WO2020059947A1

WO2020059947A1 - Method for providing contract management service for p2p claim and obligation using blockchain-based virtual currency

Info

Publication number: WO2020059947A1
Application number: PCT/KR2018/012815
Authority: WO
Inventors: 정길모
Original assignee: 정길모
Priority date: 2018-09-19
Filing date: 2018-10-26
Publication date: 2020-03-26
Also published as: KR102022462B1

Abstract

The present invention relates to a method for providing a contract management service for P2P claim and obligation using a blockchain-based virtual currency, wherein the service manages a bond generated by an interindividual lending.

Description

Method of providing contract management service of P2P bond debt using blockchain-based virtual currency

The present invention relates to a method of providing a contract management service for P2P bond debt using a blockchain-based virtual currency, and provides a method for managing bonds generated by inter-personal money loans.

Currently, the financial industry is evolving into a fintech industry that combines finance and advanced information technology, and among them, the areas of peer-to-peer financing and peer-to-peer lending are the fastest growing fintech. Field. P2P lending refers to a loan brokerage service in which a large number of unspecified borrowers and borrow interest by a P2P platform company when the borrowers (borrowers) apply for a loan through the Internet and mobile P2P platforms. Automating all loan processes through an online marketplace minimizes unnecessary expenses such as branch operating costs, labor costs, and loan operating costs, providing lower interest rates to lenders and higher returns to investors. Also, the history of P2P loans is independent of the credit rating, and the credit rating can be increased if the loan is successfully repaid.

At this time, a method of managing P2P loans has been steadily developed. In this regard, in Korean Patent Publication No. 2018-0098105 (published on September 03, 2018), which is a prior art, from a P2P platform where a financial institution and a money management contract have been executed. In the case of generating the ledger of the investor with the investor's list of investors, and receiving the borrower's loan ledger information generated by the lender according to the loan agreement between the borrower and the lender by intermediary of the P2P platform, borrowing the loan based on the ledger Managed to deposit to the account of the bank, lenders create loan ledgers by signing loan agreements with borrowers by relaying the P2P platform, register to sell principal and receivables on the P2P platform, and the P2P platform responds to investment requests from investors The company has begun to sell the principal and interest payment rights to investors.

However, if repayment management is required due to a true P2P, that is, a bond debt relationship between signatures has already occurred, the individual who is a creditor must request the intervention of public power to order the performance of the bond due in the bond debt relationship. In the event that an individual is wasting more money and time than the amount of the bond, even if the enforceable judgment is confirmed, the process of executing the enforced and disposable prohibition is required to be reinstated. to be. In addition, even when trying to sell bonds between individuals, if the debtor does not set the collateral or does not have the ability to repay, it is currently sold at a bargain price or even sold, and eventually returns to the creditor's burden.

According to an embodiment of the present invention, a debt management relationship generated in a P2P money transaction is commercialized as a virtual currency to manage a contract, thereby providing a service for a new credit society and providing additional revenue generation. Manage the execution of the contract, convert the bond to a token to the creditor, issue it to the creditor to retain the characteristics of investment equity, convert the amount of the debtor's repayment into virtual currency and pay it to the creditor at the same time It is possible to provide a method of providing a contract management service for P2P bond debt using a blockchain-based virtual currency, which reduces the amount of tokens by the amount repaid, allowing the bond to penetrate the real economy using virtual currency and tokens. 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 means for achieving the above-described technical problem, an embodiment of the present invention, receiving the money transaction data including the money transaction in which the debt bond between individuals occurs from the creditor terminal, included in the received money transaction data Issuing a token to the creditor's terminal based on the amount of the bond and a predetermined token issuance index for issuing the number of tokens corresponding to the amount of the bond, and contract management including the debtor's debt performance according to the agreement included in the money transaction data Step of performing, when the creditor receives the bond amount repayment from the debtor, receiving funds corresponding to the amount of the bond from the creditor terminal to a preset account, and based on the preset virtual currency index number of tokens corresponding to the repayment amount Issuing the virtual currency to be converted to the virtual currency to transfer to the creditor terminal It includes.

According to any one of the above-described problem solving means of the present invention, it is possible to provide services for a new credit society and provide additional revenue generation by commercializing the bond debt relationship arising from P2P money transactions as a virtual currency and managing contracts. The debtor manages to execute the contract according to the agreement, and the creditor converts the bond into a token, issues it to the creditor to retain the characteristics of the investment equity, and converts the amount of the debtor's repayment into virtual currency. At the same time as the payment to the creditors, the amount of tokens is reduced by the amount repaid, and the cryptocurrency and tokens are used to infiltrate the bonds into the real economy.

1 is a view for explaining a system for providing a contract management service of P2P bond debt using a blockchain-based virtual currency according to an embodiment of the present invention.

FIG. 2 is a block diagram illustrating a contract management service providing server included in the system of FIG. 1.

3 to 5 are diagrams for explaining an embodiment in which a contract management service using a blockchain-based token and a virtual currency according to an embodiment of the present invention is implemented.

6 is a diagram illustrating a process in which data is transmitted and received between each of the components included in the contract management service providing system for P2P bond debt using the blockchain-based virtual currency of FIG. 1 according to an embodiment of the present invention.

7 is an operation flowchart for explaining a method of providing a contract management service of P2P bond debt using a blockchain-based virtual currency according to an embodiment of the present invention.

The present invention provides a method for providing a contract management service executed in a contract management service providing server, the method comprising: receiving money transaction data from a creditor terminal including money transaction in which debt bonds between individuals occur; Issuing a token to the creditor terminal based on the amount of the bond included in the received money transaction data and a preset token issuance index for issuing a number of tokens corresponding to the amount of the bond; Performing contract management including the performance of the debtor's debt according to the agreement included in the money transaction data; When the creditor receives the repayment of the bond amount from the debtor, depositing funds corresponding to the bond amount from the creditor terminal to a preset account; And issuing a virtual currency to convert the number of tokens corresponding to the redemption amount to a virtual currency based on a preset virtual currency index, and transmitting the virtual currency to the creditor terminal. It is intended to provide a method for providing a contract management service of P2P bond debt using a blockchain-based virtual currency, including a.

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, this 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 contract management service of P2P bond debt using a blockchain-based virtual currency according to an embodiment of the present invention. Referring to FIG. 1, a system for providing a contract management service for a P2P bond debt using a blockchain-based virtual currency, at least one creditor terminal 100, a contract management service providing server 300, and at least one debtor terminal 400, and at least one affiliate bank server 500. However, the contract management service providing system 1 for P2P bond debt using the blockchain-based virtual currency 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 contract management service providing server 300 through the network 200. In addition, the contract management service providing server 300 may be connected to at least one creditor terminal 100, at least one debtor terminal 400, and at least one affiliate bank server 500 through the network 200. Also, the at least one debtor terminal 400 may be connected to the contract management service providing server 300 through the network 200. Further, the at least one affiliate bank server 500 may be connected to at least one creditor terminal 100, the contract management service providing server 300, and the at least one debtor terminal 400 through the network 200.

Here, the network means 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, 3GPP (3rd Generation Partnership Project) network, and LTE (Long Term) Evolution network, 5GPP (5rd Generation Partnership Project) network, WIMAX (World Interoperability for Microwave Access) network, Internet (Internet), Local Area Network (LAN), Wireless Local Area Network (LAN), 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.

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, it may be said that each component is provided in a singular or plural form, depending on the embodiment.

The at least one creditor terminal 100 is a terminal of a creditor who registers a bond using a blockchain-based virtual currency contract management service-related web page, app page, program or application, or requests a bond recovery. You can. 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 contract management 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 contract management 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. Further, the at least one creditor terminal 100 may be a terminal that pays a portion of the virtual currency, which is the amount of repayment, whenever the debtor terminal 400 repays it as a fee to the contract management 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, navigation, a laptop equipped with a web browser (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 contract management service providing server 300 may be a server that provides a P2P bond debt contract management service web page, app page, program, or application using a blockchain-based virtual currency. In addition, the contract management service providing server 300 may be a server that registers bonds when the bonds are purchased or registered from the creditor terminal 100 and the registered bank documents 500 are reviewed and approved. . In addition, the contract management 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 contract management service providing server 300 may be a server that removes the risk of forgery and alteration by recording the transaction history in the blockchain, and forcibly fulfills the debtor's contract through a smart contract. In addition, the contract management service providing server 300 may be a server that pays the debtor terminal 400 by issuing a virtual currency corresponding to a preset percentage of the debt amount when the debtor terminal 400 repays the debt. .

Here, the contract management 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, navigation, a laptop equipped with a web browser (WEB Browser), a desktop, a laptop, and the like.

The at least one debtor terminal 400 may be a terminal of a debtor using a web page, an app page, a program or an application related to a contract management service of P2P bond debt using a blockchain-based virtual currency. At this time, the at least one debtor terminal 400 can be repaid to the contract management service providing server 300 and receives virtual currency corresponding to a preset percentage of the repaid amount from the contract management 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, navigation, a laptop equipped with a web browser (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.

Affiliate bank server 500 provides an account necessary for liquidating the bond and debt relationship between the creditor and the debtor, and informs the contract management service providing server 300 when deposit or remittance is made, and the contract management service providing server 300 In the case of requesting a virtual account from, it may be a server that generates an individual virtual account according to the purpose of deposit or remittance and transmits it to the contract management service providing server 300. Here, the affiliate bank server 500 may be implemented as a computer that can access a remote server or terminal through a network. Here, the computer may include, for example, navigation, a laptop equipped with a web browser (WEB Browser), a desktop, a laptop, and the like.

FIG. 2 is a block diagram illustrating a contract management service providing server included in the system of FIG. 1, and FIGS. 3 to 5 are contract management services using a blockchain-based token and virtual currency according to an embodiment of the present invention Is a diagram for explaining an embodiment implemented.

2, the contract management service providing server 300 includes a receiving unit 310, an issuing unit 320, a performing unit 330, a depositing unit 340, a transmitting unit 350, and a compensation unit 360 It may include.

Contract management service providing server 300 according to an embodiment of the present invention or another server (not shown) operating in conjunction with at least one creditor terminal 100, at least one debtor terminal 400, and at least one When transmitting a contract management service application, program, app page, web page, etc. of P2P bond debt using a blockchain-based virtual currency to the affiliate bank server 500, at least one creditor terminal 100, at least one debtor terminal The 400 and at least one affiliate bank server 500 may install or open a contract management service application, program, app page, web page, etc. of P2P bond debt using blockchain-based virtual currency. In addition, the service program may be run on at least one creditor terminal 100, at least one debtor terminal 400, and at least one affiliate bank server 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 a hypertext mark-up language (HTML), for example, Netscape. , Explorer, Chrome, etc. Further, the application means an application on the terminal, and includes, for example, an app running on a mobile terminal (smartphone).

Hereinafter, a common concept of recovering a bond according to an embodiment of the present invention will be described first with reference to FIG. 2, and then the configuration of FIG. 2 will be commonly performed through FIGS. 3 to 5, but will vary depending on each embodiment. We will explain how to manage the debt bond relationship between the two. That is, since the process of FIG. 2 is commonly performed in FIGS. 3 to 5, the method of FIG. 2 is first described, and then an embodiment according to the configuration of FIG. 2 will be described with reference to FIGS. 3 to 5.

Referring to FIG. 2, the contract management service providing server 300 may register bond data for a bond, including debtors and creditors. When the contract management service providing server 300 receives the bond amount for the bond, the debtor and the bond data including the creditor, the registered bond data and documents are verified 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 contract management service providing server 300 issues 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 registered bond data, and grants it to the creditor terminal 100 of the creditor You can. 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 a role of currency, although it was developed for 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 evolved further 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.

The contract management service providing server 300 issues a virtual currency to convert a number of tokens corresponding to the repayment amount to a virtual currency based on a preset virtual currency index when repaying part or all of the receivable amount from the debtor It can be transmitted to 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.

In addition, the contract management service providing server 300 may transmit as many as a predetermined percentage of the issued number of virtual currencies to the debtor terminal 400 of the debtor. For example, a preset percentage of the repaid amount, for example 1%, 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 terminal 100 of the creditor, the debtor terminal 400 of the debtor, and the contract management 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, an operation process according to the configuration of the contract management service providing server of FIG. 2 will be described in detail with reference to FIGS. 3 to 5. However, the embodiment is only one of various embodiments of the present invention, it will be apparent that it is not limited thereto.

Referring to Table 1, the subject of each procedure according to each embodiment will be described below. In the following, each subject to be described later will be summarized with reference to Table 1.

	금전대차Money cart	계약관리Contract management	상환Repayment
제 1 실시예Example 1	개인individual	서버server	개인individual
제 2 실시예Example 2	개인individual	서버server	서버server
제 3 실시예Third embodiment	서버server	서버server	서버server

< 1st Embodiments > In the first embodiment of the method according to an embodiment of the present invention, a financial transaction between the parties is contracted or agreed upon, and money repayment is also made between individuals, but the contents of the agreement according to the repayment are fulfilled and the repayment is reached. Up to this point, the debtor manages the items to be performed by the contract management service providing server 300. In other words, transactions are made directly between individuals, and repayment is also performed between individuals, but only the performance management according to the contract is performed by the contract management service providing server 300 (monetary loan (individual)-repayment management (server)-repayment (individual)).

Referring to FIGS. 2 and 3, the receiver 310 may receive, from the creditor terminal 100, money transaction data including money transactions in which bond debts between individuals occur. In other words, the step in which an embodiment of the present invention proceeds may be performed after a monetary transaction between the parties has already occurred. Depending on the content of the agreement, a contract may be prepared to implement the monetary loan, which includes borrowing, foreign trade, etc., and does not limit the type. Then, the debtor or creditor (mostly the creditor) registers the contents of the money transaction in the contract management service providing server 300, and provides at least one evidence that can prove the financial loan transaction, such as the agreement, proof of transaction, and party information. Upon registration, the process of receiving evidence from the administrator may proceed as described in FIG. 2 above. Then, the receiving unit 310 may guide the debtor to request the debtor to manage the financial loan transaction and obtain consent for the bond management. At this time, the receiving unit 310 may inform the account number (including a virtual account) to be repaid to the debtor terminal 400, and the account number may be issued from the affiliated bank server 500, but is not limited thereto.

The issuer 320 may issue a token to the creditor terminal 100 based on the amount of the bond included in the received money transaction data and a preset token issuance index for issuing the number of tokens corresponding to the amount of the bond. Through this process, tokens are issued as the value of the receivables held by the creditors. At this time, the token issuance indicator, the meaning of the quantity of tokens to be issued, and the definition of tokens are the same as those commonly described in FIG. 2, and thus detailed description thereof will be omitted.

The execution unit 330 may perform contract management including the performance of the debtor's debt according to the agreements included in the money transaction data. At this time, contract management means contract management according to an agreement, and may be, for example, date check, repayment management, overdue management, and collection management, but is not limited to those listed.

The depositing unit 340 may receive funds corresponding to the amount of the bond from the creditor terminal 100 to a preset account when the creditor receives the repayment of the amount of the bond. That is, since the first embodiment is a type in which the monetary contract and the repayment are directly between individuals, the creditor receives the repayment directly from the debtor. Accordingly, the creditor deposits the amount of the repayment (repayment amount) received from the debtor into the account designated by the depositing unit 340, and the deposited amount converts the token into a coin.

The transmitting unit 350 may issue a virtual currency to be converted to a virtual currency based on a preset virtual currency index, and transmit the number of tokens corresponding to the repayment amount to the creditor terminal 100. At this time, tokens and coins can be transferred and traded as described above, and creditors can exchange or trade in fiat money using virtual currency. That is, the amount of the bond is recovered in virtual currency, and it is up to the creditor whether to convert the virtual currency back into cash.

After the reward unit 360 issues the number of tokens corresponding to the redemption amount repaid in the transmission unit 350 to be converted into a virtual currency based on a preset virtual currency index, transmits it to the creditor terminal 100 , It is possible to transmit as many as a predetermined percentage of the issued number of virtual currency to the debtor terminal 400 of the debtor.

< 2nd Example >

In the second embodiment of the method according to an embodiment of the present invention, only the process of contracting or agreeing to a financial transaction between the parties is made between individuals, and thereafter, the debtor is executed until the settlement is fulfilled and the repayment is reached. This is a type to be managed by the contract management service providing server 300 for the items to be fulfilled and the money repayment. That is, only direct transactions are made between individuals, and the subsequent process is performed by the contract management service providing server 300, and the difference from the first embodiment is that the server manages the payment of money (money loans) (Personal) -Repayment Management (Server) -Repayment (Server)).

2 and 4, the receiver 310 may receive, from the creditor terminal 100, money transaction data including money transactions in which bond debt between individuals occurs. In other words, the step in which an embodiment of the present invention proceeds may be performed after a monetary transaction between the parties has already occurred. Depending on the content of the agreement, a contract may be prepared to implement the monetary loan, which includes borrowing, foreign trade, etc., and does not limit the type. Then, the debtor or creditor (mostly the creditor) registers the contents of the money transaction in the contract management service providing server 300, and provides at least one evidence that can prove the financial loan transaction, such as the agreement, proof of transaction, and party information. Upon registration, the process of receiving evidence from the administrator may proceed as described in FIG. 2 above. Then, the receiving unit 310 may guide the debtor to request the debtor to manage the financial loan transaction and obtain consent for the bond management. At this time, the receiving unit 310 may inform the account number (including a virtual account) to be repaid to the debtor terminal 400, and the account number may be issued from the affiliated bank server 500, but is not limited thereto.

The depositing unit 340 may receive funds corresponding to the amount of the bond from the debtor's debtor terminal 400 to a preset account. The contract management service providing server 300, after receiving the consent for contract management to the debtor terminal 400, may transmit a predetermined account to be repaid by the debtor. That is, since the second embodiment is a type in which only the money loan contract is directly between individuals, the creditor does not receive the direct repayment from the debtor, but is provided through the contract management service providing server 300, and the debtor does not repay the creditor, The contract management service providing server 300 will be repaid. Accordingly, the depositing unit 340 may receive the amount of the bond (repayment amount) from the debtor to a predetermined account, and tokens issued to the creditor may be converted into coins according to the repayment.

< Third Example >

The third embodiment of the method according to an embodiment of the present invention is a contract or agreement between the parties, fulfills the content of the agreement according to the repayment, and the items to be fulfilled by the debtor until the repayment, and It is a type that manages the entire process in the contract management service providing server 300. That is, from the process of trading between individuals, the creditor and the debtor are in the case of proceeding from the contract management service providing server 300 according to an embodiment of the present invention, which is an intermediary. Is that the server manages, and the difference from the second embodiment is that the server manages up to the monetary contract (monetary loan (server)-repayment management (server)-repayment (server)).

2 and 5, when the receiving unit 310 receives the money transaction data including the money transaction in which the bond debt between individuals occurs from the creditor terminal 100, the debtor terminal of the debtor included in the money transaction data Collect consent for the financial transaction entrustment to 400, and when consent is collected from the debtor terminal 400, transmit a predetermined account to deposit the repayment amount to the debtor terminal 400, and transmit the account data of the debtor's own name Can be input. That is, since the receiving unit 310 is brokered from the money transaction, an account to be repaid or an account to be remitted or remitted is designated in advance so that it can be put in a contract.

The issuer 320 may issue a token to the creditor terminal 100 based on the amount of the bond included in the received money transaction data and a preset token issuance index for issuing the number of tokens corresponding to the amount of the bond. Through this process, tokens are issued as the value of the receivables held by the creditors. At this time, the issuer 320 may issue a token when receiving a deposit from the creditor terminal 100 to the account number specified in the affiliated bank before issuing the token. In addition, the issuing unit 320 may allow the affiliate bank to transfer the amount of money deposited to the account number specified in the affiliate bank after the token is issued to the account of the user's name of the debtor terminal 400.

2 to 5, the method of providing the contract management service of the P2P bond debt using the blockchain-based virtual currency of FIG. 2 is not described previously, the contract management service of the P2P bond debt using the blockchain-based virtual currency through FIG. The description of the method is omitted because it can be easily inferred from the same or described contents.

6 is a diagram illustrating a process in which data is transmitted and received between each of the components included in the contract management service providing system for P2P bond debt using the blockchain-based virtual currency 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 of the components will be described with reference to FIG. 6, but the present application is not limited to such an embodiment, and illustrated in FIG. 6 according to various embodiments described above. It is apparent to those skilled in the art that the process of transmitting and receiving data can be changed.

Referring to FIG. 6, when the creditor and the debtor form a bond-debt relationship (S4100), and the debtor or the creditor registers the bond and documents corresponding to the claim of the bond-debt with the contract management service providing server 300 (S4200) ), The contract management service providing server 300 examines and verifies documents, confirms the authenticity of documents or rights relations (S4300), and transmits a guide to proceed with bond management to the debtor terminal 400.

At this time, when the agreement management service providing server 300 receives an agreement from the debtor terminal 400 (S4300), the creditor can transmit the account number to be reimbursed from the debtor (S4400), and the creditor terminal when approving the debt collection To (100), the token corresponding to the amount of the bond is converted by the token issuance indicator (S4500), and issued to the creditor terminal 100 (S4600).

At this time, the contract management service providing server 300 performs management for implementing the contract contents to the debtor (S4700), and when the debtor terminal 400 repays (S4800), the virtual currency corresponding to the repayment amount To be converted through the virtual currency index (Index) (S4800), and provides the issued currency to the creditor terminal 100, but reduces the tokens by the amount converted to the virtual currency (S4810 ~ S4840). Then, the contract management 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 in the blockchain (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, and it will be obvious that it may vary depending on the contract relationship or embodiment.

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 ~ S4920) may be mutually variable, some of which may be executed or deleted simultaneously.

Such a method of providing a contract management service of P2P bond debt using the blockchain-based virtual currency of FIG. 6 is not described above. The contract management service of P2P bond debt using the blockchain-based virtual currency through FIGS. The description of the method is omitted because it can be easily inferred from the same or described contents.

7 is an operation flowchart for explaining a method of providing a contract management service of P2P bond debt using a blockchain-based virtual currency according to an embodiment of the present invention. Referring to FIG. 7, the contract management service providing server receives money transaction data including a money transaction in which bond debt between individuals occurs from the creditor terminal (S5100).

Then, the contract management service providing server issues a token to the creditor terminal based on the amount of the bond included in the received money transaction data and a preset token issuance index for issuing the number of tokens corresponding to the amount of the bond (S5200). Contract management is performed including the debtor's debt performance according to the agreements included in the transaction data (S5300).

In addition, the contract management service providing server, when the creditor receives the repayment of the bond amount from the debtor, receives the funds corresponding to the bond amount from the creditor terminal to a preset account (S5400), and sets the number of tokens corresponding to the repayment amount of the preset virtual currency. Based on the indicator, a virtual currency is issued to be converted into a virtual currency and transmitted to the creditor terminal (S5500).

The meaning of P2P bond debt according to an embodiment of the present invention means an online P2P loan and a bond debt relationship between other individuals, but does not exclude including an online P2P loan.

The description of the method for providing the contract management service of the P2P bond debt using the blockchain-based virtual currency of FIG. 7 is not previously described. The contract management service of the P2P bond debt using the blockchain-based virtual currency through FIGS. The description of the method is omitted because it can be easily inferred from the same or described contents.

A method of providing a contract management service for P2P bond debt using a blockchain-based virtual currency according to an embodiment described with reference to FIG. 7 is a record including instructions executable by a computer, such as an application or program module executed by a computer It can also be implemented in the form of a medium. 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. Also, the computer-readable medium may include any computer storage medium. 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.

A method for providing a contract management service for P2P bond debt using a blockchain-based virtual currency according to an embodiment of the present invention described above is an application installed in a terminal (which is a program included in a platform or an operating system basically installed in the terminal). It may be included), or may be executed by an application (i.e., a program) that the user directly installed on the master terminal through an application providing server such as an application store server, an application, or a web server related to the corresponding service. In this sense, the method of providing a contract management service for P2P bond debt using a blockchain-based 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 can be recorded on a computer-readable recording medium such as a terminal.

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.

The present invention can be applied to the field of a method for providing a contract management service of P2P bond debt using a blockchain-based virtual currency that manages bonds arising from inter-personal financial loans.

Claims

A method for providing a contract management service executed in a contract management service providing server,

Receiving, from a creditor terminal, money transaction data including money transactions in which bond debt between individuals occurs;

Issuing a token to the creditor terminal based on the amount of the bond included in the received money transaction data and a preset token issuance index for issuing a number of tokens corresponding to the amount of the bond;

Performing contract management including the performance of the debtor's debt according to the agreement included in the money transaction data;

When the creditor receives the repayment of the bond amount from the debtor, depositing funds corresponding to the bond amount from the creditor terminal to a preset account; And

Issuing a virtual currency to convert the number of tokens corresponding to the redemption amount to a virtual currency based on a preset virtual currency index, and transmitting the virtual currency to the creditor terminal;

Including, a method for providing a contract management service of P2P bond debt using blockchain-based virtual currency.
According to claim 1,

After the step of issuing and sending the virtual currency to the creditor terminal so that the number of tokens corresponding to the repayment amount is converted to the virtual currency based on the preset virtual currency index.

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

Further comprising, a method of providing a contract management service of P2P bond debt using blockchain-based virtual currency.
According to claim 1,

When the creditor receives the repayment of the credit amount from the debtor, the step of receiving the funds corresponding to the credit amount from the creditor terminal to a preset account,

Receiving funds corresponding to the amount of the bond from a debtor terminal of the debtor into a preset account;

Can be replaced by

The contract management service providing server, after receiving the consent for the contract management to the debtor terminal, and transmits a predetermined account to be repaid by the debtor, P2P bond debt contract using a blockchain-based virtual currency How to provide management services.
According to claim 1,

The step of receiving from the creditor terminal the money transaction data including the money transaction in which the bond debt between the individuals occurs,

Collecting consent for the consignment of the financial transaction to the debtor terminal of the debtor included in the financial transaction data;

When consent is collected from the debtor terminal, transmitting a preset account to deposit the repayment amount to the debtor terminal, and receiving account data of the debtor's own name;

That includes, a method for providing a contract management service of P2P bond debt using blockchain-based virtual currency.
The method of claim 4,

Issuing a token to the creditor terminal based on the amount of the bond included in the received money transaction data, and a predetermined token issuance index for issuing a number of tokens corresponding to the amount of the bond,

Issuing the token when receiving a deposit from the creditor terminal to the account number specified in the affiliated bank;

Allowing the affiliate bank to transfer the amount of money deposited in the affiliate bank to the account of the user's name of the debtor terminal;

That includes, a method for providing a contract management service of P2P bond debt using blockchain-based virtual currency.
According to 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, of the P2P bond debt using blockchain-based virtual currency How to provide contract management services.
According to claim 1,

The creditor terminal of the creditor, the debtor terminal of the debtor, and the contract management service providing server 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 providing a contract management service for P2P bond debt using a blockchain-based virtual currency that is stored to be distributed among at least one node.