JP2019139297A - Program, information processing device, information processing method and manufacturing method - Google Patents

Abstract

To provide a program and the like which can appropriately manage virtual currency owned by a user.SOLUTION: A program makes a computer perform process which executes transaction to accept setting input for setting a deposit amount by statutory currency; accept the setting input for setting a conversion sum exchanged into virtual currency, from the deposit amount; acquire the virtual currency according to the conversion sum; execute transaction operating the acquired virtual currency; determine whether or not operation profit is generated by the operation; and adjust a holding sum obtained by subtracting the conversion sum from the deposit amount, and a possession amount of the virtual currency used for the operation, when determining that the operation profit is generated.SELECTED DRAWING: Figure 3

Description

  The present invention relates to a program, an information processing apparatus, an information processing method, and a virtual currency transaction system manufacturing method.

  In recent years, interest in virtual currency has increased with the background of distributed ledger technology such as blockchain, and various methods of using virtual currency have been proposed. For example, Patent Document 1 discloses an information processing apparatus that accepts payment in virtual currency and notifies a delivery person to deliver a purchased product to a user's home when purchasing the product at a real store.

JP 2017-49967 A

  By the way, in order for a user to acquire and manage a virtual currency, the legal currency is charged (charged) into an application called a wallet or an online account provided by an exchange, etc., and part or all of the deposit amount is converted into a virtual currency. In general, the virtual currency is managed by the wallet, the account or the like.

  In the invention according to Patent Document 1, a method for using a virtual currency held by a user is described, but there is no mention of a method for managing a virtual currency.

  An object of one aspect is to provide a program or the like that can appropriately manage a virtual currency held by a user.

  The program according to one aspect receives a setting input for setting a deposit amount in legal currency, accepts a setting input for setting a cash amount to be converted into a virtual currency from the deposit amount, and the virtual currency according to the cash amount , Execute a transaction to operate the acquired virtual currency, determine whether or not an operating profit has been generated by the operation, and if it is determined that the operating profit has been generated, The computer is caused to execute a process for executing a transaction for adjusting the deducted holding amount and the holding amount of the virtual currency used for operation.

  In one aspect, the virtual currency held by the user can be managed appropriately.

It is a schematic diagram which shows the structural example of an information processing system. It is a block diagram which shows the structural example of a server and a terminal. It is explanatory drawing which shows an example of the record layout of user DB and member store DB. It is a functional block diagram which shows the structural example of an information processing system. It is explanatory drawing which shows an example of a payment screen. It is explanatory drawing for demonstrating a rebalance process. It is explanatory drawing for demonstrating the rebalance process over a some virtual currency. It is a flowchart which shows an example of the process sequence of a distribution setting process. It is a flowchart which shows an example of the process sequence of a payment process. It is a flowchart which shows an example of the process sequence of an operation process. 6 is a functional block diagram illustrating a configuration example of an information processing system according to Embodiment 2. FIG. FIG. 10 is an explanatory diagram for explaining an outline of a second embodiment. 10 is a flowchart showing a processing procedure of distribution setting processing according to the second embodiment. 10 is a flowchart illustrating an example of a processing procedure of a settlement process according to the second embodiment. 10 is a flowchart illustrating an example of a processing procedure of operation processing according to the second embodiment. It is explanatory drawing for demonstrating the management form of the virtual currency which concerns on the modification 1. As shown in FIG.

Hereinafter, the present invention will be described in detail with reference to the drawings illustrating embodiments thereof.
(Embodiment 1)
FIG. 1 is a schematic diagram illustrating a configuration example of an information processing system. In this embodiment, an information processing system that performs operation processing using virtual currency and electronic payment processing using legal currency will be described. The information processing system includes an information processing device 1, a terminal device 2, and a store terminal 3. The devices are connected to each other via a network N such as the Internet.

  The information processing apparatus 1 is an information processing apparatus capable of various information processing and information transmission / reception, and is, for example, a server apparatus or a personal computer. In the present embodiment, the information processing apparatus 1 is assumed to be a server apparatus, and will be read as the server 1 below for the sake of brevity. The server 1 functions as a virtual currency exchange, a sales office, and the like, and performs an operation process of accepting payment from a user and buying and selling the virtual currency. At the same time, the server 1 also functions as a payment processing device that provides an electronic payment service, and performs electronic payment processing up to the amount deposited by the user in legal currency.

  The terminal device 2 is an information processing terminal owned by the user, and is, for example, a smartphone, a personal computer, a tablet terminal, or the like. Hereinafter, for simplicity, the terminal device 2 is replaced with the terminal 2. An application program provided by the server 1, specifically, an application program that functions as a virtual currency wallet is installed in the terminal 2. The user holds virtual currency with the wallet. Furthermore, the wallet functions not only as a wallet for holding virtual currency, but also as an electronic wallet for performing electronic payment at a predetermined store. The user can charge the wallet with a part of the deposit amount in the legal currency instead of the virtual currency, and can receive an electronic payment service associated with the purchase of goods or services at the store up to the charged amount.

  The store terminal 3 is a terminal device installed in a member store that is a member of an electronic payment service provided by the server 1. One or more member stores are subscribed to the electronic payment service provided by this system, and the user can receive electronic payment at each member store. The store terminal 3 communicates with the user terminal 2 by NFC (Near Field Communication) communication or the like to accept an electronic payment request, and makes an electronic payment approval request to the server 1. When the settlement is approved, the server 1 remits the merchandise or service purchase amount to the member store.

FIG. 2 is a block diagram illustrating a configuration example of the server 1 and the terminal 2. The server 1 includes a control unit 11, a main storage unit 12, a communication unit 13, and an auxiliary storage unit 14.
The control unit 11 includes an arithmetic processing device such as one or a plurality of CPUs (Central Processing Units), MPUs (Micro-Processing Units), GPUs (Graphics Processing Units), and the program P1 stored in the auxiliary storage unit 14 is stored. Various information processing, control processing, and the like related to the server 1 are performed by reading and executing. The main storage unit 12 is a temporary storage area such as a static random access memory (SRAM), a dynamic random access memory (DRAM), or a flash memory, and temporarily stores data necessary for the control unit 11 to execute arithmetic processing. Remember. The communication unit 13 includes a processing circuit for performing processing related to communication, and transmits and receives information to and from the terminal 2 and the like.

  The auxiliary storage unit 14 is a large-capacity memory, a hard disk or the like, and stores a program P1 and other data necessary for the control unit 11 to execute processing. The auxiliary storage unit 14 stores a user DB 141 and a member store DB 142. The user DB 141 stores information on each user's wallet. The member store DB 142 stores information on each member store.

  The auxiliary storage unit 14 may be an external storage device connected to the server 1. Further, the server 1 may be a multi-computer composed of a plurality of computers, or may be a virtual machine constructed virtually by software.

  Further, in the present embodiment, the server 1 is not limited to the above configuration, and may include, for example, a reading unit that reads information stored in a portable storage medium.

The terminal 2 includes a control unit 21, a main storage unit 22, a communication unit 23, a display unit 24, an input unit 25, a position acquisition unit 26, and an auxiliary storage unit 27.
The control unit 21 includes one or a plurality of arithmetic processing devices such as a CPU and an MPU, and reads and executes the program P2 stored in the auxiliary storage unit 27, thereby performing various information processing and control processing related to the terminal 2. Etc. The main storage unit 22 is a temporary storage area such as an SRAM (Static Random Access Memory) or a DRAM (Dynamic Random Access Memory), and temporarily stores data necessary for the control unit 21 to execute arithmetic processing. The communication unit 23 includes an antenna for performing communication, a processing circuit, and the like, and transmits and receives information to and from the server 1 and the like. The display unit 24 is a display device such as a liquid crystal display or an organic EL (Elector Luminescence) display, and displays an image given from the control unit 21. The input unit 25 is an operation component such as a touch panel or a mechanical key, and receives an operation input from the user. The position acquisition unit 26 acquires position information of the terminal 2, for example, GPS (Global Positioning System) information.

  The auxiliary storage unit 27 is a nonvolatile memory such as a ROM (Read Only Memory), and stores a program P2 and other data necessary for the control unit 21 to execute processing. In addition, the auxiliary storage unit 27 stores data of the wallet 201 including virtual currency data held by the user and charge amount data charged for electronic payment. The wallet 201 holds information such as a wallet address and a secret key related to the virtual currency wallet.

  FIG. 3 is an explanatory diagram showing an example of the record layout of the user DB 141 and the member store DB 142. The user DB 141 includes a user ID column, a user name column, a wallet address column, a payment information column, and a setting information column. The user ID column stores an ID for identifying each user. The user name column stores the name of each user in association with the user ID. The wallet address column stores the wallet address of the wallet 201 of each user in association with the user ID. The payment information column stores information such as a charge balance charged in the user's wallet 201 and a payment history in association with the user ID. The setting information column stores setting information that defines a later-described virtual currency operation policy in association with the user ID. The setting information is diverse, for example, the trading limit of the virtual currency to be operated, quantity, type, operation method, trading partner that is the counterpart of the management transaction, and the presence or absence of permission from the user when performing the management. Details of the virtual currency operation process will be described later.

  The member store DB 142 includes a member store ID column, a store name column, an address column, and a remittance destination column. The member store ID column stores an ID for identifying each member store. The store name column stores the name of each member store in association with the member store ID. The address column stores the address of each member store in association with the member store ID. The remittance destination column stores information related to the remittance destination of the payment amount related to the electronic payment (for example, the financial account number of the member store) in association with the member store ID.

FIG. 4 is a functional block diagram illustrating a configuration example of the information processing system. The functional configuration of each device will be described with reference to FIG.
The terminal 2 has a wallet 201 and a mining unit 202. The wallet 201 functions as a virtual currency wallet and an electronic payment wallet. The wallet 201 accepts a distribution setting that distributes the deposit amount received from the user in legal currency into a cash amount that is converted into virtual currency and a holding amount (charge amount) that is held for electronic payment. The wallet 201 requests the server 1 to acquire the virtual currency equivalent to the exchange amount, and the server 1 receives the virtual currency equivalent to the exchange amount according to the request from the wallet 201, or has the virtual currency Obtained (purchased) from the user and stored in the wallet 201 of the terminal 2.

  FIG. 5 is an explanatory diagram showing an example of a deposit screen. The terminal 2 executes the program P2 and displays the deposit screen shown in FIG. The deposit screen includes a wallet address input column 51, a deposit amount column 52, a charge amount column 53, a currency selection column 54, and a conversion amount column 55. The wallet address input field 51 is an input field for inputting a user's wallet address. The user inputs his / her own wallet address, which has been established, in the wallet address input field 51. The wallet address may be registered in advance on the application program.

  The deposit amount column 52 is an input column for setting a deposit amount to be deposited by the user. The user inputs an arbitrary deposit amount into the deposit amount column 52, and deposits it to the administrator of this system by means such as bank transfer.

  The charge amount column 53 is an input column for setting the amount of money to be charged (held) in the wallet 201 for electronic payment out of the deposit amount. The user sets an amount to be held for electronic payment among the deposit amounts set in the deposit amount column 52.

  The currency selection field 54 is a selection field for selecting a virtual currency for cashing a part of the deposit amount. The user selects an arbitrary virtual currency in the currency selection field 54. The virtual currency to be converted is a virtual currency that is generally distributed, such as an existing virtual currency such as Bitcoin (registered trademark) and Ethereum, or a new virtual currency issued by a company, an individual, or the like. Or it may be a virtual currency unique to this system. In the present embodiment, first, it is assumed that the virtual currency handled by the system is a generally distributed virtual currency.

  The cash amount column 55 is an input column for setting a cash amount to be converted into virtual currency out of the deposit amount. The user sets the amount of money to be converted into the virtual currency selected in the currency selection field 54 in the amount of money field 55. In FIG. 5, only the monetary amount is shown in the monetary amount column 55, but the terminal 2 may display the amount of the virtual currency after monetization in addition to the monetary amount (legal currency amount).

  After completing the setting registration on the deposit screen, the server 1 executes a transaction for acquiring the virtual currency selected in the currency selection field 54 by an amount corresponding to the conversion amount set in the conversion amount field 55. For example, the server 1 broadcasts a purchase application to each node (other holder) having a wallet address, and acquires virtual currency from the other holder. The server 1 transmits the acquired virtual currency to the terminal 2 and stores it in the wallet 201. Further, the server 1 stores the charge amount set in the charge amount column 53 in the user DB 141.

  As shown in FIG. 5, the terminal 2 displays a plurality of currency selection fields 54 and a conversion amount field 55 so that a plurality of types of virtual currencies can be set. As a result, the wallet 201 holds a plurality of types of virtual currency.

  After the deposit amount distribution setting, the terminal 2 accepts a pre-set for operating a virtual currency, which will be described later, on a setting screen (not shown). Information to be set includes, for example, trading limit of virtual currency to be operated (upper limit when purchasing virtual currency and lower limit when selling), quantity, type, management method, trading partner who is the counterpart of the management transaction, For example, whether or not the user has permission for operation. In the present embodiment, as a virtual currency operation method, a virtual currency held by a user is converted to another virtual currency or a legal currency (rebalance) operation, and the virtual currency is invested (deposited) in a predetermined financial institution. Investment management, investment management that buys and sells new virtual currencies, stocks, bonds, and other investment issues newly issued by companies. Details of these operation methods will be described later. The user operates the terminal 2 to set a policy for operating the virtual currency in advance and transmits the policy to the server 1.

  As a result of the above-described distribution setting operation, virtual wall data held by the user is stored in the wallet 201 and a part of the deposit amount is charged. That is, the wallet 201 functions as a virtual currency wallet and also functions as a wallet for electronic payment. The wallet 201 communicates with the server 1 to perform operations such as buying and selling of virtual currency, deposits, and investments, and at the same time performs communication with the store terminal 3 to perform electronic settlement processing. Further, as will be described later, the wallet 201 performs automatic adjustment between the virtual currency held by the user and the legal currency charged for electronic payment, and performs a process of converting the two into each other. Details of this process will be described later.

  Returning to FIG. 4, the mining unit 202 causes the terminal 2 to function as a minor of the virtual currency, and executes arithmetic processing related to mining. For example, when the block chain related to the virtual currency employs an algorithm related to Proof of Work, the mining unit 202 executes a calculation process for searching for a correct nonce value from the hash value of the transaction data on the block chain. Whether or not to participate in mining is an arbitrary setting item by the user, and when not participating in mining, the terminal 2 does not have to execute processing related to mining.

The server 1 includes a settlement processing unit 101, an operation processing unit 102, a rebalance unit 103, a deposit processing unit 104, an investment management unit 105, a currency information acquisition unit 106, and an investment information acquisition unit 107.
The settlement processing unit 101 receives a settlement approval request from the store terminal 3 and performs a process of confirming the charge amount charged in the wallet 201 and performing a settlement approval. As described above, as the user purchases a product or service at a member store, the terminal 2 performs NFC communication with the store terminal 3 and requests electronic payment processing. When the payment request is accepted, the store terminal 3 requests the payment processing unit 101 to approve the electronic payment. In response to the request, the settlement processing unit 101 confirms the charge amount (balance) stored in the user DB 141 and approves the settlement. Thereafter, for example, the settlement processing unit 101 transmits a remittance request corresponding to the purchase amount to a financial institution system such as a bank, and the financial institution system remits money to the member store.

  The operation processing unit 102 performs operation processing for operating the virtual currency held by the user. In the present embodiment, the server 1 performs a process of operating part or all of the virtual currency converted by the user from the legal currency through equal amount rebalancing, deposit management, investment management, and the like, thereby acquiring an operating profit.

  Specifically, the operation processing unit 102 operates the rebalancing unit 103, the deposit processing unit 104, and the investment management unit 105 to operate the virtual currency. The rebalance unit 103 executes a calculation process related to equal amount rebalance between virtual currency and legal currency, or equal amount rebalance between a plurality of virtual currencies. The rebalancing unit 103 stores the virtual currency in the wallet 201 based on the information on the current value of each virtual currency acquired by the currency information acquisition unit 106 via the network N (hereinafter referred to as “currency information”). And the amount of legal currency that is charged for settlement. Alternatively, when the user holds a plurality of types of virtual currency, the rebalance unit 103 adjusts the holding amount of each virtual currency.

  FIG. 6 is an explanatory diagram for explaining the rebalancing process. FIG. 6 conceptually illustrates how the holding amount is adjusted between the virtual currency and the legal currency. Based on FIG. 6, the rebalancing process of each currency in the wallet 201 will be described.

  FIG. 6A conceptually illustrates the holding amount of each currency in the wallet 201 at the initial time point. In FIG. 6A, for convenience of explanation, the virtual currency indicated by “Coin X” in the hatched rectangular frame and the Japanese yen indicated by “JPY” in the white rectangular frame are in the wallet 201 at an equal ratio at the initial time point. It shall be managed.

  FIG. 6B illustrates a case where a certain period has elapsed and the value of the virtual currency held by the user has increased. For example, when the market value of the virtual currency held by the user increases for a certain period of time, the user acquires an operating profit. Alternatively, an operating profit is obtained through exchange with other virtual currencies, which will be described later, deposit management, investment management, and the like.

  When an operational profit occurs, the rebalancing unit 103 executes transaction processing based on the equal amount rebalancing and performs exchange between the virtual currency and the legal currency to adjust the holding amount of each currency. Equal amount rebalancing is one of the investment methods in the financial field, and is a distributed management method that adjusts the holding amount so that the asset value is equally divided among multiple investment issues.

  FIG. 6C conceptually illustrates the holding amount of each currency after rebalancing. As shown in FIG. 6B, when an operating profit in virtual currency is generated, the rebalance unit 103 identifies the amount of the operating profit. First, the rebalancing unit 103 separates a part of the specified operational profit for accumulation. In FIG. 6C, about one third of the operating profit is accumulated. The funding ratio is an arbitrary setting item, and for example, a ratio that the user desires may be set. The virtual currency corresponding to the reserve amount is not used for operation in the subsequent processing and remains stored in the wallet 201. As a result, a part of the operating profit is automatically separated and saved.

  The rebalancing unit 103 may convert a part of the operational profit separated for funding into a legal currency instead of a virtual currency and hold it. Accumulation in legal currency with less price fluctuation than virtual currency will make the user's savings more stable.

  Next, the rebalancing unit 103 converts half of the remaining operating profit into legal currency. In FIG. 6C, one third of the operating profit is converted into legal currency. The converted legal currency is charged in the wallet 201 for settlement, and the user can use it for electronic settlement at the member store.

  As described above, the rebalancing unit 103 equally distributes the operating profit to the virtual currency and the legal currency, and adjusts the holding amount of each currency. As a result, risk is diversified when managing a virtual currency whose value fluctuates drastically, and extreme management is corrected. In addition, the charge amount of the wallet 201 can be automatically increased, so that the user does not need to make a new charge every time a payment is made at the member store, and convenience can be improved.

  FIG. 7 is an explanatory diagram for explaining the rebalancing process across a plurality of virtual currencies. In FIG. 6, for the sake of brevity, the equal amount rebalancing between one virtual currency and the legal currency has been described. However, when the user owns a plurality of types of virtual currencies, the rebalancing unit 103 determines whether each currency has Rebalance the amount. For example, when the value of each virtual currency increases or decreases as shown in FIG. 7A, the rebalancing unit 103 specifies the revenue and profit / loss in each currency based on the currency information. The rebalancing unit 103 sells part or all of the revenue of the virtual currency in which revenue is generated, and purchases a quantity corresponding to part or all of the profit and loss in the virtual currency in which profit or loss has occurred. Thereby, as shown to FIG. 7B, the rebalance part 103 adjusts the possession amount of each currency. The rebalancing unit 103 adjusts the holding amount between the virtual currency and the charge amount when the revenue is generated comprehensively, and distributes the virtual currency and the charge amount so that the holding value becomes equal.

  As described above, the rebalance unit 103 adjusts the holding amount between the virtual currency and the charge amount or the holding amount between the virtual currencies by using the equal amount rebalancing method. Thereby, the user can operate a stable virtual currency. At the same time, the amount charged to the wallet 201 does not decrease by performing exchange with the charge amount (statutory currency) only when investment profit (revenue) occurs in virtual currency, It is possible to prevent a situation in which the payment amount is insufficient when purchasing a product at a member store.

  In the above description, it is described that the operation between the virtual currency and the charge amount (statutory currency) or between the virtual currencies is performed in the wallet 201. However, in the present embodiment, the server 1 is not only operated in the wallet 201. Also, virtual currencies are operated by other methods with external institutions as trading partners.

  Returning to FIG. 4, the description will be continued. The deposit processing unit 104 invests (deposits) the virtual currency held by the user in a predetermined financial institution and receives a dividend. For example, the deposit processing unit 104 executes a transaction for transmitting (transmitting) a part or all of the virtual currency held by the user to a financial institution such as a bank or an exchange. The deposit processing unit 104 receives a dividend according to the investment amount from the financial institution after a certain period, and returns the dividend to the wallet 201. For example, the terminal 2 accepts in advance a setting input for setting whether or not to make a contribution (deposit), which financial institution to invest in, and the amount of virtual currency to contribute, and stores the setting contents in the user DB 141. . The deposit processing unit 104 remits the virtual currency in the wallet 201 to the financial institution according to the contents set by the user, and receives a dividend in accordance with the provision with the financial institution.

  The investment management unit 105 executes a process of investing in a company, an individual, or another institution by so-called ICO (Initial Coin Offering) or the like. Taking ICO as an example, the investment management unit 105 acquires public information relating to the issuance of a new virtual currency (token) from a company or the like, and notifies the terminal 2 of the public information. The user refers to the public information notified from the investment management unit 105 (for example, the business contents of the issuing company, the amount of token sales, etc.) and uses the virtual currency that he owns (or newly enters the legal currency). (You may make a deposit and use the deposit amount as a starting point) Input to the terminal 2 whether or not to purchase a new virtual currency. The terminal 2 requests the server 1 to acquire (purchase) a new virtual currency based on the input content. The investment management unit 105 acquires a new issue currency based on a request from the terminal 2 and transmits it to the wallet 201.

  In the above, the user himself / herself decided to make a decision regarding ICO. However, for example, a contract concerning investment management is concluded between the administrator of the system and the user, and an operator on behalf of the user makes a decision. May be. In addition, the decision making itself may be automated to determine whether or not to make an investment based on information received from the issuing company by the server 1 and automatically acquire a new currency. For example, the user sets these operation policies in advance and stores them in the user DB 141. The server 1 executes a transaction related to investment management according to the setting information related to the management policy stored in the user DB 141.

  In the above description, investment management has been described by taking ICO as an example. However, stocks, bonds, and other investment brands may be targeted for investment. That is, the investment object is not limited to virtual currency, and may be other assets.

  As described above, this system realizes the operation of virtual currency and the settlement in legal currency in one wallet 201. By charging a part of the deposit amount for settlement in a legal currency with a stable value, and using it for settlement at a member store, stable settlement becomes possible. In addition, by using the virtual currency for rebalancing between currencies, depositing in financial institutions, investing in companies, etc., it is possible to acquire operational profits and increase the asset value held by the user. Furthermore, convenience can be further improved by returning the operating profit to the charge amount according to the market value of the virtual currency.

FIG. 8 is a flowchart illustrating an example of a processing procedure of distribution setting processing. Based on FIG. 8, the process of setting the distribution of legal currency and virtual currency will be described.
The control unit 21 of the terminal 2 displays the deposit screen illustrated in FIG. 5 according to the operation input by the user (step S11). The control unit 21 receives a setting input for setting a deposit amount in legal currency via the deposit screen (step S12).

  Further, the control unit 21 accepts a setting input for setting a distribution between the held amount held in the legal currency and the converted amount to be converted into the virtual currency among the received amounts (step S13). Specifically, the control unit 21 receives a setting input of a charge amount to be charged for settlement, and also receives a setting input of a type of virtual currency to be converted and a converted amount to be converted into each virtual currency.

  Furthermore, the control unit 21 accepts input of setting information that defines a virtual currency operation policy (step S14). The information set in step S14 includes, for example, trading limits of the virtual currency to be operated (upper limit when purchasing virtual currency and lower limit when selling), quantity, type, operation method, and transaction of the other party It is the presence or absence of permission of the user when executing the transaction related to the other party and the operation. As described above, the operation method is, for example, the operation of the currency itself for converting the virtual currency held by the user into another virtual currency or legal currency, the investment operation in which the virtual currency is invested (deposited) in a predetermined financial institution, a company, etc. This includes, but is not limited to, new virtual currency, stock management, bonds, and other investment issues. The user operates the terminal 2 to set a policy for operating the virtual currency in advance and transmits the policy to the server 1. When operating the user's virtual currency, the server 1 operates (transactions) in accordance with the operation policy defined in the setting information. The control unit 21 notifies the server 1 of the distribution of the deposit amount set in step S13 and the setting information set in step S14 (step S15).

  When the notification is acquired from the terminal 2, the control unit 11 of the server 1 determines whether or not there is a payment from the user (step S16). When it determines with it being non-payment (S16: NO), the control part 11 waits for a process. When it determines with there having been payment (S16: YES), the control part 11 memorize | stores the holding amount (charge amount) set by step S13, and the setting information input by step S15 in user DB141 (step S17). . Further, the control unit 11 acquires (purchases) the virtual currency corresponding to the exchange amount set in step S13 from the network N, and executes a transaction for transmitting (sending money) to the terminal 2 (step S18). The control unit 21 of the terminal 2 stores the virtual currency data received from the server 1 in the auxiliary storage unit 27 (wallet 201) (step S19), and ends a series of processes.

FIG. 9 is a flowchart illustrating an example of the processing procedure of the payment process. Based on FIG. 9, processing contents of the settlement processing will be described.
The control unit 11 of the server 1 accepts an approval request for electronic payment processing accompanying purchase of a product or service from the store terminal 3 of the member store (step S31). For example, the terminal 2 performs NFC communication with the store terminal 3 and requests the store terminal 3 to execute a settlement process. When the execution request is received, the store terminal 3 requests the server 1 to approve payment for the purchase amount of the product or service. When the approval request is received, the control unit 11 refers to the user DB 141 and determines whether or not to approve the settlement based on the amount held (balance of charge amount) held in the wallet 201 (step S32). . When it determines with accepting a payment (S32: YES), the control part 11 returns the effect which approves a payment to the shop terminal 3 (step S33). Moreover, the control part 11 performs the payment process which performs remittance for purchase amount (step S34). For example, the control unit 11 transmits a remittance request to a financial institution such as a bank, and the system of the financial institution performs remittance. If it is determined that the payment is not approved (S32: NO), the control unit 11 sends back to the store terminal 3 that the payment approval is rejected (step S35). The control unit 11 ends the series of processes.

FIG. 10 is a flowchart illustrating an example of the procedure of the operation process. Based on FIG. 10, the processing content of the virtual currency operation processing will be described.
For example, the control unit 11 of the server 1 executes the following processing by batch processing. The control part 11 performs the transaction which operates the virtual currency which a user holds (step S51). For example, as described above, the control unit 11 transmits a part or all of the virtual currency held by the user to the financial institution, thereby executing a transaction for obtaining a dividend according to the investment amount. Further, for example, the control unit 11 executes a transaction for acquiring (purchasing) a virtual currency (token) newly issued from a company, an individual, or the like using the virtual currency held by the user. In addition, the control unit 11 buys and sells brands such as stocks and bonds using the virtual currency held by the user. These operation methods are examples, and the control unit 11 only needs to be able to operate with the virtual currency held by the user.

  The control unit 11 acquires currency information of each virtual currency handled by the system via the network N (step S52). The currency information is information indicating the market value of the virtual currency. Based on the acquired currency information, the control unit 11 identifies the operational profit generated by the process of step S51 (step S53).

  The control unit 11 adjusts the holding amount of the virtual currency held by the user and the holding amount of the legal currency in the wallet 201 based on the identified operational profit, or adjusts the holding amount of the plurality of virtual currencies held by the user. A transaction is executed (step S54). For example, as described above, the control unit 11 determines whether or not investment profit (revenue) is generated by the operation of the virtual currency. If the operation profit is generated, the control profit is converted into the virtual currency and the legal currency. Execute equally distributed transactions. In this case, for example, the control unit 11 holds a part of the operating profit as a reserve amount in the virtual currency or in exchange for the legal currency, and equally distributes the remaining operating profit to the virtual currency and the legal currency. In the process of the next step S51, the control unit 11 does not use the virtual currency corresponding to the reserve amount for the operation, and operates using the remaining held currency.

  In addition, when the user has a plurality of virtual currencies, the control unit 11 identifies investment profits (revenue and profit / loss) generated by the operation of each virtual currency, and each virtual currency according to the identified investment profit. Adjust holdings. Specifically, the control unit 11 executes a transaction for selling a part or all of the revenue of the virtual currency in which the revenue is generated (exchanged for other virtual currency or legal currency). In addition, the control unit 11 executes a transaction for acquiring (purchasing) a quantity corresponding to part or all of the profit and loss of the virtual currency in which profit or loss has occurred. Thereby, the control part 11 distributes equally the holding amount of each currency. The control unit 11 transmits the data after the transaction execution to the terminal 2 (wallet 201) (step S55), and ends a series of processes.

  In the above description, the wallet 201 is prepared in the terminal 2 and the virtual currency is managed by the wallet 201. However, the present embodiment is not limited to this. For example, the server 1 may prepare an online account for each user and manage the virtual currency possessed by each user. That is, the virtual currency storage location may be online or a local terminal.

  In the above description, for the sake of convenience of explanation, the server 1 is the processing subject, and the settlement processing in the legal currency and the operation processing of the virtual currency are performed. However, the terminal 2 executes part or all of the series of processing. May be. For example, as for rebalancing between currencies, the terminal 2 may calculate the operating profit based on the currency information and execute a transaction so as to adjust the holding amount of each currency. Further, the terminal 2 may execute transactions relating to remittance and reception of virtual currency, and directly operate the virtual currency with financial institutions, companies, and the like. As described above, which computer resource is responsible for which process is an arbitrary design matter, and various design changes are possible.

  As described above, according to the first embodiment, it is possible to obtain operational profits by operating the virtual currency owned by the user. In addition, the amount of legal currency held in the wallet 201 and the legal currency holding amount (charge amount) can be automatically adjusted to achieve an appropriate balance between the two. Many virtual currencies have an upper limit on the amount to be issued, so their value fluctuates greatly. However, the above rebalancing process corrects excessive operation and allows the virtual currency to be managed appropriately. it can.

  Further, according to the first embodiment, a part of the investment profit is automatically accumulated, and more appropriate management is performed by allocating the remaining amount excluding the part of the operation profit to the operation and the retained amount. be able to.

  Further, according to the first embodiment, a plurality of types of virtual currency can be handled by one wallet 201, and the amount of each virtual currency is automatically adjusted, and the asset value of the virtual currency held by the user Can be maximized.

  Further, according to the first embodiment, payment is made at a member store using the legal currency charged in the wallet 201. For example, assuming that the amount corresponding to the charge in the present embodiment is held as a virtual currency, if the value of the virtual currency falls, the charge balance will be reduced soon, which is inconvenient for the user. . Therefore, by holding a part of the deposit amount received in legal currency for settlement, stable settlement is possible. Further, as described above, the legal currency holding amount and the virtual currency holding amount are adjusted, so that both can be appropriately managed. In other words, the wallet 201 is not simply a combination of a payment function represented by so-called electronic money and a virtual currency operation function, but functions as a hybrid wallet that exchanges the two and manages them with appropriate distribution. . Thereby, it is more convenient for the user, and a stable wallet can be provided.

(Embodiment 2)
In the first embodiment, the embodiment has been described in which a part of the deposit amount is charged in the wallet 201 and electronic payment is performed in legal currency. In the second embodiment, a mode will be described in which a part of the deposit amount is held in the wallet 201 as a virtual currency for settlement and settlement is performed using the virtual currency. In addition, about the content which overlaps with Embodiment 1, the same code | symbol is attached | subjected and description is abbreviate | omitted.

  FIG. 11 is a functional block diagram illustrating a configuration example of the information processing system according to the second embodiment. The server 1 according to the present embodiment includes a currency issuing unit 108 and an agreement determination unit 109 in addition to the settlement processing unit 101 and the operation processing unit 102. The currency issuing unit 108 issues a virtual currency unique to the system (hereinafter referred to as “unique currency”) to the user. The agreement determination unit 109 manages a unique currency mining process and performs a process of determining (forming) an agreement related to mining. Details of the mining agreement for the original currency will be described later.

  As shown in FIG. 11, in this embodiment, the settlement processing unit 101 accepts a settlement request not only from a member store that is a real store, but also from an EC site that is a virtual store on the network N (Internet). Settlement in virtual currency. The EC site is, for example, a shopping site where an exhibitor sells products. The settlement processing unit 101 performs electronic settlement on behalf of the EC site when the user purchases a product from the exhibitor using the EC site. When a payment request is received from the EC site, the payment processing unit 101 transfers the purchase amount to the seller (provider) of the product. Thereby, the user can perform what is called online shopping using the virtual currency which he owns.

  In the following description, a mode in which the unique currency issued by the server 1 is used for settlement and operation will be described.

FIG. 12 is an explanatory diagram for explaining an outline of the second embodiment. Based on FIG. 12, the settlement process and the operation process based on the virtual currency (original currency) will be described.
FIG. 12 conceptually illustrates the amount of virtual currency stored in the wallet 201, as in FIG. FIG. 12A shows the amount of virtual currency held before operation, and FIG. 12B shows the amount of virtual currency after operation. In FIG. 12, for the sake of brevity, the charge amount charged in the legal currency will be omitted, and the description will be made assuming that all of the deposit amount deposited in the legal currency is converted into virtual currency. A form in which legal currency can be charged to the wallet 201 will be described later in Modification 1.

  In the present embodiment, the wallet 201 stores a unique currency used for electronic settlement and a unique currency used for operation separately. The unique currency managed for settlement can be used for electronic settlement associated with the purchase of goods or services at member stores. The original currency used for operation is operated in the same manner as in the first embodiment. For example, the user sets the distribution of the settlement-specific currency and the management-specific currency on the same deposit screen as in FIG.

  Here, as in the first embodiment, in order to enable stable settlement, the original currency managed for settlement can be used for settlement at the same rate as the exchange amount at the time when the currency is acquired. it can. For example, if the user purchases 1 coin of 1 currency for 10,000 yen and sets 0.5 coin for payment and 0.5 coin for operation, the value of 0.5 coin held for payment varies Instead, it can be used for settlement of 5000 yen at the same rate as the purchase time (acquisition time).

  For example, when the currency issuing unit 108 of the server 1 accepts the payment from the user and issues the original currency for the amount of money received, the amount set for payment can be used for the payment at the same rate as the time of issue. Add contract information to the effect and issue your own currency. For example, when executing a transaction for issuing a unique currency and sending it to the wallet 201 of the terminal 2, the currency issuing unit 108 writes contract information to the transaction data indicating that it is exchanged (converted) with legal currency at the same rate as the issue point The transaction data is output on the block chain.

  A technology similar to this process is an Ethereum smart contract. The smart contract is a method of recording on the block chain what purpose the remittance is made when the Ethereum is transmitted (remitted) from the remittance side to the receiving side. For example, when a product is purchased in a virtual currency, information such as which product will be delivered to the purchaser by what time is written in a free area provided as a standard in the transaction data of the virtual currency. Thereby, the information written in the transaction data is recorded in the block chain that is difficult to falsify. In the present embodiment, as information to be written in the transaction data, contract information indicating that the original currency to be issued is converted into legal currency at the same rate may be written.

  When the user performs electronic payment at the member store, the payment processing unit 101 of the server 1 reads the contract information from the transaction data on the block chain, and the original currency stored in the wallet 201 for payment is the rate at the time of issue. Calculate the conversion amount. If the purchase amount by electronic payment is equal to or less than the convertible amount, the payment processing unit 101 executes a payment process for performing electronic payment using the virtual currency of the payment frame. Specifically, the settlement processing unit 101 executes a transaction for converting part or all of the virtual currency of the settlement frame into legal currency, and transfers the converted legal currency to the member store via the financial institution.

  The contract information described above may include not only a contract that defines a rate between the original currency and the legal currency, but also a hedge contract related to the exchange rate of the legal currency used for settlement. For example, when the wallet 201 according to the present embodiment accepts payments in a plurality of legal currencies (for example, Japanese yen and US dollars), the server 1 uses each legal currency at the same exchange rate as when the original currency was issued to the user. The information indicating that the settlement by can be used is written in the transaction data as contract information. Thereby, when using the original currency for settlement in each legal currency, the user can use it for settlement at the same rate as the acquisition time regardless of exchange rate fluctuations.

  For the unique currency set as the operation frame, the server 1 executes a transaction of virtual currency operation by exchange with other virtual currency, deposit operation, investment operation, etc., as in the first embodiment. When the operation profit is generated by the transaction, the server 1 equally distributes the operation profit and holds (returns) a part for settlement. As a result, as can be seen by comparing FIGS. 12A and 12B, the amount of virtual currency held for settlement increases.

  As described above, the server 1 accepts the setting input of the holding amount held for settlement and the exchange amount used for the operation, and issues a unique currency corresponding to each amount. Of these, the server 1 adds contract information for the unique currency held for settlement. When a settlement request is received from the user, the server 1 performs electronic settlement at the same rate as when it is issued based on the contract information. This enables stable settlement at a fixed rate without charging the wallet 201 in the legal currency as in the first embodiment. Further, by controlling the issue amount of the unique currency in the server 1, the unique currency can be set as an investment management target in the same manner as a general virtual currency.

  In the above, the server 1 has been described as receiving a deposit from a user and issuing a new unique currency. However, a user can purchase a unique currency held by another user without issuing a new unique currency. You may make it give to. That is, it is only necessary that the user can acquire the unique currency, and the acquisition path may be newly issued or acquired from another user.

  In the present embodiment, in order to promote the use of the unique currency by the user, the server 1 further performs a process of giving the user privilege information that can be used for electronic payment at the member store.

  For example, when the currency issuing unit 108 accepts payment from the user and issues a unique currency, the currency issuing unit 108 not only issues a unique currency equivalent to the deposit amount but also a coupon (privilege) that can be used for electronic payment at a member store. Information) is transmitted to the terminal 2. The coupon is, for example, a unique currency issued in excess of the deposit amount. That is, in the case of a privilege for a user who purchases a unique currency, the server 1 gives an extra unique currency. Thereby, an incentive to use the unique currency can be given to the user.

  Note that the server 1 may give the user other benefits instead of the unique currency itself. For example, the server 1 may issue an electronic coupon that can be discounted by electronic payment at a member store. That is, the server 1 provides a discount service as a privilege to use the unique currency for electronic payment. In this way, the privilege information (coupon) may be a privilege for a user who uses the unique currency, and may not be the unique currency itself.

  Further, the timing for issuing the coupon is not limited to when the original currency is acquired. For example, the coupon may be issued at the time of payment processing in which the user makes payment at a member store.

  Furthermore, the server 1 not only issues a coupon when acquiring a unique currency, at the time of payment, etc., but also gives privilege information to the user according to the operating profit of the virtual currency by the user or the amount of payment at the member store. Perform the process.

  Specifically, the server 1 uses a fee associated with mining as a privilege, forms an agreement for mining according to the operating profit of the virtual currency, or the payment usage amount at the member store, and grants it to the user. Specifically, the agreement determination unit 109 of the server 1 refers to the transaction data on the block chain at regular intervals, and totals the fees associated with each transaction performed during that period. The agreement determination unit 109 grants the fee associated with mining to the user as a privilege according to the user's operational profit or the settlement usage amount.

  For example, when the unique currency is assigned based on the investment profit, the agreement determination unit 109 refers to the data of the wallet 201 of each user and identifies the user who has the highest investment profit of the unique currency during the period. The agreement determination unit 109 transmits the collected fees to the wallet 201 of the user.

  Further, when the unique currency is assigned based on the payment usage amount, the agreement determination unit 109 may simply give the unique currency to the user having the highest payment usage amount. However, in the present embodiment, the location information of the user (terminal 2) is further combined to aggregate the payment usage amount used by the users for each region, and depending on the aggregation result, the affiliated store in the region where the payment usage amount is high Give your own currency to users who use.

  Specifically, the server 1 groups each member store into a plurality of regions according to the location. Then, the server 1 acquires location information from the terminal 2 at the time of payment, and totals the amount of payment used at the member store by region. Then, the server 1 gives a unique currency to the user who uses the region where the settlement usage amount is the highest.

  This not only gives a simple incentive to the user, but can also promote competition between regions. Therefore, service improvement for the user can be promoted.

  In addition, the server 1 ranks the payment usage amount in each region and assigns a unique currency. However, the information used as the basis for ranking is not limited to the payment usage amount. For example, the server 1 may issue a unique currency according to a vote result of a predetermined Internet vote. For example, the user performs a popularity vote for each member store by reading a QR code (registered trademark) with the terminal 2 at the member store. The server 1 counts the voting results and gives a unique currency to the user who uses the member store that has obtained the most votes according to the voting results. In this way, the server 1 only needs to be able to aggregate information associated with the user's payment behavior and grant a privilege to the user according to the aggregation result, and the information to be aggregated is not limited to the payment usage amount.

FIG. 13 is a flowchart illustrating a processing procedure of distribution setting processing according to the second embodiment. Based on FIG. 13, the deposit amount distribution setting process according to the second embodiment will be described.
After receiving the deposit input setting input (step S12), the control unit 21 of the terminal 2 executes the following processing. The control unit 21 accepts a setting input for setting a distribution between the retained amount of the unique currency (virtual currency) retained for the settlement process and the converted amount to the unique currency to be converted for operation (Step S201). The process proceeds to step S14.

  After determining that there has been payment from the user (S16: YES) and storing setting information related to operation in the user DB 141 (step S17), the control unit 11 of the server 1 executes the following processing. The control unit 11 acquires the settlement holding amount set in step S201 and a unique currency corresponding to the conversion amount for operation (step S202). In step S18, a new unique currency may be issued or purchased from another user who owns the unique currency.

  The control unit 11 issues, to the unique currency acquired for settlement, contract information indicating that it can be used for settlement processing at the same rate as the acquisition time acquired in step S18 (step S203). For example, the control unit 11 writes the contract information in the transaction data and outputs it on the network N (block chain).

  Further, the control unit 11 issues privilege information (coupon) that can be used for electronic payment at the member store according to the amount of the original currency acquired for payment (step S204). The coupon is, for example, a unique currency issued in excess of the original holding amount, or an electronic coupon that can be discounted when purchasing a product or service at a member store, but the content is not particularly limited.

  The control unit 11 transmits the unique currency for settlement with contract information, the unique currency for operation without contract information, and privilege information to the terminal 2 (step S205), and the process proceeds to step S19.

FIG. 14 is a flowchart illustrating an example of a processing procedure of the settlement process according to the second embodiment. Based on FIG. 14, processing contents of the settlement processing according to the second embodiment will be described.
The control unit 11 accepts an approval request for electronic payment processing (step S221). For example, the control unit 11 receives an electronic payment approval request from the store terminal 3 of a member store that is a real store or from an EC site that is a virtual store on the network N. Here, when the user uses (uses) the privilege information at the member store, the control unit 11 also acquires the privilege information together with the payment approval request. The control unit 11 determines whether or not to approve the settlement based on the retained amount (remaining amount) of the unique currency retained for settlement in the wallet 201 (step S222). In this case, based on the contract information issued in step S203, the control unit 11 calculates the retained amount of the unique currency at the same rate as the acquisition time, and determines whether to approve the settlement. In other words, the original currency acquired for settlement is converted into a legal currency at the same rate as the acquisition time, regardless of the subsequent price fluctuation of the original currency, and settlement is performed.

  When it determines with not accepting payment (S222: NO), the control part 11 transfers a process to step S35. When it determines with accepting a payment (S222: YES), the control part 11 returns the effect which approves a payment to the shop terminal 3 (step S223). And the control part 11 performs the payment process which performs remittance for purchase amount (step S224). In this case, the control unit 11 refers to the privilege information acquired in step S223, calculates the remittance based on the privilege information, and remits money to the member store. Further, when the settlement request is from the EC site, the control unit 11 sends money to the seller of the product on behalf of the EC site.

  After executing the settlement process, the control unit 11 acquires position information from the terminal 2 (step S225). And the control part 11 matches with the payment usage amount performed by step S224, and memorize | stores the acquired positional information in user DB141 (step S226). In step S241 to be described later, the control unit 11 refers to the position information associated with the payment usage amount and totals the payment usage amount for each region. The control unit 11 ends the series of processes.

FIG. 15 is a flowchart illustrating an example of a processing procedure of operation processing according to the second embodiment. Based on FIG. 15, processing contents of the operation processing according to the second embodiment will be described.
After identifying the operating profit generated in the operation of the original currency (virtual currency) (step S53), the control unit 11 of the server 1 executes the following processing. The control unit 11 refers to the user DB 141 and totals the payment usage amount of each user used at each member store in the plurality of regions based on the position information acquired from the terminal 2 (step S241). And the control part 11 provides privilege information which can be used for a payment process to a user according to the operation profit specified by step S53, or according to the total result of the payment usage amount totaled by step S241 (step S242). . The privilege information is, for example, a fee associated with mining in a unique currency. The control unit 11 forms a mining agreement according to the operating profit or the settlement usage amount, and executes a transaction for granting a fee related to mining to the user. For example, the control unit 11 transmits (remits) a fee generated by mining for a certain period to the wallet 201 of the user having the highest operational profit. In addition, for example, the control unit 11 transmits a fee to the wallet 201 of the user who uses the member store in the region where the settlement result sum is the highest among a plurality of regions grouped in advance. The control part 11 transfers a process to step S54.

  As described above, according to the second embodiment, the server 1 issues contract information indicating that payment is performed at the same rate as when the user acquires the original currency for payment, and performs payment according to the contract information. . As a result, a stable settlement can be made as in the first embodiment, regardless of the legal currency.

  Further, according to the second embodiment, it is possible to prompt the user to use the unique currency by giving a privilege according to the operating profit, the settlement use amount, and the like.

  Further, according to the second embodiment, a mining agreement is formed according to the operating profit or the settlement usage amount, and a fee associated with the mining is given to the user as a privilege. Thereby, it is not necessary to prepare separately the privilege given to a user according to an operation profit or the amount of payment use, and a privilege can be given to a user suitably.

  Moreover, according to this Embodiment 2, the payment usage amount of each of several area is totaled, and a privilege is provided to a user according to a total result. Thereby, competition between regions is promoted, and improvement of service for users can be expected.

  In the present embodiment, the server 1 issues a unique currency in consideration of business feasibility. However, the target virtual currency in the present embodiment is limited to the unique currency. is not. In other words, since it is only necessary to guarantee that the virtual currency is settled at the same rate as that at the time of acquisition, the virtual currency used for the settlement may not be a unique currency if there is no technical or business obstacle.

  In this embodiment, the administrator (server 1) of this system is the issuing entity and issues (gives) privilege information. However, this embodiment is not limited to this, The publisher of information may be a member store. In this case, the store terminal 3 or a POS (Point of Sales) server of the member store that manages the store terminal 3 issues privilege information and transmits it to the terminal 2.

  For example, the server 1 distributes and installs a predetermined application program for issuing privilege information to computers such as the store terminal 3 and the POS server. A computer such as the store terminal 3 or the POS server executes the program and issues privilege information to the terminal 2 when a predetermined condition is satisfied (for example, when the user acquires a unique currency). Then, the computer accepts a payment request from the terminal 2 at the member store, and executes a payment process using the privilege information. The payment process may be a payment by a store terminal 3, a computer of a member store such as a POS server, or the like, by directly transacting with the terminal 2 (or by transferring a legal currency as in the first embodiment). Alternatively, the server 1 may be requested to approve the payment process to mediate the payment between the user and the member store.

  That is, the server 1 distributes an application program (first program, program P2) functioning as the wallet 201 to be installed in the terminal 2 (first computer), and also issues an application program (second program) for issuing coupons and accepting payments. Program) to be installed on a computer (second computer) such as the store terminal 3 or the POS server. By cooperating with each program, the virtual currency can be operated as in the second embodiment, and a series of virtual currency trading systems that perform electronic payment using privilege information is manufactured (constructed). Can do.

(Modification 1)
In the first embodiment, the form in which the wallet 201 is charged with a fixed amount of legal currency has been described. Further, in the second embodiment, the form in which the wallet 201 issues a unique currency that can be used for settlement at the same rate as the acquisition time point has been described. In the first modification, a mode in which the virtual currency for operation, the virtual currency for settlement, and the legal currency (charge amount) are managed by the same wallet 201 will be described by combining the first and second embodiments.

  FIG. 16 is an explanatory diagram for describing a virtual currency management form according to the first modification. In FIG. 16, the form illustrated in FIG. 6 and the form illustrated in FIG. 12 are combined, and a virtual currency for operation, a virtual currency for settlement, and a legal currency (charge amount) are obtained in the same wallet 201. It shows how it is managed.

  As shown in FIG. 16, a part of the virtual currency (unique currency) stored in the wallet 201 is stored as an operating frame and a part is stored as a payment frame. The virtual currency as the operation frame is operated by the server 1 and the operation profit is acquired. With respect to the virtual currency as a settlement frame, contract information is issued at the time of acquisition, and settlement processing is performed at the same rate as that at the time of acquisition.

  The wallet 201 is charged with part of the deposit amount in legal currency. The charged amount can also be used for settlement at member stores.

  The server 1 exchanges money for the virtual currency of the operation frame and the payment frame, and the charged legal currency. For example, according to the contract information accompanying the virtual currency for settlement, the server 1 can exchange the virtual currency for settlement and the charge amount (legal currency) at the same rate as the acquisition time. In addition, the server 1 performs a rebalancing process that returns the operating profit obtained by the operation to the virtual currency for settlement or the charge amount. As described above, the wallet 201 can manage the currency of each frame in a fluid manner and perform settlement processing in both virtual currency and legal currency.

  Since the processing contents such as the operation of the virtual currency and the settlement at the member store are the same as those of the first and second embodiments, other detailed illustrations and explanations are omitted.

  The embodiment disclosed this time is to be considered as illustrative in all points and not restrictive. The scope of the present invention is defined by the terms of the claims, rather than the meanings described above, and is intended to include any modifications within the scope and meaning equivalent to the terms of the claims.

1 server (information processing equipment)
DESCRIPTION OF SYMBOLS 11 Control part 12 Main memory part 13 Communication part 14 Auxiliary memory part P1 Program 141 User DB
142 member store DB
2 Terminal device (terminal)
21 Control Unit 22 Main Storage Unit 23 Communication Unit 24 Display Unit 25 Input Unit 26 Position Acquisition Unit 27 Auxiliary Storage Unit P2 Program 201 Wallet

Claims (13)

Accept setting input to set the deposit amount in legal currency,
Accepting a setting input to set a cash amount to be converted into virtual currency from the deposit amount,
Obtain the virtual currency according to the exchange amount,
Execute the transaction to operate the acquired virtual currency,
Determine whether investment gains have been generated by the operation,
When it is determined that the investment profit has occurred, the computer is caused to execute a process of executing a transaction for adjusting the holding amount obtained by subtracting the conversion amount from the deposit amount and the holding amount of the virtual currency used for the operation. A featured program. If it is determined that the investment profit has occurred, a part of the investment profit is retained,
The program according to claim 1, wherein a transaction for allocating the management profit excluding the part to the retained amount and the virtual currency used for management is executed. Accepting a setting input for setting the cash amount to be converted into each of the plurality of virtual currencies from the deposit amount,
According to the exchange amount, obtain the plurality of virtual currencies,
Executing a transaction for operating each of the plurality of virtual currencies;
Identify the operating profits generated by the operation of each of the plurality of virtual currencies,
3. The program according to claim 1, wherein a transaction for adjusting a holding amount of each of the plurality of virtual currencies is executed based on operational profit of each of the plurality of virtual currencies. The program according to any one of claims 1 to 3, wherein a settlement process based on the retained amount is executed in accordance with a settlement request from a user. Accepting a setting input for setting a distribution between the amount of the virtual currency held for the settlement process and the amount of cash to be converted for operation;
The program according to claim 4, wherein the virtual currency corresponding to the holding amount and the exchange amount is acquired. Regarding the virtual currency corresponding to the holding amount, issue contract information to the effect that the virtual currency can be used for settlement at the same rate as the acquisition time point,
The program according to claim 5, wherein when the payment request is received, the payment processing is executed based on the contract information. According to the operational profit or according to the payment usage amount based on the payment request, grant privilege information that can be used for the payment processing to the user,
The program according to any one of claims 4 to 6, wherein when the payment request is received, the payment processing is executed based on the privilege information. The program according to claim 7, wherein the privilege information is a fee associated with the mining of the virtual currency. Obtaining location information of the user;
Based on the acquired location information, the payment usage amount in each of a plurality of regions is totaled,
The program according to claim 7 or 8, wherein the privilege information is given in accordance with the settlement usage amount of each of the aggregated regions. Accept payment requests for product purchases at virtual stores on the network,
The program according to any one of claims 4 to 9, wherein the payment processing for performing remittance to the product provider is executed according to the payment request. A first setting unit that accepts a setting input for setting a deposit amount in legal currency;
A second setting unit for receiving a setting input for setting a cash amount to be converted into virtual currency from the deposit amount;
An acquisition unit for acquiring the virtual currency according to the exchange amount;
A first execution unit for executing a transaction for operating the acquired virtual currency;
A determination unit that determines whether or not operational profits are generated by the operation;
A second execution unit that executes a transaction for adjusting a holding amount obtained by subtracting the conversion amount from the deposit amount and a holding amount of the virtual currency used for the operation when it is determined that the management profit has occurred; An information processing apparatus characterized by the above. Accept setting input to set the deposit amount in legal currency,
Accepting a setting input to set a cash amount to be converted into virtual currency from the deposit amount,
Obtain the virtual currency according to the exchange amount,
Execute the transaction to operate the acquired virtual currency,
Determine whether investment gains have been generated by the operation,
When it is determined that the investment profit has occurred, the computer is caused to execute a process of executing a transaction for adjusting the holding amount obtained by subtracting the conversion amount from the deposit amount and the holding amount of the virtual currency used for the operation. A characteristic information processing method. Accepts a setting input to set the distribution of the amount held for settlement processing and the amount to be converted into virtual currency from the deposit amount in legal currency, and acquires and acquires the virtual currency according to the amount converted Executing a transaction for operating the virtual currency, requesting execution of a settlement process based on the held amount, and transmitting a first program for causing the first computer to execute the process to install the first computer,
When a predetermined condition is satisfied, privilege information that can be used for the payment processing is issued to the first computer, an execution request for the payment processing is received from the first computer, and the payment processing using the privilege information A manufacturing method for manufacturing a virtual currency trading system constituted by the first computer and the second computer, by transmitting a second program for causing the second computer to execute the process to be installed on the second computer.

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