WO2020050454A1

WO2020050454A1 - Method for providing bond collection and management service using bond asset-based cryptocurrency issuance

Info

Publication number: WO2020050454A1
Application number: PCT/KR2018/013730
Authority: WO
Inventors: 정길모
Original assignee: 정길모
Priority date: 2018-09-05
Filing date: 2018-11-12
Publication date: 2020-03-12
Also published as: KR102022453B1

Abstract

Provided is a method for providing a bond collection and management service using bond asset-based cryptocurrency issuance, the method comprising the steps of: receiving registration of bond data including a bond amount, a debtor, and a creditor for a bond; issuing a token on the basis of the bond amount of the registered bond data and a preconfigured token issuance index for issuing the number of tokens corresponding to the bond amount, and assigning the issued token to a creditor terminal of the creditor; when all or a part of the bond amount is repaid from the debtor, issuing a virtual currency so that the number of tokens corresponding to a redeemed repayment amount are converted into the virtual currency on the basis of a preconfigured virtual currency index, and transmitting the issued virtual currency to the creditor terminal; and transmitting the virtual currency of a preconfigured percentage of the issued number of virtual currency to a debtor terminal of the debtor.

Description

Method of providing bond collection and management service using issuance of cryptocurrency based on bond assets

The present invention relates to a method for providing a collection and management service of a bond using issuance of a cryptocurrency based on a bond asset, and provides a method of converting the bond into a token that is a proof of ownership and converting the bond into a virtual currency according to the repayment amount.

As the global economy continues to face low growth, countries around the world have introduced negative interest rates, continued to ease quantitative easing, and Korea has entered an era of unprecedented ultra-low interest rates, and the profitability of financial institutions has also decreased. The delay in the recovery of the real economy negatively affects the financial markets, limiting the growth of the financial industry, and increasing the size and proportion of bad debts. We are planning to transfer.

At this time, a method for issuing virtual currency based on card sales receivables has been researched and published. In this regard, prior art Korean Patent Publication No. 2018-0020933 (published on February 28, 2018) is related to card sales issued by Bansa. By issuing a virtual currency using the payment approval information for Korea, it is possible to quickly issue a virtual currency with a sufficient amount of flow necessary to perform the function as a currency, and as a currency to retain the value matched one-to-one with cash, the real currency. It secures safety, and discloses a structure that can provide an effect of depositing immediately to the card sales amount to the card merchant.

However, before the global financial crisis, there was no sharing of information between the real economy and the financial market, but after the global financial crisis that affected the world, information was shared between the real and financial markets to change the structure between the bond market and the real economy. Only after that, the real economy showed predictive power against the bond market, but it was found that the bond market could not penetrate the real economy by not actually affecting the real economy.

According to an embodiment of the present invention, a bond is converted into a token to be issued to a creditor so as to retain the characteristics of an investment equity certificate, and payment is made to the creditor so that the amount of the debtor's repayment can be converted into a virtual currency. When converting, the amount of tokens can be reduced by the amount repaid, thereby providing a method for providing collection and management of bonds using issuance of cryptocurrencies based on bond assets that use cryptocurrencies and tokens to infiltrate bonds into the real economy.

In addition, an embodiment of the present invention, by paying a virtual currency corresponding to a predetermined percentage of the repayment amount to the debtor who repaid, can inspire the motivation to repay the bond through the debt recovery service of the present invention, debt collection This facilitates the provision of a method for providing a collection and management service of bonds using issuance of cryptocurrency based on bond assets. However, the technical problem to be achieved by the present embodiment is not limited to the technical problem as described above, and other technical problems may exist.

As a technical solution for achieving the above-described technical problem, the step of registering bond data including the amount of the bond, the debtor and the creditor, and issuing a number of tokens corresponding to the amount of the registered bond data and the amount of the bond Issuing a token based on the set token issuance index and granting it to the creditor terminal of the creditor, and when repaying part or all of the amount of the bond from the debtor, the number of tokens corresponding to the repaid amount is based on the preset virtual currency indicator It may include issuing a virtual currency to be converted into a virtual currency and transmitting it to a creditor terminal, and transmitting a virtual currency corresponding to a predetermined percentage of the issued number of virtual currency to the debtor terminal.

According to any one of the above-described problem solving means of the present invention, the creditor is converted into a token and issued to the creditor so as to retain the characteristics of the investment equity certificate, and the creditor can convert the amount of the debtor repays into virtual currency. When the money is converted to virtual currency, the amount of tokens is reduced by the amount repaid, so that the bond can be infiltrated into the real economy by using virtual currency and tokens.

In addition, according to any one of the problem solving means of the present invention, the motivation and expectation to repay the bond through the debt recovery service of the present invention by providing a virtual currency corresponding to a predetermined percentage of the repayment amount to the debtor who made the repayment It is possible to provide a method for collecting and managing bonds using issuance of cryptocurrency based on bond assets, which facilitates collection of debts by encouraging.

1 is a view for explaining a system for providing a bond collection and management service using issuance of a cryptocurrency based on a bond asset according to an embodiment of the present invention.

FIG. 2 is a block diagram for explaining a server for providing a debt recovery service included in the system of FIG. 1.

3A to 3D are diagrams for explaining an embodiment in which a debt collection service using a bond asset-based cryptocurrency issuance according to an embodiment of the present invention is implemented.

4 is a diagram illustrating a process in which data is transmitted and received between each component included in a system for providing a collection and management service for a bond using issuance of a cryptocurrency based on the bond asset of FIG. 1 according to an embodiment of the present invention.

5 is an operation flow chart for explaining a method for providing a debt collection and management service using issuance of a cryptocurrency based on a bond asset according to an embodiment of the present invention.

According to an embodiment of the present invention, the step of registering the bond data for the bond, including the debtor and the creditor, the predetermined token issuance index for issuing the number of tokens corresponding to the bond amount and the amount of the registered bond data Issuing a token based on granting to the creditor terminal of the creditor, and when repaying part or all of the amount of the bond from the debtor, the number of tokens corresponding to the repaid amount to be converted into virtual currency based on the preset virtual currency index Issuing a virtual currency and transmitting it to the creditor terminal, and transmitting the virtual currency for a predetermined percentage of the issued number of virtual currency to the debtor terminal. It is possible to provide a delivery method.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art to which the present invention pertains can easily practice. However, the present invention can be implemented in many different forms and is not limited to the embodiments described herein. In addition, in order to clearly describe the present invention in the drawings, parts irrelevant to the description are omitted, and like reference numerals are assigned to similar parts throughout the specification.

Throughout the specification, when a part is "connected" to another part, it includes not only "directly connected" but also "electrically connected" with another element in between. . Also, when a part is said to “include” a certain component, it means that the component may further include other components, not to exclude other components, unless otherwise stated. However, it should be understood that the existence or addition possibilities of numbers, steps, actions, components, parts or combinations thereof are not excluded in advance.

The terms "about", "substantially", and the like used throughout the specification are used in or at a value close to that value when manufacturing and substance tolerances specific to the stated meaning are given, and the understanding of the invention To aid, accurate or absolute figures are used to prevent unconscionable abusers from unduly using the disclosed disclosure. The term "~ (step)" or "step of" as used in the entire specification of the present invention does not mean "step for".

In the present specification, the term “unit” includes a unit realized by hardware, a unit realized by software, and a unit realized by using both. Further, one unit may be realized by using two or more hardware, and two or more units may be realized by one hardware.

In the present specification, some of the operations or functions described as performed by the terminal, the device, or the device may be performed instead on the server connected to the corresponding terminal, device, or device. Similarly, some of the operations or functions described as being performed by the server may be performed in a terminal, apparatus, or device connected to the corresponding server.

In this specification, some of the operations or functions described as mapping or matching with the terminal means that the unique number of the terminal or identification information of the individual, which is the identification data of the terminal, is mapped or matched. Can be interpreted as

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

1 is a view for explaining a system for providing a debt recovery service using issuance of cryptocurrency based on a bond asset according to an embodiment of the present invention. Referring to FIG. 1, a system for providing a debt recovery service using issuance of a cryptocurrency based on a bond asset, at least one creditor terminal 100, a debt recovery service providing server 300, and at least one debtor terminal 400 , And at least one manager terminal 500. However, the system 1 for providing a debt recovery service using the issuance of cryptocurrency based on the bond asset of FIG. 1 is only an embodiment of the present invention, and thus the present invention is not limitedly interpreted through FIG. 1.

At this time, each component of FIG. 1 is generally connected through a network (network, 200). For example, as illustrated in FIG. 1, at least one creditor terminal 100 may be connected to the credit collection service providing server 300 through the network 200. In addition, the debt recovery service providing server 300 may be connected to at least one creditor terminal 100, at least one debtor terminal 400, and at least one manager terminal 500 through the network 200. In addition, the at least one debtor terminal 400 may be connected to the debt recovery service providing server 300 through the network 200. In addition, the at least one manager terminal 500 may be connected to at least one creditor terminal 100, a debt recovery service providing server 300, and at least one debtor terminal 400 through the network 200.

Here, the network refers to a connection structure capable of exchanging information between each node, such as a plurality of terminals and servers, and examples of such a network include RF, 3rd Generation Partnership Project (3GPP) network, and Long Term (LTE). Evolution network, 5th Generation Partnership Project (5GPP) network, World Interoperability for Microwave Access (WIMAX) network, Internet, Local Area Network (LAN), Wireless Local Area Network (WLAN), Wide Area Network (WAN) , PAN (Personal Area Network), Bluetooth (Bluetooth) network, NFC network, satellite broadcasting network, analog broadcasting network, DMB (Digital Multimedia Broadcasting) network and the like, but is not limited thereto.

In the following, the term at least one is defined as a term including a singular number and a plural number, and even if the term at least one term does not exist, each component may exist in a singular or plural number, and may mean a singular or plural number It will be self-evident. In addition, the singular or plural elements may be changed according to embodiments.

The at least one creditor terminal 100 may be the terminal of the creditor who registered the bond or requested the bond recovery using a web page, app page, program or application related to the collection and management of the bond using the issuance of cryptocurrency based on the bond asset. have. At this time, the at least one creditor terminal 100 may be a terminal that pays a predetermined fee in proportion to the amount of the bond to the debt recovery service providing server 300. And, at least one creditor terminal 100, the token corresponding to the amount of the bond can be issued from the debt recovery service providing server 300, the token is inversely proportional to the ratio of the debtor of the debtor terminal 400, and virtual The currency may be a terminal of the creditor holding the total amount equal to the amount of the bond in proportion to the currency. In addition, the at least one creditor terminal 100 may be a terminal that pays a portion of the virtual currency, which is the amount repaid each time the debtor terminal 400 repays, as a fee to the debt recovery service providing server 300, It may vary depending on the redemption contract and is not limited to the method described above.

Here, the at least one creditor terminal 100 may be implemented as a computer capable of accessing a remote server or terminal through a network. Here, the computer may include, for example, a navigation, a laptop equipped with a web browser, a desktop, a laptop, and the like. At this time, the at least one creditor terminal 100 may be implemented as a terminal capable of accessing a remote server or terminal through a network. The at least one creditor terminal 100 is, for example, a wireless communication device in which portability and mobility are guaranteed, navigation, PCS (Personal Communication System), GSM (Global System for Mobile communications), PDC (Personal Digital Cellular), Personal Handyphone System (PHS), Personal Digital Assistant (PDA), International Mobile Telecommunication (IMT) -2000, Code Division Multiple Access (CDMA) -2000, W-Code Division Multiple Access (W-CDMA), Wireless Broadband Internet ) It may include all kinds of handheld-based wireless communication devices such as a terminal, a smartphone, a smartpad, and a tablet PC.

The debt recovery service providing server 300 may be a server that provides a debt recovery and management service web page, app page, program, or application using bond asset-based cryptocurrency issuance. In addition, the bond collection service providing server 300 may be a server that registers a bond when the bond is purchased or registered from the creditor terminal 100 and the registered document or the like is reviewed and approved by the manager terminal 500. In addition, the debt recovery service providing server 300 issues a token corresponding to the amount of the bond to the creditor terminal 100 based on the token issuance indicator, and when the debtor terminal 400 repays the virtual currency corresponding to the payment amount The server may be issued and paid to the creditor terminal 100. In addition, the debt recovery service providing server 300 may be a server that removes the risk of forgery and alteration by recording transaction history in the blockchain and forcibly fulfills the debtor's contract through a smart contract. In addition, the debt recovery service providing server 300 may be a server that pays the debtor terminal 400 by issuing a virtual currency corresponding to a predetermined percentage of the debt amount when the debtor terminal 400 repays the debt. .

Here, the bond collection service providing server 300 may be implemented as a computer capable of accessing a remote server or terminal through a network. Here, the computer may include, for example, a navigation, a laptop equipped with a web browser, a desktop, a laptop, and the like.

The at least one debtor terminal 400 may be a debtor's terminal using a web page, an app page, a program, or an application related to a debt collection and management service using issuance of a cryptocurrency based on a bond asset. At this time, the at least one debtor terminal 400 can be repaid to the debt recovery service providing server 300 and receives virtual currency corresponding to a predetermined percentage of the repaid amount from the debt recovery service providing server 300 It may be a terminal, or may be a terminal that stores the transaction history for the reimbursed amount as at least one node in the blockchain.

Here, the at least one debtor terminal 400 may be implemented as a computer that can access a remote server or terminal through a network. Here, the computer may include, for example, a navigation, a laptop equipped with a web browser, a desktop, a laptop, and the like. At this time, the at least one debtor terminal 400 may be implemented as a terminal that can access a remote server or terminal through a network. The at least one debtor terminal 400 is, for example, a wireless communication device in which portability and mobility are guaranteed, such as navigation, Personal Communication System (PCS), Global System for Mobile communications (GSM), Personal Digital Cellular (PDC), Personal Handyphone System (PHS), Personal Digital Assistant (PDA), International Mobile Telecommunication (IMT) -2000, Code Division Multiple Access (CDMA) -2000, W-Code Division Multiple Access (W-CDMA), Wireless Broadband Internet ) It may include all kinds of handheld-based wireless communication devices such as a terminal, a smartphone, a smartpad, and a tablet PC.

FIG. 2 is a block diagram for explaining a server for providing a debt recovery service included in the system of FIG. 1, and FIGS. 3A to 3D are a bond recovery and management service using issuance of cryptocurrency based on a bond asset according to an embodiment of the present invention Is a diagram for explaining an embodiment implemented.

Referring to FIG. 2, the debt recovery service providing server 300 may include a registration unit 310, a granting unit 320, an issuing unit 330, and a transmitting unit 340.

At least one creditor terminal 100, at least one debtor terminal 400, and at least one credit card collection service providing server 300 or another server (not shown) operating in conjunction with an embodiment of the present invention When transmitting an application, program, app page, web page, etc., using a blockchain-based token and virtual currency to the manager terminal 500, at least one creditor terminal 100 and at least one debtor terminal 400 , And at least one manager terminal 500 may install or open a bond recovery service application, program, app page, web page, etc. using a blockchain-based token and virtual currency. In addition, the service program may be driven in at least one creditor terminal 100, at least one debtor terminal 400, and at least one manager terminal 500 using a script executed in a web browser. Here, the web browser is a program that enables the use of the World Wide Web (WWW) service, and refers to a program that receives and displays hypertext described in HTML (hyper text mark-up language), for example, Netscape. , Explorer, chrome and the like. In addition, an application means an application on a terminal, and includes, for example, an app running on a mobile terminal (smartphone).

Referring to FIG. 2, the registration unit 310 may register bond data including a bond amount for a bond, a debtor, and a creditor. When registering the bond data including the amount of the bond, the debtor and the creditor, the registration unit 310 may verify the registered bond data and documents from the administrator terminal managing the bond and obtain approval. In other words, the person in charge or the manager can review the documents to see if there are any false entries or counterfeiting, and grant the token or proceed with the process of issuing virtual currency according to redemption.

At this time, the bond is defined as a claim as a right that a creditor can claim to perform a certain act against the debtor, and the bond is a right that allows a specific act to be performed against a person (the debtor). In other words, bonds have the essence that the contents of rights are expected to be realized only by mediating the actions of the debtors. At this time, a specific act includes both a triviality or a position, and the purpose is achieved by the arbitrary performance of the ordinary debtor, but if there is no arbitrary performance, the creditor requests the court to make a judgment ordering the performance of the action to the debtor. It is also possible to enforce, based on the final judgment. At this time, a specific act is called pay or pay, and this pay is the purpose and content of the bond, and the pay includes the pay action and the pay result, which is included in the bond data.

The granting unit 320 may issue a token based on a preset token issuance index for issuing a number of tokens corresponding to the amount of the bond and the amount of the bond in the registered bond data and grant it to the creditor terminal 100 of the creditor. At this time, when explaining the difference between the coin and the token, the coin serves as a currency as a unit of virtual currency, but the token can be defined as not having the role of currency, although it was developed with the purpose of being used as a currency. For example, although it is currently prohibited in Korea, tokens on ICO (Initial Coin Offering; ICO) have equity securities and token sale or coin sale to raise funds for performing the project in the early stages of development. Proceeding with (Coin Sale) is called initial coin release or new coin listing (ICO), and coin sale was originally used as a funding means for the development of specific virtual currency. The current ICO has been further developed here and has been confirmed as a token sale for the development of new blockchains and other projects. Coins in token sale or coin sale are different from cryptocurrency or cryptocurrency.

That is, in the case of selling the developed coin to the public for the first time, depending on the point of view, the coin itself is not yet functioning as a currency because it was developed with the purpose of being used as a currency in a virtual world. In addition, it is understood that the coin here includes the concept of a token. In other words, an investor who has invested in money or cryptocurrency is provided with tokens as a means to prove the investment, so it is also an ICO to issue tokens for the first time to raise funds. The most widely used field of these token ICOs is the type of ICO, and the Ethereum blockchain platform makes it easy to proceed with the token ICO.

As described above, tokens, unlike general cryptocurrencies or cryptocurrencies, function as proof of investment, such as proof of investment and proof of investment, so there is no real value to invest or buy goods with the token itself. will be. Accordingly, the granting unit 320 issues tokens corresponding to the amount of the bond to the creditor because it has not yet been recovered by the debtor, and can be used as a means to prove (investment proof) that the bond is held, and thereafter the debtor In case of repayment, it can be converted into a virtual currency corresponding to the amount of repayment. However, tokens may be applicable to securities, which are a kind of financial investment products under the Korean Capital Market Act, and may have equity securities that can be distributed or transferred, but do not have the means of payment.

At this time, the token issuance index may mean a conversion ratio between the legal currency and the token, but is not limited thereto. Accordingly, the conversion ratio may be set by the issuing business when a token is newly issued, or may be set based on the current token price in the case of an existing token, or may be fixed or flexible. Accordingly, the creditor terminal 100 may be issued a token to prove the equity securities, and may be used as a basis for the subsequent debtor to repay.

When the issuer 330 repays part or all of the amount of the bond from the debtor, the issuing unit 330 issues the virtual currency to convert the number of tokens corresponding to the repaid amount into the virtual currency based on the preset virtual currency index, and the creditor terminal ( 100). At this time, if some or all of them are repaid, the legal currency with the real value of the repaid can be converted into a virtual currency, and the repaid amount of the receivable is extinguished due to the performance of the debtor's payment and achievement of the purpose of the token. Equity securities are also converted into virtual currency, that is, the amount of redemption is reduced. At this time, the virtual currency index may be fixed or floating depending on the current market price, such as the token issuance index, and the exchange rate between the legal currency and the virtual currency may be applied. At this time, the creditor terminal 100 may register the wallet address and receive the virtual currency in its own electronic wallet.

Also, the transmission unit 340 may transmit the virtual currency corresponding to a preset percentage of the issued number of virtual currency to the debtor terminal 400 of the debtor. For example, a predetermined percentage of the repaid amount, for example, 5%, may be paid in virtual currency. Through this, it is possible to promote the performance of the debt of the debtor terminal 400. At this time, the issued number of tokens and virtual currency may be set to have the same value as the bond amount when converted into the legal currency by the token issuance index and the virtual currency index, respectively, and the issued token may be transferable. And, as described above, the virtual currency can be issued in proportion to the amount repaid by the debtor.

On the other hand, the creditor's creditor terminal 100, the debtor's debtor terminal 400, and the debt recovery service providing server 300 are connected to a p2p (peer-to-peer) to the blockchain network, including tokens, virtual currency, and bond amount Bond data can be stored to be distributed to at least one node included in the blockchain. Blockchain can neutralize the role of a trusted central party, so the emergence of a new type of highly efficient database system ultimately replaces the financial services that depended on the central management system, and eventually the consumer's financial transaction pattern. Can change. In other words, since the blockchain does not require an authorized third party, it is possible to reduce the time and cost (fees) required by an authorized third party to verify the transaction and keep the results, and to make all transactions to the nodes of all trading participants. Since there is no record of access and no access restrictions, it is possible to block the voice of the transaction, which can be said to be essential for financial transactions where transparency is important. Blockchain is a continuously accumulated list of data records that can be used as an effective means of monitoring transactions because it cannot be manipulated by the operator, and since proven data is permanently stored and has immutable characteristics, it is useful for tracking transactions. It can be useful, but if a regulator finds a suspicious or illegal transaction, the regulator can look at the transaction and discover illegal traders.

Since blockchain participants share books and disclose all records, the supervisory authority can also monitor through statistical analysis in real time, and the parties to the transaction unlock the securities or cash with a private key to enter into the transaction. After signing and transferring ownership to the recipient with a public key, the regulator can identify the real trading party through the public key. Easier to get rid of market order disruptors. In order to distinguish this from the private blockchain to be described later, it is defined as a public blockchain.

In addition to this, the present invention may further use a private blockchain, which may be defined as a network that shares bond data, redemption data, collection data, etc. with each debtor, collection company, and creditor as a node. It consists of a network that is not disclosed and only held between each company or the subject of the claim, and the function may include all the functions of the above-described blockchain. In addition, the private blockchain is an enterprise-type blockchain in which a company controls everything according to an embodiment of the present invention, and can be defined as an existing centralized database to which the function of cryptographic auditability is added, and is centralized. While maintaining the role of management, it can be introduced for the purpose of improving the security of the existing centralized method and solving the limitations of process processing, etc.Because it is a blockchain designed to suit the purpose and characteristics of specific institutions and companies, it is a blockchain This branch is possible without implementing all of the characteristics such as openness and dispersibility, but it is as described above that all the characteristics can be implemented. At this time, the private blockchain is not required to be issued if there is no economic basis for issuing coins, because the operation node on the network is limited to each company or the subject of the claim. In addition, the private blockchain may be a suitable method for distributing and managing data.

On the other hand, a smart contract can be said to be an implementation of a contract based on an agreement, for example, when natural disasters occur, insurance companies automatically pay insurance premiums. At this time, there is no need for a separate administrator, so it is also called a Decentralized Autonomous Organization (DAO), or it is defined as a protocol for digitally negotiating contracts. Reliable transactions can be made without third-party intervention, and these transactions are traceable and unchangeable. In an embodiment of the present invention, as a method for implementing a smart contract, generating a smart contract such as multisignature accounts, payment channels, escrow, time locks, etc. To do this, you can use the Tuning-incomplete Script language.

To this end, an embodiment of the present invention, the processing order of the smart contract can be set in the order of programming code writing, code signing, blockchain storage, execution (contract signing and digital signature), where the code executed and the result are Included in the transaction, it is stored in a database on a chained block to be shared by all participants, and can be configured to be modified only without adding the contents of the contract. Here, participants interact with the wallet address created by public key cryptography with the blockchain to sign a contract and electronically sign it. In order to maintain security using blockchain technology, legal principles such as written contract terms, contract execution, third party transaction relationships, and non-compliance responsibilities can be reflected. Secure security protocols can be added. Thus, smart contracts are based on written contracts, formalized forms and controls required in traditional contractual arrangements, but in principle using cryptography and other security mechanisms to breach contracts, third party eavesdropping or malicious interference, From time to time, user interface and algorithm specifications, technical stability can be considered.

Hereinafter, the operation process according to the configuration of the above-described bond collection service providing server of FIG. 2 will be described in detail with reference to FIGS. 3A to 3D. However, the embodiment is only one of various embodiments of the present invention, it will be apparent that it is not limited thereto.

First, referring to FIG. 3A, it is assumed that the debtor borrowed 4 million won from the creditor, and that the debtor was issued a bond worth 4 million won and there was no interest. Of course, it does not exclude the case of interest or fee, and it is assumed as described above for convenience of explanation.

At this time, as shown in FIG. 3B, when a bond is registered in the debt recovery service providing server 300, the administrator of the debt recovery service providing server 300 reviews the documents related to the bond certificate, the creditor and the debtor, and proves the stake The token is issued to prove investment equity worth 4 million won based on the token issuance index, and is transmitted to the creditor terminal 100.

And, as shown in Figure 3c, when the debtor repays one million won of the total amount of debt, the debt recovery service providing server 300 decreases tokens by one million won and issues virtual currency of one million won or current price The amount of virtual currency corresponding to the creditor terminal 100 is transmitted. At this time, the debt recovery service providing server 300 may pay the virtual currency corresponding to a predetermined percentage of the amount repaid to the debtor terminal 100.

And, as shown in Figure 3d, the debt recovery service providing server 300 decreases the token amount by 3 million won to the creditor terminal 100 similarly when the debtor repays all the amount of the bond, i.e., pays the remaining 3 million won. And provide 3 million won of virtual currency according to the virtual currency index, and can pay the debtor a preset percentage of 3 million won.

2 and 3a to 3d, the method of providing the debt recovery service using the issuance of the cryptocurrency based on the bond asset is not described. The following description is omitted because it can be easily inferred from the same or described contents.

4 is a diagram illustrating a process in which data is transmitted and received between each component included in a system for providing a debt recovery service using issuance of a cryptocurrency based on the bond asset of FIG. 1 according to an embodiment of the present invention. Hereinafter, an example of a process in which data is transmitted and received between each component will be described with reference to FIG. 4, but the present disclosure is not limited to the above-described embodiments, and is illustrated in FIG. 4 according to the various embodiments described above. It is apparent to those skilled in the art that the process of transmitting and receiving data may be changed.

Referring to FIG. 4, when the creditor and the debtor form a bond-debt relationship (S4100), and the debtor or the creditor registers the bonds and documents corresponding to the claim of the bond-debt with the manager terminal 500 (S4200), the manager The terminal 500 checks the authenticity of the document or rights relationship by reviewing and verifying the document (S4300), and when approving the collection of the bond (S4400), the creditor terminal 100 uses the token corresponding to the amount of the bond to the token issuance index. By switching to (S4500), issued to the creditor terminal (100) (S4600).

At this time, the debt recovery service providing server 300, when repaying at the debtor terminal 400 (S4700), converted to the virtual currency corresponding to the repayment amount through the virtual currency index (Index) (S4800), issued The provided currency is provided to the creditor terminal 100, but the token is reduced by the amount converted to the virtual currency (S4820). Then, the debt recovery service providing server 300 grants the virtual currency corresponding to a preset percentage of the repaid amount to the debtor terminal 400 and records the transaction record on the blockchain (S4830, S4900). This process is repeated until the debtor fulfills the debt of repaying all bonds including interest or fees (S4910), and when the repayment is completed, the fee can be settled (S4920) and the fee is settled in real time when repayment is made. It may be, or it may be settled all at once after the repayment is completed.

The order between the above-described steps (S4100 to S4920) is only an example, and is not limited thereto. That is, the order between the above-described steps (S4100 to S4920) may be mutually variable, some of which may be executed or deleted simultaneously.

The method of providing the debt recovery service using the issuance of the cryptocurrency based on the bond asset of FIG. 4 is not described in the method of providing the debt recovery service using the issuance of the cryptocurrency based on the bond asset through FIGS. 1 and 3A to 3D. The following description is omitted because it can be easily inferred from the same or described contents.

5 is an operation flowchart for explaining a method for providing a debt recovery service using issuance of cryptocurrency based on a bond asset according to an embodiment of the present invention. Referring to FIG. 5, the debt recovery service providing server receives the bond data including the amount of the bond, the debtor and the creditor for the bond (S5100).

Then, the debt recovery service providing server issues the token based on a preset token issuance index for issuing the number of tokens corresponding to the amount of the bond and the amount of the registered bond data and grants it to the creditor terminal of the creditor (S5200) In case of repaying part or all of the receivable amount from the debtor, a virtual currency is issued and transmitted to the creditor terminal so that the number of tokens corresponding to the repaid repayment amount is converted into the virtual currency based on the preset virtual currency index (S5300).

Finally, the debt recovery service providing server transmits virtual currency equal to a predetermined percentage of the issued number of virtual currency to the debtor's terminal (S5400).

The method of providing the debt recovery service using the issuance of the cryptocurrency based on the bond asset of FIG. 5 is not described above. Since the contents can be easily inferred from the same or described contents, the following description will be omitted.

The method for providing a debt recovery service using the issuance of cryptocurrency based on the bond asset according to the embodiment described with reference to FIG. 5 is in the form of a recording medium including instructions executable by a computer, such as an application or program module executed by the computer Can also be implemented. Computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. In addition, computer-readable media may include any computer storage media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data.

The method for providing a debt recovery service using the issuance of a cryptocurrency based on a bond asset according to an embodiment of the present invention described above may include an application installed in the terminal (this may include a program included in a platform or an operating system basically installed in the terminal). It may be executed by an application (i.e., a program) installed directly on the master terminal through an application providing server such as an application store server, an application or a web server related to a corresponding service. In this sense, the method for providing a debt recovery service using a blockchain-based token and virtual currency according to an embodiment of the present invention described above is implemented as an application (that is, a program) basically installed on a terminal or directly installed by a user, It may be recorded on a computer-readable recording medium such as E.

The above description of the present invention is for illustration only, and those of ordinary skill in the art to which the present invention pertains can understand that it can be easily modified into other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the embodiments described above are illustrative in all respects and not restrictive. For example, each component described as a single type may be implemented in a distributed manner, and similarly, components described as distributed may be implemented in a combined form.

The scope of the present invention is indicated by the following claims rather than the above detailed description, and it should be interpreted that all changes or modified forms derived from the meaning and scope of the claims and equivalent concepts thereof are included in the scope of the present invention. do.

According to an embodiment of the present invention, converting a bond into a token and issuing it to the creditor so as to retain the characteristics of the investment equity certificate, and paying the amount of the amount the debtor repays to the virtual currency to the creditor to be converted into virtual currency When converting, the amount of tokens can be reduced by the amount repaid, so that bonds can be infiltrated into the real economy using virtual currency and tokens. In addition, by providing a virtual currency corresponding to a predetermined percentage of the repayment amount to the debtor who made the repayment, it is possible to inspire motivation and expectation to repay the bond through the debt recovery service of the present invention, thereby making it easier to collect bonds. It can provide a method of collecting and managing bonds using asset-based cryptocurrency issuance.

Claims

In the method for providing a debt recovery service executed in the debt recovery service providing server,

Receiving bond data including the amount of the debt on the bond, the debtor and the creditor;

Issuing a token based on a preset token issuance index for issuing a number of tokens corresponding to the amount of the bond and the amount of the bond of the registered bond data, and granting it to the creditor terminal of the creditor;

When repaying a part or all of the amount of the bond from the debtor, issuing a virtual currency to convert the number of tokens corresponding to the repaid amount into a virtual currency based on a preset virtual currency indicator, and transmitting it to the creditor terminal; And

Transmitting as many as a predetermined percentage of the issued number of virtual currencies to the debtor terminal of the debtor;

Including, bond recovery and management service providing method using the issuance of cryptocurrency based on bond assets.
The method of claim 1,

The issued number of tokens and virtual currency are set to have the same value as the bond amount when converted into legal currency by the token issuance index and virtual currency index, respectively. How to provide management services.
The method of claim 1,

The issued token is transferable, and a method for providing a bond collection and management service using issuance of a cryptocurrency based on a bond asset.
The method of claim 1,

The virtual currency is issued in proportion to the amount repaid by the debtor, a method for providing a bond collection and management service using issuance of a cryptocurrency based on a bond asset.
The method of claim 1,

The step of receiving the bond data for the bond, including the debtor and the creditor, is registered,

Obtaining the approval by verifying the registered bond data and documents from the manager terminal managing the bond;

A method of providing a debt recovery and management service using issuance of cryptocurrency based on a bond asset, which includes the.
The method of claim 1,

The creditor terminal of the creditor, the debtor terminal of the debtor, and the server for providing the debt recovery service are connected to a blockchain network with a p2p (peer-to-peer) connection to include bond data including the token, virtual currency, and bond amount in the blockchain A method of collecting and managing bonds using issuance of cryptocurrency based on bond assets, which is to be distributed to be distributed among at least one node.
The method of claim 1,

The creditor terminal of the creditor, the debtor terminal of the debtor, and the server for providing the debt recovery service are connected to the blockchain and are forced to fulfill the contents of the bond by a smart contract, a bond using bond asset-based cryptocurrency issuance How to provide recovery and management services.