 3, the investment member can make a P2P loan to a general member through the investment fund management unit, and the general member can deposit the P2P credit and deposit the funds stored in the fund storage unit (or electronic money (DePay) )) through the BNPL method, the stored funds can be used. The use of the stored funds may be performed through the aforementioned fund use unit.

Conventionally, an investment member pays through a credit card or borrows urgently needed funds through a credit card short-term loan.

However, in this case, card users had inconveniences such as high installment fees and low underpayment.

In addition, non-regular workers, part-time workers, and daily workers were restricted from issuing credit cards. In addition, card issuance itself was restricted for simple delinquents, credit delinquents, and customers undergoing rehabilitation.

However, according to this embodiment, there is an advantage in that you can sign up as a general member over the age of 18 and easily and conveniently finance the necessary funds through the pre-purchase interest-free installment fee method (BNPL) or lead a comfortable life through the application.

More specifically, in the BNPL payment method, when a payment company receives an order, it exchanges the payment amount and order details with the merchant through the platform.

Customers only send installments to the bank or credit card company to be sent to BNPL. For the risk of insolvency that may occur during this process, a loss allowance can be prepared with high merchant fees and 'delinquency fees' imposed on consumers. The merchant fee due to the BNPL method can be around 2.5 to 6%, and instead of paying interest on installments, a fee is charged for overdue payments.

In addition, even if the same installment payment is calculated, there is an advantage in that there is no credit card installment fee to be paid by the consumer because the card company is not involved. Unlike credit card issuance, even if you don't have money in hand right away, you don't have to get a credit rating, or you don't have to go through complicated screening, you can use it just by downloading and signing up for an app. Young people who do not have money in hand right now can purchase what they want right away without any special procedures or proof of credit, and the related market is growing explosively because they have the advantage of being able to share it later without paying installment fees.

General members can pay fees for deposited funds through P2P credit through the data revenue unit. The data of the data revenue unit may include personal information of general members. For example, the data revenue unit may include My D selling or Small Big Alba.

9 is a configuration environment diagram of a techfin system of a blockchain substrate according to some embodiments. 10 is a detailed configuration diagram of the service providing device according to FIG. 9 .

As shown in FIG. 9, terminals of investors, terminals of a plurality of user groups (user group 1, user group 2), and terminals of investors and terminals of user groups corresponding to a plurality of different investors on a one-to-one basis It may be configured to include the service providing device 100 communicating through a communication network.

At this time, the service providing device 100 may be configured as a server.

In addition, the communication network described in the present invention may include a wired / wireless communication network, and as an example of such a wireless communication network, a wireless LAN (WLAN), a DLNA (Digital Living Network Alliance), a WiBro (Wireless Broadband: Wibro), Wimax (World Interoperability for Microwave Access: Wimax), GSM (Global System for Mobile communication), CDMA (Code Division Multi Access), CDMA2000 (Code Division Multi Access 2000), EV-DO (Enhanced Voice-Data Optimized or Enhanced Voice- Data Only), WCDMA (Wideband CDMA), HSDPA (High Speed Downlink Packet Access), HSUPA (High Speed Uplink Packet Access), IEEE 802.16, Long Term Evolution (LTE), LTE-A (Long Term Evolution- Advanced), Broadband Wireless Mobile Broadband Service (WMBS), 5G mobile communication service, Bluetooth, LoRa (Long Range), RFID (Radio Frequency Identification), Infrared Data Association (IrDA), Ultra Wideband (UWB), ZigBee, Near Field Communication (NFC), Ultra Sound Communication (USC), Visible Light Communication (VLC), Wi-Fi, Wi-Fi Direct and the like may be included. In addition, wired communication networks include wired local area network (LAN), wired wide area network (WAN), power line communication (PLC), USB communication, Ethernet, serial communication, optical/coaxial cables, etc. may be included.

In addition, the investor's terminal and the user's terminal are each a smart phone, a portable terminal, a mobile terminal, a personal digital assistant (PDA), a personal computer, Notebook computers, slate PCs, tablet PCs, ultrabooks, wearable devices (eg, watch-type terminals (Smartwatch), glass-type terminals (Smart Glass), HMD ( It may include various terminals such as Head Mounted Display), etc.).

In addition, the server may be configured as a terminal like the investor terminal and the user terminal.

User group 1 and user group 2 may each include a plurality of users. That is, user group 1 may include a plurality of first users, and user group 2 may include a plurality of second users.

Hereinafter, a detailed configuration of the service providing apparatus 100 according to an embodiment of the present invention will be described based on the above configuration.

As shown in FIG. 10, the service providing device 100 includes a member management unit 110, a matching unit 120, a communication unit 130, a profit unit 140, an evaluation management unit 150, and a reward providing unit 160. ), and a user-provided information receiving unit 170.

At this time, the service providing device 100 includes a control unit 101, a member management unit 110, a matching unit 120, a communication unit 130, a profit unit 140, an evaluation management unit 150, and a reward system. At least one of the study 160 and the user-provided information receiving unit 170 may be included in the control unit 101.

In addition, the control unit 101 may execute overall control functions of the service providing apparatus 100 using programs and data stored in the storage unit of the service providing apparatus 100, and the control unit 101 may include RAM, It may include a ROM, a CPU, a GPU, and a bus, and the RAM, ROM, CPU, and GPU may be connected to each other through a bus.

In addition, the service providing device 100 includes a user input unit for receiving a user input in addition to the control unit 101, a communication unit for communicating with external devices including the server, investor terminal and user terminal, and storing various information. It may include various components such as a storage unit and a display unit displaying various types of information, and the components constituting the service providing device 100 may be controlled by the control unit 101 .

The member management unit 110 receives investor information from terminals of a plurality of investors and registers it in the investor DB 102 (or investor member DB) included in the service providing device 100. ), and a user member management unit 112 for receiving user member information from terminals of the plurality of users and registering the user member information in the user DB 103 included in the service providing apparatus 100.

Here, the investor means an investor who purchases or invests in the virtual currency issued by the issuer, and each of the investors may have an asset corresponding to the purchased or invested virtual currency.

The user may be a user who borrows money from the investor.

The first user may be a user who transfers a certain amount or more of funds from at least one of the investors (hereinafter, first investors) at once in the form of an advance payment, and pays the first investors interest and principal on the available funds. (Hereinafter, the investment form between the first user and the first investors is referred to as the first investment form).

The second user may be a user associated with at least one investor in a BNPL (Buy now pay latter) method. That is, when the second user pays a predetermined amount, the predetermined amount settled from the assets of at least one of the investors (hereinafter referred to as second investors) is paid, and the principal and interest for the paid predetermined amount are paid. It may be a user who pays the second investors (hereinafter, an investment form between a second user and second investors is referred to as a second investment form).

Investors include the first investors and the second investors, and the first investor and the second investor may be selected by the investor or by the matching unit 120 of the control unit 101. there is.

That is, the matching unit 120 determines whether the payment rate for the principal and interest on the funds of the first user is statistically high based on the payment situation of the users stored by the profit unit 140, which will be described later, and the payment of the second user. It is possible to establish a relationship between the investors and users by comparing whether the payment rate for the principal and interest for the predetermined amount is high.

Typically, the amount of money each first user transfers on a one-time basis may be higher than a predetermined amount each second user pays. For example, a first user can transfer funds equivalent to 5 million won at a time, and a second user can pay an amount equivalent to 200,000 won at a time. For example, assuming that there are two investors (a first investor and a second investor) with the same size of funds, the first investor who has a relationship of the first investment type with the first users has a relationship with the second users and the second investor. The first investment type may be established with fewer users compared to the second investor in the investment type relationship. Furthermore, in the case of the first investment type, since the amount of funds that the first user transfers at one time is greater than the amount that the second user pays at one time, the first investor's funds may be exhausted in a faster time. That is, in the case of the first investment type, compared to the second investment type, the number of users having a relationship with one investor is small, and the funds of the first investor may be exhausted in a faster time. Investors can select the first investment type and the second investment type in real time. The evaluation management unit 150, which will be described later, transmits the transfer and/or payment processing of users having an investment relationship to investors' terminals in real time, so that the investors process the transfer and/or payment of users having an investment relationship. can be checked in real time. Investors can select the first investment form and the second investment form in real time while checking the transfer and/or payment processing of users who have investment relationships in real time.

Meanwhile, users may select whether to select the first investment form or the second investment form through the matching unit 120 . A first user who selects the first investment form can borrow funds from the first investors, and a second user who selects the second investment form can pay a predetermined amount based on the funds of the second investors. It can be.

On the other hand, according to the blockchain-based Techfin system according to this embodiment, communication between investors and users having an investment relationship may be possible through the communication unit 130. That is, communication between the first investors and first users may be possible and communication between the second investors and second users may be possible through the communication unit 130 .

Through the communication unit 130, the first investors inform the first users of a profit generating means (hereinafter, a first revenue generating means) for paying interest and principal on funds that have been used in real time, and the communication unit ( 130), the second investors can notify the second users of a means for generating revenue (hereinafter referred to as a means for generating second revenue) for paying principal and interest of a predetermined amount paid to the second users in real time.

Through the profit unit 140, the first users can pay interest and principal on funds that have been used to the first investors with whom they have an investment relationship, and through the profit unit 140, the second user may pay principal and interest of a predetermined amount paid to the second investors with whom they have an investment relationship.

When the first users pay the first investors interest and principal on the funds that have worked, the interest on the funds that the first users have worked from their own funds separately, not from the profits on this system and principal can be paid, but interest and principal can be paid for funds borrowed through profits on this system.

Similarly, when the second users pay the interest and principal on the predetermined amount paid to the second investors, the first users pay from their own funds, not from the profits on this system Interest and principal can be paid for a predetermined amount, but interest and principal can be paid for a predetermined amount paid through profits on this system.

That is, through the communication unit 130, the first investors can guide the first users on how to pay interest and principal on funds borrowed through profits on this system, and the communication unit 130 Through this, the second investors can guide the second users on how to pay interest and principal for a predetermined amount paid through the profits on this system.

The method of paying interest and principal on funds financed through revenue on this system and the method of paying interest and principal on a predetermined amount paid through revenue on this system are It may include a method of paying interest and principal on interest or principal on a predetermined amount paid. The users provide their personal information (or data) through the revenue unit 100 of the service providing device 100 of the system to a data collection site linked with the revenue unit 100, thereby providing types of data. And a certain profit can be obtained according to the amount of data. The obtained predetermined profit is stored in the profit unit 100, and a part of each user's profit can be paid to the above-mentioned investors.

In some embodiments, the users provide their personal information (or data) to a data collection site linked with the revenue unit 100 via the revenue unit 100 of the service providing device 100 of the system. At this time, for convenience, one's own personal information (or data) may not be directly provided to the data collection site via the profit unit 100. In this embodiment, the profit unit 100 automatically provides user member information pre-stored in the user DB 103 to the users when the users provide their personal information (or data) to the data collection site. In this way, the users may provide their personal information (or data) to the data collection site by selecting some of the user member information pre-stored in their user DB 103.

On the other hand, the users may not know how to pay interest and principal for funds borrowed through the profits on this system and how to pay interest and principal on a predetermined amount paid through profits on this system. there is.

To this end, investors who have an investment relationship with each user pay each user in real time through the communication unit 130 the interest and principal on the funds borrowed through the profits on this system or this system We can guide you on how to pay interest and principal on a certain amount paid through the profits from the award.

On the other hand, investors who have an investment relationship with each user pay each user in real time through the communication unit 130 the interest and principal on the funds borrowed through the profits on this system or on this system In the process of guiding how to pay the interest and principal for a predetermined amount paid through the profit of, the guide can be made through chatting or conversation on the communication unit 130, and users can see investors guiding may not be easily understood. To this end, a user-provided information receiving unit 170 may be further provided. The user-provided information receiving unit 170 allows users to transfer their personal information (or data) according to investors' guides via the profit unit 100 of the service providing device 100 of the system, and interlocks with the profit unit 100. In the process of providing the data to the collected data collection site, voice messages, photo data, or video data left by users about confusing or unknown parts may be received and stored from users. Thereafter, the user-provided information receiving unit 170 transfers the received and stored voice messages, photo data, or video data left by users to the communication unit 130 in real time, thereby providing information to investors' users on the communication unit 130. It has the advantage of making it easier to guide on generating revenue.

100: service providing device
110: Member management department

Claims (1)

An investor member management unit 111 receiving investor information from terminals of a plurality of investors and registering the information in the investor DB 102 included in the service providing apparatus 100;
a member management unit 110 including a user member management unit 112 that receives user member information from terminals of the plurality of users and registers the user member information in the user DB 103 included in the service providing device 100; and
And a matching unit 120 for selecting whether the users select a first investment form or a second investment form,
The users include a first user who selects the first investment form and a second user who selects the second investment form,
The plurality of investors include a first investor and a second investor,
The first investor is matched with the first user who has selected the first investment form by the matching unit 120,
The second investor is a blockchain-based techfin system that is matched with the second user who selected the second investment form by the matching unit 120.

Images