KR20210061053A - A Program for processing cryptocurrency liquidity lending information - Google Patents

Abstract

An objective of the present invention is to provide an information processing program for renting cryptocurrency liquidity which has default resistance for removing the risk of loss from failing to collect a loan. According to an embodiment of the present invention, the program is stored in a medium to execute the following functions in a computer. The functions include: a function of having a credit guarantee fund service module linking terminals making up the nodes of a blockchain network, allowing the credit guarantee fund module to issue a credit cryptocurrency corresponding to collateral from a collateral provider terminal to provide the credit cryptocurrency, guaranteeing a corresponding liquidity cryptocurrency with the deposited credit cryptocurrency as collateral, and having a broker terminal to provide a rental application form for renting the liquidity cryptocurrency in accordance with the guaranteed bond on an application market network; and a function of having a liquidity provider terminal to receive the liquidity cryptocurrency in accordance with the guaranteed bond, and having a liquidity lender terminal to pay the liquidity cryptocurrency provided by the liquidity provider terminal to the liquidity lender terminal in accordance with a rental request corresponding to the rental application form.

Description

A Program for processing cryptocurrency liquidity lending information

The present invention relates to a virtual currency liquidity rental processing program. More specifically, the present invention relates to a program for processing information for virtual currency liquidity rental using a block chain with default resistance.

In the modern society, the loan financing business of financial institutions such as banks and credit companies occupies an important part, and for such existing financial services related to financial loans, various technologies based on automation and computerization have been developed. However, in the case of such a conventional loan financial service, the financial institution manages the money paid from the lender once and lends it to the borrower, so the risk that the loan cannot be recovered is a structure that financial institutions have to bear most of the risk, and there was a limitation. .

To this end, P2P (Peer to Peer) loans are being proposed as a new loan method in which a large number of investors (creditors), not banks or private financing, collect money and lend it directly to individuals or companies. P2P loans are performed online, so recruitment advertising and labor costs can be reduced, investors can earn higher returns than bank interest rates, and the target of investment is to borrow capital at a simpler rate than banks and at a lower interest rate than private finance. The market is growing rapidly due to various advantages such as that it is possible.

The P2P lending market is showing rapid growth against the backdrop of the global financial crisis and internet-based technological innovation. In line with this, startup companies through various business models are attracting the attention of lenders and investors.

However, this P2P loan system also performs processes such as demand for loans and product opening by a specific financial service providing device centrally concentrated, rather than direct transactions between individuals, and accordingly, individual loans and collateral setting, The return process is provided, and as a result, the scale of the service is centralized due to the centralized service, and now, there is a problem that it is difficult to access unless it is a large-sized business such as a lender.

As a result, in centralized loan financing, since the lender is a business that requires both risk-bearing and excess profits, and requires large-scale capital financing, individuals and small and medium-sized groups are gradually excluded from centralized services. As it becomes difficult to take advantage of, it is necessary to introduce a platform to solve this problem.

On the other hand, based on blockchain technology, cryptocurrency that has recently emerged is also called virtual currency, and is growing as a means of payment for goods and services. However, these cryptocurrencies currently do not have a sufficient legal basis for their use, so they are free to issue and distribute, and thus have high liquidity of their value.

In addition, due to this liquidity, restrictions on cryptocurrency are being made at the national level, and a global scale-up is required to overcome this.

In particular, in order to activate such a cryptocurrency or cryptocurrency global platform, participants with informational advantages within the platform need to be active within the financial process, and risk is distributed among globally distributed participants. The stability of the entire system must be secured, and a mechanism to supply liquidity and credit is required despite existing fiat financial regulations and exchange rate fluctuations. If these requirements are not resolved, the system may become unmaintainable due to the cumulative occurrence of defaults. For example, in developing countries or developing countries, these default risks are difficult to avoid, and cross-border financing can lead to currency risks.

The present invention provides a decentralized cryptocurrency rental financial service using a block chain, thereby having lower procurement and operating costs compared to existing loan services, while also providing cryptocurrency loans not only to lenders, but also individuals or small groups of experts. The purpose is to provide an information processing program for virtual currency liquidity rental with default resistance that can run a business as an institution and eliminates the risk of unrecovered loss of loans.

In addition, the present invention provides a liquid cryptocurrency based on credit, operates a rental financial service platform based on it, and prevents risk and efficiency degradation caused by exchange rate fluctuations and regulations between legal currencies by country, especially in global services. It is an object to provide an apparatus and method for providing financial services that have resistance to default occurrence and enable sustainable service operation.

A program for executing a system processing method on a computer using a network system formed of a block chain network according to an embodiment of the present invention is, in an intermediary terminal, on a subscription market network, from a security provider terminal by a credit guarantee fund service module. Issuing a rental subscription for payment of liquidity virtual currency to the liquidity loaner terminal, which is guaranteed with the credit virtual currency And receiving, by the liquidity loaner terminal, the liquidity virtual currency according to the liquidity virtual currency provision information of the liquidity provider terminal corresponding to the rental agreement.

In addition, the network system formed as a block chain network according to an embodiment of the present invention is guaranteed by using a credit virtual currency from a security provider terminal as collateral by a credit guarantee fund service module on the subscription market network, and to a liquidity lender terminal. An intermediary agency terminal issuing a rental subscription for payment of liquid virtual currency; And a liquidity rental terminal receiving a liquidity virtual currency according to a liquidity virtual currency provided by a liquidity provider terminal corresponding to the rental subscription.

According to an embodiment of the present invention, on the subscription market network, a rental subscription letter corresponding to liquidity virtual currency is provided by using a credit virtual currency provided from a collateral provider as collateral, and according to a rental application corresponding to the rental agreement, the By providing a decentralized cryptocurrency rental financial service by providing a liquid cryptocurrency issuance and credit cryptocurrency according to each number of times corresponding to this, while having lower procurement and operating costs compared to existing loan services, loans Not only institutions, but also individuals or small groups of experts can conduct business as a cryptocurrency lending institution, and the risk of unrecovered loss of loans can be eliminated.

In addition, as the liquidity of the virtual currency is distributed through the market mechanism, the cost of financing is naturally determined, and credits are added for each participation rate to the participating participant nodes, so there is an advantage that it can easily induce business participation.

In addition, according to an embodiment of the present invention, by configuring a cryptocurrency liquidity rental system in which a credit guarantee fund service module is provided on a blockchain system capable of asset management and default liquidation of a collateral provider, credit-based liquidity virtual currency And, in operating a rental financial service platform based on this, to prevent risk and efficiency decline caused by exchange rate fluctuations and regulations between legal currencies in each country, and provide financial services that enable sustainable service operation with default resistance. It is possible to provide an apparatus and a method thereof.

In addition, the credit guarantee fund service module according to an embodiment of the present invention manages reserves against issuance of liquid cryptocurrency, secures initial liquidity supply through issuance of cryptocurrency based on expanded bonds for a certain initial period from the service start date, and secures credit. By managing the guarantee fee rate of the guarantee fund to suppress the rise of the default rate, preventing the depreciation of the collateral assets and reducing the volatility of the value of cryptocurrency, the participation of collateral providers, liquidity providers, and liquidity lenders is facilitated. It is possible to provide an apparatus and method for providing financial services that can be adjusted to induce and receive appropriate participation rewards accordingly.

1 and 2 are conceptual diagrams schematically showing an entire system according to an embodiment of the present invention.
3 is a block diagram showing in more detail a blockchain-based virtual currency rental system according to an embodiment of the present invention.
4 and 5 are diagrams for explaining the payment and block chain structure of CRD and LQD according to an embodiment of the present invention.
6 to 8 are flowcharts illustrating a rental subscription process according to an embodiment of the present invention.
9 to 13 are block diagrams for explaining in more detail each terminal constituting a system according to an embodiment of the present invention.

The following content merely exemplifies the principles of the present invention. Therefore, those skilled in the art can implement the principles of the present invention and invent various devices included in the concept and scope of the present invention, although not clearly described or illustrated herein. In addition, it is understood that all conditional terms and examples listed in this specification are, in principle, expressly intended only for the purpose of making the concept of the present invention understood, and are not limited to the embodiments and states specifically listed as such. It should be.

In addition, it is to be understood that all detailed descriptions listing specific embodiments as well as principles, aspects and embodiments of the present invention are intended to include structural and functional equivalents of these matters. It should also be understood that these equivalents include not only currently known equivalents, but also equivalents to be developed in the future, that is, all devices invented to perform the same function regardless of the structure.

Thus, for example, the block diagrams herein are to be understood as representing a conceptual perspective of exemplary circuits embodying the principles of the invention. Similarly, all flowcharts, state transition diagrams, pseudocodes, etc. are understood to represent the various processes performed by a computer or processor, whether or not the computer or processor is clearly depicted and that can be represented substantially in a computer-readable medium. It should be.

In addition, the explicit use of terms presented as processor, control, or similar concepts should not be interpreted exclusively by quoting hardware capable of executing software, and without limitation, digital signal processor (DSP) hardware, ROM for storing software. It should be understood to implicitly include (ROM), RAM (RAM) and non-volatile memory. Other commonly used hardware may also be included.

The above-described objects, features, and advantages will become more apparent through the following detailed description in connection with the accompanying drawings, whereby those of ordinary skill in the technical field to which the present invention pertains can easily implement the technical idea of the present invention. There will be. In addition, in describing the present invention, when it is determined that a detailed description of a known technology related to the present invention may unnecessarily obscure the subject matter of the present invention, a detailed description thereof will be omitted.

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

1 and 2 are conceptual diagrams schematically showing an entire system according to an embodiment of the present invention.

First, as shown in FIG. 1, the cryptocurrency trading system according to an embodiment of the present invention may be configured as a block chain mesh network formed by one or more trading terminals connected by wire or wirelessly through a network.

To this end, each transaction terminal may be equipped with a communication module for accessing the blockchain network. The blockchain network may be implemented as a wired network such as, for example, a local area network (LAN), a wide area network (WAN), or a value added network (VAN). In addition, blockchain networks include mobile radio communication network, satellite communication network, Bluetooth, Wireless Broadband Internet (Wibro), High Speed Downlink Packet Access (HSDPA), Wi-Fi, and Long Term (LTE). Evolution) and the like can be implemented in all types of wireless networks. If necessary, the blockchain network may be a mixed wired and wireless network.

In addition, each trader terminal may register account information according to its node access in the transaction book data shared in a cloud manner through the network. In addition, when a cryptocurrency transaction is required, each trader terminal may propagate transaction information to be recorded in the transaction book data to each trader terminal.

And, according to the corresponding mutual verification process, for example, when approval from a node terminal having a certain ratio or more is processed, the transaction book data is updated and the information is shared, so that a transaction of cryptocurrency can be processed.

Here, the transaction book data is a block chain having a structure in which a plurality of blocks are sequentially connected according to the order of creation by including the hash value of the block previously generated by the current block for each block corresponding to a predetermined time or unit ( block chain) can be linked with data.

Accordingly, verification of forgery or alteration of transaction book data can be easily processed according to verification of the hash value of the block chain. To this end, each trader terminal may provide computing power to perform calculation and verification processing for calculating the hash value of the next block, and may obtain a corresponding reward.

The security stability of such a blockchain can be formed by the participation of the sharers who share data in the system. Therefore, transaction information blocks including details of sharing between each sharer terminal connected to the blockchain network and currency issuance/transaction details, etc. can be sequentially stored, and hash values to prevent forgery are sequentially block chained. Transaction verification (proof-of-work) processing to be performed can be distributed in each trader terminal.

2 shows a liquidity rental system based on a blockchain network according to an embodiment of the present invention. In the liquidity rental system according to the embodiment of the present invention, social asset value information corresponding to credit is provided as collateral by a collateral provider. In addition, CRD (credit), which is a cryptocurrency corresponding to the collateral, is generated, and liquidity value information of the property of bonds that can be loaned in response to the CRD is set to LQD (liquid), which is another cryptocurrency, and LQD is guaranteed by the credit guarantee fund service module. Then, the liquidity lender can perform LQD rental and repayment activities for the brokerage manager's LQD rental subscription information generation and sharing to the loan bond subscription market network. Collateral providers, liquidity providers, and operators of each intermediary for such activities can receive compensation incentives from the blockchain network for individual activities. The liquidity rental system according to an embodiment of the present invention can provide a blockchain network in which each CRD and LQD are distributed through this process, and evaluation corresponding to the demand and compensation according to the system contribution are processed respectively.

To this end, each credit collateral provider, liquidity lender, brokerage agency operator, loan bond market, and liquidity provider can perform blockchain-based lending protocol processing using their own transaction terminals.

In addition, the credit guarantee fund service module can be provided as a separate server or run on a specific transaction terminal, and the default of the contract according to the loan subscription based on the credit guarantee for the bond at the time of issuing LQD for the CRD and the bond collateral processing. By performing the guarantee processing at the time of occurrence, the overall liquidity rental service system management for system maintenance can be performed.

Accordingly, each transaction terminal and a terminal on which all or at least some of the functions of the credit guarantee fund service module are mounted can be registered in the blockchain network as respective nodes according to the nature of each processing process and network registration, and the transaction terminal is For example, as shown in FIG. 3 to be described later, a liquidity rental terminal 100, a rental agency terminal 200, a liquidity provider terminal 300, a collateral providing terminal 350, a subscription market network operation terminal 400 ) And credit guarantee fund service module terminal 500. However, this is classified according to the process processed by the transaction terminal, and in reality, even if it is a single terminal according to financial services, the classification may be changed from each other at any time as different functions and services are executed.

According to an embodiment of the present invention, a credit cryptocurrency CRD based on a blockchain network can be used, and the CRD can be obtained by converting the credit of a collateral provider as a social asset. It can also be awarded as a reward.

Meanwhile, based on the blockchain network, the liquid virtual currency LQD can respond to a liquid currency that can be traded in the real economy, and can be converted into an appropriate currency value. In addition, the liquidity cryptocurrency LQD can be paid from the liquidity provider to the liquidity loaner through the rental subscription market, using the credit cryptocurrency CRD as collateral according to the contract terms specified in the rental subscription. Provision and subscription brokerage processing can be performed.

More specifically, the rental brokerage agency may acquire credit cryptocurrency CRD from a collateral provider or directly provide collateral, design a loan subscription for liquid cryptocurrency LQD based on this, and upload the designed loan subscription to the subscription market.

Here, in order to generate a rental subscription, the rental brokerage agency may first transmit information on the bond guarantee request for the loan subscription to the credit guarantee fund service module through the bond guarantee application corresponding to the collateral or CRD. The credit guarantee fund service module may transmit a request for performing a guarantee evaluation process corresponding to the guarantee bond request information to one or more security provider terminals. According to the guarantee evaluation process, the security provider terminal provides the credit virtual currency CRD evaluated in an appropriate amount for the issuance of the rental subscription to the brokerage agency operator terminal, so that the issuance of the bonds guaranteed by the brokerage agency may be approved.

Accordingly, the credit guarantee fund service module stores and manages the standard currency information, borrowing amount information, maturity information, and guarantee fee rate information of the rental subscription corresponding to the bonds guaranteed by the approved intermediary agency, and in response to this, the CRD provided from the security provider terminal. Can be collected and stored and managed.

In addition, the credit guarantee fund service module transmits the guarantee bond information corresponding to the rental subscription to the rental brokerage agency, thereby distributing the brokerage guarantee bond information corresponding to the loan subscription information of the rental brokerage agency. Such intermediary guarantee bond information can be sold at a separate bond exchange, and can have liquidity value that can be used as a payment method in other types of transactions. If the intermediary bond information guaranteed for the rental subscription has expired, the credit guarantee fund service module can automatically list the intermediary bond information on the bond exchange, and the intermediary agency can automatically list the bond information based on the exchange rate (for example, the bond amount. And the sum of guarantee fees), etc., in liquid cryptocurrency LQD, to process the liquidation of bonds.

On the other hand, in response to such a rental subscription, the liquidity provider holding the LQD may determine the payment of the LQD by referring to the secured CRD and the subscription condition. That is, the LQD is paid based on the CRD secured in the rental subscription, and the CRD secured by the execution of the contract can be stored in the subscription market for a certain period of time.

In addition, the liquidity lender can apply for LQD rental for the rental subscription for which the LQD has been paid through authentication and document submission required by the rental brokerage agency, through which liquidity virtual currency LQD is paid and used, and the liquidity virtual currency Repayment and payment of usage fees using currency LQD can be processed.

According to the process of each terminal node performing such processing, system compensation may be processed by each node. The system reward can be paid as the aforementioned credit cryptocurrency CRD, which can be paid in the form of issuing, mining, or recovering usage fees from other nodes.

On the other hand, if the above-described brokerage bond information has expired, but there is a default bond for which the liquidity lender's LQD redemption is not completed, the credit guarantee fund service module uses the liquidity virtual currency LQD prepared in advance to determine the incomplete amount of the brokerage bond information. Repayment can be processed, and in response to this, the CRD cryptocurrency, which is a pre-provided collateral, can be acquired. Accordingly, even when a default occurs, it is possible to pay the usage fee to the liquidity provider and the collateral provider, and the credit guarantee fund service module can perform a system discard or removal process of the intermediary bond information according to the completion of the payment.

3 is a block diagram showing in more detail a block chain-based virtual currency rental system according to an embodiment of the present invention, and FIGS. 4 and 5 illustrate the payment and block chain structure of CRD and LQD according to an embodiment of the present invention. These are drawings for explanation.

3, a virtual currency rental system according to an embodiment of the present invention includes a liquidity rental terminal 100, a rental brokerage terminal 200, a liquidity provider terminal 300, a collateral provider terminal 350, and a subscription market. It may include a network operation terminal 400, and the credit guarantee fund service module 500 performs credit guarantee fund service, virtual currency management, stability management, and overall system management through network connection with each system configuration terminal. I can.

First, the blockchain network operated by FIG. 3 is operated according to the transaction and rental of virtual currency, which can be implemented by the virtual currency transaction process with reference to FIGS. 4 and 5. 4 and 5, the cryptocurrency traded in the blockchain network according to the embodiment of the present invention is a first cryptocurrency, which corresponds to a credit cryptocurrency, and a second cryptocurrency, which corresponds to a liquid cryptocurrency. LQD can be set.

First, as shown in FIG. 5, the credit cryptocurrency CRD is a cryptocurrency issued in a blockchain network, and the amount of issuance may be an inflation currency that increases in log scale. In addition, as described above, the credit cryptocurrency CRD can be a cryptocurrency that converts the provider's credit as a social asset, and each trader can provide the platform contribution reward or the CRD held through a separate transaction as collateral corresponding to the LQD. have.

In addition, for example, miners and traders may receive block generation compensation and transaction fees as CRD by the transaction fee compensation unit 410 of the subscription market network operation terminal 400, and the rental brokerage agency is the subscription market network. The block chain network usage fee may be paid in CRD through the block fee compensation unit 420 of the operation terminal 400.

In addition, CRD holders, collateral providers, liquidity providers, and liquidity lenders can receive platform contribution rewards based on CRD according to the market network operation of the subscription market network operating terminal 400, but they have CRDs, but do not provide them as collateral. Therefore, non-secured CRD holders that are not actually used on the platform may be processed to pay CRD costs by depreciation.

Here, the collateral provider terminal 350 is a CRD holder who has a CRD, and may be a terminal of a collateral provider that provides the CRD as collateral, and the collateral provider terminal 350 provides a CRD collateral, and the subscription market network operation terminal 400 A portion of the LQD fee according to the virtual currency rental process executed in) can be obtained as a usage fee, or a predetermined CRD can be received as a platform contribution reward. Since the design of a loan subscription for CRD collateral is processed by the intermediary agency terminal 200, detailed CRD collateral and LQD lending processes will be described in more detail for each subject later.

These credit cryptocurrency CRDs can be listed and traded on a cryptocurrency exchange, and when a rental contract is concluded by the intermediary terminal 200 and the subscription market network operation terminal 400, LQD virtual payments from the liquidity provider terminal 300 As collateral for money, it may be provided to the subscription market network. The CRD provided as collateral is maintained on the subscription market network for a certain period of time, and a usage fee according to the contract may be provided to the collateral provider terminal 350 as the platform contribution compensation.

The CRD provided as collateral is maintained until the loan of the corresponding LQD expires or repayment is completed according to the contract to secure the repayment of the liquid cryptocurrency LQD, and if it is not repaid by the loan expiration, the credit guarantee fund service described above. Default processing based on the intermediary guarantee bond information may be performed by the module 500, and correspondingly, the CRD provided in advance as a guarantee may be acquired as a guarantee fund of the credit guarantee fund service module 500.

However, according to an embodiment of the present invention, the credit guarantee fund service module 500 may provide a predetermined grace period for default processing. The credit guarantee fund service module 500 provides the security provider terminal 350 with information on the right to take over the guarantee bond during the grace period so that the security provider terminal 350 can recover the CRD. You can provide an opportunity.

5 is a diagram for explaining the flow of LQD, a liquid cryptocurrency, and the liquid cryptocurrency LQD may be an ASSET BACKED TOKEN that is formed so that the total amount of issuance in the blockchain network matches the total amount of the liquidity rental contract.

Liquid cryptocurrency LQD is generated by lending the credit cryptocurrency CRD executed in the subscription market network operation terminal 400, and may be a STABLE TOKEN that maintains its value by incineration when redeemed. LQD, which can be listed and traded, provided from each liquidity provider terminal 300 is paid to the liquidity lender terminal 100, which is the borrower who lent it, and a part of the fee upon repayment of the LQD is the collateral provider terminal 350 ) And the liquidity provider terminal 300 may be paid to users. Here, the fee paid to the collateral provider terminal 350 may be a fee for credit, and the fee paid to the liquidity provider terminal 300 may be a fee for using liquidity for LQD payment.

These usage fees and compensation fees may be processed by the subscription market network operation terminal 400, and for processing and compensation of fees for each process, the subscription market network operation terminal 400 includes a transaction fee compensation unit 410, a block fee. It may include a compensation unit 420 and a loan contribution compensation unit 430.

In addition, the rental brokerage agency terminal 200 acquires a loan bond asset for the liquidity lender terminal 100 by execution of a rental subscription contract, and obtains a fee for signing a contract, such contract and loan bond asset information It may be managed by the bond asset management unit 440 of the subscription market network operation terminal 400.

When the loaned LQD is not repaid until expiration, the credit usage fee of the CRD provided as collateral and the LQD paid to the collateral provider terminal 350 as platform contribution compensation are paid to the liquidity provider terminal 300 for a certain period of time. It is processed by the operation terminal 400, and accordingly, the lent LQD can be 100% preserved after a certain period of time, and the period required for this is determined when issuing the subscription at the pre-subscription market network operation terminal 400, and Can be displayed on.

The operation of the rental system based on each credit cryptocurrency CRD and liquid cryptocurrency LQD will be described in more detail below.

First, the liquidity rental terminal 100 may be a terminal of a rental user who wants to lease an LQD. In addition, the liquidity rental terminal 100 may connect to a blockchain network through an application installed in the terminal and select and communicate with the rental brokerage terminal 200. The liquidity rental terminal 100 may receive rental application information for applying for LQD rental through the rental agency terminal 200 and transmit it to the rental agency terminal 200, and the rental application information is, for example, rental It may include at least one of required LQD quantity information, usage information, user information, credit information, authentication information, and reference currency information of the user.

In addition, when the rental application information of the liquidity rental terminal 100 is received, the rental brokerage agency terminal 200 may first set a credit collateral CRD corresponding to the rental application information.

Here, the credit collateral CRD may be set to a liquidity provider who will lend the LQD to a liquidity lender and as a collateral of the loan principal LQD. These CRDs are maintained in the subscription market network during the collateral period, and if the return of the loaned LQD is not completed, the LQD paid from the network is paid to the liquidity provider as a usage fee corresponding to the provision of the CRD collateral for a certain period of time. The corresponding losses can be compensated.

The credit collateral CRD set as collateral may include the CRD of the rental intermediary terminal 200 and the CRD of the mortgage provider terminal 350 that mediates rental product design and rental processing, and the credit guarantee fund service module 500 Can be covered by the warranty. In order to collect and set more CRDs, the rental intermediary terminal 200 provides the rental application information and the rental product design information according to the verification result to the liquidity collateral provider terminal 350, and the CRD corresponding to the design information Provided information may be additionally set by collecting the provided information from the liquidity collateral provider terminal 350 in an auction method.

When the collected CRD is guaranteed and secured, the intermediary agency terminal 200 generates a rental subscription based on product design information, provides the rental subscription to the liquidity rental terminal 100 to receive consent information, and agrees. The received rental subscription is transmitted to the subscription market network terminal 400 to be registered on the subscription market network. Here, the rental subscription may include at least one of LQD redemption schedule information, collateral CRD quantity information, LQD usage rate information, rental LQD quantity information, issuing agency information, and standard currency information.

Meanwhile, the liquidity provider terminal 300 may be a terminal of a liquidity holder holding an LQD, and may check and output the rental subscription through the subscription market network.

In addition, the liquidity provider may input LQD provision information for the rental subscription through the liquidity provider terminal 300. The LQD provision information may be, for example, LQD provider information and information on the quantity of LQDs to be provided.

The subscription market network operation terminal 400 may receive LQD provision information for the rental subscription form from the liquidity provider terminal 300, and transmit the received LQD provision information to the intermediary agency terminal 200.

Accordingly, the intermediary agency terminal 200 may execute the LQD rental process based on the rental subscription. According to the execution of the lease process, the LQD of the liquidity provider terminal 300 may be paid to the liquidity lender terminal 100 after deducting a predetermined usage fee, and the CRD of the intermediary terminal 200 or the collateral provider terminal 350 corresponding thereto Collateral information can be established during the collateral period. Thereafter, the liquidity lender terminal 100 performs the LQD return and LQD usage fee payment processing after the use of the paid LQD, and the paid usage fee is based on the usage rate of the rental subscription, the intermediary agency terminal 200, the collateral provider terminal 350 ) And the liquidity provider terminal 300 may be distributed and paid.

Meanwhile, after using and returning the LQD during the rental period, the liquidity rental terminal 100 can receive a credit virtual currency CRD as a contribution to the subscription market network for the rental use, and if it is not repaid within the period, the credit history is subscribed. It may be recorded in the subscription market blockchain by the market network operation terminal 400.

And, the intermediary agency terminal 200 holds a certain amount of credit cryptocurrency CRD that can provide collateral, designs loan products, and stores a process for managing sales based on rental subscriptions, LQD rental process, and recovering LQD usage fees. And a running terminal. Here, the intermediary agency terminal 200 can provide the above process while some functions are installed in each lender terminal 100, the security provider terminal 350, or the liquidity provider terminal 300. It may be installed in the rental terminal 100, the security provider terminal 350, or the liquidity provider terminal 300.

The intermediary agency terminal 200 periodically acquires license renewal from the subscription market network, and can receive upgraded loan size and conditions that can be handled accordingly, and the condition grade may be determined according to the amount of credit cryptocurrency CRD. .

In addition, the intermediary agency terminal 200 applies for an intermediary agency license for the subscription market network, design of a rental product of liquid virtual currency LQD (lease period, unit rental amount, total rental amount limit, etc.), and a collateral provider terminal 350 or an intermediary agency. The terminal 200 may process the credit virtual currency CRD collateral setting process.

In addition, the intermediary agency terminal 200 may receive an encryption key for electronic signature of the subscription market network as a license code, and may open an intermediary agency and conduct business using this.

In addition, the intermediary agency terminal 200 processes communication with the liquidity lender terminal 100, the collateral provider terminal 350, the liquidity provider terminal 300, and the subscription market network operation terminals 400, processing of LQD transaction information, and Each liquidity provider terminal 300 and liquidity lender so that the payment and rental contract of the liquid virtual currency LQD, which is collateralized with the CRD, and the corresponding credit cryptocurrency CRD, is smoothly concluded. Information exchange processing between the terminals 100 may be performed.

In addition, the intermediary agency terminal 200 performs lease account management and collection processing of the liquid virtual currency LQD of the liquidity rental terminal 100, and may receive part of the LQD rental fee as a fee, and upon completion of each process. Accordingly, it is also possible to receive credit cryptocurrency CRD as a reward from the blockchain network.

In addition, the intermediary agency terminal 200 can process the renewal of the license issued from the subscription network, and the license can be determined according to the measurement of the unrecovered rate (the LQD unrecovered rate by default) or a change in handling conditions. Conditions may include period, unit amount, total amount, and the like.

Meanwhile, the security provider terminal 350 may be a terminal that deposits the CRD to the credit guarantee fund service module 500 through the intermediary terminal 200. To this end, the collateral provider terminal 350 may view and output product design information including application information of the LQD rental user provided from the rental agency terminal 200. Here, the product design information may include LQD rental application information and related document information of the liquidity lender collected by the rental agency terminal 200. For example, the product design information may include at least one of required LQD quantity information, usage information, user information, credit information, authentication information, and standard currency information of the LQD rental user provided from the rental application.

In response to product design information, the plurality of collateral provider terminals 350 may receive CRD provision information for guaranteeing collateral for a specific LQD rental application as a credit virtual currency CRD. The input CRD provision information may be transmitted to the credit guarantee fund service module 500. For example, it may include collateral CRD quantity information and usage rate information, and when the CRD provision information of a plurality of users is input to the product design information, the most suitable optimal value according to the smart contract logic set in advance based on the blockchain. CRD collateral and usage rates can be determined.

The intermediary agency terminal 200 may generate an LQD rental subscription based on the guaranteed CRD collateral and the usage rate for the bond corresponding to the product design. In addition, as collateral for the rental application may be provided by the intermediary agency terminal 200, the CRD provided as collateral at the time of initial creation of product design information may be 100% provided by the intermediary agency terminal 200. .

This collateral provider terminal 350 uses its own credit virtual currency CRD as collateral, and when the liquid virtual currency LQD provided from the liquidity provider terminal 300 is leased to the liquidity lender terminal 100, the rental fee is paid in LQD. As a rental fee corresponding to some, you can receive a CRD collateral fee. In addition, at the time of lease expiration, credit cryptocurrency CRD can be additionally issued from the blockchain network as a system contribution reward.

In addition, the liquidity provider terminal 300 may also receive a fee corresponding to providing the LQD lease to the liquidity lender terminal 100, and may obtain system contribution compensation as CRD. Payment of these amounts and rewards can be processed through an electronic wallet based on a blockchain network.

On the other hand, the liquidity provider terminal 300 may perform recovery processing during the rental period of the liquid virtual currency LQD within the rental end period. If a default occurs, the credit guarantee fund service module 500 may divide and pay the LQD generated as the usage fee of the CRD provided as collateral to the liquidity provider terminal 300, and the CRD provided as collateral is a collateral provider terminal. After a certain grace period provided by (350), the default processing of storing and managing in the guarantee fund may be performed.

On the other hand, when the normal lease expires, the credit virtual currency CRD according to the platform contribution may be paid to the collateral provider terminal 350.

In addition, since the rental use and return of the liquidity rental terminal 100 also corresponds to the platform contribution, a reward CRD corresponding to the rental use may be paid to the liquidity rental terminal 100 after the return is completed. Such credit virtual currency CRD can be paid to all platform contributors as a reward for the completion of the process, and thus can be paid for each of various processes according to subscription, rental, and provision of collateral.

Meanwhile, the credit guarantee fund service module 500 may be a system control node terminal that processes the value adjustment of the liquid virtual currency LQD and the credit virtual currency CRD. In particular, the credit guarantee fund service module 500 may be a manager terminal that adjusts the guarantee fee and the usage rate according to the price of the reference market, and the security provider terminal 350 by increasing the CRD value of the secured guarantee asset to a certain level. Participation in the provision of assets and an increase in the overall amount of loans. In addition, the credit guarantee fund service module 500 may increase the default resistance of a virtual currency-based rental system by adjusting the number of CRDs that can be distributed by collecting CRDs according to the default liquidation process.

In addition, the credit guarantee fund service module 500 may have a function of adjusting the amount of circulation of LQD, and at the beginning of the platform service, it is possible to secure an initial liquidity supply amount by processing the issuance of cryptocurrency based on extended bonds for a certain initial period. In addition, in the initial period, in order to prevent a shortage of lenders and increase the yield of bonds, the credit guarantee fund service module 500 directly takes over some of the guaranteed bonds, thereby increasing the effective rate of return of LQD to liquidity lenders. You can induce participation. Accordingly, the balance of loans gradually increases with the passage of time, so financial risks can gradually emerge while maintaining the improvement in the yield of loans.

6 to 8 are flowcharts illustrating a process of providing a collateral and a rental subscription according to an embodiment of the present invention.

6 and 7 are product design information processing processes for requesting loan credit collateral, for example, in a more specific illustration of a loan credit oracle process, in the form of a credit oracle in which the loan credit collateral request from an intermediary agency is product design information When provided from the intermediary agency terminal 200 to one or more collateral provider terminals 350 (S201), each collateral provider terminal 350 provides the credits with betting information for betting the interest rate and CRD to provide collateral in a Dutch auction method. You can type in Oracle.

Here, the credit oracle according to an embodiment of the present invention provides product design information including the application information of the LQD rental applicant to the collateral provider terminal 350, and from the collateral provider terminal 350 of the user who wants to provide collateral. It may be a software or hardware module that receives an application for the CRD and usage rate to be provided, and executes one or more processes for setting the optimal CRD collateral and determining the usage rate, and is executed in the rental agency terminal 200 to process information thereof. Can be output. The credit oracle can be stored and shared in advance in the form of a smart contract on a blockchain network.

Thereafter, the intermediary agency terminal 200 acquires an optimal LQD quantity table for each CRD usage rate according to the credit oracle input and processing, and the use guaranteed by the credit guarantee fund service module 500 from the corresponding collateral provider. A confirmation request for confirming the rate and amount information is transmitted to the security provider terminal 350 (S203).

According to the confirmation of consent, the intermediary agency terminal 200 includes the CRD guaranteed by the credit guarantee fund service module 500 for the collateral provided by each collateral provider terminal 350, and the amount of LQD available for lending for each of the above usage rates. A rental subscription including a table may be generated (S205), and the generated rental subscription may be disclosed to the market network.

According to this CRD collateral setting, 100% loss of the liquidity provider terminal 300, which is the LQD lender, can be compensated by platform compensation LQD distributed to the CRD holder even when the LQD loan is not repaid, and when the loan repayment is completed, the secured CRD A virtuous cycle process that can be recovered back to the collateral provider terminal 350 may be provided.

7 is a diagram illustrating a rental subscription according to an embodiment of the present invention. The rental subscription may be shared from the intermediary agency terminal 200 through an subscription block chain network formed through one or more subscription network operation terminals 400. .

Referring to FIG. 7, the rental subscription may be a smart contract described as a standard protocol of a subscription network composed of a block chain, and the liquidity provider terminal 300, which is an LQD liquidity provider, is applied to a collateral CRD corresponding to the rental LQD even if the rental is not repaid. You can receive 100% recovery after a certain period through the platform contribution reward LQD that is paid for.

For example, the loan agreement contains at least one of liquidity provider information, LQD repayment schedule for this, collateral CRD quantity (including credit fund bond guarantee information), LQD usage rate, rental quantity, issuing agency information, and base exchange rate information. Can include.

On the other hand, referring to FIG. 7, a rental process according to a rental application of the liquidity rental terminal 100 is shown. First, the intermediary agency terminal 200 receives LQD rental application information from the liquidity rental terminal 100 (S101). ).

Here, the liquidity rental terminal 100 may select an intermediary agency optimal for itself from among a plurality of rental intermediaries, and provide LQD rental application information to an intermediary agency terminal 200 corresponding to the selected intermediary agency.

In addition, the intermediary agency terminal 200 collects identity authentication information and rental documents corresponding to the rental application information from the liquidity rental terminal 100 (S103).

The intermediary agency terminal 200 may provide a verification process according to identity authentication information and supporting documents, and the application content and verification content may be output from each user terminal through an application.

Thereafter, the intermediary agency terminal 200 registers a credit guarantee fund service module 500 with a credit guarantee fund service module 500 for an intermediary agency bond guarantee request for performing a credit guarantee based on CRD from one or more security providers (S105).

To this end, the intermediary agency terminal 200 may provide application information and verification information to one or more collateral provider terminals 350 with the credit guarantee fund service module 500, which will be provided in a blockchain-based smart contract format. It can be, and can be distributed to the security provider terminal 350. The security provider terminal 350 may provide a security corresponding to the amount of bond issuance by setting an appropriate own usage rate and credit virtual currency CRD and inputting it into the smart contract format.

Here, the security provider terminal 350 may evaluate the authenticity or value of the information provided from the intermediary agency terminal 200, and the credit guarantee fund service module 500 is a security provider terminal 350 with high evaluation capability. A bidding process that allows users of the company to take more risk can be included in the process of the smart contract format and provided. Accordingly, the security CRD of the security provider terminal 350 to be guaranteed at the highest ratio of the security amount to the bond issuance can be transferred to the credit guarantee fund service module 500, and the user of the security security provider terminal 350 is issued a bond with an intermediary agency. Can be set up as a guarantor of In addition, the credit guarantee fund service module 500 may induce participation in the guarantee by setting the basic guarantee fee ratio among the guarantee fee rates paid to the credit guarantee fund service module 500 as the ratio of the bond issuance to the security amount increases.

As described above, in an embodiment of the present invention, such a smart contract format may be referred to as a credit oracle (CREDIT ORACLE), and according to the logic process defined by the credit oracle, the intermediary terminal 200 is used to secure the CRD of the collateral providers. Provided usage rate, LQD rental usage rate, intermediary agency fees are determined, the credit guarantee fund service module 500 performs the guarantee process and pays the guarantee fee, and a proposal for issuance of a loan subscription based on a bond guaranteed by CRD Can be generated and transmitted to the liquidity rental terminal 100 (S107)

Then, upon receipt of the consent of the liquidity rental terminal 100, the rental subscription is issued and published on the subscription market network (S109, S111).

Accordingly, when the LQD lease in the liquidity provider terminal 300 that has viewed the rental subscription is determined and is approved by the liquidity lender terminal 100, the above-described LQD lease and repayment process and the credit virtual currency CRD The compensation process can be handled.

Meanwhile, FIGS. 9 to 13 are block diagrams more specifically showing the configuration of an intermediary agency terminal, a security provider terminal, a liquidity provider terminal, a liquidity lender terminal, and a credit guarantee fund service module according to an embodiment of the present invention.

First, referring to FIG. 9, the intermediary agency terminal 200 according to an embodiment of the present invention receives and manages application information of liquidity lenders, provides product design information for designing rental products, and guarantees credit corresponding to product design information. In order to process the liquidity lending process of the liquidity provider based on the loan agreement generation and the loan agreement based on the loan guarantee request to the fund service module 500 and the security setting, the control unit 230, the communication unit 220, and the user It includes an input unit 240, a memory 250, and an intermediary service unit 210.

The communication unit 220 may include one or more modules that enable communication between the terminal 200 and a block chain network. For example, the communication unit 220 may include a mobile communication module, a wireless Internet module, a short-range communication module or a wired communication module.

In addition, the communication unit 220 may receive rental application information for LQD rental from the liquidity rental terminal 100, and the credit guarantee fund service module 500 corresponding to product design information including the received rental application information. Through the guarantee request of, the credit guarantee information guaranteed by the CRD payment from one or more collateral provider terminals 350 may be received from the credit guarantee fund service module 500, and the loan subscription information guaranteed by the provision of the CRD collateral can be received. It can be transmitted to the liquidity rental terminal 100 to receive consent information corresponding thereto, and can transmit the rental subscription information corresponding to the reception of the consent information to the subscription market network operation terminal 400, and correspond to the rental subscription information. The liquidity provision information of the liquidity provider terminal 300 may be received, and processing information of the liquidity virtual currency LQD according to the received liquidity provision information may be transmitted to the liquidity rental terminal 100.

Meanwhile, the user input unit 240 may include one or more interface modules for receiving user input. The user input unit 240 generates product design information in the intermediary agency terminal 200, requests for a bond guarantee to the credit guarantee fund service module 500 corresponding to the product design information, and generates and registers at least one By receiving user input, you can process the necessary processes.

The control unit 230 primarily controls the general operation of the conventional terminal 200 and may provide storage and processing of distributed transaction information received from a block chain network.

In addition, the control unit 230 requests the approval of the transaction information to the blockchain network when processing information for the processing of the service of the intermediary agency by the intermediary service unit 210 and transaction information of the virtual currency or cryptocurrency are input. It can provide processing of transactional information. The rental service and virtual currency transaction information processed by the intermediary service unit 210 may be pre-registered in the form of a code such as a smart contract in the transaction book data shared on the blockchain network. Forgery and alteration can be prevented.

Accordingly, the intermediary agency terminal 200 receives and manages the above-described liquidity lender's application information according to the rental service and virtual currency transaction information processed by the intermediary agency service unit 210, and the product design information according to the rental product design. Provision and processing of intermediary services to handle the liquidity lending process of the liquidity provider based on the provision, request for bond guarantee corresponding to product design information, security setting according to the guarantee, creation of a loan subscription guaranteed according to the security setting, and the loan agreement can do.

More specifically, the intermediary service unit 210 includes a virtual currency management unit 211, a rental product design unit 212, a license management unit 213, a rental subscription processing unit 214, and a contract execution unit 214.

The virtual currency management unit 211 may store and manage credit virtual currency CRD and liquid virtual currency LQD.

Here, the credit virtual currency CRD managed by the virtual currency management unit 211 may include a CRD held by an intermediary for licensing and providing collateral. In addition, the credit cryptocurrency CRD obtained as a platform reward may also be stored and managed by the cryptocurrency management unit 211. However, the CRD guaranteed by the collateral setting can be managed for a preset period in the credit guarantee fund service module 500, and the credit guarantee fund service module 500 is provided to the collateral provider terminal 350 when a default occurs. After the period, it can be acquired and the information on the bonds subject to guarantee can be burned.

In addition, the virtual currency management unit 211 may store and manage LQD information obtained as a usage fee according to the execution of the rental contract and the rental process corresponding to the rental agreement for the liquid virtual currency LQD.

Meanwhile, the rental product design unit 212 may generate product design information based on the LQD rental request information received from the liquidity provider terminal 100. For example, the rental application information may include at least one of required LQD quantity information, usage information, user information, credit information, reference currency information, and authentication information of the rental user received from the liquidity provider terminal 100.

In addition, the product design information includes the rental application information, and may include a rental period, unit rental amount, standard currency information, and rental total amount limitation information. The product design information may be provided to the credit guarantee fund service module 500 and may be distributed to one or more collateral provider terminals 350. The security provider terminal 350 may provide a guarantee CRD corresponding to the product design information to the credit guarantee fund service module 500. When the provision of the CRD collateral corresponding to the product design information is completed, the bond guarantee information may be transmitted to the rental product design unit 212, and the guaranteed CRD collateral and the usage rate of the rental subscription may be determined according to the bond guarantee information. Guaranteed CRD collateral provision information and usage rate information may be transmitted to the rental subscription processing unit 214.

The rental subscription processing unit 214 generates a rental subscription based on the CRD collateral provision information and usage rate information and product design information, and the generated rental subscription is transmitted to the subscription market network operation terminal 400 to be transmitted to the subscription market network. Can be registered on the award. In addition, the rental subscription may be output from the liquidity provider terminal 300, and according to the LQD provision information received from the liquidity provider terminal 300, a rental contract corresponding to the rental subscription may be concluded.

Then, when the LQD provision information is received, the contract execution unit 215 executes a lease contract process according to the conclusion of the contract. The contract execution unit 215 receives the LQD provision information from the liquidity provider terminal 300 and receives the approval information from the liquidity lender terminal 100, the rental contract of the liquid virtual currency LQD using the credit virtual currency CRD of the rental subscription as collateral. This can be processed to be concluded, management of the rental account of the liquid virtual currency LQD according to the contract, processing of transaction information and collection processing, and processing of distribution of usage fees can be performed.

Meanwhile, the compensation processing unit 216 may obtain a system contribution compensation according to the conclusion of a contract corresponding to the rental subscription and completion of collection of the rental virtual currency as a credit virtual currency CRD from the blockchain network.

On the other hand, the license management unit 213 can periodically acquire license renewal from the subscription market network and upgrade the amount and condition of the available loan accordingly, and the condition grade is the credit virtual currency held by the virtual currency management unit 211 It can be determined according to the amount of CRD. For example, a license can be determined by measuring the unrecovered rate (LQD unrecovered by default) or by changing handling conditions. For example, it may be determined according to the period of non-recovery, the unit amount, and the total amount.

To this end, the intermediary agency terminal 200 may apply for an intermediary agency license for the subscription market network, and the intermediary agency terminal 200 may be issued an encryption key for electronic signature of the subscription market network as a license code. It is possible to open an intermediary agency and conduct business.

Meanwhile, the memory 250 may include one or more recording media or storage media for storing and managing information and processes necessary to perform the operation of the intermediary service unit 210 and the processing of the control unit 230 described above. .

And, referring to FIG. 10, the security provider terminal 350 according to an embodiment of the present invention includes a control unit 353, a communication unit 352, a user input unit 354, a memory 355, and a security management service unit 351. Includes.

The communication unit 352 may include one or more modules that enable communication between the terminal 350 and a blockchain network. For example, the communication unit 320 may include a mobile communication module, a wireless Internet module, a short-range communication module or a wired communication module.

In addition, the communication unit 352 may access the intermediary agency terminal 200 and receive a request for warranty evaluation and provision corresponding to the product design information provided from the intermediary agency terminal 200 from the credit guarantee fund service module 500. In addition, collateral provision information corresponding to the received product design information may be transmitted to the credit guarantee fund service module 500, and transaction information of CRD virtual currency for providing collateral or collateral deposit is transferred to the credit guarantee fund service module 500. It can be transmitted, and the usage fee information of LQD virtual currency corresponding to the provision of collateral can be received.

The user input unit 354 may include one or more interface modules for receiving user input, and in particular, the user input unit 354 receives security provision information corresponding to product design information reception, and sends it to the security management service unit 351. I can deliver. Here, the collateral provision information may include at least one of information on the amount of collateral CRD to be provided as collateral, information on a collateral provider, and information on a usage rate.

The control unit 353 controls the general operation of a typical terminal 350 and may provide storage and processing of distributed transaction information received from a blockchain network.

In addition, the control unit 353 requests processing information for the collateral management service processing of the collateral management service unit 351 and the approval of the transaction information to the blockchain network when transaction information of the virtual currency or cryptocurrency is input. It can provide processing of transactional information. The rental service and virtual currency transaction information processed by the collateral management service unit 351 may be pre-registered in the form of a code such as a smart contract in the transaction book data shared on the blockchain network, and accordingly Forgery and alteration can be prevented. Accordingly, the security provider terminal 350 may perform a security management service process according to the rental service and virtual currency transaction information processed by the security management service unit 351.

The security management service unit 351 includes a virtual currency management unit 3511, an intermediary agency linking unit 3512, a security management unit 3513, and a compensation processing unit 3016.

The cryptocurrency management unit 3511 can store and manage the credit cryptocurrency CRD held by the collateral provider, and store and manage the LQD for usage fees and CRD paid as platform contribution rewards, respectively, as the CRD is provided as collateral. have.

Further, the credit guarantee fund service linkage unit 3512 performs interlocking processing of the guarantee request received from the brokerage institution terminal 200 through the credit guarantee fund service module 500, and product design information of the brokerage institution terminal 200 It is possible to receive and output a guarantee request from the credit guarantee fund service module 500 according to the following.

In addition, the credit guarantee fund service linkage unit 3512 can perform the process of reading product design information, and provides the security provision information inputted from the user input unit 354 to request for the provision of the collateral CRD during the reading, and the credit guarantee fund service. It can be transmitted to the linking unit 3512.

To this end, the credit guarantee fund service linkage unit 3512 may receive product design information including rental application information and verification information provided from the intermediary agency terminal 200 from the credit guarantee fund service module 500, which is a block It may be provided in a chain-based smart contract format, and the user may input the appropriate use rate and credit cryptocurrency CRD to the smart contract format through the user input unit 354.

According to the logic process defined by the smart contract, when the optimal amount of collateral CRD and the usage rate are determined, the credit guarantee fund service module 500 may deliver the credit guarantee bond information based on the CRD to the intermediary terminal 200, and , The intermediary agency terminal 200 may determine the usage rate of the security providers, the LQD usage rate, and the intermediary agency fee, and issue a rental subscription corresponding thereto, and a contract corresponding thereto may be concluded.

When a contract is concluded, the collateral provider 3513 may perform a collateral provision process to the credit guarantee fund service module 500 for the amount of collateral CRD set by the rental agreement among CRDs managed by the virtual currency management unit 3511. have. The secured CRD is maintained in the credit guarantee fund service module 500, and the secured provider cannot arbitrarily transact. Accordingly, the CRD may be provided only to the credit guarantee fund service module 500 and processed by the credit guarantee fund service module 500, and may be set to disable transactions between other individual terminals in the network.

After the security is provided, the LQD payment processing is performed between the liquidity provider terminal 300 and the liquidity lender terminal 100 by the intermediary agency terminal 200, and the security provider 3513 returns the paid LQD. , The CRD provided as collateral to the credit guarantee fund service module 500 may be recovered and transferred to the virtual currency management unit 3511.

However, when a predetermined collateral period has elapsed, the CRD corresponding to the LQD that has not been returned may be processed by the credit guarantee fund service module 500, and the collateral provider 3513 may be used for a predetermined grace period set before the acquisition, Outputs information notifying that collection processing is possible according to LQD payments that have not been returned, and when LQD payment request information according to user input is obtained within the grace period, the LQD is transmitted to the credit guarantee fund service module 500 And, the CRD may perform a recovery process.

On the other hand, upon completion of LQD rental and return, the contribution of the loan system according to the provision of the security of the CRD can be compensated as CRD, and the compensation processing unit 3516 can receive the rewarded CRD from the blockchain network and deliver it to the cryptocurrency management unit 3511. have.

Meanwhile, the memory 355 may include one or more recording media or storage media for storing and managing information and processes necessary for performing the operations of the security management service unit 351 and processing of the control unit 353 described above. .

Meanwhile, FIG. 11 shows a liquidity provider terminal 300. Referring to FIG. 11, the liquidity provider terminal 300 according to an embodiment of the present invention includes a control unit 303, a communication unit 302, and a user input unit 304. ), a memory 305, and a fluidity service unit 301.

The communication unit 302 may include one or more modules that enable communication between the terminal 300 and a blockchain network. For example, the communication unit 320 may include a mobile communication module, a wireless Internet module, a short-range communication module or a wired communication module.

The communication unit 302 may access the subscription market network operated by the subscription market network operation terminal 400 and receive information on reading a rental subscription issued and registered by the intermediary terminal 200. In addition, the communication unit 302 may receive liquidity provision information corresponding to the rental subscription and transmit it to the intermediary agency terminal 200, and transmit the LQD transaction information corresponding to the conclusion of the contract of the rental subscription to the liquidity rental terminal 100. Also, the LQD rental fee and LQD return transaction information corresponding thereto may be received from the liquidity rental terminal 100.

The user input unit 304 may include one or more interface modules for receiving user input. More specifically, the user input unit 304 may receive one or more user inputs for selection viewing of a rental subscription and approval of LQD provision.

Meanwhile, the control unit 303 controls the general operation of the general terminal 300 and may provide storage and processing of distributed transaction information received from a block chain network. In addition, the control unit 303 includes processing information for liquidity service processing by the liquidity service unit 301, and transaction information requesting approval of the transaction information to the blockchain network when transaction information of the virtual currency or cryptocurrency is input. Can provide treatment of. The rental service and virtual currency transaction information processed by the liquidity service unit 301 may be pre-registered in the form of a code such as a smart contract in the transaction book data shared on the blockchain network, and forgery accordingly. Can be prevented. Accordingly, the liquidity provider terminal 300 may perform liquidity provision service processing according to the rental service and virtual currency transaction information processed by the liquidity service unit 301.

To this end, the liquidity service unit 301 includes a virtual currency management unit 3011, a market linking unit 3012, a rental subscription approval unit 3014, a contract execution unit 3015, and a compensation processing unit 3016.

The virtual currency management unit 3011 may store and manage the liquid virtual currency LQD possessed by the liquidity provider, and may process payment to the liquidity loaner terminal 100 according to the conclusion of the rental subscription contract.

In addition, the market linking unit 3012 allows the liquidity service unit 301 to access the subscription market network, and receives viewing information for viewing the rental subscription information issued and registered in the subscription market network by a plurality of intermediary terminals and Output processing can be performed. Here, the rental subscription may include at least one of an LQD provider, a repayment schedule, a collateral CRD amount, an LQD usage rate, a rental quantity, reference currency information, and an issuing intermediary agency.

In addition, the rental subscription approval unit 3014 may perform a liquidity virtual currency LQD provision approval process for the selected rental subscription according to a user input input through the user input unit 304.

Thereafter, the contract execution unit 3015 may transmit the LQD provision information to the intermediary agency terminal 200 according to the execution of the contract, and the liquidity virtual currency LQD requested by the execution of the rental process of the intermediary agency terminal 200 is liquidity. It can be made to be paid to the electronic wallet of the rental terminal 100. In addition, the contract execution unit 3015 stores and manages the LQD and rental fee information returned from the liquidity rental terminal 100, and may use the virtual currency management unit 3011 for this purpose.

In addition, if the LQD is not returned until the end of the lease, the contract execution unit 3015 provides the LQD to be paid from the subscription market network to the collateral provider terminal 350 as the credit usage fee of the CRD provided as collateral, and the liquidity provider for a certain period of time. As the terminal 300 processes to obtain it, 100% maintenance can be obtained when a certain period of time arrives.

In addition, at the time of rental expiration, the compensation processing unit 3016 may additionally receive a credit virtual currency CRD as a system contribution compensation from the blockchain network.

Meanwhile, the memory 305 may include one or more recording media or storage media for storing and managing information and processes necessary for performing the above-described operation of the fluidity service unit 301 and processing of the control unit 303.

On the other hand, Figure 12 is a block diagram showing in more detail the liquidity rental terminal.

Referring to FIG. 12, the flexible rental terminal 100 includes a rental processing unit 110, a communication unit 120, a control unit 130, a user input unit 140, and a memory 150.

The communication unit 120 may include one or more modules that enable communication between the terminal 100 and a block chain network. For example, the communication unit 120 may include a mobile communication module, a wireless Internet module, a short-range communication module or a wired communication module. In addition, the communication unit 120 transmits the LQD rental application information to the intermediary agency terminal 200, receives the rental subscription issuance information corresponding to the rental application information, transmits consent information corresponding thereto, and responds to the rental subscription. Receives LQD payment transaction information according to the conclusion of the contract from the liquidity provider terminal 300, transmits the LQD return transaction information to the liquidity provider terminal 300, and transmits the fee information to the intermediary agency terminal 200, the liquidity provider terminal 300 Alternatively, it is transmitted to the security provider terminal 350.

The user input unit 140 may include one or more interface modules for receiving user input. More specifically, the user input unit 140 may receive rental application information for LQD rental application, consent information for a rental agreement, or LQD transaction information for return.

The control unit 130 controls the general operation of the general terminal 100, and may provide storage and processing of distributed transaction information received from the blockchain network. In addition, the control unit 130 includes the rental processing unit 110. Processing information for a rental service and transaction information requesting approval of transaction information to the blockchain network when transaction information of the virtual currency or cryptocurrency is input may be provided. The rental service and virtual currency transaction information processed by the rental processing unit 110 may be pre-registered in the form of a code such as a smart contract in the transaction book data shared on the blockchain network, and forgery accordingly Can be prevented. Accordingly, the liquidity rental terminal 100 may provide a rental service information processing process in each terminal according to the rental service and virtual currency transaction information processed by the rental processing unit 110.

In addition, the rental processing unit 110 accesses the intermediary agency terminal 200, provides rental application information to the intermediary agency terminal 200, and receives proposal information for issuance of a rental subscription with a CRD corresponding to the rental application information. Then, consent information corresponding to the proposal information is provided to the intermediary agency terminal 200, and when the rental subscription is issued on the market network, LQD is rented and paid by signing a contract corresponding to the rental subscription. And a refund process, and may receive a CRD upon completion of the refund as a reward.

To this end, the rental processing unit 110 may receive rental application information through the user input unit 140. The rental application information may include, for example, at least one of required LQD quantity information, usage information, user information, credit information, and authentication information of the rental user. In addition, the required LQD quantity information may be calculated from an amount converted into another currency. For example, when required bitcoin quantity information is input, the quantity obtained by converting the input bitcoin quantity information into LQD may be determined as the required LQD quantity information.

The lending request information input as described above may be provided to the above-described collateral provider terminal 350 through the intermediary agency terminal 200, and a proposal for issuing a lease subscription may be generated by setting the provision of collateral CRD.

For issuance of a rental subscription, the rental processing unit 110 may receive and output information on the issuance proposal (issuing agency information, amount information, usage rate information, and LQD division collection period information when default) from the intermediary agency terminal 200, and The rental processing unit 110 may process the consent information input through the user input unit 140 to be transmitted to the intermediary agency terminal 200. Accordingly, the agreed rental agreement may be issued to the subscription market network.

Thereafter, the rental processing unit 110 receives the LQD provision information of the liquidity provider terminal 300 from the intermediary terminal 200, and approval and contract conclusion may be determined according to the user approval input. When the rental is determined, the rental processing unit 110 may process payment of the liquid virtual currency LQD through the electronic wallet. In addition, the rental processing unit 110 may perform a repayment process during the rental period of the liquid virtual currency LQD within the rental end period. If a default occurs due to an out-of-period period, unfavorable credit history due to unrepayment may be recorded on the blockchain of the subscription market network.

According to this embodiment of the present invention, distributed processing of cryptocurrency that can be verified for use is provided along with general transactions without a separate central server, so that social side effects and embezzlement depending on the use place can be prevented in advance while maintaining anonymity. It will be possible to provide a cryptocurrency trading system that can be used.

On the other hand, Figure 13 is a block diagram showing in more detail the credit guarantee fund service module terminal according to an embodiment of the present invention.

Referring to FIG. 13, the credit guarantee fund service module terminal 500 includes a credit guarantee fund service module processing unit 510, a communication unit 520, a control unit 530, a user input unit 540, and a memory 550. . In addition, the credit guarantee fund service module processing unit 510 includes a bond guarantee processing unit 511, a default processing unit 512, a collateral asset management unit 513, a virtual currency management unit 514, a reserve management unit 151, and a stability management unit 516. It includes at least one of.

The communication unit 520 may include one or more modules that enable communication between the terminal 500 and a block chain network. For example, the communication unit 520 may include a mobile communication module, a wireless Internet module, a short-range communication module or a wired communication module.

For example, the communication unit 520 transmits the guarantee request information of the rental subscription received from the intermediary agency terminal 200 to one or more collateral provider terminals 350, and the guarantee evaluators' collateral received from the collateral provider terminal 350 The CRD information may be received and transmitted to the virtual currency management unit 514, and the guarantee information of the bond for which the guarantee has been completed may be transmitted to the intermediary agency terminal 200. Bond guarantee information and collateral CRD information transmitted and received in this way can be stored and managed in the credit guarantee fund service module processing unit 510, and a predetermined guarantee fee based on the liquid virtual currency LQD according to the bond guarantee is received from each participant terminal. Can be processed.

Here, the credit guarantee fund service module processing unit 510 may perform the bond guarantee process of the rental subscription provided from the intermediary agency terminal 200, transfer, redeem or burn the guaranteed bond, and secure It is possible to provide storage of CRD assets provided as, default processing in case of default occurrence, CRD acquisition or exchange to the collateral provider terminal 350, and management and stability management of reserves based on the quantity and value of liquid cryptocurrency LQD and credit cryptocurrency CRD Through this, it can serve as a system control node that increases the default resistance of the overall virtual currency system and induces the activities of participants.

More specifically, first, the bond guarantee processing unit 511 may obtain the guarantee request information generated by the above-described intermediary agency terminal 200. The guarantee request information may include issuance information of a loan subscription bond corresponding to the product to be designed in the intermediary agency terminal 200, information about a standard currency, information about a price, information about maturity, and information about a guarantee fee rate.

In addition, the bond guarantee processing unit 511 may distribute the guarantee request information to one or more security provider terminals 350, and transmit the guarantee evaluation and guarantee provision request information for attracting guarantors to the security provider terminal 350. Each collateral provider terminal 350 is based on a smart contract-based process executed by the bond guarantee processing unit 511, based on the commission distribution ratio (the ratio of the individual bond issuance guarantor's fee to the platform-wide guarantor) information, and the bond against the collateral CRD. You can participate in auction bidding by entering the issue amount ratio information. Accordingly, the security provider terminal 350 that guarantees the highest ratio of the amount of security to which the security is issued may be selected as the guarantor of the issuance of the bond, and a commission distribution ratio corresponding thereto may be determined.

Thereafter, when the security provider terminal 350 is selected, the bond guarantee processing unit 511 may receive a CRD as a security guarantee asset from the security provider terminal 350 to the security guarantee asset management unit 513. When the reception of the guaranteed asset is completed, the bond guarantee processing unit 511 may issue the bond guarantee information, and may be transmitted to the intermediary agency terminal 200.

The bond guarantee processing unit 511 may set the guaranteed bond information to be transferable between platform participants. Here, the default processing unit 512 may perform redemption and incineration of the bond information by receiving the LQD payment until the maturity date of the bond information, and if not incinerated, the CRD held in the collateral guarantee asset management unit 513 By taking over the collateral assets by processing the LQD equivalent to the bond issue amount in exchange, the incineration process can be performed by paying the price to the bond holder and burning the bond.

In addition, the bond guarantee processing unit 511 may provide a purchase service according to currency conversion of other exchanges or intermediaries in a currency value ratio corresponding to the reference currency of bond information in bond purchase. For example, the LQD transaction price according to an embodiment of the present invention may be converted and paid to the Ethereum cryptocurrency account of the bond seller according to the monetary value ratio.

In addition, the bond information issued by the bond guarantee processing unit 511 may be listed on a bond exchange established in advance through a blockchain network, and if the intermediary terminal 200 that is an issuer involved in the bond issuance or a security provider terminal that is a guarantor ( 350) When the user wants to burn the bond, the intermediary agency terminal 200 or the security provider terminal 350 may transmit the converted LQD according to the issuance standard currency amount information displayed on the bond to the bond guarantee processing unit 511. The bond guarantee processing unit 511 may perform an incineration process as the LQD is received by the virtual currency management unit 514.

In addition, the intermediary terminal 200, which is an issuer associated with the bond issuance, may request refinancing by generating new rental subscription information for purchasing the expired bond, and the bond guarantee processing unit 511 may request the refinancing request for rental subscription information. When the corresponding guarantee bonds are registered in the bond exchange and the registered refinancing loan subscription information is sold based on LQD, it is also possible to incinerate the existing maturity bond information corresponding to the refinancing loan subscription information.

In this way, the bond guarantee processing unit 511 can issue, distribute, redeem, settle, and burn bond information, provide LQD information for redemption, and the corresponding LQD amount is a block corresponding to bond information. If delivered to the chain network address, it can process redemption to bondholders and settlement of guarantee fees. When the settlement process is completed, the collateral guarantee asset management unit 513 may directly transfer the CRD provided for the bond guarantee to the collateral provider terminal 350 or change the state to a state in which it can be provided as collateral to other bonds.

On the other hand, the default processing unit 512 handles the acquisition of the collateral CRD provided to the collateral guarantee asset management unit 513 when the loan subscription contract is concluded, the LQD refund is not made until maturity, and the bond is not redeemed for a certain period of time. By doing so, the redemption by the credit guarantee fund service module can be processed. This can create a debt/bond relationship between the bond issuer and the guarantor who provided the security guarantee, and the resolution of the debt/bond relationship can be handled externally between the bond issuer and the guarantor party. The default processing unit 512 according to an embodiment of the present invention may store such bond/debt information for a predetermined period of time and then delete it.

Meanwhile, the collateral guarantee asset management unit 513 may match and manage the CRD provided from the collateral provider terminal 350 as direct collateral corresponding to each individual bond information for a guarantee for issuing individual bonds for a rental subscription.

In addition, the bond guarantee processing unit 511 converts the value as a collateral asset of the CRD into the present value from the predicted cash flow of future profits to be distributed to the CRD collateral provider, and the assurer auction process of the collateral provider terminals 350 described above. Can provide. In addition, the ratio of the amount of collateral to the amount of bonds issued may be specified as a lower limit of a specific ratio, for example 150%. In addition, the CRD issued for secured assets can be obtained through a transaction with the credit guarantee fund service module only when the security provider terminal 350 becomes a guarantor through a guarantee evaluation process that provides evaluation information for individual bonds. May be restricted, and transactions between individuals may be prohibited.

Here, the bond guarantee processing unit 511 generates a security token for storing value that serves as a real asset whose present value increases to calculate the expected present value (NPV) at the time of CRD issuance, and the corresponding CRD expected current value It can be used for issuing and liquidating bonds by performing value calculation. For example, the expected present value of CRD can be expressed by a formula such as NPV = D1 /(rg), where NVP is the expected present value of the CRD, D1 is the monthly dividend of the CRD, and r is the expected depreciation. The ratio, g, may be the expected dividend growth rate of the service platform.

In addition, the guarantee asset management unit 513 may receive a guarantee fee as a utility token LQD from the guaranteed bond, which can be used as a guarantee incentive for the guarantee participant. This may be paid periodically according to the ratio of the amount of the bond being guaranteed by the security provider terminal 350 in the bond guarantee state.

In addition, the endorsement incentive for endorsement participants can be provided as a new CRD. The credit guarantee fund service module 500 can allocate the periodic new issuance amount of CRD using time as a variable, and provides a valid guarantee evaluation among participants participating in the guarantee evaluation of newly issued bonds within a certain unit period. To the participant, information on obtaining CRD using LQD may be provided. To this end, the credit guarantee fund service module 500 may issue a CRD using Bancor Smart Contract technology as a token exchange technology. At this time, the difference between the issue price of the CRD and the asset value corresponding to the CRD may be allocated as an incentive for new guarantee participants.

According to these mutual incentives, abuse of community currency loan finance and fraudulent loans can be prevented. For example, the operator of the intermediary terminal 200 may have an unfair loan profit greater than the current expected value (NPV) of the CRD deposited when designing a loss product due to the default increase, but the operator of the collateral provider terminal 350 The default loss may be greater than that. Accordingly, a loan approval and liquidation mechanism that can be mutually checked by participants of a virtual currency rental service network according to an embodiment of the present invention may be established.

On the other hand, the reserve management unit 515 stores and manages the LQD and the purchased CRD as a guarantee resource used to purchase bonds when the above-described default occurs, thereby improving resistance by default.

More specifically, for example, the reserve management unit 515 may allocate 25% of the total issuance of LQD as a reserve and store it in the virtual currency management unit 514, and the reserve may be used to purchase CRDs guaranteed for bonds. .

For example, if a guarantee bond containing the CRD as collateral is unpaid, the reserve management unit 515 may guarantee repayment to the bond holder by purchasing the CRD included in the guaranteed bond as a return for the LQD held by the guarantee fund. . In this case, the purchase price of the CRD may be a price obtained by converting the reference currency displayed amount in the pre-registered bond information into the LQD amount.

If the CRD is processed by default, the actual bonds can be transferred to the guarantors, and the guarantors can collect the bonds directly or through the intermediary terminal 200, the operating institution, etc. based on this.

In addition, the reserve management unit 515 may move the LQD income generated in response to the purchased CRD to the LQD Reserve Pool area, and accordingly, the LQD used for default liquidation may be preserved.

Accordingly, the credit guarantee fund service module can hold the CRD, which is the collateral purchased during the default liquidation process, and the CRD held by the credit guarantee fund service module is not provided as collateral for the guarantee of individual bonds, but the guarantee profit is distributed as LQD. It can be a CRD that can be received. At this time, the LQD amount of the guarantee revenue distributed from the CRD held by the credit guarantee fund service module may be determined as the total amount by the total amount of CRD used for bond guarantee and the ratio of the CRD held by the credit guarantee fund service module.

Meanwhile, the bond guarantee processing unit 511 may limit information on the total amount of bonds that can be guaranteed according to the asset information.

For example, the bond guarantee processing unit 511 may limit information on the total amount of bonds that can be guaranteed according to the market capitalization of LQD. The market capitalization of LQD can be calculated as the total amount of liquidity costs available to bond buyers within the system.

In addition, for example, the bond guarantee processing unit 511 may limit the total amount of guaranteeable bonds according to the total asset value of the CRD, which is a guaranteed asset.

And, for example, the bond guarantee processing unit 511 may process the bond issuance handling amount to be limited differently for each base currency of bond issuance and for each financial service provider by a feedback loop operation configured with indicators of equity capital and default rate. have.

In addition, for example, the bond guarantee processing unit 511 may limit the initial bond issuance upper limit of a bond issuer without collateral to a predetermined value. For example, individual bond issuers may have a limit of [bonds issued and redeemed prior to issuance of new bonds] X [total maturity] X 150%, which may limit the amount of bonds issued.

Meanwhile, since reference currency information may be allocated to bonds guaranteed according to an embodiment of the present invention, the issuance and redemption of LQD may be processed according to the reference currency registered at the time of allocation. Accordingly, it may be desirable for the intermediary terminal 200 to discover the global loan demand of high creditors, but to verify the credit of the borrower through the collateral provider terminal 350 of a local guarantor. In addition, since the LQD ratio is determined by the standard currency information at the time of issuance of bonds, the default resistance and sustainability of the rental system itself can be guaranteed even if there are exchange rate regulations or fluctuations between countries.

Meanwhile, the stability management unit 516 may collect processing information of the reserve management unit 515 and the bond guarantee processing unit 511, calculate stability information, and process one or more system control processes for ensuring stability.

For example, rapid fluctuations in the LQD price can lead to a change in the guarantee capability of the credit guarantee fund service module. In order to prevent this, the stability management unit 516 may secure a demand base for redemption of bonds when the bond issuance amount is formed and transfer it to the reserve management unit 515. For example, the value of LQD with limited issuance can be stabilized because it is managed by the stability management unit 516 so that demand is always flowed by bond issuance that is greater than the market cap of the LQD circulation.

In particular, even if the price of LQD drops temporarily and sharply, the volatility of the drop in LQD price due to bond redemption demand can be offset if the bond and base currency values remain the same.

In addition, the stability management unit 516 may continuously issue additional CRDs to maintain the LQD value. In a situation where additional CRD issuance continues, the demand for LQD for CRD issuance may continue to increase, which not only causes continuous LQD demand in the cryptocurrency liquidity rental system until the point of CRD issuance is stopped, but also decreases the amount of LQD circulation, thereby enhancing stability. Can be secured.

Meanwhile, the user input unit 540 may include one or more interface modules for receiving user input.

The controller 530 controls the general operation of a typical terminal 500 and may provide storage and processing of distributed transaction information received from a block chain network. In addition, the control unit 530 may perform processing information for a service of the credit guarantee fund service module processing unit 510. The processing information of the credit guarantee fund service module processing unit 510 may be pre-registered in the form of a code such as a smart contract in the transaction book data shared on the blockchain network, and forgery and alteration accordingly can be prevented. .

The above-described methods according to an embodiment of the present invention may be manufactured as a program to be executed on a computer. In addition, the program may be stored in a computer-readable recording medium, and examples of the computer-readable recording medium include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage device, and the like. have.

The computer-readable recording medium is distributed over a computer system connected through a network, so that computer-readable codes can be stored and executed in a distributed manner. In addition, functional programs, codes, and code segments for implementing the method can be easily inferred by programmers in the art to which the present invention pertains.

In addition, although the preferred embodiments of the present invention have been illustrated and described above, the present invention is not limited to the specific embodiments described above, and the technical field to which the present invention belongs without departing from the gist of the present invention claimed in the claims. In addition, various modifications can be implemented by those of ordinary skill in the art, and these modifications should not be individually understood from the technical spirit or prospect of the present invention.

Claims (4)

A credit guarantee fund service module is provided to link terminals constituting each node of the blockchain network, and the credit guarantee fund module issues and provides credit virtual currency corresponding to the collateral from the collateral provider terminal, and secures the deposited credit virtual currency. A function to guarantee liquidity virtual currency corresponding to and to provide a rental subscription for lending liquid virtual currency according to the guaranteed bond on the subscription market network, provided with an intermediary terminal,
A liquidity provider terminal is provided to receive liquidity virtual currency according to the guaranteed bond, and a liquidity lender terminal is provided to transfer the liquidity virtual currency provided by the liquidity provider terminal to the liquidity lender according to a rental application corresponding to the rental subscription. A function to pay to the terminal; A program stored on a medium so that you can run it on your computer. The method of claim 1,
The credit guarantee fund service module,
Deliver the guarantee request information of the bond corresponding to the loan subscription to one or more security provider terminals, and mediate the guarantee information of the bond for which the guarantee is completed using the security credit virtual currency information of the guarantees received from the security provider terminal as collateral. And provide it to an institutional terminal,
The credit guarantee fund service module
A program stored in a medium to be executed on a computer, characterized in that at least one of redemption, incineration, or default processing of the bond is performed according to the payment of the liquid virtual currency corresponding to the rental subscription. The method of claim 2,
The default processing is
A computer comprising the processing of the liquid virtual currency being paid by a reserve management unit provided in advance in the credit guarantee fund service module, and receiving the credit virtual currency from the security guarantee asset management unit of the credit guarantee fund service module. A program stored on the medium so that it can be run on the computer. The method of claim 1,
The intermediary agency terminal generates loan product design information of the liquid virtual currency for lending liquid virtual currency to the liquidity lender terminal, collects the credit virtual currency corresponding to the loan product design information, and sets it as collateral, and the A program stored in a medium so as to be executed on a computer, characterized in that the rental subscription form with credit virtual currency set as collateral is generated and issued to the market network.

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