Bond-type token issuance and transaction system with right to share in profits to be generated in future

Abstract

Disclosed is a bond-type token issuance and transaction system capable of issuing and transacting bond-type tokens with the right to share in profits to be generated from an issuing company. To this end, provided is a bond-type token issuance and transaction system comprising: an issuing company terminal which receives token information and transmits the token information to the outside; a purchaser terminal which receives personal authentication information, generates purchase request information according to a signal input from a purchaser, and transmits the personal authentication information and the purchase request information to the outside; and an issuing server which issues bond-type tokens on the basis of the token information, processes a login procedure for a purchaser account through the personal authentication information, and analyzes the purchase request information to provide a matched bond-type token among the issued bond-type tokens to the purchaser account or the purchaser terminal. According to the present invention, since a bond-type token issuing company provides, to a holder of bond-type tokens, dividends linked to profits generated by a business operation, a purchaser who purchased the bond-type tokens can secure the profits that are improved compared to a profit rate of general bonds.

Description

A bond-type token issuance and trading system that grants rights to share in future profits.

[0001] The present invention relates to a bond token issuance and trading system that can issue and trade bond tokens that have a right to distribute profits generated from an issuing company, and more specifically, to a bond token issuance and trading system that can issue bond tokens that have a right to distribute profits, can raise funds for establishing and operating a business with the cost of issuing and selling bond tokens, and provides an environment in which the issued bond tokens can be traded.

[0002]

[0003] Currently, the issuance of digital tokens has been conducted through an Initial Coin Offering (ICO). An ICO is a public offering, whereby a business issues blockchain-based cryptocurrency tokens and sells them to investors to raise funds. Once these tokens are listed on a cryptocurrency exchange, investors can buy and sell them for profit. Furthermore, since investment funds are received in cryptocurrencies like Bitcoin or Ethereum rather than cash, anyone can invest regardless of nationality.

[0004] However, since ICOs do not have public underwriters and are sold directly by business entities, there is no auditing, anyone can raise funds, and there are no clear listing standards or regulations like IPOs, so the ICO rules can be created by the business entity, allowing for fairly free fundraising. This is why fraudulent ICOs are frequently occurring around the world.

[0005] Accordingly, major countries such as Korea and China are outlawing or prohibiting ICOs, and in particular, the US authorities are recommending legal issuance of security-type digital tokens under the supervision of the SEC, and are announcing that they will make any other issuance and distribution illegal.

[0006] In this situation, projects that have already completed ICOs are going bankrupt, and digital tokens issued through ICOs are also experiencing adverse effects such as price drops, sharp declines in trading volume, and illegal use such as money laundering.

[0007] Accordingly, a Security Token Offering (STO), a method of raising funds by issuing security-type digital tokens in compliance with existing securities-related laws or exemptions, is emerging as a new type of fundraising method, particularly in the United States.

[0008] However, STOs can provide the authority to interfere with the management of a business, which makes business operators reluctant to issue security digital tokens for the purpose of raising funds.

[0009]

[0010] Accordingly, the purpose of the present invention is to provide a bond token issuance and trading system that issues and sells bond tokens (Bond Token Offering, BTO) that have the right to receive profit distribution for financing startups and provides an environment in which bond tokens can be freely traded.

[0011]

[0012] In order to achieve the above-described object of the present invention, in one embodiment of the present invention, a bond token issuance and transaction system is provided, including an issuer terminal that receives token information including issuer information and a target amount and transmits the information to the outside, a purchaser terminal that receives personal authentication information, generates purchase request information including a token type and quantity according to a signal input from a purchaser, and transmits the personal authentication information and the purchase request information to the outside, and an issuance server that is connected to the issuer terminal and the purchaser terminal through a communication network, issues a bond token for which the issuer, total quantity, and sales price are determined based on the token information, processes a login procedure for a purchaser account using the personal authentication information, and analyzes the purchase request information to issue a matched bond token from among the issued bond tokens to the purchaser account or the purchaser terminal.

[0013]

[0014] According to the present invention, since a bond token issuing company provides dividends linked to profits generated from business operations to holders of bond tokens, purchasers of bond tokens can secure returns higher than the yield of general bonds.

[0015] In addition, the present invention allows a purchaser of a bond token to receive a pre-agreed interest even before the business operation of the bond token issuing company begins, and unnecessary bond tokens can be easily converted into cash by selling them without the consent of the issuing company, which is the debtor.

[0016] In addition, unlike security tokens, the purchaser of bond tokens cannot interfere with the management of the token issuing company, and the bond token issuing company can raise funds necessary for commercialization by selling bond tokens to multiple people, so the bond token issuing company can raise funds for commercialization without the risk of interest, collateral, etc.

[0017] Furthermore, since the present invention allows purchasers of bond tokens to secure a higher rate of return than the rate of return of bonds circulated on the market, bond token transactions can be utilized as a means of financial investment.

[0018]

[0019] FIG. 1 is a schematic diagram illustrating a bond token issuance and transaction system according to a first embodiment of the present invention.

[0020] FIG. 2 is a schematic diagram illustrating a bond token issuance and transaction system according to a second embodiment of the present invention.

[0021] FIG. 3 is a schematic diagram illustrating a bond token issuance and transaction system according to one embodiment of the present invention.

[0022] Figure 4 is a configuration diagram for explaining a bond token issuance and transaction system according to a third embodiment of the present invention.

[0023] FIG. 5 is a schematic diagram illustrating a bond token issuance and trading system according to another embodiment of the present invention.

[0024]

[0025] Hereinafter, with reference to the attached drawings, a bond-type token issuance and transaction system (hereinafter referred to as “bond-type token issuance and transaction system”) having a right to distribute profits to be generated in the future according to preferred embodiments of the present invention will be described in detail.

[0026]

[0027] FIG. 1 is a schematic diagram for explaining a bond token issuance and trading system according to a first embodiment of the present invention, and FIG. 2 is a schematic diagram for explaining a bond token issuance and trading system according to a second embodiment of the present invention.

[0028] Referring to FIGS. 1 and 2, the bond token issuance and transaction system according to the present invention includes an issuer terminal (100) that receives token information required for the creation of a bond token from an issuer and transmits it to the outside, a purchaser terminal (200) that receives purchase request information from a purchaser and transmits it to the outside, and an issuance server (300) that issues a bond token based on the token information provided from the issuer terminal (100) and sells a bond token that matches the purchase request information provided from the purchaser terminal (200) among the bond tokens being sold to the purchaser, and may further include an exchange server (500) that provides a transaction site so that the purchaser can trade the bond token purchased from the issuance server (300) with another person.

[0029] In this way, in the bond token issuance and transaction system according to the present invention, bond tokens, which are bonds that the debtor has promised to use as obligations promised to the ultimate owner, are issued and sold at the request of the issuing company, and a portion of the sale cost of the bond tokens can be provided to the issuing company, so the issuing company can secure start-up costs through the bond tokens, and the purchaser can sell the bond tokens that are difficult to maintain possession of during the dividend period among the purchased bond tokens to others.

[0030] At this time, since bond tokens can provide a higher rate of return than the rate of return on deposits and savings or the rate of return on general bonds, a purchaser who purchases bond tokens from the issuing server (300) or a repurchaser who purchases bond tokens from the purchaser can secure sufficient economic benefits.

[0031] The commodities that can be exchanged for these bond tokens can be any of the following: industrial products, agricultural products, marine products, or minerals.

[0032]

[0033] Below, each component is described in more detail with reference to the drawings.

[0034] Figure 3 is a schematic diagram illustrating a bond token issuance and transaction system according to the present invention.

[0035] Referring to FIGS. 1 and 3, the bond token issuance and transaction system according to the present invention includes an issuing company terminal (100).

[0036] The above-mentioned issuing company terminal (100) is a terminal possessed by an issuing company that wishes to establish a business entity, and procures the proceeds from the sale of bond-type tokens issued on the condition of payment in the future as start-up reserve funds, and is connected to the issuing server (300) via a wired / wireless communication network (hereinafter, abbreviated as “communication network”).

[0037] Here, a communication network means a connection structure that enables information exchange between each node, such as multiple terminals and servers, and examples of such a communication network include a local area network (LAN), a wide area network (WAN), the Internet (WWW), a wired and wireless data communication network, a telephone network, and a wired and wireless television communication network. Examples of wireless data communication networks include, but are not limited to, 3G, 4G, 5G, 3GPP (3rd Generation Partnership Project), 5GPP (5th Generation Partnership Project), LTE (Long Term Evolution), WIMAX (World Interoperability for Microwave Access), Wi-Fi, the Internet, LAN (Local Area Network), Wireless LAN (Wireless Local Area Network), WAN (Wide Area Network), PAN (Personal Area Network), RF (Radio Frequency), Bluetooth network, NFC (Near-Field Communication) network, satellite broadcasting network, analog broadcasting network, and DMB (Digital Multimedia Broadcasting) network.

[0038] This issuing company terminal (100) receives token information, including issuing company information and target amount, from the issuing company and transmits it to an external issuing server (300). The token information may include the product or service to be paid. Optionally, the token information may further include one or more of the following: a profit distribution rate between the issuing company and bond token purchasers, a dividend period, a business preparation period, an interest rate on interest to be paid during the business preparation period, and a financial institution account number to receive the bond token sales proceeds.

[0039] In this way, the compensation that the issuing company pays to the purchaser of the bond token is not limited to monetary compensation such as dividends and interest payments, but also tangible and intangible forms such as performance of services, provision of goods, provision of services, provision of conveniences, performances, or provision of creative works.

[0040] The above-mentioned issuer terminal (100) may receive issuer information, including an individual identification number (ID), to apply for a bond token issuance service, and transmit the issuer information to the issuance server (300) via a communication network. The issuer information may include one or more of the issuer's industry, address, start-up costs, and expected sales. Optionally, the issuer information may include one or more of the issuer's business registration number, phone number, representative email address, and login ID and password.

[0041] For example, the issuing company terminal (100) can be designated as a fried chicken restaurant as the issuing company's business type, the address can be designated as the underground shopping mall at Gangnam Station, the start-up cost can be designated as 150 million won, and the expected sales can be designated as 120 million won per month.

[0042]

[0043] Referring to FIGS. 1 to 3, the bond token issuance and transaction system according to the present invention includes a purchaser terminal (200).

[0044] The above purchaser terminal (200) is a terminal possessed by a purchaser who wishes to purchase a bond-type token from the issuing server (300), and is connected to the issuing server (300) and the exchange server (500) via a communication network.

[0045] This purchaser terminal (200) receives personal authentication information from the purchaser, generates purchase request information including the type and quantity of tokens according to the signal input from the purchaser, and transmits the personal authentication information and purchase request information to an external issuing server (300).

[0046] If necessary, the above purchase request information may include introducer information such as introducer name, identification number, date of birth, bank account number, etc.

[0047] Meanwhile, the purchaser terminal (200) can install a Bond Token Offering (BTO) management app via an app installation file. This BTO management app can receive purchaser information, including an individual identifier (ID), to apply for a bond token issuance service and transmit the purchaser information to the issuance server (300) via a communications network. The purchaser information may include one or more of the purchaser's date of birth, address, phone number, email address, login ID, and password.

[0048] The above BTO management app receives personal authentication information from the user to access the issuing server (300) and obtain the authority to send and receive various data, and transmits the personal authentication information to the issuing server (300) via a communication network.

[0049] The above BTO management app can output a list of bond tokens provided from the issuing server (300) through the screen of the purchaser's terminal (200), and can generate a purchase request signal based on the purchaser's input signal and transmit it to the issuing server (300) or exchange server (500).

[0050] The above BTO management app can output a transaction site provided from the issuing server (300) through the screen of the purchaser's terminal (200) so that bond tokens can be sold to other members, and can generate a sales request signal based on a user's input signal and transmit it to the issuing server (300) or exchange server (500).

[0051] These BTO management apps can be installed on the purchaser's terminal (200) through the app installation file downloaded from the issuing server (300) through the Android market such as Play Store or One Store, the App Store, or a web page.

[0052] As needed, the purchaser terminal (200) can access the issuing server (300) through the BTO management app to receive the bond-type token issuance service, but can also access the issuing server (300) through a website provided by the issuing server (300) to receive the bond-type token issuance service.

[0053] The aforementioned purchaser terminal (200) is configured to connect to an issuance server (300) that provides a bond-type token issuance service via a wireless communication network including multiple base stations, base station controllers, mobile communication exchanges, and WAP gateways, as well as a wired communication network such as the Internet. For example, the purchaser terminal (200) may be a smartphone, tablet PC, or laptop computer.

[0054]

[0055] Figure 4 is a configuration diagram for explaining a bond token issuance and transaction system according to a third embodiment of the present invention.

[0056] Referring to FIGS. 3 and 4, the bond token issuance and transaction system according to the present invention may further include a guarantor server (400).

[0057] The above-mentioned guarantor server (400) is a guarantor server that guarantees payment of buyer benefits so that buyer benefits can be paid for sold bond-type tokens, and is connected to the issuance server (300) via a communication network.

[0058] When the guarantor server (400) receives issuance information for a bond-type token from the issuance server (300), it creates a payment guarantee certificate for the bond-type token and sends it back to the issuance server (300).

[0059] In addition, when the guarantee application information requesting performance of the payment guarantee agreement is transmitted from the purchaser terminal (200), the guarantee server (400) pays the cost to the purchaser according to the agreement of the payment guarantee agreement.

[0060] More specifically, if the buyer benefit is not paid to the buyer within the scheduled payment period for a bond-type token for which a payment guarantee exists, the guarantor server (400) pays the buyer a compensation amount equivalent to the buyer benefit, or pays a pre-specified level of late payment fee for the period during which payment of the buyer benefit is delayed.

[0061]

[0062]

[0063] FIG. 5 is a schematic diagram illustrating a bond token issuance and trading system according to another embodiment of the present invention.

[0064] Referring to FIGS. 1 to 3, the bond token issuance and transaction system according to the present invention includes an issuance server (300).

[0065] The above issuance server (300) is connected to a purchaser terminal (200) and an issuer terminal (100) via a communication network, issues bond tokens for which the issuer, total quantity, and sales price are determined based on token information provided from the issuer terminal (100), processes a login procedure for a purchaser account using personal authentication information transmitted from the purchaser terminal (200), and analyzes purchase request information provided from the purchaser terminal (200) to pay a matched bond token among the issued bond tokens to the purchaser account or the purchaser terminal (200).

[0066] When personal authentication information is provided from a purchaser terminal (200), the above issuance server (300) creates member information including a purchaser account that can pass the login procedure with the personal authentication information, and can transmit member information including payment details of bond-type tokens paid to the purchaser account to an external exchange server (500).

[0067] The above issuance server (300) generates consent request information requesting prior consent from the debtor for the transfer of rights of the bond token to be issued, provides the consent request information to the issuing company terminal (100), and receives and stores approval information from the issuing company terminal (100). In this way, since the present invention obtains and stores the consent of the issuing company, which is the debtor, for the transaction of the issued bond token by the issuing server (300) in advance, the consent procedure for the debtor is omitted even if the purchaser sells the bond token owned by the purchaser to another person in the future.

[0068] The issuance server (300) generates and stores issuance information for bond tokens, including the issuing company, total quantity, and sales price, based on token information provided from the issuing company terminal (100) along with the issuance of bond tokens. For example, if the target amount of token information is 150 million won, the issuance server (300) determines the total quantity of bond tokens to be 1,000, and sets the sales price of each bond token to 150,000 won.

[0069] The above issuance server (300) transmits the issuance information to the guarantor server (400) to guarantee the performance of the bond-type token, and receives a payment guarantee for the bond-type token from the guarantor server (400). At this time, the issuance server (300) stores the payment guarantee provided by the guarantor server (400) so that it matches the bond-type token that is the subject of the issuance information.

[0070] The above issuance server (300) can create and provide a list of bond-type tokens that can be purchased by the connected purchaser terminal (200).

[0071] In this way, the issuance server (300) designs the issuance of bond-type tokens, verifies their circulation, and guarantees their performance.

[0072] As a first embodiment, the issuance server (300) according to the present invention, when a purchaser purchases one first bond-type token for 150,000 won through an electronic payment method of the issuance server (300), pays one first bond-type token to the purchaser's account or purchaser's terminal (200).

[0073] As a second embodiment, the issuance server (300) according to the present invention, when a purchaser purchases four first bond-type tokens for 600,000 won through an electronic payment method of the issuance server (300), pays the four first bond-type tokens to the purchaser's account or purchaser's terminal (200).

[0074] The issuance server (300) can provide buyers and repurchasers with a trading site that facilitates the trading of bond-type tokens between members. This is to enable buyers who have acquired bond-type tokens to sell them on the trading site managed by the issuance server (300) without having to use a separate secondhand trading site. This trading site can be accessed by buyers who have completed the issuance server's (300) login process.

[0075] In this way, the issuance server (300) provides an environment in which buyers and re-buyers can find a trading target for bond tokens within the bond token issuance and trading system without paying a separate cost.

[0076] The above issuance server (300) can receive issuance company information from the issuance company terminal (100) and store it in the issuance company database (DB) so that the type of compensation related to the bond-type token to be purchased can be searched by the purchaser terminal (200) and the repurchase terminal (200) connected to the issuance server (300).

[0077] The above issuance server (300) can store member information provided from the purchaser terminal (200) in the member DB.

[0078] When the dividend period of the bond token sold is completed, the issuance server (300) receives a selection between dividend period extension and bond token purchase from the issuing company terminal (100) related to the bond token, generates token processing information, and transmits the token processing information to the purchaser terminal (200). At this time, the bond token for which the dividend period extension is selected has its dividend period extended by the issuance server (300), and the bond token for which the bond token purchase is selected is purchased by the issuance server (300) and then discarded.

[0079] The issuance server (300) can separately store the introducer information included in the purchase request information, as illustrated in FIG. 5, and differentially reward the introducer based on the number of times the introducer information has been accumulated. In this case, the issuance server (300) can pay the introducer a portion of the operating profits of the business established by the issuing company with the proceeds from the sale of bond-type tokens as a reward.

[0080]

[0081] Referring to FIG. 2, the bond token issuance and transaction system according to the present invention may further include an exchange server (500).

[0082] The above exchange server (500) is connected to a purchaser terminal (200) and an issuance server (300) via a communication network, and connects purchasers and repurchasers of bond-type tokens online, thereby helping purchasers sell surplus bond-type tokens they own that they wish to convert into cash.

[0083] The above exchange server (500) provides a trading site where bond tokens paid through a bond token issuance service can be traded, and each purchaser or repurchaser can open a trading page where the desired purpose is disclosed.

[0084] In one embodiment, the exchange server (500) according to the present invention may receive and store member information from the issuance server (300), and provide a transaction site where bond tokens can be traded as a transaction product to a buyer terminal (200) accessed through a BTO management app. To this end, the exchange server (500) may search for bond tokens stored in the buyer's user account at the buyer's request through the buyer terminal (200), register the bond token selected by the buyer as a transaction product, and register the price input by the buyer as the selling price of the transaction product.

[0085] In addition, the exchange server (500) can automatically provide the bond token, which is the transaction product, from the purchaser's user account to the repurchaser's user account when the transaction party (holder of the bond token) approves the transaction.

[0086] In another embodiment, the exchange server (500) according to the present invention receives and stores member information from the issuing server (300), provides a transaction site where a bond-type token can be exchanged for a transaction product to a purchaser terminal (200) connected to the issuing server, and when the transaction party approves the transaction, the bond-type token can be exchanged and provided from the other party's user account.

[0087]

[0088] Although the present invention has been described above with reference to preferred embodiments thereof, it will be understood by those skilled in the art that various modifications and changes may be made to the present invention without departing from the spirit and scope of the present invention as set forth in the claims below.

Claims

1. An issuing company terminal that receives information on the issuing company and token information including the target amount and transmits it externally; A purchaser terminal that receives personal authentication information, generates purchase request information including the type and quantity of tokens according to a signal input from the purchaser, and transmits the personal authentication information and purchase request information to an external source; and A bond token issuance and transaction system including an issuance server that is connected to the issuer terminal and the purchaser terminal through a communication network, issues a bond token for which the issuer, total quantity, and sales price are determined based on the token information, processes a login procedure for a purchaser account through the personal authentication information, and analyzes the purchase request information to pay out a matched bond token among the issued bond tokens to the purchaser account or the purchaser terminal.

2. In the first paragraph, the issuing server A bond token issuance and transaction system characterized by generating consent request information requesting prior consent from a debtor for the transfer of rights of a bond token to be issued, providing the information to the issuer's terminal, and receiving and storing approval information in response.

3. In paragraph 1, The above issuance server generates issuance information for bond tokens, including the issuing company, total quantity, and sales price. A bond token issuance and transaction system characterized by further including a guarantor server that generates a payment guarantee certificate of the bond token and sends it back to the issuance server when issuance information is received from the issuance server.

4. In paragraph 1, the issuing company information A bond token issuance and trading system characterized by including at least one of the issuing company's industry, address, start-up costs, and expected sales.

5. In paragraph 1, A bond token issuance and trading system, characterized in that the above token information includes at least one of the following: a profit distribution rate between the issuing company and the bond token purchaser, a dividend period, a business preparation period, and an interest rate of interest to be paid during the business preparation period.

6. In paragraph 1, A bond-type token issuance and transaction system characterized in that the above token information includes goods or services to be paid.

7. In the first paragraph, the issuing server A bond token issuance and transaction system characterized by generating and providing a list of bond tokens that can be purchased through a connected purchaser's terminal.

8. In paragraph 1, A bond token issuance and transaction system characterized by receiving and storing member information from the issuance server, providing a transaction site where a purchaser's terminal connected to the issuance server can trade bond tokens as a transaction product, and further including an exchange server that provides bond tokens from the purchaser's user account to the repurchaser's user account when the transaction party approves the transaction.

9. In paragraph 1, A bond token issuance and transaction system characterized by receiving and storing member information from the issuance server, providing a transaction site where a purchaser's terminal connected to the issuance server can exchange bond tokens for transaction products, and further including an exchange server that exchanges bond tokens from the other party's user account and provides them when the transaction is approved by the transaction party.

10. In the first paragraph, the issuing server A bond token issuance and transaction system characterized in that, when the dividend period of the sold bond token is completed, the system selects either an extension of the dividend period or a purchase of the bond token from the issuer's terminal, generates token processing information, and transmits the token processing information to the purchaser's terminal.

11. In paragraph 1, The above purchase request information includes the introducer information. A bond-type token issuance and transaction system characterized in that the above issuance server stores the above introducer information and differentially pays rewards to the introducer according to the number of times the above introducer information has been accumulated.

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