KR20240038187A - Pre-loan and post-payment cryptocurrency loan system and method - Google Patents

Abstract

The present invention relates to a system and method for lending collateralized virtual currency after pre-loaning by authorizing a loan in advance to a loan holder and setting up collateral if the loan is not repaid within a certain period of time. The purpose of the present invention is to: Setup costs, attorney fees, and appraisal costs are incurred, but if a loan is provided to the contractor first and the contractor repays the loan amount within a set period, setup costs, attorney fees, and appraisal costs can be saved, and the contractor can save money in a hurry. If necessary, you can reduce the setup cost and time required for appraisal and apply for a loan quickly, preventing credit problems from occurring due to failure to pay monthly rent, fees, other taxes, interest, etc. on the due date, and buying and selling virtual currency. The purpose is to provide a system and method for collateralized virtual currency lending after pre-loaning.

Description

{Pre-loan and post-payment cryptocurrency loan system and method}

The present invention relates to a system and method for lending collateral virtual currency after pre-loaning. More specifically, when a person holding virtual currency urgently needs a loan to pay monthly rent, fees, various taxes, interest, etc. within the due date, If the contractor holding virtual currency and the virtual currency information meet the loan application conditions, the loan is first implemented. If the loan amount is repaid within a set period, the loan contract is terminated. If repayment is not made within a certain period, the virtual currency held by the contractor is depleted. It relates to a system and method for lending virtual currency as collateral after pre-loaning, which allows it to be set as collateral.

Generally speaking, financial institutions refer to banks, insurance, securities, investment trusts, etc. Among these financial institutions, in particular, general banks center around the Bank of Korea, which issues currency. The head offices (or headquarters) of each commercial bank and special bank are located around the Bank of Korea, and each bank's branches (hereinafter, for convenience of explanation) Branches, branch offices, etc. are called branches) are distributed in large numbers by administrative district, centered around the head office of each bank.

These general banks are largely divided into deposit (receipt), loan (credit), and exchange services. Here, foreign exchange business is a financial transaction method of repaying a conventional loan amount without transporting cash through financial institutions such as banks, such as lending and lending relationships between distant parties, for example, settlement of bonds and debts, and other remittances or payment collection. .

In general, in order to receive a loan from a financial institution, there are two types of loans: secured loans that require collateral and credit loans based on credit. Here, a credit loan is a loan that a financial institution provides based on the customer's credit rating. The loan amount and interest rate are determined taking into account the customer's economic situation, occupation, transaction details, family matters, etc.

Credit loans are classified into unsecured credit loans and credit loans provided by a credit guarantee company. Unguaranteed credit loans are loans that are determined based on the borrower's credit rating. In comparison, secured loans are generally longer term, larger in amount, and have lower interest rates than credit loans. Collateral means that a money lender holds onto assets of economic value from the borrower in case the money is not returned.

If a person holding virtual currency cannot pay rent, fees, other taxes, interest, etc. by the due date due to lack of money, credit problems will arise. In order to raise money, you need to take out a loan using virtual currency as collateral, but because it takes a lot of time, there is a problem that it is difficult to meet the payment date, and there is a problem that you have to buy and sell virtual currency.

Therefore, in order to solve the above-described problem, the present invention first provides loans only to contractors who meet the loan application conditions, and if they fail to repay the loan amount, virtual currency is set as collateral, without affecting credit rating, and virtual currency We would like to propose a loan system and method that allows you to raise money without having to sell.

1. Republic of Korea Patent Publication No. 10-2020-0023353 (“Online stock trading management method and system”, 2020.03.04.)

The present invention was devised to solve the above problems, and the purpose of the present invention is to provide short-term contracts using virtual currency as collateral due to lack of money to pay monthly rent, fees, various taxes, interest, etc. When applying for a loan, if the loan application conditions are met, the loan is immediately implemented. If the loan amount is repaid within the set period, the loan contract is terminated. If the loan amount is not repaid within the set period, the set virtual currency is set as collateral and various payments are made. We provide a pre-loan and collateral virtual currency loan system and method that allows you to quickly and easily borrow and pay using virtual currency, thereby preventing credit problems due to failure to pay various payments within the due date.

In addition, if a contractor holding virtual currency receives a short-term loan using virtual currency and then repays the loan amount within a set period, the pre-loan and collateral virtual currency loan system and method can save setup costs, legal fees, and appraisal costs. In providing.

The pre-loan and collateral virtual currency loan system of the present invention is equipped with a loan contract process, and the loan contract management server in which the loan contract procedure is carried out by the mounted loan contract process, the loan contract process is mounted, and the loan contract is mounted. In the loan contract management server where the loan contract procedure is carried out by a process, the loan contract management server is equipped with a process for concluding a loan contract and prepayment of the loan amount, and receives input from a loan contract through a contract terminal connected by a communication means. It is connected to a member database where personal information is stored and a contract database where contract information concluded through the loan contract conclusion process is stored, and information is requested and received from external servers connected to each other through a plurality of external servers and communication means, and the loan Through the contract process, it is confirmed whether the loan contract to be applied for satisfies the loan application conditions, and the loan amount is paid in advance for the loan contract that satisfies the loan application conditions, thereby concluding the loan contract.

In addition, whether the loan application conditions are satisfied is confirmed by comparing information input from the contractor terminal with information received through a request to the external server.

In addition, the external server is connected to and communicates with the loan contract management server through a communication means, and receives a signal requesting credit information of the contractor transmitted from the loan contract management server, among credit information stored in the credit rating agency database. a credit rating agency server that transmits the policyholder's credit information to the loan contract management server; It is connected and communicates with the loan contract management server through a communication means, receives a request signal for virtual currency information held by the contractor transmitted from the loan contract management server, and provides the loan by using the virtual currency information held by the contractor among the virtual currency information stored in the database. Virtual currency management server transmitting to the contract management server; It is connected and communicates with the loan contract management server through a communication means, receives the policyholder's national tax payment details signal transmitted from the loan contract management server, and manages the loan contract using the policyholder's national tax payment details among the national tax payment details stored in the National Tax Service database. National Tax Service server transmitting to server; and is connected and communicates with the loan contract management server through a communication means, receives a request signal for the policyholder's bank transaction details transmitted from the loan contract management server, and records the policyholder's bank transaction details among the bank transaction details stored in the Korea Credit Information Service server database. Characterized in that it includes a Korea Credit Information Service server that transmits to the loan contract management server.

In addition, the loan contract management server calculates the loanable amount and loan interest rate based on one or more information selected from the contractor's credit evaluation information, the contractor's virtual currency information, the contractor's national tax payment history, and the bank transaction history information. It is characterized by

In addition, the external server includes a notary agency server that is connected to the loan contract management server by a communication means and generates a notarization certificate for the virtual currency held by the contractor; or a guarantee insurance agency server that is connected to the loan contract management server by a communication means and generates a guarantee insurance policy for the virtual currency held by the policyholder; It is characterized in that it further includes.

The loan contract method using the collateral virtual currency loan system after pre-loaning of the present invention is a pre-loan contract step in which the contractor connects to the loan contract management server through the contractor terminal and applies for a loan contract, and a loan contract for a certain period of time is concluded. ; A maturity date confirmation step of checking whether the loan contract concluded in the advance loan contract step has reached maturity; A loan repayment confirmation step, which is performed when it is confirmed that the loan contract maturity date has arrived in the maturity date confirmation step, and checks whether the loan amount paid to the policyholder in the advance loan contract step has been repaid; And a counting step, which is performed when it is confirmed that the loan amount has not been fully repaid in the loan repayment confirmation step, counts the number of progresses in the loan repayment confirmation step, and compares it with a reference value. The counting step counted in the counting step If the value is below the standard value, the loan repayment confirmation step is re-processed, and if the value counted in the counting step exceeds the standard value, the virtual currency held by the contractor entered in the pre-loan contract step is used. It is characterized in that a step of setting a bail contract sell order special contract in which a bail contract sell order special contract is set is performed.

In addition, the pre-loan contract step includes a connection step in which the contractor connects to the loan contract management server through the contractor terminal; A member confirmation step of confirming whether the contractor who accesses the loan contract management server through the contractor terminal is a member registered with the loan contract management server; In the member status confirmation step, if the contractor connected to the loan contract management server through the contractor terminal is confirmed to be a member, a loan progress screen output step of displaying a screen for proceeding with the loan contract on the contractor terminal; The contractor's personal information, the type of virtual currency held by the contractor, the contractor's ID and password for accessing the virtual currency management server, and the virtual currency held by the contractor if the loan amount is not repaid after the contract maturity date are entered into the contractor's terminal by the contractor. An input step in which whether or not to agree to the automatic bail contract sale order special contract setting is entered; The loan contract management server requests the credit information of the policyholder from the credit rating agency server, transmits the credit information of the policyholder from the credit rating agency server to the loan contract management server, and sends the credit information of the policyholder to the credit rating agency server from the loan contract management server. A credit information confirmation step of confirming loan application conditions based on the contractor's credit information transmitted from; The loan contract management server requests virtual currency information from the virtual currency management server according to the personal information of the contractee entered in the input step, and the loan contract management server requests virtual currency information based on the virtual currency information transmitted from the virtual currency management server. Cryptocurrency information confirmation step to check loan application conditions; The loan contract management server requests the National Tax Service server for national tax payment details according to the personal information of the contractor entered in the input step, and the loan contract management server sets loan application conditions based on the national tax payment details sent from the National Tax Service server. Verification step of national tax payment details; The loan contract management server requests bank transaction details from the financial institution server according to the personal information of the policyholder entered in the input step, and the loan contract management server applies for a loan based on the bank transaction details transmitted from the financial institution server. Checking bank transaction details to confirm conditions; If it is confirmed that a loan is possible by satisfying all the loan application conditions in the credit information confirmation step, the virtual currency information confirmation step, the national tax payment history confirmation step, and the bank transaction history confirmation step, the credit evaluation information, the above A calculation step in which a loanable amount and a loan interest rate are calculated by the loan contract management server based on one or more information selected from virtual currency information and the bank transaction history; A loan application step in which the available loan amount and loan interest rate calculated in the calculation step are output to the contractor terminal, and a loan application request is transmitted from the contractor terminal to the loan contract management server; When the loan contract management server receives a loan application request sent through the loan application step, the loan contract management server and the notary agency server or guarantee insurance agency server communicate and use the virtual currency held by the policyholder entered in the input step as collateral. A notarization or surety insurance policy creation step in which a notary deed or surety insurance policy is created; And when a notary certificate or guarantee insurance policy is created in the notarization or guarantee insurance policy creation step, the loan contract management server approves the loan contract, and the loan amount is paid in advance to the policyholder on the loan contract start date entered in the input step, thereby signing the loan contract. It is characterized in that it includes a loan approval step that is executed.

In addition, the loan contract method is characterized in that, when it is confirmed that the entire loan amount has been repaid in the loan repayment confirmation step, the notary certificate or guarantee insurance policy generated in the notary certificate or guarantee insurance policy generation step is discarded.

In addition, the loan contract method is characterized in that, when it is confirmed that the maturity date has arrived in the maturity date arrival confirmation step, a notification that the maturity date has arrived is sent from the loan contract management server to the contractee terminal.

In addition, the reference value is characterized in that it is a value that counts the remaining days from the time when the loan contract maturity set in the loan contract management server arrives to the loan contract maturity date.

In addition, the loan repayment confirmation step is characterized in that it is repeated 24 hours after the previous loan repayment confirmation step was performed.

The pre-loan and collateral virtual currency loan system and method of the present invention according to the above configuration is a short-term loan using virtual currency as collateral when a contractor holding virtual currency does not have enough money to pay monthly rent, fees, various taxes, interest, etc. When applying for a loan, if the loan application conditions are met, the loan is immediately implemented. If the loan amount is repaid within the set period, the loan contract is terminated. If the loan amount is not repaid within the set period, the set virtual currency is set as collateral and various payments are made. By allowing you to quickly and easily borrow and pay using virtual currency, you can prevent credit problems from occurring due to failure to pay various payments within the due date.

Additionally, if a contractor holding virtual currency obtains a short-term loan using virtual currency and then repays the loan amount within a set period of time, he or she can save on setup costs, legal fees, and appraisal costs.

1 is a schematic diagram of a collateral virtual currency loan system after pre-loan according to an embodiment of the present invention.
Figure 2 is a schematic diagram of the loan contract management server of the collateral virtual currency loan system after pre-loan according to an embodiment of the present invention.
Figure 3 is a flowchart of a loan contract method using a collateral virtual currency loan system after pre-loaning according to an embodiment of the present invention.

The present invention relates to a system and method for lending collateral virtual currency after pre-loaning. More specifically, when a person holding virtual currency urgently needs a loan to pay monthly rent, fees, various taxes, interest, etc. within the due date, The contractor connects to the loan contract management server through the terminal and enters the information required to apply for a loan. The loan contract management server communicates with multiple external servers, and if the virtual currency holder and virtual currency information satisfies the loan application conditions, the online investment server, A loan contract providing the loan amount is concluded on one or more servers selected from an Internet bank server or a financial institution server. If the contractee repays the loan amount within a set period, the loan contract is terminated, and if the contractee does not repay the loan amount within a set period, the loan contract is terminated. It relates to a collateral virtual currency lending system and method after pre-lending that allows virtual currency to be set as collateral.

Hereinafter, an embodiment of the present invention described above will be described in detail with reference to the drawings.

Figure 1 shows a schematic diagram of a collateral virtual currency loan system after pre-loan according to an embodiment of the present invention. As shown in Figure 1, the pre-loan and collateral virtual currency loan system of the present invention can be accessed by the contractor through the contractor terminal 200, and is a loan contract management server where at least one loan process including collateral loan is performed. Includes (100).

The contractor terminal 200 used by the contractor to access the loan contract management server 100 is preferably a smartphone or a PC, and may also be a tablet PC or laptop. It is preferable that the contractor using the contractor terminal 200 is a member registered with the loan contract management server 100. However, if the contractor is not a member, a membership registration window is displayed on the contractor terminal 200 or a personal authentication screen is displayed on the contractor terminal 200. can be printed.

The loan contract management server 100 is a server equipped with a collateral loan processor that includes loan contract conclusion, loan requirement review, loan contract extension, and loan contract expiration.

The loan contract management server 100 is interconnected and communicates with a plurality of external servers 1 that receive information for concluding a loan contract through communication means such as the Internet. The loan contract management server 100 stores information received from the external server 1 or information input from the contractor terminal 200.

The loan contract management server 100 is preferably equipped with or connected to at least one backup server to prevent information received from the external server 1 and information input through the contractor terminal 200 from being lost. do.

When a virtual currency holder, who is a contractor, applies for a virtual currency collateral loan with virtual currency as collateral, not only are setup costs, legal fees, virtual currency appraisal costs, etc. incurred, but it also takes a considerable amount of time until the loan is approved and the loan is made. It will happen. In addition, some of these contractors apply for a loan to prevent credit problems from occurring if they do not have enough money to pay their monthly rent, fees, various taxes, interest, etc. within the due date.

However, even though it is a small short-term loan with virtual currency as collateral, it takes a considerable amount of time to receive the loan, so the loan is not made by the due date, which causes credit problems due to inability to pay within the due date and the loan amount. Although it can be repaid within a set period of time, there is a problem that the financial burden is large due to the need to pay setup fees, legal fees, virtual currency appraisal fees, etc.

In order to solve this problem, the pre-loan and collateral virtual currency loan system of the present invention first pays the loan amount to the contractor who satisfies the loan conditions when a contractor holding virtual currency wishes to apply for a short-term loan using virtual currency. If the loan amount is repaid in full within the loan contract maturity date, the loan contract is terminated. If the loan amount is not repaid on the loan contract maturity date, the virtual currency held by the contract holder is set as collateral, and the setup fee, attorney's fee, virtual currency, and virtual currency are set as collateral. It is characterized by allowing the costs incurred for the loan, such as the cost of currency appraisal, to be charged.

Therefore, in the present invention, as long as you have virtual currency, you can quickly and easily obtain a loan using virtual currency, and you can pay monthly rent, fees, various taxes, interest, etc. with the loan amount within the due date. This has the effect of preventing credit problems from occurring due to failure to pay the payment within a certain period of time, and eliminating the need to buy or sell virtual currency in a hurry.

In addition, if the loan amount is repaid within a pre-set period, the contractor does not pay the loan costs, such as setup fees, legal fees, and virtual currency appraisal costs for applying for a short-term loan using virtual currency as collateral, thereby minimizing financial loss. In addition, if the loan amount is not repaid within a pre-set period, the virtual currency held by the contractor is automatically set as a special contract for the deposit contract and sell order, thereby minimizing damage to the financial institution.

At this time, in short-term loans, it is desirable to set the concept of short-term to 3 months, like the statute of limitations of electronic seal certificates (3 months from the date of issuance), but the concept of short-term can be designed by changing various settings within 6 months.

Figure 2 shows a schematic diagram of the loan contract management server of the collateral virtual currency loan system after pre-loan according to an embodiment of the present invention. As shown in Figure 2, the loan contract management server 100 includes at least one database in which information is stored, and the member database 110 in which the personal information of the contractee is stored and the contract in which the details of the loan contract concluded are stored. It is desirable for information to be stored separately in the database 120.

As described above, the loan contract management server 100 is interconnected with a plurality of external servers 1 through communication means such as the Internet, and can transmit an information request signal to the external server 1, and the external server 1 It is configured to be able to communicate with each other so that information in a database stored in or connected to the external server 1 can be received from the external server 1.

First, a contractor can access the loan contract management server 100 through the contractor terminal 200 and apply for a loan contract by entering the amount and loan period for which he or she wishes to apply for a loan.

Since the pre-loan and collateral virtual currency loan system of the present invention pays the loan amount to the contract holder first, as described above, it must be checked whether the contract holder satisfies the eligibility conditions to receive the loan amount first even without providing collateral, It communicates with multiple external servers (1) and checks whether the loan application conditions are met based on the received information. There are multiple loan application conditions, and if even one of the multiple loan application conditions is not satisfied, a collateral virtual currency loan contract cannot be concluded after the advance loan.

The loan contract management server 100 transmits a request signal for the contractor's credit evaluation information to the credit rating agency server 10, which is one of the plurality of external servers 1. When the credit rating agency server 10 receives a credit rating information request signal, the credit rating information of the contractor corresponding to the credit rating information request signal among the credit rating information stored in the credit rating database 11 is sent to the loan contract management server 100. Send. The loan contract management server 100 checks whether the contractor's credit evaluation information transmitted from the credit rating agency server 10 satisfies the loan application conditions.

For example, when the loan application condition confirmation standard is set to a credit rating of 4 or higher, if the contractor's credit rating transmitted from the credit rating agency server 10 is 5 or lower, it is confirmed that the loan application conditions are not satisfied, and the credit rating is If the contractor's credit rating transmitted from the rating agency server 10 is 4 or higher, it is confirmed to be satisfactory.

Only if the contractor's credit rating transmitted from the credit rating agency server 10 is 4 or higher will one of the multiple loan application conditions for entering into a collateral virtual currency loan contract after pre-loan be satisfied, and the credit rating is 5. If the amount is below, it will not be possible to conclude a collateral virtual currency loan after pre-loaning.

At this time, the credit rating standard can be easily changed by a person skilled in the art, and not only the credit rating but also the credit evaluation score may be set as the standard.

The loan contract management server 100 transmits a signal requesting the contractor's virtual currency to the virtual currency management server 20, which is one of the plurality of external servers 1. When the virtual currency management server 20 receives the contractor's virtual currency information request signal, the contractor's virtual currency information among the virtual currency information stored in the database 21 of each virtual currency management server 20 is sent to the loan contract management server 100. send to

The virtual currency held by the contractee may be stocks, bonds, or cryptocurrency. Therefore, depending on the type of virtual currency held by the contractee, the virtual currency management server 20 may be a server operated by a securities company in the case of stocks or bonds, or a cryptocurrency exchange server in the case of cryptocurrency.

The loan contract management server 100 checks whether the loan application conditions are satisfied based on the virtual currency holding amount information among the plurality of information included in the virtual currency transmitted from the virtual currency management server 20. If the amount of virtual currency held is more than a certain amount, it satisfies one of the multiple loan application conditions to enter into a collateral virtual currency loan contract after pre-loaning, and if the amount of virtual currency held is less than a certain amount, it satisfies one of the conditions for applying for a virtual currency as collateral after pre-loaning. Currency loan contracts cannot be concluded.

Additionally, the loan contract management server 100 checks whether the loan application conditions are satisfied based on the virtual currency revenue information transmitted from the virtual currency management server 20. If the rate of change in revenue of virtual currency is below a predetermined standard for a certain period of time, one of the multiple loan application conditions for entering into a collateral virtual currency loan contract after pre-lending is satisfied, and the rate of change in revenue of virtual currency meets a predetermined standard. If it exceeds it, a collateral virtual currency loan contract cannot be concluded after pre-loaning. At this time, the rate of change in revenue may only evaluate the rate of decline.

The loan contract management server 100 transmits a signal requesting the policyholder's national tax payment details to the National Tax Service server 30, one of the plurality of external servers 1. When the National Tax Service server 30 receives a request signal for the contractor's national tax payment details, it transmits the contractor's national tax payment details among the national tax payment details stored in the National Tax Service database 31 to the loan contract management server 100.

The loan contract management server 100 checks whether the loan application conditions are satisfied based on one or more criteria, such as the number of times of unpaid tax and the amount of unpaid tax, from the policyholder's national tax payment details transmitted from the National Tax Service server 30. If the loan application conditions are satisfied based on one or more criteria such as the number of unpaid taxes and the amount of unpaid taxes, one of the multiple loan application conditions that can be used to enter into a collateral virtual currency loan contract after pre-loaning is satisfied, and the number of unpaid taxes and unpaid tax amount are satisfied. If you do not meet the loan application conditions based on one or more criteria such as amount, you cannot enter into a collateral virtual currency loan contract after making the advance loan.

The loan contract management server 100 transmits a signal requesting information on the policyholder's bank transaction details to the Korea Credit Information Service server 40, one of the plurality of external servers 1. When the Korea Credit Information Service server (40) receives a request signal for bank transaction details, it transmits the policyholder's bank transaction details information stored in the Korea Credit Information Service server database (41) to the loan contract management server (100). The loan contract management server 100 determines whether multiple loan application conditions are satisfied based on the bank transaction history information transmitted from the Korea Credit Information Service server 40.

The loan contract management server 100 checks whether the loan application conditions are satisfied based on the presence or absence of abnormal transaction details among the bank transaction details transmitted from the Korea Credit Information Service server 40. If it is confirmed that there is no abnormal transaction history, or if there is an abnormal transaction history but the contract holder explains the abnormal transaction history, one of the multiple loan application conditions for entering into a collateral virtual currency loan contract after pre-loaning is satisfied, and it is abnormal. If there is a transaction history or the contractee has not explained the abnormal transaction history, a collateral virtual currency loan contract cannot be concluded after the advance loan.

In addition, the loan contract management server 100 communicates with the notary agency server 50 or the guarantee insurance agency server 60, which is one of the plurality of external servers 1, and provides a notary certificate or guarantee insurance certificate for the virtual currency held by the policyholder. Create. If the loan contract management server 100 confirms that the loan conditions according to the pre-loan and collateral virtual currency loan system of the present invention are satisfied, and the contractor also wishes to apply for a loan contract, a notarization or guarantee securing the virtual currency held by the contractor Create an insurance policy. The generated notary certificate or guarantee insurance policy is stored in the notary certificate database 51 or the guarantee insurance institution server database 61 of the notary institution server 50. At this time, the notary agency server 50 is preferably a notary law firm server or a prosecutor's office server.

In order to create a notary certificate or guarantee insurance certificate, a public certificate or financial certificate submitted through the contractor terminal 200 is used, or the contractor's personal authentication is requested using any one authentication method selected from legal authentication methods, and a notary certificate or When creating a surety insurance policy, an electronic signature is entered based on personal authentication.

The electronic signature can be used by selecting one of the widely used authentication methods, and it is preferable that the electronic signature is performed using a public certificate or financial certificate between the loan contract management server 100 and the contractor terminal 200. When an electronic signature is placed on the generated notarization, legal effect takes effect on the notarization written in the notary agency server 50 or the guarantee insurance policy created in the guarantee insurance agency server 60. If the contract holder repays the entire loan amount within the maturity date, the notarization certificate or guarantee insurance certificate is destroyed, and the contract holder deposits the virtual currency held by the contract holder according to the certiorari during the loan contract period and sends it to the online investment server or internet banking server by special contract for sale order. It must be deposited until the loan amount is repaid.

After pre-loaning, a collateral virtual currency loan contract is concluded, and the personal information of the contractor entered through the contractor terminal 200 during the loan contract process is stored in the member database 110 of the loan contract management server 100 and loan contract management. A loan contract created with an electronic signature using a public certificate or financial certificate between the server 100 and the contractor terminal 200 and the loan contract management server 100 communicate with the external server 1, and the loan contract management server 100 The information received from the external server (1) and the notarized or guaranteed insurance certificate created with an electronic signature using a public certificate or financial certificate between the loan contract management server (100) and the contractor terminal (200) are stored in the contract database (120). It is desirable to be At this time, the loan contract conclusion history information may be created and stored in the form of an electronic document.

Referring to FIG. 3, the loan contract method using the pre-loan and collateral virtual currency loan system of the present invention will be described in detail.

Figure 3 shows a flowchart of a loan contract method using a collateral virtual currency loan system after pre-loaning according to an embodiment of the present invention.

First, a connection step is performed in which the contractor accesses the loan contract management server 100 through the contractor terminal 200.

Next, a member status verification step is performed to check whether the contractor who accessed the loan contract management server 100 through the contractor terminal 200 is a member registered with the loan contract management server 100, and if it is confirmed that he is not a member, In this case, the loan contract management server 100 displays a membership registration screen on the contractor terminal 200 so that membership registration can be done through the contractor terminal 200.

The contractor registers as a member of the loan contract management server (100) through the membership registration screen printed on the contractor terminal (200). At this time, one of the external servers (1) that communicates with the loan contract management server (100) Personal authentication can be performed by communicating with a public certification authority server.

In the member status confirmation step, if the contractor connected to the loan contract management server 100 through the contractor terminal 200 is confirmed to be a member, a loan contract that displays a screen for proceeding with the loan contract on the contractor terminal 200 The progress screen output stage proceeds.

When the loan contract progress screen is displayed on the contractor terminal 200, an input step is performed in which predetermined information is input by the contractor into the contractor terminal 200. The information entered at the input stage may include checking the contract holder's personal information and whether or not to agree to the establishment of a special contract for the automatic deposit contract sale order of virtual currency if the loan amount has not been repaid after the maturity date of the loan contract. If you do not agree to the setting of the virtual currency automatic deposit contract sell order special contract, you cannot proceed with the loan contract according to the present invention.

A step of checking whether the contractor satisfies multiple loan application conditions based on the contractor's information collected through communication between the loan contract management server 100 and the external server 1 based on the contractor's information entered in the input step. It goes on.

The criteria for confirming loan application conditions include the contractor's credit information, virtual currency information held by the contractor, national tax payment history, and bank transaction history, which will be described in more detail later.

The loan contract management server 100 requests the contractor's credit information from the credit rating agency server 10, which is one of the plurality of external servers 1, and sends it to the loan contract management server 100 from the credit rating agency server 10. Transmit the contractor's credit information. A credit information confirmation step is performed in the loan contract management server 100 to determine whether a loan is possible based on the contractor's credit information transmitted from the credit rating agency server 10.

In addition, the loan contract management server 100 requests the contractor's virtual currency information from the virtual currency management server 20, which is one of the plurality of external servers 1, and sends the loan contract management server ( Send the subscriber's virtual currency information to 100). In the loan contract management server 100, a virtual currency information confirmation step is performed in which multiple loan application conditions are confirmed based on the personal information of the contractee transmitted from the virtual currency management server 20.

In the virtual currency information confirmation step, the loan contract management server 100 holds more than the amount preset by the deposit contract sale order special contract agreement to proceed with the loan based on the virtual currency holding amount information transmitted from the virtual currency management server 20. A step is taken to check whether the profit change rate is below a preset standard for a certain period of time in order to proceed with a loan based on the virtual currency profit information transmitted from the virtual currency management server 20.

In addition, the loan contract management server 100 requests the policyholder's national tax payment details from the National Tax Service server 30, which is one of the plurality of external servers 1, and sends the policyholder's national tax payment details to the loan contract management server 100 from the National Tax Service server 30. Send your national tax payment details. A national tax payment details confirmation step is performed in the loan contract management server 100 to determine whether a loan is possible based on the policyholder's national tax payment details transmitted from the National Tax Service server 30.

In the national tax payment details confirmation step, the loan contract management server 100 confirms the number of times of unpaid tax or the amount of unpaid tax according to the policyholder's national tax payment details transmitted from the National Tax Service server 30.

In addition, the loan contract management server 100 requests the policyholder's bank transaction details information from the Korea Credit Information Service server 40, one of the plurality of external servers 1, and sends the loan contract management server from the Korea Credit Information Service server 40. The policyholder's bank transaction details are sent to (100). A bank transaction history confirmation step is performed in the loan contract management server 100 to determine whether a loan is possible based on the bank transaction history information held by the policyholder transmitted from the Korea Credit Information Service server 40.

In the bank transaction details confirmation step, the loan contract management server 100 checks whether there are abnormal transaction details based on the policyholder's bank transaction details transmitted from the Korea Credit Information Service server 40.

If it is confirmed that the loan application conditions are not met in any of the above-mentioned credit information confirmation steps, virtual currency information confirmation steps, national tax payment details confirmation steps, and bank transaction details confirmation steps, the loan contract cannot be processed, and the contractor terminal ( 200), a message indicating that the loan application conditions are not met may be displayed on the screen.

It is processed when it is confirmed that a loan is possible by satisfying all the loan application conditions according to the credit information confirmation step, virtual currency information confirmation step, national tax payment history confirmation step, and bank transaction history confirmation step, and the loan contract management server (100) A calculation stage is conducted in which the loanable amount and loan interest rate are calculated based on the contractor's credit evaluation information and the amount of virtual currency held.

The loanable amount and loan interest rate calculated in the calculation stage are displayed on the screen of the contractor terminal 200. The contractor can decide whether to apply for a loan contract based on the available loan amount and loan interest rate calculated in the calculation stage, and if it is entered that he/she will proceed with the loan contract application, the loan application transmission stage where the loan contract is applied to the loan contract management server 100. If it is entered that you do not want to proceed with the loan contract application, the loan application is terminated.

When the loan contract application signal sent through the loan contract application transmission step is received by the loan contract management server 100, a notarization or guarantee insurance policy is created to set up a special contract for the sale order for the deposit contract for the virtual currency held by the contractor entered in the input step. The step of creating a notary certificate or guarantee insurance policy proceeds.

In order to proceed with the notary certificate or guarantee insurance policy creation step, the loan contract management server 100 communicates with the notary institution server 50 or the guarantee insurance institution server 60, and the contractor terminal 200 communicates with the notary certificate or guarantee insurance certificate creation step. ) Request that the contract holder's personal authentication be made using a public certificate or financial certificate submitted through , or any authentication method selected from among the legal authentication methods, and the electronic signature according to the personal authentication is entered in the notary certificate or guarantee insurance certificate. .

At this time, the electronic signature can be used by selecting from among widely used authentication methods, and it is preferable that the electronic signature is performed using a public certificate or financial certificate between the loan contract management server 100 and the contractor terminal 200.

In other words, the electronic signature procedure is carried out between the contractor terminal 200 holding the certificate and the loan contract management server 100 with the issuance information distributed from the public certification agency, and the certificate stored in the contractor terminal 200 for electronic signature is When submitted to the loan contract management server 100, the loan contract management server 100 verifies whether the signature of the submitted certificate is valid by comparing it with distribution information previously received and stored from a public certification authority, so that an electronic signature procedure can be performed.

Once the electronic signature is made, legal effect takes effect on the notary certificate prepared in the notary agency server 50 or the guarantee insurance policy prepared in the guarantee insurance agency server 60. The electronic signature process can also be performed when agreeing to the terms and conditions provided by the loan contract management server 100 and agreeing to a personal (credit) information inquiry request.

At the stage of creating a notary or guarantee insurance, the loan contract management server 100 or an external server that communicates with the loan contract management server 100 escrows the virtual currency held by the contractor, and if repayment is not possible, the virtual currency held by the contractor is deposited into a contract. When a notarized deed or guarantee insurance certificate to set up a special contract for a sale order is created, the loan contract management server 100 approves the loan contract, and a loan approval stage is performed in which the loan contract is executed on the loan contract start date entered in the input stage.

At this time, the server that transfers the loan amount to the policyholder is one selected from among the loan contract management server (100), the online investment server that communicates with the loan contract management server (100), and the internet banking server that communicates with the loan contract management server (100). It could be more than that.

After the loan approval step, the loan contract management server 100 proceeds with the maturity date arrival confirmation step to check whether the maturity date of the already executed loan contract has arrived. At this time, the standard for confirming that the maturity date has arrived can be easily changed and applied by a person skilled in the art, such as one month before, two weeks before, one week before, five days before the maturity date, etc.

In the maturity date arrival confirmation step, if it is confirmed that the maturity date of the loan contract has arrived, the loan contract management server 100 may transmit a notification to the contractor terminal 200 to repay the loan amount because the maturity date has arrived.

In the maturity date arrival confirmation stage, the confirmation whether the loan amount has been repaid begins from the point when it is confirmed that the maturity date has arrived. The step of confirming whether the loan amount has been repaid is the step of checking whether the contractor has repaid the loan amount in full. When it is confirmed that the loan amount has been fully repaid, the loan contract termination stage proceeds, and the notary certificate or guarantee insurance policy created in the notarization or guarantee insurance policy creation stage is discarded.

At this time, the step of checking whether the loan amount has been repaid may be performed even before the step of confirming the arrival of the maturity date. If it is confirmed that the loan amount has been fully repaid, the maturity date confirmation step does not proceed, and if it is confirmed that the loan amount has not been repaid or only a portion of the loan amount has been repaid, the maturity date arrival confirmation step is performed.

If it is confirmed that the loan amount has not been repaid during the confirmation stage of whether the loan amount has been repaid, the counting stage proceeds. The counting step is a step of accumulating and counting the number of progresses in the loan repayment confirmation step or counting the number of times the date has passed. The initial value is set to 0, and if it is less than the standard value, the step of checking whether the loan amount has been repaid is re-run. At this time, it is preferable that the step of checking whether the loan amount has been repaid is performed 24 hours after the step of checking whether the loan amount has been repaid.

The standard value set in the counting stage is set as (loan contract maturity date) - (time of maturity date arrival). That is, when the maturity date arrival point is set to be one week before the loan contract maturity date, the standard value of the counting step is set to 7, and when it is set to two weeks before, it is set to 14.

If the number counted in the counting stage exceeds the predetermined standard value, this means that the loan amount has not been repaid and the maturity date of the loan contract has passed, and the automatic bail contract sale order special contract setting stage proceeds.

In the automatic escrow contract sale order special contract setting stage, the escrow contract sale order special contract setting is automatically executed for the virtual currency set as collateral in the above-mentioned notary certificate or guarantee insurance policy creation stage, and the loan contract is changed from an existing loan contract to a virtual currency collateral loan contract. Changed and updated.

At this time, a late fee may be charged to the contractor for failing to repay the loan amount on the maturity date, and set-up costs, legal fees, and appraisal fees may also be charged to the contractor.

As another example, after the loan approval step, the loan contract management server 100 proceeds with an interest payment confirmation step to check whether interest has been deposited for an already executed loan contract. The interest payment confirmation step is preferably carried out 30 or 31 days after the start of the loan contract. If the loan period entered in the input stage is one month, the interest payment confirmation stage is not carried out, and the interest is also deposited when the loan amount is repaid. It is desirable to do so.

At a selected point in time, such as a week before, 5 days before, 3 days before, or a day before the interest payment confirmation step, the loan contract management server 100 notifies the contractor terminal 200 to deposit interest or automatically transfers the interest. You can also send a notification informing you of your schedule.

If it is confirmed that interest has not been paid in the interest payment confirmation stage, the automatic deposit contract sale order special contract setting stage proceeds. In the automatic escrow contract sale order special contract setting stage, the escrow contract sale order special contract setting is automatically executed for the virtual currency set as collateral in the above-mentioned notary certificate or guarantee insurance policy creation stage, and the loan contract is changed from an existing loan contract to a virtual currency collateral loan contract. Changed and updated.

At this time, late fees due to non-payment of interest may be charged to the contractor, and set-up costs, attorney fees, and appraisal costs may also be charged to the contractor.

A loan contract is concluded, and during the loan contract period, the virtual currency held by the contractor is deposited on one server selected from the loan contract management server (100), online investment server, and internet banking server.

During escrow, if the price of the amount of virtual currency held decreases as the rate of return decreases compared to the loan amount, the server that escrows the virtual currency automatically sets up a special contract for escrow contract and sell order for the virtual currency. The loan amount can be recovered by selling virtual currency based on a notary certificate or guarantee insurance policy.

To explain in more detail as an example, assume that the amount of virtual currency held is 20 million won and the loan amount is 10 million won. As the valuation of the virtual currency holdings fell during the loan contract period, the rate of return went negative and when the amount of virtual currency holdings reached 15 million won, the virtual currency was automatically sold through a special sell order and the server that provided the loan amount made the loan. The principal amount can be preserved.

The standard for the virtual currency holding amount for which virtual currency trading is automatically carried out is when the loan amount and the virtual currency holding amount are the same, when the virtual currency holding amount is less than 120% of the loan amount, or when it is less than 150% of the loan amount, etc. It can be easily changed and set.

The technical idea of the present invention should not be interpreted as limited to the above-described embodiments. Not only is the scope of application diverse, but various modifications can be made at the level of those skilled in the art without departing from the gist of the present invention as claimed in the claims. Accordingly, such improvements and changes fall within the scope of protection of the present invention as long as they are obvious to those skilled in the art.

100 Loan contract management server
110 Member Database
120 Contract Database
200 contractor terminals
1 external server
10 Credit rating agency server
11 Credit rating agency database
20 Virtual currency management server
21 Virtual currency management server database
30 National Tax Service Server
31 National Tax Service Database
40 Korea Credit Information Service Server
41 Korea Credit Information Service Server Database
50 Notary agency server
51 Notary database
60 Guarantee insurance agency server
61 Guarantee Insurance Agency Database

Claims (11)

In the loan contract management server, which is equipped with a loan contract process and where the loan contract procedure is carried out according to the installed loan contract process,
The loan contract management server,
There is a process for concluding a loan contract and prepaying the loan amount,
It is connected to a member database that stores personal information of loan policyholders entered through a contract terminal connected through a communication means and a contract database that stores contract information concluded through the loan contract conclusion process,
Information is requested and received from external servers connected to each other through multiple external servers and communication means,
Confirm that the loan application conditions are met for the loan contract you wish to apply through the above loan contract process,
A collateral virtual currency loan system after pre-loan, characterized in that the loan amount is paid in advance for a loan contract that satisfies the above loan application conditions and a loan contract is concluded.
According to paragraph 1,
Whether or not the above loan application conditions are met,
A collateral virtual currency loan system after pre-loan, characterized in that it compares and confirms information input from the contractor terminal and information received by requesting from the external server.
According to paragraph 1,
The external server is,
It is connected and communicates with the loan contract management server through a communication means, receives a signal requesting the contractor's credit information sent from the loan contract management server, and uses the contractor's credit information stored in the credit rating agency database to provide the loan contract. A credit rating agency server transmitting to the contract management server;
It is connected and communicates with the loan contract management server through a communication means, receives a request signal for virtual currency information held by the contractor transmitted from the loan contract management server, and provides the loan by using the virtual currency information held by the contractor among the virtual currency information stored in the database. Virtual currency management server transmitting to the contract management server;
It is connected and communicates with the loan contract management server through a communication means, receives the policyholder's national tax payment details signal transmitted from the loan contract management server, and manages the loan contract using the policyholder's national tax payment details among the national tax payment details stored in the National Tax Service database. National Tax Service server transmitting to server; and
It is connected and communicates with the loan contract management server through a communication means, receives a request signal for the policyholder's bank transaction details sent from the loan contract management server, and records the policyholder's bank transaction details among the bank transaction details stored in the Korea Credit Information Service server database. Korea Credit Information Service server transmitting to the loan contract management server;
A collateral virtual currency loan system after pre-loan, characterized in that it includes.
According to paragraph 3,
The loan contract management server,
Collateral virtual after pre-loan, characterized in that the loan amount and loan interest rate are calculated based on one or more information selected from the contractor's credit evaluation information, the contractor's virtual currency information, the contractor's national tax payment history, and the bank transaction history information. Currency lending system.
According to paragraph 3,
The external server is,
a notary agency server that is connected to the loan contract management server through a communication means and generates a notarized certificate for virtual currency held by the contractor; or
a guarantee insurance agency server that is connected to the loan contract management server through a communication means and generates a guarantee insurance policy for the virtual currency held by the policyholder;
A collateral virtual currency loan system after pre-loan, characterized in that it further includes.
In the method of loan contract using a collateral virtual currency loan system after pre-loaning,
A pre-loan contract stage in which the contractor accesses the loan contract management server through the contract terminal to apply for a loan contract and concludes a loan contract for a certain period of time;
A maturity date confirmation step of checking whether the loan contract concluded in the advance loan contract step has reached maturity;
A loan repayment confirmation step, which is performed when it is confirmed that the loan contract maturity date has arrived in the maturity date confirmation step, and checks whether the loan amount paid to the policyholder in the advance loan contract step has been repaid; and
It is performed when it is confirmed that the loan amount has not been fully repaid in the loan repayment confirmation step, and includes a counting step of counting the number of times the loan repayment confirmation step has been performed and comparing it with a reference value,
If the value counted in the counting step is less than or equal to the reference value, the loan repayment confirmation step is repeated,
If the value counted in the counting step exceeds the reference value, a deposit contract sell order special contract setting step in which a deposit contract sell order special contract is set for the virtual currency held by the contractor entered by the contractor in the advance loan contract stage;
A loan contract method using a collateral virtual currency loan system after a pre-loan process, characterized in that a process is carried out.
According to clause 6,
The advance loan contract stage is,
A connection step in which the contractor connects to the loan contract management server through the contractor terminal;
A member confirmation step of confirming whether the contractor who accesses the loan contract management server through the contractor terminal is a member registered with the loan contract management server;
In the member status confirmation step, if the contractor connected to the loan contract management server through the contractor terminal is confirmed to be a member, a loan progress screen output step of displaying a screen for proceeding with the loan contract on the contractor terminal;
The contractor's personal information, the type of virtual currency held by the contractor, the contractor's ID and password for accessing the virtual currency management server, and the virtual currency held by the contractor if the loan amount is not repaid after the contract maturity date are entered into the contractor's terminal by the contractor. An input step in which whether or not to agree to the automatic bail contract sale order special contract setting is entered;
The loan contract management server requests the credit information of the policyholder from the credit rating agency server, transmits the credit information of the policyholder from the credit rating agency server to the loan contract management server, and sends the credit information of the policyholder to the credit rating agency server from the loan contract management server. A credit information confirmation step of confirming loan application conditions based on the contractor's credit information transmitted from;
The loan contract management server requests virtual currency information from the virtual currency management server according to the personal information of the contractee entered in the input step, and the loan contract management server requests virtual currency information based on the virtual currency information transmitted from the virtual currency management server. Cryptocurrency information confirmation step to check loan application conditions;
The loan contract management server requests the National Tax Service server for national tax payment details according to the personal information of the contractor entered in the input step, and the loan contract management server sets loan application conditions based on the national tax payment details sent from the National Tax Service server. Verification step of national tax payment details;
The loan contract management server requests bank transaction details from the financial institution server according to the personal information of the policyholder entered in the input step, and the loan contract management server applies for a loan based on the bank transaction details transmitted from the financial institution server. Checking bank transaction details to confirm conditions;
If it is confirmed that a loan is possible by satisfying all the loan application conditions in the credit information confirmation step, the virtual currency information confirmation step, the national tax payment history confirmation step, and the bank transaction history confirmation step, the credit evaluation information, the above A calculation step in which a loanable amount and a loan interest rate are calculated by the loan contract management server based on one or more information selected from virtual currency information and the bank transaction history;
A loan application step in which the loanable amount and the loan interest rate calculated in the calculation step are output to the contractor terminal, and a loan application request is transmitted from the contractor terminal to the loan contract management server;
When the loan contract management server receives a loan application request sent through the loan application step, the loan contract management server and the notary agency server or guarantee insurance agency server communicate and use the virtual currency held by the policyholder entered in the input step as collateral. A notarization or surety insurance policy creation step in which a notary deed or surety insurance policy is created; and
When a notary certificate or guarantee insurance policy is created in the notarization or guarantee insurance policy creation step, the loan contract management server approves the loan contract, and the loan amount is paid in advance to the policyholder on the loan contract start date entered in the input step, thereby completing the loan contract. Loan approval steps to be executed;
A loan contract method using a collateral virtual currency loan system after pre-loan, characterized in that it includes.
In clause 7,
The loan contract method is:
If it is confirmed that the entire loan amount has been repaid in the loan repayment confirmation step above,
A loan contract method using a collateral virtual currency loan system after pre-lending, characterized in that the notary certificate or guarantee insurance policy generated in the notary certificate or guarantee insurance policy creation step is discarded.
According to clause 6,
The loan contract method is:
If it is confirmed that the maturity date has arrived in the maturity date arrival confirmation step, a notification that the maturity date has arrived is sent to the contractor's terminal from the loan contract management server. A loan using a collateral virtual currency loan system after pre-loaning, characterized in that How to contract.
According to clause 6,
The above reference value is,
A loan contract method using a collateral virtual currency loan system after pre-loaning, characterized in that the value is calculated by counting the remaining days from the loan contract expiration point set in the loan contract management server to the loan contract expiration date.
According to clause 6,
The loan repayment confirmation step is,
A loan contract method using a collateral virtual currency loan system after pre-loaning, characterized in that it is re-proceeded 24 hours after the previous loan repayment confirmation step was performed.