JP2021117715A - Electronic currency utilization information system and electronic currency utilization method - Google Patents

Abstract

To provide an electronic currency utilization information system which can make the transaction of electronic currencies including a crypto-currency safer.SOLUTION: An electronic currency utilization information system 1 comprises: a user terminal 13 which performs a transaction to a partner account using a user account of an electronic currency whose value is indicated by digital information through a communication network 19, and records the history of the transactions in the user account as terminal transaction history information; and a personal information server 11 which registers personal information and receives server transaction history information related to a user whose personal information is registered. One of the personal information server and the user terminal extracts an account that is not registered in the personal information server of the transaction history that is included in the terminal transaction history information and is not included in the server transaction history information and records the account as unregistered person account information.SELECTED DRAWING: Figure 1

Description

The present invention relates to an electronic currency usage information system and an electronic currency usage method.

Nowadays, payments and remittances for goods and services are performed using electronic currencies whose value is indicated by digital information, such as cryptocurrencies (virtual currencies). On the other hand, a business called an information bank is known, in which data linked to information including behavior history and purchase history is deposited by an individual, and information is provided after matching with other businesses and anonymizing. Became. In Japan, the Ministry of Internal Affairs and Communications and the Ministry of Economy, Trade and Industry have published "Guidelines for Certification of Information Trust Functions ver2.0" and are moving toward commercialization.

Patent Document 1 discloses that as a virtual currency management system, transaction history is acquired from exchanges and wallets of a plurality of types of virtual currencies, converted into legal tender, and used as accounting data for the balance at the end of the period (valuation gain / loss). There is.

Japanese Unexamined Patent Publication No. 2019-14506

Especially in cryptocurrency transactions, it is difficult to carry out accurate accounting and proper tax filing in the business because the exchange rate with legal tender changes. In addition, due to the complexity of such accounting processing, there is a risk that the transaction itself may be excluded from the accounting processing regarding transactions of electronic currencies including cryptocurrencies. In addition, since the data formats are different in transactions of different electronic currencies, it is difficult to handle them all at once. On the other hand, especially in cryptocurrency transactions, it is possible to conduct transactions even if the trading partner is not clear, so it is conceivable that, for example, a malicious partner may be unintentionally traded.

In the transaction of electronic currency, there are various circumstances as described above, but the present disclosure is an electronic currency transaction system and an electronic currency transaction method that can make the transaction of electronic currency including cryptocurrency a safer transaction. Regarding providing.

The electronic currency usage information system of the present disclosure uses an electronic currency user account whose value is indicated by digital information to perform transactions with the other party account via a communication network, and terminal transactions with the transaction history of the user account. The personal information server and the use are provided with a user terminal for recording as history information and a personal information server for which personal information is registered and for receiving the server transaction history information related to the user to which the personal information is registered. One of the user terminals extracts an account that is not registered in the personal information server from the transaction history that is included in the terminal transaction history information and is not included in the server transaction history information, and uses it as unregistered person account information. It is an electronic currency usage information system that records.

Further, in the electronic currency usage information system of the present disclosure, when the user terminal tries to make a transaction with an account included in the unregistered account information, the user terminal displays a caution screen regarding the transaction and restricts the transaction. You may.

Further, in the electronic currency usage information system of the present disclosure, the personal information server requests the exchange transaction server that processes the transaction of the electronic currency to make a transaction with the account included in the unregistered account information, or Transactions related to a transaction request from an account included in the unregistered person account information may be restricted.

Further, in the electronic currency usage information system of the present disclosure, the above-mentioned transaction restriction may be performed when the conditions relating to at least one of the cumulative transaction amount, one transaction amount, and the number of transactions are satisfied. good.

Further, in the electronic currency usage information system of the present disclosure, the restriction of the transaction is determined based on whether or not the user terminal exists in Japan and whether or not the other party terminal exists in Japan. May be good.

Further, in the electronic currency usage information system of the present disclosure, the restriction of the transaction may be determined based on whether or not the user of the user terminal is a taxpayer in Japan.

Further, in the electronic currency usage information system of the present disclosure, the personal information server sends a message prompting the personal information server to register to the contact information of the account recorded in the unregistered person account information, or You may request transmission.

The method of using the electronic currency of the present disclosure is recorded on the user terminal of the server transaction history information recorded on the exchange transaction server and the transaction history of the transaction history of the electronic currency whose value is indicated by digital information. Electronic that compares the terminal transaction history information, extracts the unregistered account from the transaction history included in the terminal transaction history information and not included in the server transaction history information, and records it as unregistered person account information. How to use currency.

The electronic currency tax filing support system of the present disclosure receives terminal transaction history information, which is a transaction history in an electronic currency user account whose value is indicated by digital information, from a user terminal via a communication network, and described above. It is equipped with a personal information server that calculates the profit and loss of transactions in the transaction history of the user account and uses it as electronic currency profit and loss data, and a tax return final tax return server that displays the tax return creation screen. The server is an electronic currency tax filing support system that receives the electronic currency profit / loss data from the personal information server and displays the electronic currency profit / loss data including the electronic currency profit / loss data on the tax return preparation screen.

Further, in the electronic currency trading system of the present disclosure, when the national tax bureau final tax return server has not acquired the electronic currency profit / loss data, the user terminal is displayed to prompt the acquisition of the electronic currency profit / loss data. It may be displayed.

Further, in the electronic currency tax filing support system of the present disclosure, the personal information server receives a selection of whether to use the total average method or the moving average method in the profit and loss calculation, and uses the selected calculation method. The calculated electronic currency profit / loss data may be transmitted to the tax return final tax return server.

Further, in the electronic currency tax filing support system of the present disclosure, the personal information server is predetermined from the information processing terminal to at least the identification information of the user's agent of the user account and the identification information of the user. When the keyword is received, information based on the terminal transaction history information may be transmitted to the information processing terminal.

The electronic currency usage information support system of the present disclosure receives a transaction request relating to an electronic currency user account whose value is indicated by digital information, and terminal transactions the transaction history between the user account and the payment terminal account. The payment terminal that records as history information and the terminal transaction history information are received from the payment terminal, and the recommended conversion time, which is the recommended conversion time for the legal currency, is set for the balance of the electronic currency in the payment terminal account. It is an electronic currency usage information support system equipped with a personal information server that notifies the terminal.

Further, in the electronic currency usage information support system of the present disclosure, the recommended cashing time is calculated based on the cashing conditions received from the payment terminal, the legal tender conversion amount at the time of acquiring the electronic currency, and market condition information. May be.

Further, in the electronic currency usage information support system of the present disclosure, the cashing condition may include at least one of the cashing time and the cashing rate.

Further, in the electronic currency usage information support system of the present disclosure, the market condition information may include the transaction rate of the electronic currency acquired from another server connected to the network.

Further, in the electronic currency usage information support system of the present disclosure, the personal information server may send a cashing instruction to the exchange trading server when the cashing time has come.

Further, in the electronic currency usage information support system of the present disclosure, the personal information server calculates profit / loss based on the terminal transaction history information to obtain electronic currency profit / loss data, and notifies the payment terminal of the electronic currency profit / loss data. You may.

It is a figure for demonstrating the structure of the electronic currency transaction system which concerns on 1st Embodiment. It is a figure which shows an example of the hardware configuration of a personal information server. It is a figure which shows an example of the hardware configuration of a user terminal. It is a sequence diagram which shows the example of processing of an electronic currency transaction system. It is a sequence diagram which shows the example of processing of an electronic currency transaction system. It is a sequence diagram which shows the example of processing of an electronic currency transaction system. It is a flowchart which shows the transaction history comparison processing. It is a flowchart which shows the process of sending a message prompting registration to a personal information server. It is a table which shows the example of the determination of the transaction restriction in the transaction restriction confirmation processing. It is a sequence diagram for demonstrating the transaction restriction in the exchange transaction server. It is a sequence diagram which shows another example of transaction history comparison processing. It is a figure for demonstrating the structure of the electronic currency transaction system which concerns on 2nd Embodiment. It is a sequence diagram which shows the example of processing of an electronic currency transaction system. It is a flowchart which shows the example of the electronic currency profit and loss calculation processing. It is a flowchart which shows the example of the declaration form preparation process. It is a sequence diagram which shows the acquisition of the information based on the terminal transaction history information from other than the user terminal. It is a figure for demonstrating the structure of the electronic currency transaction system which concerns on 3rd Embodiment. It is a sequence diagram which shows the example of the processing of the electronic currency transaction system 3. It is a figure which shows the example of the sequence in the case of making a direct settlement between terminals. It is a flowchart which shows the example of the cashing time setting process. It is a sequence diagram which shows the example of the processing of the electronic currency transaction system 3. It is a figure which shows the structure of the electronic currency transaction system which combined the electronic currency transaction system of each embodiment.

Hereinafter, the configurations and functions of the electronic currency usage information system 1, the electronic currency tax filing support system 2, and the electronic currency usage information support system 3 of the present disclosure will be described with reference to the drawings. In the description, the same elements are designated by the same reference numerals, and duplicate description will be omitted as appropriate. In the present disclosure, "electronic currency" means digital information including cryptocurrency, which is a consideration that can be exchanged for goods and services in the same way as money. "Cryptocurrency" is also called virtual currency, and there is no currency management entity such as a central bank, and goods, services, and legal tender are used via a predetermined exchange connected to a communication network such as the Internet. It means exchangeable digital information.

[First Embodiment]
FIG. 1 is a diagram for explaining the configuration of the electronic currency utilization information system 1 according to the first embodiment. As shown in FIG. 1, the electronic currency usage information system 1 has a personal information server 11, an exchange transaction server 12, and a user terminal 13 connected to a communication network 19, respectively. Further, the other party terminal 14 may be further provided. The partner terminal 14 may be another user terminal, a payment terminal such as a POS (Point of Sales) terminal, or a transaction terminal such as a lender involved in investment. The user terminal 13 and the partner terminal 14 can be, for example, any of a smartphone, a personal computer, a tablet terminal, and a wearable terminal. The personal information server 11 and the exchange transaction server 12 can be, for example, a cloud server or an edge computing server.

The exchange transaction server 12 performs a process of recording an electronic currency transaction via a communication network 19, and records a transaction history as server transaction history information. The exchange transaction server 12 is a management server for transactions of electronic currencies, and may include an exchange (node) and a wallet, particularly in the case of cryptocurrencies. Therefore, in the transaction, the exchange generally goes through a plurality of exchange transaction servers 12, but in the present embodiment, in order to avoid the explanation from becoming too complicated, the user terminal 13 and the partner terminal 14 are respectively on the user terminal side. It will be described as connecting to the exchange trading server 12 and the exchange trading server 12 on the other end terminal side. The user terminal 13 uses the user account of the electronic currency to transmit the transaction request of the electronic currency to the other account to the exchange transaction server 12 on the user terminal side, and the terminal transaction history of the transaction in the user account. Record as historical information. The personal information server 11 receives personal information such as an address, name, date of birth, my number, and telephone number, and receives server transaction history information relating to the user to whom the personal information is registered. Here, the personal information server 11 includes the meaning of a server device in which personal information managed in a so-called information bank is stored. The counterparty terminal 14 is a terminal that manages the counterparty account that is the trading partner of the user terminal 13 that trades electronic currencies via the exchange trading server 12. Here, either the personal information server 11 or the user terminal 13 extracts an account that is not registered in the personal information server 11 from the transaction history that is included in the terminal transaction history information and is not included in the server transaction history information. And record it as unregistered account information.

FIG. 2 is a diagram showing an example of the hardware configuration of the personal information server 11. As shown in this figure, the personal information server 11 can be a so-called information processing device mainly composed of an electronic circuit using a semiconductor circuit element. For example, it has a CPU (Central Processing Unit) 111, a volatile storage unit 112 such as a RAM (Random Access Memory), a non-volatile storage unit 113 such as a flash memory or a hard disk, and a network interface 114 for connecting to a communication network 19. be able to. The hardware configuration of the exchange transaction server 12 can be the same as the configuration of the personal information server 11.

FIG. 3 is a diagram showing an example of the hardware configuration of the user terminal 13. Similar to the personal information server 11 of FIG. 2, it can be a so-called information processing device. For example, like the personal information server 11, the CPU 131, the volatile storage unit 132, the non-volatile storage unit 133, and the network interface 134 are provided, and further, input / output devices 136 such as a display device, keyboard, and touch panel, and input / output devices 136. It may have an input / output device interface 135 which is a circuit element for connecting the above. The hardware configuration of the remote terminal 14 can be the same as the configuration of the user terminal 13. Hereinafter, specific processing of the electronic currency usage information system 1 will be described, but the processing performed by the electronic currency usage information system 1 can be realized by software that operates the above-mentioned hardware. In this case, the software implemented in each terminal or each server may be implemented as an API (Application Programming Interface).

4 to 6 are sequence diagrams showing an example of processing of the electronic currency utilization information system 1. As shown in FIG. 4, the user terminal 13 transmits the personal information of the user to the personal information server 11 (step S101), and stores the personal information in the personal information server 11. Here, the user can predetermine the range and conditions in which his / her personal information registered in the personal information server 11 is provided to a third party. In addition, the user can allow the personal information server 11 to acquire information about the user's electronic currency transaction from the exchange transaction server 12. When permitting the acquisition of information on electronic currency transactions, the user terminal 13 provides the account information used for electronic currency transactions and the access information for accessing the exchange transaction server 12 to the personal information server. The personal information server 11 may register the account information and the access information and receive the server transaction history information of the registered account by transmitting to 11. In this sequence diagram, it is assumed that the trading partner who uses the partner terminal 14 also registers the personal information in the personal information server 11 (step S102).

When the user terminal 13 wishes to make a transaction with the other party account using the user account of the electronic currency, the user terminal 13 transmits a transaction request for the other party account to the exchange transaction server 12 on the user terminal side (step S103). ). The exchange transaction server 12 on the user terminal side that received the transaction request transmits the transaction request to the exchange transaction server 12 on the other terminal side, and the exchange transaction server 12 on the user terminal side and the other party that received the transaction request. The exchange trading server 12 on the terminal side starts the electronic currency transaction processing S104. In the electronic currency transaction processing S104, the exchange transaction server 12 on the other party terminal side further transmits a transaction request to the other party terminal 14 (step S105), and the transaction partner accepts the transaction request in the operation of the other party terminal 14. If the above is performed, a response is received (step S106). The exchange transaction server 12 on the user terminal side receives a response via the exchange transaction server 12 on the other terminal side. The exchange trading server 12 on the partner terminal side and the exchange trading server 12 on the user terminal side process the transfer of electronic currency between accounts, and notify the partner terminal 14 and the user terminal 13 of the results, respectively ( Step S107).

Each exchange transaction server 12 that has performed the electronic currency transaction process S104 records the transaction history as server transaction history information (step S108). The user terminal 13 and the other terminal 14 also record the transaction history as the respective terminal transaction history information (steps S109 and S110). The recorded contents may include, for example, the transaction date and time, the type and number of units of the electronic currency, and the type and amount of the legal tender when the legal currency is used. Further, the account number, the terminal information used, the access line information, etc. used by the user terminal 13 and the partner terminal 14 may be included. Here, the terminal information used can include, for example, the type of OS (Operating System), the name of the application such as the browser used, the MAC (Media Access Control address) address, the IMEI (International Mobile Equipment Identity), and the like. The access line information may include an Internet line operator name, an Internet connection operator name, an IP (Internet Protocol) address, and the like.

The personal information server 11 requests the server transaction history information from each exchange transaction server 12 (step S111), for example, at each transaction or every time a predetermined period elapses, and is a registered user (this sequence) who is permitted to acquire the information. In the figure, the transaction history of the user and the trading partner) is received (step S112).

FIG. 5 is a diagram showing a case where the personal information server 11 does not acquire the server transaction history information of the other party account in the sequence diagram of FIG. As shown in FIG. 5, the trading partner using the partner terminal 14 does not register his / her personal information in the personal information server 11 and does not allow the acquisition of the server transaction history information (no step S102 (dotted line display)). ). In this case, the personal information server 11 cannot acquire the server transaction history information of the other party account, and acquires only the server transaction history information of the user account (step S112 in FIG. 5). Since other processes are the same as those in the sequence diagram of FIG. 4, redundant description will be omitted.

The personal information server 11 that has acquired the server transaction history information proceeds to the flowchart of FIG. 6 and receives the terminal transaction history information from the user terminal 13 (step S113). Here, the user terminal 13 can transmit the terminal transaction history information to the personal information server 11 in response to the request of the personal information server 11 or voluntarily. The personal information server 11 that has received the terminal transaction history information performs the transaction history comparison process S200.

FIG. 7 is a flowchart showing the transaction history comparison process S200. As shown in this flowchart, first, the contents of the terminal transaction history information and the contents of the server transaction history information are compared, and it is determined whether or not there is a difference (step S201). If there is no difference (step S201: No), the process ends. If there is a difference (step S201: Yes), the fact that there is a difference may be displayed on the screen of the user terminal 13 (step S202). Next, it is determined whether the transactions with differences are substantially the same (step S203), and if they are substantially the same (step S203: Yes), the differences are corrected and saved so as to be the same (step S203: Yes). Step S204), the process is terminated. The “substantially the same” means, for example, a case where one of the information has a leak or the like and is detected as a difference, but the processing is actually the same. The determination of whether or not the information is "substantially the same" may be determined by, for example, whether or not other information matches in the personal information server 11, or the information is displayed on the user terminal 13 and is the same as the user. It may be made to judge whether it is a transaction of.

If they are not substantially the same (step S203: No), it is determined whether the transaction with the difference is a transaction history included in the terminal transaction history information and not included in the server transaction history information (step S205). If the determination in step S205 is negative, the contents indicating confirmation are recorded in the record of the history of the server transaction history information (step S206), and the process ends. If the determination in step S205 is affirmative (step S205: Yes), the record of the history of the terminal transaction history information is added to the server transaction history information (step S207), and the process proceeds to the transaction restriction setting process S210. At this time, if there is a transaction history included in the server transaction history information but not included in the terminal transaction history information, the record of the history of the server transaction history information is transmitted to the user terminal 13 to provide the terminal transaction history information. It may be added to. In the transaction restriction setting process S210, it is determined whether or not the added transaction history account is an account registered in the personal information server 11 (step S211). If it is a registered account (step S211: Yes), the process ends. If it is not a registered account (step S211: No), the information of the account is recorded as unregistered account information (step S212). Here, in the case of an account already recorded in the unregistered account information, transaction history information such as a transaction date and time and a transaction amount may be added to the unregistered account information. Next, it is determined whether or not the account related to the recorded unregistered account information satisfies the transaction restriction condition (step S213). If the condition of the transaction restriction is not satisfied (step S213: No), a process of transmitting a message prompting the other party terminal 14 to register to the personal information server 11 is performed (step S800), and the process is terminated. When the condition of the transaction restriction condition is satisfied (step S213: Yes), the transaction restriction request is transmitted to the exchange transaction server 12 (step S215). Here, the conditions for the transaction restriction can be set when the conditions relating to at least one of the cumulative transaction amount, one transaction amount, and the number of transactions are satisfied. For example, a transaction restriction request may be sent when the cumulative transaction amount exceeds the predetermined amount, when the transaction amount per transaction exceeds the predetermined amount, or when the number of transactions exceeds the predetermined amount. can. Further, the transaction restriction request may be transmitted to the user terminal 13 or may be transmitted to both the exchange transaction server 12 and the user terminal 13.

FIG. 8 is a flowchart for explaining an example of a process (unregistered person message transmission process) S800 for transmitting a message prompting registration to the personal information server 11 to the other terminal 14. As shown in this flowchart, in the process S800 of transmitting a message prompting the other party terminal 14 to register to the personal information server 11, the personal information server 11 first acquires access line information from the transaction history of the other party terminal 14. Then (step S801), the communication line operator is specified from the acquired access line information (step S802). Next, the personal information server 11 acquires the contact information of the unregistered person from the specified communication line operator (step S803), and sends a message prompting the acquired contact information to be registered in the personal information server 11 (step S803). Step S804). The other party terminal 14 that has received the message displays the received message prompting the personal information server 11 to register.

In the flowchart of FIG. 8, it is decided that the personal information server 11 transmits a message, but the personal information server 11 requests the information processing server of the communication line operator to send a message, and the operator who received the request. The information processing server of the above may send a message urging the contact information of the unregistered person to register with the personal information server 11. In addition, the personal information server 11 provides the contact information of the unregistered person obtained from the communication line operator to an organization such as the National Tax Agency, and the information processing server of the organization provides the contact information of the unregistered person to the personal information server 11. You may also send a message urging you to register with. Further, when the exchange transaction server 12 requested to send a message prompting registration from the personal information server 11 makes a transaction with the other terminal 14 owned by the unregistered person, the personal information server 11 with respect to the other terminal 14. You may also send a message urging you to register with.

Returning to FIG. 6, the exchange transaction server 12 that has received the transaction restriction request performs the server transaction restriction process S126 in the exchange transaction server 12, and further transmits the transaction restriction request to the user terminal 13 (step S127). .. The user terminal 13 that has received the transaction restriction request performs the terminal transaction restriction process S128. The user terminal 13 may further perform the transaction restriction confirmation process S300. The transaction restriction confirmation process S300 may be performed on the user terminal 13 when an operation of transmitting a transaction request to the other party account is performed.

FIG. 9 is a table showing an example of determination of transaction restrictions in the transaction restriction confirmation process S300. In this table, ◎ indicates transactions without transaction restrictions, ◯ indicates transactions excluded from transaction restrictions, △ indicates transactions subject to transaction restrictions, and ● indicates transactions that cannot be involved (cannot be restricted). As shown in this table, for example, when the user of the user terminal 13 is a taxpayer and has not been registered in the personal information server 11, when both the user terminal 13 and the partner terminal 14 are overseas. Except for, it is subject to transaction restrictions. In this way, the transaction restriction on the user terminal 13 is determined based on whether the user of the user account is a taxpayer in Japan and whether the transaction request uses a domestic exchange. be able to. Further, the determination may be made based on whether or not the user terminal 13 is in Japan and whether or not the partner terminal 14 is in Japan. A satellite positioning system such as GPS (Global Positioning System) may be used to determine whether or not the terminal exists in Japan, and in the case of a mobile communication terminal, the determination is made based on location registration information and connection destination carrier information. You may do it. The table for determining transaction restrictions in FIG. 9 is an example, and can be defined in addition to this table.

Returning to FIG. 6, when the transaction-restricted user terminal 13 performs a transaction operation on the transaction partner account subject to the transaction restriction, it urges the user terminal 13 to refrain from the transaction to the effect that the transaction cannot be performed. It is possible to display a caution screen to that effect. Further, it may be possible that the transaction request cannot be transmitted (step S103) to the trading partner account subject to the transaction restriction.

FIG. 10 is a sequence diagram for explaining transaction restrictions on the exchange transaction server 12. As shown in this flowchart, when the exchange transaction server 12 on which the server transaction restriction process S126 is performed receives a transaction request (step S103) for the counterparty account subject to the transaction restriction, the counterparty terminal 14 is subjected to the transaction request (step S103). The transmission of the transaction request can be restricted (step S133). At this time, it is possible to determine whether or not to restrict transactions based on the determination criteria as shown in the table of FIG. When the transaction is restricted, the above-mentioned caution screen may be displayed on the user terminal 13 that has transmitted the transaction request. The exchange transaction server 12 on which the server transaction restriction process S126 has been performed makes a transaction request with an account included in the unregistered account information and / or a transaction related to a transaction request from the account included in the unregistered account information. It can be restricted. Further, similarly to the transaction restriction confirmation process S300 in the user terminal 13, the exchange transaction server 12 acquires the position information and restricts the transaction depending on the position where the user terminal 13 (and / or the partner terminal 14) exists. It may be determined whether or not to do so.

FIG. 11 is a sequence diagram showing another example of the transaction history comparison process S200. As shown in this sequence diagram, the transaction history comparison process S200 is not executed only on the personal information server 11, but may be distributed and executed on the user terminal 13 and the personal information server 11. .. In the example of this sequence diagram, the transaction history comparison process S200A including steps S200 to S203 of the transaction history comparison process S200 is executed on the user terminal 13, and the difference information is transmitted to the personal information server 11 (step S132). The server 11 is configured to execute the transaction history comparison process S200B including steps S204 to S215, which is the remaining transaction history comparison process S200, based on the received difference information. As described above, the transaction history comparison process S200 can be performed by any information processing device in the electronic currency usage information system 1.

As described above, in the above-mentioned electronic currency usage information system 1, transactions with trading partners not registered in the personal information server 11 are restricted, so that transactions with trading partners registered in the personal information server 11 are prioritized. Can be made to make a transaction. Therefore, a transaction of an electronic currency such as a cryptocurrency whose trading partner tends to be unclear can be made a transaction with a registrant of the personal information server 11, so that a safer transaction can be made. Further, since a transaction of an electronic currency that is not registered in the personal information server 11 cannot make a transaction with a user registered in the personal information server 11, the electronic currency that is not registered in the personal information server 11 cannot be traded. It is possible to urge the trader to register with the personal information server 11.

[Second Embodiment]
FIG. 12 is a diagram for explaining the configuration of the electronic currency tax filing support system 2 according to the second embodiment. As shown in FIG. 12, the electronic currency tax filing support system 2 has a personal information server 11, a user terminal 13, and a national tax bureau final tax return server 15, which are connected to a communication network 19, respectively. Further, it may also have an information processing terminal 20 used by an exchange transaction server 12 and, for example, a tax accountant involved in the user of the user terminal 13.

The user terminal 13 records terminal transaction history information, which is a transaction history in a user account of an electronic currency whose value is indicated by digital information. The personal information server 11 receives the terminal transaction history information from the user terminal 13 via the communication network 19, calculates the profit and loss of the transaction in the user account, obtains the electronic currency profit and loss data, and responds to the user's request. Send electronic currency profit and loss data. The National Tax Bureau final tax return server 15 displays a tax return preparation screen to support the preparation of tax returns, and further receives electronic currency profit and loss data from the personal information server 11. However, it is possible to display the electronic currency profit and loss data on the tax return creation screen. The exchange transaction server 12 performs a process of recording an electronic currency transaction via a communication network 19. The information processing terminal 20 transmits, for example, identification information of the user's agent of the user account, user identification information, and predetermined keywords to the personal information server 11, and information based on the terminal transaction history information. To receive.

Since the hardware configurations of the personal information server 11, the exchange transaction server 12, and the national tax bureau final tax return server 15 are the same as those shown in the explanations corresponding to FIGS. 2 and 2, duplicate explanations will be omitted. Since the hardware configuration of the user terminal 13 is the same as that shown in the description corresponding to FIGS. 3 and 3, duplicate description will be omitted. Hereinafter, the specific processing of the electronic currency tax filing support system 2 will be described, but the processing performed by the electronic currency tax filing support system 2 can be realized by the software that operates the above-mentioned hardware. .. In this case, the software implemented in each terminal or server may be implemented as an API (Application Programming Interface).

FIG. 13 is a sequence diagram showing an example of processing of the electronic currency tax filing support system 2. As shown in this sequence diagram, as in FIG. 4 of the first embodiment, the personal information server 11 receives the personal information of the user from the user terminal 13 (step S101), and the personal information server 11 receives the personal information of the user. save. The exchange transaction server 12 receives an electronic currency transaction request from the user terminal 13 (step S103), starts the electronic currency transaction process S104, processes the transfer of the electronic currency between accounts, and performs the electronic currency transfer process between the user terminals. 13 is notified of the result (step S107). The user terminal 13 that has received the result records the transaction history as terminal transaction history information (step S109).

The user terminal 13 recorded as the terminal transaction history information transmits the terminal transaction history information to the personal information server 11 voluntarily or in response to the request of the personal information server 11 (step S121). The personal information server 11 saves the received transaction history information (step S122). The personal information server 11 performs the electronic currency profit / loss calculation process (step S400), for example, at the weekly, monthly, quarterly settlement of accounts, or at the requested timing.

FIG. 14 is a flowchart showing an example of the electronic currency profit / loss calculation process S400. As shown in this flowchart, the electronic currency profit / loss calculation process S400 calculates the profit / loss by the total average method based on the transaction history in step S401, and saves the calculation result. Further, in step S402, the profit and loss is calculated by the moving average method based on the transaction history, and the calculation result is saved. In FIG. 14, any process may be performed first in the calculation of the total average method and the moving average method.

Returning to FIG. 13, the personal information server 11 receives the selection of whether to use the total average method or the moving average method in the profit and loss calculation at an arbitrary transmission timing of the user, and the selected profit and loss calculation method. Is saved (step S142). The timing of receiving the selection of the profit and loss calculation method may be any time before the timing when the final tax return server 15 of the National Tax Bureau, which will be described later, acquires the electronic currency profit and loss data, and there is a profit and loss calculation method that has already been selected before the previous year. In that case, the profit and loss calculation method may not be selected again.

Next, when the user prepares a tax return, the user terminal 13 transmits a tax return preparation process start request to the national tax bureau final tax return server 15 (step S145). Upon receiving the tax return preparation process start request, the tax return final tax return server 15 starts the tax return preparation process S500 and transmits the tax return preparation screen data to the user terminal 13 (step S146). The user terminal 13 displays the tax return preparation screen (step S147), and prepares the tax return while communicating with the tax return final tax return server 15.

FIG. 15 is a flowchart showing an example of the tax return preparation process S500. In addition, in this flowchart, only the matters related to the profit and loss of the electronic currency are shown, and the known functions are used for the other input items of the tax return, and the details of the processing are omitted. As shown in this flowchart, in the tax return preparation process S500, the tax return final tax return server 15 acquires the filer identification information such as name and address from the information input in the tax return (step S501). The national tax bureau final tax return server 15 uses the received filer identification information to confirm whether or not the filer (user) information is registered in the personal information server 11 (step S502). If the filer is not registered (step S502: No), it is determined whether or not there is an electronic currency transaction (step S503). If there is no transaction in the electronic currency (step S503: No), the process ends without declaring the profit or loss of the electronic currency (step S504). If there is a transaction of electronic currency, the process proceeds to the process of creating a tax return by manually inputting the electronic currency (step S505), and the process ends after the process of creating a tax return by manual input.

In step 502, if the filer is registered in the personal information server 11 (step S502: Yes), it is determined whether or not there is an electronic currency profit / loss data automatic acquisition setting (step S506). Whether or not the child currency profit / loss data automatic acquisition setting is set may be stored in the national tax bureau final tax return server 15 or may be stored in the personal information server 11. If there is an automatic acquisition setting of electronic currency profit / loss data (step S506: Yes), the electronic currency profit / loss data is acquired from the personal information server 11 and reflected in the format of the declaration (step S509), and the process is terminated. If there is no automatic acquisition setting of electronic currency profit / loss data (step S506: No), the user terminal 13 is inquired whether to acquire the electronic currency profit / loss data (step S507). When a response to acquire the electronic currency profit / loss data (for example, FIG. 13: request in step S148) is received (step S508: Yes), the electronic currency profit / loss data is acquired from the personal information server 11 and the declaration form is received. Is reflected in the format of (step S509), and the process ends.

Step 509 of the declaration form preparation process S500 will be described in detail by returning to FIG. In step 509, the national tax bureau final tax return server 15 transmits an electronic currency profit / loss data acquisition request to the personal information server 11 (step S509A), and the personal information server 11 that receives the electronic currency profit / loss data acquisition request receives the selected profit / loss. The electronic currency profit / loss data of the calculation method is transmitted (step S509B). The National Taxation Bureau final tax return server 15 that has received the electronic currency profit / loss data transmits the tax return data with the electronic currency profit / loss data (step S509C) and displays it on the user terminal 13.

In step S508 of FIG. 15, when a response to the effect that the electronic currency profit / loss data is not acquired is received (step S508: No), a display prompting the user terminal 13 to acquire the electronic currency profit / loss data is displayed (step S510). , The process of step S508 is repeated. Here, in step S508, when a response to the effect that the electronic currency profit / loss data is not acquired is received, the process may be such as shifting to the report preparation process by manually inputting the electronic currency profit / loss in step S505.

FIG. 16 is a sequence diagram showing a case where information based on terminal transaction history information is acquired from a user's agent or the like. As shown in this sequence diagram, the user account information stored in the personal information server 11 can be used by, for example, a tax accountant acting on behalf of the user for tax filing, and the personal information can be used from the user terminal 13. It is transmitted to the server 11 and stored in the personal information server 11 (step S191). The information processing terminal 20 used by a tax accountant or the like acting on behalf of the user's tax filing tells the personal information server 11 the identification information of the user's agent of the user account, the identification information of the user account, and the above-mentioned. The keyword is transmitted (step S191). The personal information server 11 transmits information based on the terminal transaction history information from the information processing terminal 20 to the information processing terminal 20 (step S192). Here, the information based on the terminal transaction history information can be information calculated from the transaction history information, the electronic currency profit / loss data, and other terminal transaction history information. Further, the personal information server 11 may convert the format into a format (for example, a final tax return, a financial statement, etc.) specified by the information processing terminal 20 and transmit the information to the information processing terminal 20. As a result, the tax accountant or the like involved in the user can acquire information on the use of the user's electronic currency from the personal information server 11 when preparing documents such as financial statements and final tax returns.

As described above, the electronic currency tax filing support system 2 according to the present embodiment is based on the transaction history in the electronic currency user account whose value is indicated by digital information from the user terminal 13 via the communication network 19. A personal information server 11 that receives transaction history information from a certain terminal, calculates the profit and loss of transactions in the transaction history of the user account, and uses it as electronic currency profit and loss data, and a tax return filing server that displays a tax return creation screen. 15 and. Here, the national tax bureau final tax return server 15 receives the electronic currency profit / loss data from the personal information server 11 and displays the electronic currency profit / loss data including the electronic currency profit / loss data on the declaration form creation screen.

Further, in the electronic currency tax filing support system 2, the national tax bureau final tax return server 15 causes the user terminal 13 to display a display prompting the acquisition of the electronic currency profit / loss data when the electronic currency profit / loss data has not been acquired. It may be that.

Further, in the electronic currency tax filing support system 2, the personal information server 11 receives the selection of whether to use the total average method or the moving average method in the profit and loss calculation, and calculates by the selected calculation method. The electronic currency profit / loss data may be transmitted to the tax return filing server 15 of the National Tax Bureau.

Further, in the electronic currency tax filing support system 2 of the present disclosure, the personal information server 11 is predetermined from the information processing terminal 20 to at least the identification information of the user's agent of the user account and the identification information of the user. When the keyword is received, information based on the terminal transaction history information may be transmitted to the information processing terminal 20.

As described above, in the above-mentioned electronic currency tax filing support system 2, tax filing related to electronic currency transactions can be made more easily and accurately. In addition, even if the tax filing related to electronic currency transactions is about to be excluded from the tax filing, it is possible to make a complete tax filing in order to encourage the inclusion of tax filings related to electronic currency transactions. can. In the above series of processing, it is not necessary to use the same user terminal 13, and if it is accessible to the personal information server 11 or the national tax bureau final tax return server 15, different terminals may be used as appropriate. Can be done. In addition, the personal information server 11, the user terminal 13, and the exchange transaction server 12 according to the second embodiment can further perform the same operations as those shown in the first embodiment, respectively.

[Third Embodiment]
FIG. 17 is a diagram for explaining the configuration of the electronic currency usage information support system 3 according to the third embodiment. As shown in FIG. 17, the electronic currency usage information support system 3 has a personal information server 11 connected to a communication network 19 and a payment terminal 16 such as a POS (Point of Sales) terminal, respectively. Further, it may have an exchange transaction server 12, a news server 17, a transaction rate server 18, and a user terminal 13 for making a payment with the payment terminal 16 connected to the communication network 19. In the following description, a case where one type of electronic currency is handled will be described, but the payment terminal 16 can identify and settle each of a plurality of types of electronic currencies. Electronic currencies that can be settled are not limited to cryptocurrencies, but include digital currencies issued by authorized issuers such as digital yuan (electronic currencies of major countries) and digital currencies issued by banks and private companies.

The payment terminal 16 receives a transaction request related to the user account of the electronic currency whose value is indicated by digital information from the user terminal 13, and also records the transaction history between the user account and the payment terminal account as the terminal transaction history. Record as information. The personal information server 11 receives the terminal transaction history information from the payment terminal 16 and notifies the payment terminal 16 of the recommended conversion time, which is the recommended conversion time to the legal tender, for the balance of the electronic currency in the payment terminal account. do. The exchange transaction server 12 performs a process of recording an electronic currency transaction via a communication network 19. The transaction rate server 18 provides information on the transaction rate of the electronic currency to the personal information server 11. The news server 17 provides the personal information server 11 with news including information on the transaction rate of the electronic currency.

Since the hardware configurations of the personal information server 11, the exchange transaction server 12, the transaction rate server 18, and the news server 17 are the same as those shown in the explanations corresponding to FIGS. 2 and 2, duplicate explanations are omitted. do. Since the hardware configurations of the user terminal 13 and the payment terminal 16 are the same as those shown in the explanations corresponding to FIGS. 3 and 3, duplicate description will be omitted. Hereinafter, the specific processing of the electronic currency usage information support system 3 will be described, but the processing performed by the electronic currency usage information support system 3 can be realized by the software that operates the above-mentioned hardware. .. In this case, the software implemented in each terminal or server may be implemented as an API (Application Programming Interface).

18 and 21 are sequence diagrams showing an example of processing of the electronic currency usage information support system 3. As shown in this sequence diagram, when the user terminal 13 transmits a transaction request to the payment terminal 16 (step S301) in order to pay a fee for, for example, a product or service, the payment terminal 16 sends the payment terminal 16 to the exchange transaction server 12. A transaction request is transmitted to the transaction request (step S103). The exchange transaction server 12 that has received the transaction request performs the electronic currency transaction processing S104 between the account of the user terminal 13 and the account of the settlement terminal 16, and notifies the settlement terminal 16 of the result (step S107). .. The payment terminal 16 further notifies the user terminal 13 of the transaction result (step S302), and records the transaction result as terminal transaction history information (step S109). Here, the communication between the user terminal 13 and the payment terminal 16 may be via wireless or wired communication. The payment terminal 16 that has recorded the terminal transaction history information transmits the terminal transaction history information to the personal information server 11 voluntarily or in response to a request from the personal information server 11 (step S121). The personal information server 11 saves the received transaction history information (step S122). Here, the communication between the user terminal 13 and the payment terminal 16 related to the payment is, for example, "contactless method using NFC (Near Field Communication)", "the user's terminal uses the display on the transaction partner terminal". The person code (bar code, QR (Quick Response) code, etc.) may be read, or the terminal may read the biometric information (face, etc.) of the trading partner.

In the above-mentioned settlement, the settlement is made via the exchange transaction server 12, but it corresponds to an exchange (such as a cryptocurrency exchange or a wallet trader) at the time of electronic currency transactions between terminals, for example, at the time of cryptocurrency transactions. Payment may be made directly between the user's terminals without going through an institution. In this case, as shown in FIG. 19, the electronic currency transaction process S303 is performed between the settlement terminal 16 that received the transaction request and the user terminal 13 that transmitted the transaction request, and the terminal transaction history information is obtained. Recorded on each terminal. After that, the terminal transaction history information is transmitted to the personal information server 11 as in the sequence diagram of FIG. 18 (step S121). The transaction may be carried out by "contactless method using NFC" or "method in which the terminal reads the user code (bar code, QR code (registered trademark), etc.) displayed on the other terminal". ..

Returning to FIG. 18, the personal information server 11 requests the transaction rate information of the electronic currency from the transaction rate server 18 (step S161), and receives the current and / or past transaction rate information from the transaction rate server 18 (step S161). S162), the received transaction rate information is accumulated (step S163). Further, the personal information server 11 requests news information from the news server 17 (step S164), receives current or past news information from the news server 17 (step S165), and accumulates the received news information (step S165). S166). The news information may include, for example, political economy, diplomacy, stock price information, and the like. The personal information server 11 predicts a future transaction rate based on the accumulated transaction rate and / or market information such as news (step S171), and distributes it to the payment terminal 16 together with the current transaction rate (step S172). .. The payment terminal 16 may display the received transaction rate. The transaction rate forecast shall be calculated by executing the AI (Artificial Intelligence) program, which is a machine learning program of market information such as accumulated transaction rate information and accumulated news information. Can be done.

Further, the payment terminal 16 transmits a conversion condition setting request for conversion to legal tender for the balance of the electronic currency of the account related to the payment terminal 16 to the personal information server 11 (step S173). The personal information server 11 performs the recommended cashing time prediction process S174 that predicts the recommended cashing time based on the received cashing conditions, the transaction history of each account, and the predicted transaction rate. The "cashing conditions" can include, for example, the period for which cashing is desired and the cashing rate. The period to be redeemed can be set based on, for example, the settlement of accounts or the convenience of the transfer date, and the redemption rate can be set, for example, for the purpose of preventing loss due to a difference in transaction rates. The recommended cashing time prediction process S174 can compare the "legal currency amount when cashing at the predicted rate" and the "total legal currency conversion amount at the time of transaction" and extract an advantageous cashing time as the recommended cashing time. can. The extracted recommended cashing time is notified to the payment terminal 16 (step S175). Further, it may be transmitted to the user's mobile terminal or the like by using e-mail, SMS (Short Message Service) or the like. Further, when the loss is predicted, the time when the loss is not predicted to be too large may be notified. The payment terminal 16 that has received the recommended cashing time executes the cashing time setting process S600 according to the operation of the user.

FIG. 20 is a flowchart showing an example of the cashing time setting process S600. As shown in this flowchart, in the cashing time setting process S600, first, the received recommended cashing time and the predicted rate at that time are displayed (step S601). Next, it is detected whether or not the user has selected to cash in at the displayed recommended arousal time (step S602). When it is selected to cash in at the recommended cashing time (step S602: Yes), the recommended cashing time is specified as the cashing timing (step S603), and the cashing time setting request is transmitted to the personal information server 11. (Step S607), the process ends.

If the user does not select to cash in at the recommended redemption time (step S602: No), the user detects whether or not another cashing time has been input (step S604). When the input of another cashing time is detected (step S604: Yes), the timing of the input cashing time is specified (step S606), and the cashing time setting request is transmitted to the personal information server 11 (step S607). ), End the process. If the input of another cashing time is not detected (step S604: No), the personal information server 11 is cashed as an instruction to maintain the account balance of the electronic currency without setting the time at the present time (step S605). A timing setting request is transmitted (step S607), and the process ends. Returning to FIG. 18, the personal information server 11 that has received the cashing time setting request sets the designated cashing time (step S177).

Moving to FIG. 21, when the personal information server 11 detects that the set cashing time condition has arrived (step S180), the personal information server 11 requests the exchange trading server 12 for cashing. Is transmitted (step S181). The exchange transaction server 12 that has received the cashing request performs the cashing process S182 and notifies the settlement terminal 16 of the result (step S183). The payment terminal 16 that has received the result notification records the terminal transaction history information as terminal transaction history information (step S184), and transmits the terminal transaction history information to the personal information server 11 (step S185). The personal information server 11 that has received the terminal transaction history information saves the received terminal transaction history information (step S186). In FIG. 21, when the personal information server 11 detects that the cashing time condition has arrived, it is decided to directly send the cashing request to the exchange trading server 12, but from the payment terminal 16. After receiving the response of the cashing instruction, the cashing request may be transmitted to the exchange transaction server 12, or only the payment terminal 16 may be notified.

Similar to the second embodiment, the personal information server 11 can perform the electronic currency profit / loss calculation process S400 at, for example, weekly, monthly, quarterly settlement of accounts, or requested timing. Since the electronic currency profit / loss calculation process S400 is the same as the description corresponding to FIGS. 14 and 14, the duplicate description will be omitted. The calculated electronic currency profit / loss data may be transmitted to the payment terminal 16 (step S187) and displayed on the payment terminal 16 (step S188). As the profit / loss calculation method of the displayed electronic currency profit / loss data, for example, the method defined in the embodiment shown in steps S141 to S142 of FIG. 13 may be used, or both the total average method and the moving average method are displayed. It may be that.

Further, the personal information server 11 or another information processing server connected to the communication network 19 may have a currency management system and a currency operation system. The currency management system manages assets of currencies such as cryptocurrencies, legal tenders, and electronic currencies of major countries in payment terminal accounts. The currency management system manages the currency managed by the currency management system. Further, the AI may be used for evaluation according to a plurality of operation conditions set in advance by the user, and another AI may perform the operation based on the evaluation result.

As described above, the electronic currency usage information support system 3 according to the third embodiment receives a transaction request relating to an electronic currency user account whose value is indicated by digital information, and also receives a user account and a payment terminal account. The payment terminal 16 that records the transaction history between and the payment terminal 16 and the payment terminal 16 receives the terminal transaction history information, and the recommended conversion time of the electronic currency in the payment terminal account to the legal currency. It is provided with a personal information server 11 that notifies the payment terminal 16 of the recommended cashing time.

Further, in the electronic currency usage information support system 3, the recommended cashing time may be calculated based on the cashing conditions received from the payment terminal 16, the legal tender conversion amount at the time of acquiring the electronic currency, and the market condition information.

Further, in the electronic currency usage information support system 3, the cashing condition may include at least one of the cashing time and the cashing rate.

Further, in the electronic currency usage information support system 3, the market condition information may include the transaction rate of the electronic currency acquired from another server 17 or 18 connected to the network.

Further, in the electronic currency usage information support system 3, the personal information server 11 may send a cashing instruction to the exchange trading server 12 when it detects the arrival of the cashing time.

Further, in the electronic currency usage information support system 3, the personal information server 11 may calculate profit / loss based on the terminal transaction history information to obtain electronic currency profit / loss data, and notify the settlement terminal 16 of the electronic currency profit / loss data. ..

As described above, in the above-mentioned electronic currency usage information support system 3, the balance of the electronic currency acquired through the sale of goods or the like can be converted into legal tender at a more appropriate time. In addition, it is possible to confirm the profit and loss of the electronic currency more easily and accurately. In the above-mentioned series of processes, the personal information server 11, the payment terminal 16, and the exchange transaction server 12 according to the third embodiment are the personal information server 11, shown in the first embodiment and the second embodiment, respectively. It is possible to further perform the same operations as those of the user terminal 13 and the exchange trading server 12. The user terminal 13 may have the function of the payment terminal 16 according to the third embodiment.

In the above description, the electronic currency usage information system 1 of the first embodiment, the electronic currency tax filing support system 2 of the second embodiment, and the electronic currency usage information support system 3 of the third embodiment are separately used. Although described, as shown in FIG. 22, all or any of the embodiments may be selectively used in combination. For example, when the first embodiment and the second embodiment are combined, it is possible to urge a transaction of an electronic currency that is not registered in the personal information server 11 to register in the personal information server 11, and further. Since registered traders can file tax returns more easily, it is possible to avoid more omissions.

It should be noted that the description of the above-described embodiment is an example, and the case where changes and modifications that can be conceived by those skilled in the art are included in the scope of the idea of the present invention also belongs to the scope of the present invention. For example, a component of an embodiment that has been changed to a substitutable structure or a component deleted is also within the scope of the present invention as long as it is within the scope of the idea of the present invention.

1 Electronic currency usage information system 2 Electronic currency tax filing support system 3 Electronic currency usage information support system 11 Personal information server 12 Exchange transaction server 13 User terminal 14 Partner terminal 15 National tax bureau final filing server 16 Payment terminal 17 News server 18 Transactions Rate server 19 Communication network 111,131 CPU
112, 132 Volatile storage 113, 133 Non-volatile storage 114, 134 Network interface 135 Input / output device Interface 136 Input / output device

Claims (8)

Use of electronic currency user accounts whose value is indicated by digital information to carry out transactions with the other account via communication via the exchange transaction server, and to record the transaction history of the user account as terminal transaction history information. Person terminal and
Among the server transaction history information which is the transaction history recorded in the exchange transaction server, the personal information server for receiving the server transaction history information relating to the user to which the personal information is registered is provided.
Either the personal information server or the user terminal extracts an account not registered in the personal information server from the transaction history included in the terminal transaction history information and not included in the server transaction history information. , An electronic currency usage information system that records as unregistered account information. The electronic currency usage information system according to claim 1, wherein the user terminal displays a caution screen regarding transactions and restricts transactions when attempting to make a transaction with an account included in the unregistered account information. The personal information server makes a transaction request with the account included in the unregistered person account information to the exchange transaction server that processes the electronic currency transaction, or from the account included in the unregistered person account information. The electronic currency usage information system according to claim 1 or 2, which restricts transactions related to the transaction request of. The electronic currency usage information system according to claim 2 or 3, wherein the transaction is restricted when the conditions relating to at least one of the cumulative transaction amount, one transaction amount, and the number of transactions are satisfied. The restriction on the transaction is determined based on whether or not the user terminal exists in Japan and whether or not the other party terminal that manages the other party account exists in Japan, any one of claims 2 to 4. The electronic currency usage information system described in the section. The electronic currency usage information system according to any one of claims 2 to 5, wherein the transaction restriction is determined based on whether or not the user is a taxpayer in Japan. The personal information server sends or requests transmission of a message prompting the personal information server to register to the contact information of the account recorded in the unregistered person account information, according to claims 1 to 6. The electronic currency usage information system described in any one of the items. Among the transaction histories of electronic currencies whose value is indicated by digital information, the server transaction history information recorded by the exchange transaction server and the terminal transaction history information recorded by the user terminal among the transaction histories are compared.
An electronic currency usage method for extracting an unregistered account from the transaction history included in the terminal transaction history information and not included in the server transaction history information and recording it as unregistered person account information.

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