WO2021255902A1 - Digital currency exchange system, digital currency exchange method, and program - Google Patents

Digital currency exchange system, digital currency exchange method, and program Download PDF

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Publication number
WO2021255902A1
WO2021255902A1 PCT/JP2020/023994 JP2020023994W WO2021255902A1 WO 2021255902 A1 WO2021255902 A1 WO 2021255902A1 JP 2020023994 W JP2020023994 W JP 2020023994W WO 2021255902 A1 WO2021255902 A1 WO 2021255902A1
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WO
WIPO (PCT)
Prior art keywords
digital currency
cashing
delivery company
delivery
predetermined
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PCT/JP2020/023994
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French (fr)
Japanese (ja)
Inventor
高志 渡邊
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株式会社日立物流
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Publication date
Application filed by 株式会社日立物流 filed Critical 株式会社日立物流
Priority to PCT/JP2020/023994 priority Critical patent/WO2021255902A1/en
Priority to JP2021516835A priority patent/JP7078804B1/en
Publication of WO2021255902A1 publication Critical patent/WO2021255902A1/en
Priority to JP2022082660A priority patent/JP2022103393A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme

Definitions

  • the present invention relates to a digital currency conversion system for converting digital currency, a digital currency conversion method and a program.
  • Patent Document 1 a technology for automatically exchanging digital currency that can be used on a mobile terminal into the digital currency of the place of stay is disclosed (see Patent Document 1).
  • a digital currency suitable for the currency of stay can be easily used as a currency used by consumers.
  • digital currencies are also used in business-to-business transactions due to the convenience of payment.
  • the digital currency is issued by a financial institution or a company with high credit (credit card operating company, etc.) to the delivery company that outsourced the delivery, the value relative to the legal currency is stable ( Or fixed), so you can make payments faster than cash and with credit as a currency.
  • FIG. 2 conventionally, when a delivery orderer outsources a delivery business to a delivery company, when the delivery by the delivery company is completed, the payment of the delivery business is made by the bank at the end of the following month of the delivery completion date. It is done by transfer etc.
  • the delivery company has a time lag from the completion of delivery to the transfer to the bank, and the immediacy of payment to the delivery company is impaired.
  • the present inventor is a system in which when a delivery company receives payment in digital currency, it is more advantageous for the delivery company to hold the digital currency than to convert it into cash (legal tender such as yen or US dollar).
  • cash legal tender such as yen or US dollar.
  • the present invention provides the following solutions.
  • the present invention is a digital currency exchange system for exchanging digital currencies.
  • the issuer that issues digital currency for payment from the delivery orderer to the delivery company, A transfer unit that transfers the issued digital currency to the delivery company's account, A reception unit that accepts cashing instructions for cashing the digital currency from the delivery company, If a cashing instruction is received from the delivery company before the lapse of a predetermined period, a predetermined discount rate is applied to the predetermined cashing rate to convert the digital currency into the first cashing unit. If the delivery company does not receive a cashing instruction before the lapse of a predetermined period, the delivery company is provided with a second cashing unit for cashing the digital currency based on a predetermined cashing rate after the lapse of the predetermined period. It provides a digital currency exchange system characterized by this.
  • the digital currency exchange system issues digital currency for payment from the delivery orderer to the delivery company, and transfers the issued digital currency to the delivery company's account. Then, if the delivery company accepts the conversion instruction to convert the digital currency and receives the conversion instruction from the delivery company before the lapse of the predetermined period, the predetermined discount rate is applied to the predetermined conversion rate. , Redeem the digital currency. On the other hand, if the delivery company does not receive a cashing instruction before the lapse of the predetermined period, the digital currency is cashed based on the predetermined cashing rate after the lapse of the predetermined period.
  • the present invention is in the category of systems, but in other categories such as computers, methods and programs, the same actions and effects are exhibited according to the categories.
  • a digital currency exchange system a digital currency exchange method and a program, which are beneficial to digital currency holders by quickly paying a delivery company in digital currency and holding the digital currency for a certain period of time, are provided. It becomes possible to do.
  • FIG. 1 is a diagram showing an outline of the digital currency exchange system 1.
  • FIG. 2 is a conceptual diagram for explaining payment in digital currency.
  • FIG. 3 is an overall configuration diagram of the digital currency exchange system 1.
  • FIG. 4 is a diagram showing a flowchart of a transfer process executed by the computer 10.
  • FIG. 5 is a diagram showing a flowchart of a period / discount rate notification process executed by the computer 10.
  • FIG. 6 is a diagram showing a flowchart of an automatic cashing process executed by the computer 10.
  • FIG. 7 is a diagram showing a flowchart of a manual cashing process executed by the computer 10.
  • FIG. 8 is a diagram schematically showing the transition of the discount rate.
  • FIG. 9 is a diagram schematically showing the transition of the discount rate.
  • FIG. 10 is a diagram schematically showing the transition of the discount rate.
  • FIG. 1 is a diagram for explaining an outline of a digital currency cashing system 1 which is a preferred embodiment of the present invention.
  • the digital currency exchange system 1 is driven by a computer 10 managed by a financial institution (for example, a government-affiliated financial institution, a bank, a city bank, a local bank, an insurance company, a non-bank, a credit card operating company, etc.) (hereinafter, a financial institution). It is a computer system that can be configured to convert digital currencies.
  • a financial institution for example, a government-affiliated financial institution, a bank, a city bank, a local bank, an insurance company, a non-bank, a credit card operating company, etc.
  • the digital currency exchange system 1 includes a delivery orderer terminal managed by a delivery orderer, a delivery company terminal managed by a delivery company, a subcontractor delivery company terminal managed by a subcontractor delivery company further entrusted by the delivery company, and other terminals. Terminals, devices, etc. may be included.
  • the digital currency cashing system 1 is composed of the computer 10 and any one or a plurality of combinations of the above-mentioned terminals and devices for the processing described later.
  • the computer 10 is a computer having a server function, a personal computer, or the like, and has data with the above-mentioned delivery orderer terminal, delivery company terminal, subcontractor delivery company terminal, other terminals, devices, etc., via a public network or the like. It is connected to be communicable and performs necessary data transmission / reception and various processing.
  • the computer 10 may be realized by, for example, one computer, or may be realized by a plurality of computers such as a cloud computer.
  • the term "cloud computer” as used herein includes a computer that uses an arbitrary computer in a scalable manner when performing a specific function, and a plurality of functional modules for realizing a certain system, and the functions are freely combined and used. Any of them may be used.
  • the computer 10 is provided with a CPU (Central Processing Unit), GPU (Graphics Processing Unit), RAM (Random Access Memory), ROM (Read Only Memory), etc. as a control unit, and is used as a communication unit with other terminals and devices.
  • a device for enabling communication for example, a Wi-Fi (Wi-Filess-Fidelity) compatible device compliant with IEEE802.11 and the like is provided.
  • the computer 10 includes a data storage unit such as a hard disk, a semiconductor memory, a recording medium, and a memory card as a recording unit. Further, the computer 10 includes various devices and the like that execute various processes as a processing unit.
  • the control unit reads a predetermined program, and in cooperation with the communication unit, the issuance request acquisition module 20, the delivery completion notification acquisition module 21, the transfer request acquisition module 22, and the notification.
  • the module 23 and the cashing instruction receiving module 24 are realized.
  • the control unit reads a predetermined program and cooperates with the recording unit to realize the recording module 30.
  • the control unit reads a predetermined program, and in cooperation with the processing unit, the digital currency issuing module 40, the first transfer information specifying module 41, the transfer module 42, the period determination module 44, and the discount.
  • the rate setting module 45, the discount transition information specific module 46, the period determination module 47, the first cash module 48, and the second cash module 49 are realized.
  • Computer 10 issues digital currency for payment from the delivery orderer to the delivery company.
  • a digital currency is a currency that can be used digitally and can be exchanged for legal tender.
  • it may be a cryptocurrency, a crypto asset, electronic money, or a token.
  • the computer 10 issues a digital currency based on a request for issuing a digital currency from a delivery orderer.
  • the delivery orderer terminal accepts the input of the issuance request from the delivery orderer.
  • This issuance request may include, for example, data of a delivery orderer's identifier, a digital currency type, a digital currency issuance amount, a delivery company's identifier, and a delivery company's transfer destination information (deposit type, account number, name). ..
  • the computer 10 issues a digital currency based on this issuance request.
  • the computer 10 transfers the issued digital currency to the account of the delivery company.
  • the computer 10 transfers the digital currency for which the issuance request has been made to the delivery company's account by acquiring the delivery completion notification from the delivery company.
  • the delivery company terminal sends a delivery completion notification to the computer 10.
  • the computer 10 obtains the delivery completion notification from the delivery company. Based on this delivery completion notification, the computer 10 transfers the issued digital currency to the delivery company's account.
  • the computer 10 receives a cashing instruction for cashing the digital currency from the delivery company.
  • the computer 10 receives a cashing instruction for cashing a digital currency from a delivery company terminal.
  • the delivery company terminal accepts the input of the cashing instruction.
  • the delivery company terminal transmits this cashing instruction to the computer 10.
  • the computer 10 Upon receiving this cashing instruction, the computer 10 receives a cashing instruction for cashing the digital currency from the delivery company.
  • the computer 10 If the computer 10 receives this conversion instruction before the lapse of a predetermined period, the computer 10 applies a predetermined discount rate to a predetermined conversion rate (for example, equivalent 100%) to convert the transferred digital currency into cash. do.
  • the predetermined period is a preset period.
  • the computer 10 cashes the digital currency based on a predetermined discount rate at the timing when the cashing instruction is received.
  • the computer 10 converts this digital currency into cash based on the conversion rate at which no discount is given after the lapse of a predetermined period.
  • the computer 10 may automatically convert the digital currency after the elapse of the predetermined period, or may exchange the digital currency at the timing when the exchange instruction is received after the elapse of the predetermined period.
  • cashing means cashing, but even for assets with a fixed exchange ratio to cash, it can be read and applied as "cash" described in this embodiment.
  • the computer 10 can also be configured to notify the delivery company of this predetermined period.
  • the computer 10 transmits this predetermined period to the delivery company terminal.
  • the delivery company terminal receives this predetermined period and notifies the delivery company of the predetermined period by displaying it on its own display unit or emitting a sound from the voice unit. As a result, the computer 10 notifies the delivery company of this predetermined period.
  • Computer 10 issues digital currency for payment from the delivery orderer to the delivery company (step S01). That is, the computer 10 issues the digital currency based on the digital currency issuance request acquired from the delivery orderer who has entrusted the delivery to the delivery company.
  • the issuance request is as described above.
  • Computer 10 transfers the issued digital currency to the account of the delivery company (step S02).
  • the computer 10 transfers the issued digital currency to the account of the delivery company by acquiring the delivery completion notification from the delivery company terminal.
  • the computer 10 receives a cashing instruction for cashing the digital currency (to cash) from the delivery company (step S03). That is, the computer 10 receives a cashing instruction from the delivery company terminal.
  • the computer 10 When the computer 10 receives a cashing instruction before the lapse of a predetermined period, the computer 10 applies a predetermined discount rate to the predetermined cashing rate and cashes the transferred digital currency (step S04).
  • the computer 10 converts the transferred digital currency into cash based on a predetermined conversion rate (step S05).
  • the predetermined conversion rate may be 100%, which is equivalent, but when the discount rate does not become 0 at the end of the predetermined period as in the "minimum discount rate" described later.
  • the predetermined conversion rate may be a value obtained by subtracting the minimum discount rate from the equivalent 100%.
  • FIG. 4 is a diagram showing a flowchart of a transfer process executed by the computer 10. The process executed by each of the above-mentioned modules will be described together with this process.
  • This transfer process is the details of the above-mentioned digital currency issuance process (step S01) and digital currency transfer process (step S02).
  • the issuance request acquisition module 20 acquires an issuance request requesting issuance of digital currency for payment to the delivery company from the delivery orderer (step S10). That is, the delivery orderer terminal accepts the input of the issuance request. The delivery orderer terminal transmits the received issuance request to the computer 10. The issuance request acquisition module 20 acquires an issuance request from the delivery orderer by receiving this issuance request.
  • the digital currency issuance module 40 issues digital currency based on this issuance request (step S11).
  • the digital currency issuing module 40 issues the digital currency based on the type of the digital currency and the issuance amount of the digital currency in the acquired issuance request.
  • the recording module 30 records the acquired issuance request and the issued digital currency as transfer information (step S12).
  • the recording module 30 records the issuance request, the digital currency, the issue date, and the like as transfer information in association with each other.
  • the delivery completion notification acquisition module 21 acquires a delivery completion notification from the delivery company (step S13).
  • the delivery completion notification is a notification indicating that the delivery company has completed delivery of the delivery, and is associated with the delivery company's identifier.
  • the first transfer information specifying module 41 identifies the digital currency to be transferred to the account and the account of the delivery company to be the transfer destination based on the acquired delivery completion notification (step S14).
  • the first transfer information specifying module 41 specifies an account to transfer digital currency from the transfer information recorded by the process of step S12 described above. Further, the first transfer information specifying module 41 may specify the digital currency to be transferred to the account based on the digital currency in the specified transfer information.
  • the transfer module 42 transfers the digital currency to the account of the specified delivery company (step S15).
  • the digital currency transferred to the delivery company will be explained, but the delivery company of the digital currency to be redeemed is not only the primary contract delivery company directly contracted from the dividend orderer, but also the grandchild delivery company.
  • N subcontractor delivery company (n ⁇ 3) is included. That is, the digital currency exchange system 1 may exchange the digital currency transferred by each of the subcontractor delivery company, the nth subcontractor delivery company, and the like.
  • the digital currency exchange system 1 performs the exchange process described with reference to FIGS. 6 and 7 with respect to the digital currency transferred by the above-mentioned transfer process.
  • FIG. 5 is a diagram showing a flowchart of a period / discount rate notification process executed by the computer 10.
  • the period determination module 44 determines the period to which the discount rate is applied as a predetermined period when the delivery company converts the digital currency (step S30). In step S30, the period determination module 44 determines the start timing and the end timing of the predetermined period, respectively.
  • the period determination module 44 sets either the time when the digital currency is issued by the process of step S11 described above or the time when the digital currency is transferred to the account by the process of step S15 described above for the predetermined period. It may be determined as the start timing.
  • the period determination module 44 may determine a preset fixed period (for example, the end of the following month or the end of the following month when the delivery notification is obtained) as the end timing of the predetermined period. That is, in this case, the predetermined period may be a fixed period preset by the financial institution or the delivery company.
  • the end timing of the predetermined period may be the time when the delivery orderer transfers cash or the like to the delivery company's account. That is, the computer 10 notifies that the delivery orderer has made a payment from the delivery orderer terminal, or that the delivery orderer terminal, the ATM, the bank counter, etc. have paid for the consignment work of the delivery company. When it is received, it may be the end timing of the predetermined period.
  • the period determination module 44 may determine this predetermined period by referring to the contract data (recorded in the recording unit in advance) previously agreed between the financial institution and the delivery company. That is, the period determination module 44 determines the start timing and end timing of this predetermined period set in the contract data as the start timing and end timing of the predetermined period.
  • the discount rate setting module 45 sets a predetermined discount rate in the determined predetermined period (step S31).
  • the discount rate may be a fixed value preset by the financial institution within a predetermined period, or may be a function of time as described later.
  • the discount rate may be set according to the credit data of the delivery orderer.
  • the credit data is data indicating the creditworthiness of the computer 10 for trusting the payment from the delivery orderer, and is predetermined based on the savings amount of the delivery orderer's account, past deposit / withdrawal data, and the like.
  • the computer 10 may set the discount rate of the delivery company entrusted by the delivery orderer based on the credit data. That is, the discount rate may be set in comparison with the credit data of other delivery orderers.
  • FIG. 8 is a diagram schematically showing the transition of the cash amount when the discount rate is a fixed value. It is a graph in which the vertical axis is the amount of money (yen) to be redeemed and the horizontal axis is time.
  • the amount of money indicated by the line segment 150 is converted into cash, and after the predetermined period elapses (point 160 or later), a predetermined conversion rate (in the case of FIG. 8) is obtained. Is converted (in cash) for the amount of money equivalent to 100%).
  • the delivery company will be converted into cash at a predetermined conversion rate without applying the discount if it is converted into cash after the specified period, so there is an incentive to keep the digital currency until the specified period.
  • the delivery company will be converted into cash at a predetermined conversion rate without applying the discount if it is converted into cash after the specified period, so there is an incentive to keep the digital currency until the specified period.
  • the discount rate is not a fixed value but a function of time, and may decrease (the amount to be redeemed increases) with the passage of time, for example. That is, as shown in FIG. 9, the discount rate decreases with the passage of time, so that the delivery company has an incentive to keep the digital currency as conscious as possible for a long time. For example, as will be described later, when the delivery company is notified when the discount rate is changed, the delivery company can utilize the digital currency and cash in consideration of the balance of expenditure.
  • the discount rate may not be set to 0 at the end of the predetermined period (point 220), and a certain discount amount may be set as the minimum discount rate.
  • the financial institution can obtain the discount amount calculated at the minimum discount rate at the end of the predetermined period. That is, in this case, the "predetermined conversion rate" after the end of the predetermined period is not equivalent, but is a value obtained by subtracting the minimum discount rate from the equivalent 100%.
  • a fixed period (first period, second period) within a predetermined period may be a fixed value, and the remaining period (third period) may be a function of time.
  • step S32 the recording module 30 has a predetermined period determined by the process of step S30 described above, a discount rate set by the process of step S31 described above, a delivery company identifier, a delivery company account, and digital.
  • the type of currency, the amount issued, the predetermined conversion rate, etc. are associated and recorded as discount transition information.
  • the notification module 23 notifies the delivery company of the predetermined period and the discount rate in step S33. That is, the notification module 23 transmits this notification to the delivery company terminal, and the delivery company terminal receives this notification and displays it on its own display unit or outputs it from the voice unit. As shown in the graphs of FIGS. 8 to 10 described above, the data that visualizes the predetermined period and the discount rate, the data that displays the predetermined period and the discount rate on a date such as a calendar, and the predetermined period and the discount rate are written as characters. The delivery company may be notified of the data displayed by the or symbol.
  • the notification module 23 may notify the delivery company of the changed discount rate each time the discount rate is changed with the passage of time. That is, the notification module 32 transmits to the delivery company terminal each time the changed discount rate is changed.
  • notification may be given periodically, for example, every hour, every day, every week, or the like.
  • FIG. 6 is a diagram showing a flowchart of an automatic cashing process executed by the computer 10.
  • the period determination module 47 refers to the discount transition information recorded for each delivery company, and determines whether or not the predetermined period determined for each delivery company has passed (step S40). Then, when the period determination module 47 determines that the predetermined period has passed (step S40 YES), the second cash module 49 automatically transfers the transferred digital currency based on the predetermined cash rate. Cash in (step S44).
  • the predetermined conversion rate may be an equivalent (100%) or a conversion rate in consideration of the minimum discount rate, and is a conversion rate preset based on the above-mentioned contract data. You can do it.
  • step S40 NO the cashing instruction receiving module 24 receives a cashing instruction for cashing the digital currency from the delivery company (step S41).
  • step S41 the cashing instruction receiving module 24 receives the cashing instruction from the delivery company terminal.
  • the cashing instruction receiving module 24 receives the delivery company's identifier from the delivery company terminal, and the discount transition information specifying module 46 receives the cashing company's identifier from this identifier.
  • the discount transition information of this delivery company is specified (step S42).
  • the discount transition information includes a predetermined period, a discount rate (a function of time instead of a fixed value as described above), a carrier identifier, a carrier account, a type of digital currency and an issue amount, and in advance. It is the data associated with the specified conversion rate and the like.
  • the first cashing module 48 refers to the specified discount transition information, and transfers the transferred digital currency based on the cashing rate obtained by applying a predetermined discount rate to a predetermined cashing rate (for example, equivalent 100%). Cashing (Step S43) As a result, the first cashing module 48 applies a predetermined discount rate to the predetermined cashing rate to cash the digital currency.
  • step S40 if the cashing instruction is not an instruction to redeem the entire amount of the digital currency held by the delivery company but an instruction to redeem a part of the digital currency, this process is executed from step S40 for the remaining digital currency. It's okay. In this case, if there is a balance when the predetermined period elapses, as a result, the balance is automatically converted into cash by the process of step S44.
  • FIG. 7 is a diagram showing a flowchart of a manual cashing process executed by the computer 10.
  • the difference between this process and the above-mentioned automatic cashing process is that in the automatic cashing process, the cashing process is automatically performed with the lapse of a predetermined period, and in the manual cashing process, a cashing instruction is given regardless of the lapse of the predetermined period. By receiving it, cash processing will be performed.
  • the cashing instruction receiving module 24 receives a cashing instruction for cashing digital currency from a delivery company (step S50). In step S50, the cashing instruction receiving module 24 receives the cashing instruction from the delivery company terminal.
  • the cashing instruction receiving module 24 receives the delivery company's identifier from the delivery company terminal, and the discount transition information specifying module 46 receives the delivery company's identifier from this identifier.
  • the discount transition information is specified (step S51).
  • the period determination module 47 refers to the specified discount transition information and determines whether or not the timing of receiving the cashing instruction is before the elapse of the predetermined period (step S52).
  • step S52 when the period determination module 47 determines that the timing of receiving the cashing instruction is before the elapse of the predetermined period (step S52 YES), the first cashing module 48 has a predetermined cashing rate (for example,). , Equivalent 100%) is applied with a predetermined discount rate, and the transferred digital currency is converted into cash (step S53). As a result, the first conversion module 48 has a predetermined conversion rate. On the other hand, a predetermined discount rate is applied to convert the digital currency into cash.
  • a predetermined cashing rate for example, Equivalent 100%
  • step S52 when the period determination module 47 determines that the timing of receiving the cashing instruction is after the elapse of the predetermined period (step S52 NO), that is, the timing of receiving the cashing instruction is the predetermined period. If it is later than the end timing, the second cashing module 49 cashes the transferred digital currency based on a predetermined cashing rate (step S54).
  • the predetermined conversion rate may be an equivalent (100%) or a conversion rate in consideration of the minimum discount rate, as described above, and may be a conversion rate preset based on the above-mentioned contract data. It may be there.
  • the digital currency exchange system 1 provides a discount rate for exchange for a predetermined period, so that the delivery company holds the digital currency for a certain period of time, the amount of money to be exchanged is higher. Therefore, the delivery company does not immediately convert the digital currency into cash, but has an incentive to hold it for a predetermined period of time, and can utilize the digital currency and cash in consideration of the balance of expenditure.
  • the delivery company firstly, even if the digital currency is distributed as it is, the above-mentioned predetermined period, the predetermined conversion rate and the discount rate are managed, so that the equivalent cashing (cashing) is finally achieved. (When the rates are equivalent) is possible, and there is no danger of the digital currency crashing extremely.
  • the delivery company terminal can receive and output information such as the above-mentioned predetermined period, predetermined cash rate, and discount rate, so that reliability can be guaranteed.
  • the transfer is made in digital currency immediately after the delivery company completes the delivery, the liquidity is improved.
  • the number of delivery companies that hold digital currencies will increase, and as a result, opportunities to circulate in digital currencies will increase.
  • the delivery company it is possible for the delivery company to hold the funds as a digital currency for a certain period of time, and even if cash is exchanged, the financial institution will apply the discount rate and pay the prescribed cost during that period. You can get it.
  • the above-mentioned means and functions are realized by a computer (including a CPU, an information processing device, and various terminals) reading and executing a predetermined program.
  • the program may be provided, for example, in the form of being provided from a computer via a network (Software as a Service) or in a cloud service. Further, the program is provided in a form recorded on a computer-readable recording medium such as a CD (CD-ROM or the like) or a DVD (DVD-ROM, DVD-RAM or the like).
  • the computer reads the program from the recording medium, transfers it to an internal recording device or an external recording device, records the program, and executes the program. Further, the program may be recorded in advance on a recording device (recording medium) such as a magnetic disk, an optical disk, or a magneto-optical disk, and the program may be provided from the recording device to a computer via a communication line.
  • a digital currency exchange system that converts digital currency.
  • the issuer that issues digital currency for payment from the delivery orderer to the delivery company,
  • a transfer unit that transfers the issued digital currency to the delivery company's account,
  • a reception unit that accepts cashing instructions for cashing the digital currency from the delivery company, If a cashing instruction is received from the delivery company before the lapse of a predetermined period, a predetermined discount rate is applied to the predetermined cashing rate to convert the digital currency into the first cashing unit. If the delivery company does not receive a cashing instruction before the lapse of the predetermined period, after the lapse of the predetermined period, the second cashing unit for cashing the digital currency based on the predetermined cashing rate, and A digital currency exchange system characterized by being equipped with.
  • a digital currency exchange system that converts digital currency.
  • the issuer that issues digital currency for payment from the delivery orderer to the delivery company, A transfer unit that transfers the issued digital currency to the delivery company's account, A reception unit that accepts cashing instructions for cashing the digital currency from the delivery company, If a cashing instruction is received from the delivery company before the lapse of a predetermined period, a predetermined discount rate is applied to the predetermined cashing rate to convert the digital currency into the first cashing unit. After the lapse of a predetermined period, when a cashing instruction is received from the delivery company, a second cashing unit that cashes the digital currency based on a predetermined cashing rate, and A digital currency exchange system characterized by being equipped with.
  • a digital currency exchange method executed by a digital currency exchange system for exchanging digital currency Steps to issue digital currency for payment from the delivery orderer to the delivery company, The step of transferring the issued digital currency to the delivery company's account, A step of receiving a cashing instruction for cashing the digital currency from the delivery company, If a cashing instruction is received from the delivery company before the lapse of a predetermined period, a predetermined discount rate is applied to the predetermined cashing rate to redeem the digital currency. If the delivery company does not receive a cashing instruction before the lapse of the predetermined period, the step of redeeming the digital currency based on the predetermined conversion rate after the lapse of the predetermined period, and A digital currency conversion method characterized by being equipped with.
  • Converting digital currency This is a digital currency exchange method executed by the digital currency exchange system. Steps to issue digital currency for payment from the delivery orderer to the delivery company, The step of transferring the issued digital currency to the delivery company's account, A step of receiving a cashing instruction for cashing the digital currency from the delivery company, If a cashing instruction is received from the delivery company before the lapse of a predetermined period, a predetermined discount rate is applied to the predetermined cashing rate to redeem the digital currency. After the lapse of a predetermined period, when a cashing instruction is received from the delivery company, a step of cashing the digital currency based on a predetermined cashing rate and a step of cashing the digital currency.
  • a digital currency conversion method characterized by being equipped with.
  • Steps to issue digital currency for payment from the delivery orderer to the delivery company The step of transferring the issued digital currency to the delivery company's account, A step of receiving a cashing instruction to redeem the digital currency from the delivery company, If a cashing instruction is received from the delivery company before the lapse of a predetermined period, a predetermined discount rate is applied to a predetermined cashing rate to redeem the digital currency. If the delivery company does not receive a cashing instruction before the lapse of a predetermined period, the step of redeeming the digital currency based on a predetermined conversion rate after the lapse of the predetermined period, A computer-readable program for running.
  • Steps to issue digital currency for payment from the delivery orderer to the delivery company The step of transferring the issued digital currency to the delivery company's account, A step of receiving a cashing instruction to redeem the digital currency from the delivery company, If a cashing instruction is received from the delivery company before the lapse of a predetermined period, a predetermined discount rate is applied to a predetermined cashing rate to redeem the digital currency. A step of redeeming the digital currency based on a predetermined cashing rate when a cashing instruction is received from the delivery company after the lapse of a predetermined period.
  • a computer-readable program for running A computer-readable program for running.

Abstract

[Problem] To provide a digital currency exchange system in which it is advantageous for a delivery company paid by a digital currency to hold the digital currency. [Solution] A digital currency exchange system 1, which exchanges a digital currency, issues a digital currency for payment from a shipper to a delivery company, transfers the issued digital currency to an account owned by the delivery company, and if a digital currency exchange instruction is received before a certain period elapses, the digital currency exchange system 1 exchanges the digital currency by applying a certain discount rate to a predetermined exchange rate, whereas after the certain period elapses, the digital currency exchange system 1 exchanges the digital currency on the basis of the predetermined exchange rate.

Description

デジタル通貨換金システム、デジタル通貨換金方法及びプログラムDigital currency conversion system, digital currency conversion method and program
　本発明は、デジタル通貨を換金するデジタル通貨換金システム、デジタル通貨換金方法及びプログラムに関する。 The present invention relates to a digital currency conversion system for converting digital currency, a digital currency conversion method and a program.
　近年、デジタルで利用可能な通貨であるデジタル通貨（例えば、暗号通貨、暗号資産、電子マネー）がネット通販、コンビニや飲食店での支払い、交通等様々な利用場面で活用されている。 In recent years, digital currencies (for example, cryptocurrencies, crypto assets, electronic money), which are currencies that can be used digitally, have been used in various usage situations such as online shopping, payment at convenience stores and restaurants, and transportation.
　デジタル通貨の利便性を高める先行技術として、例えば、携帯端末で利用可能なデジタル通貨を、滞在先のデジタル通貨に自動的に両替する技術が開示されている（特許文献１参照）。この発明によれば、滞在先の通貨に適したデジタル通貨を消費者が使用する通貨として容易に利用できる。 As a prior art that enhances the convenience of digital currency, for example, a technology for automatically exchanging digital currency that can be used on a mobile terminal into the digital currency of the place of stay is disclosed (see Patent Document 1). According to the present invention, a digital currency suitable for the currency of stay can be easily used as a currency used by consumers.
特開２００７－２６２７４号公報JP-A-2007-26274
　このように、デジタル通貨は、消費者向け取引やネット上の個人間取引では活用が促進されているが、企業間取引では、あまり活用されていない。この原因の一つとして、企業がデジタル通貨を利用する場合、現金とデジタル通貨の両方の資産管理をしなければならず、結果的に管理工数が増えることが挙げられる。 In this way, digital currencies are being promoted in consumer transactions and online personal transactions, but they are not widely used in business-to-business transactions. One of the reasons for this is that when a company uses digital currency, it has to manage both cash and digital currency assets, resulting in an increase in management man-hours.
　しかしながら、デジタル通貨は、支払いの利便性から企業間取引でも利用されることが望ましい。
　例えば、物流業界では、配送を委託した配送業者に対して、金融機関や信用が高い会社（クレジットカードの運営会社等）が発行したデジタル通貨であれば、法定通貨と相対的な価値が安定（又は固定）しているので、現金よりも迅速で、かつ、通貨として信用のある支払いを行うことができる。図２に示すように、従来、配送発注者が配送業者に対して配送業務の委託を行う場合、配送業者による配送が完了すると、その配送業務の支払いは、配送完了日の翌月末等に銀行振り込み等で行われる。このように、配送業者には配送完了から銀行へ振り込みが行われるまでにタイムラグが生じ、配送業者への支払いの即時性が損なわれている。しかし、配送業者が業務を完了するとともに、即時に、金融機関が配送業者にデジタル通貨で支払いを完了できることが望ましい。そこで金融機関から配送業者へ、配送完了後、即時にデジタル通貨による振り込みを行うことが提案されている。 However, it is desirable that digital currencies are also used in business-to-business transactions due to the convenience of payment.
For example, in the logistics industry, if the digital currency is issued by a financial institution or a company with high credit (credit card operating company, etc.) to the delivery company that outsourced the delivery, the value relative to the legal currency is stable ( Or fixed), so you can make payments faster than cash and with credit as a currency. As shown in FIG. 2, conventionally, when a delivery orderer outsources a delivery business to a delivery company, when the delivery by the delivery company is completed, the payment of the delivery business is made by the bank at the end of the following month of the delivery completion date. It is done by transfer etc. In this way, the delivery company has a time lag from the completion of delivery to the transfer to the bank, and the immediacy of payment to the delivery company is impaired. However, it is desirable for the financial institution to be able to complete the payment to the carrier in digital currency as soon as the carrier completes the business. Therefore, it has been proposed to transfer money from a financial institution to a delivery company in digital currency immediately after the delivery is completed.
　しかしこの場合、配送業者は、デジタル通貨で支払いが行われると、デジタル通貨での資産管理は、上述のように管理工数が増えるため、直ぐに換金してしまい、デジタル通貨のまま資産を保持しないという課題がある。 However, in this case, the delivery company says that when payment is made in digital currency, asset management in digital currency will increase the management manpower as described above, so it will be immediately converted into cash and will not hold the asset in digital currency. There are challenges.
　そこで、本発明者は、配送業者がデジタル通貨で支払いを受けた場合、現金（円、米国ドル等の法定通貨）に換金するよりも、デジタル通貨を保持する方が配送業者にとってメリットが高いシステムや方法が求められていることに着目した。 Therefore, the present inventor is a system in which when a delivery company receives payment in digital currency, it is more advantageous for the delivery company to hold the digital currency than to convert it into cash (legal tender such as yen or US dollar). We focused on the need for methods and methods.
　本発明は、デジタル通貨で支払いを受けた配送業者が、デジタル通貨を保持する事にメリットがあるデジタル通貨換金システム、デジタル通貨換金方法及びプログラムを提供することを目的とする。 It is an object of the present invention to provide a digital currency exchange system, a digital currency exchange method and a program in which a delivery company paid in digital currency has an advantage in holding digital currency.
　本発明では、以下のような解決手段を提供する。 The present invention provides the following solutions.
　本発明は、デジタル通貨を換金するデジタル通貨換金システムであって、
　配送発注者から配送業者への支払いのためのデジタル通貨を発行する発行部と、
　前記配送業者の口座に、発行した前記デジタル通貨を振り込む振込部と、
　前記配送業者から前記デジタル通貨を換金する換金指示を受け付ける受付部と、
　所定期間の経過前に、前記配送業者から換金指示を受けた場合には、予め定められた換金率に所定の割引率を適用して、前記デジタル通貨を換金する第１換金部と、
　前記配送業者から所定期間の経過前に換金指示を受けなかった場合には、所定期間の経過後、予め定められた換金率に基づいて、前記デジタル通貨を換金する第２換金部と、を備えることを特徴とするデジタル通貨換金システムを提供する。 The present invention is a digital currency exchange system for exchanging digital currencies.
The issuer that issues digital currency for payment from the delivery orderer to the delivery company,
A transfer unit that transfers the issued digital currency to the delivery company's account,
A reception unit that accepts cashing instructions for cashing the digital currency from the delivery company,
If a cashing instruction is received from the delivery company before the lapse of a predetermined period, a predetermined discount rate is applied to the predetermined cashing rate to convert the digital currency into the first cashing unit.
If the delivery company does not receive a cashing instruction before the lapse of a predetermined period, the delivery company is provided with a second cashing unit for cashing the digital currency based on a predetermined cashing rate after the lapse of the predetermined period. It provides a digital currency exchange system characterized by this.
　本発明によれば、デジタル通貨換金システムは、配送発注者から配送業者への支払いのためのデジタル通貨を発行し、配送業者の口座に、発行したデジタル通貨を振り込む。そして、配送業者からデジタル通貨を換金する換金指示を受け付けて、所定期間の経過前に、配送業者から換金指示を受けた場合には、予め定められた換金率に所定の割引率を適用して、前記デジタル通貨を換金する。一方、配送業者から所定期間の経過前に換金指示を受けなかった場合には、所定期間の経過後、予め定められた換金率に基づいて、デジタル通貨を換金する。 According to the present invention, the digital currency exchange system issues digital currency for payment from the delivery orderer to the delivery company, and transfers the issued digital currency to the delivery company's account. Then, if the delivery company accepts the conversion instruction to convert the digital currency and receives the conversion instruction from the delivery company before the lapse of the predetermined period, the predetermined discount rate is applied to the predetermined conversion rate. , Redeem the digital currency. On the other hand, if the delivery company does not receive a cashing instruction before the lapse of the predetermined period, the digital currency is cashed based on the predetermined cashing rate after the lapse of the predetermined period.
　本発明は、システムのカテゴリであるが、コンピュータ、方法及びプログラム等の他のカテゴリにおいても、そのカテゴリに応じた同様の作用・効果を発揮する。 The present invention is in the category of systems, but in other categories such as computers, methods and programs, the same actions and effects are exhibited according to the categories.
　本発明によれば、デジタル通貨で配送業者に支払いを迅速に行い、かつ、デジタル通貨を一定期間保持することでデジタル通貨保持者にメリットがあるデジタル通貨換金システム、デジタル通貨換金方法及びプログラムを提供することが可能となる。 INDUSTRIAL APPLICABILITY According to the present invention, a digital currency exchange system, a digital currency exchange method and a program, which are beneficial to digital currency holders by quickly paying a delivery company in digital currency and holding the digital currency for a certain period of time, are provided. It becomes possible to do.
図１は、デジタル通貨換金システム１の概要を示す図である。FIG. 1 is a diagram showing an outline of the digital currency exchange system 1. 図２は、デジタル通貨での支払いを説明するための概念図である。FIG. 2 is a conceptual diagram for explaining payment in digital currency. 図３は、デジタル通貨換金システム１の全体構成図である。FIG. 3 is an overall configuration diagram of the digital currency exchange system 1. 図４は、コンピュータ１０が実行する振込処理のフローチャートを示す図である。FIG. 4 is a diagram showing a flowchart of a transfer process executed by the computer 10. 図５は、コンピュータ１０が実行する期間・割引率通知処理のフローチャートを示す図である。FIG. 5 is a diagram showing a flowchart of a period / discount rate notification process executed by the computer 10. 図６は、コンピュータ１０が実行する自動換金処理のフローチャートを示す図である。FIG. 6 is a diagram showing a flowchart of an automatic cashing process executed by the computer 10. 図７は、コンピュータ１０が実行する手動換金処理のフローチャートを示す図である。FIG. 7 is a diagram showing a flowchart of a manual cashing process executed by the computer 10. 図８は、割引率の推移を模式的に示した図である。FIG. 8 is a diagram schematically showing the transition of the discount rate. 図９は、割引率の推移を模式的に示した図である。FIG. 9 is a diagram schematically showing the transition of the discount rate. 図１０は、割引率の推移を模式的に示した図である。FIG. 10 is a diagram schematically showing the transition of the discount rate.
　以下、本発明を実施するための最良の形態について図を参照しながら説明する。なお、これはあくまでも例であって、本発明の技術的範囲はこれに限られるものではない。 Hereinafter, the best mode for carrying out the present invention will be described with reference to the drawings. It should be noted that this is just an example, and the technical scope of the present invention is not limited to this.
　［デジタル通貨換金システム１の概要］
　本発明の好適な実施形態の概要について、図１に基づいて説明する。図１は、本発明の好適な実施形態であるデジタル通貨換金システム１の概要を説明するための図である。デジタル通貨換金システム１は、金融機関等（例えば、政府系金融機関、銀行、都市銀行、地方銀行、保険会社、ノンバンク、クレジットカードの運営会社等）（以下、金融機関）が管理するコンピュータ１０により構成されてよく、デジタル通貨を換金するコンピュータシステムである。 [Overview of Digital Currency Exchange System 1]
An outline of a preferred embodiment of the present invention will be described with reference to FIG. FIG. 1 is a diagram for explaining an outline of a digital currency cashing system 1 which is a preferred embodiment of the present invention. The digital currency exchange system 1 is driven by a computer 10 managed by a financial institution (for example, a government-affiliated financial institution, a bank, a city bank, a local bank, an insurance company, a non-bank, a credit card operating company, etc.) (hereinafter, a financial institution). It is a computer system that can be configured to convert digital currencies.
　デジタル通貨換金システム１は、配送発注者が管理する配送発注者端末、配送業者が管理する配送業者端末、配送業者がさらに委託を請けた孫請配送業者が管理する孫請配送業者端末、その他の端末や装置類等が含まれていてよい。この場合、デジタル通貨換金システム１は、後述する処理を、コンピュータ１０や上記の端末、装置の何れか又は複数の組み合わせにより構成される。 The digital currency exchange system 1 includes a delivery orderer terminal managed by a delivery orderer, a delivery company terminal managed by a delivery company, a subcontractor delivery company terminal managed by a subcontractor delivery company further entrusted by the delivery company, and other terminals. Terminals, devices, etc. may be included. In this case, the digital currency cashing system 1 is composed of the computer 10 and any one or a plurality of combinations of the above-mentioned terminals and devices for the processing described later.
　コンピュータ１０は、サーバ機能を有するコンピュータやパーソナルコンピュータ等であり、上述した配送発注者端末、配送業者端末、孫請配送業者端末、その他の端末や装置類等と、公衆回線網等を介してデータ通信可能に接続されており、必要なデータの送受信や各種処理を実行する。 The computer 10 is a computer having a server function, a personal computer, or the like, and has data with the above-mentioned delivery orderer terminal, delivery company terminal, subcontractor delivery company terminal, other terminals, devices, etc., via a public network or the like. It is connected to be communicable and performs necessary data transmission / reception and various processing.
　コンピュータ１０は、例えば、１台のコンピュータで実現されてもよいし、クラウドコンピュータのように、複数のコンピュータで実現されてもよい。本明細書におけるクラウドコンピュータとは、ある特定の機能を果たす際に、任意のコンピュータをスケーラブルに用いるものや、あるシステムを実現するために複数の機能モジュールを含み、その機能を自由に組み合わせて用いるものの何れであってもよい。 The computer 10 may be realized by, for example, one computer, or may be realized by a plurality of computers such as a cloud computer. The term "cloud computer" as used herein includes a computer that uses an arbitrary computer in a scalable manner when performing a specific function, and a plurality of functional modules for realizing a certain system, and the functions are freely combined and used. Any of them may be used.
　コンピュータ１０は、制御部として、ＣＰＵ（Ｃｅｎｔｒａｌ　Ｐｒｏｃｅｓｓｉｎｇ　Ｕｎｉｔ）、ＧＰＵ（Ｇｒａｐｈｉｃｓ　Ｐｒｏｃｅｓｓｉｎｇ　Ｕｎｉｔ）、ＲＡＭ（Ｒａｎｄｏｍ　Ａｃｃｅｓｓ　Ｍｅｍｏｒｙ）、ＲＯＭ（Ｒｅａｄ　Ｏｎｌｙ　Ｍｅｍｏｒｙ）等を備え、通信部として、他の端末や装置等と通信可能にするためのデバイス、例えば、ＩＥＥＥ８０２．１１に準拠したＷｉ―Ｆｉ（Ｗｉｒｅｌｅｓｓ―Ｆｉｄｅｌｉｔｙ）対応デバイス等を備える。また、コンピュータ１０は、記録部として、ハードディスクや半導体メモリ、記録媒体、メモリカード等によるデータのストレージ部を備える。また、コンピュータ１０は、処理部として、各種処理を実行する各種デバイス等を備える。 The computer 10 is provided with a CPU (Central Processing Unit), GPU (Graphics Processing Unit), RAM (Random Access Memory), ROM (Read Only Memory), etc. as a control unit, and is used as a communication unit with other terminals and devices. A device for enabling communication, for example, a Wi-Fi (Wi-Filess-Fidelity) compatible device compliant with IEEE802.11 and the like is provided. Further, the computer 10 includes a data storage unit such as a hard disk, a semiconductor memory, a recording medium, and a memory card as a recording unit. Further, the computer 10 includes various devices and the like that execute various processes as a processing unit.
　図３に示すように、コンピュータ１０において、制御部が所定のプログラムを読み込むことにより、通信部と協働して、発行依頼取得モジュール２０、納品完了通知取得モジュール２１、振込依頼取得モジュール２２、通知モジュール２３、換金指示受付モジュール２４を実現する。また、コンピュータ１０において、制御部が所定のプログラムを読み込むことにより、記録部と協働して、記録モジュール３０を実現する。また、コンピュータ１０において、制御部が所定のプログラムを読み込むことにより、処理部と協働して、デジタル通貨発行モジュール４０、第１振込用情報特定モジュール４１、振込モジュール４２、期間決定モジュール４４、割引率設定モジュール４５、割引推移情報特定モジュール４６、期間判断モジュール４７、第１換金モジュール４８、第２換金モジュール４９を実現する。 As shown in FIG. 3, in the computer 10, the control unit reads a predetermined program, and in cooperation with the communication unit, the issuance request acquisition module 20, the delivery completion notification acquisition module 21, the transfer request acquisition module 22, and the notification. The module 23 and the cashing instruction receiving module 24 are realized. Further, in the computer 10, the control unit reads a predetermined program and cooperates with the recording unit to realize the recording module 30. Further, in the computer 10, the control unit reads a predetermined program, and in cooperation with the processing unit, the digital currency issuing module 40, the first transfer information specifying module 41, the transfer module 42, the period determination module 44, and the discount. The rate setting module 45, the discount transition information specific module 46, the period determination module 47, the first cash module 48, and the second cash module 49 are realized.
　コンピュータ１０は、配送発注者から配送業者への支払いのためのデジタル通貨を発行する。デジタル通貨は、デジタルで利用可能な通貨であって、法定通貨と交換可能な通貨である。例えば、暗号通貨、暗号資産、電子マネー、トークンであってよい。 Computer 10 issues digital currency for payment from the delivery orderer to the delivery company. A digital currency is a currency that can be used digitally and can be exchanged for legal tender. For example, it may be a cryptocurrency, a crypto asset, electronic money, or a token.
　例えば、コンピュータ１０は、配送発注者からのデジタル通貨の発行依頼に基づいて、デジタル通貨を発行する。配送発注者端末は、発行依頼の入力を配送発注者から受け付ける。この発行依頼は、例えば、配送発注者の識別子、デジタル通貨の種類、デジタル通貨の発行額、配送業者の識別子、配送業者の振込先情報（預金種別、口座番号、名称）のデータを含んでよい。コンピュータ１０は、この発行依頼に基づいて、デジタル通貨を発行する。 For example, the computer 10 issues a digital currency based on a request for issuing a digital currency from a delivery orderer. The delivery orderer terminal accepts the input of the issuance request from the delivery orderer. This issuance request may include, for example, data of a delivery orderer's identifier, a digital currency type, a digital currency issuance amount, a delivery company's identifier, and a delivery company's transfer destination information (deposit type, account number, name). .. The computer 10 issues a digital currency based on this issuance request.
　コンピュータ１０は、配送業者の口座に、発行したデジタル通貨を振り込む。
　例えば、コンピュータ１０は、配送業者から納品完了通知を取得することにより、発行依頼が行われたデジタル通貨を、配送業者の口座に振り込む。配送業者端末は、配送依頼を受け付けた配送物の配送が完了した際、納品完了通知を、コンピュータ１０に送信する。コンピュータ１０は、この納品完了通知を受信することにより、配送業者から納品完了通知を取得する。コンピュータ１０は、この納品完了通知に基づいて、発行したデジタル通貨を、配送業者の口座に振り込む。 The computer 10 transfers the issued digital currency to the account of the delivery company.
For example, the computer 10 transfers the digital currency for which the issuance request has been made to the delivery company's account by acquiring the delivery completion notification from the delivery company. When the delivery of the delivered item for which the delivery request has been received is completed, the delivery company terminal sends a delivery completion notification to the computer 10. By receiving this delivery completion notification, the computer 10 obtains the delivery completion notification from the delivery company. Based on this delivery completion notification, the computer 10 transfers the issued digital currency to the delivery company's account.
　コンピュータ１０は、配送業者からデジタル通貨を換金する換金指示を受け付ける。
　例えば、コンピュータ１０は、配送業者端末から、デジタル通貨を換金する換金指示を受け付ける。配送業者端末は、換金指示の入力を受け付ける。配送業者端末は、この換金指示をコンピュータ１０に送信する。コンピュータ１０は、この換金指示を受信することにより、配送業者からデジタル通貨を換金する換金指示を受ける。 The computer 10 receives a cashing instruction for cashing the digital currency from the delivery company.
For example, the computer 10 receives a cashing instruction for cashing a digital currency from a delivery company terminal. The delivery company terminal accepts the input of the cashing instruction. The delivery company terminal transmits this cashing instruction to the computer 10. Upon receiving this cashing instruction, the computer 10 receives a cashing instruction for cashing the digital currency from the delivery company.
　コンピュータ１０は、所定期間の経過前に、この換金指示を受けた場合、予め定められた換金率（例えば、等価１００％）に、所定の割引率を適用して、振り込まれたデジタル通貨を換金する。所定期間は、予め設定された期間である。ここで、コンピュータ１０は、換金指示を受けたタイミングにおける所定の割引率に基づいて、デジタル通貨を換金する。 If the computer 10 receives this conversion instruction before the lapse of a predetermined period, the computer 10 applies a predetermined discount rate to a predetermined conversion rate (for example, equivalent 100%) to convert the transferred digital currency into cash. do. The predetermined period is a preset period. Here, the computer 10 cashes the digital currency based on a predetermined discount rate at the timing when the cashing instruction is received.
　一方、コンピュータ１０は、所定期間の経過後は、割引が行われない換金率に基づいて、このデジタル通貨を換金する。コンピュータ１０は、所定期間の経過後に、自動的にデジタル通貨を換金してもよいし、所定期間の経過後に、換金指示を受けたタイミングでデジタル通貨を換金してもよい。 On the other hand, the computer 10 converts this digital currency into cash based on the conversion rate at which no discount is given after the lapse of a predetermined period. The computer 10 may automatically convert the digital currency after the elapse of the predetermined period, or may exchange the digital currency at the timing when the exchange instruction is received after the elapse of the predetermined period.
　なお、本実施例において、換金は現金に換える事を意味するが、現金と交換比率が固定された資産についても、本実施例に記載した「現金」と読み替えて適用することができる。 In this embodiment, cashing means cashing, but even for assets with a fixed exchange ratio to cash, it can be read and applied as "cash" described in this embodiment.
　なお、コンピュータ１０は、この所定期間を、配送業者に通知する構成も可能である。この場合、コンピュータ１０は、この所定期間を、配送業者端末に送信する。配送業者端末は、この所定期間を受信し、自身の表示部に表示したり、音声部から放音等することにより、配送業者に所定期間を通知する。この結果、コンピュータ１０は、この所定期間を、配送業者に通知することになる。 The computer 10 can also be configured to notify the delivery company of this predetermined period. In this case, the computer 10 transmits this predetermined period to the delivery company terminal. The delivery company terminal receives this predetermined period and notifies the delivery company of the predetermined period by displaying it on its own display unit or emitting a sound from the voice unit. As a result, the computer 10 notifies the delivery company of this predetermined period.
　次に、コンピュータ１０が実行する処理の概要について、説明する。 Next, an outline of the processing executed by the computer 10 will be described.
　コンピュータ１０は、配送発注者から配送業者への支払いのためのデジタル通貨を発行する（ステップＳ０１）。すなわち、コンピュータ１０は、配送業者に配送を委託した配送発注者から取得するデジタル通貨の発行依頼に基づいて、デジタル通貨を発行する。発行依頼は、上述した通りである。 Computer 10 issues digital currency for payment from the delivery orderer to the delivery company (step S01). That is, the computer 10 issues the digital currency based on the digital currency issuance request acquired from the delivery orderer who has entrusted the delivery to the delivery company. The issuance request is as described above.
　コンピュータ１０は、配送業者の口座に、発行したデジタル通貨を振り込む（ステップＳ０２）。例えば、コンピュータ１０は、配送業者端末から納品完了通知を取得することにより、この配送業者の口座に、発行したデジタル通貨を振り込む。 Computer 10 transfers the issued digital currency to the account of the delivery company (step S02). For example, the computer 10 transfers the issued digital currency to the account of the delivery company by acquiring the delivery completion notification from the delivery company terminal.
　コンピュータ１０は、配送業者からデジタル通貨を（現金に）換金する換金指示を受け付ける（ステップＳ０３）。すなわち、コンピュータ１０は、配送業者端末から換金指示を受け付ける。 The computer 10 receives a cashing instruction for cashing the digital currency (to cash) from the delivery company (step S03). That is, the computer 10 receives a cashing instruction from the delivery company terminal.
　コンピュータ１０は、所定期間の経過前に、換金指示を受けた場合、予め定められた換金率に所定の割引率を適用して、振り込まれたデジタル通貨を換金する（ステップＳ０４）。 When the computer 10 receives a cashing instruction before the lapse of a predetermined period, the computer 10 applies a predetermined discount rate to the predetermined cashing rate and cashes the transferred digital currency (step S04).
　一方、コンピュータ１０は、所定期間の経過後に、予め定められた換金率に基づいて、振り込まれたデジタル通貨を換金する（ステップＳ０５）。なお、後述するように、予め定められた換金率は、等価である１００％であってよいが、後述する「最小割引率」のように、所定期間の終了時に、割引率が０にならない場合、予め定められた換金率が、等価１００％に最小割引率を差し引いた値であってよい。 On the other hand, after the lapse of a predetermined period, the computer 10 converts the transferred digital currency into cash based on a predetermined conversion rate (step S05). As will be described later, the predetermined conversion rate may be 100%, which is equivalent, but when the discount rate does not become 0 at the end of the predetermined period as in the "minimum discount rate" described later. , The predetermined conversion rate may be a value obtained by subtracting the minimum discount rate from the equivalent 100%.
　［デジタル通貨の振込処理］
　図４に基づいて、コンピュータ１０が実行する振込処理について説明する。図４は、コンピュータ１０が実行する振込処理のフローチャートを示す図である。上述した各モジュールが実行する処理について、本処理に併せて説明する。なお、本振込処理は、上述のデジタル通貨発行処理（ステップＳ０１）及びデジタル通貨振込処理（ステップＳ０２）の詳細である。 [Digital currency transfer processing]
The transfer process executed by the computer 10 will be described with reference to FIG. FIG. 4 is a diagram showing a flowchart of a transfer process executed by the computer 10. The process executed by each of the above-mentioned modules will be described together with this process. This transfer process is the details of the above-mentioned digital currency issuance process (step S01) and digital currency transfer process (step S02).
　発行依頼取得モジュール２０は、配送発注者から、配送業者への支払いのためのデジタル通貨の発行を依頼する発行依頼を取得する（ステップＳ１０）。すなわち、配送発注者端末は、発行依頼の入力を受け付ける。配送発注者端末は、受け付けた発行依頼を、コンピュータ１０に送信する。発行依頼取得モジュール２０は、この発行依頼を受信することにより、配送発注者から発行依頼を取得する。 The issuance request acquisition module 20 acquires an issuance request requesting issuance of digital currency for payment to the delivery company from the delivery orderer (step S10). That is, the delivery orderer terminal accepts the input of the issuance request. The delivery orderer terminal transmits the received issuance request to the computer 10. The issuance request acquisition module 20 acquires an issuance request from the delivery orderer by receiving this issuance request.
　デジタル通貨発行モジュール４０は、この発行依頼に基づいて、デジタル通貨を発行する（ステップＳ１１）。ステップＳ１１において、デジタル通貨発行モジュール４０は、取得した発行依頼におけるデジタル通貨の種類及びデジタル通貨の発行額に基づいて、デジタル通貨を発行する。 The digital currency issuance module 40 issues digital currency based on this issuance request (step S11). In step S11, the digital currency issuing module 40 issues the digital currency based on the type of the digital currency and the issuance amount of the digital currency in the acquired issuance request.
　記録モジュール３０は、取得した発行依頼及び発行したデジタル通貨を、振込用情報として記録する（ステップＳ１２）。ステップＳ１２において、記録モジュール３０は、発行依頼とデジタル通貨と発行日等を対応付けて、振込用情報として記録する。 The recording module 30 records the acquired issuance request and the issued digital currency as transfer information (step S12). In step S12, the recording module 30 records the issuance request, the digital currency, the issue date, and the like as transfer information in association with each other.
　次に、配送業者端末は、配送物の納品が完了した際、納品完了を示す内容の入力を受け付け、これを納品完了通知として、コンピュータ１０に送信する。納品完了通知取得モジュール２１は、配送業者から納品完了通知を取得する（ステップＳ１３）。納品完了通知は、配送業者が配送物の配送を完了したことを示す通知であって、配送業者の識別子と対応付けられている。 Next, when the delivery of the delivered item is completed, the delivery company terminal accepts the input of the content indicating the delivery completion and sends this to the computer 10 as the delivery completion notification. The delivery completion notification acquisition module 21 acquires a delivery completion notification from the delivery company (step S13). The delivery completion notification is a notification indicating that the delivery company has completed delivery of the delivery, and is associated with the delivery company's identifier.
　第１振込用情報特定モジュール４１は、取得した納品完了通知に基づいて、口座に振り込むデジタル通貨及び振込先となる配送業者の口座を特定する（ステップＳ１４）。ステップＳ１４において、第１振込用情報特定モジュール４１は、上述したステップＳ１２の処理により記録した振込用情報から、デジタル通貨を振り込む口座を特定する。また、第１振込用情報特定モジュール４１は、特定した振込用情報におけるデジタル通貨に基づいて、口座に振り込むデジタル通貨を特定してもよい。次に、振込モジュール４２は、特定した配送業者の口座にデジタル通貨を振り込む（ステップＳ１５）。 The first transfer information specifying module 41 identifies the digital currency to be transferred to the account and the account of the delivery company to be the transfer destination based on the acquired delivery completion notification (step S14). In step S14, the first transfer information specifying module 41 specifies an account to transfer digital currency from the transfer information recorded by the process of step S12 described above. Further, the first transfer information specifying module 41 may specify the digital currency to be transferred to the account based on the digital currency in the specified transfer information. Next, the transfer module 42 transfers the digital currency to the account of the specified delivery company (step S15).
　以下の説明では、配送業者に振り込まれたデジタル通貨について説明するが、換金されるデジタル通貨の配送業者は、配当発注者からの直接請けた１次請けの配送業者のみならず、孫請配送業者、ｎ次請の配送業者（ｎ≧３）を含む。すなわち、デジタル通貨換金システム１は、孫請配送業者、ｎ次請の配送業者等、各々が振込まれたデジタル通貨の換金を行ってよい。 In the following explanation, the digital currency transferred to the delivery company will be explained, but the delivery company of the digital currency to be redeemed is not only the primary contract delivery company directly contracted from the dividend orderer, but also the grandchild delivery company. , N subcontractor delivery company (n ≧ 3) is included. That is, the digital currency exchange system 1 may exchange the digital currency transferred by each of the subcontractor delivery company, the nth subcontractor delivery company, and the like.
　デジタル通貨換金システム１は、上述した振込処理により振り込まれたデジタル通貨に対して、図６及び図７で説明する換金処理を行う。 The digital currency exchange system 1 performs the exchange process described with reference to FIGS. 6 and 7 with respect to the digital currency transferred by the above-mentioned transfer process.
　［期間・割引率通知処理］
　図５に基づいて、コンピュータ１０が実行する期間・割引率通知処理について説明する。図５は、コンピュータ１０が実行する期間・割引率通知処理のフローチャートを示す図である。 [Period / discount rate notification processing]
A period / discount rate notification process executed by the computer 10 will be described with reference to FIG. FIG. 5 is a diagram showing a flowchart of a period / discount rate notification process executed by the computer 10.
　振込処理が行われた後に、期間決定モジュール４４は、配送業者がデジタル通貨を換金する際に、割引率が適応される期間を所定期間として決定する（ステップＳ３０）。ステップＳ３０において、期間決定モジュール４４は、この所定期間の開始タイミング及び終了タイミングを其々決定する。 After the transfer process is performed, the period determination module 44 determines the period to which the discount rate is applied as a predetermined period when the delivery company converts the digital currency (step S30). In step S30, the period determination module 44 determines the start timing and the end timing of the predetermined period, respectively.
　所定期間の開始タイミングについては、期間決定モジュール４４は、上述したステップＳ１１の処理によるデジタル通貨の発行時、又は上述したステップＳ１５の処理によるデジタル通貨の口座への振込時の何れかを所定期間の開始タイミングとして決定してよい。 Regarding the start timing of the predetermined period, the period determination module 44 sets either the time when the digital currency is issued by the process of step S11 described above or the time when the digital currency is transferred to the account by the process of step S15 described above for the predetermined period. It may be determined as the start timing.
　所定期間の終了タイミングについては、期間決定モジュール４４は、予め設定された固定期間（例えば、納品通知取得時の翌月末や翌々月末等）を、所定期間の終了タイミングとして決定してよい。すなわち、この場合、所定期間は、金融機関や配送業者が予め設定した固定期間であってよい。 Regarding the end timing of the predetermined period, the period determination module 44 may determine a preset fixed period (for example, the end of the following month or the end of the following month when the delivery notification is obtained) as the end timing of the predetermined period. That is, in this case, the predetermined period may be a fixed period preset by the financial institution or the delivery company.
　なお、所定期間の終了タイミングは、配送発注者が、配送業者の口座に対して現金等を振り込んだ振込時としてもよい。すなわち、コンピュータ１０が、配送発注者が配送発注者端末から支払処理が行われた場合や、配送発注者端末や、ＡＴＭ、銀行窓口等で当該配送業者の委託業務の支払いがあったことの通知を受けた場合に、所定期間の終了タイミングとしてよい。 The end timing of the predetermined period may be the time when the delivery orderer transfers cash or the like to the delivery company's account. That is, the computer 10 notifies that the delivery orderer has made a payment from the delivery orderer terminal, or that the delivery orderer terminal, the ATM, the bank counter, etc. have paid for the consignment work of the delivery company. When it is received, it may be the end timing of the predetermined period.
　加えて、期間決定モジュール４４が、金融機関と配送業者が予め取り決めた契約データ（予め記録部に記録されている）を参照し、この所定期間を決定してもよい。すなわち、期間決定モジュール４４は、契約データにおいて設定された、この所定期間の開始タイミング及び終了タイミングを、所定期間の開始タイミング及び終了タイミングとして決定する。 In addition, the period determination module 44 may determine this predetermined period by referring to the contract data (recorded in the recording unit in advance) previously agreed between the financial institution and the delivery company. That is, the period determination module 44 determines the start timing and end timing of this predetermined period set in the contract data as the start timing and end timing of the predetermined period.
　割引率設定モジュール４５は、決定した所定期間における所定の割引率を設定する（ステップＳ３１）。ステップＳ３１において、割引率は、所定期間内で金融機関が予め設定した固定値であってもよいし、後述するように時間の関数でもよい。 The discount rate setting module 45 sets a predetermined discount rate in the determined predetermined period (step S31). In step S31, the discount rate may be a fixed value preset by the financial institution within a predetermined period, or may be a function of time as described later.
　なお、配送発注者の信用データに応じて、割引率が設定されてもよい。信用データは、コンピュータ１０が配送発注者からの支払いを信用する信用度を示すデータであって、配送発注者の口座の貯蓄額や過去の入出金データ等に基づいて予め定められる。コンピュータ１０は、信用データに基づいて、この配送発注者から委託を受けた配送業者の割引率を設定してよい。すなわち、他の配送発注者の信用データと比較して割引率を設定してもよい。 Note that the discount rate may be set according to the credit data of the delivery orderer. The credit data is data indicating the creditworthiness of the computer 10 for trusting the payment from the delivery orderer, and is predetermined based on the savings amount of the delivery orderer's account, past deposit / withdrawal data, and the like. The computer 10 may set the discount rate of the delivery company entrusted by the delivery orderer based on the credit data. That is, the discount rate may be set in comparison with the credit data of other delivery orderers.
　図８から図１０を参照して、割引率が固定値である場合（図８）、割引率が時間の関数である場合（図９、図１０）について説明する。
　図８は、割引率が固定値の場合に、換金金額の推移を模式的に示した図である。縦軸を換金される金額（円）、横軸を時間とするグラフである。図８において、所定期間中（点１３０から点１４０まで）は、線分１５０に示される金額で換金され、所定期間経過後（点１６０以降）は、予め定められた換金率（図８の場合は等価１００％）での金額で（現金に）換金される。割引額は、この線分１５０から点１６０までの金額で、割引額＝予め定めされた換金金額と割引率の積である。 A case where the discount rate is a fixed value (FIG. 8) and a case where the discount rate is a function of time (FIGS. 9 and 10) will be described with reference to FIGS. 8 to 10.
FIG. 8 is a diagram schematically showing the transition of the cash amount when the discount rate is a fixed value. It is a graph in which the vertical axis is the amount of money (yen) to be redeemed and the horizontal axis is time. In FIG. 8, during the predetermined period (from point 130 to point 140), the amount of money indicated by the line segment 150 is converted into cash, and after the predetermined period elapses (point 160 or later), a predetermined conversion rate (in the case of FIG. 8) is obtained. Is converted (in cash) for the amount of money equivalent to 100%). The discount amount is the amount from the line segment 150 to the point 160, and the discount amount = the product of the predetermined cash amount and the discount rate.
　この場合、配送業者は所定期間を経過してから換金した方が、割引が適用されずに、予め定められた換金率で現金に換金されるため、デジタル通貨を所定期間まで保持しようとするインセンティブが働く。 In this case, the delivery company will be converted into cash at a predetermined conversion rate without applying the discount if it is converted into cash after the specified period, so there is an incentive to keep the digital currency until the specified period. Works.
　図９に示すように、割引率は、固定値ではなく、時間の関数であって、例えば、時間経過に従って減少（換金される額は増加）してもよい。すなわち、図９に示すように、時間の経過に応じて割引率が減少することで、デジタル通貨をできるだけ意識して長く保持するインセンティブが配送業者に働く。例えば、後述するように、割引率が変更されると配送業者に通知が行われる場合は、配送業者にとっては、デジタル通貨と現金の支出バランスを意識した利活用をすることが可能となる。 As shown in FIG. 9, the discount rate is not a fixed value but a function of time, and may decrease (the amount to be redeemed increases) with the passage of time, for example. That is, as shown in FIG. 9, the discount rate decreases with the passage of time, so that the delivery company has an incentive to keep the digital currency as conscious as possible for a long time. For example, as will be described later, when the delivery company is notified when the discount rate is changed, the delivery company can utilize the digital currency and cash in consideration of the balance of expenditure.
　なお、所定期間の終了時（点２２０）に割引率を０とせず、最小割引率として一定の割引額を設定してもよい。この場合は、金融機関は所定期間の終了時に、最小割引率で算出される割引額を取得できる。すなわち、この場合、所定期間の終了時以降の「予め定められた換金率」が、等価ではなく、等価である１００％に最小割引率分を差し引いた値となる。なお、図１０に示すように、所定期間内の一定期間（第１期間、第２期間）が固定値で、残りの期間（第３期間）が時間の関数であってもよい。 Note that the discount rate may not be set to 0 at the end of the predetermined period (point 220), and a certain discount amount may be set as the minimum discount rate. In this case, the financial institution can obtain the discount amount calculated at the minimum discount rate at the end of the predetermined period. That is, in this case, the "predetermined conversion rate" after the end of the predetermined period is not equivalent, but is a value obtained by subtracting the minimum discount rate from the equivalent 100%. As shown in FIG. 10, a fixed period (first period, second period) within a predetermined period may be a fixed value, and the remaining period (third period) may be a function of time.
　図５に戻って、期間・割引率通知処理について説明する。
　ステップＳ３１の次に、記録モジュール３０は、ステップＳ３２において、上述したステップＳ３０の処理により決定した所定期間、上述したステップＳ３１の処理により設定した割引率、配送業者の識別子、配送業者の口座、デジタル通貨の種類及び発行額、予め定められた換金率等を対応付けて割引推移情報として記録する。 Returning to FIG. 5, the period / discount rate notification process will be described.
Following step S31, in step S32, the recording module 30 has a predetermined period determined by the process of step S30 described above, a discount rate set by the process of step S31 described above, a delivery company identifier, a delivery company account, and digital. The type of currency, the amount issued, the predetermined conversion rate, etc. are associated and recorded as discount transition information.
　次に、通知モジュール２３は、ステップＳ３３において、所定期間及び割引率を配送業者に通知する。すなわち、通知モジュール２３は、この通知を、配送業者端末に送信し、配送業者端末は、この通知を受信し、自身の表示部に表示又は音声部から出力する。
　なお、上述した図８から図１０のグラフのように、所定期間及び割引率を視覚化したデータや、カレンダー等の日付に所定期間及び割引率を表示したデータや、所定期間及び割引率を文字や記号で表示したデータを、配送業者に通知してもよい。 Next, the notification module 23 notifies the delivery company of the predetermined period and the discount rate in step S33. That is, the notification module 23 transmits this notification to the delivery company terminal, and the delivery company terminal receives this notification and displays it on its own display unit or outputs it from the voice unit.
As shown in the graphs of FIGS. 8 to 10 described above, the data that visualizes the predetermined period and the discount rate, the data that displays the predetermined period and the discount rate on a date such as a calendar, and the predetermined period and the discount rate are written as characters. The delivery company may be notified of the data displayed by the or symbol.
　なお、通知モジュール２３は、時間の経過とともに割引率が変更された時には、その都度、配送業者に変更された割引率を通知してもよい。すなわち、通知モジュール３２は、配送業者端末に、変更された割引率を変更する度に送信する。ここで、割引率が時間の関数の場合は、例えば、一時間毎、一日毎や一週間毎等、定期的に通知を行ってもよい。 Note that the notification module 23 may notify the delivery company of the changed discount rate each time the discount rate is changed with the passage of time. That is, the notification module 32 transmits to the delivery company terminal each time the changed discount rate is changed. Here, when the discount rate is a function of time, notification may be given periodically, for example, every hour, every day, every week, or the like.
　［自動換金処理］
　図６に基づいて、コンピュータ１０が実行する自動換金処理について説明する。図６は、コンピュータ１０が実行する自動換金処理のフローチャートを示す図である。 [Automatic cash processing]
The automatic cashing process executed by the computer 10 will be described with reference to FIG. FIG. 6 is a diagram showing a flowchart of an automatic cashing process executed by the computer 10.
　最初に、期間判断モジュール４７は、配送業者毎に記録された割引推移情報を参照し、配送業者毎に決定された所定期間を経過したか否かを判断する（ステップＳ４０）。そして、期間判断モジュール４７が、所定期間を経過したと判断した場合（ステップＳ４０　ＹＥＳ）は、第２換金モジュール４９は、予め定められた換金率に基づいて、振り込まれたデジタル通貨を自動的に換金する（ステップＳ４４）。ここで、予め定められた換金率は、上述した通り、等価（１００％）や、最小割引率を考慮した換金率であってよく、上述した契約データに基づいて予め設定された換金率であってよい。 First, the period determination module 47 refers to the discount transition information recorded for each delivery company, and determines whether or not the predetermined period determined for each delivery company has passed (step S40). Then, when the period determination module 47 determines that the predetermined period has passed (step S40 YES), the second cash module 49 automatically transfers the transferred digital currency based on the predetermined cash rate. Cash in (step S44). Here, as described above, the predetermined conversion rate may be an equivalent (100%) or a conversion rate in consideration of the minimum discount rate, and is a conversion rate preset based on the above-mentioned contract data. You can do it.
　一方、期間判断モジュール４７が、所定期間を経過していないと判断した場合（ステップＳ４０　ＮＯ）は、換金指示受付モジュール２４は、配送業者からデジタル通貨を換金する換金指示を受け付ける（ステップＳ４１）。ステップＳ４１において、換金指示受付モジュール２４は、配送業者端末から、この換金指示を受け付ける。この受け付けに対して、配送業者端末から換金指示を受けなかった場合（ステップＳ４１　ＮＯ）は、処理をステップＳ４０に戻し、期間判断モジュール４７が所定期間の経過を判断する。 On the other hand, when the period determination module 47 determines that the predetermined period has not passed (step S40 NO), the cashing instruction receiving module 24 receives a cashing instruction for cashing the digital currency from the delivery company (step S41). In step S41, the cashing instruction receiving module 24 receives the cashing instruction from the delivery company terminal. When the cashing instruction is not received from the delivery company terminal (step S41 NO), the process is returned to step S40, and the period determination module 47 determines the elapse of the predetermined period.
　一方、配送業者端末から換金指示を受けた場合（ステップＳ４１　ＹＥＳ）には、換金指示受付モジュール２４は、配送業者端末から配送業者の識別子を受信し、割引推移情報特定モジュール４６が、この識別子からこの配送業者の割引推移情報を特定する（ステップＳ４２）。割引推移情報は、上述のように、所定期間、割引率（上述のように固定値でなく時間の関数でよい）、配送業者の識別子、配送業者の口座、デジタル通貨の種類及び発行額、予め定められた換金率等が対応付けられたデータである。 On the other hand, when the cashing instruction is received from the delivery company terminal (step S41 YES), the cashing instruction receiving module 24 receives the delivery company's identifier from the delivery company terminal, and the discount transition information specifying module 46 receives the cashing company's identifier from this identifier. The discount transition information of this delivery company is specified (step S42). As described above, the discount transition information includes a predetermined period, a discount rate (a function of time instead of a fixed value as described above), a carrier identifier, a carrier account, a type of digital currency and an issue amount, and in advance. It is the data associated with the specified conversion rate and the like.
　第１換金モジュール４８は、特定された割引推移情報を参照し、予め定められた換金率（例えば、等価１００％）に所定の割引率を適用した換金率に基づいて、振り込まれたデジタル通貨を換金する（ステップＳ４３）この結果、第１換金モジュール４８は、予め定められた換金率に対して、所定の割引率を適用して、デジタル通貨を換金する。 The first cashing module 48 refers to the specified discount transition information, and transfers the transferred digital currency based on the cashing rate obtained by applying a predetermined discount rate to a predetermined cashing rate (for example, equivalent 100%). Cashing (Step S43) As a result, the first cashing module 48 applies a predetermined discount rate to the predetermined cashing rate to cash the digital currency.
　ここで、換金指示が、配送業者が保持するデジタル通貨の全額を換金する指示ではなく、一部を換金する指示である場合は、残額のデジタル通貨に対して、本処理をステップＳ４０から実行してよい。この場合、所定期間が経過する際に残額がある場合には、結果的に、残額がステップＳ４４の処理により自動的に換金される。 Here, if the cashing instruction is not an instruction to redeem the entire amount of the digital currency held by the delivery company but an instruction to redeem a part of the digital currency, this process is executed from step S40 for the remaining digital currency. It's okay. In this case, if there is a balance when the predetermined period elapses, as a result, the balance is automatically converted into cash by the process of step S44.
　［手動換金処理］
　図７に基づいて、コンピュータ１０が実行する手動換金処理について説明する。図７は、コンピュータ１０が実行する手動換金処理のフローチャートを示す図である。本処理と上述の自動換金処理との相違点は、自動換金処理は、所定期間の経過とともに、自動的に換金処理が行われ、手動換金処理では、所定期間の経過に関わらず、換金指示を受けることにより換金処理が行われる。 [Manual cash processing]
The manual cashing process executed by the computer 10 will be described with reference to FIG. 7. FIG. 7 is a diagram showing a flowchart of a manual cashing process executed by the computer 10. The difference between this process and the above-mentioned automatic cashing process is that in the automatic cashing process, the cashing process is automatically performed with the lapse of a predetermined period, and in the manual cashing process, a cashing instruction is given regardless of the lapse of the predetermined period. By receiving it, cash processing will be performed.
　換金指示受付モジュール２４は、配送業者からデジタル通貨を換金する換金指示を受け付ける（ステップＳ５０）。ステップＳ５０において、換金指示受付モジュール２４は、配送業者端末から、この換金指示を受け付ける。 The cashing instruction receiving module 24 receives a cashing instruction for cashing digital currency from a delivery company (step S50). In step S50, the cashing instruction receiving module 24 receives the cashing instruction from the delivery company terminal.
　この受け付けに対して、実際に換金指示を受けた場合は、換金指示受付モジュール２４は、配送業者端末から配送業者の識別子を受信し、割引推移情報特定モジュール４６が、この識別子からこの配送業者の割引推移情報を特定する（ステップＳ５１）。 When the cashing instruction is actually received in response to this reception, the cashing instruction receiving module 24 receives the delivery company's identifier from the delivery company terminal, and the discount transition information specifying module 46 receives the delivery company's identifier from this identifier. The discount transition information is specified (step S51).
　次に、期間判断モジュール４７は、特定された割引推移情報を参照して、換金指示を受け付けたタイミングが、所定期間の経過前であるか否かを判断する（ステップＳ５２）。 Next, the period determination module 47 refers to the specified discount transition information and determines whether or not the timing of receiving the cashing instruction is before the elapse of the predetermined period (step S52).
　ステップＳ５２において、期間判断モジュール４７が、換金指示を受け付けたタイミングが、所定期間の経過前であると判断した場合（ステップＳ５２　ＹＥＳ）、第１換金モジュール４８は、予め定められた換金率（例えば、等価１００％）に所定の割引率を適用した換金率に基づいて、振り込まれたデジタル通貨を現金に換金する（ステップＳ５３）この結果、第１換金モジュール４８は、予め定められた換金率に対して、所定の割引率を適用して、デジタル通貨を換金する。 In step S52, when the period determination module 47 determines that the timing of receiving the cashing instruction is before the elapse of the predetermined period (step S52 YES), the first cashing module 48 has a predetermined cashing rate (for example,). , Equivalent 100%) is applied with a predetermined discount rate, and the transferred digital currency is converted into cash (step S53). As a result, the first conversion module 48 has a predetermined conversion rate. On the other hand, a predetermined discount rate is applied to convert the digital currency into cash.
　一方、ステップＳ５２において、期間判断モジュール４７が、換金指示を受け付けたタイミングが、所定期間の経過後であると判断した場合（ステップＳ５２　ＮＯ）、すなわち、換金指示を受け付けたタイミングが、所定期間の終了タイミングよりも後である場合、第２換金モジュール４９は、予め定められた換金率に基づいて、振り込まれたデジタル通貨を換金する（ステップＳ５４）。ステップＳ５４において、予め定められた換金率は、上述した通り、等価（１００％）や、最小割引率を考慮した換金率であってよく、上述した契約データに基づいて予め設定された換金率であってよい。 On the other hand, in step S52, when the period determination module 47 determines that the timing of receiving the cashing instruction is after the elapse of the predetermined period (step S52 NO), that is, the timing of receiving the cashing instruction is the predetermined period. If it is later than the end timing, the second cashing module 49 cashes the transferred digital currency based on a predetermined cashing rate (step S54). In step S54, the predetermined conversion rate may be an equivalent (100%) or a conversion rate in consideration of the minimum discount rate, as described above, and may be a conversion rate preset based on the above-mentioned contract data. It may be there.
　このように、デジタル通貨換金システム１は、換金のための割引率を所定期間だけ設けることで、配送業者は、デジタル通貨を一定期間、保持したほうが、換金される金額が高くなる。したがって、配送業者は、デジタル通貨を直ぐに換金せず、所定期間は保持しようとするインセンティブが働き、デジタル通貨と現金の支出バランスを意識した利活用をすることが可能となる。 In this way, the digital currency exchange system 1 provides a discount rate for exchange for a predetermined period, so that the delivery company holds the digital currency for a certain period of time, the amount of money to be exchanged is higher. Therefore, the delivery company does not immediately convert the digital currency into cash, but has an incentive to hold it for a predetermined period of time, and can utilize the digital currency and cash in consideration of the balance of expenditure.
　すなわち、配送業者にとっては、第１に、デジタル通貨のまま流通しても、上述の所定期間、予め定められた換金率、割引率が管理されているので、最終的には等価現金化（換金率が等価の場合）が可能であり、極端にデジタル通貨が暴落する恐れがない。第２に、配送業者端末で、上述の所定期間、予め定められた換金率、割引率といった情報の通知を受けたり、出力する事が可能となるため、信頼性を担保できる。第３に、配送業者が納品完了後に、直ぐにデジタル通貨で振込が行われるため、流通性が改善される。第４に、結果としてデジタル通貨を保持する配送業者が増えることで、デジタル通貨のまま流通する機会が増加する。加えて、金融機関にとっては、配送業者がデジタル通貨として資金を一定期間保持させることが可能であり、仮に換金をしても、その期間は、割引率を適用して金融機関が所定の費用を取得することが出来る。 That is, for the delivery company, firstly, even if the digital currency is distributed as it is, the above-mentioned predetermined period, the predetermined conversion rate and the discount rate are managed, so that the equivalent cashing (cashing) is finally achieved. (When the rates are equivalent) is possible, and there is no danger of the digital currency crashing extremely. Secondly, the delivery company terminal can receive and output information such as the above-mentioned predetermined period, predetermined cash rate, and discount rate, so that reliability can be guaranteed. Thirdly, since the transfer is made in digital currency immediately after the delivery company completes the delivery, the liquidity is improved. Fourth, as a result, the number of delivery companies that hold digital currencies will increase, and as a result, opportunities to circulate in digital currencies will increase. In addition, for financial institutions, it is possible for the delivery company to hold the funds as a digital currency for a certain period of time, and even if cash is exchanged, the financial institution will apply the discount rate and pay the prescribed cost during that period. You can get it.
　上述した手段、機能は、コンピュータ（ＣＰＵ、情報処理装置、各種端末を含む）が、所定のプログラムを読み込んで、実行することによって実現される。プログラムは、例えば、コンピュータからネットワーク経由で提供される（ＳａａＳ：ソフトウェア・アズ・ア・サービス）形態やクラウドサービスで提供されてよい。また、プログラムは、例えば、ＣＤ（ＣＤ－ＲＯＭなど）、ＤＶＤ（ＤＶＤ－ＲＯＭ、ＤＶＤ－ＲＡＭなど）等のコンピュータ読取可能な記録媒体に記録された形態で提供される。この場合、コンピュータはその記録媒体からプログラムを読み取って内部記録装置又は外部記録装置に転送し記録して実行する。また、そのプログラムを、例えば、磁気ディスク、光ディスク、光磁気ディスク等の記録装置（記録媒体）に予め記録しておき、その記録装置から通信回線を介してコンピュータに提供するようにしてもよい。 The above-mentioned means and functions are realized by a computer (including a CPU, an information processing device, and various terminals) reading and executing a predetermined program. The program may be provided, for example, in the form of being provided from a computer via a network (Software as a Service) or in a cloud service. Further, the program is provided in a form recorded on a computer-readable recording medium such as a CD (CD-ROM or the like) or a DVD (DVD-ROM, DVD-RAM or the like). In this case, the computer reads the program from the recording medium, transfers it to an internal recording device or an external recording device, records the program, and executes the program. Further, the program may be recorded in advance on a recording device (recording medium) such as a magnetic disk, an optical disk, or a magneto-optical disk, and the program may be provided from the recording device to a computer via a communication line.
　以上、本発明の実施形態について説明したが、本発明は上述したこれらの実施形態に限るものではない。また、本発明の実施形態に記載された効果は、本発明から生じる最も好適な効果を列挙したに過ぎず、本発明による効果は、本発明の実施形態に記載されたものに限定されるものではない。 Although the embodiments of the present invention have been described above, the present invention is not limited to these embodiments described above. Further, the effects described in the embodiments of the present invention merely list the most suitable effects arising from the present invention, and the effects according to the present invention are limited to those described in the embodiments of the present invention. is not it.
　（１）デジタル通貨を換金するデジタル通貨換金システムであって、
　配送発注者から配送業者への支払いのためのデジタル通貨を発行する発行部と、
　前記配送業者の口座に、発行した前記デジタル通貨を振り込む振込部と、
　前記配送業者から前記デジタル通貨を換金する換金指示を受け付ける受付部と、
　所定期間の経過前に、前記配送業者から換金指示を受けた場合には、予め定められた換金率に所定の割引率を適用して、前記デジタル通貨を換金する第１換金部と、
　前記配送業者から所定期間の経過前に換金指示を受けなかった場合には、所定期間の経過後、予め定められた換金率に基づいて、前記デジタル通貨を換金する第２換金部と、
　を備えることを特徴とするデジタル通貨換金システム。 (1) A digital currency exchange system that converts digital currency.
The issuer that issues digital currency for payment from the delivery orderer to the delivery company,
A transfer unit that transfers the issued digital currency to the delivery company's account,
A reception unit that accepts cashing instructions for cashing the digital currency from the delivery company,
If a cashing instruction is received from the delivery company before the lapse of a predetermined period, a predetermined discount rate is applied to the predetermined cashing rate to convert the digital currency into the first cashing unit.
If the delivery company does not receive a cashing instruction before the lapse of the predetermined period, after the lapse of the predetermined period, the second cashing unit for cashing the digital currency based on the predetermined cashing rate, and
A digital currency exchange system characterized by being equipped with.
　（２）デジタル通貨を換金するデジタル通貨換金システムであって、
　配送発注者から配送業者への支払いのためのデジタル通貨を発行する発行部と、
　前記配送業者の口座に、発行した前記デジタル通貨を振り込む振込部と、
　前記配送業者から前記デジタル通貨を換金する換金指示を受け付ける受付部と、
　所定期間の経過前に、前記配送業者から換金指示を受けた場合には、予め定められた換金率に所定の割引率を適用して、前記デジタル通貨を換金する第１換金部と、
　所定期間の経過後、前記配送業者から換金指示を受けた場合には、予め定められた換金率に基づいて、前記デジタル通貨を換金する第２換金部と、
　を備えることを特徴とするデジタル通貨換金システム。 (2) A digital currency exchange system that converts digital currency.
The issuer that issues digital currency for payment from the delivery orderer to the delivery company,
A transfer unit that transfers the issued digital currency to the delivery company's account,
A reception unit that accepts cashing instructions for cashing the digital currency from the delivery company,
If a cashing instruction is received from the delivery company before the lapse of a predetermined period, a predetermined discount rate is applied to the predetermined cashing rate to convert the digital currency into the first cashing unit.
After the lapse of a predetermined period, when a cashing instruction is received from the delivery company, a second cashing unit that cashes the digital currency based on a predetermined cashing rate, and
A digital currency exchange system characterized by being equipped with.
　（３）前記所定期間の開始タイミングは、前記デジタル通貨の発行時又は振込時であることを特徴とする（１）又は（２）に記載のデジタル通貨換金システム。 (3) The digital currency exchange system according to (1) or (2), wherein the start timing of the predetermined period is at the time of issuance or transfer of the digital currency.
　（４）前記配送業者の契約データを参照し、前記所定期間を決定する決定部をさらに備えることを特徴とする（１）又は（２）に記載のデジタル通貨換金システム。 (4) The digital currency cashing system according to (1) or (2), further comprising a determination unit for determining the predetermined period with reference to the contract data of the delivery company.
　（５）前記所定期間の終了タイミングは、前記配送発注者が、前記配送業者の口座に現金を振込んだタイミングであることを特徴とする（１）又は（２）に記載のデジタル通貨換金システム。 (5) The digital currency exchange system according to (1) or (2), wherein the end timing of the predetermined period is the timing when the delivery orderer transfers cash to the account of the delivery company. ..
　（６）前記所定期間を、前記配送業者に通知する通知部をさらに備えることを特徴とする（１）又は（２）に記載のデジタル通貨換金システム。 (6) The digital currency exchange system according to (1) or (2), further comprising a notification unit for notifying the delivery company of the predetermined period.
　（７）前記配送業者から納品完了通知を取得する取得部をさらに備え、
　前記振込部は、取得した前記納品完了通知に基づいて、前記デジタル通貨を振り込むことを特徴とする（１）又は（２）に記載のデジタル通貨換金システム。 (7) Further equipped with an acquisition unit for acquiring a delivery completion notification from the delivery company.
The digital currency exchange system according to (1) or (2), wherein the transfer unit transfers the digital currency based on the acquired delivery completion notification.
　（８）前記割引率は、前記配送発注者の信用データに応じて設定されることを特徴とする（１）又は（２）に記載のデジタル通貨換金システム。 (8) The digital currency exchange system according to (1) or (2), wherein the discount rate is set according to the credit data of the delivery orderer.
　（９）前記割引率は、前記デジタル通貨の振込時からの時間経過に従って減少することを特徴とする（１）又は（２）に記載のデジタル通貨換金システム。 (9) The digital currency exchange system according to (1) or (2), wherein the discount rate decreases with the passage of time from the time of transfer of the digital currency.
　（１０）デジタル通貨を換金するデジタル通貨換金システムが実行するデジタル通貨換金方法であって、
　配送発注者から配送業者への支払いのためのデジタル通貨を発行するステップと、
　前記配送業者の口座に、発行した前記デジタル通貨を振り込むステップと、
　前記配送業者から前記デジタル通貨を換金する換金指示を受け付けるステップと、
　所定期間の経過前に、前記配送業者から換金指示を受けた場合には、予め定められた換金率に所定の割引率を適用して、前記デジタル通貨を換金するステップと、
　前記配送業者から所定期間の経過前に換金指示を受けなかった場合には、所定期間の経過後、予め定められた換金率に基づいて、前記デジタル通貨を換金するステップと、
　を備えることを特徴とするデジタル通貨換金方法。 (10) A digital currency exchange method executed by a digital currency exchange system for exchanging digital currency.
Steps to issue digital currency for payment from the delivery orderer to the delivery company,
The step of transferring the issued digital currency to the delivery company's account,
A step of receiving a cashing instruction for cashing the digital currency from the delivery company,
If a cashing instruction is received from the delivery company before the lapse of a predetermined period, a predetermined discount rate is applied to the predetermined cashing rate to redeem the digital currency.
If the delivery company does not receive a cashing instruction before the lapse of the predetermined period, the step of redeeming the digital currency based on the predetermined conversion rate after the lapse of the predetermined period, and
A digital currency conversion method characterized by being equipped with.
　（１１）デジタル通貨を換金するデジタル通貨換金システムが実行するデジタル通貨換金方法であって、
　配送発注者から配送業者への支払いのためのデジタル通貨を発行するステップと、
　前記配送業者の口座に、発行した前記デジタル通貨を振り込むステップと、
　前記配送業者から前記デジタル通貨を換金する換金指示を受け付けるステップと、
　所定期間の経過前に、前記配送業者から換金指示を受けた場合には、予め定められた換金率に所定の割引率を適用して、前記デジタル通貨を換金するステップと、
　所定期間の経過後、前記配送業者から換金指示を受けた場合には、予め定められた換金率に基づいて、前記デジタル通貨を換金するステップと、
　を備えることを特徴とするデジタル通貨換金方法。 (11) Converting digital currency This is a digital currency exchange method executed by the digital currency exchange system.
Steps to issue digital currency for payment from the delivery orderer to the delivery company,
The step of transferring the issued digital currency to the delivery company's account,
A step of receiving a cashing instruction for cashing the digital currency from the delivery company,
If a cashing instruction is received from the delivery company before the lapse of a predetermined period, a predetermined discount rate is applied to the predetermined cashing rate to redeem the digital currency.
After the lapse of a predetermined period, when a cashing instruction is received from the delivery company, a step of cashing the digital currency based on a predetermined cashing rate and a step of cashing the digital currency.
A digital currency conversion method characterized by being equipped with.
　（１２）デジタル通貨を換金するコンピュータに、
　配送発注者から配送業者への支払いのためのデジタル通貨を発行するステップ、
　前記配送業者の口座に、発行した前記デジタル通貨を振り込むステップ、
　前記配送業者から前記デジタル通貨を換金する換金指示を受け付けるステップ、
　所定期間の経過前に、前記配送業者から換金指示を受けた場合には、予め定められた換金率に所定の割引率を適用して、前記デジタル通貨を換金するステップ、
　前記配送業者から所定期間の経過前に換金指示を受けなかった場合には、所定期間の経過後、予め定められた換金率に基づいて、前記デジタル通貨を換金するステップ、
　を実行させるためのコンピュータ読み取り可能なプログラム。 (12) To a computer that converts digital currency
Steps to issue digital currency for payment from the delivery orderer to the delivery company,
The step of transferring the issued digital currency to the delivery company's account,
A step of receiving a cashing instruction to redeem the digital currency from the delivery company,
If a cashing instruction is received from the delivery company before the lapse of a predetermined period, a predetermined discount rate is applied to a predetermined cashing rate to redeem the digital currency.
If the delivery company does not receive a cashing instruction before the lapse of a predetermined period, the step of redeeming the digital currency based on a predetermined conversion rate after the lapse of the predetermined period,
A computer-readable program for running.
　（１３）デジタル通貨を換金するコンピュータに、
　配送発注者から配送業者への支払いのためのデジタル通貨を発行するステップ、
　前記配送業者の口座に、発行した前記デジタル通貨を振り込むステップ、
　前記配送業者から前記デジタル通貨を換金する換金指示を受け付けるステップ、
　所定期間の経過前に、前記配送業者から換金指示を受けた場合には、予め定められた換金率に所定の割引率を適用して、前記デジタル通貨を換金するステップ、
　所定期間の経過後、前記配送業者から換金指示を受けた場合には、予め定められた換金率に基づいて、前記デジタル通貨を換金するステップ、
　を実行させるためのコンピュータ読み取り可能なプログラム。 (13) To a computer that converts digital currency
Steps to issue digital currency for payment from the delivery orderer to the delivery company,
The step of transferring the issued digital currency to the delivery company's account,
A step of receiving a cashing instruction to redeem the digital currency from the delivery company,
If a cashing instruction is received from the delivery company before the lapse of a predetermined period, a predetermined discount rate is applied to a predetermined cashing rate to redeem the digital currency.
A step of redeeming the digital currency based on a predetermined cashing rate when a cashing instruction is received from the delivery company after the lapse of a predetermined period.
A computer-readable program for running.
　１　デジタル通貨換金システム、
　１０　コンピュータ
　２０　発行依頼取得モジュール
　２１　納品完了通知取得モジュール
　２２　振込依頼取得モジュール
　２３　通知モジュール
　２４　換金指示受付モジュール
　３０　記録モジュール
　４０　デジタル通貨発行モジュール
　４１　第１振込用情報特定モジュール
　４２　振込モジュール
　４４　期間決定モジュール
　４５　割引率設定モジュール
　４６　割引推移情報特定モジュール
　４７　期間判断モジュール
　４８　第１換金モジュール
　４９　第２換金モジュール
  1 Digital currency exchange system,
10 Computer 20 Issuance request acquisition module 21 Delivery completion notification acquisition module 22 Transfer request acquisition module 23 Notification module 24 Cash instruction reception module 30 Recording module 40 Digital currency issuance module 41 First transfer information identification module 42 Transfer module 44 Period determination module 45 Discount rate setting module 46 Discount transition information specific module 47 Period judgment module 48 1st cash module 49 2nd cash module

Claims (13)

  1. 　デジタル通貨を換金するデジタル通貨換金システムであって、
    　配送発注者から配送業者への支払いのためのデジタル通貨を発行する発行部と、
    　前記配送業者の口座に、発行した前記デジタル通貨を振り込む振込部と、
    　前記配送業者から前記デジタル通貨を換金する換金指示を受け付ける受付部と、
    　所定期間の経過前に、前記配送業者から換金指示を受けた場合には、予め定められた換金率に所定の割引率を適用して、前記デジタル通貨を換金する第１換金部と、
    　前記配送業者から所定期間の経過前に換金指示を受けなかった場合には、所定期間の経過後、予め定められた換金率に基づいて、前記デジタル通貨を換金する第２換金部と、
    　を備えることを特徴とするデジタル通貨換金システム。     It is a digital currency exchange system that converts digital currency.
    The issuer that issues digital currency for payment from the delivery orderer to the delivery company,
    A transfer unit that transfers the issued digital currency to the delivery company's account,
    A reception unit that accepts cashing instructions for cashing the digital currency from the delivery company,
    If a cashing instruction is received from the delivery company before the lapse of a predetermined period, a predetermined discount rate is applied to the predetermined cashing rate to convert the digital currency into the first cashing unit.
    If the delivery company does not receive a cashing instruction before the lapse of the predetermined period, after the lapse of the predetermined period, the second cashing unit for cashing the digital currency based on the predetermined cashing rate, and
    A digital currency exchange system characterized by being equipped with.
  2. 　デジタル通貨を換金するデジタル通貨換金システムであって、
    　配送発注者から配送業者への支払いのためのデジタル通貨を発行する発行部と、
    　前記配送業者の口座に、発行した前記デジタル通貨を振り込む振込部と、
    　前記配送業者から前記デジタル通貨を換金する換金指示を受け付ける受付部と、
    　所定期間の経過前に、前記配送業者から換金指示を受けた場合には、予め定められた換金率に所定の割引率を適用して、前記デジタル通貨を換金する第１換金部と、
    　所定期間の経過後、前記配送業者から換金指示を受けた場合には、予め定められた換金率に基づいて、前記デジタル通貨を換金する第２換金部と、
    　を備えることを特徴とするデジタル通貨換金システム。     It is a digital currency exchange system that converts digital currency.
    The issuer that issues digital currency for payment from the delivery orderer to the delivery company,
    A transfer unit that transfers the issued digital currency to the delivery company's account,
    A reception unit that accepts cashing instructions for cashing the digital currency from the delivery company,
    If a cashing instruction is received from the delivery company before the lapse of a predetermined period, a predetermined discount rate is applied to the predetermined cashing rate to convert the digital currency into the first cashing unit.
    After the lapse of a predetermined period, when a cashing instruction is received from the delivery company, a second cashing unit that cashes the digital currency based on a predetermined cashing rate, and
    A digital currency exchange system characterized by being equipped with.
  3. 　前記所定期間の開始タイミングは、前記デジタル通貨の発行時又は振込時であることを特徴とする請求項１に記載のデジタル通貨換金システム。 The digital currency exchange system according to claim 1, wherein the start timing of the predetermined period is at the time of issuance or transfer of the digital currency.
  4. 　前記配送業者の契約データを参照し、前記所定期間を決定する決定部をさらに備えることを特徴とする請求項１又は２に記載のデジタル通貨換金システム。 The digital currency cashing system according to claim 1 or 2, further comprising a determination unit for determining the predetermined period with reference to the contract data of the delivery company.
  5. 　前記所定期間の終了タイミングは、前記配送発注者が、前記配送業者の口座に現金を振込んだタイミングであることを特徴とする請求項１又は２に記載のデジタル通貨換金システム。 The digital currency exchange system according to claim 1 or 2, wherein the end timing of the predetermined period is the timing when the delivery orderer transfers cash to the account of the delivery company.
  6. 　前記所定期間を、前記配送業者に通知する通知部をさらに備えることを特徴とする請求項１又は２に記載のデジタル通貨換金システム。 The digital currency exchange system according to claim 1 or 2, further comprising a notification unit for notifying the delivery company of the predetermined period.
  7. 　前記配送業者から納品完了通知を取得する取得部をさらに備え、
    　前記振込部は、取得した前記納品完了通知に基づいて、前記デジタル通貨を振り込むことを特徴とする請求項１又は２に記載のデジタル通貨換金システム。     It also has an acquisition unit that acquires delivery completion notifications from the delivery company.
    The digital currency exchange system according to claim 1 or 2, wherein the transfer unit transfers the digital currency based on the acquired delivery completion notification.
  8. 　前記割引率は、前記配送発注者の信用データに応じて設定されることを特徴とする請求項１又は２に記載のデジタル通貨換金システム。 The digital currency exchange system according to claim 1 or 2, wherein the discount rate is set according to the credit data of the delivery orderer.
  9. 　前記割引率は、前記デジタル通貨の振込時からの時間経過に従って減少することを特徴とする請求項１又は２に記載のデジタル通貨換金システム。 The digital currency exchange system according to claim 1 or 2, wherein the discount rate decreases with the passage of time from the time of transfer of the digital currency.
  10. 　デジタル通貨を換金するデジタル通貨換金システムが実行するデジタル通貨換金方法であって、
    　配送発注者から配送業者への支払いのためのデジタル通貨を発行するステップと、
    　前記配送業者の口座に、発行した前記デジタル通貨を振り込むステップと、
    　前記配送業者から前記デジタル通貨を換金する換金指示を受け付けるステップと、
    　所定期間の経過前に、前記配送業者から換金指示を受けた場合には、予め定められた換金率に所定の割引率を適用して、前記デジタル通貨を換金するステップと、
    　前記配送業者から所定期間の経過前に換金指示を受けなかった場合には、所定期間の経過後、予め定められた換金率に基づいて、前記デジタル通貨を換金するステップと、
    　を備えることを特徴とするデジタル通貨換金方法。     It is a digital currency conversion method executed by the digital currency exchange system that converts digital currency.
    Steps to issue digital currency for payment from the delivery orderer to the delivery company,
    The step of transferring the issued digital currency to the delivery company's account,
    A step of receiving a cashing instruction for cashing the digital currency from the delivery company,
    If a cashing instruction is received from the delivery company before the lapse of a predetermined period, a predetermined discount rate is applied to the predetermined cashing rate to redeem the digital currency.
    If the delivery company does not receive a cashing instruction before the lapse of the predetermined period, the step of redeeming the digital currency based on the predetermined conversion rate after the lapse of the predetermined period, and
    A digital currency conversion method characterized by being equipped with.
  11. 　デジタル通貨を換金するデジタル通貨換金システムが実行するデジタル通貨換金方法であって、
    　配送発注者から配送業者への支払いのためのデジタル通貨を発行するステップと、
    　前記配送業者の口座に、発行した前記デジタル通貨を振り込むステップと、
    　前記配送業者から前記デジタル通貨を換金する換金指示を受け付けるステップと、
    　所定期間の経過前に、前記配送業者から換金指示を受けた場合には、予め定められた換金率に所定の割引率を適用して、前記デジタル通貨を換金するステップと、
    　所定期間の経過後、前記配送業者から換金指示を受けた場合には、予め定められた換金率に基づいて、前記デジタル通貨を換金するステップと、
    　を備えることを特徴とするデジタル通貨換金方法。     It is a digital currency conversion method executed by the digital currency exchange system that converts digital currency.
    Steps to issue digital currency for payment from the delivery orderer to the delivery company,
    The step of transferring the issued digital currency to the delivery company's account,
    A step of receiving a cashing instruction for cashing the digital currency from the delivery company,
    If a cashing instruction is received from the delivery company before the lapse of a predetermined period, a predetermined discount rate is applied to the predetermined cashing rate to redeem the digital currency.
    After the lapse of a predetermined period, when a cashing instruction is received from the delivery company, a step of cashing the digital currency based on a predetermined cashing rate and a step of cashing the digital currency.
    A digital currency conversion method characterized by being equipped with.
  12. 　デジタル通貨を換金するコンピュータに、
    　配送発注者から配送業者への支払いのためのデジタル通貨を発行するステップ、
    　前記配送業者の口座に、発行した前記デジタル通貨を振り込むステップ、
    　前記配送業者から前記デジタル通貨を換金する換金指示を受け付けるステップ、
    　所定期間の経過前に、前記配送業者から換金指示を受けた場合には、予め定められた換金率に所定の割引率を適用して、前記デジタル通貨を換金するステップ、
    　前記配送業者から所定期間の経過前に換金指示を受けなかった場合には、所定期間の経過後、予め定められた換金率に基づいて、前記デジタル通貨を換金するステップ、
    　を実行させるためのコンピュータ読み取り可能なプログラム。     To a computer that converts digital currency
    Steps to issue digital currency for payment from the delivery orderer to the delivery company,
    The step of transferring the issued digital currency to the delivery company's account,
    A step of receiving a cashing instruction to redeem the digital currency from the delivery company,
    If a cashing instruction is received from the delivery company before the lapse of a predetermined period, a predetermined discount rate is applied to a predetermined cashing rate to redeem the digital currency.
    If the delivery company does not receive a cashing instruction before the lapse of a predetermined period, the step of redeeming the digital currency based on a predetermined conversion rate after the lapse of the predetermined period,
    A computer-readable program for running.
  13. 　デジタル通貨を換金するコンピュータに、
    　配送発注者から配送業者への支払いのためのデジタル通貨を発行するステップ、
    　前記配送業者の口座に、発行した前記デジタル通貨を振り込むステップ、
    　前記配送業者から前記デジタル通貨を換金する換金指示を受け付けるステップ、
    　所定期間の経過前に、前記配送業者から換金指示を受けた場合には、予め定められた換金率に所定の割引率を適用して、前記デジタル通貨を換金するステップ、
    　所定期間の経過後、前記配送業者から換金指示を受けた場合には、予め定められた換金率に基づいて、前記デジタル通貨を換金するステップ、
    　を実行させるためのコンピュータ読み取り可能なプログラム。     To a computer that converts digital currency
    Steps to issue digital currency for payment from the delivery orderer to the delivery company,
    The step of transferring the issued digital currency to the delivery company's account,
    A step of receiving a cashing instruction to redeem the digital currency from the delivery company,
    If a cashing instruction is received from the delivery company before the lapse of a predetermined period, a predetermined discount rate is applied to a predetermined cashing rate to redeem the digital currency.
    A step of redeeming the digital currency based on a predetermined cashing rate when a cashing instruction is received from the delivery company after the lapse of a predetermined period.
    A computer-readable program for running.
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