WO2021015463A2 - Procédé de service de prêt basé sur une chaîne de blocs et dispositif utilisant ce procédé - Google Patents

Procédé de service de prêt basé sur une chaîne de blocs et dispositif utilisant ce procédé Download PDF

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WO2021015463A2
WO2021015463A2 PCT/KR2020/009076 KR2020009076W WO2021015463A2 WO 2021015463 A2 WO2021015463 A2 WO 2021015463A2 KR 2020009076 W KR2020009076 W KR 2020009076W WO 2021015463 A2 WO2021015463 A2 WO 2021015463A2
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loan
node
blockchain
information
transaction
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PCT/KR2020/009076
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English (en)
Korean (ko)
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WO2021015463A3 (fr
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최재희
이재용
예창완
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주식회사 카사코리아
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Publication of WO2021015463A3 publication Critical patent/WO2021015463A3/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the present invention relates to a block chain-based loan service method and an apparatus using the method.
  • it relates to a method and apparatus for providing a peer-to-peer (P2P) loan service for loan products based on a blockchain platform.
  • P2P peer-to-peer
  • Blockchain may be a digital ledger that is shared between members of the network by encrypting transaction information occurring in a public network or a private network.
  • a copy of the transaction ledger is distributed to each network member so that each time a new transaction occurs, the authentication process for the transaction can proceed with the consent of the members.
  • Blockchain technology can be applied not only to the financial sector, but also to logistics, distribution, and even government public administration services.
  • participating nodes can operate on a blockchain network with the same authority, but a private blockchain network or a permissioned blockchain network network), differential authority is set for each node and can operate within the blockchain.
  • the load on the blockchain may occur, and the speed of access to the information on the blockchain may be slowed due to the load.
  • An object of the present invention is to solve all the above-described problems.
  • an object of the present invention is to make the distribution of principal and interest according to loans and loans for loan products based on a block chain more convenient and transparent.
  • the present invention aims to speed up the processing of deposits and withdrawals on the blockchain when performing a blockchain-based peer-to-peer (P2P) loan service.
  • P2P peer-to-peer
  • a typical configuration of the present invention for achieving the above object is as follows.
  • an investment service providing node transmits information on a loan product to a user node, and the investment service providing node sends the loan product to the loan product based on a block chain. It may include the step of relaying the reimbursement procedure for the user node participating in the public offering procedure.
  • loans for loan products and distribution of principal and interest according to loans based on a block chain can be made more convenient and transparent.
  • the processing speed of deposit and withdrawal on the blockchain can be accelerated.
  • FIG. 1 is a conceptual diagram showing a system for a loan service for a loan product based on a block chain according to an embodiment of the present invention.
  • FIG. 2 is a conceptual diagram showing the operation of a loan service providing node according to an embodiment of the present invention.
  • FIG. 3 is a conceptual diagram showing a node selection algorithm according to an embodiment of the present invention.
  • FIG. 4 is a conceptual diagram showing a loan public offering procedure according to an embodiment of the present invention.
  • FIG. 5 is a conceptual diagram showing a method for determining a loan product according to an embodiment of the present invention.
  • FIG. 6 is a conceptual diagram showing a method for determining a loan product according to an embodiment of the present invention.
  • FIG. 7 is a conceptual diagram showing a loan transfer method according to an embodiment of the present invention.
  • FIG. 8 is a conceptual diagram showing a high-performance blockchain platform according to an embodiment of the present invention.
  • FIG. 9 is a conceptual diagram showing a high-performance blockchain platform according to an embodiment of the present invention.
  • FIG. 10 is a conceptual diagram showing a high-performance blockchain platform according to an embodiment of the present invention.
  • FIG. 11 is a conceptual diagram showing a high-performance blockchain platform according to an embodiment of the present invention.
  • FIG. 12 is a conceptual diagram showing an operation of determining access to a record on a block chain according to an embodiment of the present invention.
  • FIG. 13 is a conceptual diagram showing an operation of a data streaming unit according to an embodiment of the present invention.
  • the loan product is mainly assumed to be a real estate itself or a development product based on real estate.
  • a personal loan service method based on a block chain according to an embodiment of the present invention may be used for various assets other than real estate, and the corresponding embodiment is also included in the scope of the present invention.
  • the expression node is used, but the expression node can be used to include all devices and/or servers that participate or do not participate in the blockchain network.
  • FIG. 1 is a conceptual diagram showing a system for a loan service for a loan product based on a block chain according to an embodiment of the present invention.
  • a blockchain-based loan system for providing loans for loan products.
  • the loan may refer to a loan from a plurality of entities (individuals, corporations, etc.) that provide loans, such as peer to peer (P2P) loans.
  • P2P peer to peer
  • a subject providing a loan may be expressed as a loan provider, and a subject requesting a loan may be expressed in terms of a loan requester.
  • Each node may include a communication unit for communicating with an external node and a processor operatively connected to the communication unit.
  • a trust node 100 may be included.
  • a loan service providing node 120 may be included.
  • a user node 140 may be included.
  • the trust node 100 may be implemented to provide a trust service for a loan product (eg, a real estate-related loan product) that has requested a trust.
  • the loan product may include various types of real estate-related loan products, such as a direct loan for real estate and a loan for a development plan based on real estate.
  • the loan product may include products for various loan objects other than real estate.
  • the trust node 100 may request a disposal trust for a loan product.
  • the consignor may be the loan requestor (eg, the owner of the loan subject property, the developer of the loan subject property, etc.), and the trustee may be a trust company.
  • the trust node 100 may transmit the trusted loan product information to the loan service providing node 120.
  • the loan product information may include various information related to the real estate to be loaned, such as a location of a real estate to be loaned, a price of the real estate to be loaned, a purpose of the real estate to be loaned, and a development plan for a real estate to be loaned.
  • the trust node 100 may grant specific rights related to loan products (eg, rights related to real estate to be loaned) through a block chain-based loan platform through the loan service providing node 120.
  • the trust node 100 may grant a loan product-related authority to a user device that provides a loan to a loan product through a securitized securities (or profitable securities) related to the loan product.
  • the loan product-related authority may include information on authority that the loan provider has based on the loan product.
  • the securitized securities may include real securitized securities, and may include information on rights related to loan products that can be checked online or offline.
  • the rights related to loan products are granted to the user node 140 through a securitized securities (or digital securitized securities based on securitized securities).
  • objects representing rights related to various loan products other than securitized securities may be used instead of securitized securities and may be included in the scope of the rights of the present invention.
  • the loan service providing node 120 may provide a loan service for a loan product.
  • the loan service providing node 120 may perform a public offering procedure for a loan product.
  • the loan service providing node 120 provides loan product information to a user node, and a user node who wants to provide a loan for a loan product may participate in a public offering for a loan product by remitting the loan amount to a loan service-related account.
  • the loan service providing node 120 may remit a loan amount for a loan product acquired through a public offering procedure to a trust-related account.
  • the trust node 100 may issue a securitized security for a loan product to the user node 140 based on the loan amount information of the user node 140.
  • the securitized securities issued to the user node 140 may be directly stored by the user, or may be stored by a storage institution.
  • the storage institution may be the operator of the loan service providing node or may be a separately designated institution.
  • the user node 140 concludes a storage agreement for the securitized securities prior to lending, and may instruct to directly deliver the securitized securities to the storage institution upon issuance of the securitized securities by the trust company. In this way, securitized securities can be directly received and managed by the custodian.
  • These securitized securities can have a physical or digitized format.
  • the loan service providing node 120 may provide digital securitized securities representing the right to return the securitized securities stored in the storage institution to the user node 140 that provided the loan.
  • Digital securitized securities may be expressed in terms of digital asset backed securities (DABS).
  • DABS digital asset backed securities
  • the loan amount for the loan product of the user node 140 may be transferred from a trust-related account to a loan requestor account for the loan product.
  • FIG. 2 is a conceptual diagram showing the operation of a loan service providing node according to an embodiment of the present invention.
  • FIG. 2 a method of providing loan product information by a loan service providing node is disclosed.
  • loan product information may be provided based on a block chain.
  • the loan product information may be provided by a trust node, but may additionally be provided by a separate selected node.
  • loan product information may be generated based on the loan target information collection node 200, the loan target information verification node 220, and the loan target grade determination node 240.
  • the loan target information collection node 200 may collect various information related to a loan product to generate loan product information.
  • the loan target information collection node 200 may collect loan product information other than information provided by the trust node.
  • various information on the real estate subject to loan such as the surrounding market price of the real estate subject to loan, a development plan related to the subject real estate loan, and utilization information of the subject real estate may be collected.
  • the loan target information verification node 220 may verify the loan product information collected by the loan target information collection node 200.
  • the loan target information verification node 220 may perform a verification procedure as to whether or not the loan product information is accurate information.
  • the loan target level determination node 240 may be implemented to determine the level of the loan product based on information related to the loan product that has been verified by the loan target information verification node 220.
  • the loan target grade determination node 240 may determine the grade of the loan product based on information related to the loan product.
  • a loan target information collection node 200, a loan target information verification node 220, and a loan target grade determination node 240 are determined based on a selection algorithm. I can.
  • Each of the loan target information collection node 200, the loan target information verification node 220, and the loan target grade determination node 240 may have an individual node pool or may be independently selected within one pool.
  • a node registered in an individual node pool, at least one node independently selected within one pool will operate as a loan target information collection node 200, a loan target information verification node 220, and a loan target grade determination node 240. I can.
  • the loan target information collection node 200 is selected from the loan target information collection node pool
  • the loan target information verification node 220 is selected from the loan target information verification node pool
  • the loan target grade determination node 240 is a loan It can be selected from the target class determination node pool.
  • a node selection algorithm can be used for each node pool.
  • the randomness of node selection can be set differently according to the role of the node. For example, it may be set to increase the randomness of node selection in the order of the loan target information collection node 200, the loan target information verification node 220, and the loan target grade determination node 240.
  • FIG. 3 is a conceptual diagram showing a node selection algorithm according to an embodiment of the present invention.
  • FIG. 3 a node selection method for selecting a node from a node pool is disclosed.
  • a loan target information collecting node pool (hereinafter, referred to as a first node pool) 350 for a loan target information collecting node (hereinafter, referred to as a first node) 300, a loan target information verification node (hereinafter, referred to as the first node) 2 node) for the loan target information verification node pool (hereinafter referred to as the second node pool) 360 and the loan target class determination node (hereinafter, referred to as the third node) 340 for the node pool (
  • a third node pool 370 may exist.
  • the first node pool 350, the second node pool 360, and the third node pool 370 are independently operated or integrated and operated, but may be implemented to maintain independence for each investment product. Whether or not a node can be continuously included in the node pool may be determined in consideration of the accuracy of information provided by nodes included in the node pool.
  • a specific node it will be determined whether a specific node can continue to be included in the first node pool 350 based on the accuracy of the information collected when operating as the loan target information collecting node (or first node) 300 (accuracy of collected information). I can.
  • a specific node operates as a loan target information verification node (or second node) 320, it may be determined whether or not it can be continuously included in the second node pool 360 based on the accuracy of the verification result (verification result accuracy). have.
  • a specific node operates as a lending target level determination node (or third node) 340, it may be determined whether or not it can be continuously included in the third node pool 370 based on the accuracy of the determination result (accuracy of determination result). have.
  • each of the third threshold values of the accuracy may be set to different values. Specifically, it may be set to have a higher value in the order of the second threshold value, the first threshold value, and the third threshold value.
  • randomness of node selection in the node pool may be set differently according to the role of the node.
  • the order of the loan target information collection node (or first node) 300, the loan target information verification node (or second node) 320, and the loan target level determination node (or third node) 340 It can be set to increase the randomness of node selection.
  • groups are set according to accuracy for each node pool for different settings of randomness, but the number of groups set according to the node pool may vary.
  • 9 first node groups may be set according to the accuracy of the collected information
  • 6 second node groups may be set according to the accuracy of a verification result
  • three third node groups may be set according to the accuracy of the determination result.
  • each pool it may be set to select relatively more nodes from a group having high accuracy. Randomness can be adjusted by adjusting the number of groups by setting different intervals of accuracy in which node groups are determined. As the number of preferentially set groups according to the accuracy of each node group is relatively large, the randomness becomes relatively small, and as the number of preferentially set groups is relatively small, the randomness may be relatively large.
  • the randomness of selection may increase and the restriction of selection may be reduced.
  • FIG. 4 is a conceptual diagram showing a loan public offering procedure according to an embodiment of the present invention.
  • the loan service providing node may receive a public offering request for a loan product from a user node 400 through a public offering procedure. Based on the public offering information, information on the available public offering time and the public offering amount can be set on a block based on a blockchain code such as a smart contract. Based on the blockchain code, when the recruitment of the possible public offering amount is completed or the public offering time has passed, it may be set to disable the public offering request of an additional user node.
  • a blockchain code such as a smart contract
  • the issuance of a securitized securities and/or digital securitized securities suitable for the loan amount of the user node 400 may be performed.
  • the user node 400 that has made a loan for the loan product is provided with a digital securitized securities corresponding to the loan amount, and receives the principal and interest according to the repayment plan stored on the blockchain at a predetermined time based on the digital securitized securities. I can.
  • FIG. 5 is a conceptual diagram showing a method for determining a loan product according to an embodiment of the present invention.
  • FIG. 5 a method for determining a user's loan product according to user characteristics is disclosed.
  • a loan product for a user may be determined based on loan product loan result information and user loan product selection information.
  • the loan amount, loan period and desired rate of return can be determined by the user device. For example, a user may want a loan of 10 million won for 3 to 6 months with a 5% return. In this case, the loan service providing node may combine at least one loan product to meet the user's desired rate of return.
  • the loan service providing node can create a combination of loan products to meet the desired rate of return while minimizing the risk of loan products. For example, when there are loan products 1 to 100, it is possible to perform a search for a combination of loan products having conditions for meeting the above yield within the loan period.
  • the candidate loan product combination 500 may be a combination in which an interest rate set by distributing or depositing 10 million won or more may come out.
  • Candidate loan product combination (500) is combination 1 (loan product 1, loan product 3, loan product 9), combination 2 (loan product 2, loan product 3), union 3 (loan product 9, loan product 10, loan product 11) ), combination 4 (loan product 1, loan product 5, loan product 10), combination 5 (loan product 8, loan product 10, loan product 11), etc.
  • the risk 520 of each of these candidate loan product combinations 500 may be determined.
  • the risk level may be the level of risk (or level) for each loan product determined by the level determination node for the loan.
  • the risk of each of the candidate loan product combinations 500 may be determined as a value obtained by multiplying the risk (or rating) 520 of each loan product by a weight-based weight.
  • the order of low risk may be provided to the user device with a high priority, and the user device may select one product and provide a loan in consideration of the risk 520 and the rate of return 540. I can.
  • the risk 520 and the return 540 may be set to a certain range and provided.
  • the risk 520 of specific loan products is 3 grade or 3.1, it may be provided to the user to select the same loan product group by setting the same risk range.
  • the same risk range may be determined in consideration of the risk result of a loan accident for each of the existing risk levels 520. If there is a section in which the risk rate of a loan accident does not change more than the threshold value according to the change of the risk 520, the section may be set as one and the same risk range and provided to the user as the same risk group.
  • the risk level 520 of a loan product may be determined by additionally considering the existing loan product loan result information 560 as well as a loan target grade determination node.
  • the loan product loan result information 560 may be recorded on the blockchain, and may be extracted based on identification information on the loan product.
  • the loan product loan result information 560 may include information on a result of an existing loan product such as stability of a loan product for each of a plurality of loan products, an interest rate of the loan product, and a principal and interest recovery rate of the loan product.
  • the risk level 520 of the loan product may be determined based on the loan product loan result information 560. Not only the risk 520 of the loan product is determined by the above-described lending target level determination node, but also the risk of the loan product may be determined by additionally considering the loan result information of the existing loan product.
  • At least one loan product having characteristics similar to the current loan product may be extracted, and the risk level 520 of the current loan product may be adjusted in consideration of the loan product loan result information of the extracted loan product.
  • the characteristics of the loan product such as the loan target, loan amount, and collateral ratio of the loan product are extracted, and the similarity between the lower characteristics is determined to compare the characteristics. have.
  • Each of the sub-features may have different weights, and a degree of similarity that additionally considers these weights may be determined.
  • similar loan products similar to loan products may be extracted through clustering based on sub-characteristics.
  • the above-described risk level 520 of the loan product may be adjusted. Even if it is determined that it has a relatively high risk 520, if the existing similar loan product proceeds without a problem, the risk 520 may be adjusted to be relatively low. Conversely, even when it is determined that it has a relatively low risk 520, if a problem occurs in an existing similar loan product, the risk 520 may be adjusted relatively high.
  • FIG. 6 is a conceptual diagram showing a method for determining a loan product according to an embodiment of the present invention.
  • FIG. 6 a method for determining a user's loan product according to the user loan period is disclosed.
  • a method of performing a loan before the set loan period halving of a loan product in consideration of a user loan period is disclosed.
  • the user 600 may be traded on the exchange 620 in the form of digital securities that can obtain principal and profits based on a loan. It can be assumed that the loan product has expired in 6 months and has received principal and interest. For these loan products, the user 600 may borrow only 3 months and wish to recover principal and interest. In this case, it may be set so that the principal can be recovered before the loan expiration period, and other users can inherit the loan product and provide the loan.
  • the user device receiving the loan product may be expressed in terms of an intermediate loan user 640.
  • the user 600 wants to subtract the principal before the loan expiration period, a part of the interest amount based on the existing loan is deducted, and the amount taking into account a part of this interest amount will be transferred to the user 600's loan later. It may be provided in addition to the interest rate of the intermediate loan user 640. For example, if it is a 6-month loan product and wants to collect principal and interest within one month, the intermediate loan user 640 trades digital securities on the exchange 620 so that the user's digital securities Can be purchased to provide a loan to the loan requestor.
  • the interest rate applied to the user 600 is smaller than the standard interest rate set for the loan product, but is determined to be relatively close to the standard interest rate, and the interest rate applied to the user 600 as the loan expiration period increases. It is less than the standard interest rate set for this loan product and can be determined to be a value that is relatively far from the standard interest rate.
  • the intermediate loan interest rate applied to the intermediate loan user 640 who inherits the loan product is larger than the standard interest rate set for the loan product, but is determined to be relatively close to the standard interest rate, and is far from the loan expiration period.
  • the intermediate loan interest rate applied to the intermediate loan user 640 may be larger than the reference interest rate set for the loan product, and may be determined to be a value relatively far from the reference interest rate.
  • the difference from the base rate can be determined taking into account the difference from the loan expiration period.
  • a difference between the standard interest rate and the intermediate loan interest rate may be determined based on the risk level.
  • the intermediate loan interest rate applied to the intermediate loan user 640 may be determined so as to have a relatively large difference from the reference interest rate as the risk of the loan product is higher.
  • the intermediate loan interest rate determined by the loan service providing node may be provided by the user 600 by adjusting in the exchange.
  • the user 600 may present the intermediate loan user 640 with an interest rate higher than the intermediate loan interest rate, and the higher interest rate may be deducted from his principal.
  • the user 600 may present the intermediate loan user 640 with an interest rate lower than the intermediate loan interest rate, and may increase the interest rate that he or she will receive through the intermediate settlement by the lower interest rate.
  • FIG. 7 is a conceptual diagram showing a loan transfer method according to an embodiment of the present invention.
  • FIG. 7 discloses a method of providing a loan for a loan product based on a smart contract.
  • the loan product is real estate
  • a method of delivering investment money for real estate based on a smart contract is disclosed.
  • a loan service providing node may receive a loan for a loan product from a user device.
  • Loans may be provided in stages according to the results of supervision on loan products.
  • a loan product that requests a loan to raise a building through land purchase may be assumed.
  • Checkpoints for multiple building steps and multiple loan steps can be set and recorded in a blockchain code such as a smart contract, and the satisfaction of each checkpoint for multiple building steps is checked to provide step-by-step loans Can be.
  • the supervision node 700 may determine the progress of the building for each of the check points, and when the construction progress of the building is satisfied based on the check point, a loan suitable for the lending stage may be paid.
  • repayment such as distribution of principal and interest for loan products
  • a block chain code for repayment of the principal and interest of the loan product can be entered in advance, and it can be linked with the account of the loan requestor so that repayment of the principal and interest of the loan product is made at the time of repayment.
  • a high-performance blockchain platform for storing a distributed ledger in the form of a block chain and allowing a large amount of transactions (or transactions) to be performed simultaneously or in a short time is disclosed.
  • the high-performance blockchain platform can dramatically increase the transaction speed while reducing the load on the blockchain, thereby supporting a level of transaction volume and speed at which millions or more can simultaneously transact.
  • the user account may be used to include various online value storage means including objects with value, and the amount may be used to include objects with value.
  • the deposit/withdrawal procedure described below can be used for remittance of the loan amount for a blockchain-based loan product, repayment of principal and interest for the loan product.
  • FIG. 8 is a conceptual diagram showing a high-performance blockchain platform according to an embodiment of the present invention.
  • FIG. 8 a high-performance blockchain platform that dramatically increases the transaction speed so that a large amount of transactions can be simultaneously performed in a short time while storing a distributed ledger in the form of a blockchain is disclosed.
  • a high-performance blockchain platform includes a Ledger API (application programming interface) 800, a cache 810, a Ledger invoker 130, and data streaming. (data streaming) (or data streaming unit) 820, blockchain 840, notifier 850, ledger manager 860 have.
  • the ledger API 800 may be an interface for connecting a user device and a blockchain (or blockchain platform) 840 to provide a blockchain-based service.
  • the user device may access information on the blockchain 840 through the Ledger API 800.
  • the user may request a deposit, withdrawal, transaction, etc. through the Ledger API 800 and receive a result value for the request.
  • the cache 810 may be implemented to quickly provide data on the blockchain 840 without access to the blockchain 840.
  • the cache 810 may store information recorded on the block chain 840 (blockchain record information), information that changes information recorded on the block chain 840 (blockchain record change information), and the like.
  • the cache 810 may store data related to the transaction when a user generates a transaction for access on the block chain 840. For example, a transaction for changing user account information, such as a transaction for depositing a certain amount into a user account (or wallet) (or a specific account) through a user device, or withdrawing a certain amount from the user account, may occur. . Alternatively, a transaction that does not change user account information such as a transaction for verifying a user account (or wallet) may be generated through the user device. In this case, deposit information/withdrawal information, user account balance information, etc. related to the user account may be recorded in the cache.
  • the user can check information on the current user account without separate access. For example, if it is determined that there is no change in information related to an additional user account on the blockchain 840 through a check of the information stored in the cache 810, the cache 810 is accessed without access to the blockchain 840.
  • the recorded information can be used to transmit current user account information to the user device. That is, when a user requests to read data recorded on the block chain 840 that has not been changed, the data recorded on the cache 810 is immediately saved without unnecessary access to the block chain 140. It can be transmitted to the user device.
  • the data streaming unit 820 may be implemented to sequentially transfer the transactions transmitted through the ledger API 800 to the ledger invoker 830 without losing.
  • a plurality of transactions generated from a plurality of user devices include a timestamp, and may be transmitted to the cache 810 and the data streaming unit 820 through the ledger API 800.
  • the timestamp may include information on the time when the transaction occurred.
  • the data streamer 820 may be implemented as a queue.
  • a plurality of transaction data accumulated in the data streaming unit 820 may be transmitted to the ledger invoker 830.
  • the ledger invoker 830 may scrape and organize a plurality of (eg, 100 to 1000) transactions stored in the data streaming unit 820 at least once and transmit them to the block chain 840.
  • a plurality of transactions may be grouped, and the grouped transaction group may be recognized and processed as one transaction.
  • a transaction group including 1000 transactions can be regarded as one transaction, and verification of the transaction can be performed. Grouping of transactions will be described in detail later.
  • the ledger invoker 830 may be implemented to invoke the chain code of the blockchain 840 based on the transaction received from the data streaming unit 120.
  • Various types of chain codes can be executed by the ledger invoker 830.
  • the Ledger Invoker 830 executes the chaincode of the blockchain 840, and a transaction (or transaction group) may be transmitted on the blockchain 840 through the Ledger Invoker 830.
  • a transaction is transferred onto the blockchain 840 through the Ledger Invoker 130, and data (or data) included in the transaction is transferred to the block connected to the blockchain 840 through the mining of the block. Can be recorded.
  • the notifier 850 may recognize a change occurring on the block chain 840 and transmit change information on the block chain 840 to another component (or module).
  • the notifier 850 may play a role of checking data consistency between the block chain 840 and the cache 810 and automatically recovering when the consistency is damaged.
  • the notifier 850 1) when a transaction related to deposit/withdrawal to a user account is recorded on the blockchain 840, 2) a transaction related to a settlement request by the ledger manager 860 to be described later.
  • the ledger manager 860 may be implemented for management/update of data stored on the blockchain 840.
  • the ledger manager 860 is a data update request transaction requesting an update of the user account balance information based on the user's account balance information and account change information recorded on the blockchain 840 (for example, , Account clearance request transaction) can be transmitted on the blockchain 840.
  • an account clearance request transaction is transmitted on the blockchain 840, the user's account information is updated to the latest based on the user's account information and account change information recorded on the blockchain 840, and the blockchain 840 ) Can be performed.
  • the specific operation of the ledger manager 860 will be described later.
  • FIG. 9 is a conceptual diagram showing a high-performance blockchain platform according to an embodiment of the present invention.
  • FIG. 9 a flow of data writing on a high-performance blockchain platform is disclosed.
  • a data writing flow related to data writing (or recording) that changes data on the blockchain is initiated.
  • a transaction that changes data on the blockchain can be expressed in terms of a data change request transaction.
  • user account information (or user account information, user wallet information) is described as an example.
  • reading, writing, and reading of various information other than user account information The present invention may be applied to a change alarm, and such an embodiment may also be included in the scope of the present invention.
  • a first transaction (a request for withdrawal of KRW 3,000) (a first timestamp) may occur, and then, a second transaction (a request for a deposit of KRW 5,000) (a second time stamp) may be generated.
  • the first transaction (3,000 won withdrawal request) (first timestamp) and the second transaction (5000 won deposit request) (second timestamp) are stored in the cache 910, and simultaneously or sequentially, the data streaming unit It may also be transmitted to 220 and stored.
  • the data streaming unit 920 may store a first transaction (a 3,000 won withdrawal request) (a first timestamp) and a second transaction (a 5,000 won deposit request) (a second timestamp) in chronological order.
  • the ledger invoker 930 receives the first transaction (3,000 won withdrawal request) (first timestamp) and the second transaction (5000 won deposit request) (second timestamp) stored in the data streaming unit 220 can do.
  • the first transaction (KRW 3000 withdrawal request) (first timestamp) and the second transaction (KRW 5,000 deposit request) (second timestamp) may be stored on a block on the blockchain 940.
  • 1) user account balance information (10000 won), 2) user account withdrawal information (3,000 won), 3) user account deposit information (5000 won) may be recorded.
  • the user account balance information may not be updated.
  • An identifier (or mark) indicating unreflected information may be added to 2) user account withdrawal information (3,000 won), 3) user account deposit information (5000 won), which are information for changing user account balance information.
  • the user account balance information is updated to 12000 won, and information that changes the user account balance information 2) user account withdrawal information (3,000 won), 3 )
  • an identifier (mark) indicating that the information is reflected may be displayed.
  • FIG. 10 is a conceptual diagram showing a high-performance blockchain platform according to an embodiment of the present invention.
  • FIG. 10 a data change alarm flow indicating a change in data on a blockchain is started.
  • a data change alarm flow may occur when a data change occurs on the block chain 1040.
  • the second transaction (request for deposit of KRW 5000) (second timestamp) and the first transaction (request for withdrawal of KRW 3,000) (first timestamp) and the second transaction (request for deposit of KRW 5000) ( If the deposit request data and the withdrawal request data are recorded on the blockchain 1040 due to the second timestamp), a change may occur on the blockchain.
  • the notifier 1050 can recognize the change in the blockchain and deliver information notifying the change in the blockchain (or information related to the change) to a component on a high-performance blockchain platform such as a cache or ledger manager 1060 have.
  • Information indicating a change on the blockchain 1040 (or information related to the change) may be expressed in terms of block chain change alarm information.
  • the ledger manager 1060 may transmit an account clearance request transaction on the blockchain 1040.
  • the user account can be arranged to the final value. Specifically, 1) user account balance information (10000 won), 2) user account withdrawal information (3,000 won), 3) user account deposit information (5000 won) stored on the blockchain 1040 are all organized, and the blockchain ( 1040), the user account balance information may be updated and stored as 12,000 won.
  • changes due to the account clearance request transaction transmitted by the ledger manager 1060 may be notified to the ledger manager 1060 and the cache 1010 by the notifier 1050.
  • the ledger manager 1060 may receive change information from the notifier 1050 and transmit an account clearance request transaction to the blockchain 1040 again.
  • the ledger manager 1060 transmits an account clearance request transaction, receives block chain change alarm information due to the account clearance request transaction from the notifier 1050, and transmits the account clearance request transaction again. May not be transmitted continuously. Accordingly, unnecessary transmission of an account clearance request transaction on the blockchain can be prevented, and as a result, overload on the blockchain 1040 can be reduced, and the processing speed of the blockchain 1040 can be improved.
  • a cycle for the account clearance request transaction is set, and the ledger manager 1060 may transmit the account clearance request transaction at every set cycle.
  • the cache 1010 may receive block chain change alarm information from the notifier 1050, and a response to a transaction generated from a user device according to whether the block chain change alarm information is received is based on the information recorded in the cache. It is possible to determine whether to provide it based on information recorded on the blockchain 1040 or not. A response method based on the cache 1010 will be described later.
  • FIG. 11 is a conceptual diagram showing a high-performance blockchain platform according to an embodiment of the present invention.
  • FIG. 11 a data reading flow related to reading data on a blockchain is disclosed. Transactions that do not change data on the blockchain, such as reading data, can be expressed in terms of data no change request transaction.
  • a transaction requesting confirmation of the account balance (a user account balance confirmation transaction) occurs from a user device
  • confirmation of user account related information through a cache 1110 This may be performed and a determination as to whether it is possible to directly provide the user account balance information on the cache 1110 may be performed. Thereafter, when the user account balance information on the cache 1110 can be directly provided to the user, the user account balance information on the cache 1110 can be provided to the user device without access to the blockchain 1140. Conversely, if the user account balance information on the cache 410 is not directly available to the user, the user account balance information may be provided to the user device through access to the blockchain.
  • a determination as to whether the user account balance information on the cache 1110 can be directly provided to the user will be described later.
  • the user account balance information may be provided immediately without accessing the blockchain 1140. Conversely, if it is not possible to provide the user account balance information through the cache 1110, the user account balance information (user account balance information) among the data recorded on the block chain 1140 by accessing the block chain 1140 , User account deposit information, user account withdrawal information, etc.), the user account balance can be arranged and provided to the user.
  • the balance of the user account arranged by the user's request may not be stored on the blockchain 1140. That is, only by the account clearance request transaction of the ledger manager 1160, the arrangement of each of the plurality of user account balances of the plurality of users is performed, and the information about the plurality of user account balances of each of the plurality of users that is finally updated is stored in the blockchain. It can be written on (1140).
  • the account balance confirmation transaction occurs by the user device even when the account clearance request transaction of the ledger manager 1160 is not transmitted, separate account clearance for the user account balance of the user Is performed, user account balance information is updated, and an identifier (mark) indicating that the user account withdrawal information and the user account deposit information is reflected information may be displayed. That is, when an individual account balance confirmation transaction occurs for a specific user, a separate account clearance is performed only for the user account balance for the user and may be recorded on the blockchain as user account balance information.
  • FIG. 12 is a conceptual diagram showing an operation of determining access to a record on a block chain according to an embodiment of the present invention.
  • FIG. 12 a method for providing data to a user device with only access to a cache without access to a block chain is disclosed when a data read operation (or a transaction related to data read) occurs by the user device.
  • the blockchain platform may receive a request transaction from a user device, and the blockchain platform may determine whether to process the request transaction based on a cache.
  • the request transaction may be a transaction for reading/writing data on the above-described blockchain (for example, an account balance confirmation transaction, a user account deposit/withdrawal related transaction, etc.).
  • the blockchain platform can transmit a response transaction to the request transaction without access to the blockchain based on the information recorded on the cache. If the blockchain platform is unable to process the request transaction based on the cache, it can transmit the request transaction to the data streaming unit for transmission of the request transaction onto the blockchain.
  • the cache stores information related to the request transaction, and the request transaction may include a time stamp.
  • the data streaming unit stores a request transaction different from the request transaction, but the other request transaction may include a transaction before receiving the request transaction from the user device or another user device and transmitting it on the blockchain.
  • the blockchain platform can transmit request transactions and other request transactions on the blockchain based on the invoking of the blockchain by Ledger Invoker.
  • Whether the request transaction can be processed based on the cache may be determined based on the characteristics of the request transaction and the characteristics of the previous request transaction previously transmitted on the cache in relation to the user device.
  • the characteristics of the request transaction and the previous request transaction may be one of a data change request transaction 1250 and a data change request transaction 1270.
  • the transaction transmitted from the user device is a data-no change request transaction that does not change the data on the blockchain (e.g., account confirmation request transaction 1200), and changes the data on the blockchain after the latest update of the data to be provided.
  • the non-changeable data request transaction 1250 is recorded on the cache 1220, the data stored in the cache 1220 may be transmitted as the response transaction 1280 without access to the blockchain 1240.
  • the transaction transmitted from the user device is a data no change request transaction (e.g., account confirmation request transaction 1200) that does not change the data on the blockchain 1240, and after the latest update of the data to be provided, the blockchain ( 1240)
  • a data no change request transaction e.g., account confirmation request transaction 1200
  • the blockchain 1240
  • At least one data change request transaction 1270 that changes the data on the cache 1220 is recorded on the cache 1220, based on the data recorded on the block chain 1240 through access to the block chain 1240
  • the response transaction 1280 may be transmitted.
  • the user account balance information stored in the cache 1220 may be determined as the latest updated account information. In this state, when the account verification request transaction 1200 is generated from the user device, the user account balance information stored in the cache may be provided without the need to access the block chain 1240 to read data.
  • the user account balance information is recorded in the cache 1220, when user account balance change information such as user account withdrawal information and/or user account deposit information that changes the user account balance information occurs (or in the cache A case in which information related to transactions related to user account withdrawal and/or user account deposit that changes user account balance information is stored) may be assumed. In this case, the user account balance information may be checked on the blockchain 1240.
  • User account balance related information recorded on the block chain 1240 is extracted, and the information recorded on the block chain 1240 is the latest information updated after transmission of a data update transaction such as an account clearance request transaction.
  • a data update transaction such as an account clearance request transaction.
  • the user account balance information recorded on the blockchain 1240 may be provided to the user.
  • the information recorded on the blockchain 1240 after transmission of a data update transaction is user account balance change information (or data change information 1295)
  • the latest user account balance information and the The account balance change information generated after that is searched, and a separate account arrangement is performed for the corresponding user and provided to the user device.
  • Information related to the user account balance on the extracted blockchain 1240 may be stored again in the cache.
  • a response transaction based on data on the blockchain may be generated by determining whether data change information 1295 is stored in relation to the requested data.
  • the data change request transaction 1270 that changes at least one data is recorded in the cache 1220, the data is accessed through the blockchain 1240.
  • a response transaction for a request transaction related to read may be transmitted to the user device.
  • FIG. 13 is a conceptual diagram showing an operation of a data streaming unit according to an embodiment of the present invention.
  • FIG. 13 an operation of grouping transactions in the data streaming unit is started.
  • the data streaming unit 1300 may generate a transaction group 1350 for grouping transactions to be processed.
  • the verification of the transaction group 1350 is performed in a group unit, thereby increasing the processing speed on the blockchain 1360.
  • Transactions generated from a plurality of user devices include a time stamp, and a plurality of transactions may be sequentially stored in the data streaming unit 1300 based on the time stamp.
  • transactions may be individually verified and recorded on the blockchain 1360 based on the invoking of the Ledger Invoker 1320, but they are grouped and verified in a transaction group unit, so that the Ledger Invoker ( It may be recorded on the blockchain 1360 based on the invoking (or calling) of 1320).
  • the transaction group 1350 including a plurality of transactions stored in the data streaming unit 1300 may be determined in various ways. First, when invoking a transaction of the ledger invoker 1320, all transactions existing in the data streaming unit 1300 at the time of invoking may be grouped into one transaction group 1350. In this case, subgroups may be formed separately for each related account. For example, when a transaction is made between user A, user B, and user C, transactions related to user A, user B, and user C may be separately set as a lower transaction group.
  • a transaction group 1350 may be formed according to the characteristics of a transaction, and a verification procedure may be performed. For example, an operation performed based on a transaction, such as a transaction group for simple data reading that does not change the data on the blockchain 1360 (hereinafter referred to as a data non-change transaction group), and a transaction group that causes data change on the blockchain. According to this, a transaction group (data change transaction group) may be formed. Different verification procedures can be performed for the data no change transaction group and the data change transaction group.
  • the basic verification is performed in the same manner for the data no change transaction group and the data change transaction group, but for the data change transaction group, verification of whether data can be changed may be additionally performed.
  • the data change transaction group may be divided into a data change (deposit) transaction group, which is a data change for deposit, and a data change (withdrawal) transaction group, which is a data change for withdrawal.
  • a data change (deposit) transaction group which is a data change for deposit
  • a data change (withdrawal) transaction group which is a data change for withdrawal.
  • a data change (deposit) transaction group it may be necessary to verify whether a deposit is possible in the depositing user account.
  • a data change (withdrawal) transaction group which is a data change, it may be necessary to verify whether withdrawal is possible from the user account that is withdrawing.
  • a plurality of transactions may form a transaction group 1350 according to characteristics of a transaction, and a separate verification procedure may be performed for each transaction group 1350 to be recorded on a block.
  • the transaction group 1350 is not considered and may be stored based on a timestamp.
  • the transaction group 1350 is released, the timestamp of the transaction is considered, and a plurality of transactions can be recorded.
  • identification information for the grouped transaction group 1350 may be recorded on a block in consideration of the transaction group 1350 or may be displayed in an individual transaction upon verification.
  • the embodiments according to the present invention described above may be implemented in the form of program instructions that can be executed through various computer components and recorded in a computer-readable recording medium.
  • the computer-readable recording medium may include program instructions, data files, data structures, etc. alone or in combination.
  • the program instructions recorded in the computer-readable recording medium may be specially designed and constructed for the present invention or may be known and usable to those skilled in the computer software field.
  • Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical recording media such as CD-ROMs and DVDs, and magnetic-optical media such as floptical disks. medium), and a hardware device specially configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like.
  • Examples of the program instructions include not only machine language codes such as those produced by a compiler but also high-level language codes that can be executed by a computer using an interpreter or the like.
  • the hardware device can be changed to one or more software modules to perform the processing according to the present invention, and vice versa.

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Abstract

La présente invention concerne un procédé de service de prêt basé sur une chaîne de blocs et un dispositif utilisant ce procédé. Un tel procédé de service de prêt basé sur une chaîne de blocs peut comprendre une étape au cours de laquelle un noeud fournisseur de service de prêt transmet des informations concernant des produits de prêt à un noeud d'utilisateur et relaie, sur la base d'une chaîne de blocs, une procédure de remboursement pour le noeud d'utilisateur ayant participé à une procédure d'offre publique pour les produits de prêt.
PCT/KR2020/009076 2019-07-19 2020-07-10 Procédé de service de prêt basé sur une chaîne de blocs et dispositif utilisant ce procédé WO2021015463A2 (fr)

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KR10-2019-0087570 2019-07-19

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CN113240530A (zh) * 2021-04-30 2021-08-10 中通服创发科技有限责任公司 一种基于区块链智能合约技术的融资方法和设备

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KR20090011045A (ko) * 2009-01-12 2009-01-30 주식회사 신한은행 신탁대출 운용 시스템
KR20190050163A (ko) * 2017-11-02 2019-05-10 주식회사 케이티 블록체인 기반 상호금융플랫폼 및 그 실현방법
KR20190070888A (ko) * 2017-12-13 2019-06-21 포항공과대학교 산학협력단 오프체인에서의 스마트 컨트랙트 채널 서비스 제공 장치 및 방법, 그리고 이를 포함하는 시스템
KR101880740B1 (ko) * 2018-03-15 2018-07-20 김시내 블록체인 기술 기반의 채권 양도 기능을 구현하는 투자 중개 시스템

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CN113240530A (zh) * 2021-04-30 2021-08-10 中通服创发科技有限责任公司 一种基于区块链智能合约技术的融资方法和设备
CN113240530B (zh) * 2021-04-30 2023-04-18 中通服创发科技有限责任公司 一种基于区块链智能合约技术的融资方法和设备

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