WO2024025167A1

WO2024025167A1 - Cryptocurrency bond investment platform

Info

Publication number: WO2024025167A1
Application number: PCT/KR2023/008970
Authority: WO
Inventors: 조경진; 조은철
Original assignee: 조경진; 조은철
Priority date: 2022-07-28
Filing date: 2023-06-27
Publication date: 2024-02-01
Also published as: KR20240015895A

Abstract

The present invention provides a cryptocurrency bond investment platform comprising: an investor terminal (10) used by an investor; and a cryptocurrency bond investment platform server (20) connected to the investor terminal (10) through a communication network, wherein the cryptocurrency bond investment platform server (20) receives cryptocurrency through the investor terminal (10) to issue a cryptocurrency bond to the investor terminal (10), and transmits the cryptocurrency promised in the cryptocurrency bond to the investor terminal (10) when the cryptocurrency bond matures.

Description

Cryptocurrency bond investment platform

The present invention relates to a cryptocurrency bond investment platform, in which an investor invests in bonds by paying cryptocurrency to the cryptocurrency bond investment platform server through an investor terminal.

Nowadays, with the development of the Internet, investment in cryptocurrencies such as Bitcoin is receiving a lot of attention.

Cryptocurrency is a compound word of ‘crypto-’ meaning ‘encryption’ and ‘currency’ meaning currency. It is a virtual asset or digital asset that can prove ownership.

In general, cryptocurrency operates on a distributed ledger based on blockchain or DAG (Directed Acyclic Graph). Ledger refers to a ledger in which transaction details are recorded in a bank or business.

In the beginning, cryptocurrencies such as Bitcoin, the first cryptocurrency, were referred to as "electronic money", but starting in 2013 when Bitcoin first became known to the public, various media began calling Bitcoin "virtual currency" and "virtual currency." However, the word 'cryptocurrency' was born when it was pointed out that the characteristics of Bitcoin did not match those of a virtual currency.

Afterwards, he came up with the idea of applying the smart contract invented in 1994 to blockchain, and Ethereum was born. Smart contract is a set of promises expressed in digital form and is an 'automated contract' system that automatically fulfills the contract when all programmed conditions are met. Previously, numerous documents were required for a contract to be concluded and implemented, but a smart contract is a method of specifying contract conditions in computer code and executing the contract when the conditions are met. Through smart contracts, people can trade various things such as bankruptcy and stocks, and transactions can be made between parties without a third party.

Cryptocurrency is a distributed ledger. In other words, several computers share one ledger, and the identity of these ledgers is guaranteed even when each computer has an incentive to deceive other computers. Multiple computers can share a ledger because recording the ledger requires solving problems that are difficult to compute but easy to verify. Records can be continuously added to the ledger, and a chain of records (blocks) added one after another is called a ‘blockchain’, and is used as a unit of value in the ledger recorded on the blockchain. Cryptocurrency has been adopted.

In order to store cryptocurrency safely, you must properly manage the keys of your cryptocurrency wallet. Cryptocurrency records the transaction and asset details of all accounts on a distributed ledger such as blockchain, and what is needed to use the account you own as you wish is a private key managed by the wallet. If your keys are passed on to someone else, they can steal your entire wallet, so you must manage your private keys safely.

Cryptocurrency is independent of artificial adjustments or changes at the national level and is expected to play a role as a safe asset currency, but there are still limits to its ability to function as a currency used in real life.

Currently, cryptocurrency is primarily an investment target. However, since cryptocurrency also has the function of currency, there is a need to utilize the function of currency in various ways. Nowadays, since financial transactions through the Internet have become common, there is a need to make financial investments with cryptocurrency.

Conventionally, a P2P (Peer To Peer) investment brokerage matching platform via the Internet is known. Referring to Figures 1 and 2, this P2P investment brokerage matching platform includes an investor terminal 120, each used by one or more investors 10, and a debtor terminal 130, each used by one or more debtors 20. , each is configured to include a P2P investment brokerage matching platform server 110 connected through a communication network.

The P2P investment brokerage matching platform server 110 receives an investment (S1) with an investment condition attached, including any one or more of the investment amount, investment rate of return, and investment period, through the investor terminal 120, and responds to the above. Electronic money for the investment is issued to the investor terminal 120 (S2), and a loan application is made through the debtor terminal 130 with loan conditions including any one or more of the loan amount, interest rate, and loan period. After receiving the delivery (S3), the investment conditions and the loan conditions are matched and selected, and then the loan is paid to the debtor 20 through the debtor terminal 130 according to the selected investment conditions and loan conditions (S4). It is characterized by

However, the conventional investment brokerage matching platform described above is a platform that allows investment using actual currency as investment funds, so there is a need to develop a platform for investment using cryptocurrency.

(Patent Document 1) Korean Patent Publication No. 10-1842276 (Publication Date: 2018.05.04)

The purpose of the present invention is to provide a bond investment platform that allows bond investment using cryptocurrency.

In order to achieve the above task, the cryptocurrency bond investment platform of the present invention includes an investor terminal used by investors; And a cryptocurrency bond investment platform server connected to the investor terminal through a communication network, wherein the cryptocurrency bond investment platform server receives cryptocurrency through the investor terminal and issues cryptocurrency bonds to the investor terminal, When the cryptocurrency bond matures, the cryptocurrency promised in the cryptocurrency bond can be transmitted to the investor terminal.

Additionally, the cryptocurrency bond investment platform server can issue a bond NFT reflecting the cryptocurrency bond and transmit it to the investor terminal.

In addition, the cryptocurrency bond investment platform server automatically generates a bond file containing the contents of the cryptocurrency bond, and the bond file may be included in the bond NFT.

In addition, the cryptocurrency bond investment platform server can create a smart contract containing information about cryptocurrency payment upon bond maturity when issuing the bond NFT.

In addition, the cryptocurrency bond investment platform server can issue a bond NFT applying the smart contract when issuing the bond NFT.

Additionally, when the cryptocurrency bond matures, cryptocurrency transfer can be made through the smart contract.

In addition, the investor applies to purchase the cryptocurrency bond to the bond investment platform server 20 through the investor terminal, and the cryptocurrency bond investment platform server 20 confirms the application and issues the bond NFT. This can be transmitted to the investor terminal 10, and when the cryptocurrency bond matures, the cryptocurrency agreed to in the cryptocurrency bond can be transmitted to the investor terminal.

In addition, the investor applies to purchase the cryptocurrency bond to the bond investment platform server 20 through the investor terminal, and the cryptocurrency bond investment platform server 20 confirms the application and issues the bond NFT. When the bond matures, a smart contract containing information regarding cryptocurrency payment is created, a bond NFT to which the smart contract is applied is issued and transmitted to the investor terminal, and when the cryptocurrency bond matures, the cryptocurrency bond is issued. The agreed upon cryptocurrency can be transmitted to the investor terminal.

In addition, the first investor applies for the transfer of the cryptocurrency bond to the cryptocurrency bond investment platform server through the first investor terminal, and the second investor transfers the cryptocurrency bond directly to the first investor through the second investor terminal. Upon application, the cryptocurrency bond investment platform 20 will transfer the cryptocurrency bonds of the first investor if the first investor's intention to transfer the cryptocurrency bonds and the second investor's intention to transfer the cryptocurrency bonds are agreed upon. Automatically creates a smart contract containing the transfer to the second investor and the second investor pays the cryptocurrency to the first investor in return, and transfers the password from the first investor terminal to the second investor terminal. Currency bonds are directly transmitted, and the second investor can transmit cryptocurrency to the first investor terminal in return for acquiring the cryptocurrency bond through the second investor terminal.

In addition, the first investor applies for the transfer of the cryptocurrency bond to the cryptocurrency bond investment platform server 20 through the first investor terminal 10a, and the second investor applies the cryptocurrency bond through the second investor terminal 10b. An application to acquire the cryptocurrency bond is submitted to the currency bond investment platform server 20, and the cryptocurrency bond investment platform server 20 transmits the cryptocurrency bond to the second investor terminal 10b, and the second investor Transmits cryptocurrency to the cryptocurrency bond investment platform server 20 in return for acquiring the cryptocurrency bond through the second investor terminal 10b, and the cryptocurrency bond investment platform server 20 transmits the cryptocurrency to the second investor terminal 10b. The cryptocurrency paid by the investor can be transmitted to the first investor.

The present invention allows users to purchase bonds with cryptocurrency and invest in bonds through a cryptocurrency bond investment platform server, which has the effect of allowing cryptocurrency to be utilized in various ways as a means of currency.

1 is a block diagram of a conventional investment brokerage matching platform;

Figure 2 shows the basic operation of a conventional investment brokerage matching platform;

Figure 3 schematically shows a cryptocurrency bond investment platform according to the present invention;

Figure 4 is a diagram showing the basic operation of a cryptocurrency bond investment platform according to an embodiment of the present invention;

Figure 5 is a diagram showing the basic operation of a cryptocurrency bond investment platform according to another embodiment of the present invention;

Figure 6 is a diagram showing the operation of cryptocurrency bond transfer in a cryptocurrency bond investment platform according to another embodiment of the present invention;

Figure 7 is a diagram showing the operation of cryptocurrency bond transfer through a platform server that mediates transactions in a cryptocurrency bond investment platform according to another embodiment of the present invention.

Below, with reference to the attached FIGS. 3 to 7, the cryptocurrency bond investment platform according to the present invention will be described in detail.

Figure 3 schematically shows a cryptocurrency bond investment platform according to the present invention. The cryptocurrency bond investment platform according to an embodiment of the present invention includes an investor terminal 10 used by an investor as shown in FIG. 3, and a cryptocurrency bond investment platform server ( 20). Here, 'investor' refers to a user who wishes to invest a certain amount of cryptocurrency in cryptocurrency bonds using the cryptocurrency bond investment platform according to an embodiment of the present invention.

Meanwhile, the investor terminal 10 includes any one of portable terminals such as smartphones, laptops, and tablet PCs typically used by investors, as well as means capable of operating with a predetermined program installed, such as a desktop computer. It is composed.

Investors can invest in cryptocurrency bonds by transmitting cryptocurrency to the cryptocurrency bond investment platform server 20 through the investor terminal 10. Cryptocurrencies include Bitcoin, Ethereum, and Ripple. The cryptocurrency bond investment platform server 20 is managed by a cryptocurrency bond investment management company. The cryptocurrency bond investment platform server 20 issues an NFT (Non-Fungible Token) reflecting the bonds issued by the cryptocurrency bond investment management company, that is, a bond NFT, and transmits it to the investor through the investor terminal 10. Here, NFT refers to a non-fungible token, which means a token on the blockchain that cannot be replaced with another token.

Below, the operation of the cryptocurrency bond investment platform according to an embodiment of the present invention will be described with reference to FIG. 4.

The investor applies to purchase cryptocurrency bonds to the cryptocurrency bond investment platform server (20) through the investor terminal (10) (S10). Debtors can purchase cryptocurrency bonds by paying cryptocurrency (Bitcoin, Ethereum, Ripple, etc.). For example, investor A can deposit 100 bitcoins through the bond investment platform server 20 and apply for investment in bonds. In this case, Investor A can obtain more Bitcoins than the number of Bitcoins deposited when the bond matures.

Additionally, Investor B can deposit 50 million won worth of Bitcoin on a specific date and apply for investment in cryptocurrency bonds. In this case, when the bond matures, Investor B can receive back Bitcoin equivalent to more cash than the deposited cash.

The cryptocurrency bond investment platform server 20 confirms the application to purchase the cryptocurrency bond (S20).

After confirming the application to purchase a bond, an NFT containing the bond (hereinafter referred to as 'bond NFT') is issued and transmitted to the investor terminal 10 after approval by the manager (S30). Bond NFT issuance is explained in detail.

First, a PDF file or image file containing the contents of the bond to be issued is automatically created. For example, a pdf file or image file (hereinafter referred to as a 'bond file') containing the contents of the bond: 'The bond management company transfers 103 Bitcoins to Investor A to the wallet that owns this NFT on the bond maturity date.' ) can be automatically created. Alternatively, a PDF file or image file, that is, a bond file, containing the contents of the bond, 'The bond management company will transfer 51.5 million won worth of Bitcoin based on the Upbit price to debtor B to the wallet that owns this NFT on the bond maturity date.' Can be created automatically.

Next, an NFT containing the bond file, that is, a bond NFT, is issued and transmitted to the investor terminal 10. Bond NFT issuance can utilize blockchain ecosystems such as Ethereum, Klaytn, and Polygon. Investors can check the NFT containing the bond file in their wallet, that is, the bond NFT, through the investor terminal 10.

When the cryptocurrency bond matures, the cryptocurrency bond investment platform server 20 transmits the cryptocurrency promised in the bond file to the investor (S40). Here, the cryptocurrency bond investment platform server 20 automatically finds the wallet belonging to the NFT when the bond maturity date arrives and pays the agreed cryptocurrency to the investor. Regardless of who the first buyer of the bond is, the wallet address of the current owner of the NFT is found and payment is made according to the number and type of cryptocurrency specified in the bond. Cryptocurrency transfer can be done manually by the platform administrator.

Hereinafter, the operation of a cryptocurrency bond investment platform according to another embodiment of the present invention will be described with reference to FIG. 5.

Compared to the platform in Figure 4, the cryptocurrency bond investment platform in Figure 5 is different from the platform in Figure 4 in that it creates a smart contract when issuing a bond NFT and issues a bond NFT using this smart contract (S31). Since the rest is the same, only the parts that differ are explained.

In other words, when issuing a bond NFT in the cryptocurrency bond investment platform of Figure 5, for example, a smart contract code can be created that says, 'Transfer Bitcoin to the wallet that owns this NFT at bond maturity.' The bond NFT to which the above smart contract is applied is sent to the investor's wallet.

Additionally, when the bond matures, the transfer of the corresponding cryptocurrency is done through a smart contract.

Figure 6 shows the operation of cryptocurrency bond transfer in a cryptocurrency bond investment platform according to another embodiment of the present invention.

Cryptocurrency bonds purchased by investors by investing in cryptocurrency can be confirmed as NFTs that contain the bond file in their wallet, that is, bond NFTs. Investors can transfer their cryptocurrency bonds to other investors if necessary.

The first investor can apply for a cryptocurrency bond transfer (S110) to the cryptocurrency bond investment platform server 20 through the first investor terminal 10a and put it up for sale. A second investor interested in the cryptocurrency bond for sale can apply to acquire the cryptocurrency bond directly to the first investor through the second investor terminal (10b) (S120). If the first investor's intention to transfer the cryptocurrency bond and the second investor's intention to transfer the cryptocurrency bond are agreed upon, the cryptocurrency bond investment platform server 20 transfers the cryptocurrency bond of the first investor to the second investor. The transfer is made and the second investor automatically creates a smart contract containing the content of paying cryptocurrency to the first investor in return (S130). The bond investment platform server 20 may receive a predetermined fee from the first and second investors in return for creating this smart contract. The first investor may transfer his/her cryptocurrency bonds to the second investor in response to the transfer request of the second investor (S140). Here, the cryptocurrency bond transferred to the second investor may be a cryptocurrency bond to which the smart contract is applied. The second investor can complete the bond transaction by paying cryptocurrency to the first investor in return for acquiring the cryptocurrency bond (S150).

Cryptocurrency trading between investors uses the cryptocurrency bond investment platform server (20), but investors trade directly with each other, and the cryptocurrency bond investment platform server (20) provides space for trading and creates and provides smart contracts. .

Figure 7 shows the operation of cryptocurrency bond transfer in a cryptocurrency bond investment platform according to another embodiment of the present invention. The difference from the embodiment of Figure 6 is that the cryptocurrency bond transfer is performed through the cryptocurrency bond investment platform server 20. It is achieved through.

The first investor can apply for a cryptocurrency bond transfer (S210) to the cryptocurrency bond investment platform server 20 through the first investor terminal 10a and put it up for sale. A second investor interested in the cryptocurrency bond for sale can apply to acquire the cryptocurrency bond to the cryptocurrency bond investment platform server 20 through the second investor terminal 10b (S220). The cryptocurrency bond investment platform server 20 may transfer the cryptocurrency bond of the first investor to the second investor instead of the first investor in response to the transfer application of the second investor (S230). The second investor may pay cryptocurrency to the cryptocurrency bond investment platform server 20 in return for acquiring the cryptocurrency bond (S240). The cryptocurrency bond investment platform server 20 may complete the bond transaction by paying the cryptocurrency paid by the second investor to the first investor (S250).

In the cryptocurrency bond investment platform according to the embodiment of Figure 7, the cryptocurrency bond investment platform server 20 brokers cryptocurrency bond transactions between the first investor and the second investor to perform a safe transaction and pay a small fee from both sides. You can receive it.

The above description is merely an illustrative explanation of the technical idea of the present invention, and those skilled in the art will be able to make various modifications, changes, and substitutions without departing from the essential characteristics of the present invention. . Therefore, this embodiment is not intended to limit the technical idea of the present invention, but rather to explain it, and the scope of the technical idea of the present invention is not limited by this example. The scope of protection of the present invention should be interpreted in accordance with the claims below, and all technical ideas within the equivalent scope should be construed as being included in the scope of rights of the present invention.

10: Investor terminal

10a: First investor terminal

10b: Second investor terminal

20: Cryptocurrency bond investment platform server

Claims

Investor terminal (10) used by investors; and

It includes a cryptocurrency bond investment platform server (20) connected to the investor terminal (10) through a communication network,

The cryptocurrency bond investment platform server 20 receives cryptocurrency through the investor terminal 10 and issues cryptocurrency bonds to the investor terminal 10, and when the cryptocurrency bond matures, the cryptocurrency bond is issued. A cryptocurrency bond investment platform that transmits the cryptocurrency promised to the investor terminal (10).
According to paragraph 1,

The cryptocurrency bond investment platform server 20 issues a bond NFT reflecting the cryptocurrency bond and transmits it to the investor terminal 10.
According to paragraph 2,

The cryptocurrency bond investment platform server 20 automatically generates a bond file containing the contents of the cryptocurrency bond, and the bond file is included in the bond NFT. A cryptocurrency bond investment platform.
In paragraph 3

The cryptocurrency bond investment platform server 20 is a cryptocurrency bond investment platform that creates a smart contract containing information about cryptocurrency payment at bond maturity when issuing the bond NFT.
According to paragraph 4,

The cryptocurrency bond investment platform server 20 is a cryptocurrency bond investment platform that issues a bond NFT to which the smart contract is applied when issuing the bond NFT.
According to clause 5,

A cryptocurrency bond investment platform where cryptocurrency transfer is made through the smart contract when the cryptocurrency bond matures.
According to paragraph 1,

The investor applies to purchase the cryptocurrency bond to the bond investment platform server 20 through the investor terminal 10 (S10),

The cryptocurrency bond investment platform server 20 confirms the application (S20), issues the bond NFT and transmits it to the investor terminal 10 (S30),

A cryptocurrency bond investment platform that transmits the cryptocurrency agreed to in the cryptocurrency bond to the investor terminal 10 (S40) when the cryptocurrency bond matures.
In clause 7,

The cryptocurrency bond investment platform server 20 automatically generates a bond file containing the contents of the cryptocurrency bond, and the bond file is included in the bond NFT. A cryptocurrency bond investment platform.
According to paragraph 1,

The investor applies to purchase the cryptocurrency bond to the bond investment platform server 20 through the investor terminal 10 (S10),

The cryptocurrency bond investment platform server 20 confirms the application (S20),

When issuing the bond NFT, a smart contract containing information about cryptocurrency payment upon bond maturity is created, a bond NFT to which the smart contract is applied is issued and transmitted to the investor terminal 10 (S31),

A cryptocurrency bond investment platform that transmits the cryptocurrency agreed to in the cryptocurrency bond to the investor terminal 10 (S40) when the cryptocurrency bond matures.
According to clause 9,

A cryptocurrency bond investment platform where cryptocurrency transfer is made through the smart contract when the cryptocurrency bond matures.
According to any one of claims 1 to 10,

The first investor applies for the transfer of the cryptocurrency bond to the cryptocurrency bond investment platform server 20 through the first investor terminal 10a (S110),

The second investor applies to acquire the cryptocurrency bond directly to the first investor through the second investor terminal 10b (S120),

The cryptocurrency bond investment platform 20 transfers the cryptocurrency bonds of the first investor to the second investor when the first investor's intention to transfer the cryptocurrency bonds and the second investor's intention to transfer the cryptocurrency bonds are agreed upon. Automatically creates a smart contract containing the transfer and the second investor pays cryptocurrency to the first investor in return (S130),

Directly transmitting the cryptocurrency bond from the first investor terminal (10a) to the second investor terminal (10b) (S140),

A cryptocurrency bond investment platform in which the second investor transmits cryptocurrency to the first investor terminal (10a) in return for acquiring the cryptocurrency bond through the second investor terminal (10b).
According to clause 11,

A cryptocurrency bond investment platform where the smart contract is applied to the cryptocurrency bonds transferred to the second investor.
According to any one of claims 1 to 3, 7 and 8,

The first investor applies for the transfer of the cryptocurrency bond to the cryptocurrency bond investment platform server 20 through the first investor terminal 10a (S210),

The second investor applies for the transfer of the cryptocurrency bond to the cryptocurrency bond investment platform server 20 through the second investor terminal 10b (S220),

The cryptocurrency bond investment platform server 20 transmits the cryptocurrency bond to the second investor terminal 10b (S230),

The second investor transmits cryptocurrency to the cryptocurrency bond investment platform server 20 in return for acquiring the cryptocurrency bond through the second investor terminal 10b (S240),

The cryptocurrency bond investment platform server 20 transmits the cryptocurrency paid by the second investor to the first investor (S250).