JP2016151802A - Management method for virtual currency, virtual currency system, advertisement method in virtual currency system, and application program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a management method of virtual currency which is more improved in reliability by securing the consistency and matching of transaction data in a system using virtual currency.SOLUTION: The management method of virtual currency includes: a step 401 of detecting transaction events in online transaction, therein each of the transaction events is executed by preliminarily generated virtual currency, and the virtual currency has a basic unit, and the basic unit has a unique identifier; a step 404 of recording transaction information related to each of the transaction events; and a step 410 of processing transaction information for specifying the tendency of one or more transactions.SELECTED DRAWING: Figure 4

Description

  The present invention relates to a virtual currency management method, a virtual currency system, an advertising method in the virtual currency system, and an application program, and more specifically, a virtual currency management method capable of enhancing the reliability of virtual currency transactions, The present invention relates to a virtual currency system, an advertising method capable of presenting an appropriate advertisement to a user in the virtual currency system, and appropriately giving an advertisement or a marketing opportunity to a merchant, and an application program therefor.

  A virtual currency system has been devised to facilitate online transaction processing in computer networks such as the Internet. In these systems, it is possible for a user to trade in virtual currency in order to purchase a specific product or service. Unlike traditional currencies and other current currencies, virtual currencies exist in virtual space and are considered to be intangible assets.

  Since the virtual currency is an intangible property, the administrator of the virtual currency system is required to ensure that the virtual currency shows sufficient consistency as a current currency in the market. On the other hand, these demands related to security and effectiveness often raise legal and credit concerns from government agencies and commercial traders who become financial authorities trading in cryptocurrencies.

  In addition to these security issues, despite the existence of virtual currency as data on a computer, it is inherently difficult to track the usage and transfer patterns of virtual currency in that market. Due to the huge system that allows the exchange of virtual currencies, virtual currency transaction events are not easily informed to individual users or the controlling authorities. The consistency of the virtual currency platform is questioned as the reliability of individual transactions cannot be confirmed. For these reasons, cryptocurrencies have not been able to replace the traditional and popular currency that has been a great success.

For example, US Patent Publication No. US 2013/0054471 A1 provides a system and method for using digital money. A single bit string is received, and the number of bits in the bit string indicates the monetary value of digital money. Individual bit values of the bits of the bit string are used to identify digital money.
However, Patent Document 1 does not provide an audit (accounting inspection) mechanism between virtual currency and virtual bank, and it is difficult to ensure data consistency and data integrity in the system.

In addition, US Pat. No. 8,229,859 B2 (Patent Document 2) provides a system and method for using digital currency. A single bit string is received, and the number of bits in the bit string indicates the monetary value of the digital currency. The individual bit values of the bits in the bit string are used to identify the digital currency.
However, Patent Document 2 does not provide an auditing mechanism between virtual currency and virtual bank, and it is difficult to ensure data consistency and data integrity in the system.

In addition, the computer system and the computer-implemented method disclosed in US Patent Publication No. US 2013/0282454 A1 are a series of challenging and entertaining portable games, virtual environments that mimic real-world sites. Presents obstacles or issues (challenges). Companies are able to reach consumers in a targeted and integrated way with non-invasively presented advertisements, coupons, merchandise, affinity points or other prizes in a virtual environment. The computer system can generate virtual currency or points. The computer system can create and use a virtual bank. The virtual bank may hold virtual user bank accounts to collect rewards, points or money, and / or to redeem points and other values for rewards, other products and services.
The invention described in Patent Document 3 includes virtual currency, generation of virtual currency, and a virtual bank that holds an account. However, Patent Document 3 does not disclose storage of virtual currency transaction records. Further, Patent Document 3 does not provide an auditing mechanism between virtual currency and virtual bank, and it is difficult to ensure data consistency and data integrity in the system.

In addition, US Pat. No. 6,311,171 B1 (Patent Document 4) describes a technique for providing secure electronic communication, for example, communication related to asset trading. Symmetric use of the encryption key by the first and second parties involved in such communication increases security. Building reliable records, such as databases containing electronic asset representations, takes into account transactions that take place without much human intervention.
The invention described in Patent Document 4 provides a virtual bank that encrypts virtual currency. Virtual currency is digitally signed. However, Patent Document 4 does not disclose storage of virtual currency transaction records. Further, Patent Document 4 does not provide an audit mechanism between virtual currency and virtual bank, and it is difficult to ensure data consistency and data integrity in the system.

US Patent Publication No. US 2012/0005030 A1 (Patent Document 5) has the ability to manage goods, contents and virtual currency safely and enable trading and asset transactions in a 2D or 3D virtual world. It presents a device that identifies, tracks, distributes, advertises and markets using the Protect Anything Human Key added to it.
However, Patent Document 5 does not describe encryption of a virtual currency or currency before storing the virtual currency, nor does it describe necessity of storing a transaction record of the virtual currency.

Also, US Patent No. US 8,494,937 B1 (Patent Document 6) is more preferable for one or more consumers at a merchant's store or trade association, preferably taking into account the acquisition of a physical small currency. With regard to a system integration method and related apparatus for establishing a virtual bank so as to increase the deposit-based assets of related financial institutions by increasing the transaction volume of small currency considering the system, deposit-based assets It is described that it is possible to carry out business transactions between traders (or unions) including trade that does not reduce the price. In the above-mentioned commercial transaction, each consumer stores the transaction details, history and balance, and the data reflecting the data is recorded and displayed as requested, and the customer is connected to the virtual account of the merchant who transfers the data to the mobile device. They manage to use their own mobile devices.
However, the invention described in Patent Document 6 provides neither virtual currency nor virtual currency. In the invention described in Patent Document 6, the virtual currency is not encrypted before being stored.

Furthermore, Japanese Patent Publication No. JP2007-310818 (A) (Patent Document 7) provides a virtual bank system. The virtual bank system includes a virtual administrator account storage unit, a plurality of virtual user account storage units, and a processing unit connected to each of these account storage units. The virtual bank system manages the flow of money data between account storage units and is connected to a management computer of a real financial institution, and the flow of money data between virtual account storage units and the flow of money between real accounts And the monetary data of the virtual account storage unit specified by the transaction ID is output. Trading parties can directly check the flow of monetary data related to their transactions.
However, while the invention according to Patent Document 7 manages the flow of money connected to a real financial institution, it does not provide a system for generating and using virtual currency or virtual currency.

Bitcoin in a conventional bitcoin payment system is a digital currency. New bit coins are generated by user mining. Bitcoin uses public key cryptography to create a digital signature and proves it is true. Transactions are verified, time stamped, and recorded by a dedicated computer in a shared public transaction history database called a blockchain.
The invention described in Patent Literature 7 includes virtual currency, virtual currency generation, and a virtual bank that holds an account. However, there is no account opened in the Bitcoin network, and there is no need for periodic accounting inspections in the Bitcoin network. In a virtual currency system, it is necessary to have a regular audit (inspection) mechanism to ensure data consistency and data integrity.

In addition, advertisements related to online sales and marketing executed on websites and mobile applications are usually performed in the form of banner advertisements. In order to increase the click-through rate of advertisements, methods for supporting various advertisements have been proposed so far.
Patent Document 8 below discloses an invention related to a program for supporting advertisement. In the invention described in Patent Document 8, a user can receive rights-protected content at no cost or at low cost in exchange for displaying an advertisement provided as a content presentation condition. In addition, the user can obtain points by displaying the advertisement, and the points can reduce the acquisition cost of applications and contents. However, in the invention described in Patent Document 8, the advertisement is not related to the point redemption process, and the advertisement is not related to a product to be redeemed.

  Patent Document 9 below discloses an invention related to an electronic coupon system, and a user can get a reward by interacting with an advertisement or an image. However, dialogue with advertisements is a necessary condition for obtaining a reward. The user can redeem the reward by visiting the organizer's website or printing a reward coupon.

Furthermore, the following Patent Document 10 describes a technology that supports advertisement of rebates and coupons on a Web server by providing communication coupons and rebates. A catalog of products to be selected is displayed on the user terminal device. When an advertisement is displayed to the user by browsing a Web server for a product or a coupon, the coupon for the advertisement is presented. In this invention, the advertiser is the supplier of the product.
Conventionally, when using applications, etc., advertisements are displayed regardless of the user's intention, so the user often feels these advertisements in the way, and even if the application is used, the user can display the advertisement. There is a problem that it is not a mechanism to give the user the motivation to see, and that there is not enough advertising and marketing opportunities available to the sponsor (merchant) in the virtual currency system. It was.

US Patent Application Publication No. 2013 / 0054471A1 U.S. Pat.No. 8,229,859B2 US Patent Application Publication No. 2013 / 0282454A1 US Pat.No. 6,311,171B1 US Patent Application Publication No. 2012 / 0005030A1 U.S. Patent No. 8,494,937B1 JP 2007-310818 International Publication No. 2009/099866 Pamphlet U.S. Patent No. 7624038 US Patent Application Publication No. 2012/0253919

Means for solving the problems and their effects

  The present invention has been made in view of the above-mentioned problems, and can ensure the consistency and consistency of transaction data in the system, and further improve the reliability of a virtual currency management method and virtual currency system. It is an object of the present invention to provide an advertisement method capable of presenting an appropriate advertisement to a user in the virtual currency system and appropriately giving an advertisement or a marketing opportunity to a merchant, and an application program therefor.

  In order to achieve the above object, a virtual currency management method (1) according to the present invention is a virtual currency management method used in an online transaction using a computer, wherein the computer performs a transaction event in the online transaction. Each of the transaction events is executed by a pre-generated virtual currency, the virtual currency has a base unit, the base unit has a unique identifier, and each of the transaction events Recording transaction information associated with the transaction information and processing the transaction information to identify one or more transaction trends.

  According to the virtual currency management method (1), the computer detects a transaction event executed by the virtual currency having the unique identifier, records transaction information related to each of the transaction events, Since the transaction information is processed in order to identify a trend of two or more transactions, the consistency and consistency of the transaction information can be ensured, and a more reliable virtual currency transaction can be performed. Can be realized.

  The virtual currency management method (2) according to the present invention is the virtual currency management method (1), wherein the recorded transaction information is the unique identifier of each basic unit of the virtual currency generated in advance. It is characterized by being associated with.

  The virtual currency management method (3) according to the present invention is the virtual currency management method (2), wherein the transaction information includes one or more transaction trends of each basic unit of the virtual currency generated in advance. To be identified, it is processed by the associated unique identifier.

A virtual currency management method (4) according to the present invention is the one for the one or more transaction events from a plurality of party terminals in any of the virtual currency management methods (1) to (3). The method further includes receiving the above transaction request and executing the one or more transaction requests to complete the one or more transaction events.
According to the virtual currency management method (4), since the one or more transaction requests are received from the plurality of party terminals and the one or more transaction requests are executed, the one or more transaction events are completed. Can be made.

  A virtual currency management method (5) according to the present invention is characterized in that, in the virtual currency management method (4), the one or more transaction requests are received from a plurality of party terminals in the online transaction.

  The virtual currency management method (6) according to the present invention is the virtual currency management method (5), wherein the plurality of party terminals in the online transaction include an administrator, a merchant, and a user terminal. It is characterized by being.

  Further, the virtual currency management method (7) according to the present invention is the virtual currency management method (1) to (6), wherein the virtual currency generated in advance is the administrator, the merchant, or the It is characterized by being stored electronically in an account held by each of the users.

  The virtual currency management method (8) according to the present invention is the virtual currency management method (3) to (7), wherein the one or more transaction trends are associated with each unique identifier. It is specified by searching and processing one or more transaction event histories.

  The virtual currency management method (9) according to the present invention is the virtual currency management method (4) to (8), wherein each of the transaction requests from the plurality of party terminals is confirmed before execution. It is characterized by being.

  The virtual currency management method (10) according to the present invention is the virtual currency management method (9), wherein each of the transaction requests verifies the authenticity of each of a plurality of parties involved in the transaction request. The transaction status is confirmed by comparing each transaction state associated with each of the transaction requests against a predefined transaction rule.

  The virtual currency management method (11) according to the present invention is the virtual currency management method (10), wherein each transaction condition associated with each of the transaction requests includes the one or more transaction trends. It is further characterized by being compared.

  The virtual currency management method (12) according to the present invention includes an account held in each of the plurality of parties involved in the transaction requirements in any of the virtual currency management methods (9) to (11). Is characterized by being inspected.

  The virtual currency management method (13) according to the present invention is the virtual currency management method (12), wherein each of the plurality of parties has an account balance of an account held by each of the parties. It is characterized by being inspected by searching and inspected by comparing balances against a predefined account balance state.

  The virtual currency management method (14) according to the present invention is the virtual currency management method (13), wherein the total balance is calculated from the one or more transaction event histories associated with each of the plurality of parties. And is compared with the account balance of each of the plurality of parties.

  The virtual currency management method (15) according to the present invention is characterized in that, in the virtual currency management method (13) or (14), the accounts held by the plurality of parties are randomly inspected. Yes.

  The virtual currency management method (16) according to the present invention is the virtual currency management method (1) to (15), wherein the transaction information includes a merchant identifier, a user identifier, a date / time, It is characterized in that it includes exchanged goods, exchanged virtual currency, or a combination of these.

  The virtual currency management method (17) according to the present invention is characterized in that, in any of the virtual currency management methods (1) to (16), the unique identifier is encrypted.

  The virtual currency management method (18) according to the present invention is the virtual currency management method (1) to (17), wherein the one or more transaction trends are the acquisition and payment of the virtual currency. It is characterized by including a pattern.

  A virtual currency system (1) according to the present invention is a virtual currency system that is executed in an online transaction using a computer, and includes a transaction engine that detects a transaction event in the online transaction, and each of the transaction events. A transaction database for recording associated transaction information; and data processing means for processing the transaction information to identify one or more transaction trends, wherein each of the transaction events is represented by a pre-generated virtual currency When executed, the virtual currency has a basic unit, and the basic unit has a unique identifier.

  According to the virtual currency system (1), a transaction engine that detects a transaction event executed by the virtual currency having the unique identifier, and a transaction database that records transaction information associated with each of the transaction events, And data processing means for processing the transaction information to identify one or more transaction trends, so that the consistency and consistency of the transaction information can be ensured and more reliable Can increase virtual currency trading.

  In the virtual currency system (2) according to the present invention, in the virtual currency system (1), the recorded transaction information is associated with the unique identifier of each basic unit of the virtual currency generated in advance. It is characterized by being.

  In the virtual currency system (3) according to the present invention, in the virtual currency system (2), the transaction information is for specifying one or more transaction trends of each basic unit of the virtual currency generated in advance. , And is processed by the associated unique identifier.

  In the virtual currency system (4) according to the present invention, in any one of the virtual currency systems (1) to (3), the transaction engine further includes a plurality of party terminals for the one or more transaction events. The one or more transaction requests are received, and the one or more transaction requests for completing the one or more transaction events are executed.

  The virtual currency system (5) according to the present invention is characterized in that, in the virtual currency system (4), the one or more transaction requests are received from a plurality of party terminals in the online transaction.

  In the virtual currency system (6) according to the present invention, in the virtual currency system (5), the plurality of party terminals in the online transaction include an administrator, a merchant, and a user terminal. It is characterized by.

  Further, in the virtual currency system (7) according to the present invention, in any of the virtual currency systems (1) to (6), the virtual currency generated in advance is set by the administrator, the merchant, or the user. It is characterized by being stored electronically in the account it holds.

  The virtual currency system (8) according to the present invention is the virtual currency system (1) to (7), wherein the one or more transaction trends are one or more associated with each unique identifier. It is characterized by being confirmed by searching and processing a transaction event history.

  In the virtual currency system (9) according to the present invention, in any of the virtual currency systems (4) to (8), each of the transaction requests from the plurality of party terminals is confirmed before execution. It is a feature.

  In the virtual currency system (10) according to the present invention, in the virtual currency system (9), each of the transaction requests verifies a truth state of each of a plurality of parties involved in the transaction request, and is specified in advance. Characterized by comparing each transaction state associated with each of the transaction requests against a determined transaction rule.

  In the virtual currency system (11) according to the present invention, each transaction condition associated with each of the transaction requests is further compared with the one or more transaction trends in the virtual currency system (10). It is characterized by that.

  Further, in the virtual currency system (12) according to the present invention, in any of the virtual currency systems (9) to (11), an account held in each of the plurality of parties involved in the transaction requirement is inspected. It is characterized by that.

  In the virtual currency system (13) according to the present invention, in the virtual currency system (12), each account of the plurality of parties is searched for an account balance of an account held by each of the parties. It is characterized by being inspected and inspected by comparing the balance against a predefined account balance state.

  In the virtual currency system (14) according to the present invention, in the virtual currency system (13), a total balance is calculated from the one or more transaction event histories associated with each of the plurality of parties. Compared to the account balance of each of the parties.

  The virtual currency system (15) according to the present invention is characterized in that, in the virtual currency system (13) or (14), the accounts held by the plurality of parties are randomly inspected.

  In the virtual currency system (16) according to the present invention, in any of the virtual currency systems (1) to (15), the transaction information includes a merchant identifier, a user identifier, a date / time, an exchange, an exchange It is characterized in that it includes a virtual currency or a combination of these.

  The virtual currency system (17) according to the present invention is characterized in that, in any of the virtual currency systems (1) to (16), the unique identifier is encrypted.

  In the virtual currency system (18) according to the present invention, in any one of the virtual currency systems (1) to (17), the one or more transaction trends include a pattern of acquisition and payment of the virtual currency. It is characterized by.

  A virtual currency system (19) according to the present invention is a virtual currency system having a function of supporting sponsor's advertisement using an application downloaded to a user terminal, and a predetermined input from a user during use of the application. When there is an operation, a virtual currency issuing means for issuing a virtual currency to the user, a function of presenting a reward that can be exchanged with the virtual currency and allowing the user to select, and an advertisement of the sponsor of the application are presented A reward channel presenting means for presenting a reward channel including a function to perform, a reward exchange means for exchanging a reward selected by the user in the reward channel and a virtual currency owned by the user, and presented in the online reward channel. If the sponsor's advertisement is selected by the user, the sponsor's advertisement It is characterized in that it comprises an advertisement information presenting means for presenting the linked information.

  According to the virtual currency system (19), by presenting the reward channel, it is not necessary to display an advertisement regardless of the user's intention when using the application, and the user can use the application without feeling in the way. can do. In addition, when a predetermined input operation is performed by the user during use of the application, the virtual currency is issued. Therefore, the motivation to visit the reward channel can be given to the user by accumulating the virtual currency. . Therefore, it is possible to realize a system that can appropriately give advertisement and marketing opportunities to the sponsor of the application through the reward channel.

  An advertising method using a virtual currency system according to the present invention is an advertising method in the virtual currency system (1) to (18) that supports sponsor's advertisement using an application downloaded to a user terminal. The issuing means issues a virtual currency to the user when there is a predetermined input operation from the user while using the application, and the reward channel presenting means gives a reward exchangeable with the virtual currency. A step of presenting a reward channel including a function to be presented and selected by a user, and a function of presenting an advertisement of a sponsor of the application; a reward exchanging means includes a reward selected by the user in the reward channel; A step of exchanging virtual currency possessed by the advertisement information presenting means; If the sponsor advertisement in presented is selected by the user, it is characterized by comprising the step of presenting said been sponsored advertisement and link information.

  According to the above advertising method, by presenting the reward channel, it is not necessary to display an advertisement regardless of the user's intention when using the application, and the user can use the application without feeling in the way. . In addition, when a predetermined input operation is performed by the user during use of the application, the virtual currency is issued. Therefore, the motivation to visit the reward channel can be given to the user by accumulating the virtual currency. . Therefore, through the reward channel, it is possible to appropriately give advertisement and marketing opportunities to the sponsor of the application.

  An application program according to the present invention is an application program that causes a computer to function as an apparatus that executes a virtual currency system having a function of supporting advertisement of an application sponsor, and allows the user to use the computer while using the application. A function of issuing a virtual currency to the user when there is a predetermined input operation, a function of causing the user to select a reward that can be exchanged for the virtual currency, and a function of presenting an advertisement of the sponsor of the application Including a function for presenting a reward channel including: a function for exchanging a reward selected by the user on the reward channel and a virtual currency owned by the user; and an advertisement of the sponsor presented on the reward channel to the user. If selected, the sponsor's It is characterized in that to perform the function of presenting the WARNING and linked information.

  According to the application program, the function of presenting the reward channel may not provide a function of displaying an advertisement regardless of the user's intention when using the application, and the user does not feel the advertisement in the way. Can be used. In addition, when a predetermined input operation is performed by the user during use of the application, the virtual currency is issued, so that the motivation to visit the reward channel can be given to the user by accumulating the virtual currency. . Therefore, through the reward channel, it is possible to appropriately give advertisement and marketing opportunities to the sponsor of the application.

It is a schematic block diagram of the virtual currency system which concerns on embodiment of this invention. It is a functional block diagram of the principal part which comprises the virtual currency system which concerns on embodiment. It is a figure for demonstrating the relationship with the merchant terminal using the virtual currency system which concerns on embodiment, an application developer terminal, and a user terminal. It is a figure for demonstrating the processing operation of the transaction tracking module in the virtual currency system which concerns on embodiment. It is a figure for demonstrating the processing operation of the security module in the virtual currency system which concerns on embodiment. It is a figure for demonstrating the processing operation of the audit module in the virtual currency system which concerns on embodiment. It is an example of the display screen of the application utilized with the virtual currency system which concerns on embodiment. It is an example of the display screen of the application utilized with the virtual currency system which concerns on embodiment. It is an example of the display screen of the application utilized with the virtual currency system which concerns on embodiment.

  Embodiments of a virtual currency management method, a virtual currency system, an advertising method in the virtual currency system, and an application program according to the present invention will be described below with reference to the drawings. The embodiment described below is a preferred specific example of the present invention, and thus various technically preferable limitations are given. However, the scope of the present invention is particularly limited in the following description. Unless otherwise stated, the present invention is not limited to these forms.

  FIG. 1 is a diagram showing a schematic configuration of a virtual currency system according to an embodiment of the present invention. A virtual currency system 200 includes a computer server (hereinafter referred to as a server) 100, a terminal device (user terminal) 20 used by a user, and an application, which are communicably connected via a communication network 50 such as the Internet. Each terminal device (application developer terminal) 30 used by the developer is configured to include one or more terminal devices (merchant terminals) 40 used by the merchant (merchant).

  The user terminal 20, the application developer terminal 30, and the merchant terminal 40 are a computer device including an arithmetic processing unit (microcomputer), a storage unit, an operation unit, and a communication unit (not shown), for example, a personal computer or a smartphone, a mobile phone, a tablet It is comprised by terminal devices, such as (multifunctional portable terminal).

  From the merchant terminal 40 to the application developer terminal 30, various information on the merchant as a sponsor supporting the development of the application, for example, information on products and brands handled by the merchant (images, videos, sounds, texts, etc.) Data). The developed application is uploaded from the application developer terminal 30 to the server 100.

  In addition, an application is downloaded from the server 100 to the user terminal 20, and the application can be used using the user terminal 20. While the application is being used, various types of information (data) are exchanged in a state where the user terminal 20 and the server 100 can communicate with each other (online state) based on an embedded application program.

  The server 100 also receives and stores data, and executes necessary and appropriate components for executing appropriate computing instructions such as a processing unit (microcomputer) 102, a read-only memory (ROM) 104, a random access memory ( RAM) 106, disk drive 108, Ethernet port, input / output unit 110 such as a USB port, liquid crystal display, illumination display, display unit 112 including other appropriate displays, communication link 114, operation unit (user interface) such as a keyboard It is composed of devices including 116.

  The disk drive 108 is configured by a storage device such as a solid state drive, a hard disk drive, an optical drive, or a magnetic tape drive. One or more disk drives 108 can be provided. The server 100 may have a predetermined operating system 118 stored in the disk drive 108 or the ROM 104.

  The communication unit 114 includes one or more external computing devices, for example, various servers, personal computers, terminal terminals, smartphones, wireless and portable computing devices including tablets, and other portable computing and communication devices. A plurality of communication means that can be connected to a device, and at least one of the communication units 114 functions as a communication means of a telephone, the Internet, Ethernet (registered trademark) or a combination thereof, It can be connected to the computer network 50.

  As such, server 100 may be configured with any computing architecture, including a stand-alone PC, client-server architecture, dumb terminal / mainframe architecture, or other suitable architecture. A program that operates appropriately according to instructions or codes for execution is installed.

  FIG. 2 is a functional block diagram of a main part constituting the virtual currency system 200 according to the embodiment. It should be noted that virtual currency can include any type of virtual or electronic currency, such as virtual cash, reward points, redemption coupons or other currency, for use in virtual online markets or online transactions. However, the present invention is not limited to this. Also included are transactions in an electronic transaction / payment environment that is used to cancel or complete a transaction and where the transaction or part or all of the transaction takes place online, or an actual transaction by a person.

  Further, the virtual currency may exist as data having a structure that can be exchanged in an online market environment so that it can be processed as one virtual coin (Vcoin) or a plurality of virtual coins (Vcoin). It has become. In addition, online market environment and online transactions are not limited to transactions executed on computer networks such as the Internet, and the market for transactions, but are not limited to online transactions, electronic bill exchanges, online payment platforms, or between merchants and users. Can include individual transactions, online transactions where the exchange of funds for transactions is settled online.

  In the virtual currency system 200 according to the embodiment, the server 100 uses a transaction (software) that uses a virtual currency as a current currency between an individual user 21 (user terminal 20) and a merchant 41 (merchant terminal 40). The system is configured to manage a system in which a series of transaction processing) occurs.

  The server 100 includes a virtual currency (Vcoin) generation module 202 that generates one or more virtual currency basic units called virtual coins or Vcoin, a virtual currency bank module 204 that has a function of storing and calculating virtual currency, and online transactions. It is configured (programmed) with a system including a transaction engine 206 that executes processing for detecting the transaction event. The transaction engine 206 is programmed to include a transaction tracking module 400, a security module 500, and an audit (accounting inspection) module 600, which will be described later.

  The server 100 according to the present embodiment is appropriately programmed so as to facilitate the operation of the virtual currency system 200 by permitting, executing, and monitoring a transaction event that occurs in an online market environment or online transaction.

  In online markets and online transactions, users and merchants can trade through computer networks such as the Internet to exchange for virtual currency processed by the virtual currency system 200. .

  The virtual currency generation module 202 is configured to individually generate virtual currencies having specific values under the control of the virtual currency system 200. Under the control of the virtual currency system 200, the quantity of the generated virtual currency is strictly controlled so as to be optimal in the market. The virtual currency bank module 204 has a virtual currency storage function and a calculation function.

  The transaction engine 206 has a function of facilitating individual transaction processing using a virtual currency as a current currency currency, and is a program that executes processing for detecting transaction events in online transactions. Each transaction event is executed in a previously generated virtual currency having a basic unit, and the basic unit of the virtual currency has a unique identifier (ID). A user who wishes to exchange for other users or merchants' virtual currency or products can use the transaction engine 206 to perform such exchanges.

  A virtual currency called virtual coin or Vcoin is generated by a virtual currency (Vcoin) generation module 202 installed in the server 100. In the preferred embodiment, each virtual currency (Vcoin) is a specific value (eg, each Vcoin has a value of 1 Vcoin), but these virtual currencies may have different values.

  The virtual currency generation module 202 is controlled by an authorized person 203 who is given approval to generate a virtual currency (Vcoin). Since the creation of multiple virtual currencies (Vcoin) has a significant impact on the value of virtual currencies (Vcoin) in the online market, the authority 203 approves the creation of virtual currencies (Vcoin) while taking into account certain economic effects. Is done.

  In this embodiment, each virtual currency (Vcoin) exists as computer-readable data, and unique identification data (identification code or identifier) used to label or refer to a specific virtual currency (Vcoin) have. In order to protect the authenticity (reliability) of virtual currency (Vcoin) and reduce or eliminate the possibility of artificial duplication by unauthorized persons, virtual currency (Vcoin) data or its unique identifier It is encrypted with a security key.

  When the virtual currency (Vcoin) is generated by the virtual currency (Vcoin) generation module 202, the virtual currency (Vcoin) is stored in the virtual currency (Vcoin) bank module 204. Since Vcoin is a virtual currency and exists as computer data, the virtual currency (Vcoin) bank module 204 is composed of programmed modules that fully describe the quantity of virtual currency (Vcoin).

  In the present embodiment, the virtual currency bank module 204 manages the quantity of virtual currency (Vcoin) held or owned by a specific party. These parties can include a user 21, a merchant 41 and a virtual currency system administrator 51. In the embodiment, the plurality of virtual currency bank modules 204 having one or more accounts are implemented for each user 21 who uses the virtual currency (Vcoin) as the current currency.

  However, in the preferred embodiment, the virtual currency bank module 204 is configured to account for all virtual currencies (Vcoins) traded in the online market. All the virtual currencies (Vcoin) include those owned by the administrator 51, the merchant 41, the user 21 or other stakeholder (the person who deposits money) of the virtual currency system. Thus, in a preferred embodiment, the server 100 includes one virtual currency bank module 204 having a plurality of accounts corresponding to each of the user 21, the administrator 51, and the merchant 41, but the virtual currency One skilled in the art will appreciate that the bank module 204 can be replicated to another computer as different modules that communicate with each other, operating as a single module entity, depending on geographic requirements and network design. .

  In the present embodiment, each stakeholder and each user 21 of the virtual currency system 200 have individual accounts (accounts) in the virtual currency bank module 204. The account history and balance adjustment of each stakeholder and user 21 after the transaction are processed with each stakeholder. The virtual currency bank module 204 is audited (accounting inspection) by the audit module 600 (FIG. 6).

  Also, an embodiment of the audit process is described in more detail with reference to FIGS. 5 and 6, and the audit module 600 allows fraud on specific account balances due to transaction events accessed by unauthorized users. The function which reduces property can be provided.

  As shown in the present embodiment, the virtual currency bank module 204 can exchange data with the transaction engine 206. The transaction engine 206 is configured to facilitate control and adjustment of transactions of virtual currency (Vcoin) as a current currency currency. In this embodiment, the transaction engine 206 is configured to access when a transaction between multiple parties is promised to execute a transaction, and detects and processes a transaction request sent from either party. Is allowed to.

  When a transaction request is initiated by the merchant 41, the user 21 or other owner (party) that has an interest in performing the transaction, the transaction request is received by the transaction engine 206. Next, the transaction engine 206 processes the transaction request to allow execution of the transaction.

  To perform or execute a transaction, the virtual currency (Vcoin) balance of each party's account in the virtual currency bank module 204 is updated to reflect the transfer of the virtual currency (Vcoin) between the parties.

  Following the update of the balance of each party involved in the transaction, transaction details including all transaction information related to the transaction are recorded. Preferably, the transaction engine 206 is configured to perform various security checks (208) of the transaction to verify its authenticity and the nature of the transaction so as to minimize fraud. This is performed by the security module 500 described in more detail with reference to FIGS.

  FIGS. 2 and 3 illustrate an example of a process by which stakeholders can conduct transactions using virtual currency (Vcoin) in an online market environment. In this example, interested parties including the user 21, the merchant 41, or the manager 51 interact with the transaction engine 206 of the server 100 in turn by sending a transaction request from each terminal device to the server 100. Can be done.

  The manager 51 of the virtual currency system 200 (one person or group who is responsible for operating, managing (processing) and managing the virtual currency system, or a group responsible for managing the virtual currency system) must first provide the merchant 41 with some virtual currency (Vcoin). Can do. Thereafter, the merchant 41 can supply the user 21 with rewards, benefits, and other exchange items via the reward channel 210 or other customer communication channel for initiating a transaction with the user 21. It has become.

  In the present embodiment, the reward channel 210 may be managed by the administrator 51 of the virtual currency system 200. The reward channel 210 is then used by the user 21 to obtain the user's virtual currency (Vcoin) from the merchant 41 that distributes rewards, rewards or other exchange items via the reward channel 210 to a specific reward, reward or other Exchange for a replacement item.

  FIG. 3 shows the relationship between an application (application program) 300, an application user 21, an application developer (hereinafter referred to as an application developer) 31, and a sponsor commercial transaction 41 in the virtual currency system 200 according to the embodiment. It is the schematic diagram which showed conceptually.

  The application developer 31 using the application developer terminal 30 acquires sponsorship such as merchandise or financial support from the sponsor 41 and sponsor information 302, and creates an application 300 including the reward channel 210. Such an application 300 is constructed to function as a computer program or a web or mobile application program.

  The application 300 is downloaded to the user terminal 20 by the user 21 of the application, and when a predetermined (specific) task (action) is executed on the application of the user terminal 20 (304), virtual coins are transferred to the user 21. Issued (306). The user 21 acquires the virtual currency, and the acquired virtual currency data is stored / updated by a storage unit (virtual currency storage unit) or a virtual currency bank module 204 (not shown) of the user terminal 20. The specific action of the predetermined task described above is programmed in the application 300 by the application developer 31. Further, the virtual currency bank module 204 function of the server 100 stores the issued amount of virtual currency in association with each user 21 (user ID).

  In the reward channel 210, the user 21 can give a reward to the user 21 (310) by performing a procedure (a settlement process) for exchanging his / her virtual currency for the product (308). Further, in the reward channel 210, it is possible to make a settlement with not only the virtual currency but also the sum of the virtual currency and the actual currency.

  The reward channel 210 is presented in the form of a computer program, one or more websites linked within a mobile application, or an interface. The reward channel 210 also has a function as a showcase for presenting various products and brands of the commercial trader 41 as a sponsor supporting the development of the application 300.

Since the use (viewing) of the reward channel 210 is not limited geographically, it is possible to give an opportunity for marketing and international publication to the merchant 41 including a company (312).
The merchant 41 provides sponsorship (support) 302 to the application developer 31. Sponsorship 302 is given in the form of goods or money. Application 300 is programmed by app developer 31 so that merchant 41 items and products can be presented through online reward channel 210.

  The application 300 is also programmed by the app developer 31 to incorporate into the reward channel 210 sponsor advertising 314 to promote sponsor 41 reputation, product, or brand penetration. The advertisement 316 presented to the user 21 through the user terminal 20 takes the form of an image provided by the sponsor 41, a promotion video, or a hyperlink.

  Thus, the user 21 can acquire Vcoin through the merchant 41 or the application developer 31. App developer 31 may provide merchant 41 with marketing opportunity 312 in exchange for sponsorship 302 in the form of receiving some virtual currency (Vcoin) for subsequent transactions or transactions with user 21. it can.

  The application developer 31 can effectively function as a management and distributor for the merchant 41 and can create other items that attract users 21 through apps, media and reward channels 210.

  The reward channel 210 can also be an online advertising portal, an online platform such as an app that can be deployed on an app store, and for the purpose of the user 21 acquiring or consuming virtual currency (Vcoin) Is configured to be accessible.

The user 21 can request to perform a predetermined task 304 to obtain virtual currency (Vcoin) from the merchant 41 or other party. Such a task 304, for example, sees a video clip that can include the following tasks: Play the game. Access web pages and apps. Visit shops and other physical places. Make a winner's bet on the betting game. Select Paul. Comment on the blog. Achieve specific goals in games and applications. Or any combination of these.

  When the task 304 is performed by the user 21, the user 21 may receive one or more virtuals by the recipient (such as a merchant 41, app developer 31 or other user) according to agreed terms. Currency (Vcoin) is given. When it is determined that the user 21 has been given one or more virtual currencies (Vcoin), a transaction request is sent to the transaction engine 206. The transaction engine 206 confirms the legitimacy of the transaction, and the transaction that is the recipient. The account balance of the user 41 and the application developer 31 and the balance of the account of the user 21 are updated.

  In the embodiment described with reference to FIGS. 2 and 3, the user 21 acquires virtual currency (Vcoin) via the merchant 41 and consumes (uses) virtual currency (Vcoin) via the reward channel 210. ) Has been described. In another embodiment, a mode in which the merchant 41, the user 21, and the manager 51 exchange their items with a virtual currency (Vcoin) without using the reward channel 210 may be adopted. In these examples, each transaction is processed by a request of transaction engine 206 so that the balance of one or all parties included in each transaction can be updated correctly. Also, if the transaction engine 206 may apply predetermined rules to determine whether the requested transaction is allowed before being executed by the transaction engine 206, a predetermined process for monitoring or management Applies.

FIG. 4 is a diagram for explaining functions of the transaction tracking module 400 included in the server 100 in the virtual currency system 200 according to the embodiment.
The transaction tracking module 400 includes a transaction database 402 and a data processing module 410. The transaction tracking module 400 has a function of tracking transaction events processed in virtual currency and recording individual transaction events, and is incorporated in the transaction engine 206. ing.

In the transaction database 402, transaction information associated with each of the transaction events is recorded. The data processing module 410 is configured to process transaction information for identifying one or more transaction trends.
Events and other transaction related data related to transaction events are stored in the transaction database 402 for further processing or reference, such as auditing, marketing or data mining applications.

  When a transaction event is detected or received by the transaction engine 206 (401), the transaction tracking module 400 is triggered to extract transaction information from the transaction event 401 (404). The extracted transaction information 406 includes various types of transaction information related to transactions executed by the merchant 41, the user 21, the manager 51, or other interested parties.

  For example, merchant 41, user 21, and stakeholder identification information (ID) participating in the transaction, transaction date and time, amount of virtual currency exchanged, goods and services exchanged for virtual currency, transactions and The terms of the transaction, one or more of the above are included.

  In addition to transaction information 406 extracted from transaction event 401, virtual currency (Vcoin) information used in this transaction is also extracted (408) and associated with this particular transaction. As described in the above embodiment, each virtual currency (Vcoin) includes a unique identifier, and the virtual currency (Vcoin) used for a specific transaction is associated with a specific transaction. Or it has one or more identifiers that are linked and recorded.

  The transaction information 406 and the Vcoin identifier (ID) are stored in the transaction database 402. The transaction database 402 is preferably in the form of a data storage device or system such as a flat file, hash table, although the use of a relational or object oriented database is preferred. By storing the transaction information 406 and the Vcoin identifier (ID) in association with each other in the transaction database 402, it is possible to associate the virtual currency (Vcoin) with the transaction event 401 used as the current currency. By allowing these associations to be recorded in the transaction database 402, transaction records can be retrieved for further analysis or processing. It can also track and detect individual virtual currency (Vcoin) based on transaction history to identify specific transaction trends such as virtual currency (Vcoin) acquisition and location and method of consumption. Data mining can be performed.

  The data processing module 410 is configured to be able to refer to, search, and process stored data in the transaction database 402 for the purpose of data mining, that is, to interact with the transaction database 402.

  The data mining format that can be executed is to identify the usage trend 414 of the individual or group virtual currency (Vcoin), where the usage trend 414 is where and how the specific virtual currency (Vcoin) is acquired or consumed Or data relating to virtual currency (Vcoin) exchanges and other statistics, including identifying merchant trends 416 or user trends 418.

  These trends can all be presented in a graphical plot 412 in a graphical plot or extracted as a spreadsheet. It will be appreciated by those skilled in the art that these various data trends can be extracted by a data mining process performed using the transaction database 402.

  FIG. 5 is a diagram for explaining functions of the security module 500 included in the server 100 in the virtual currency system 200 according to the embodiment. The security module 500 has a function of authenticating or verifying a transaction request before the transaction request is executed, and is incorporated in the transaction engine 206. A transaction request that violates the rules or is illegal is rejected (denied), while a legitimate transaction request is permitted (approved).

  In the present embodiment, when a transaction request is detected and transmitted to the transaction engine 206 (502), the transaction engine 206 starts connection (processing) with the security module 500 in order to verify the transaction request. First, it is confirmed whether the party involved in the transaction request is a legitimate (real) user 21 or a merchant 41 of the virtual currency (504). In this case, the identification information of each party involved in the transaction request is checked to determine whether each party has a legitimate account using virtual currency. This verification may include a check of each party's identification code following the check of the crypto bank module 204, which includes identifying the parties and whether their account is valid. And a check for whether it was reported that theft, hijacking, deletion or banning.

  The security module 500 is configured to perform an audit check of the accounts of the parties involved in the transaction. The audit module 600 is configured to audit the balance of each party's virtual currency (Vcoin) account and performs a real-time audit check of each party (506).

  If the party involved in the transaction request is determined to be valid (OK), the transaction details are verified (508) before the transaction is approved. In this embodiment, transaction details are checked against a rule database 510 that defines the type or volume of transactions allowed (508). As an example, the maximum transaction amount of the merchant 41 may be set to 100 Vcoins for transactions and 100 transactions in total per day. Those skilled in the art will appreciate that various rules (limitations) can be set and can be included, such as:

  For example, restrictions on the amount of transactions (transaction amount), restrictions on the type of goods or services exchanged, restrictions on the time and date of the transaction request, restrictions set on the identifier of the merchant 41 or the identifier of the user 21 or Limited, or any one or combination of the above.

  In addition to these restrictions and limitations, transaction requests can be checked for fraud by checking transaction requests against previous transaction histories. In these examples, the security module 500 is configured to check the transaction database 402 to determine whether the current transaction request follows past trends. If a transaction request does not fit in the past, it may be warned that it is fraudulent before the transaction is executed in order to perform the additional verification required by the transaction parties.

In the embodiment shown in FIG. 5, if transaction request 502 satisfies validation and rule check (Yes), the transaction is approved (512) and allowed to execute the transaction. If validation and rule check fail (No), the transaction request is denied (514) and a warning or alarm is triggered.
By causing the security module 500 to function and confirm and verify each transaction request 502, the probability that an unauthorized transaction will be executed can be greatly reduced.

  According to the virtual currency system 200 according to the present embodiment, the consistency and reliability of the virtual currency system can be improved, and the usability and adaptability for using the virtual currency as a real currency can be improved. it can.

  FIG. 6 is a diagram for explaining functions of the audit module 600 in the virtual currency system 200 according to the embodiment. The audit module 600 is configured to function by the security module 500 described in FIG.

  In the present embodiment, the audit module 600 has an account 601 in the virtual currency bank module 204 for holding the virtual currency (Vcoin), the individual account of the merchant 41, the user 21, and other interested parties. Configured to perform audits. Preferably, the audit module 600 is configured to be triggered by the security module 500 when a transaction request by an online market user is detected (502), but the periodic or random audit of the audit module 600 Execution of 602 is allowed for individual Vcoin accounts 601. These accounts are audited even when they are not used for transactions, which can improve the overall security of the entire cryptocurrency system 200.

  In the present embodiment, the audit module 600 may be systematically triggered (start operation) at random 602 or when a transaction request is detected by the audit module 600 (502). When the audit module 600 is triggered, the audit module 600 first searches for a virtual currency balance of an individual account associated with an individual transaction, or a randomly selected individual account (604). When the balance of the virtual currency is retrieved in the audit module 600, whether the account is legitimate against the transaction that has actually occurred, or whether the change in the account is an operating rule or rule database 608 of the virtual currency system 200. An individual account check is performed (606) to determine whether or not the

  To facilitate this audit process (606), the transaction database 402 and the rules database 608 are accessed by the audit module 600, which identifies existing and past transactions associated with individual accounts 601; It is specified whether the balance of the account 601 is correct or incorrectly adjusted. In this example, the balance total is calculated based on the history of transaction data to model the correct balance of the account. This modeled balance is compared with the actual balance of account 601, where it is inconsistent (changed) and is outside the predefined tolerance, the account is flagged as fraudulently traded. (612). In addition to this check, if balance discrepancies and changes are detected over a particular time, these changes are checked against the rules database 608 to see if there is a possibility of fraud.

  In some examples, by making unauthorized changes to the balance of the virtual currency bank, that is, the individual balance or virtual currency may be artificially adjusted by hacking or unauthorized access, and the virtual currency account may be tampered with. However, this embodiment is advantageous in that the audit module 600 can check the balance of the personal account against the transaction history. If there is an unauthorized access to manipulate the numerical value of the account, the audit module 600 confirms that there is a problem with this particular account and locks the unauthorized account. In addition, the audit module 600 can confirm typical or unnecessary account changes in individual accounts, and can further identify areas where fraud has occurred. For example, you can limit individual accounts with the amount of Vcoin held in one account and detect fraud if there is a significant increase over the normal rules where system regulations apply .

  In the present embodiment, the audit module 600 is configured to audit individual accounts, and when a fraud is not detected (audit OK) (610), the security module allows a pending transaction to proceed. 500 is notified. However, if a fraudulent event is detected (612) or the Vcoin account 601 does not meet audit requirements, the account is locked and an alert is sent to the cryptocurrency system administrator for action.

7 to 9 are examples of screen shots shown on the screen of the user terminal when the virtual currency system 200 according to the embodiment is used. The user 21 can start a transaction using a virtual currency (Vcoin) on a web browser or an application (hereinafter also referred to as an application) via a terminal such as a smartphone or a personal computer.
FIG. 7 shows a display example of a reward channel / app download menu 700 for an app that uses virtual currency. The display layout of the reward channel / app download menu 700 shown in FIG. 7 includes specific actions such as 702A for recording a video, 702B for playing a game, and 704A and 704B for downloading an app for earning virtual currency. A reward channel tab 702 that can be executed by the user and an app download tab 704 are included.

  By performing various actions available through the menu 700 of this app, the user 21 can earn virtual currency to spend on additional items, virtual as a reward for the merchant 41 or the developer 31 of these applications It is possible to pay currency.

Further, a sponsor advertisement display area 706 can be provided in the display layout of the menu 700. This advertisement display area 706 is provided with a logo display button 708 of a sponsor (for example, a specific merchant) 41 and a brand display button 710 of the merchant 41. When these buttons are selected, a more detailed sponsor is displayed. Links are made to switch to an introduction screen or brand introduction screen, such as a website of the sponsor company.
By providing channels to individual smartphone users through the app, marketing opportunities can be provided to merchants who are sponsoring the app and related parties.

  FIG. 8 shows a display example of a virtual currency balance display and virtual currency acquisition menu 800 of an application that uses virtual currency. The display layout of the balance display and virtual currency acquisition menu 800 shown in FIG. 8 includes a virtual currency (Vcoin) balance display area 802 of each user account and an “EARN VCOIN” section 810.

  In the virtual currency (Vcoin) balance display area 802, a virtual currency (Vcoin) balance of the user account, a button 804 for displaying a transaction history, a button 806 for executing some special processing, a virtual currency (Vcoin) ) Button 808 is displayed for proceeding to a page using. In these examples, when any of these function buttons is selected by the user, various databases are queried to present the appropriate results corresponding to the selected button.

  The “EARN VCOIN” section 810 includes operation buttons 812, 814, 816 that allow the user to perform various tasks such as watching videos, playing games, and downloading applications that acquire additional virtual currency (Vcoin). 818 is included. When one of the operation buttons is selected, a reward channel corresponding to the selected operation button, a virtual currency (Vcoin), or various merchants, applications, videos, etc. that provide a reward are guided.

  In addition, the display layout of the menu 800 can include a sponsor advertisement display area 820. The advertisement display area 820 is provided with a logo display button 822 of a sponsor (for example, a specific merchant) 41 and a brand display button 824 of the merchant 41. When these buttons are selected, a more detailed sponsor is displayed. Links are made to switch to an introduction screen or brand introduction screen, such as a website of the sponsor company.

  FIG. 9 shows a display example of an item exchange menu 900 of an application that uses virtual currency. The display layout of the item exchange menu 900 for redeeming a specific item using the virtual currency (Vcoin) shown in FIG. 9 includes a virtual currency (Vcoin) payment amount display area 901 and a cash QR code display area 902. And are included.

  In this item exchange menu 900, a QR code (registered trademark) 902 for exchange is automatically presented to the user, and in this case, five Vcoins have been exchanged in order for the user to purchase the items listed in the middle row. (Payed) is shown in the payment display area 901.

Upon receipt of the exchange QR code 902, other code or receipt number, the user 21 can present this exchange QR code 902 via his smartphone to the relevant merchant 41 and the actual item by QR code scanning Can be exchanged for.
Preferably, in many instances, an expiration date 904 can be provided to facilitate the replacement being performed as soon as possible. If the exchange is not performed within the period, the paid virtual currency (Vcoin) may be properly refunded to the user, administrator or merchant.

  Further, a sponsor advertisement display area 910 can be provided in the display layout of the menu 900. This advertisement display area 910 is provided with a logo display button 912 of a sponsor (for example, a specific merchant) 41 and a brand display button 914 of the sponsor 41. When these buttons are selected, more detailed sponsor introductions are provided. It is linked to a screen or a brand introduction screen, for example, a website of the sponsor company or the like.

  The virtual currency system 200 according to the above embodiment has an advantage that the use of the virtual currency can be tracked. As described in the above embodiment, in the virtual currency system 200, the transaction engine 206 is allowed to execute a transaction. The transaction engine 206 includes a transaction tracking module 400 that detects and records all transaction events, and a security module 500 and an audit module 600 that define and verify each transaction before the transaction is executed. It is possible to permit control of the transaction after confirming the details of the transaction of the user 21 who performed the transaction. Such enhancement of the control level and security can increase the resistance of the virtual currency system 200 to fraud, and can improve the adaptability as a current currency currency.

  Further, according to the virtual currency system 200 according to the above embodiment, the server 100 includes the virtual currency generation module 202, the virtual currency bank module 204, and the transaction engine 206, and the virtual currency used in the transaction event requested by the system. Can be verified and monitored in real time. In addition, the virtual currency generation module 202, the virtual currency bank module 204, and the transaction engine 206 can regularly and periodically audit the virtual currency. Therefore, data consistency and data integrity in the system can be ensured. Moreover, since each virtual currency has a unique identification number (ID) and is encrypted, it is not possible to make fake money, and a safe virtual currency system can be realized.

  Further, in the virtual currency system 200, since the virtual currency is monitored in real time by the server 100, the system administrator 51 and / or the user 21 can use the virtual currency that can be under the user 21 or the merchant 41, You can check if the system balances the generated money. Furthermore, in the virtual currency system 200, the system administrator 51 and / or the user 21 can track the location of each virtual currency and monitor the supply and flow of the virtual currency.

  Further, the virtual currency system 200 performs an organized and independent audit by the virtual currency generation module 202, the virtual currency bank module 204, and the transaction engine 206, and in the virtual currency generation module 202, the virtual currency bank module 204, and the transaction engine 206, Check transaction data. In other words, it is possible to provide a periodic audit system that is well-formatted in the virtual currency system 200.

  In addition, according to the virtual currency system 200 according to the above-described embodiment, the function of displaying an advertisement regardless of the intention of the user 21 when using the application 300 is provided by the function of presenting the reward channel 210 incorporated in the application 300. The user 21 can use the application 21 without feeling the advertisement in the way.

  In addition, when a predetermined task 304 is issued from the user 21 while the application 300 is being used, a virtual currency is issued (306), so that the user 21 is motivated to access the reward channel 210 by accumulating the virtual currency. Can be given. Accordingly, the advertising channel 316 and the marketing opportunity 312 can be appropriately given to the merchant 41 of the application 300 through the reward channel 210.

  Also, since the reward channel 210 begins a direct interaction between the user 21 and the merchant 41, the user 21 and the sponsoring merchant 41 are not directly connected until the user 21 opens the reward channel 210. Dialogue is not formed. Therefore, an advertisement is not displayed regardless of the intention of the user 21 when using the application 300, and the user 21 can use the application 300 without feeling the advertisement in the way.

  In addition, the sponsor's product is presented as a reward through the menu screens illustrated in FIGS. 7 to 9, and the sponsor (merchant) logo display button and brand display button are presented as advertisements in the advertisement display areas 706, 820, and 910 Therefore, the sponsored merchant 41 can appropriately obtain marketing opportunities for his product and his brand. In addition, the app developer 31 can flexibly select products and brands to be presented on the reward channel 210, and in order to promote penetration of the products and brands of the sponsor 41 and use of the application 300, a full-scale marketing plan Can be formulated.

  Also, the reward channel 210 is presented in the form of one or more websites or interfaces linked within the application (see FIGS. 7-9), which can be user-friendly. Further, the advertisement 316 of the merchant 41 serving as a sponsor takes the form of an image, a promotion video, a hyperlink, the logo of the sponsor, or a detailed description of the product of the sponsor. Can be increased.

  Although not essential, the above-described embodiment described with reference to the drawings may be implemented as an application programming interface (API), a series of libraries used by developers, or another software application, a terminal, It can be included within the operating system of a personal computer or portable computing device. In general, program modules include routines, programs, objects, components, and data files that assist in the execution of a particular function, and the software application functions can be any number to achieve the same function desired here. Those skilled in the art will appreciate that such routines, objects, or components may be distributed.

In addition, the system and method according to the present invention may not only be fully executed by a computing system, but also partially executed by the computing system and utilize any suitable computing system architecture. . This includes stand-alone computers, network computers, and dedicated hardware devices. When the terms “computing system” and “computing device” are used, these terms are meant to include any suitable configuration of computer hardware capable of implementing the described functionality.
It will be appreciated by those skilled in the art that many variations and / or modifications can be made to the present invention without departing from the spirit or scope of the invention. Accordingly, the above-described embodiment is illustrative and not restrictive.

100 servers
200 cryptocurrency system
202 Virtual Currency Generation Module
204 Virtual Currency Bank Module
206 Transaction Engine
208 Security check
21 users
41 merchants
51 Administrator
210 Reward Channel
300 applications
400 transaction trace module
500 security module
600 Audit module

Claims (39)

A method for managing virtual currency used in online transactions using a computer,
The computer is
Detecting a transaction event in the online transaction;
Each of the transaction events is executed by a pre-generated virtual currency, the virtual currency has a basic unit, the basic unit has a unique identifier,
Recording transaction information associated with each of the transaction events;
Processing the transaction information in order to identify one or more transaction trends.   The virtual currency management method according to claim 1, wherein the recorded transaction information is associated with the unique identifier of each basic unit of the virtual currency generated in advance.   The transaction information according to claim 2, wherein the transaction information is processed by the associated unique identifier to identify one or more transaction trends of each basic unit of the pre-generated virtual currency. How to manage virtual currency. Receiving one or more transaction requests for the one or more transaction events from a plurality of party terminals;
The virtual currency management method according to claim 1, further comprising: executing the one or more transaction requests for completing the one or more transaction events.   5. The virtual currency management method according to claim 4, wherein the one or more transaction requests are received from a plurality of party terminals in the online transaction.   6. The virtual currency management method according to claim 5, wherein the plurality of party terminals in the online transaction include terminals of an administrator, a merchant, and a user.   The virtual currency according to any one of claims 1 to 6, wherein the virtual currency generated in advance is electronically stored in an account held by each of the manager, a merchant, or a user. How to manage currency.   The one or more transaction trends are identified by searching and processing one or more transaction event histories associated with each unique identifier. How to manage virtual currency.   9. The virtual currency management method according to claim 4, wherein each of the transaction requests from the plurality of party terminals is confirmed before execution.   Each of the transaction requests verifies the authentic state of each of a plurality of parties involved in the transaction request and compares each transaction state associated with each of the transaction requests against a predefined transaction rule. The virtual currency management method according to claim 9, wherein the virtual currency management method is confirmed.   11. The virtual currency management method according to claim 10, wherein each of the transaction conditions associated with each of the transaction requests is further compared with the one or more transaction trends.   12. The virtual currency management method according to claim 9, wherein an account held in each of the plurality of parties involved in the transaction requirement is examined.   Each account of the plurality of parties is inspected by searching the account balance of an account held by each of the parties and inspected by comparing the balance against a predefined account balance status. The method for managing virtual currency according to claim 12, wherein   14. The virtual balance of claim 13, wherein a total balance is calculated from the one or more transaction event histories associated with each of the plurality of parties and compared to an account balance for each of the plurality of parties. How to manage currency.   15. The virtual currency management method according to claim 13, wherein the accounts held by the plurality of parties are randomly inspected.   16. The transaction information includes a merchant identifier, a user identifier, a date / time, an exchange, a virtual currency exchanged, or a combination of any of these. The virtual currency management method according to any one of the sections.   The virtual currency management method according to claim 1, wherein the unique identifier is encrypted.   The virtual currency management method according to claim 1, wherein the one or more transaction trends include a pattern of acquisition and payment of the virtual currency. A virtual currency system executed by online transactions using a computer,
A transaction engine for detecting a transaction event in the online transaction;
A transaction database that records transaction information associated with each of the transaction events;
Data processing means for processing the transaction information to identify one or more transaction trends,
Each of the transaction events is executed by a pre-generated virtual currency,
The virtual currency system has a basic unit, and the basic unit has a unique identifier.   20. The virtual currency system according to claim 19, wherein the recorded transaction information is associated with the unique identifier of each basic unit of the virtual currency generated in advance.   21. The transaction information of claim 20, wherein the transaction information is processed with the associated unique identifier to identify one or more transaction trends for each base unit of the pre-generated virtual currency. Virtual currency system. The transaction engine further receives one or more transaction requests for the one or more transaction events from a plurality of party terminals,
22. The virtual currency system according to any one of claims 19 to 21, wherein the virtual currency system is configured to execute the one or more transaction requests for completing the one or more transaction events.   23. The virtual currency system according to claim 22, wherein the one or more transaction requests are received from a plurality of party terminals in the online transaction.   24. The virtual currency system according to claim 23, wherein the plurality of party terminals in the online transaction include terminals of an administrator, a merchant, and a user.   The virtual currency according to any one of claims 19 to 24, wherein the virtual currency generated in advance is electronically stored in an account held by each of the administrator, a merchant, or a user. Currency system.   26. A method according to any of claims 21 to 25, wherein the one or more transaction trends are confirmed by searching and processing one or more transaction event histories associated with each unique identifier. Virtual currency system.   27. The virtual currency system according to claim 22, wherein each of the transaction requests from the plurality of party terminals is confirmed before execution.   Each of the transaction requests verifies the authentic state of each of a plurality of parties involved in the transaction request and compares each transaction state associated with each of the transaction requests against a predefined transaction rule. 28. The virtual currency system according to claim 27, which is confirmed by:   30. The virtual currency system of claim 28, wherein each transaction condition associated with each of the transaction requests is further compared to the one or more transaction trends.   30. A virtual currency system according to any one of claims 27 to 29, wherein an account held by each of the plurality of parties involved in the transaction requirements is examined.   Each account of the plurality of parties is inspected by searching the account balance of an account held by each of the parties and inspected by comparing the balance against a predefined account balance status. 31. The virtual currency system according to claim 30, wherein:   The virtual balance of claim 31, wherein a total balance is calculated from the one or more transaction event histories associated with each of the plurality of parties and compared to an account balance for each of the plurality of parties. Currency system.   The virtual currency system according to claim 31 or 32, wherein the accounts held by the plurality of parties are randomly inspected.   34. The transaction information includes a merchant identifier, a user identifier, a date / time, an exchange, an exchanged virtual currency, or any combination thereof. The virtual currency system according to any one of the sections.   The virtual currency system according to any one of claims 19 to 34, wherein the unique identifier is encrypted.   36. The virtual currency system according to any one of claims 19 to 35, wherein the one or more transaction trends include a pattern of acquisition and payment of the virtual currency. A virtual currency system having a function of supporting sponsor's advertisement using an application downloaded to a user terminal,
Virtual currency issuing means for issuing a virtual currency to the user when there is a predetermined input operation from the user while using the application;
A reward channel presenting means for presenting a reward channel including a function of presenting a reward exchangeable with the virtual currency and causing a user to select; and a function of presenting an advertisement of a sponsor of the application;
A reward exchange means for exchanging the reward selected by the user in the reward channel and the virtual currency owned by the user;
A virtual currency system comprising: advertisement information presenting means for presenting information linked to the sponsor's advertisement when the sponsor's advertisement presented on the online reward channel is selected by a user. The virtual currency system according to any one of claims 19 to 36, wherein the advertising method supports sponsor's advertisement using an application downloaded to a user terminal,
A virtual currency issuing means, when there is a predetermined input operation from the user during use of the application, issuing a virtual currency to the user;
A reward channel presenting means for presenting a reward channel including a function of presenting a reward exchangeable with the virtual currency and causing a user to select; and a function of presenting an advertisement of a sponsor of the application;
A step of exchanging a reward selected by the user in the reward channel with a virtual currency owned by the user;
An advertisement method comprising: an advertisement information presenting means for presenting information linked to the sponsor's advertisement when the sponsor's advertisement presented on the reward channel is selected by a user. An application program that causes a computer to function as a device that executes a virtual currency system having a function of supporting advertisement of an application sponsor,
In the computer,
A function of issuing a virtual currency to the user when there is a predetermined input operation from the user during use of the application;
A function for presenting a reward that can be exchanged for the virtual currency and causing a user to select; and a function for presenting a reward channel including a function for presenting an advertisement of a sponsor of the application;
A function of exchanging the reward selected by the user in the reward channel with the virtual currency owned by the user;
An application program for executing a function of presenting information linked to the sponsor's advertisement when the sponsor's advertisement presented on the reward channel is selected by a user.

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