JP2020126583A - System, program, information processing device, and method for controlling unit exchange value of value exchange medium - Google Patents

Abstract

To provide a value exchange medium capable of controlling the magnitude (unit exchange value) of a value (for example, economic value, exchange value, or buying power) included in per unit of the value exchange medium that is the basis of a value scale function.SOLUTION: A system includes a plurality of information processing devices that are communicatively connected with each other in which a first value exchange medium and a second value exchange medium that can be associated with user identification information are circulated. The first value exchange medium and the second value exchange medium can be exchanged between multiple pieces of user identification information. The first value exchange medium is issued based on operation information on an information processing device that obtains a first economic value that is set not to receive the first value exchange medium as a consideration for transfer between the multiple pieces of user identification information. The second value exchange medium increases or decreases according to the market price of an exchange rate between the first value exchange medium and the second value exchange medium.SELECTED DRAWING: Figure 1

Description

The present invention relates to a system, a program, an information processing device, and a method for controlling a unit exchange value of a value exchange medium.

In a society where people live in production, consumption, and community activities,
ICT (Information Communication Technology)
), various kinds of "value", whether paid or free, can be easily distributed over time (era) and place (nation). In the history of mankind, our society, as well as the economy, has been shaped by the effective transfer of "value" between people. We have evolved the "currency" as a means to effectively distribute such "value" among people. For example, for a long time, the legal currency issued by the nation or the institution recognized by the nation has been widely used as the main “currency”. Recently, virtual currencies utilizing blockchain technology have begun to be used.

Such a "currency" is said to have a function as an objective measure of the exchange value of goods or services, that is, a value measure function, as one of the basic functions. In this regard, for example, Patent Document 1 describes a technique for fixing the exchange rate between virtual currency and legal currency.

Japanese Patent No. 6352463

However, in various currency systems currently used by people including the virtual currency system, the value (eg, economic value, exchange value, purchasing power, etc.) included in a unit of currency that is the basis of the value scale function is large. There is no internal mechanism to control fluctuations in value (unit exchange value) (for example, temporal fluctuations, geographical fluctuations, etc.). Therefore, various adverse effects such as a sharp change in currency value are occurring.

Therefore, the present invention can control the size (unit exchange value) of the value (for example, economic value, exchange value, purchasing power, etc.) included per unit of the value exchange medium that is the basis of the value scale function. The purpose is to provide a value exchange medium.

A system according to an aspect of the present invention is a system that includes a plurality of information processing devices that are communicably connected to each other, in which a first value exchange medium and a second value exchange medium that can be associated with user identification information are distributed. Thus, the first value exchange medium and the second value exchange medium can be exchanged between a plurality of user identification information, and the first value exchange medium can be exchanged between the plurality of user identification information as a consideration for transfer. Issued based on the operation information of the information processing apparatus that acquires the first economic value set not to receive the first value exchange medium, and the second value exchange medium is the first value exchange medium and the second value exchange medium. It increases or decreases depending on the market exchange rate.

According to this aspect, the fluctuation of the unit exchange value of the second value exchange medium is controlled by balancing the unit exchange value of the first value exchange medium issued based on the evaluation degree of the value provided and acquired without charge. It becomes possible. This makes it possible to suppress fluctuations in the unit exchange value of the second value exchange medium and stabilize the unit exchange value.

A method according to an aspect of the present invention relates to a first value exchange medium recorded in a first ledger in association with user identification information and a second value exchange medium recorded in a second ledger in association with user identification information. A method for causing a computer to manage exchange, wherein the first value exchange medium and the second value exchange medium are arbitrarily exchangeable among a plurality of user identification information, and the first value exchange medium is Issued based on the evaluation of free exchange value transferred between multiple user identification information,
The second value exchange medium is the exchange rate between the first value exchange medium and the second value exchange medium desired by the user. Second
When the target exchange rate, which is an exchange rate between the value exchange media, changes by a predetermined rate, the program changes a predetermined amount to offset at least a part of the changed amount, and the program causes the computer to perform the first value exchange. Receiving a first exchange request for exchanging the medium for a second value exchange medium at a first desired exchange rate; and a step for exchanging the second value exchange medium for a first value exchange medium at a second desired exchange rate. Receiving a second exchange request; generating a first market exchange request for exchanging the first value exchange medium with a second market exchange rate at a market exchange rate; Executing a first contract process between the step of generating a second market exchange request for exchanging with the one-value exchange medium, the first market exchange request, and the second exchange request satisfying a predetermined first contract condition. And executing a second trade process between the second market exchange request and the first exchange request satisfying a predetermined second trade condition.

According to this aspect, the fluctuation of the unit exchange value of the second value exchange medium is controlled by balancing the unit exchange value of the first value exchange medium issued based on the evaluation degree of the value provided and acquired without charge. It becomes possible. This makes it possible to suppress fluctuations in the unit exchange value of the second value exchange medium and stabilize the unit exchange value.

A method according to an aspect of the present invention is configured such that a first value exchange medium associated with user identification information and recorded in a first ledger and a second value exchange medium associated with user identification information and recorded in a second ledger are provided. A step of acquiring a market exchange rate, which is a market rate of a desired exchange rate, which is a exchange rate between a first value exchange medium and a second value exchange medium desired by a user, in a computer which is a node of a circulating network; Determining whether a predetermined increase condition for the rate is met,
When it is determined that the predetermined increase condition is satisfied, the second value exchange medium, which is the second update information for updating the second ledger and is associated with at least one user identification information, is increased in the predetermined increase quantity. And an increasing execution step of generating the second update information that increases only by.

According to this aspect, it is possible to balance the unit exchange value of the first value exchange medium and control the fluctuation of the unit exchange value of the second value exchange medium. This makes it possible to suppress fluctuations in the unit exchange value of the second value exchange medium and stabilize the unit exchange value.

A method according to an aspect of the present invention is configured such that a first value exchange medium associated with user identification information and recorded in a first ledger and a second value exchange medium associated with user identification information and recorded in a second ledger are provided. A step of acquiring a market exchange rate, which is a market rate of a desired exchange rate, which is a exchange rate between a first value exchange medium and a second value exchange medium desired by a user, in a computer that is a node of a circulating network; Determining whether a predetermined reduction condition for the rate is met,
When it is determined that the predetermined reduction condition is satisfied, the second value exchange medium, which is the second update information for updating the second ledger and is associated with at least one user identification information, is reduced in the predetermined reduction quantity. And a reduction execution step of generating the second update information that reduces only this.

According to this aspect, it is possible to balance the unit exchange value of the first value exchange medium and control the fluctuation of the unit exchange value of the second value exchange medium. This makes it possible to suppress fluctuations in the unit exchange value of the second value exchange medium and stabilize the unit exchange value.

A method according to an aspect of the present invention relates to transfer of a plurality of user identification information to a computer which is a node of a network in which a first value exchange medium recorded in a first ledger in association with user identification information is distributed. Issuing a first predetermined quantity of the first value exchange medium based on the operation information of the node that obtains the first economic value set not to receive the first value exchange medium as a consideration; 2 The step of erasing the second predetermined quantity of the first value exchange medium based on the act of taking out the economic value, wherein the first predetermined quantity is determined based on the second predetermined quantity.

According to this aspect, the fluctuation of the unit exchange value of the first value exchange medium to be issued and canceled based on the evaluation degree of the value provided and acquired for free and the consumption degree of the value acquired for a fee is controlled. It becomes possible to do. As a result, the unit exchange value of the first value exchange medium can be changed arbitrarily.

A method according to an aspect of the present invention relates to transfer of a plurality of user identification information to a computer which is a node of a network in which a first value exchange medium recorded in a first ledger in association with user identification information is distributed. A step of acquiring the first economic value set not to receive the first value exchange medium as a consideration, and a step of transmitting the operation information in the step of acquiring the first economic value to an information processing device managing the first ledger. And a step of accepting from another information processing device an action of extracting the second economic value generated from the network with the consumption of the first value exchange medium in association with the step of acquiring the first economic value.

According to this aspect, it is possible to quantify the size of the evaluation of the value provided and acquired free of charge, and the consumption amount of the value acquired for a fee can be standardized in the quantified evaluation. It will be possible. As a result, it becomes possible to issue the first value exchange medium based on evaluation as a controllable economic value.

According to the present invention, it is possible to control the size (unit exchange value) of the value (for example, economic value, exchange value, purchasing power, etc.) included per unit of the value exchange medium that is the basis of the value scale function. It becomes possible to provide a value exchange medium.

It is a figure for explaining the outline of the value exchange medium distribution system 1 concerning one embodiment of the present invention. It is a conceptual diagram for demonstrating an example of mutual relationships, such as each economic activity, a value, and a value exchange medium. It is a figure for explaining an example of a function of the 1st value exchange medium and the 2nd value exchange medium. It is a figure showing an example of composition of value exchange medium distribution system 1. FIG. 3 is a diagram showing an example of a hardware configuration of a server 10 and a user terminal 20. 3 is a block diagram showing an example of a functional configuration of the server 10. FIG. It is a figure which shows an example of an account information table. It is a figure which shows an example of a search history table. It is a figure which shows an example of a value table. It is a figure which shows an example of a 2nd economic activity execution request table. It is a figure which shows an example of a block table. It is a figure which shows an example of a 1st economic activity basic score table. It is a figure which shows an example of a 2nd economic activity basic price table. It is a figure which shows an example of a 2nd economic activity table. It is a figure which shows an example of a 1st evaluation table. It is a figure which shows an example of an evaluation purchasing power multiplying factor table. It is a figure which shows an example of an exchange request table. It is a figure which shows an example of a debt issuance table. It is a figure which shows an example of a 3rd economic activity table. It is a figure which shows an example of a 1st ledger. It is a figure which shows an example of a 2nd evaluation table. It is a figure which shows an example of a 2nd ledger. It is a figure which shows another example of a 2nd ledger. It is a figure which shows an example of a credit issuing table. 3 is a block diagram showing an example of a functional configuration of a user terminal 20. FIG. It is a figure showing an example of an operation sequence of registration processing of a paid exchange value. It is a figure which shows an example of the paid exchange value registration information input screen 300A-1. It is a figure showing an example of an operation sequence of registration processing of a free exchange value. It is a figure which shows an example of a free exchange value registration information input screen 300A-2. It is a figure which shows an example of an operation sequence of provision and acquisition processing of free exchange value. It is a figure showing an example of an operation flow of calculation processing of an evaluation purchasing power multiplying factor. It is a figure which shows an example of the operation sequence of an evaluation issuing process. It is a figure which shows an example of the issuing information display screen 300B for displaying issuing information. It is a figure which shows an example of the operation sequence of the remittance process of a 1st value exchange medium. It is a figure which shows an example of 300 C of remittance instruction|indication input screens. It is a figure which shows an example of the remittance notification screen 300D. It is a figure which shows an example of the operation sequence of the process of the payment (3rd economic activity) accompanying the use of paid exchange value. It is a figure which shows an example of a utilization information display screen 300E. It is a figure for demonstrating an example of a process when the 2nd economic activity is performed in the value exchange medium distribution system 1. It is a figure which shows an example of a 3rd economic activity purchasing power reference table. It is a schematic diagram showing an example of an operation sequence concerning processing of credit issuance. It is a figure which shows an example of the operation sequence regarding the process of transmission and registration of an exchange request. It is a figure showing an example of input screen 500A of the 1st exchange demand displayed on wallet management application X1. It is a figure which shows an example of the input screen 500B of the 2nd exchange request displayed on the wallet management application X2. It is a figure for demonstrating an exchange request. It is a figure which shows an example of the operation flow of the increase process of a 2nd value exchange medium. It is a figure which shows an example of the operation flow of the correction process of the desired exchange rate at the time of an increase process. It is a figure which shows an example of the operation flow of the restriction|limiting process of correction of a 2nd desired exchange rate. It is a figure which shows an example of the operation|movement flow of the reduction process of a 2nd value exchange medium. It is a figure which shows an example of the operation flow of the correction process of the desired exchange rate at the time of a reduction process. It is a figure which shows an example of the operation flow of the restriction|limiting process of correction of a 1st desired exchange rate.

A preferred embodiment of the present invention will be described with reference to the accompanying drawings. (Note that, in each of the drawings, those denoted by the same reference numerals have the same or similar configurations.

In the present embodiment, the "value included in a unit of the value exchange medium (for example, economic value, exchange value, purchasing power, etc.)" may be referred to as "unit exchange value". In addition, "the size of the value (for example, economic value, exchange value, purchasing power, etc.) included in the unit of the value exchange medium", that is, "unit exchange value" is defined as "value scale standard", "unit economic value", “Unit purchasing power”, “currency value”, “price measure standard”, “credit calculation unit”, or “value measure”
And so on.

(1) Outline (1-1) Configuration FIG. 1 is a diagram for explaining an outline of a value exchange medium distribution system 1 according to an embodiment of the present invention.

The value exchange medium distribution system 1 is configured to include, for example, a server 10 and a user terminal 20 that are connected to each other via a communication network N such as the Internet so that information can be transmitted and received between them. The server 10 is an information processing device used by a system administrator and the user terminal 20 is used by a user, for example. The value exchange medium distribution system 1 is, for example, a server 10
Where a network having the user terminal 20 and the like as a node can be configured, the network can have a side as a server/client model and a side as a block chain network. In the present embodiment, the value exchange medium distribution system 1 may be referred to as a “first network” from the aspect of a network in which the first value exchange medium is distributed. In the present embodiment, the value exchange medium distribution system 1 may be referred to as a “second network” from the aspect of a network in which the second value exchange medium is distributed.

The value exchange medium distribution system 1 relatively evaluates “value” provided to others from the viewpoint of economic value, which is provided by the human desire for social activity (power included in the function of forming a part of the community) as a source. It is possible to control the unit exchange value of a "value exchange medium" that has a "value scale function that suppresses temporal and locational fluctuations" and a "value preservation function" that is fast-distributed and that is quantified as It is generated in the state and distributed between the nodes. In the value exchange medium distribution system 1, two types of value exchange media, a first value exchange medium and a second value exchange medium,
It can be distributed between the server 10 and the user terminal 20.

The user manages each of the first value exchange medium and the second value exchange medium associated with his/her user ID via a wallet management application X, which will be described later, which is application software installed in the user terminal 20, for example. can do.

In the present embodiment, the name or unit of the first value exchange medium may be referred to as “ACT”, and the name or unit of the second value exchange medium may be referred to as “EST”. In the present embodiment, exchanging the first value exchange medium with the second value exchange medium is referred to as “first exchange”, and exchanging the second value exchange medium with the first value exchange medium is referred to as “second exchange”. Sometimes called. In the present embodiment, the first exchange request transmitted from the user terminal 20 to the server 10 is referred to as a “first exchange request”, and the user terminal 20
The second exchange request sent by the server to the server 10 may be referred to as a “second exchange request”.

In this embodiment, unless otherwise specified, "exchange rate", "desired exchange rate", "first desired exchange rate", "second desired exchange rate", "quote exchange rate", "first quoted exchange rate". ", "Second exchange rate"
, “Target exchange rate”, “first target exchange rate”, “second target exchange rate”, etc., is defined as the ratio of the exchange quantity of the first value exchange medium to the exchange quantity of the second value exchange medium “first value exchange” Medium exchange quantity/
"Exchange amount of second value exchange medium" (that is, ratio of unit exchange value of second value exchange medium to unit exchange value of first value exchange medium "unit exchange value of second value exchange medium/first exchange value of first value exchange medium") Unit exchange value"). However, this is the "exchange rate", "desired exchange rate", "first desired exchange rate", "second desired exchange rate", "quote exchange rate", "first quote exchange rate", "second quote""Exchangerate","target exchange rate", "first target exchange rate", "second target exchange rate", etc. are defined as "the ratio of the exchange amount of the second value exchange medium to the exchange amount of the first value exchange medium" 2 exchange quantity of value exchange medium/exchange quantity of first value exchange medium” (that is, ratio of unit exchange value of first value exchange medium to unit exchange value of second value exchange medium “unit exchange of first value exchange medium” The expression “value/unit exchange value of the second value exchange medium”) does not mean that it is excluded from the present embodiment.

(1-2) First Value Exchange Medium In the value exchange medium distribution system 1, the first value exchange medium can be distributed. The first value exchange medium is newly issued based on the evaluation of the value transferred between the plurality of user terminals 20 free of charge by a predetermined evaluation issuance algorithm, which will be described later, which the server 10 has, for example (hereinafter, referred to as "
It may be called "evaluation issue". ) Can be done. The first value exchange medium is, for example, a first value exchange medium obtained by acquiring a value in a second economic activity to be described later performed between the user terminal 20 and the server 10.
It can be canceled (consumption cancellation) by the server 10 based on the consumption of the value exchange medium. The first value exchange medium may be newly issued (hereinafter, may be referred to as “debt issuance”) based on, for example, the second exchange performed between the user terminal 20 and the server 10. In other words, debt issuance is
It can be said that the server 10 deposits the second value exchange medium from the user terminal 20 and newly issues the first value exchange medium as a substantial deposit certificate. In other words, in the debt issuance, the issuer (server 10) is a “debt” in which the size of the economic value is represented by the number of the first value exchange medium with respect to the issuer (user terminal 20) (described later) As described above, the obligation to provide the second value exchange medium to the user is generated by the exchange), and as the issue destination, the magnitude of the economic value is represented by the number of the first value exchange medium to the issuer. It can be said that a “credit” (a right to obtain the second value exchange medium from the server by exchange, as described later) arises. The first value exchange medium can be canceled (offset cancellation) based on offset purchase by the server 10 for the debt issuance, for example, by the first exchange performed between the user terminal 20 and the server 10. For example, the first value exchange medium may be canceled (timed cancellation) when a predetermined period has elapsed since it was acquired. The first value exchange medium may be recorded, for example, in the first ledger stored in the server 10 by associating the issued quantity with the user ID. In the present embodiment, the mode in which the first ledger is configured is not particularly limited. The first ledger may be, for example, a centralized ledger managed by the server 10, the arbitrary user terminal 20, or the like. The first ledger may be, for example, a distributed ledger configured by a block chain or the like stored in each of the server 10 and the user terminal 20. In the present embodiment, the “update of the first ledger” may include any processing for updating that can be defined according to the aspect of the configuration of the first ledger, and the processing of directly updating the first ledger. Besides, it may include a process of transmitting a request for updating to an information processing apparatus having the authority to update the first ledger.

(1-2-1) Value and Economic Activity (1-2-1-1) Value "Value" in the present embodiment is related to any action (social activity) performed by a human being in social life. Then, it may include arbitrary information expressed in a format that can be transmitted and received between a plurality of information processing devices. In other words, it can be said that the “value” may include, for example, a benefit exchanged between users (individuals and corporations) in human social activities. In addition, "value" refers to something that interacts between users (individuals, corporations, etc.) such as goods (services), services (services), or contract activities (one (psychological) claim , And on the other hand (including the act of causing (psychological) debt), it may include information that has not necessarily been evaluated or quantified in the conventional society. Further, the value may include contents such as language (character) data, moving image data, image data, audio data, design drawing data, work data, useful information data, and the like.

In the present embodiment, the value may include a “paid exchange value” and a “free exchange value”, and the “paid exchange value” may include a “paid consumption value”. In the present embodiment, “paid” means the first value exchange medium or the second value exchange medium in the economic activity performed by the user terminal 20.
It means that a value exchange medium is required for consideration. In this embodiment, "free" means
It means that the first value exchange medium or the second value exchange medium is not required as a consideration in the economic activity performed by the user terminal 20. In the value exchange medium distribution system 1 according to the present embodiment, the user terminal 20 executes “first economic activity”, “second economic activity”, “third economic activity”, and “fourth economic activity” described later. Can be executed. In the following, “first economic activity” and “free exchange value” (including “paid consumption value”) and “free exchange value”
The second economic activity, the third economic activity, and the fourth economic activity will be described together.

In the present embodiment, the “type I” is a type to which the “free exchange value” that does not use the first value exchange medium as the exchange consideration in the first economic activity, can be managed by the server 10, or is managed. obtain. In the present embodiment, the “type II” is a type to which the “paid consumption value” that is, or is managed by, the server 10 that uses the first value exchange medium as the consumption consideration in the second economic activity belongs. obtain. In the present embodiment, “type III”
May be the type to which the “paid exchange value” that is managed by the server 10 or that is managed by the first value exchange medium as the exchange consideration in the third economic activity belongs. In the present embodiment, the “type IV” is an “arbitrary paid service” in which the first value exchange medium or the second value exchange medium is used as the exchange consideration in the fourth economic activity, cannot be managed by the server 10, or is not managed. It may be a type to which "exchange value" belongs.

(1-2-1-2) Paid Exchange Value In the present embodiment, “paid exchange value” (including “paid consumption value”) includes, for example, a predetermined quantity (0 (zero)) as consideration for providing value. The value set to accept the provision of the first value exchange medium of (1) may be the first value in the second economic activity and the third economic activity.
The value exchange medium may include the value provided and acquired as a consideration.

<Second economic activity>
In this embodiment, the server 10 is provided between the user terminals 20 that perform different economic activities.
The act of acquiring (using) the economic value (paid consumption value) that can be extracted from the value that can occur in the network via the “value conversion medium” as the consumption consideration is called “second economic activity”. More specifically, the “second economic activity” means a network (first economic activity) based on the first economic activity.
It is an act of consuming and acquiring a "value" that can occur in a network by consuming a predetermined number of first value exchange media as consideration. When the user terminal 20 executes the second economic activity, the value between the user terminal 20 executing the second economic activity and the user terminal 20 acquiring the free exchange value described later in the first economic activity Can be regarded as being exchanged. In addition, the type II to which the paid consumption value accompanied by the consumption, which is acquired by the user using the user terminal 20 in the second economic activity, belongs, for example, types IIA, IIB, IIC, IIAA, IIAAA...
Etc. may be further subdivided.

(Push type)
The second economic activity may include, for example, an act of acquiring a paid consumption value as a push-type second economic activity. Here, the “push-type second economic activity” means that the first value exchange medium is consumed as a consideration for the target user (group) of the second economic activity that obtains the free exchange value in the first economic activity. However, a user who wants to acquire a paid consumption value that can generate an economic value (that tries to extract an economic value from the first network) has an action as "an action that arbitrarily (intentionally) exerts influence". It can be said to be the second economic activity. The paid consumption value that is the objective of the push-type second economic activity is, for example, “small classification: playback frequency designation/number-of-times charge type video commercial/middle classification: terminal display interrupt insertion type advertisement/large classification: targeting advertisement” Or, "Small category: Insertion frame purchase type advertisement with display time/region/user attribute (characteristic) specified/Medium category: Terminal display interrupt insertion type advertisement/Large category: Targeting advertisement" or "Small category: Target It may include a value (economic value) that can be generated by a main content display/reproduction before insertion/reproduction limited to user range/middle classification: free exchange value composite advertisement/major classification: targeting advertisement. More specifically, the push-type second economic activity includes, for example, transmission of information that increases willingness to purchase, transmission of information for impression operation, or transmission of information for affecting behavior, and the like. Information transmitted from these user terminals 20 (contents of execution request relating to the act of acquiring paid consumption value belonging to type II, which is registered in the second economic activity execution request table stored in the storage unit 11 described later) It can be said that it is an act of displaying (including forcibly displaying) via the server 10 the user terminal 20 operated by the target user who obtains the free exchange value in the first economic activity. As a result, the economy obtained from the action for the user who acquires the paid exchange value belonging to the type II related to the push-type second economic activity to the user who acquires the free exchange value belonging to the type I in the first economic activity It may be possible to get value. In other words, as described above in connection with the acquisition of the free exchange value, the user who receives the “action to exert influence arbitrarily” from the other consumer users can obtain the free exchange value. The (ideal) debt that arises to the user who provided the free exchange value is "
It is also understood that it is paying (writing off the debt or replacing the debt to the consumer who acquires the paid consumption value) by accepting (accepting) the "action to exert influence arbitrarily". it can. In this way, the (conceptual) bond that is generated by the user who provided the free exchange value is offset by the debt that is generated by the consuming user who acquires the paid consumption value by the second economic activity, and is consumed by the first value exchange. The medium may have the basis for being valued and issued to the (ideal) creditor, the free exchange value providing user. That is, in the value exchange medium distribution system 1, as will be described later, the settlement which is the act of erasing (ideally) claims and debts occurring among a plurality of users who perform the first economic activity and the second economic activity is evaluated. It can be processed autonomously using an issuing algorithm.

(Pull type)
The second economic activity may include, for example, an act of acquiring a paid consumption value as the pull-type second economic activity. Here, the "pull-type second economic activity" means that the first value exchange medium is consumed as a consideration for the target user (group) of the second economic activity that obtains the free exchange value in the first economic activity. However, the user who tries to obtain the paid consumption value that can generate the economic value (that tries to extract the economic value from the first network) has the second action as "an action to arbitrarily (intentionally) extract information". It can be called economic activity. The paid consumption value that is the purpose of the pull-type second economic activity is, for example, “small classification: interest change prediction/medium classification: interest tendency correlation analysis/large classification:
"Interest statistics", "Small category: Political party support change forecast/Middle category: Consciousness trend correlation analysis/Large category: Consciousness statistics", "Small category: Consumption change forecast/Medium category: Consumption trend correlation analysis/Large category: Consumption "Statistics" and "Small classification: Foreign exchange fluctuation forecast/Medium classification: Currency/economic correlation analysis/Large classification: Economic statistics (As an example, in addition to the value exchange medium distribution system 1, the second value exchange medium and each country that is a foreign currency. By including the exchange transaction function of the user terminal 20 with the legal currency in the configuration, the exchange data is stored in the storage unit 11 of the server 10 and the correlation with various data recorded in the storage unit 11 of the server 10. Value (economic value) that can be acquired by performing “verification by verifying”) or the like. More specifically, the pull-type second economic activity is, for example, for transmitting information that increases purchase motivation, information for impression operation, or information for influencing behavior. Including the acquisition of basic data (big data) of
The server 1 including the operation information of the user terminal 20 that obtains the free exchange value in economic activities.
It can be said that this is an act of extracting economic value from basic data as big data stored in the storage unit 11 of 0). As a result, the economic value as an action to the user who acquires the paid consumption value belonging to the type II related to the pull-type second economic activity and the user who acquires the free exchange value belonging to the type I in the first economic activity Can be obtained. In other words, as described above in connection with the acquisition of the free exchange value, the user who receives the "action to arbitrarily withdraw information" from other consumer users,
Accepting (accepting) the (ideal) debt that arises to the user who provided the free exchange value by acquiring the free exchange value, and the "action to arbitrarily extract information" from other consumer users. It can be understood that the payment has been made (by canceling the debt, or by replacing the debt with the consuming user who acquires the paid consumption value). In this way, the (conceptual) bond that is generated by the user who provided the free exchange value is offset by the debt that is generated by the consuming user who acquires the paid consumption value by the second economic activity, and is consumed by the first value exchange. The medium may have the basis for being valued and issued to the (ideal) creditor, the free exchange value providing user. That is, in the value exchange medium distribution system 1, as will be described later, the settlement which is the act of erasing (ideally) claims and debts occurring among a plurality of users who perform the first economic activity and the second economic activity is evaluated. It can be processed autonomously using an issuing algorithm.

(Others second economic activity block type)
The second economic activity may include, for example, a second economic activity of another person's second economic activity block type. Here, "the other person's second economic activity block type of second economic activity" is related to the first economic activity when performing the first economic activity that obtains the free exchange value belonging to type I. It can be said that this is the second economic activity as an action that blocks the second economic activity (advertisement, collection of big data, etc.) that others are trying to carry out. Here, the other of the second economic activity block type second
The type II category to which the paid consumption value, which is the objective of economic activities, belongs is different from the category II category to which the paid consumption value, which is the objective of other second economic activities (push type, pull type, etc.), belongs. Good. Specifically, for example, the server 10 selects from the execution targets included in the execution request of the second economic activity of a type other than the second person's second economic activity block type (push type, pull type, etc.),
An execution request (other person second economic activity block request) for excluding the designated user ID (basically assumed to be itself) may be accepted. At this time, further, when the server 10 executes the execution request based on the execution request for the second economic activity of the push type or the pull type received from the user terminal 20, for example, the other person second economic activity block request. Based on the other person second
The user ID included in the economic activity block request may be excluded from the target of the execution request.
In addition, the server 10 records the operation information and the like acquired from the user terminal 20 in a first evaluation table, a search history table, and the like, which will be described later, based on the second person's second economic activity block request, the second person's second person The user ID included in the economic activity block request may be excluded from the recording target (
For example, it is advisable to record the information related to the first economic activity by leaving the “free exchange value acquirer user ID” in the first evaluation table, which will be described later, blank. As a result, the user who performs the second economic activity of the other person's second economic activity block type uses the first value exchange medium as the economic value (paid consumption value) included in the act of acquiring the free exchange value belonging to type I. By consuming and receiving an action that directly influences other users' voluntary (intentional) influences by, for example, another user's push type second economic activity, or by another user. The pull-type second economic activity makes it possible to retrieve information from other users (without receiving any action intended to retrieve information). In other words, with the acquisition of the free redemption value, as described above, “an action that exerts an arbitrary influence” (push type) or “an arbitrary information is extracted from another consumer user. A user who does not receive the "intentional action" (pull type) accepts the (conceptual) debt to the user who provided the free exchange value by acquiring the free exchange value, and accepts the action from other consuming users. Rather than paying off (writing off debts or replacing debts with consumer users who acquire paid consumption value) by (accepting), by others' second economic activity block type second economic activity It can be understood that it has been paid. In this way, the (ideal) credit that is generated by the user who provided the free exchange value is offset by the consumption of the first value exchange medium related to the second economic activity of the second economic activity block type of the other person, The first value exchange medium to be used is
It may have a basis to be evaluated and issued to a free exchange value providing user as an (ideal) creditor. That is, in the value exchange medium distribution system 1, as will be described later, the settlement which is the act of erasing (ideally) claims and debts occurring among a plurality of users who perform the first economic activity and the second economic activity is evaluated. It can be processed autonomously using an issuing algorithm.

Then, the paid consumption value belonging to the type II registered (set) in the server 10 can be arbitrarily acquired (used) with a consumption consideration by an execution request of the user terminal 20 to the server 10 thereafter. Also, the consumption consideration related to the paid consumption value belonging to each category of type II is the server 10
It is preferable to set each paid consumption value belonging to the type II recorded in the second economic activity basic price table stored in the storage unit 11 and the basic price associated with each subject group. The setting action may be a dedicated action of the system administrator (which may include artificial intelligence under the control of the system administrator). When the server 10 receives the execution request for the second economic activity from the user terminal 20, the server 10 identifies the basic price related to the execution request by the user terminal 20 from the second economic activity basic price table, and acquires the paid consumption value. The first ledger may be updated as the second economic activity is executed by the user terminal 20 as an act.

<Third economic activity>
In the present embodiment, the act of providing or acquiring a paid exchange value for the exchange price of the first value exchange medium between the user terminals 20 via the server 10 is referred to as “third economic activity”.
The paid exchange value provided and acquired by the user terminal 20 along with the exchange consideration in the third economic activity can be registered in the value table described later. The type III to which the paid exchange value, which is the target of the third economic activity, belongs can be subdivided arbitrarily. Type III is, for example, a data format of paid exchange value that is the target of the third economic activity (for example, general data formats such as character data, moving image data, voice data, and image data, as well as specific data such as CAD data). It may include a data format created by software). Also, type III
The paid exchange value belonging to the category may include arbitrary information related to products and services traded between users, but the category III may be subdivided according to the types of such products and services.

An example of subdivision of type III is shown below. The type III includes, for example, types IIIA, IIIB,
It may be further subdivided into IIIC, IIICA, IIICAB...
(Character data system)
If it is a character data system, for example, “small classification: self-development book/middle classification: feature book/major classification: book”, “small classification: IT paper/middle classification: short paper/major classification: paper”, etc. May be included.
(Video data system)
If it is a moving image data system, for example, “small classification: suspense drama/medium classification: serial drama/
It may include "major category: drama", "small category: SF cinema/medium category: feature cinema/major category: cinema", and the like.
(Voice data system)
In the case of audio data system, for example, "small category: orchestra music/medium category: classical music/major category: music" and "small category: pop music/medium category: major music/major category: music" are included. You may
(Image data system)
In the case of image data system, for example, "small category character illustration/medium category: digital illustration/major category: illustration", "small category: gravure photo/medium category: idle photograph/major category: photograph", etc. are included. May be.
(Work data system)
If it is a work data system, for example, “small classification: CAD data of residential building/medium classification: building CA
"D data/major classification: CAD data", "small classification: group schedule management application/medium classification: business application/major classification: application", and the like may be included.
(Goods system with physical distribution)
In the case of an article system involving physical distribution, for example, “small classification: focal length/medium classification: single focus lens/large classification: camera lens”, “small classification: stand speaker/medium classification: AV equipment (audio visual)/ “Major classification: auction” and the like may be included.
(Contract system with provision of services)
If it is a contract system involving the provision of services, for example, “small classification: character/medium classification: design/major classification: illustrator” and “small classification: web database/medium classification: Java”
“Programming/major classification: programming” and the like may be included.

Value registration is performed in the value table by the user terminal 20 by selecting a target category from the type III (the category of the type III may be set in advance by the system administrator, etc.) and performing the value registration action described later. The quantity of the first value exchange medium as an exchange consideration associated with each paid exchange value to be generated may be registered in the value table.

<Fourth economic activity>
In the present embodiment, the first value exchange medium or the second value exchange medium is classified as an exchange consideration.
The act of exchanging the paid exchange value (arbitrary paid exchange value) belonging to IV (which cannot be managed by the server 10 or which is not managed) is referred to as “fourth economic activity”. In other words, the fourth economic activity can be said to be direct remittance (direct remittance due to any direct transaction outside the value exchange medium distribution system 1 (in other words, real economy)).

(1-2-1-3) Free exchange value In the present embodiment, the “free exchange value” is set, for example, so that the provision of a predetermined amount of the first value exchange medium is not accepted as a consideration for providing the value. The value may include a value as an evaluation target by an evaluation issuing algorithm described later. Here, the setting of whether or not to accept the provision of the predetermined amount of the first value exchange medium is performed, for example, by the value provider by the user terminal 2
It is good to be able to use 0.

<First economic activity>
The act of providing or acquiring a free exchange value between the user terminals 20 via the server 10 is referred to as “first economic activity”. The free exchange value provided and acquired by the user terminal 20 in the first economic activity without the exchange consideration like the third economic activity and the consumption consideration like the second economic activity is registered in the value table described later. .. The type I to which the free exchange value, which is the target of the first economic activity, belongs can be subdivided arbitrarily. Type I is, for example, a data format of a free exchange value subject to the first economic activity (for example, general data formats such as character data, moving image data, voice data, and image data, as well as specific data such as CAD data). It may include a data format created by software).

An example of subdivision of type I is shown below. The type I is, for example, type IA, IAB, IAB
It may be further subdivided such as C.
(Character data system)
If it is a character data system, for example, “small category: IT article/medium category: technology article/major category: article” and “small category: finance column/medium category: economic column/major category: column” are included. You may
(Video data system)
If it is a moving image data system, for example, “small classification: test drive review/medium classification: automobile review/
Large category: Review, Small category: Business interview/Medium category: Economic activity interview/
Major category: Interview” may be included.
(Voice data system)
For audio data systems, for example, "small category: piano sonata music/medium category: classical music/major category: music", "small category: rock music/medium category: indie music/major category: music", etc. May be included.
(Image data system)
If it is an image data system, for example, "small classification character illustration/middle classification: digital illustration/major classification: illustration", "small classification: mountain photograph/middle classification: landscape photograph/major classification: photograph", etc. are included. May be.
(Work data system)
In the case of work data system, for example, “small classification: stationery 3D printer data/medium classification: simple material 3D printer data/major classification: 3D printer data” and “small classification: schedule management application/medium classification: business application/ Large classification: application” and the like may be included.

Each time the server 10 obtains the free exchange value by the user terminal 20, the server 10 associates the category with the category I to which the free exchange value belongs in the value table and sets the basic score recorded in the first economic activity basic score table. Based on the operation information of the user terminal 20, an evaluation score may be attached to the free exchange value. In addition, the evaluation score scoring performed by the server 10 may be performed by using the basic score associated with the subject group to which the user who acquires the free exchange value belongs in the first economic activity basic score table.

Note that, for example, the free exchange value is the free exchange value provided by the free exchange value providing user in the first economic activity or the free exchange value provided by the paid exchange value providing user in the third economic activity with respect to the free exchange value. "Comments" (comments on news articles etc.) or "Reviews" (EC
The “opinion by the value acquisition user” such as product reviews on the site) may be included.
In this case, the “opinion by the value acquisition user” should be registered in the value table after identifying the category of type I as the free exchange value provided by itself, and be treated as the free exchange value thereafter. May be.

(1-2-2) Issue <Evaluation issue>
In the present embodiment, the server 10 relatively evaluates the free exchange value and the free exchange value providing user transferred (provided and acquired) between the user terminals 20 by a predetermined evaluation and issue algorithm described later. Then, the server 10 evaluates and issues the predetermined amount of the first value exchange medium in association with the user ID of the free exchange value providing user based on the first economic activity and the second economic activity by the predetermined evaluation and issuance algorithm. .. The number of the first value exchange media evaluated and issued by the server 10 may be calculated so as to reflect the purchasing power of the subject group to which the user who acquired the free exchange value belongs, as described later. Here, the “subject group” may be a collection of regional attributes (living bases or business bases) recorded in an account information table described later. The “subject group” is, for example, a group of users who (almost) share at least one of “legal currency”, “applicable law”, “governance mechanism”, “purchasing power”, and “used language”. You can The “subject group” can be defined by, for example, at least one of municipalities, prefectures, states, regions, countries, economic zones, continents, and the like. In this embodiment, “nation”
However, the present invention is not limited to this. Note that the regional attributes and the group of subjects may be defined by the system administrator. In this way, the first value exchange medium is the above-mentioned "free exchange value", which is the time (era etc.) or place (country etc.) based on the desire of human beings for social and economic activities and the desire to contribute to the community. The exchange value is based on universal energy that has been straddled.
In addition to the regional attributes recorded in the account information table, the server 10 has location information based on GPS data or the like acquired from the user terminal 20, a language used by the user terminal 20, a display language of a wallet management application X described later, and the like. The subject group to which each user ID belongs may be specified based on.

<Debt issuance>
In the present embodiment, the server 10 uses a predetermined debt issuance algorithm, which will be described later, in response to a second exchange request received from the user terminal 20 to assign a predetermined amount of the first value exchange medium to the user ID of the user terminal 20. Issuing debts in association with each other. For example, in the present embodiment, the user provides the free exchange value to other users in the first economic activity, or the third
By providing the paid exchange value to other users in the economic activity, a predetermined amount of the first value exchange medium can be acquired. However, the user will not be able to
By using the first value exchange medium in a larger quantity than the value exchange medium, the second economic activity, the third
You may want to perform economic activity or fourth economic activity. At this time, the user exchanges the predetermined amount of the second value exchange medium with the predetermined amount of the first value exchange medium in response to the second exchange request (debt issuance by the server 10), and thereby the insufficient first value exchange medium is exchanged. The medium can be acquired. Thus, it can be said that debt issuance has the effect of reducing the problem of insufficient supply of the first value exchange medium in the first network.

(1-2-3) Cancellation (1-2-3-1) Second economic activity In the present embodiment, the first value exchange medium serves as the consumption consideration for the second economic activity. Server 1
When the user performs the second economic activity in the first network via the user terminal 20, 0 cancels a predetermined amount of the first value exchange medium linked to the user ID of the user in the first ledger. As a result, the predetermined amount of the first value exchange medium is deleted from the first network (
Consumption consumption). The quantity of the first value exchange medium consumed by the second economic activity and erased from the first network is the quantity of the first value exchange medium evaluated and issued based on the first economic activity by a predetermined evaluation issuing algorithm described later. Will be the basis of. That is, the user terminal 20 in the second economic activity consumes the economic value (paid consumption value) that can be taken out from the “value” generated in the network based on the first economic activity, and is consumed from the network. The quantity of the first value exchange medium as the economic value (or the evaluation value as the economic value inherent in the first value exchange medium) is the evaluation (evaluation score) given to the free exchange value in the first economic activity. It can be said to have a role as a basis for calculating the economic value included in the evaluation score).

The first value exchange medium consumed in the second economic activity is temporarily stored in the first ledger, for example, for temporary storage managed by the system administrator, etc., without being erased (consumed) from the first ledger. The ID (temporary storage ID for consumption consumption) is temporarily linked and is issued based on the evaluation value calculated based on the evaluation of the free exchange value belonging to type I in the first economic activity. It may be applied to a value exchange medium.

<Second economic activity and basic price>
The basic price of paid consumption value belonging to each category included in Type II related to the second economic activity is
It may be the same between different subject groups. On the other hand, the basic price related to the act of acquiring paid consumption value belonging to each category included in the type II related to the second economic activity is individually determined for each subject group,
And should be updated. That is, the basic price related to the act of acquiring the paid consumption value belonging to each category is, for example, 2 It is desirable to optimize it so as to match the amount of value (purchasing power) generated in the network by the first economic activity of the users who belong to each subject group targeted for the economic activity.

<Guideline for determining the basic price and updating>
The basic price related to the act of acquiring paid consumption value belonging to each category included in Type II related to the second economic activity is the paid price that belongs to the same category in a predetermined period for each paid consumption value belonging to each category of each subject group. AI (machine learning algorithm) so that the basic price fluctuates so that the total of the quantity consumed (accumulation of the basic price, etc.) related to the act of acquiring the consumer value is always maximized.
, Or if AI is not included in the configuration, the optimum solution may be (continuously) output by human power.
More specifically, for example, the server 10 causes the second economic activity stored in the storage unit 11 to maximize the number of first value exchange media consumed for each category of type II of each subject group. Using the basic price recorded in the basic price table and the activity details recorded in the second economic activity table as input data, a scoring method based on a machine learning algorithm is used to acquire paid consumer value belonging to the type II. It is advisable to output a coefficient that adds to the basic price. Then, the output coefficient is added to the base price as the original accumulated reference value, and the type II
It is advisable to change the base price for the act of acquiring the paid consumption value belonging to.

Here, the server 10 may include a machine learning device as described below, for example. That is, the machine learning device is a value exchange medium (for example, a first value exchange medium) issued based on an evaluation score for an economic value (for example, a free exchange value belonging to type I) that is set not to accept the consideration provided using the user terminal 20. (1) Value exchange medium) In a network in which a network is distributed, a basis for an act of acquiring paid consumer value belonging to at least one type (for example, type II) for taking out the economic value generated in the network by consuming the value exchange medium You can learn to determine the price. The machine learning device is an observation unit for observing a consumption trend composed of a consumption amount of the value exchange medium related to the at least one type in a predetermined period and a basic price related to the type, and an observation unit observed by the observation unit. Further, it is preferable to have a learning unit that learns by associating the change in the consumption quantity of the value exchange medium related to the at least one type with the basic price related to the type.

The number of value exchange media issued based on the evaluation score may be determined based on the number of value exchange media consumed by the action of extracting the economic value generated in the network.

The consumption trend related to the at least one type observed by the observation unit may include at least one of a period, a target user attribute, a target user characteristic, and a target subject group.

The basic price related to the type observed by the observation unit is a price per hour, a price per number of times,
And at least one of the price per area may be included.

The learning unit may learn to determine the base price of the type by updating a function of determining the base price of the type based on the consumption trend of the at least one type. ..

The learning unit, based on the consumption trend related to the at least one type, a reward calculation unit that calculates a reward for the result of determining the basic price related to the type, and based on the reward calculated by the reward calculation unit. , And a function updating unit that updates the function.

The function updating unit may learn the basic price related to the type in which the reward is most obtained by repeating the updating of the function.

The observing unit, independently for each type (and for each group of actors) of each act of extracting the economic value generated in the network, the consumption amount of the value exchange medium in the predetermined period, and the basic price of the type. You may observe the consumption trend consisting of.

The target data observed by the observation unit in the previous term includes operation information of the user terminal that acquires the economic value that is set to not accept the consideration that causes the addition of the evaluation score, and a basic score related to the evaluation score. But it's okay.

The target data to be learned in association with the previous term learning unit is operation information of the user terminal that acquires the economic value that is set not to accept the consideration that causes the addition of the evaluation score, and a basic score related to the evaluation score, May be included.

In addition, another machine learning device included in the server 10 is, for example, for evaluating an economic value (for example, an act of acquiring a free exchange value belonging to type I) that is set not to accept the consideration provided using the user terminal 20. Value exchange media issued based on this (eg, the first value exchange media)
, The basic price of the consumption price related to at least one of the types of actions for consuming the economic value generated in the network and consuming the value exchange medium (for example, the act of acquiring paid consumption value belonging to type II) You may learn. The machine learning device, the total of the consumption price related to the type in a predetermined period, and an observation unit for observing the basic price as a state variable, according to a data set created based on the state variable, in the predetermined period A learning unit that learns a basic price such that the total consumption price becomes larger.

The learning unit further includes a reward calculation unit that calculates a reward based on the sum of the consumption prices, and a function update unit that updates a function for determining the base price based on the reward. Good.

<Unit exchange value control>
In the present embodiment, the server 10 uniformly sets all the basic prices related to the act of acquiring the paid consumption value belonging to each category of the type II in each subject group based on the (commitment content to the user) input by the system administrator. It may be changed (mainly, the unit exchange value of the first value exchange medium is decreased and the price is increased). At this time, the server 10 sends the content of the update process (commitment content) to the user terminal 2 in advance or when the process is executed.
It is better to send (notify) to 0. As a result, the balance of the sense of value between the paid consumption value and the first value exchange medium (the recognition of the unit exchange value/the value sense of the price) when the user purchases the paid consumption value in the second economic activity, and the user's By the double anchoring effect of the sense of value with the balance of the sense of value of the first value exchange medium (recognition of unit exchange value and sense of value of price) that is evaluated and issued when providing free exchange value in 1 economic activity, It may be possible to control the unit exchange value of the first value exchange medium. In addition, the double anchoring effect of the value sense is the balance of the sense of value of the sales price of the paid exchange value (the purchase price on the other hand) in the third economic activity of the user operating the user terminal 20 (recognition of the unit exchange value).・The so-called direct freedom by the user between the value sense of the price) and the balance of the value sense of the direct transaction relating to the optional exchange value in the fourth economic activity (the recognition of the unit exchange value/the value sense of the price) It can also affect the balance of sense of value in transactions. The server 10 includes a value (unit exchange value) included in each unit of the first value exchange medium, a total circulation amount of the first value exchange medium in the first network, and a second value exchange medium in the second network described later. Of the total amount of distribution and price (the price of the paid exchange value that is arbitrarily rooted by the user), the magnitude of the value (eg, economic value, exchange value, purchasing power, etc.) included per unit of the value exchange medium It is good practice to do this as a measure to control the value (unit exchange value). As a macroeconomic policy of the value exchange medium distribution system 1, the system administrator may determine the content of the commitment (rate of changing the unit exchange value, that is, the amount of price change).

<Basic price list>
Note that the basic price related to the act of acquiring the paid consumption value belonging to each category of the category II of each subject group in the second economic activity may be defined in, for example, the “second economic activity basic price table” described later. The "basic price" recorded in the second economic activity basic price table is
“Basic price when performing a second economic activity targeting (a user belonging to) the subject group”, and “when a user belonging to the subject group performs a second economic activity targeting another subject group”. It's not the base price. The second economic activity basic price table may include a category of category II, a group of entities, a basic price, and a standard for the size to be accumulated. When determining and updating the base price, the second base price table for economic activity and the “2nd economic activity activity record” are recorded.
The second economic activity table" may be referred to. The second economic activity table may include the date and time, the user ID, the subject group to which the user belongs, the category of category II, the consumption amount, and the subject group of activity.

The “value” in the first economic activity that can be extracted from the network in the above-mentioned second economic activity is, for example, the free exchange value B of character data, moving image data, etc. provided from the user terminal 20A as the first economic activity. On the other hand, on the other hand, as the first economic activity, the “value” generated in the first network by performing the searching action, the browsing action, or the obtaining action by the user terminal 20C that is trying to obtain the free exchange value B is is there. Here, in order for other user terminals 20D to easily find the economic value as the second economic activity with respect to various actions as the first economic activity by the user terminal 20C, the system administrator has previously categorized the types.
The manner of acquiring paid consumer value belonging to II is stipulated, and the basic price of the paid consumer value to be acquired is set for each subject group that is the target of the second economic activity, and the user terminal 20D sets the paid consumer value (first 2 It is possible to provide an environment in which the economic value as the object (purpose) of economic activities can be acquired. Note that the economic value that is obtained (produced) by performing the second economic activity is the paid consumption value, and the act itself of the second economic activity or the target of the second economic activity itself (depending on the first economic activity It can be said that the value itself generated in the first network) is not the paid consumption value. For example, in the category of the type II, as the provision of the environment for performing the above-mentioned “push type” second economic activity, such as the category in which the user terminal 20D provides the environment for advertising the user terminal 20C. Such as a usage category of a paid consumption value acquisition environment or a category in which the user terminal 20D provides an environment in which the big data recorded by the server 10 can be used as various actions by the user terminal 20C in the first economic activity, The usage category of the paid consumption value acquisition environment as the provision of the environment in which the above-described “pull type” second economic activity is performed may be included. In addition, for example, the environment for obtaining the paid consumption value includes a category of category II, etc., which provides an environment in which the user terminal 20D can perform the above-described mixed "push-type" and "pull-type" second economic activities. May be. In this way, the user terminal 20D that is going to acquire the paid consumption value can consume the first value exchange medium and acquire the paid consumption value. That is, the first consumed in connection with the act of acquiring paid consumption value belonging to type II
It can be understood that the economic value has been found in the act of the user terminal 20C in the first economic activity and the free exchange value B provided by the user terminal 20A in the first economic activity by the number of value exchange media. In this way, the “value” generated in the first network by the first economic activity has an economic value that can be quantified through the second economic activity, and the economic value can be quantified through the second economic activity. A predetermined number of first value exchange media can be evaluated and issued to the user terminal 20A. It should be noted that, for the act of acquiring the paid consumption value belonging to the type II, for example, an advertisement in a mode of interrupting various actions in the first economic activity of the user terminal 20C (for example,
Inserted into the viewing line like a conventional TV commercial, inserted into a subscription line using advertisement fields such as newspapers and magazines, inserted into a web search list field line, or inserted into the viewing line like a signboard May be included), or there may be an advertisement in which the free exchange value B is directly included in the free exchange value B in the first economic activity of the user terminal 20C. The convenience of the user terminal 20D may be improved by subdividing each of the categories of the type II to which the paid consumption value belongs into a large classification, a middle classification, or a small classification. What kind of paid consumption value can the system administrator acquire if it is the environment for acquiring the paid consumption value belonging to type II in which the economic value found by the second economic activity increases with respect to the "value" generated by the first economic activity? The environment may be provided to the user terminal 20D, and the number of the first value exchange medium consumed by the user terminal 20D increases, so that the first value exchange medium evaluated and issued in the first economic activity is It is preferable to add, modify, or delete (the category of) the environment for acquiring the paid consumption value belonging to type II so that the number increases.

(1-2-3-2) Others When the first ledger is updated, the server 10 sets a cancellation deadline in the first value exchange medium that is newly associated with the user ID, and sets a preset deadline. May be deleted from the first ledger (timed cancellation). In addition, the expiration date may differ for each acquisition history of the first value exchange medium. Then, the server 10 may decrease the debt issuance balance recorded in the debt issuance table by the number of the canceled first value exchange media, as described later. In this respect, the first value exchange medium can be configured to have the "value storage function" among the basic functions of currency, to have no value storage function, or to have an arbitrary degree. is there. In addition, the first value exchange medium is also canceled by the offset purchase (issued by the user terminal 20 of the first exchange request) by the server 10 which will be described later.

(1-2-4) Relocation (4th economic activity)
In the present embodiment, the user can use the user terminal 20 to transfer (transfer) the first value exchange medium to another user (user ID). Further, the user can also remit (settlement, transfer, pay) the first value exchange medium as a consideration for the paid exchange value that is arbitrarily acquired between the users who use the user terminal 20 (fourth economic activity).

(1-2-5) Circulation of value As described above, the evaluation is issued based on the first economic activity and the second economic activity, and the second economic activity.
The first value exchange medium that is debt-issued based on the exchange can be used for payment consideration of the second economic activity and the third economic activity in the first network, and is also used as a remittance means of the fourth economic activity between users. obtain. Then, the first value exchange medium to be issued is canceled (consumption cancellation) by being consumed in the second economic activity, and when the cancellation deadline is set, it is also canceled (time cancellation). ) Can be done. Note that, for example, a user who obtains the first value exchange medium by the evaluation issue based on the evaluation of the free exchange value belonging to the type I or the sale of the paid exchange value belonging to the type III, the user who owns the paid consumption value belonging to the type II. The first exchange with the server 10 described later when the quantity of the first value exchange medium to be acquired exceeds the consumption quantity of the first value exchange medium due to acquisition or acquisition of the paid exchange value belonging to type III By (offset purchase of the first value exchange medium by the server 10), it is possible to exchange the exceeding amount of the first value exchange medium for the amount of the second value exchange medium including an equivalent economic value. Has become. For these reasons, the first value exchange medium functions as an exchange medium for paid exchange value (including paid consumption value) and free exchange value, and is not limited to one, and conventional value exchange medium such as legal currency. The distribution speed can be higher than that of. That is, it can be said that the first value exchange medium is a value exchange medium whose value scale can be controlled, in which the cycles of issuance, transfer, and cancellation can be performed continuously and at high speed.

(1-3) Second Value Exchange Medium (1-3-1) Overview of Second Value Exchange Medium In the value exchange medium distribution system 1, the second value exchange medium can be distributed. A predetermined amount of the second value exchange medium may be issued in advance by the ICO performed by the system administrator, for example. Second
The value exchange medium can also be issued by, for example, credit issue described later. In the present embodiment, the mode in which the second ledger is configured is not particularly limited. The second ledger may be, for example, a centralized ledger managed by the server 10, the arbitrary user terminal 20, or the like. Second
The ledger may be, for example, a distributed ledger configured by a block chain or the like stored in each of the server 10 and the user terminal 20. Further, in the present embodiment, “update of the second ledger” may include any processing for updating that can be defined according to the aspect of the configuration of the second ledger, and the second ledger is directly updated. In addition to the processing, a processing of transmitting an update request to the information processing apparatus having the update authority of the second ledger may be included.

As described above, the first value exchange medium may not have the value preservation function, but the first value exchange medium basically becomes the second value exchange medium by the exchange place function of the server 10 described below. Can be replaced at any time. Therefore, as will be described later, the second value exchange medium having a value preservation function in advance may have a role of complementarily performing the value preservation function which the first value exchange medium does not have.

The server 10 may have a clearinghouse function of exchanging the first value exchange medium and the second value exchange medium with the user terminal 20. More specifically, for example, a user who wants the second value exchange medium requests the server 10 via the user terminal 20 to exchange the first value exchange medium with the second value exchange medium (the first desired exchange medium). Exchange request (1st rate)
Exchange request) can be sent. Further, for example, a user who desires the first value exchange medium exchanges the second value exchange medium with the server 10 via the user terminal 20 at a desired exchange rate (second desired exchange rate) for the first value exchange medium. It is possible to transmit an exchange request (second exchange request) requesting to do so.

The server 10 responds to the second exchange request received from the user terminal 20 under predetermined conditions.
The contract processing (first contract processing) may be performed with a first market exchange request based on the market price (market exchange rate) of the first desired exchange rate and the second desired exchange rate. That is, the server 10 may issue the first value exchange medium to the user (issue a debt) and acquire the second value exchange medium from the user.

Further, the server 10 may execute the contract processing (second contract processing) on the first exchange request received from the user terminal 20 under the predetermined condition with the second market exchange request based on the above-mentioned market exchange rate. Good. That is, the server 10 transfers the second value exchange medium to the user, acquires the first value exchange medium from the user, offsets and purchases the above-mentioned debt issuance, and cancels (
Cancellation).

The above-mentioned market exchange rate relating to the first market exchange request and the market exchange rate relating to the second market exchange request may be the same or different. When distinguishing both, the market exchange rate related to the first market exchange request may be referred to as the “first market exchange rate”, and the market exchange rate related to the second market exchange request may be referred to as the “second market exchange rate”. is there.

(1-3-2) Increase/decrease of second value exchange medium The above-mentioned exchange rates (first exchange rate and second exchange rate) are received by the server 10 as an exchange from each user terminal 20. It may be determined based on the desired exchange rate (first desired exchange rate and second desired exchange rate) relating to the exchange request. As described later, the number of second value exchange media fluctuates (increases or decreases) under predetermined conditions. In other words, the market exchange rate is an index value (a ratio) that represents the number (ratio) of the second value exchange medium of each user, which is expected to increase (newly issued to itself) in the future with respect to the second value exchange medium. Expected increase rate). For example, in the present embodiment, the smart contract units 131 and 231 described later, when the predetermined increase condition is satisfied (or the decrease condition is satisfied), when the predetermined increase condition or the decrease condition is satisfied. Based on the reaching surcharge rate, which is the surcharge rate (ratio of the market exchange rate to the target exchange rate), the second value exchange medium is held, the distribution contribution rate described later, or the movement evaluation value is applied to each user. 2 Issue a new value exchange medium (or cancel it). Then, subsequently, when the smart contract units 131 and 231 execute a new issuance (or cancellation) process of the second value exchange medium for each user, the exchange management unit 15 changes the market exchange rate to “
Increase of the second value exchange medium that is increased (or decreased) by being newly issued (or canceled) for each user so that it converges to the "target exchange rate" or "near the target exchange rate" ( (Or decrease), the desired exchange rate of each user may be corrected so as to offset the rate. As described above, the market exchange rate reflects the user's fundamentals and the like, and when the threshold exchange rate is reached or a predetermined period of time elapses, the exchange rate converges near the “target exchange rate”. Therefore, since it is the second value exchange medium that increases (or decreases) according to the market exchange rate based on the desired exchange rate of each user, the market exchange rate can be restated as an expected increase rate.

For example, each of the server 10 and each user terminal 20 may acquire the market exchange rate derived by the server 10 and intermittently monitor whether or not a predetermined increase condition or a predetermined decrease condition is satisfied. When the server 10 and each user terminal 20 determine that the predetermined increase condition is satisfied, the server 10 and each user terminal 20 hold the second value exchange medium, the distribution contribution ratio of the second value exchange medium, and the second value exchange medium. The second ledger update information that increases the number of second value exchange media may be generated according to at least one of the movement evaluation value of the value exchange media. Similarly, when the server 10 and each user terminal 20 each determine that a predetermined reduction condition is satisfied, the owning amount of the second value exchange medium and the distribution contribution ratio of the second value exchange medium. According to at least one of the above, the second ledger update information that reduces the number of second value exchange media may be generated.

As described above, in the present embodiment, the unit exchange value of the second value exchange medium converges near a value obtained by multiplying the unit exchange value of the first value exchange medium by the target exchange rate on the basis of the arrival surcharge rate. In particular, when the target exchange rate is "1.00", the second value exchange medium is
The unit exchange value increases or decreases to converge near the unit exchange value of the first value exchange medium. Then, the user who owns or intends to own the second value exchange medium makes an exchange request at a desired exchange rate in consideration of the extra rate (expected increase rate). From this, immediately after the process of increasing or decreasing the second value exchange medium is executed, the user's consciousness about the extra rate (expected increase rate) converges to around “1”. That is, the desired exchange rate based on the consciousness of the user converges near the target exchange rate so as to reflect the ratio of the second value exchange medium increased or decreased by the arrival surcharge rate. In this way, when the second value exchange medium increases or decreases, if each user wants the first value exchange medium or the second value exchange medium to be the same as before the increase or decrease, each user desires. It can be expected that the exchange rate will be modified to offset the increasing or decreasing quantity of the second value exchange medium. As a result, the market exchange rate can be kept equal to or close to the target exchange rate, so that the unit exchange value of the second value exchange medium is multiplied by the target exchange rate of the first value exchange medium. The value can be kept the same as or close to this value. In other words, the quantity of the second value exchange medium is increased or decreased so that the unit exchange value is suppressed from deviating from the unit exchange value of the first value exchange medium based on the target exchange rate. That is,
In more general terms, the quantity of the second value exchange medium increases or decreases based on the exchange ratio with the first value exchange medium (the second value exchange medium is issued or canceled).

When the second value exchange medium has increased or decreased, the server 10 has already accepted and, as will be described later, sets the desired exchange rate relating to the exchange request recorded in the exchange request table to the increase of the second value exchange medium. The quantity or the reduced quantity may be forcibly modified so as to cancel (or reduce) the quantity. Further, the server 10 further performs a predetermined correction (second value exchange) of the desired exchange rate received from the user terminal 20 in a predetermined period (a fluctuation suppressing period described later) from the time when the second value exchange medium increases or decreases. Modification in the opposite direction to the direction in which the increase or decrease of the medium is offset may be restricted. Further, the server 10 further executes the contract processing with the exchange request received from the user terminal 20 during a predetermined period (a fixed exchange period described later) by using a target exchange rate (first target exchange rate or second target exchange rate). ) May be fixed. That is, in the fixed exchange period, the server 10 generates a fixed exchange request (first fixed exchange request or second fixed exchange request) according to the target exchange rate, and then prioritizes the fixed exchange request over the market exchange request. , May be contracted with the exchange request received from the user terminal 20. This makes it possible to control the unit exchange value of the second value exchange medium to a value based on the unit exchange value of the first value exchange medium and the target exchange rate. In particular, when the target exchange rate is "1.00", the effect of keeping the unit exchange value of the second value exchange medium equal to or close to the unit exchange value of the first value exchange medium increases.

The user uses the user terminal 20 to set the second value exchange medium to another user (user I).
Money can be transferred (transferred) to D). Further, the user can also remit (settlement, transfer, pay) the second value exchange medium as a consideration for the paid exchange value arbitrarily acquired between the users using the user terminal 20 (fourth economic activity).

(1-4) Functions of First Value Exchange Medium and Second Value Exchange Medium FIG. 2 is a conceptual diagram for explaining an example of mutual relationships among the above-mentioned economic activities, values, and value exchange mediums. .. The mutual relationships among the above-mentioned economic activities, values, value exchange media, etc. can be expressed as follows, for example. Note that the following description is an example, and does not limit the order of occurrence/execution of each economic activity, value, and value exchange medium, causal relationship, quantity, and the like.

First, if the second basic price for economic activities (consumption standard for the act of acquiring paid consumption value belonging to type II) is uniformly increased (based on the commitment content), the first value exchange medium for the second economic activity The consumption amount of the first value exchange medium increases, and the evaluation issue amount of the first value exchange medium increases. As a result, the evaluation issue quantity of the first value exchange medium per evaluation point increases. In other words, type
The unit exchange value of the first value exchange medium related to the issuance of the value-added consumption value belonging to II and the evaluation issue based on the evaluation of the free exchange value belonging to type I will be reduced.

Then, the user has a sense of the economic value (purchasing power) of the first value exchange medium in the first economic activity due to the amount of evaluation issuance, and the economic value according to the consumption amount of the first value exchange medium in the second economic activity. The amount of consumption of the first value exchange medium related to the third economic activity is increased by increasing pressure on the price of the paid exchange value in the third economic activity so as to match the user's feeling with the magnitude of (purchasing power). To increase. In other words, the unit exchange value of the first value exchange medium related to the paid exchange value belonging to type III is reduced. Further, in order to match the user's sense of the economic value (purchasing power) with the price of the paid exchange value in the third economic activity, there is an increasing pressure on the price of the paid exchange value in the fourth economic activity. In addition, the remittance volume of the first value exchange medium related to the fourth economic activity will increase. In other words, the unit exchange value of the first value exchange medium relating to any paid exchange value belonging to type IV is reduced. And then
Due to the increase in the required quantity of the first value exchange medium, the quantity of the first value exchange medium in the second exchange increases, the debt issue balance of the first value exchange medium increases, and the distribution quantity of the first value exchange medium (distribution The total amount) increases and the unit exchange value of the first value exchange medium decreases so as to approach the commitment content. In other words, the devaluation of the unit exchange value of the first value exchange medium permeates the users.

From the above, as the demand for the first value exchange medium increases, the second value exchange medium becomes relatively short, and the unit exchange value of the first value exchange medium decreases (the unit exchange value is devalued).
In the exchange function, the unit exchange value of the second value exchange medium will relatively increase and the expected rate of increase will increase. Then, by executing the increase processing by the smart contract units 131 and 231 described later, the total circulation amount of the second value exchange medium increases, and the unit exchange value of the second value exchange medium decreases as compared with the first value exchange medium. The unit exchange value is reduced so that it converges to a value obtained by multiplying the unit exchange value by the target exchange rate. Then, with the increase of the second value exchange medium,
The commitment can be achieved by increasing the amount of debt issuance of the value exchange medium to meet the demand and increasing the total circulation amount of the first value exchange medium and the second value exchange medium. In other words, the unit exchange value of the first value exchange medium and the second value exchange medium is the second basic value of economic activity (type
It is depreciated according to a uniform increase in the consumption consideration standard for the act of acquiring the paid consumption value belonging to II).

In the present embodiment, the first value exchange medium is the relative evaluation of the value (free exchange value) transferred between the user terminals 20 through the server 10 free of charge in the first economic activity, and the economy included in the relative evaluation. Issuance of evaluation (issue of evaluation distribution including economic value by calculation of evaluation value by evaluation issuing algorithm) based on the size of value (consumption amount related to the act of acquiring paid consumption value belonging to type II). As described above, since the relative evaluation and controllable economic value are standardized in the first value exchange medium, the first value exchange medium has a value scale function that is stably and autonomously exhibited. In other words, the unit exchange value of the first value exchange medium can be controlled by controlling the price (consumption amount) related to the act of acquiring the paid consumption value belonging to type II. That is, in a more general expression, the first value exchange medium is determined in the evaluation issue quantity based on the relative evaluation of the free exchange value and the consumption amount related to the act of acquiring the paid consumption value.

Then, the first value exchange medium is subjected to exchange processing with the second value exchange medium due to generation of a supply that is just enough for the demand and a demand that is just enough for the supply by the exchange function of the server 10. Based on the debt issuance and offset purchase. Here, the second value exchange medium is a value storage function in which the number of units is increased or decreased under a predetermined condition so that the unit exchange value continues to converge to a value obtained by multiplying the unit exchange value of the first value exchange medium by the target exchange rate. It is a value exchange medium with.

Therefore, the first value exchange medium is connected to the second value exchange medium by the exchange function of the server 10, and "a relative evaluation of the value transferred between users free of charge (evaluation including economic value by evaluation value calculation It can be said that it is a value exchange medium in which the value scale function that is issued (evaluated and issued) based on allocation is exerted autonomously. In addition, the second value exchange medium is "a relative evaluation of the value transferred between users (evaluation distribution based on holding quantity, distribution contribution rate, movement evaluation value calculation, etc. It can be said that it is a value exchange medium that has a value preservation function that is issued or canceled (the distribution volume increases and decreases autonomously) based on the total volume adjustment.

In addition, the second value exchange medium may have a credit issuing function, for example, as described later. In this case, the credit-issuing user (which may include the system administrator), based on the credit size of the credit-issuing user, may acquire assets such as claims and stocks (that is, (2) A second value exchange medium may be newly issued in consideration of the recovery basis of economic value to be issued by credit, which can be represented by the number of value exchange mediums. Thereby, the second value exchange medium and the first value exchange medium
An increase in the number of value exchange media distributed and an increase in distribution speed can be expected.

As described above, the first value exchange medium and the second value exchange medium connected to each other by the exchange station function of the server 10 can function as the value exchange medium as the evaluation standard currency as a whole. The value is based on the evaluation value as the economic value inherent in the free exchange value (in other words, the economic value of the first value exchange medium consumed in connection with the act of acquiring the paid consumption value belonging to type II). The first value exchange medium provides the second value exchange medium with a function (an anchoring function) as a unit exchange value standard, while the first value exchange medium is subjected to the first exchange (the object in the first exchange). The first value exchange medium of (1) is canceled by the offset purchase of the server 10) and the value preservation function can be acquired. That is, in the present embodiment, the first value exchange medium,
And the second value exchange medium is a debt issuance algorithm using the exchange facility by the server 10,
Further, the second value exchange medium increase/decrease algorithm by the smart contract units 131 and 231 and the continuous cooperation process of each process of the evaluation issuing algorithm by the server 10 collectively form the basis of the function as the value exchange medium. Value scale function" (in other words,
The unified standard function of the magnitude of the economic value inherent in one value exchange medium and the standard standard function of the scale of the ruler) can be provided to the user in a stable and controllable state regardless of location or time. It can be provided.

(1-5) Comparison with legal currency and virtual currency FIG. 3 is a diagram for explaining an example of functions of the first value exchange medium and the second value exchange medium in the present embodiment. The functions of these value exchange media (currencies) will be described with reference to FIG. 3 in comparison with legal currency and virtual currency. Note that the following description is an example and does not limit the function of each currency.

As shown in Fig. 3, the fiat currency's resistance to inflation is weak, and not only is the issuer's macroeconomic policies affected, but also its credibility depends on the issuer's economic power (national power, ability to redeem government bonds, etc.). It relies heavily on the compulsory power of law and law. The legal currency is issued for each issuer, and is distributed mainly in the economic areas governed by the issuer. Today, when "value" is distributed all over the world, the need for international settlement causes exchange rates. There is. And, although the circulation range is legal currency limited to the economic zone controlled by the issuer, it is also greatly affected by other fiat currencies issued by non-issuer, and It also has a great influence. Fiat currencies, excluding a decrease in deposits due to a decrease in debt,
Since it is distributed among users on the premise that it will not be retired, and because the newly issued means depends on the increase in debt, the distribution speed is slow during normal times when there is no fear of inflation, There is a property that is easy to stay in (the one who has more, the one who does not have less). In addition, legal currency circulation control is applied to the situation where debts are chained between economic entities such as individuals and corporations (the situation where debts and claims are circulated between users) by a credit creation system by commercial banks. The influence is only indirectly exercised from the outside, and in most cases the central bank's policy interest rate (call rate) and open market operation (
We are trying to control distribution by buying and selling operations. In such a legal currency, in normal times, the "value scale function" and the "value storage function", which are the functions of the value exchange medium, are subject to some fluctuations in the economic area governed by the issuer, It seems that it is almost functioning. However, even in this case, the effects of foreign exchange cannot be escaped, the possibility of financial instability due to wrong policies cannot be ruled out, and further, the establishment of international relations where interests intersect cannot be neglected. There is a problem.

As a result, as shown in FIG. 3, virtual currency (also called crypto assets) such as so-called bit coins has an unstable issuer and responsibility, and is merely mere electronic data. The value of, or the value of the object to be standardized is not established, and exists as a so-called "contentless" value exchange medium. From this, the virtual currency is
Although the basis of credibility is extremely unclear and it is distributed as a value exchange medium all over the world (between users), the unit exchange value is unstable, and when the value (unit exchange value) is Crash,
Or no one can predict whether it will soar. Further, the circulation speed of virtual currency as a value exchange medium does not reach the legal currency, and it is said that it is merely a speculation target for the user. As such, it is a so-called “contentless” virtual currency that is not controlled by circulation, and does not have the “value scale function” that is an important function as a value exchange medium. Even if it changes, it has only the basic elements of the “value preservation function”.

Regarding traditional value exchange media such as electronic money and points, the root of the value is the legal currency, and it is not a value exchange medium that builds and distributes an economic zone independently, so these are subordinate to the legal currency. As a medium, description is omitted here. As described above, the value exchange medium includes
Although there are legal currency and virtual currency, as shown in FIG. 3, the difference between the first value exchange medium and the second value exchange medium from other value exchange mediums will be described below.

The currency is a value exchange medium that has a circulating economic zone and performs its function, but the economic zone in which the first value exchange medium is circulating is the first network. The first value exchange medium is the only settlement means in the first network, and is issued (evaluation issuance and debt issuance) in the first network using a predetermined algorithm and is distributed. By logging in to the first network with an account, the user can perform economic activities (exchange of “value” with other users). Further, in the first network, it is possible to add a tax collection function to the economic activity of the user. That is, it can be said that the credibility of the first value exchange medium is the economic power of the first network. The first value exchange medium provides the user with a function as a value exchange medium over the world (wherever there is a user terminal 20 connected to the communication network N) across the countries of the first network and over time. Therefore, a stable "value scale function" is exhibited by a predetermined algorithm. Then, the first value exchange medium exerts a stronger “value scale function” than the legal currency (e.g., cancellation by consumption in the second economic activity by the user terminal 20, and debt issue by the server 10). Because it is canceled by offsetting purchases, can be configured to be canceled by a deadline, and is a value exchange medium that is always canceled by the algorithm, the valuation issuance and the debt issuance continue to occur. In addition, it is possible to control the unit exchange value by controlling the price of the first network (control of the commitment and the consumption amount related to the second economic activity), and it is easier to control distribution than the legal currency. Have

Next, the second value exchange medium will be described. The second value exchange medium can be exchanged for the first value exchange medium at any time when the quantity autonomously increases or decreases based on the expected rate of increase based on the unit exchange value of the first value exchange medium (" It is a virtual currency (cryptographic asset) having the characteristic that "contents" can be said to be the first value exchange medium. From this, if the second value exchange medium is separated from the first value exchange medium, the expected rate of increase cannot be calculated, and can be a so-called "empty" virtual currency. As described above, the second value exchange medium is premised to function integrally with the first value exchange medium. Therefore, the second value exchange medium connected to the first value exchange medium will be described.

As shown in FIG. 3, the second value exchange medium is, so to speak, a first value exchange medium standard value exchange medium. From this, the economic zone of the second value exchange medium (second network) overlaps with the economic zone of the first value exchange medium (first network), and becomes wherever there is the user terminal 20 connected to the communication network N. .. The basis of the credibility of the second value exchange medium depends on (interlocks with) the first value exchange medium. If the second value exchange medium has a credit issuing function, the second
The soundness of assets such as receivables that the credit issuer obtains from the credit issuer may influence the basis of the credibility of the value exchange medium. The second value exchange medium uses the smart contract units 131 and 231 and the exchange management unit 15 in cooperation to increase or decrease the number of itself, and a series of other algorithms for the second value exchange medium. Function. When the “value scale” (unit exchange value) of the first value exchange medium changes, the second value exchange medium changes so as to follow the change of the “value scale” of the first value exchange medium. And the increase or decrease based on the expected increase rate, the quantity fluctuates so as to cancel out the fluctuation in the asset value (exchange value) of the second value exchange medium due to fluctuations in the unit exchange value such as price fluctuations, for example. .. The second value exchange medium has a basic "value storage function" because it is a virtual currency. Also, it is possible to include in the configuration a measure for evaluating the degree of contribution of the user to currency circulation and changing the issued amount. For these reasons, the second value exchange medium is an inflation-resistant currency that can be controlled in circulation, in which the "value scale function" and the "value storage function" are greater or stronger than the legal currency and the virtual currency. It can function as a fast-moving global currency.

(2) Configuration (2-1) System Configuration FIG. 4 is a diagram showing an example of the configuration of the value exchange medium distribution system 1. The value exchange medium distribution system 1 includes a server 10 communicably connected via a communication network N such as the Internet, and a plurality of user terminals 20. The server 10 is an example of an information processing device used by a system administrator, and is a service for managing, for example, a first value exchange medium and a second value exchange medium for a user (hereinafter, “value exchange medium service”). Sometimes called.
)I will provide a. The user terminal 20 is an example of an information processing device used by the user, and serves as an interface when using the value exchange medium service provided by the server 10. Below, the network which consists of the server 10 and the some user terminal 20 may be called a value exchange medium distribution network.

(2-2) Hardware Configuration FIG. 5 is a diagram showing an example of the hardware configuration of the server 10 and the user terminal 20. In the following, when it is not necessary to distinguish between the server 10 and the user terminal 20, both are collectively referred to as the information processing device 100. The information processing apparatus 100 is, for example, a smartphone, a mobile phone (
Feature phone), computer (eg, desktop, laptop, tablet, etc.), server device, media computer platform (eg, cable, satellite set-top box, digital video recorder, etc.), handheld computer device (eg, PDA (Personal Digital Assistant) ), email clients, etc.)
, A wearable terminal (for example, a glasses-type device, a clock-type device, etc.), another type of computer, a communication platform, and a combination of a plurality of these devices.

The information processing apparatus 100 includes a processor 101, a memory 102, a storage 103,
Input/output interface (input/output I/F) 104 and communication interface (communication I/F) 1
Including 05 and. The respective components of the hardware of the information processing apparatus 100 are connected to each other via the bus B by way of example and not limitation.

The information processing apparatus 100 includes a processor 101, a memory 102, a storage 103,
The input/output I/F 104 and the communication I/F 105 cooperate to realize the functions and/or methods described in this embodiment.

The processor 101 executes a function and/or a method realized by a code or an instruction included in a program stored in the storage 103. The processor 101 is
By way of example and not limitation, a central processing unit (CPU), MPU (Micro Processing Unit), G
PU (Graphics Processing Unit), microprocessor (microprocessor), processor core (processor core), multiprocessor (multiprocessor), ASIC (Applicat
Ion-Specific Integrated Circuit), FPGA (Field Programmable Gate Array), etc., integrated circuit (IC (Integrated Circuit) chip, LSI (Large Scale Integratio)
Each process disclosed in each embodiment may be realized by a logic circuit (hardware) or a dedicated circuit formed in n)) or the like. Further, these circuits may be realized by one or a plurality of integrated circuits, and the plurality of processes shown in each embodiment may be realized by a single integrated circuit. Further, the LSI may be referred to as VLSI, super LSI, ultra LSI, or the like, depending on the degree of integration.

The memory 102 temporarily stores the program loaded by the processor 101 from the storage 103, and provides a work area for the processor 101. The memory 102 also temporarily stores various data generated while the processor 101 is executing the program. The memory 102 is, for example, without limitation, a RAM (Random Access Memory), a ROM (
Read Only Memory) etc. are included.

The storage 103 stores the program. The storage 103 includes, for example and without limitation, a HDD (Hard Disk Drive), an SSD (Solid State Drive), a flash memory, and the like.

The communication I/F 105 transmits and receives various data via the communication network N. The communication may be executed by wire or wireless, and any communication protocol may be used as long as mutual communication can be executed. The communication I/F 105 has a function of performing communication with another information processing device via the communication network N. The communication I/F 105 transmits various data to another information processing device according to an instruction from the processor 101. Also,
The communication I/F 105 receives various kinds of data transmitted from another information processing device and transfers the data to the processor 101.

The input/output I/F 104 includes an input device that inputs various operations on the information processing device 100, and an output device that outputs a processing result processed by the information processing device 100. Input/output I/
In F104, the input device and the output device may be integrated, or the input device and the output device may be separated.

The input device is realized by any of all types of devices capable of acquiring an input from the user and transmitting information related to the input to the processor 101, or a combination thereof. The input device may include, for example and without limitation, a hardware key such as a touch panel, a touch display, and a keyboard, a pointing device such as a mouse, a camera (operation input via an image), and a microphone (operation input by voice). .. The input device is a GPS sensor,
Various physical quantities such as acceleration sensor, tilt sensor, vibration sensor, temperature sensor, barometric pressure sensor, humidity sensor, illuminance sensor, pressure sensor, blood pressure sensor, heartbeat sensor, body temperature sensor, and perspiration sensor based on the user's operation and state It may include various sensors capable of acquiring

The output device is realized by any of all types of devices capable of outputting the processing result processed by the processor 101, or a combination thereof. Video of the processing result,
When outputting as a moving image, the output device is realized by any one or combination of all kinds of devices capable of displaying the display data according to the display data written in the frame buffer. .. The output device is, by way of example and not limitation,
Touch panel, touch display, monitor (examples include, but are not limited to, liquid crystal displays,
OELD (Organic Electroluminescence Display), head mounted display (HMD), projection mapping, hologram, device capable of displaying images, text information, etc. in air (may be vacuum), speaker ( Voice output), printer, etc. Note that these output devices may be capable of displaying display data in 3D.

The program of the present embodiment may be provided in a state of being stored in a computer-readable storage medium. The storage medium can store the program in a “non-transitory tangible medium”. Programs include, by way of example and not limitation, software programs and computer programs.

The storage medium is, where appropriate, one or more semiconductor-based or other integrated circuits (ICs).
) (By way of example and not limitation, a field programmable gate array (FPGA),
Application-specific IC (ASIC), hard disk drive (HDD), hybrid hard drive (HHD), optical disk, optical disk drive (ODD), magneto-optical disk, magneto-optical drive, floppy diskette, floppy disk Disk drive (FDD), magnetic tape, solid state drive (SSD), RAM drive, secure
It may include a digital card or drive, any other suitable storage medium, or any suitable combination of two or more thereof. Storage media may be volatile, non-volatile, or a combination of volatile and non-volatile, where appropriate.

Further, the program of the present embodiment may be provided to the information processing apparatus 100 via any transmission medium (communication network, broadcast wave, etc.) capable of transmitting the program. Also,
The present embodiment can also be realized in the form of a data signal embedded in a carrier wave in which a program is embodied by electronic transmission.

It should be noted that the program of the present embodiment is, as an example and not a limitation, ActionScript,
Scripting languages such as JavaScript (registered trademark), Objective-C, J
It is implemented using an object-oriented programming language such as ava (registered trademark) or a markup language such as HTML5.

At least a part of the processing in the information processing device 100 may be realized by cloud computing including one or more computers.

At least a part of the processing in the information processing device 100 may be performed by another information processing device. In this case, at least part of the processing of each functional unit realized by the processor 101 may be configured to be performed by another information processing device.

(2-3) Functional Configuration of Server 10 FIG. 6 is a block diagram showing an example of the functional configuration of the server 10. The server 10 includes, for example, a storage unit 11, a first value exchange medium management unit 12, a second value exchange medium management unit 13, and
It has an account management unit 14 and an exchange management unit 15. These are realized by the cooperation of the processor 101, the memory 102, the storage 103, the input/output I/F 104, and the communication I/F 105 included in the information processing apparatus 100 described above.

(2-3-1) Storage unit 11
The storage unit 11 is, for example, an account information table, a search history table, a value table, a second economic activity execution request table, a block table, a first economic activity basic score table, and a second economic activity basic price table. , A second economic activity table, a first evaluation table, an evaluation purchasing power multiplying ratio table, an exchange request table, a debt issuance table, a third economic activity table, a first ledger, a second evaluation table, and a second evaluation table. The two ledgers and the credit issuing table are stored.

<Account information table>
FIG. 7A is a diagram showing an example of the account information table. The account information table is a table for managing users. In the account information table, for example, "identification information (user ID) for identifying a user", "personal and business distinction", "sex/date of birth (in the case of individual)/business type/foundation time (business) Person)”, “user information”, “regional attribute”, and the like. Here, in the “personal and business distinction”, the distinction between the individual and business as the type of account of the user is recorded. Further, in “Gender/Birthday (in case of individual)/Industry/Founding time (in case of business operator)”, if the user is an individual, sex/birth date of the user, or if the user is a business operator The business type and start-up date of the relevant business operator are recorded. Moreover, arbitrary attribute information of the user is recorded in the “user information”. Also,"
In the “region attribute”, the base region of the user is recorded. The “regional attribute” may include a subject group.

<Search history table>
FIG. 7B is a diagram showing an example of the search history table. The search history table is, for example, a table that manages a history of searches performed by the user using the user terminal 20 for a free exchange value (value belonging to type I) and a paid exchange value (value belonging to type III). In the search history table, for example, "search date and time", "subject group (including regional attribute)", "user ID", "discrimination between first economic activity and third economic activity", and "subject group to be searched" (Including area attribute)”, “type”, and “search word” may be included. The server 10 is, for example, a user terminal 20.
It is possible to acquire the history of the search from and record it in the search history table. More specifically, for example, the server 10 transmits to the user terminal 20 the result of a search request or a list request related to the free exchange value belonging to the type I or the paid exchange value belonging to the type III received from the user terminal 20. At the same time, the search content received from the user terminal 20 may be recorded in the search history table.

<Value table>
FIG. 7C is a diagram showing an example of a value table. The value table is a table for managing the values belonging to types I and III. The value may be a paid exchange value,
It may be a free exchange value. The value table may be divided into a free exchange value table and a paid exchange value table, and the values belonging to type I and the values belonging to type III may be managed separately. In the value table, for example, an ID (value ID) for identifying the value, a value type, a type to which the value belongs, a price of the value, a content of the value, a user ID (user of the value provider) ), and the subject group to which the value provider belongs may be included.

<Second Economic Activity Execution Request Table>
FIG. 7D is a diagram showing an example of a second economic activity execution request table. The second economic activity execution request table is a table for managing the second economic activity execution request received by the server 10 from the user terminal 20. In the second economic activity execution request table, for example, the user terminal 20
The data which is the content of the advertisement (push information) related to the second economic activity transmitted from the server 10 to the server 10 is registered. In the second economic activity execution request table, for example, “execution request approval date and time”, “subject group to which execution request user belongs”, and “execution request user user ID”
, "Push content belongs type", "Push content data", "Push subject group)"
, “Push target user”, “push timing”, “condition of operating state of user terminal 20 to be pushed”, and the like may be included.

<Block table>
FIG. 7E is a diagram showing an example of the block table. The block table is a table for managing various types of second economic activity block type second economic activity information. In the block table, for example, "user ID", "start time", "end time", and "block target"
And may be included. The start time and the end time respectively mean, for example, the start time point and the end time point of the period in which the block is executed, respectively. The block target indicates, for example, a category of type II related to the second economic activity such as push type or pull type by another person who is the target of the block. When the server 10 receives the “block request” (request for executing the second economic activity block type second economic activity) from the user terminal 20, the server 10 updates the second ledger and also stores the storage unit 11 of the server 10. It is advisable to record the “block content” (contents of the second economic activity block-type second economic activity execution request) in the block table stored in. The block table may be integrated with the above-mentioned second economic activity execution request table.

<1st economic activity basic score table>
FIG. 7F is a diagram showing an example of the first economic activity basic score table. The first economic activity basic score table is a table for managing the basic score that is the basis for calculating the evaluation score related to the first economic activity. In the first economic activity basic score table, for example, basic scores for evaluating the free exchange value defined by the operation information of the user terminal 20 that acquires the free exchange value belonging to the type I in the first economic activity are stored. May be included. In the first economic activity basic score table, for example, basic scores may be defined for each category of category I to which the free exchange value that is the target of the first economic activity belongs and for each subject group. The configuration of the category of type I and the value of the basic score included in the first economic activity basic score table may be set by, for example, the system administrator, or the basic score correction received from at least one user terminal 20. It may be determined based on the request. The basic score does not have to be different for each subject group,
For example, a difference may be provided for each subject group so as to reflect the characteristics of each subject group. The basic score may be set (changed) collectively for each specific category included in the type I across the subject groups.

The substantial weight of the evaluation of the free exchange value belonging to type I may differ for each category of type I, each group of subjects, and each period. Therefore, the server 10 receives, for example, a request to correct the basic score (basic score correction request) from the user terminal 20, and corrects the basic score included in the first economic activity basic score table in accordance with the request. Good. The basic score correction request may include, for example, a user ID, a category of type I, and information indicating a desired basic score. The server 10 receives a basic score correction request from at least one user terminal 20, and based on the basic score correction request at a predetermined timing (for example, every predetermined period, timing designated by a system administrator, or any time). The basic score included in the first economic activity basic score table may be corrected. The method for calculating the basic score correction value is not particularly limited, but for example, a weighted average (including a simple average value) of desired corrected basic scores relating to each basic score correction request, a median value, etc. Good. In addition, the server 10 includes a storage unit 11
Refer to the search history table stored in to analyze the number and frequency of searches for each category of type I, and correct the basic scores included in the first economic activity basic score table based on the analysis results. May be. The user terminal 20 may display a screen for inputting various information related to the basic score correction request by the user. The screen may be configured in any mode.

<Second economic activity basic price table>
FIG. 7G is a diagram showing an example of the second economic activity base price table. The second economic activity basic price table is a table for managing a basic price that is a basis for calculating the consumption quantity of the first value exchange medium related to the second economic activity. The second economic activity basic price table receives the second execution request content related to the act of acquiring the paid consumption value belonging to type II in the second economic activity.
The operating state of the user terminal 20 that is the target of the economic activity (for example, if it is “push type”, the server 10 executes the acquisition related to the paid consumption value belonging to the type II registered in the second economic activity execution request table). The request content may be transmitted to the display device of the user terminal 20 based on the operating state of the user terminal 20 that is trying to acquire the free exchange value belonging to the type I that is the execution request target, or may be the “pull type”. For example, the server 10 belongs to the type II that is the source of the execution request without registering the execution request content related to the acquisition of the paid consumption value belonging to the type II that has approved the execution request, in the second economic activity execution request table. User terminal 20 trying to acquire paid consumption value
The basic price for each act of acquiring the paid consumption value belonging to the type II related to the second economic activity may be included, which is defined by the transmission “providing big data etc.” based on the operating state of. The second economic activity basic price table may include, for example, a basic price for each category of category II to which the paid consumption value to be acquired in the second economic activity belongs and for each subject group.
The “category of type II”, the “basic price”, and the like included in the second economic activity basic price table may be set by, for example, a system administrator, or determined (updated) by artificial intelligence using a machine learning device. ) May be done. The “basic price” may or may not be different for each principal group, but the value according to the present embodiment may be set over a plurality of principal groups having different purchasing powers. When implementing the exchange medium distribution system 1, it is preferable to provide a difference for each subject group. The system administrator prescribes each category of paid consumption value so as to classify the paid consumption value handled in the second economic activity in advance, and for each category of category II of each subject group,
For example, type IIA of subject group A is “300 ACT/min”, and type IIB is “800 ACT/min”
, Or the type IIC, it is preferable to set the basic price according to the form of the act of acquiring the pre-classified paid consumption value, such as “5 ACT/pixel×min”.

The substantial weight of each paid consumption value represented by the base price for the act of acquiring the paid consumption value belonging to type II may differ for each category of type II, each group of subjects, and each period. Therefore, the server 10 is based on, for example, an information processing device operated by a system administrator connected to the server 10, an input/output I/F 104 (device) of the server 10, or a machine learning device connected to the server 10 described above. A request to correct the price (basic price correction request) may be accepted, and the basic price included in the second economic activity basic price table may be corrected according to the basic price correction request. The basic price correction request may include, for example, information indicating the category of type II, the group of entities, and the corrected basic price. The server 10 accepts the basic price correction request from at least the one device, and based on the basic price correction request at a predetermined timing (for example, every predetermined period, timing specified by the system administrator, or any time). 2 You may correct the basic price included in the economic activity basic price table. The calculation method of the correction value of the base price is
Although not particularly limited, it may be, for example, an arbitrary base price related to each base price correction request.

<Second Economic Activity Table>
FIG. 7H is a diagram showing an example of the second economic activity table. The second economic activity table is a table for managing various kinds of information regarding the second economic activity. In the second economic activity table, for example, “date time”, “user ID of user performing second economic activity”, “subject group to which user performing second economic activity belongs”, “second economic activity quantity”, The “type” and the “subject group to which the user who is the target of the second economic activity belongs” and the like may be included. The second in "date time"
The time that economic activity took place is recorded. The date and time may be the world standard time. "
In the “second economic activity quantity”, the consumption quantity of the first value exchange medium in the second economic activity performed by the “user performing the second economic activity” is recorded. In the “type”, the category of the type II to which the paid consumption value to be acquired in the second economic activity performed by the user belongs is recorded.

<First evaluation table>
FIG. 7I is a diagram showing an example of the first evaluation table. The first evaluation table is a table for managing various information regarding the first economic activity for each first economic activity. In the first evaluation table, for example, "date time", "free exchange value ID", "type", "user ID of free exchange value provider", and "free exchange value provider" for each first economic activity Subject group", "
The user ID of the free exchange value acquirer, the “subject group to which the free exchange value acquirer belongs”, the “evaluation score”, the “evaluation value”, the “issue of evaluation” and the like may be included. In the "date time", the time when the first economic activity is performed is recorded. In the “free exchange value ID”, the ID of the free exchange value evaluated by the first economic activity is recorded. In “Type”, the category of the type I to which the free exchange value to be evaluated belongs is recorded. The “evaluation score” is an evaluation value or an evaluation purchasing power ratio calculated based on the first economic activity basic score table and the operation information related to the acquisition of the free exchange value of the user terminal 20 used by the free exchange value acquirer. The evaluation score, which is the basis of calculation, is quantitatively calculated and recorded. Here, the operation information is information arbitrarily (qualitatively or quantitatively) indicating the operation of the user terminal 20 when the user terminal 20 uses (acquires) the free exchange value. The operation information includes various input devices (touch panel,
Hardware keys such as touch display and keyboard, pointing devices such as mouse, camera, microphone, GPS sensor, acceleration sensor, tilt sensor, vibration sensor, temperature sensor, atmospheric pressure sensor, humidity sensor, illuminance sensor, pressure sensor, blood pressure sensor , Heart rate sensor,
It may include any information that can be acquired by a body temperature sensor, a perspiration sensor, etc.). More specifically, the operation information may be, for example, the reproduction time or the like for the free exchange value that is moving image data, and the display data amount (including the number of display characters) for the free exchange value that is the character data of articles and the like. Etc., and the free replacement value, which is image data, may be the number of display pixels or the like. The motion information is basic data for calculating the evaluation score from the basic score determined for each category of the type I and each subject group. That is, the operation information is the user terminal 2
It is information that can be the basis for calculating the evaluation score from the basic score related to the free exchange value belonging to the type I acquired in 0. A system administrator or the like may arbitrarily set what kind of data is acquired by which input device as the operation information. In particular, the system administrator or the like may set the operation information such that the above-mentioned evaluation score is rationally calculated according to the mode of the free exchange value for each category of the type I. In the “evaluation value”, an evaluation value calculated by the free exchange value evaluation unit 122 described later is recorded. “Issue of evaluation” means the evaluation issuing unit 12 described later.
Information indicating whether the evaluation issue of the first value exchange medium based on the evaluation value of 3 has been executed or has not been executed is recorded. As a result, the server 10 uses the history information of the behavior of the user, such as the acquisition of the free exchange value belonging to the type I, as big data integrated with the other tables stored in the storage unit 11 and the ledger. It becomes possible to obtain, and by handling the history information (big data) as “value” generated in the first network,
Through the economic activity, it is possible to provide the user terminal 20 with the economic value resulting from the action of extracting the “value” generated in the first network by the first economic activity as the paid consumption value.

The evaluation score recorded in the first evaluation table is, for example, by the evaluation correction unit 127 of the server 10 at a predetermined timing (for example, before the calculation processing of the evaluation purchasing power multiplying factor by the free exchange value evaluation unit 122 of the server 10 is started. May be corrected by a predetermined evaluation correction algorithm. The evaluation correction algorithm may be a process of correcting the evaluation score based on an arbitrary parameter related to the first economic activity and/or setting information set by the user, the system administrator, or the like.

With respect to the free exchange value acquired by each user, it is possible to consider attributes such as, for example, in which category of category I the user is the provider of the free exchange value. The evaluation correction algorithm is, for example, that the attribute of a specific free exchange value (free exchange value acquired by the free exchange value acquirer in the first economic activity) relating to the evaluation point to be corrected is
Based on the ratio of all free exchange value attributes acquired by the user within the predetermined period,
It may be a process of correcting the evaluation score.

For example, when the category I category including the free exchange value is used as the above-described attribute, the evaluation correction unit 127 of the server 10 or the like includes the category in all the free exchange values acquired by the user within a predetermined period. It is also possible to calculate the ratio occupied by the free exchange value and correct the evaluation score to be corrected based on the ratio. At this time, the larger the ratio, the smaller the evaluation score may be corrected. Further, the smaller the ratio, the larger the evaluation score may be corrected.

Further, for example, when the provider of the free exchange value is the above-mentioned attribute, the evaluation correction unit 127 or the like of the server 10 includes the free exchange value to be corrected out of all free exchange values acquired by the user within a predetermined period. It is also possible to calculate the ratio of the free exchange value provided by the value provider and correct the evaluation score to be corrected based on the ratio. At this time, the larger the ratio, the smaller the evaluation score may be corrected. Further, the smaller the ratio, the larger the evaluation score may be corrected.

The correction process of the evaluation score may be executed, for example, by multiplying the evaluation score by a predetermined correction magnification. Here, the correction magnification may be calculated as follows, for example.
“Correction ratio”=1+y+y′

Here, y=a+(1-browsing ratio of each category)×b, a is an added value when all free exchange values of the same category are acquired, and b is a category that has never been acquired. It is the additional value when the free exchange value of is acquired. Further, y′=a′+(1-browsing ratio of each user)×b′, and a′ is an added value when all free exchange value providers provided the same free exchange value. , B′ represent additional values when the free exchange value provided by the free exchange value provider that has never been obtained is acquired.

Further, the evaluation correction algorithm is, for example, a process of correcting the evaluation score based on the ratio of the portion used by the free exchange value acquirer (outputted by the user terminal 20) to the entire free exchange value of one unit. May be As described above, the evaluation score correction process may be executed, for example, by multiplying the evaluation score by a predetermined correction magnification. here,
The correction multiplying factor may be, for example, the ratio of the portion used by the free exchange value acquirer (outputted by the user terminal 20) to the entire free exchange value of one unit.

<Evaluated purchasing power ratio table>
FIG. 7J is a diagram showing an example of an evaluation purchasing power multiplying factor table. The evaluation purchasing power ratio table is a table for managing the evaluation purchasing power ratio to be described later in each evaluation purchasing power ratio calculation period. Here, the evaluation purchasing power multiplying factor calculation period may be a predetermined period arbitrarily set by the system administrator or the like for calculating the evaluation purchasing power multiplying factor. In the evaluation purchasing power multiplying factor table, for example, as shown in FIG. 7J, each evaluation purchasing power multiplying factor may be recorded for each subject group.

<Exchange request table>
FIG. 7K is a diagram showing an example of the exchange request table. The exchange request table includes an exchange request received from the user terminal 20 and a contract process (first exchange or second exchange) for the exchange request.
This is a table for managing (exchange). In the exchange request table, for example, “date and time of exchange request”, “user ID”, “subject group”, “exchange request type”, “quantity”, “desired exchange rate”, and “date and time of contract processing”. May be included. In “date and time of exchange request”, the time when the server 10 acquires the exchange request from the user terminal 20 is recorded. "User ID" is
The user ID of the user terminal 20 that has transmitted the exchange request is recorded. In the “subject group”, the subject group to which the user of the user terminal 20 that has transmitted the exchange request belongs is recorded. The "exchange request type" records the type of exchange request, that is, whether the exchange request is the first exchange request or the second exchange request. In the "quantity", the number of exchange media desired to be exchanged (first value exchange medium for the first exchange request, second value exchange medium for the second exchange request) is recorded.
In the desired exchange rate, the ratio of the unit exchange value of the first value exchange medium and the second value exchange medium desired by the user is recorded. In the “date and time of contract processing”, the time when the server 10 executes contract processing for the exchange request is recorded.

<Debt issuance table>
FIG. 7L is a diagram illustrating an example of the debt issuance table. Here, the debt issuance table is a table for managing various quantities relating to debt issuance of the first value exchange medium. In the debt issuance table, for example, "debt issuance quantity", "offset purchase quantity", "timed cancellation quantity", "
"Balance of debt issuance", "Total circulation of first value exchange medium", and "Ratio of debt outstanding to total circulation" (ratio of balance of debt issuance to total circulation of first value exchange medium), etc. May be included. Here, if the debt issuance quantity is A, the offset purchase quantity is B, and the timed cancellation quantity is B′, the debt issuance balance can be expressed as A−(B+B′). Debt issuance quantity A is the cumulative total of newly issued debt issuance quantity, offset purchase quantity B is the cumulative total of new offset purchase quantity, and timed cancellation quantity B'is the newly timed cancellation quantity. May be calculated as the accumulation of each.

<Third Economic Activity Table>
FIG. 7M is a diagram showing an example of the third economic activity table. The third economic activity table is a table for managing various kinds of information regarding the actually performed third economic activity. In the third economic activity table, for example, "date time", "provider main group", "provider user ID",
It may include “acquirer main group”, “acquirer user ID”, “type”, “first value exchange medium quantity” and the like. The "date time" records the time when the third economic activity was performed. The date and time may be the world standard time. In the "provider main body group", the main body group to which the user who has become the provider in the third economic activity belongs is recorded. The “provider user ID” records the ID of the user who has become the provider in the third economic activity. In the "acquirer subject group", the subject group to which the user who became the acquirer in the third economic activity belongs is recorded. The “acquirer user ID” records the user ID of the user who became the acquirer in the third economic activity. In the “type”, the category of the type III to which the paid exchange value related to the third economic activity performed by the user belongs is recorded. In the "first value exchange medium quantity", the quantity of the first value exchange medium as the exchange consideration of the paid exchange value traded in the third economic activity is recorded.

<First ledger>
FIG. 7N is a diagram showing an example of the first ledger. The first ledger is a ledger for managing various information regarding the first value exchange medium. Issuance and transfer of the first value exchange medium to the first ledger (
Transfer), information about cancellation, etc. are included. As shown in FIG. 7N, for example, the first ledger may include “medium ID”, “acquisition user ID”, “acquisition date”, “acquisition cause”, “remittance source user ID”, “scheduled cancellation date”, and the like. Good. The medium ID is information for identifying each first value exchange medium. The acquisition user ID is the user ID of the user who acquired the first value exchange medium. The acquisition date is the date when the user acquired the first value exchange medium. The acquisition cause is the reason why the user acquired the first value exchange medium, and may include, for example, evaluation issuance, debt issuance, third economic activity, and (simple) remittance. The “remittance source user ID” is the user ID of the user who remits the acquired first value exchange medium when the acquisition cause is the third economic activity or (simple) remittance. The scheduled cancellation date is the date of the cancellation deadline of the first value exchange medium set by the server 10. The first ledger described above has a mode in which a medium ID is attached to each of the first value exchange media to distinguish them. However, the first ledger may be configured to record the number of first value exchange media associated with each user ID without distinguishing each of the first value exchange media. In the case where the "medium ID" is used, consumption by the user in the second economic activity, offset purchase by the second contract processing of the server 10 based on the first exchange request of the user terminal 20, or "scheduled cancellation date". The first value exchange medium to be canceled (consumption cancellation, offset cancellation, or timed cancellation) may be canceled from the first ledger due to the arrival of "," etc. The "medium ID" itself may be cumulatively managed. In the case of cumulatively managing the "medium ID", the "medium ID" in which the "user ID" is blank may be continuously accumulated, or the "media ID" may be cumulatively accumulated after a predetermined period has elapsed. The “medium ID” in which the accumulated “user ID” is blank may be assigned to the evaluation issuance amount or the debt issuance amount.

In the present embodiment, the record of the first ledger is rewritten in response to the issuance, transfer (assignment) or cancellation of the first value exchange medium. The history leading up to the cancellation may be left as a record.

<Second evaluation table>
FIG. 7O is a diagram illustrating an example of the second evaluation table. The second evaluation table is the server 10
It is a table for evaluating each user from the remittance state of the second value exchange medium between the and user terminals 20. That is, when the second evaluation table is included in the configuration, “increase pattern (iii) increase based only on movement evaluation value” or “increase pattern (iv) holding quantity and movement evaluation value” of the second value exchange medium described later. In the case of “based on”, instead of simply determining the new issuance quantity based on the size of the remittance quantity, by evaluating the remittance content using the second evaluation table, the new issuance of the second value exchange medium at the time of increase It is possible to "determine the quantity based on the movement evaluation value and the arrival surcharge rate". When the movement evaluation value is calculated using the second evaluation table and the increase pattern (iii) is included in the configuration, the second value exchange medium quantity newly issued to the user is “recorded in the second evaluation table. The ratio of the user's movement evaluation value to the sum of the movement evaluation values×(arrival surcharge rate−1)×second value exchange medium distribution total amount”, in other words, the movement evaluation value in the second evaluation table is the first evaluation. It can be said that it plays almost the same role as the evaluation score in the table. This can improve the distribution speed of the first value exchange medium and the second value exchange medium. In the second evaluation table, for example, "date time", "quantity of second value exchange medium", "
The “remittance user ID”, “remittance user ID”, “remittance category”, “remittance category multiplying factor”, “offset determination”, and “movement evaluation value” may be included. The date and time when the movement of the second value exchange medium is executed is recorded in the “date time”. The time may be the world standard time. In the "quantity of second value exchange medium", the number of second value exchange medium in which the transfer is executed is recorded. "Remittance User I
In “D”, the identification number of the user whose association with the medium ID is released is recorded. The “payment user ID” records the identification number of the user newly associated with the medium ID. 7O
In, "U000" is described as the server ID. The “remittance category” records the category according to the remittance status. For example, if A, the second exchange request from the user terminal 20 and remittance of the second value exchange medium to the server 10 that occurs when the first market exchange request from the server 10 is executed, and if B, the charge or fee in the first network. Server 1 that occurs when you make payments, etc.
The remittance classification is set in advance such as remittance of the second value exchange medium to 0 and remittance of the second value exchange medium between the user terminals 20 such as transfer and settlement if C. In the “remittance category multiplying factor”, the multiplying factor set according to the remittance category is recorded. This may be determined and updated as a dedicated act by the server 10, or may be determined and updated by means including at least one or more user terminals 20. In the "offset determination", it is determined whether or not the executed remittance is added to the calculation of the movement evaluation value, and is added to the calculation of the movement evaluation value (no offset judgment)
If it is determined to be 0, 0 is recorded, and if it is determined not to be added to the calculation of the movement evaluation value (with cancellation determination), 1 is recorded. Furthermore, if the remittance that was previously determined to have no offset determination is determined to have an offset determination due to a transaction that occurred later, the offset determination for that remittance may be rewritten and recorded, or the transfer evaluation value may be a negative value. A row may be created just to cause it. The judgment method is
For example, when the remittance user U002 remits money to the remittance user U001 by the normal transfer C, and the remittance user U001 performs remittance by the normal transfer C to the remittance user U002 within a predetermined period ( It can be regarded as the act of returning the second exchange medium to the remitter), and the movement of the same number of the second value exchange medium may not be added to the movement evaluation value. In the second evaluation table of FIG. 7O, when the move of row 5 is executed, the transaction of row 1 already exists, so row 1
And the same quantity, 120,000 EST, was subtracted from 186,000 in row 5 to 66,00.
The movement evaluation value is calculated using only 0EST. At the same time, the movement evaluation value in row 1 is rewritten to 0. (Or, a line may be created only for subtracting the movement evaluation value of U001 by minus 120,000.) The "movement evaluation value" is calculated by (quantity of second value exchange medium) x (remittance classification multiplying factor) The calculated value is recorded.

<Second ledger>
FIG. 7P is a diagram showing an example of the second ledger. The second ledger is composed of, for example, a block chain, and includes transaction information (transaction) of the second value exchange medium. The block contains information about any transaction between users. Specifically, each block includes a list of transactions that is digest data and information about the transactions. The digest data includes a new hash value calculated from the immediately preceding block. That is, FIG.
As shown in P, each block includes a hash value calculated from the information included in the immediately preceding block, so that each block is connected like a chain in the transaction database (
Block chain). A transaction is data that records a transaction of the second value exchange medium between users. The transaction includes input information indicating information about a transfer source and output information indicating information about a transfer destination. The input information is the output information of the transaction when the transfer source user receives the transfer of the second value exchange medium to be traded (identification information identifying the transaction (hash value of transaction, array number, etc.)), It includes information for proving that the user owns the second value exchange medium (such as a script satisfying the conditions for using the output).

FIG. 7Q is a diagram showing another example of the second ledger. The second ledger includes information about issuance, transfer (transfer), and cancellation of the second value exchange medium. As shown in FIG. 7Q, the second ledger includes, for example, “medium ID”, “user ID”, “acquisition cause”, “acquisition date”, and the like. Medium I
D is information for identifying each second value exchange medium. The user ID is information for identifying the holder of the second value exchange medium. The acquisition cause is information indicating the cause of the acquisition of the second value exchange medium, and is, for example, newly issued by the server 10 or the user terminal 20 to increase the amount of the second value exchange medium, which will be described later, and the exchange function of the server 10. First by first exchange
It may include acquisition as a consideration for the value exchange medium, remittance from another user terminal 20, and the like. The acquisition cause may include, for example, the debt issuance by the server 10. Further, the acquisition cause may include, for example, credit issuance by the server 10 or the user terminal 20. The acquisition date is
This is the date when the user acquired the second value exchange medium. The second ledger described above has a mode in which a medium ID is attached to each of the second value exchange media to distinguish them. However, the second ledger may have a mode in which the number of the second value exchange media associated with each user ID is recorded without distinguishing each of the second value exchange media. In the case where the "medium ID" is used, the second value exchange medium to be canceled by the smart contract unit 131 or the reduction execution unit 131e or 231e of the 231, may be canceled from the second ledger, or may be canceled. Instead, the “user ID” may be left blank and the “medium ID” itself may be cumulatively managed. In the case of cumulatively managing the “medium ID”, the “medium ID” in which the “user ID” is blank may be continuously accumulated, or may be cumulatively accumulated after a predetermined period has elapsed. Increase the "medium ID" in which the accumulated "user ID" is blank execution unit 131c or 23
You may make it allocate to the issue etc. by 1c.

In the present embodiment, the record of the second ledger is rewritten in response to the issuance, transfer (assignment) or cancellation of the second value exchange medium. The history of the cancellation may be left as a record.

<Credit issue table>
FIG. 7R is a diagram showing an example of a credit issuance table. The credit issuance table includes information on credit issuance of the second value exchange medium. As shown in FIG. 7R, the credit issuance table includes, for example, “credit issue destination ID”, “credit issuer ID”, “credit issue quantity”, “credit cancellation quantity”, “credit issue balance”, and “credit issue limit”. Including "quantity" etc. "Credit Issuer ID" is
This is a user ID as a credit issue destination. The “credit issuer ID” is a system administrator ID or a user ID as a credit issuer. The "credit issuance quantity" is the (cumulative) quantity of the second value exchange medium that is credit-issued to the user of the credit issue destination. The “credit cancellation quantity” is the (cumulative) quantity of the second value exchange medium credit-credited to the user of the credit issue destination. The "credit issuance balance" is the balance of the credit issuance volume currently issued to the user of the credit issuance destination (that is, "(cumulative) credit issuance quantity-(cumulative) credit cancellation quantity").
Is. The credit issuance limit quantity is a predetermined credit issuance limit quantity related to the user of the credit issue destination.

(2-3-2) First value exchange medium management unit 12
The first value exchange medium management unit 12 includes, for example, the value processing unit 121 and the free exchange value evaluation unit 1
22, evaluation issuing unit 123, remittance processing unit 124, settlement processing unit 125, and cancellation processing unit 1
26, an evaluation correction unit 127, and a second economic activity processing unit 128. Value processing unit 121
Executes the process related to the value received from the user terminal 20. Free exchange value evaluation unit 12
Reference numeral 2 is an example of an evaluation issuance algorithm, which executes evaluation processing for a value transferred between users free of charge and a free exchange value provider. The evaluation issuing unit 123 evaluates and issues the first value exchange medium to the free exchange value provider based on the evaluation value calculated by the free exchange value evaluation unit 122. The remittance processing unit 124 executes remittance processing between users of the first value exchange medium. The payment processing unit 125 executes processing related to payment related to the third economic activity between users of the first value exchange medium. The cancellation processing unit 126 manages the cancellation deadline of each first value exchange medium, and executes the processing of canceling the first value exchange medium that has reached the cancellation deadline. The evaluation correction unit 127 executes a process of correcting the first economic activity basic score table. The second economic activity processing unit 128 executes processing relating to the second economic activity.

(2-3-3) Second value exchange medium management unit 13
The second value exchange medium management unit 13 has, for example, a smart contract unit 131 and a credit issuing unit 132.

The smart contract unit 131 is configured as a so-called smart contract that automatically executes a predetermined process when a predetermined increase condition or a predetermined decrease condition is satisfied, and specifically, based on monitoring of a market exchange rate. The increase/decrease process (increase process or decrease process) of the second value exchange medium is executed. The smart contract unit 131 is, for example, a market exchange rate acquisition unit 131a, an increase condition determination unit 131b, an increase execution unit 131c, and a decrease condition determination unit 131.
d and the reduction execution unit 131e. The market exchange rate acquisition unit 131a is, for example, the server 1
The market exchange rate is acquired from the exchange management unit 15 (for example, the market exchange rate calculation unit 151) of 0. The increase condition determination unit 131b determines whether or not a predetermined increase condition is satisfied, for example. The increase execution unit 131c, for example, according to the determination result of the increase condition determination unit 131b, a second
A process of increasing the value exchange medium by a predetermined amount is executed. The decrease condition determination unit 131d determines whether or not a predetermined decrease condition is satisfied, for example. The reduction execution unit 131e, for example,
A process of reducing the second value exchange medium by a predetermined number is executed according to the determination result of the reduction condition determination unit 131d.

The credit issuing unit 132 executes, for example, processing related to credit issuing of the second value exchange medium. The credit issuing unit 132 includes, for example, a reception unit 132a, an update information generation unit 132b, and a determination unit 13.
2c and. The reception unit 132a receives a credit issuance request from the user terminal 20, for example. The update information generating unit 132b generates, for example, update information of the second ledger for credit issuance. More specifically, the update information generation unit 132b is provided from, for example, the user ID that is the source of the credit issuance request, which is represented by the number of second value exchange media associated with the user ID related to the credit issuance request. Update information for newly issuing (credit issuance) a second value exchange medium of a quantity based on the magnitude of the value of the asset to be generated to the user ID. Determination unit 132c
Determines, for example, whether or not the balance of the second value exchange medium credit-issued to the user ID relating to the credit issuance request exceeds a predetermined credit issuance limit quantity.

(2-3-4) Account management unit 14
The account management unit 14 executes basic processing for the user to use the value exchange medium service, such as user registration and login processing. The processing of the account management unit 14 may include authentication processing such as biometric authentication or two-step authentication.

(2-3-5) Exchange office management unit 15
The exchange management unit 15 executes processing of the first value exchange medium and the second value exchange medium provided by the server 10 as an exchange. The exchange management unit 15 is, for example, the market exchange rate calculation unit 15
1, a first exchange request reception unit 152a, a second exchange request reception unit 152b, a first market exchange request generation unit 153a, a second market exchange request generation unit 153b, a first contract processing unit 154a,
A second contract processing unit 154b, an increase desired exchange rate correction unit 155a, a decrease desired exchange rate correction unit 155b, a first fixed exchange request generation unit 156a, and a second fixed exchange request generation unit 156b. ..

The market exchange rate calculation unit 151 includes, for example, a desired exchange rate (a first desired exchange rate and a second desired exchange rate) which is an exchange rate between the first value exchange medium and the second value exchange medium desired by the user. )
Based on, the market exchange rate (including the first market exchange rate and the second market exchange rate), which is the market rate of the desired exchange rate, may be calculated.

The first exchange request receiving unit 152a may receive the first exchange request received from the user terminal 20 and record the first exchange request in the exchange request table stored in the storage unit 11, for example. Here, the first exchange request may be, for example, a request for exchanging a predetermined amount of the first value exchange medium with the second value exchange medium at the first desired exchange rate desired by the user.

The second exchange request reception unit 152b may receive the second exchange request received from the user terminal 20 and record it in the exchange request table stored in the storage unit 11, for example. Here, the second exchange request may be, for example, a request for exchanging a predetermined amount of the second value exchange medium with the first value exchange medium at the second desired exchange rate desired by the user.

The first market exchange request generation unit 153a may generate a predetermined first market exchange request, for example. Here, the predetermined first exchange rate request is, for example, the desired exchange rate (first desired exchange rate and second desired exchange rate).
It may be a request for exchanging a predetermined amount of the first value exchange medium with the second value exchange medium at the market exchange rate (first market exchange rate) which is the market price of the desired exchange rate).

The second market exchange request generation unit 153b may generate a predetermined second market exchange request, for example. Here, the predetermined second exchange rate request is, for example, the desired exchange rate (first desired exchange rate and second exchange rate).
It may be a request for exchanging a predetermined amount of the second value exchange medium with the first value exchange medium at the market exchange rate (second market exchange rate) which is the market price of the desired exchange rate).

For example, the first contract processing unit 154a may execute a contract process of a first market exchange request, a first fixed exchange request, and the like and a second exchange request that satisfies a predetermined first contract exchange condition. The predetermined first contract condition is, for example, that the second desired exchange rate is equal to or lower than the first market exchange rate, and the second
It may include that the desired exchange rate is the same as or lower than the first target exchange rate. Further, the predetermined first contract condition may include that the second exchange request is a service.

The second contract processing unit 154b may execute, for example, a contract process of a second quote exchange request, a second fixed exchange request, and the like and a first exchange request that satisfies a predetermined second contract exchange condition. The predetermined second contract condition is, for example, that the first desired exchange rate is equal to or higher than the second market exchange rate, and
It may include that the desired exchange rate is the same as or higher than the second target exchange rate. Further, the predetermined second contract condition may include that the first exchange request is a service.

For example, when the number of second value exchange mediums associated with each user ID increases in response to a predetermined increase condition being satisfied, the desired exchange rate modification unit 155a for increasing the first exchange request related to the first exchange request. The 1 desired exchange rate may be corrected so as to offset the increase rate of the quantity of the second value exchange medium associated with the user ID relating to the first exchange request. In addition, the desired exchange rate correction unit for increase 1
55a, for example, when the number of the second value exchange medium associated with each user ID increases in response to a predetermined increase condition being satisfied, the second desired exchange rate relating to the second exchange request is set to the second desired exchange rate. The correction may be made so as to offset the increase rate of the number of the second value exchange media associated with the user ID related to the second exchange request.

For example, when the number of second value exchange media associated with each user ID decreases in response to a predetermined reduction condition being satisfied, the desired exchange rate modification unit at the time of decrease 155b determines the first exchange request related to the first exchange request. The 1 desired exchange rate may be modified so as to offset the decrease rate of the number of the second value exchange media associated with the user ID relating to the first exchange request. Also, the desired exchange rate correction unit 1 at the time of decrease
55b, for example, when the number of the second value exchange mediums associated with each user ID decreases in response to the satisfaction of a predetermined reduction condition, the second desired exchange rate related to the second exchange request is set to the second desired exchange rate. The correction may be made so as to offset the decrease rate of the quantity of the second value exchange medium associated with the user ID related to the second exchange request.

The first fixed exchange request generation unit 156a may generate a predetermined first fixed exchange request, for example. Here, the predetermined first fixed exchange request may be, for example, a request for exchanging the first value exchange medium with the second value exchange medium at a predetermined target exchange rate (first target exchange rate).

The second fixed exchange request generation unit 156b may generate a predetermined second fixed exchange request, for example. Here, the predetermined second fixed exchange request may be, for example, a request for exchanging the second value exchange medium with the first value exchange medium at a predetermined target exchange rate (second target exchange rate).

(2-4) Functional Configuration of User Terminal 20 FIG. 8 is a block diagram showing an example of the functional configuration of the user terminal 20. User terminal 2
0 has, for example, a storage unit 21, a first value exchange medium processing unit 22, a second value exchange medium processing unit 23, an account processing unit 24, an exchange request processing unit 25, and a display processing unit 26. ..
These are a processor 101, a memory 102, which the information processing apparatus 100 described above has,
It is realized by cooperation of the storage 103, the input/output I/F 104, and the communication I/F 105.

(2-4-1) Storage unit 21
The storage unit 21 stores, for example, a second evaluation table, a second ledger, and a wallet management application X. The second ledger may be configured as a distributed ledger such as a block chain, and may include transaction information (transaction) of the second value exchange medium. Note that the second evaluation table may be configured as a distributed ledger such as a block chain like the second ledger, or may be attached to the second ledger.

The wallet management application X includes a wallet management application X1 and a wallet management application X2.
Is a general term. The wallet management application X1 is an application for managing the first value exchange medium (associated with the user ID) owned by the user and recorded in the first ledger. The user issues the first value exchange medium from another user (user ID and server ID) by the wallet management application X1 using the user terminal 20 (evaluation issue and debt issue from the server 10) and transfer. Accepting (including transfer as consideration for arbitrary transaction) and transferring the first value exchange medium to other users (user ID and server ID) (one-way remittance and transfer as consideration for arbitrary transaction) May be included). In addition, the wallet management application X2 is the second one owned by the user recorded in the second ledger.
Functions as an app to manage value exchange media. The user uses the user terminal 20 and the wallet management application X2 to issue credit, transfer (unilateral remittance, and consideration for any transaction) of the second value exchange medium from other users (user ID and server ID). Is accepted), the increase execution units 131c and 231c issue the second value exchange medium, the decrease execution units 131e and 231e receive the cancellation of the second value exchange medium, and other users It is preferable that the second value exchange medium can be transferred to (the user ID and the server ID).

(2-4-2) First value exchange medium processing unit 22
The first value exchange medium processing unit 22, for example, a value registration processing unit 221, a remittance unit 222,
It has a second economic activity processing unit 223, a value utilization unit 224, and a basic score correction requesting unit 225. The value registration processing unit 221 executes registration processing relating to a paid exchange value belonging to type III or a free exchange value belonging to type I. The remittance section 222 executes processing relating to remittance of the first value exchange medium. The second economic activity processing unit 223 executes processing relating to the second economic activity. The value utilization unit 224 executes processing relating to utilization of a paid exchange value or a free exchange value. The basic score correction requesting unit 225 executes a process related to a request for correcting the basic score relating to the evaluation of the free exchange value belonging to the type I.

(2-4-3) Second value exchange medium processing unit 23
The second value exchange medium processing unit 23 has, for example, a smart contract unit 231 and a credit issuing unit 232.

The smart contract unit 231 is configured as a so-called smart contract that automatically executes a predetermined process when a predetermined increase condition or a predetermined decrease condition is satisfied. Specifically, it is based on monitoring of a market exchange rate. The increase/decrease process (increase process or decrease process) of the second value exchange medium is executed. The smart contract unit 231 is, for example, a market exchange rate acquisition unit 231a, an increase condition determination unit 231b, an increase execution unit 231c, and a decrease condition determination unit 231.
d and a reduction execution unit 231e. The market exchange rate acquisition unit 231a is, for example, the server 1
The market exchange rate is acquired from the exchange management unit 15 (for example, the market exchange rate calculation unit 151) of 0. The increase condition determination unit 231b determines whether or not a predetermined increase condition is satisfied, for example. The increase execution unit 231c, for example, determines whether to increase the second value according to the determination result of the increase condition determination unit 231b.
A process of increasing the value exchange medium by a predetermined amount is executed. The decrease condition determination unit 231d determines whether or not a predetermined decrease condition is satisfied, for example. The reduction execution unit 231e, for example,
According to the determination result of the reduction condition determination unit 231d, a process of reducing the second value exchange medium by a predetermined amount is executed.

The credit issuing unit 232 executes, for example, a process related to credit issuing of the second value exchange medium. The credit issuing unit 232 includes, for example, a reception unit 232a, an update information generation unit 232b, and a determination unit 23.
2c and. The reception unit 232a receives a credit issuance request from the user terminal 20, for example. The update information generation unit 232b generates, for example, update information of the second ledger for credit issuance. More specifically, the update information generation unit 232b provides from the user ID that is the source of the credit issuance request, which is represented by the number of the second value exchange medium associated with the user ID related to the credit issuance request, for example. Update information for newly issuing (credit issuance) a second value exchange medium in a quantity based on the magnitude of the value of the asset to be generated to the user ID. Determination unit 232c
Determines, for example, whether or not the balance of the second value exchange medium credit-issued to the user ID relating to the credit issuance request exceeds a predetermined credit issuance limit quantity.

(2-4-4) Account processing unit 24
The account processing unit 24 executes basic processing for the user to use the value exchange medium service, such as user registration and login processing. The processing of the account processing unit 24 may include authentication processing such as biometric authentication or two-step authentication.

(2-4-5) Exchange request processing unit 25
The exchange request processing unit 25 transmits to the server 10 an exchange request having contents according to the user's operation. The exchange request processing unit 25 has, for example, a first exchange request processing unit 251 and a second exchange request processing unit 252. The first exchange request processing unit 251 transmits the first exchange request to the server 10 according to the user's operation. The second exchange request processing unit 252 transmits the second exchange request to the server 10 according to the operation of the user.

(2-4-6) Display processing unit 26
The display processing unit 26 executes processing for displaying various screens on the display device (input/output I/F 104) of the user terminal 20 based on predetermined display data.

(3) First Value Exchange Medium (3-1) Value Registration The free exchange value registration process, which is the basis for the evaluation and issuance of the first value exchange medium in the present embodiment, and the first value exchange relating to the third economic activity. The paid-for exchange value registration process, which is the basis of medium settlement (payment of consideration), will be described. In the process, for example, the user pays the free exchange value that is the basis for issuing the first value exchange medium, or the settlement of the first value exchange medium related to the third economic activity (
The paid exchange value, which is the basis for payment of consideration, is registered in the server 10. When registering the value, the user determines whether the value to be provided is the paid exchange value or the free exchange value, that is,
It may be possible to select whether or not to transfer the first value exchange medium from other users who use (acquire) the value.

(3-1-1) Paid Exchange Value Registration Processing FIG. 9 is a diagram showing an example of an operation sequence of paid exchange value registration processing.

(S3100)
First, the value registration processing unit 221 of the user terminal 20A accepts input of paid exchange value registration information, for example, in response to an operation of the input device (input/output I/F) by the user A. here,
The paid exchange value registration information is information relating to registration of a paid exchange value, and includes information indicating a paid exchange value and a price.

FIG. 10 shows a paid exchange value registration information input screen 300A-1 displayed on the user terminal 20A.
It is a figure which shows an example. As shown in FIG. 10, a paid exchange value registration information input screen 300A-
1 includes, for example, a paid exchange value input unit 301 to be registered, a price setting unit 302, a type selection unit 303, and a selection unit 304 for transmitting a paid exchange value registration request.

In the input unit 301, the user can input the paid exchange value to be registered. On the input unit 301, for example, information for specifying the paid exchange value, such as the storage location and the file name of the paid exchange value stored in the storage area of the user terminal 20A, is displayed. It should be noted that the data format of the paid exchange value and the input mode thereof are not limited to those described above. For example, the input unit 301 may be a form that can directly input text such as an exhibition form on an electronic commerce site or an input form on an SNS. Alternatively, the paid exchange value may be user's operation and environment information acquired by the user terminal 20A including a wearable terminal or the like. As a result, for example, skilled workers, dancers, and other analog actions can be treated as "economic value (paid exchange value)". Further, for example, the paid exchange value may be 3D information of the target object acquired by the user terminal 20A including the 3D scan terminal. In this way, for example, the creation of a work that is a work by an artist can be made
It may be possible to treat it as "paid exchange value)". Further, for example, the paid exchange value may be data such as moving images (live TV broadcasts) and audio (live radio broadcasts) provided by so-called live distribution. In this case, an input device for video or audio (input/output I/F1
04) transmits the information acquired by the user terminal 20A connected to the server 10 in real time and outputs the information to the viewing device (input/output I/F 104) connected to the other user terminal 20 in real time. It may be possible to distribute between users.

In the price setting unit 302, the user can set the quantity (price) of the first value exchange medium, which is a consideration for the use (acquisition) of value. Here, when the quantity is set to “0”, the paid exchange value may be registered as the “free paid exchange value”. When the paid exchange value is registered, the user is the value user when the user, which is another value user, uses the paid exchange value (performs the third economic activity), as described later. From the first value exchange medium held by the user, the transfer of the quantity set by the price setting unit 302 is received. In the type selection unit 303, the user selects the category of paid exchange value as the type II.
It is preferable to be able to select from the categories included in I (including categories obtained by subdividing category III such as category IIIA, IIIB, IIIC... ).

(S3101)
Next, the value registration processing unit 221 of the user terminal 20A transmits a paid exchange value registration request to the server 10 when the user inputs the paid exchange value registration information and then selects the selection unit 304. The paid exchange value registration request includes the paid exchange value registration information described above.

(S3102)
Next, when the value processing unit 121 of the server 10 receives the paid exchange value registration request from the user terminal 20A, the paid exchange value registration information included in the paid exchange value registration request is stored in the value table stored in the storage unit 11. sign up. Thereby, the paid exchange value may be available to the user who is another value user through the user terminal 20 by browsing, viewing, or the like in the first network provided by the server 10, for example.

(3-1-2) Registration processing of free exchange value FIG. 11 is a diagram showing an example of an operation sequence of registration processing of a free exchange value.

(S3103)
First, the value registration processing unit 221 of the user terminal 20A accepts input of free exchange value registration information, for example, in response to an operation of the input device (input/output I/F) by the user A. here,
The free exchange value registration information is information relating to the registration of the free exchange value, and includes the free exchange value described later.

FIG. 12 is a free exchange value registration information input screen 300A-2 displayed on the user terminal 20A.
It is a figure which shows an example. As shown in FIG. 12, free exchange value registration information input screen 300A-
2 includes, for example, a free exchange value input unit 305 to be registered, a type selection unit 306, and a selection unit 307 for transmitting a free exchange value registration request.

In the input unit 305, the user can input data relating to the free exchange value to be registered. The input unit 305 displays, for example, information for identifying the free exchange value, such as the storage location and file name of the free exchange value stored in the storage area of the user terminal 20A. Note that the format of the free exchange value and the mode of inputting it are not limited to those described above. For example,
The input unit 305 may be a form that can directly input text such as an exhibition form on an electronic commerce site or an input form on an SNS. Alternatively, the free exchange value may be user's operation and environment information acquired by the user terminal 20A including a wearable terminal or the like. This makes it possible, for example, for skilled workers, dancers, and other analog movements.
It may be possible to treat it as "value (free exchange value)". Further, for example, the free exchange value may be 3D information of the target object acquired by the user terminal 20A including the 3D scan terminal. As a result, for example, it may be possible to handle the modeling of a copyrighted work by an artist as “value (free exchange value)”. Also, for example, the free replacement value is
It may be data such as moving images (live TV broadcasts) and audio (live radio broadcasts) provided by so-called live distribution. In this case, an input device (input/output I/F 10) for video or audio
The information acquired by the user terminal 20A connected to 4) is transmitted to the server 10 in real time and is output to the viewing device (input/output I/F 104) connected to the other user terminal 20 in real time. It may be possible to distribute between users. In the type selection unit 306, the user can select the category of free exchange value from the categories included in the type I (including the categories obtained by subdividing the type I such as the types IA, IB, IC... ). It is good to do so.

(S3104)
Next, when the user inputs the free exchange value registration information and then selects the selection unit 307, the value registration processing unit 221 of the user terminal 20A transmits a free exchange value registration request to the server 10. The free exchange value registration request includes the above free exchange value registration information.

(S3105)
Next, when the value processing unit 121 of the server 10 receives the free exchange value registration request from the user terminal 20A, the value registration information included in the free exchange value registration request is registered in the value table stored in the storage unit 11. .. As a result, the free exchange value is used by a user who is another value user by browsing or viewing in the first network provided by the server 10, for example (
It is possible to obtain).

(3-2) Issue (3-2-1) Evaluation issue

The process of issuing an evaluation of the first value exchange medium will be described. The evaluation issue process of the first value exchange medium is performed by the server 10 for the evaluation score and the first value exchange medium recorded in the first evaluation table and the second economic activity table stored in the storage unit 11, respectively. This is a process of evaluating and issuing the first value exchange medium based on the consumption quantity and the like. The evaluation issuing process may include processes of providing and acquiring a free exchange value (first economic activity), calculating an evaluation purchasing power ratio, and issuing an evaluation, as described below.

(3-2-1-1) Provision and acquisition of free exchange value (first economic activity)
FIG. 13 is a diagram showing an example of an operation sequence of a free exchange value providing and acquiring process.
In the following, it is assumed that the user B who is a free exchange value user uses the user terminal 20B to use (acquire) the free exchange value provided by the user A who is a free exchange value provider.

(S3200)
First, for example, after the screen of the first network provided by the server 10 is displayed on the display device (input/output I/F 104) of the user terminal 20B, the user B inputs the input device (input/output I/F 104) of the user terminal 20B. It is assumed that the use of the free exchange value provided by the user A, which is registered in the value table stored in the storage unit 11 via the, is selected. Accordingly, the value utilization unit 224 of the user terminal 20B may transmit to the server 10 a free exchange value use request indicating that the use of the free exchange value is requested. The free exchange value utilization request may include the user ID of the user B.

(S3201)
Next, when the value processing unit 121 of the server 10 receives the free exchange value use request from the user terminal 20B, the free exchange value provided by the user A and registered in the value table may be transmitted to the user terminal 20B. As a result, the user B can use (acquire) the free exchange value via the user terminal 20B. That is, the first economic activity is performed between the user A and the user B.

(S3202)
Next, the value utilization unit 224 of the user terminal 20B may transmit the operation information of the user terminal 20B related to the utilization of the free exchange value belonging to the type I to the server 10. Here, the operation information is information that arbitrarily (qualitatively or quantitatively) indicates the operation of the user terminal 20B when using the free exchange value belonging to the type I by the user terminal 20B according to the first economic activity. Is. The motion information is basic data for calculating the evaluation score from the basic score determined for each category of the type I and each subject group. The operation information may be, for example, the reproduction time or the like for the free exchange value that is moving image data, and may be the display data amount (including the number of display characters) or the like for the free exchange value that is the character data of articles and the like. The free replacement value, which is image data, may be the number of display pixels or the like. That is, the operation information is information that can be a basis for calculating an evaluation score (for example, calculating the number of times the basic score is accumulated) from the basic score of the free exchange value belonging to the type I acquired by the user terminal 20. ..
(S3203)
Next, when the value processing unit 121 of the server 10 receives the operation information from the user terminal 20B, the value evaluation unit 121 may update the first evaluation table based on the operation information. More specifically, the value processing unit 121 of the server 10 stores, in the first evaluation table, the date and time, the free exchange value ID related to the acquired free exchange value, the category of the type I to which the acquired free exchange value belongs, and the free It is advisable to record the exchange value provider ID and the subject group to which the free exchange value provider belongs. Furthermore, server 1
The value processing unit 121 of 0 may record the free exchange value acquirer ID related to the free exchange value use request and the main body group to which the free exchange value acquirer belongs. Further, the value processing unit 121 of the server 10 refers to the first economic activity basic score table, and a group of subjects to which the free exchange value acquirer who operates the user terminal 20B belongs and the type I of which the free exchange value value is registered. It is advisable to specify the basic score according to the category, calculate the evaluation score by adding the basic score to the motion information, and then record the evaluation score in the evaluation table. This is the end of the process of providing and acquiring the free exchange value.

(3-2-1-2) Evaluation Purchasing Power Ratio Calculation Process FIG. 14 is a diagram showing an example of an operation flow of an evaluation purchasing power ratio calculation process.

(S3204)
First, for example, the free exchange value evaluation unit 122 of the server 10 determines whether or not a predetermined period (evaluation purchasing power ratio calculation period) for calculating the evaluation purchasing power ratio has ended. Here, the evaluation purchasing power multiplying factor calculation period may be a fixed period determined in advance by the system administrator, and the length thereof is not particularly limited, but may be prescribed by week, month or the like.

(S3205)
Next, when it is determined that the evaluation purchasing power multiplying factor calculation period has ended, the free exchange value evaluation unit 122 of the server 10 records the consumption data in the second economic activity table in (3-4-1) described later. For each subject group, the consumption amount of the first value exchange medium in the second economic activity targeting the subject group (second economic activity amount) is summed up for each subject group for each subject group. It is advisable to calculate the second quantity of economic activity targeting the subject group of. In other words, for each subject group to which the user, who obtains the free exchange value, which is the target of the second economic activity by the certain user, belongs to the user, during the evaluation purchasing power ratio calculation period, It can be said that the total of the first value exchange media consumed is calculated.
In other words, the total value of the evaluation purchasing power ratio calculation period of the first value exchange medium spent on the subject group is calculated for each subject group by the second economic activity targeting the subject group. It can be said that it is a thing.

Here, using the second economic activity table shown in FIG. 7H as an example, the second economic activity quantity of each subject group in the evaluation purchasing power multiplying factor calculation period is shown. The evaluation purchasing power ratio calculation period is set to 2019
The time is from 0:00 on January 1, 2019 to 24:00 on January 31, 2019. At this time, the second economic activity quantity for the subject group USA during the evaluation purchasing power ratio calculation period is 100 (
Row 1)+40 (row 3)+100 (row 5)+30 (row 7)=270. In addition, the second economic activity quantity targeted for the subject group JPN in the evaluation purchasing power multiplying factor calculation period is 30 (row 2)+10 (row 4)+50 (row 6)=90.

(S3206)
Next, the gratuitous exchange value evaluation unit 122 of the server 10 refers to the first evaluation table, and sums up the evaluation points for each subject group by the gratuitous exchange value acquirer belonging to the subject group in the relevant evaluation purchasing power ratio calculation period. Should be calculated. In other words, the total value of the evaluation points recorded in the first evaluation table for the predetermined period is calculated for each subject group to which the user who has acquired the free exchange value belongs. It can be said that In other words, for each main subject group, the total value of the evaluation purchasing power ratio calculation period of the evaluation points given to the free exchange value by the act of acquiring the free exchange value by the user belonging to the main subject group is calculated. It can be said that it does.

In the case of the first evaluation table shown in FIG. 7I, the total evaluation score of the subject group USA to which the user who acquired the free exchange value in the evaluation purchasing power multiplying factor calculation period is 8 (row 2)+9 (row 6).
)+10 (row 8)+9 (row 9)=36. In addition, the total evaluation score of the subject group JPN to which the user who acquired the free exchange value during the evaluation purchasing power ratio calculation period is 10 (line 1
)+2 (row 3)+10 (row 4)+6 (row 5)+10 (row 7)=38.

(S3207)
Next, the free exchange value evaluation unit 122 of the server 10 may calculate the evaluation purchasing power ratio for each subject group in the evaluation purchasing power ratio calculation period, and record the calculated evaluation purchasing power ratio in the evaluation purchasing power ratio table or the like. Here, the evaluation purchasing power multiplying factor is “the total sum of the second economic activity quantity (the consumption quantity of the first value exchange medium) related to the second economic activity performed for the users belonging to the subject group in the predetermined period/the relevant It is preferable to define it as "the sum of evaluation points related to the free exchange value acquired by the users belonging to the subject group in a predetermined period". In the first network that can include a plurality of entities with different purchasing powers, the magnitude of the economic value included in the above-mentioned “evaluation” (the “value” generated in the first network by the first economic activity by the user) It is possible that the size) will differ for each subject group. In addition, in the first economic activity basic score table, even in the same category included in category I, it is possible to provide a difference in the size of the basic score of each subject group (reflecting the characteristics and situation of the subject group). Therefore, there is a case where the degree of accumulation of the basic score for each category of type I is changed for each subject group). Therefore,
The server 10 calculates an evaluation purchasing power ratio as a side that acquires a free exchange value belonging to type I, and multiplies the evaluation score for each evaluation (acquisition of a free exchange value for which an evaluation occurs) by this. While reflecting the different purchasing power of each subject group as the party that acquires the free exchange value belonging to category I to the evaluation score, at the same time, the degree of integration of the basic score for each subject group in the same category of type I (the evaluation score Even if a difference is added to the degree of addition, the magnitude of the economic value included in the “evaluation” for the users belonging to each subject group is
It may be possible for the acquiring user to appropriately calculate.

In the case of the second economic activity table shown in FIG. 7H and the first evaluation table shown in FIG. 7I, the evaluation purchasing power ratio of the subject group USA in the evaluation purchasing power ratio calculation period is 270/36=7.
The evaluation purchasing power ratio of the main body group JPN in the evaluation purchasing power ratio calculation period is 90/38=2.3684. This is the end of the process of calculating the evaluation purchasing power multiplying factor.

(3-2-1-3) Evaluation Issuing Process FIG. 15 is a diagram showing an example of an operation sequence of the evaluation issuing process. The evaluation issuing process can be applied to, for example, the first economic activity (providing and acquiring a free exchange value) represented by any one record (row) included in the first evaluation table described in FIG. 7I.

(S3208)
First, for example, the evaluation issuing unit 123 of the server 10 determines whether or not the time (the evaluation issuing process execution time) for executing the evaluation issuing process related to the target first economic activity has arrived.
Here, the evaluation issuance processing execution time may be any time previously set by the system administrator, and the time is not particularly limited, but is 24:00 every day and 24:00 every Sunday.
It may be defined by a cycle such as 0, or 24:00 on the last day of every month. In this case, the evaluation issuance processing execution timing may be a different time for each subject group or the same time.
The evaluation issuing process execution time may be the end time of the predetermined period in the above-described evaluation purchasing power multiplying factor calculation process, and may be performed subsequent to the end of the evaluation purchasing power multiplying factor calculation process. Alternatively, the time may be the time when the target first economic activity is executed.

(S3209)
Next, the evaluation issuing unit 123 of the server 10 may calculate the evaluation value related to the target first economic activity, and record the calculated evaluation value in the first evaluation table. Here, the evaluation value is, for example,
It may be calculated as “evaluation score×evaluation purchasing power multiplying factor in the evaluation purchasing power multiplying factor calculation period including the time point when the target first economic activity is executed”. Alternatively, the evaluation value is calculated, for example, as “evaluation score×evaluation purchasing power ratio in the evaluation purchasing power ratio calculation period before the evaluation purchasing power ratio calculation period including the time when the first economic activity in question is included”. Good. At this time, the evaluation issuing unit 123 of the server 10 may record the desired evaluation purchasing power ratio in the first evaluation table by referring to the evaluation purchasing power ratio table in advance or at the time of S3209, for example.

Here, when the evaluation value is calculated as “evaluation score×evaluation purchasing power ratio in the evaluation purchasing power ratio calculation period including the time when the target first economic activity is executed” as described above, in the evaluation purchasing power ratio calculation period, It is possible to calculate the evaluation value at the same time for all included first economic activities. Therefore, in this case, the evaluation issuance quantity included in the evaluation purchasing power ratio calculation period and the second economic activity quantity (the consumption quantity of the first value exchange medium by the second economic activity) are matched (complete match and substantial match). Etc.). In other words, the magnitude of the economic value expressed as the number of the first value exchange medium consumed in the second economic activity during the predetermined period in relation to the act of acquiring the paid consumption value and the free exchange in the first economic activity during the predetermined period. It can be said that this is a measure to balance the magnitude of the economic value, which is represented as the evaluation value given to the act of providing value.

As described above, the evaluation value is “evaluation score×evaluation purchasing power ratio in the evaluation purchasing power ratio calculation period before the evaluation purchasing power ratio calculation period that includes the time when the target first economic activity is executed”.
When calculated as, there may be a difference between the evaluation issuance quantity and the second economic activity quantity (the consumption quantity of the first value exchange medium by the second economic activity) included in the arbitrary evaluation purchasing power ratio calculation period. The evaluation issuing unit 123 of the server 10 may perform a correction process of reducing the difference in the evaluation value calculation process, for example. The correction process may be, for example, a process of multiplying the evaluation value before correction by a coefficient calculated (the calculation method is not particularly limited) based on the difference between the evaluation issue quantity and the second economic activity quantity. Good. The coefficient may be updated at a predetermined time (for example, may be periodic) based on the difference between the evaluation issuance quantity and the second economic activity quantity. In the present embodiment, there is an index value as a debt issuance balance ratio recorded in the debt issuance table stored in the storage unit 11 of the server 10. The evaluation issuing unit 123 of the server 10 may use the index value when performing the correction process for reducing the difference described above. The evaluation issuance unit 123 of the server 10, for example, when the index value is “1.0” (as a ratio of the debt issuance balance to the total circulation amount of the first value exchange medium), the evaluation issuance quantity (first predetermined quantity). ) And the consumption cancellation quantity (second predetermined quantity) are changing in a relationship of “1:1”. Here, the index value is, for example, “1.1” (indicating “first predetermined quantity<second predetermined quantity”) or “0.9” (“first predetermined quantity>second predetermined quantity”). (Shown), etc., the evaluation issuing unit 123 of the server 10 can bring the index value close to “1.0” by performing the correction process for reducing the difference described above. is there. The system administrator may use an arbitrary method to cause the evaluation issuing unit 123 of the server 10 to execute the correction process for reducing the difference.

(S3210)
Next, the evaluation issuing unit 123 of the server 10 refers to the first evaluation table stored in the storage unit 11 and associates the target first economic activity with the user ID (free exchange value provider ID). It is advisable to evaluate and issue the first value exchange medium. Specifically, for example, the evaluation issuing unit 123 of the server 10 associates the first ledger stored in the storage unit 11 with the user ID, and indicates the quantity indicated by the evaluation value related to the target first economic activity. The first value exchange medium of is added. here,
The evaluation issuing unit 123 of the server 10 may record in the first evaluation table that the evaluation issuing process has been completed for the first economic activity for which the evaluation issuing process has been completed.

(S3211)
Next, the evaluation issuing unit 123 of the server 10 may send an issuance notification indicating that the first value exchange medium has been evaluated and issued to the user terminal 20A. The issuance notification may include information for specifying the free exchange value subject to the issuance of the evaluation, and information about the issuance of the number of the first value exchange medium that has been evaluated and issued (issuing information). It should be noted that the evaluation issuing unit 123 of the server 10 does not execute the process of issuing the notification for each evaluation issuance as in S3211, but the first value exchange relating to all the evaluation issuing processes executed for the user in a predetermined period. The total number of evaluation issuance quantities of the medium may be notified at any time after the predetermined period ends.

(S3212)
Next, when the display processing unit 26 of the user terminal 20A receives the issuance notification from the server 10,
The issue information may be displayed on the display device.

FIG. 16 is a diagram showing an example of an issuance information display screen 300B for displaying issuance information. As shown in FIG. 16, the issuance information display screen 300B includes, for example, a display unit 308 that displays the number of evaluation-issued first value exchange media. This completes the evaluation issuing process of the first value exchange medium.

(3-2-2) The debt issuing server 10 functions as an exchange that manages the exchange between the first value exchange medium and the second value exchange medium by the exchange exchange management unit 15. In the exchange function, the server 10 may be able to newly issue the first value exchange medium in response to the second exchange request received from the user terminal 20. The issuance is referred to as a debt issuance, with respect to the issuance of the first value exchange medium (evaluation issuance) based on the value provided free of charge or the evaluation of the free exchange value provider. Details of debt issuance will be described later.

(3-3) Transfer The first value exchange medium transfers between users by, for example, remittance between users or settlement (third economic activity or fourth economic activity) accompanying use of paid exchange value. The remittance related to the fourth economic activity and the settlement related to the third economic activity will be described below.
(3-3-1) Remittance Remittance FIG. 17 is a diagram showing an example of an operation sequence of remittance processing of the first value exchange medium. In the following, it is assumed that the user A, which is the remittance source, uses the user terminal 20A, and the user B, which is the remittance destination, uses the user terminal 20B.

(S3300)
First, the remittance unit 222 of the user terminal 20A, in response to the operation of the input device by the user A,
Input of a remittance instruction for the first value exchange medium is accepted. The content of the remittance instruction includes, for example, the number of first value exchange media to be remitted and the remittance destination.

FIG. 18 is a diagram showing an example of a remittance instruction input screen 300C for inputting a remittance instruction of the first value exchange medium displayed on the user terminal 20. As shown in FIG. 18, the remittance instruction input screen 300C is, for example, for inputting the display unit 309 that displays the current amount of the first value exchange medium held, the number of the first value exchange medium to be remitted, and the remittance destination. It includes an input unit 310 and a selection unit 311 for transmitting a remittance instruction. In this example, “1000 ACT” is displayed as the current holding amount of the first value exchange medium on the display unit 309. Also, the user A uses the input unit 310.
In, the number of the first value exchange medium to be remitted and the remittance destination can be entered. In this example, “500” ACT is input as the quantity of the first value exchange medium to be remitted, and “User B” is input as the remittance destination.

(S3301)
Next, the remittance unit 222 of the user terminal 20A sends the remittance instruction to the server 10 when the user A inputs the content of the remittance instruction on the remittance instruction input screen 300C and then selects the remittance instruction in the selection unit 311.

(S3302)
When the remittance processing unit 124 of the server 10 receives the remittance instruction from the user terminal 20A, the first remittance processing unit 124
In the ledger, it is advisable to execute a process of updating the user ID of the remittance amount from the user of the remittance source to the user of the remittance destination among the first value exchange media associated with the user ID of the user of the remittance source. At this time, the remittance processing unit 124 of the server 10 sets the first remittance according to the user of the remittance destination.
It is advisable to also execute the process of rewriting the planned cancellation date of the value exchange medium. At this time, the remittance processing unit 124 of the server 10 preferentially updates the user ID to the user B from the first value exchange medium held by the user A, which is the remittance source, which has the closest planned cancellation date. You may. In this example, the remittance processing unit 124 of the server 10 uses the first ledger stored in the storage unit 11 as the first value exchange medium 1000AC that is associated with the user ID of the remittance source user A.
A process of updating the user ID related to 500 ACT of T from user A to user B is executed.

(S3303)
Next, the remittance processing unit 124 of the server 10 may collect a predetermined amount of the second value exchange medium from the remittance source user A as the remittance fee. For example, the remittance processing unit 124 of the server 10 transmits a predetermined transaction generation instruction to the user terminal 20A. In response to the transaction generation instruction, the second value exchange medium processing unit 23 of the user terminal 20A sends a predetermined amount of the second value exchange medium associated with the user ID of the user A to the server 10 (administrator ID related to the system administrator). A transaction having contents to be transferred to the blockchain network may be generated and transmitted (broadcast) to the blockchain network. Alternatively, the second value exchange medium processing unit 23 of the user terminal 20A may also perform the transaction generation/transmission processing at the time of transmitting the remittance instruction (S3301). The amount of the fee may be defined by, for example, setting information set in advance by the system administrator, or the type of the user's account (for example, "
"Business operator", "individual", etc.), the user's first value exchange medium and/or the second value exchange medium, and the distribution contribution rate such as the status of remittance or the movement evaluation value. As described above, by providing the collection process of the second value exchange medium for the remittance process of the first value exchange medium between the users, the second value exchange medium supplied to the value exchange medium distribution network is appropriately collected. It becomes possible for the administrator of the server 10 to obtain the remittance fee.

(S3304)
Next, the remittance processing unit 124 of the server 10 may send a remittance notification indicating that remittance has been executed to the user terminal 20B used by the remittance destination user.

(S3305)
Next, when the display processing unit 26 of the user terminal 20B used by the remittance destination user receives the remittance notification from the server 10, when the remittance notification screen indicating the details of the remittance is displayed on the display device based on the remittance notification. Good.

FIG. 19 is a diagram showing an example of the remittance notification screen 300D. As shown in FIG. 19, the remittance notification screen 300D includes, for example, a display unit 312 that displays the remittance source and the number of remitted first value exchange media. In this example, “user A” is displayed as the remittance source and “500” ACT is displayed as the quantity of the first value exchange medium that has been remitted on the display unit 312.

(3-3-2) Settlement (3rd economic activity)
FIG. 20 is a diagram showing an example of an operation sequence of processing of settlement (third economic activity) associated with the use of the paid exchange value registered in the value table stored in the storage unit 11 of the server 10. In the process, for example, when the paid exchange value is used by the user B who is the paid exchange value user,
The amount of the first value exchange medium corresponding to the price of the paid exchange value is transferred from the user B who is the paid exchange value user to the user A who is the paid exchange value provider. In the following, the user B who is a paid exchange value user uses the user terminal 20B and the user A who is a paid exchange value provider
The paid exchange value provided by the company shall be used (acquired).

(S3306)
First, for example, the screen of the first network provided by the server 10 is displayed on the display device of the user terminal 20B, and then the user B is registered in the value table stored in the storage unit 11 via the input device of the user terminal 20B. It is assumed that the use of the paid exchange value provided by the user A has been selected. Thereby, the value utilization unit 224 of the user terminal 20B transmits to the server 10 a paid exchange value utilization request indicating that the utilization of the paid exchange value is requested.

(S3307)
Next, when the value processing unit 121 of the server 10 receives the paid exchange value use request from the user terminal 20B, the user B refers to the first ledger and selects the first value exchange medium having a value equal to or higher than the consideration of the paid exchange value. Determine whether you have it.

(S3308)
Next, when the value processing unit 121 of the server 10 determines that the user B holds the first value exchange medium having a value equal to or higher than the consideration of the paid exchange value, the value exchange unit 121 provides the paid exchange value provided by the user A to the user terminal. 20B. As a result, the user B can use the paid exchange value via the user terminal 20B.

(S3309)
In addition, in addition, the value processing unit 121 of the server 10 stores the transaction history (provider main group, provider user ID, acquirer main group, acquirer user ID) in the third economic activity table stored in the storage unit 11. Record the type III category to which the paid exchange value belongs, and the quantity of the first value exchange medium that became the consideration). In addition, when the value processing unit 121 of the server 10 determines that the user B does not have the first value exchange medium equal to or more than the value of the paid exchange value, for example, the paid exchange value cannot be used. And the like are transmitted to the user terminal 20B, and the process ends.

(S3310)
Next, the payment processing unit 125 of the server 10 sets the first quantity of the first quantity according to the price related to the paid exchange value.
The process of transferring the value exchange medium from the user B who is a paid exchange value user (acquirer) to the user A who is a paid exchange value provider is executed. Specifically, in the first ledger, the payment processing unit 125 of the server 10 determines the quantity corresponding to the price among the first value exchange media associated with the user ID of the user B who is the paid exchange value user. A process of updating the minute user ID from the user B who is a paid exchange value user to the user A who is a paid exchange value provider is executed. In addition,
At this time, the settlement processing unit 125 of the server 10 may preferentially execute the linking from the user B to the user A in the order of the date when the expiration date is near.

(S3311)
Next, the payment processing unit 125 of the server 10 transmits a usage notification for notifying that the paid exchange value has been used by another user to the user terminal 20A. The usage notification may include information (usage information) about the quantity of the first value exchange medium according to the price of the usage.

(S3312)
Next, when the display processing unit 26 of the user terminal 20A receives the usage notification from the server 10,
Display the usage information on the display device.

FIG. 21 is a diagram showing an example of a usage information display screen 300E for displaying usage information. As shown in FIG. 21, the usage information display screen 300E includes, for example, a paid exchange value user and a display unit 313 indicating a paid exchange value (who used what). In addition, the usage information display screen 300E may include a display unit 314 indicating the number of the first value exchange media acquired by the paid exchange value provider by using the paid exchange value. With the above, the processing of the settlement (the third economic activity) accompanying the use of the paid exchange value is completed.

(3-4) Cancellation (3-4-1) Second economic activity (3-4-1-1) Pull type, push type, etc. In the following, in the case where the second economic activity is performed in the value exchange medium distribution system 1. The operation process of each information processing apparatus will be described. First, the outline of the second economic activity will be described.
When the second economic activity processing unit 128 of the server 10 receives a request (execution request) to execute the second economic activity from the second economic activity processing unit 223 of the user terminal 20, for example, the second economic activity basic price table. Based on, the amount of consumption of the first value exchange medium required to execute the specific second economic activity related to the request received from the user terminal 20 is specified, and information indicating the amount of consumption is transmitted to the user terminal 20. .. The second economic activity processing unit 128 of the server 10 uses the user terminal 2
When the approval to execute the second economic activity (execution approval) is received from 0, the consumption quantity related to the execution request for which the execution approval has been associated with the user ID related to the user terminal 20 that has transmitted the execution approval. Cancel the first value exchange medium (This is similar to the cancellation process due to the arrival of the scheduled cancellation date, but it is better not to take measures to reduce the debt issuance balance. The medium ID may be canceled (consumed and canceled) from the ledger, or the medium ID may be temporarily isolated and stored in order to be appropriated for later evaluation issuance). Carry out the second economic activity based on. In addition, the execution history (second
It is good to record the contents of economic activities.

Next, the details of the second economic activity will be described with reference to FIG. 22 is an example of the operation process of the value exchange medium distribution system 1, and the value exchange medium distribution system 1 does not always execute the process in the order and contents shown in FIG.

In the following, the user terminal 20A is the user terminal 20 used by the user A who is the free exchange value provider in the first economic activity, and the user terminal 20B is the user B who is the free exchange value acquirer in the first economic activity. Is a user terminal 20 used by
It is assumed that the user terminal 20 is used by a user C (user C who intends to carry out an advertising/promotion activity) who is a paid consumer value acquirer in the second economic activity (for example, advertising/promotion activity).

In the following, the user terminal 20B uses the free exchange value registered in advance by the user terminal 20A in the value table stored in the storage unit 11 of the server 10 via the server 10 as in S3103 to S3105 described above. (View/acquire, etc.) Then, when the user terminal 20B acquires the free exchange value via the server 10 as the first economic activity and displays it on the display device, the user terminal 20C performs an advertisement related to one paid consumption value belonging to type II. It is supposed to be displayed on the display device together with the free exchange value.

(S3400)
The second economic activity processing unit 223 of the user terminal 20C, for example, according to the operation of the user C,
A request to refer to the basic price for each category of the first value exchange medium consumed for performing the push-type second economic activity and for each subject group (in other words, in order to confirm the cost related to the second economic activity) Request) is transmitted to the server 10.

(S3401)
When the second economic activity processing unit 128 of the server 10 receives the above-mentioned request from the user terminal 20C, for example, the first economic activity processing section 128 consumes the second economic activity of the push type based on the second economic activity basic price table. Information indicating the basic price for each value exchange medium category and for each subject group is transmitted to the user terminal 20C.

(S3402)
The display processing unit 26 of the user terminal 20C, for example, the first value exchange consumed for each category related to the advertisement as an act of acquiring the paid consumption value belonging to the category of the requested type II, and for each target subject group. When the information indicating the number of media is received from the server 10, the information is displayed on the display device of the user terminal 20C. Then, the second economic activity processing unit 223 of the user terminal 20C transmits a second economic activity execution request (second economic activity execution request) to the server 10 in accordance with the operation of the user C, for example. Here, the second economic activity execution request includes the advertising content data, the target subject group, the target user attribute, etc. relating to the act of acquiring the paid consumption value belonging to the type II selected from the information displayed on the display device. May be included. Further, the second economic activity execution request may include a request for execution request registration (uploading of advertisement content data) in the second economic activity execution request table stored in the storage unit 11 of the server 10.

(S3403)
For example, when the second economic activity processing unit 128 of the server 10 receives the second economic activity execution request including the execution request registration request from the user terminal 20C, the second economic activity execution request is based on the second economic activity execution request. Update the execution request table. Specifically, the second economic activity processing unit 128 of the server 10 sets, for example, the advertisement content data, the target subject group, the target user attributes, etc. included in the second economic activity execution request to the second economic activity execution request table. The second economic activity execution request table is updated by registering the second economic activity execution request table. In addition, the second economic activity processing unit 128 of the server 10
Generates, for example, first update information for updating one ledger (erasing the first value exchange medium) based on the second economic activity execution request. The first update information may be, for example, the content of erasing the record itself of the first value exchange medium of the quantity associated with the user ID in the first ledger. Alternatively, the first update information may have a content in which the holder information (the user ID information to be linked) of the first value exchange medium of the number linked to the user ID in the first ledger is blank. .. Then, the second economic activity processing unit 128 of the server 10 uses the first economic activity processing unit 128.
The first ledger is updated with the update information. At this time, the first value exchange medium held by the user may be preferentially canceled from the first value exchange medium having the closest scheduled date of cancellation. Also, the server 10
May send, for example, a notification that the first ledger has been updated to the user terminal 20C. The user terminal 20C may display the notification received from the server 10, for example. It should be noted that, as an example, the charging is performed at the execution request registration timing, but the server 1 based on the execution request registration content
The charging process (first ledger update process) may be performed for each execution process of the execution request of 0.

(S3404)
The second economic activity processing unit 128 of the server 10 is, for example, the second registered by the user terminal 20C.
Based on the execution processing of the execution request content related to the acquisition of the paid consumption value belonging to type II in the economic activity execution request table, the execution processing content (the number of the first value exchange media consumed, etc.) is recorded in the second economic activity table By doing so, the second economic activity table is updated.

(S3405)
The value utilization unit 224 of the user terminal 20B transmits, for example, a search request for utilizing (browsing, etc.) the free exchange value belonging to the type I to the server 10.

(S3406)
The second economic activity processing unit 128 of the server 10, for example, in response to the search request received from the user terminal 20B, paid consumption belonging to the type II associated with the user terminal 20B related to the search action of the user terminal 20B. The advertisement data as the value acquisition act (contents of the execution request relating to the paid consumption value acquisition act belonging to the type II registered by the user terminal 20C) is transmitted. At this time, when the search request is an execution processing target of the execution request content, the second economic activity processing unit 128 of the server 10 displays the execution request content (advertisement) on the free exchange value list display belonging to the type I. May be inserted.

(S3407)
When the display processing unit 26 of the user terminal 20B receives, for example, the advertisement and the list information of the free exchange value belonging to the type I from the server 10 (display of the free exchange value list), the display processing unit 26 inserts the advertisement into the list information. And display it on the display device. Further, the display processing unit 26 of the user terminal 20B may display the advertisement on the display device in a partial region of the display device (for example, a partial display region of the display) in which the list information is displayed. .. Further, the display processing unit 26 of the user terminal 20B may perform the process of displaying the advertisement on the display device, prior to the process of displaying the list information on the display device. At this time, the second economic activity processing unit 1 of the server 10
28 may execute the above-described processing of (S3404) subsequent to the execution processing of the second economic activity execution request.

(S3408)
For example, when the value utilization unit 224 of the user terminal 20B receives a request for using (browsing, etc.) the free exchange value including the selection operation of the free exchange value belonging to the type I by the user B, the value utilization unit 224 selects the type I as the selected type. A request for using (browsing, etc.) the belonging free exchange value (request for free exchange value use) is transmitted to the server 10. Note that S3408 corresponds to S3200 described above.

(S3409)
The value processing unit 121 and/or the second economic activity processing unit 128 of the server 10, for example, according to the free exchange value use request received from the user terminal 20B, the free exchange value belonging to the type I and the free exchange value use. The advertisement as the act of acquiring the paid consumption value belonging to the type II associated with the request is transmitted to the user terminal 20B. At this time, the value processing unit 121 and/or the second economic activity processing unit 128 of the server 10 may, for example, insert the advertisement in the free exchange value and transmit the advertisement or the free exchange value and the advertisement. You may send the advertisement and the advertisement respectively. Note that S3409 corresponds to S3201 described above.

(S3410)
The free redemption value evaluation unit 122 of the server 10 acquires the free redemption value belonging to the type I of the user terminal 20B (uses the free redemption value such as browsing) and the first economic activity basic score table based on the first The first evaluation table is updated by recording the evaluation score in the evaluation table. The server 10 may also send, for example, a notification that the advertisement has been transmitted to the user terminal 20B to the user terminal 20C that is the registration source of the advertisement (second economic activity execution request). Note that S3410 corresponds to S3202 and S3203 described above.

(S3411)
When the display processing unit 26 of the user terminal 20B receives, for example, the above-mentioned free exchange value and advertisement from the server 10, the display unit (input/output I/F1) displays the free exchange value and advertisement.
04) is displayed. In addition, the display processing unit 26 of the user terminal 20B may display the advertisement in a partial area (for example, a partial display area of the display) of the display device that displays the free exchange value. Further, the display processing unit 26 of the user terminal 20B may perform the process of displaying the advertisement on the display device before the process of displaying the free exchange value on the display device.

Note that the settlement (update process of the first ledger) is a lump-sum advance payment at the time when the server 10 approves the execution request related to the second economic activity (as an act of acquiring the paid consumption value belonging to type II) by the user terminal 20C. May be Alternatively, the settlement (updating process of the first ledger) is performed by the user terminal 2
Type II registered in the second economic activity execution request table after the server 10 approves the execution request related to the second economic activity (as an act of acquiring the paid consumption value belonging to type II) by 0C.
May be executed for each execution process of the second economic activity by the server 10 based on the content of the execution request relating to the paid consumption value acquisition act belonging to the. In this case, the server 10 causes the server 10 to exchange the first value of the user C. When the holding balance of the medium is exhausted, the execution process by the server 10 may be stopped. Alternatively, the server 10 may perform a margin transaction such as a monthly closing for the user C.

Also, regarding the recording of the activity contents (execution processing of the execution request) in the second economic activity table,
The execution history may be recorded each time the update processing of the first ledger relating to the second economic activity is performed. Further, the second economic activity table may be configured such that the user C can refer to the execution history of himself/herself by using the user terminal 20C. User C optionally has already been approved by the server 10,
The execution request registered in the second economic activity execution request table may be modified or deleted (including stop).

(3-4-2) Timed cancellation The first value exchange medium may be canceled, for example, when the cancellation deadline is reached. More specifically, the cancellation processing unit 126 of the server 10 may satisfy a predetermined condition (when a predetermined period has elapsed since the previous cancellation processing, or when a request for execution of cancellation processing by a system administrator or the like is received). Etc. may be any other case), if the cancellation deadline is specified for each first value exchange medium included in the first ledger, and the cancellation deadline is a time earlier than the time of this cancellation processing, , The record of the first value exchange medium may be deleted from the first ledger. From this,
It can be said that the first value exchange medium can control the value storage function among the basic functions of currency.
The cancellation deadline can be arbitrarily set by the system administrator, and the server 10 stores the cancellation deadline setting information in the storage unit 11. The expiration date of the first value exchange medium may be set to different values depending on the user ID, the type of user account, the acquisition history of the user, and the like. It should be noted that the cancellation processing unit 126 of the server 10 subsequently executes the cancellation processing due to the expiration of the cancellation deadline.
It is advisable to record the amount of cancellation of value exchange media in the debt issuance table (increase the timed cancellation amount).
Since the first value exchange medium can have a cancellation deadline, it is possible to improve the distribution speed.

(3-4-3) Tariff Price Adjustment in Third Economic Activity Here, an example of the tariff price adjustment in the third economic activity will be described with reference to FIG. In the table shown in FIG. 23, for a predetermined period up to the present, for each category of type III and for each subject group, trading has been performed among a plurality of user terminals 20 belonging to the same subject group via the server 10. The average value of the trading price of the paid exchange value (average trading price) is shown. The table shown in FIG. 23 may be referred to as a “third economic activity purchasing power reference table”. The third economic activity purchasing power reference table shown in FIG. 23 is based on the third economic activity table shown in FIG. 7M. The average trading price included in the third economic activity purchasing power reference table shown in FIG. 23 is excluded between trading among a plurality of user terminals 20 belonging to different subject groups, and between the plurality of user terminals 20 belonging to the same subject group. It can be said that the average selling price represents the purchasing power of each subject group for each category of type III because it is calculated based on only the buying and selling of

Here, for example, in FIG. 23, the average trade price of the type IIIC (rock/classified voice) (one of the categories of the type III) of the subject group F is 18.00 ACT, and the type III of the subject group E.
Since the average trading price of C is 1.80 ACT, it is typified between subject group F and subject group E.
It can be said that there is a 10-fold difference in the average trading price of IIIC. Here, it is desirable for the user to be able to perform the first, second, and third economic activities between different groups of entities within the first network without paying (and feeling stressed) a significant cost. However, if there is a large difference in the average selling price between different subject groups, a type IIIC in which users belonging to a subject group with a large average selling price sell to users belonging to a subject group with a small average selling price
There is a fear that the selling price of the paid exchange value belonging to the item will be pushed down (and the user's willingness to sell the paid exchange value will decrease). As a measure to alleviate this, server 1
For example, 0 may perform the tariff price adjustment process described below.

Based on the third economic activity purchasing power reference table, the server 10 provides a paid exchange, for example, in which a user belonging to a certain subject group F provides a user belonging to a different subject group E from the subject group F to which the user belongs in the third economic activity. When trying to refer to the price of value (for example, the set price is 2ACT), the average value (1.80) in the principal group E associated with the category of type III (for example, type IIIC) to which the paid exchange value belongs, and From the average value of the same type IIIC in the subject group F to which the subject belongs (18.00), the average value (1.80) of the subject group E related to the category IIIC associated with the paid exchange value is the subject group to which the subject belongs. If it is lower than the average value of F (18.00), the ratio of the average value to the price (for example, 2ACT) set for the paid exchange value (
"10.00 = 18.00/1.80") multiplied by the price (for example, "20ACT=
2ACT×10.00) may be displayed. The ratio of the average value by which the price set for the paid exchange value registered in the value table is multiplied from the original ratio (10.00, that is, 20 ACT as an example) to “1.00” (that is, 2 ACT as an example). ) May be limited to the range of the above and may be changed. In this case, the ratio variation method may be, for example, arbitrary setting information by the system administrator, or arbitrary setting information by each user, or a combination of the system administrator and the user. It may be arbitrary setting information. At this time, it is the corrected quantity displayed due to the establishment of the sale of the paid exchange value.
0ACT may be settled as an exchange consideration.

(4) Second Value Exchange Medium The value exchange medium distribution network in the present embodiment includes the server 10 and the user terminal 20.
May also have the side of a blockchain network configured as a node. Each node may share (store) the second ledger for recording or managing the issuance, transfer, cancellation, etc. of the second value exchange medium in a distributed manner. Specifically, for example, the server 10 may store the block chain as the second ledger shown in FIGS. 7P and 7Q in the storage unit 11 and the user terminal 20 in the storage unit 21, respectively.

The server 10 and the user terminal 20 may each generate a transaction under a predetermined condition and transmit the transaction to another node. When the server 10 and the user terminal 20 each receive a transaction from another node, the server 10 and the user terminal 20 may perform predetermined verification and then transmit the transaction to another node. In this way, a transaction generated at any node on the value exchange medium distribution network may be sent (broadcast) to any other node on the value exchange medium distribution network.

Transactions broadcast on the blockchain network may be captured in blocks generated by the mining process by the nodes responsible for the miner functions. The block generated by the miner is broadcast on the blockchain network, and each node may add the received block to the blockchain stored by itself after performing predetermined verification. The blockchain network in which the second value exchange medium is distributed may not be a pure decentralized network, but may be a network in which an administrator node such as the server 10 exists. For example, the network may be configured in any mode such as a bit coin type, a ripple type, an Ethereum type, or a mode disclosed in Patent Document 1 as a prior art document.

(4-1) Credit issuance <Overview>
Below, credit issuance of the second value exchange medium will be described. In the present embodiment, as described above, the second value exchange medium can also be issued by credit issuance. Here, the credit issuance of the second value exchange medium means, for example, newly issuing a second value exchange medium in a quantity based on the credit of the user who is the subject of credit issuance in association with the user ID of the user. It can be said to be done. The credit of the user may be calculated, for example, based on the next transaction between the server 10 or the user terminal 20 as the credit issuing source and the user terminal 20 as the credit issuing destination.
・Investment (for example, underwriting of shares, purchase of shares, underwriting of bonds such as corporate bonds and government bonds, and purchase of bonds)
・Loans (for example, certificate lending, bill lending, secured loan, and unsecured loan)
・Payment, tax collection (billing by the system), second exchange, remittance, etc.

<Credit issuer>
The subject (credit issuer) that executes the credit issue may be the server 10 used by the system administrator or the arbitrary user terminal 20 used by the arbitrary user. In particular, when the credit issuer is the user terminal 20, the authority to execute the credit issue in advance (
A credit issuing right) may be given to a user ID that uses the user terminal 20 that is the credit issuing source by a system administrator or the like. The information regarding the granting of the credit issuing right to the user ID may be appropriately recorded in the storage unit 11 of the server 10 or the like. The credit issuer may be limited to one user terminal 20 for one subject group. Here, the user terminal 20 that is a single credit issuer in one subject group may be referred to as a "central bank user terminal 20". A user who uses the "central bank-like user terminal 20" may be referred to as a "central bank-like user".

<Credit Issuer>
The object of credit issuance (credit issue destination) may be any user terminal 20 used by any user. Note that, for example, the account of the credit issuer (system administrator ID or user ID
) Or the like, the user terminal 20 of the credit issue destination, which is the target of the credit issue executed by the credit issuer, may be arbitrarily set. For example, the user terminal 2 as one credit issuer
The credit issuing destination of 0 may be limited to only the user terminal 20 belonging to the main body group to which the user terminal 20 as the credit issuing source belongs. The correspondence relationship between the credit issuer and the credit issuer is, for example,
It may be recorded in the storage unit 11 or the like of the server 10. Here, the user terminal 2 that is the credit issuing destination
0 may be referred to as "commercial bank-like user terminal 20". Further, a user who uses the “commercial bank-like user terminal 20” may be referred to as a “commercial bank-like user”.

<Example of service configuration>
In addition, when the above-mentioned “central bank user” and “commercial bank user” are included in the configuration,
Each correspondence relationship according to one embodiment is, for example, and not a limitation, and, for example, a credit issuer may have a “central bank user” as a single user in each subject group. Further, as a credit issuing destination, there may be “commercial bank user” as a plurality of users associated with each central bank user. There may be a large number of “general users” who operate the user terminals 20, such as individuals, corporations, groups, and administrations, associated with each subject group (nation). Here, for example, it is assumed that the credit issuance is performed only from the central bank user who is the credit issuer to the commercial bank user who is the credit issue destination, and the credit issuance to the general user is not performed. Good. In this case, since there is no business relationship regarding credit issuance between the central bank user and the general user, the credit issuance for the purpose of supplying the second value exchange medium to the general user is performed by the commercial bank user. Done through. In other words, the credit issuance in this case is performed by the central bank user to supply the second value exchange medium to the general user, and is used as a supply source for the central bank user to the commercial bank user. It can be said that this is a new issue of the second value exchange medium. And
The second value exchange medium supplied to the second network by credit issuance is canceled by the repayment from the commercial bank user to the central bank user. Note that, in the case of the above-described configuration, the “credit” (credit issuing second credit) that is provided by the central bank user who is the credit issue destination in order for the central bank user to issue credit to the commercial bank user. The size of the value of the asset as the basis for collecting the value exchange medium) is the soundness of the asset of the commercial bank user. That is, credit is issued to the commercial bank user based on the economic value represented by the quantity of the second value exchange medium of the debt held by the commercial bank user (the debt that occurs on the other hand to the general user). It is advisable to set an upper limit that can be met. Here, it can be said that the upper limit value is a credit issuance limit quantity. Based on the financial soundness of their own, the commercial bank users receive the credit issuance from the central bank users, and use the second value exchange medium that they own to make loans and investments to general users (
It is good to do business such as buying and selling debts).

<Specific processing of credit issuance>
FIG. 24 is a schematic diagram showing an example of an operation sequence related to credit issuance processing. In the following, a case where the credit issuer is the user terminal 20 and the credit issuer is the server 10 will be described as an example. First, the user terminal 20 as a credit issuing destination may send a credit issuing request to the server 10 in response to a user operation, for example (S4100). The credit issuance request may include, for example, information indicating the number of second value exchange media that the user desires to issue credit. In addition, the credit issuance request may include, for example, information (user ID) that specifies a credit issue destination, information (system administrator ID, user ID, and the like) that specifies a credit issuer.

The accepting unit 132a of the credit issuing unit 132 of the server 10 accepts the credit issuing request transmitted from the user terminal 20, and stores the information included in the accepted credit issuing request in the credit issuing table stored in the storage unit 11 of the server 10. It may be recorded in. Then, the update information generating unit 132b of the credit issuing unit 132 of the server 10 may update the second ledger based on the credit issuing request accepted by the accepting unit 132a (S4101). Specifically, the credit issuing unit 1 of the server 10
The update information generation unit 132b of 32 may add the second value exchange medium of the quantity related to the credit issuance request to the second ledger by associating it with the user ID of the user terminal 20 as the credit issue destination. Then, the credit issuing unit 132 of the server 10 uses the credit issuing destination (in the credit issuing table).
The credit issuance balance included in the credit issuance request, which can be specified by referring to the information for identifying the credit issuance destination, or the information stored in advance in the storage unit 11 etc. You may perform the process which makes it increase.

For example, the credit issuance limit user may set the credit issuance limit quantity for each of the credit issuance destination users. The credit issuance limit quantity may be set based on the credit of the user to whom the credit is issued. The credit issuance limit quantity for each credit issuer is, for example, the server 1 which is the credit issuer.
0, or in response to a request from the user terminal 20, the credit issuing unit 132 of the server 10 may record in the credit issuing table. The server 10 refers to the credit issuance table in response to a reference request from the user terminal 20 as a credit issuer and the user terminal 20 as a credit issue destination, and transmits information such as the credit issue limit quantity. May be. When the determination unit 132c of the credit issuing unit 132 of the server 10 receives the credit issuing request from the user terminal 20 as the credit issuing destination, it refers to the credit issuing table and refers to the desired credit issuing amount included in the credit issuing request. May determine whether the credit limit is exceeded. The update information generating unit 132b of the credit issuing unit of the server 10 does not execute the credit issuing process when it is determined that the desired credit issuing amount included in the credit issuing request exceeds the credit issuing limit amount. The user terminal 20 that has transmitted the credit issuance request may be notified that the credit issuance is not executed.

<Credit recovery by repayment>
The user terminal 20 as the credit issuing destination can repay the credit-issued second value exchange medium to the server 10 as the credit issuing source or the user terminal 20. Specifically, the user terminal 20 as the credit issuing destination may send a repayment request to the server 10 in response to a user operation, for example. The repayment request may include, for example, information indicating the quantity of the second value exchange medium that the user desires to repay. Further, the repayment request may include, for example, information (system administrator ID, user ID, etc.) that identifies the credit issuer to be repayed.

When the update information generating unit 132b of the credit issuing unit 132 of the server 10 receives the repayment request from the user terminal 20 as the credit issue destination, the update information generating unit 132b may update the second ledger based on the repayment request. Specifically, the update information generation unit 132b of the credit issuing unit 132 of the server 10 may cancel the second value exchange medium in the quantity related to the repayment request from the second ledger. And the server 10
The update information generating unit 132b of the credit issuing unit 132 refers to the credit issuing source (information for specifying the credit issuing source included in the repayment request, or information stored in advance in the storage unit 11 or the like in the credit issuing table. The credit issue balance relating to the credit issue request) may be reduced by an amount corresponding to the credit issue request.

(5) Exchange In the present embodiment, the server 10 has an exchange function for exchanging the first value exchange medium and the second value exchange medium with the user terminal 20.

(5-1) Exchange Request by User Terminal 20 FIG. 25 is a diagram showing an example of an operation sequence relating to the process of transmitting and registering the exchange request. Below, the exchange request by the user terminal 20 will be described.

(S5100)
First, the first exchange request processing unit 251 or the second exchange request processing unit 252 of the user terminal 20
For example, an input of a replacement request (first replacement request or second replacement request) is accepted in response to a user's operation of the input device.

FIG. 26 shows the first displayed on the wallet management application X1 of the user terminal 20.
It is a figure which shows an example of input screen 500A of an exchange request. The input screen 500A for the first exchange request includes, for example, an area 501 for displaying the current amount of the first value exchange medium, and an area 502 for inputting the quantity of the first value exchange medium desired to be exchanged. , An area 503 for selecting a market first exchange request that does not specify a desired exchange rate or a limit exchange first exchange request that specifies a desired exchange rate, and a desired exchange when a limit exchange first exchange request is selected. Area 504 for specifying the rate
And, including.

In the area 501, the quantity of the first value exchange medium currently owned by the user is displayed. In the area 502, the quantity of the first value exchange medium desired to be exchanged, which is input by the user, is displayed. The area 503 includes, for example, a selection unit 503a for selecting the first exchange request of the market and a selection unit 503b for selecting the first exchange request of the limit price.

The area 504 includes, for example, a display area 504a for the current market price and a correction unit 504b for correcting the desired exchange rate. In the display area 504a of the current market price, as the current market price,
The value of the market exchange rate (second market exchange rate) described later is displayed. The user selects the display area 50
With 4a, it is possible to set the desired exchange rate (first desired exchange rate) when exchanging the first value exchange medium for the second value exchange medium after confirming the current market price (market exchange rate). Become. The user can correct the desired exchange rate by operating the correction unit 504b for correcting the desired exchange rate.

The display mode of the correction unit 504b is not particularly limited, but for example, in the present example, the change unit 504c for changing the desired exchange rate is displayed. The changing unit 504c may be able to input a numerical value in free text, or each time the arrow icon displayed on the changing unit 504c is pressed, the desired exchange rate is within a predetermined range (for example, 0.05). You may make it increase/decrease according to the direction of an arrow (increase with an upward arrow, decrease with a downward arrow, etc.).

FIG. 27 shows the second displayed on the wallet management application X2 of the user terminal 20.
It is a figure which shows an example of the input screen 500B of a replacement request|requirement. The second exchange request input screen 500B includes, for example, an area 505 for displaying the current amount of the second value exchange medium, and an area 506 for inputting the quantity of the second value exchange medium desired to be exchanged. , An area 507 for selecting a market second exchange request that does not specify a desired exchange rate or a limit exchange second exchange request that specifies a desired exchange rate, and a desired exchange when a limit exchange second exchange request is selected. Area 508 for specifying rate
And, including.

In the area 505, the quantity of the second value exchange medium currently owned by the user is displayed. In the area 506, the quantity of the second value exchange medium desired to be exchanged, which is input by the user, is displayed. The area 507 includes, for example, a selection unit 507a for selecting the second exchange request of the market and a selection unit 507b for selecting the second exchange request of the limit price.

The area 508 includes, for example, a display area 508a for the current market price and a correction unit 508b for correcting the desired exchange rate. In the display area 508a of the current market price, as the current market price,
The value of the market exchange rate (first market exchange rate) described later is displayed. The user selects the display area 50
With 8a, it is possible to set the desired exchange rate (second desired exchange rate) when exchanging the second value exchange medium for the first value exchange medium after confirming the current market price (market exchange rate). Become. The user can correct the desired exchange rate by operating the correction unit 508b for correcting the desired exchange rate.

Although the display mode of the correction unit 508b is not particularly limited, for example, in the present example, the change unit 508c for changing the desired exchange rate is displayed. The changing unit 508c may be able to input a numerical value in free text, or each time the arrow icon displayed on the changing unit 508c is pressed, the desired exchange rate is within a predetermined range (eg, 0.05). You may make it increase/decrease according to the direction of an arrow (increase with an upward arrow, decrease with a downward arrow, etc.).

(S5101)
Next, the first exchange request processing unit 251 or the second exchange request processing unit 252 of the user terminal 20
When the input of the exchange request (the first exchange request or the second exchange request) by the user is accepted, the accepted exchange request (the first exchange request or the second exchange request) is transmitted to server 10.

(S5102)
Next, when receiving the first exchange request from the user terminal 20, the first exchange request receiving unit 152a of the server 10 adds the content of the received first exchange request to the exchange request table stored in the storage unit 11, The exchange request table is updated. In addition, the second exchange request reception unit 1 of the server 10
When the second exchange request is received from the user terminal 20, the 52b adds the content of the received second exchange request to the exchange request table stored in the storage unit 11 and updates the exchange request table. This is the end of the exchange request transmission and registration processing.

(5-2) Exchange Office Function of Server 10 The server 10 has an exchange office function of exchanging the first value exchange medium and the second value exchange medium with the user terminal 20. The exchange function of the server 10 will be described below.

(5-2-1) Calculation of market exchange rate In the present embodiment, the market exchange rate calculation unit 151 of the server 10 uses the market rate (expected increase rate) of the desired exchange rate related to the exchange request received from each user terminal 20. Calculate a certain exchange rate.
The market exchange rate is the exchange rate when executing the debt issuance of the first value exchange medium and the offsetting purchase of the debt issuance, which will be described later. As a method of calculating the market exchange rate, any method capable of expressing the market rate of the desired exchange rate can be adopted. For example, the market exchange rate may be calculated based on at least one first desired exchange rate and at least one second desired exchange rate. At this time, for example, only the desired exchange rate (first desired exchange rate and second desired exchange rate) relating to the exchange request (first exchange request and second exchange request) received by the server 10 within a predetermined valid period. The exchange rate may be calculated based on Further, the market exchange rate may be calculated based on all the first desired exchange rates and all the second desired exchange rates.

<Weighted average>
For example, the market exchange rate is an average obtained by multiplying a weighted average of the first desired exchange rate and the second desired exchange rate included in the exchange request table (each value is multiplied by a coefficient (may include 0) as a weight). )
May be For example, the market exchange rate may be a weighted average of at least one first desired exchange rate and at least one second desired exchange rate. The market exchange rate may be a weighted average of all first desired exchange rates and all second desired exchange rates. Further, for example, the highest first desired exchange rate among the first desired exchange rates included in the exchange request table is set as the highest first desired exchange rate, and the lowest first desired exchange rate among the second desired exchange rates included in the exchange request table. 2 desired exchange rate,
When the lowest second desired exchange rate is used, the market exchange rate may be calculated based on the highest first desired exchange rate and the lowest second desired exchange rate. In particular, for example, the market exchange rate may be an average value of the highest first desired exchange rate and the lowest second desired exchange rate. Further, for example, the market exchange rate specifies a predetermined number (for example, 1 or 1000) of the second exchange requests in the order of the desired exchange rate close to the first exchange request, and specifies the second exchange request as the second exchange request. A predetermined number (for example, 1 or 1000) of first exchange requests may be specified in the order of close desired exchange rates, and the average value of the desired exchange rates relating to the specified exchange requests may be specified. ..

For example, in the example shown in FIG. 28, the first exchange request processing unit 251 of each of the user terminals 20A and 20B transmits the first exchange request to the server 10, and the second exchange request processing unit 252 of each of the user terminals 20C and 20D is performed. The second exchange request is transmitted to the server 10. Specifically, in the first exchange request transmitted by the first exchange request processing unit 251 of the user terminal 20A, the quantity of the first value exchange medium desired to be exchanged is 1000 ACT, and the first desired exchange rate is 0.86. Is. Also, in the first exchange request transmitted by the first exchange request processing unit 251 of the user terminal 20B, the number of the first value exchange mediums desired to be exchanged is 500 ACT, and the first desired exchange rate is 0.92. Further, in the second exchange request transmitted by the second exchange request processing unit 252 of the user terminal 20C,
The quantity of the second value exchange medium desired to be exchanged is 700 EST, and the second desired exchange rate is 1.1.
Is. Further, in the second exchange request transmitted by the second exchange request processing unit 252 of the user terminal 20D, the number of second value exchange media desired to be exchanged is 2000 EST, and the second desired exchange rate is 1.17.

At this time, the highest first desired exchange rate is 0.92 related to the first exchange request transmitted by the first exchange request processing unit 251 of the user terminal 20B, and the lowest second desired exchange rate is the second exchange rate of the user terminal 20C. This is 1.1 related to the second exchange request transmitted by the second exchange request processing unit 252. From the above, when the average value of the highest first desired exchange rate and the lowest second desired exchange rate is used as the market exchange rate, the market exchange rate is (0.92+1.1)/2=1.01. ..

(5-2-2) Debt Issuance of First Value Exchange Medium by First Market Exchange Request The first market exchange request generation unit 153a of the server 10 may, for example, perform the above market exchange rate (first
With the market exchange rate), the first market exchange request for exchanging the first value exchange medium for which the debt issuance is exchanged for the second value exchange medium is infinitely generated. Then, the first execution processing unit 154a of the server 10
Among the second exchange requests included in the exchange request table, the second exchange request satisfying the predetermined first contract condition is specified, and the contract process is executed. Specifically, the second desired exchange rate is the market exchange rate (first
If there is a second exchange request that is the same as the market exchange rate or lower than the market exchange rate (first market exchange rate), the first exchange rate is set as the contract target that satisfies the predetermined first contract execution condition. The contract processing with the first market exchange request is executed at a rate. Further, regarding the second exchange request of the market as well, the contract processing with the first market exchange request is immediately executed at the first market exchange rate as a contract target satisfying the predetermined first contract condition.

In the contract processing, the first contract processing unit 154a of the server 10 updates, for example, the first ledger and the debt issuance table. First, the first contract processing unit 154a of the server 10
It is the first update information for updating the first ledger, and is associated with the user ID related to the second exchange request, and the market exchange rate (second A record is generated as the first update information for issuing the first value exchange medium in a quantity obtained by multiplying by one exchange rate. Then, the first contract processing unit 154a of the server 10 updates the first ledger by adding the record to the first ledger.

Further, the first contract processing unit 154a of the server 10 updates the debt issuance table by adding the issued quantity of the first value exchange medium to the debt issuance quantity of the debt issuance table as the debt issuance amount. As a result, the first value exchange medium is issued as a debt.

(5-2-3) Transfer processing of second value exchange medium associated with debt issuance Further, the first contract processing unit 154a of the server 10 executes the second contract processing in accordance with the debt issuance of the first value exchange medium. The process of transferring the second value exchange medium associated with the user ID related to the exchange request to the server ID (administrator ID) related to the server 10 is executed. Specifically, the first contract processing unit 154a of the server 10 is the second update information for updating the second ledger, and stores the second value exchange medium of the quantity according to the second exchange request. 2 User I concerning the exchange request
A transaction as second update information for transferring from D to the server ID (administrator ID) of the server 10 is generated. Then, the first contract processing unit 154a of the server 10 broadcasts the transaction in the value exchange medium distribution network. Then, the transaction is taken into the block chain of each node, so that the second
The ledger is updated.

The system administrator may issue a free debt to the user (hereinafter sometimes referred to as “free debt issuance”) based on arbitrary setting information set in advance. More specifically, for example, the first market exchange request generation unit 153a of the server 10 uses the user ID associated with the user who operates the user terminal 20 as a measure based on arbitrary setting information by the system administrator. A first market exchange request that does not require the transfer of the second value exchange medium as a consideration received by the server ID associated with the system administrator of the server 10 (hereinafter, "
A certain amount may be generated).

In this case, the first contract processing unit 154a of the server 10 causes the user terminal 20 to operate under predetermined conditions.
Contract processing with the second exchange request (hereinafter sometimes referred to as "second free acquisition request") as a response to the first free payment request received from (when referred to as "first free contract processing" hereinafter) There is).

In addition, at this time, the server ID associated with the system administrator of the server 10 is a consideration for the second deal processing unit 154b of the server 10 offsetting and purchasing the first value exchange medium for the subsequent first exchange request. As the number of second value exchange media to be transferred to the user ID associated with the user who operates the user terminal 20 that makes the first exchange request, It is advisable to prepare only the contract processing amount (preparation as funding source).

It should be noted that the server 10 uses the first value exchange medium that issues a free debt to the user ID by the first free contract processing to the consumption consideration (or the type III belonging to the type II for the act of acquiring the paid consumption value). The server 10 may provide information indicating the purpose (limited use) of issuance of a gratis debt related to the first grant request, in advance. It is advisable to send it to the user terminal 20 at the execution timing of the issuance of free debt. Then, the display processing unit 26 of the user terminal 20 may display, on the display device of the user terminal 20, information indicating the purpose (limited use) of issuance of the free debt related to the first free benefit request received from the server 10. ..

In addition, the system administrator sets the time limit cancellation deadline of the first value exchange medium for issuing a free debt to the user ID by the first free execution process as the arbitrary setting information in advance for 1 day, 3 days,
The server 10 sets information for a relatively short period such as one week, half a month, or one month, and the server 10 provides information indicating the expiration date of the first value exchange medium that is issued as a gratis obligation in connection with the first gratis contract processing. It is advisable to send it to the user terminal 20 at the execution timing of the issuance of free debt. Then, the user terminal 20
The display processing unit 26 may display the information indicating the expiration date of the first value exchange medium received from the server 10 on the display device of the user terminal 20. This may allow the system administrator to arbitrarily improve the distribution speed of the first value exchange medium including the economic stimulus measure.

(5-2-4) Offset purchase of the first value exchange medium by the second market exchange request The second market exchange request generation unit 153b of the server 10 may, for example, perform the above market exchange rate (second
At the exchange rate, the second value exchange medium that was owned by the debt issuance
Infinitely generate the second exchange rate exchange request for exchange with the value exchange medium. It should be noted that the second market exchange request generation unit 153b of the server 10 replaces generating the second market exchange request indefinitely,
The second market exchange request may be generated for the debt issuance balance recorded in the debt issuance table. Then, the second contract processing unit 154b of the server 10 includes the first contract processing unit 154b included in the exchange request table.
Among the exchange requests, the first exchange request satisfying the predetermined second contract condition is specified, and the contract process is executed. Specifically, if there is a first exchange request in which the first desired exchange rate is equal to or higher than the market exchange rate (second market exchange rate), the first exchange request is made. The request is set as a contract target satisfying the second predetermined contract condition, and the contract process with the second market exchange request is executed at the second market exchange rate. Further, for the first exchange request of the market as well, the contract processing with the second market exchange request is executed immediately at the second market exchange rate as a contract target satisfying the predetermined second contract condition.

In the contract processing, the second contract processing unit 154b of the server 10 updates, for example, the first ledger and the debt issuance table. First, the second contract processing unit 154b of the server 10
It is the first update information for updating the first ledger, and the user ID of the first value exchange medium of the quantity related to the first exchange request, which is associated with the user ID related to the first exchange request.
The first update information having the content for canceling the association with is generated. The first update information may be, for example, the content of erasing the record itself of the first value exchange medium of the quantity associated with the user ID in the first ledger. Alternatively, the first update information may have a content in which the holder information (the user ID information to be linked) of the first value exchange medium of the number linked to the user ID in the first ledger is blank. .. Then, the second contract processing unit 15 of the server 10
4b updates the first ledger with the first update information. At this time, the first value exchange medium held by the user may be preferentially canceled from the first value exchange medium having the closest scheduled date of cancellation.

Furthermore, the second contract processing unit 154b of the server 10 is the first that cancels the association with the user ID.
The debt issuance table is updated by adding the quantity of the value exchange medium to the offset purchase quantity of the debt issuance table as the offset purchase for the debt issuance. As a result, the first value exchange medium is offset and purchased.

(5-2-5) Transfer Processing of Second Value Exchange Medium Accompanying Offset Purchase Further, the second contract processing unit 154b of the server 10 carries out the second possession by itself in addition to the offset purchase of the first value exchange medium. The process of transferring the value exchange medium to the user ID related to the first exchange request is executed. Specifically, the second contract processing unit 154b of the server 10 is the second update information for updating the second ledger, and indicates the quantity of the first value exchange medium related to the first exchange request as the second market price. A transaction is generated as second update information for transferring the amount of the second value exchange medium divided by the exchange rate from the server ID (administrator ID) of the server 10 to the user ID of the first exchange request. .. Then, the second contract processing unit 154b of the server 10 broadcasts the transaction in the value exchange medium distribution network. Then, the second ledger is updated by incorporating the transaction into the block chain of each node.

(5-2-6) Sales (Exchange) Fee Further, the remittance processing unit 124 of the server 10 uses the first value exchange medium which is the target of the second contract processing as the sale (exchange) fee of the first value exchange medium. A predetermined amount of the second value exchange medium may be collected from the user who sells (first exchange). For example, the remittance processing unit 124 of the server 10 transmits a predetermined transaction generation instruction to the user terminal 20. Second of the user terminal 20
The value exchange medium processing unit 23 receives the user ID of the user in response to the transaction generation instruction.
A predetermined number of second value exchange media linked to the server 10 (administrator ID related to system administrator
) May be generated and transmitted (broadcast) to the blockchain network. Alternatively, the second contract processing unit 154b of the server 10 sets the second value exchange medium that the second contract processing unit 154b owns along with the offset purchase of the first value exchange medium to the user ID (first value exchange medium) related to the first exchange request. Of the user who is the seller (first exchange) of the), the second value exchange medium held by the user ID related to the first exchange request is executed.
You may perform the production/transmission process of the said transaction transferred to the server ID which concerns on the server 10. The amount of the sale (exchange) fee may be defined by, for example, the setting information set in advance by the system administrator, or the type of the user's account (for example, “company” and “individual”), It may be changed according to the evaluation value such as the remittance status of the first value exchange medium and/or the second value exchange medium of the user.

(5-3) Spread The exchange management unit 15 of the server 10 has the market exchange rate (“first market exchange rate” relating to the first market exchange request.
A difference (spread) may be provided between the market exchange rate") and the market exchange rate related to the second market exchange request (may be referred to as "second market exchange rate"). Also, server 1
When performing the processing described in “(6-1-3-3) and (6-2-3-3) Fixation of exchange rate” described later, the exchange management unit 15 of 0 is the first fixed exchange. Even if a difference is provided between the target exchange rate related to the request (may be referred to as the first target exchange rate) and the target exchange rate related to the second fixed exchange request (may be referred to as the second target exchange rate) Good. By providing a spread, it becomes possible to properly collect the second value exchange medium supplied to the value exchange medium distribution network,
The administrator of the server 10 or the like can obtain the spread profit.

(6) Stabilization of value scale of second value exchange medium (6-1) Increase in quantity of second value exchange medium (6-1-1) Basic flow of increase FIG. 29 is a smart contract unit 131 of the server 10. 9 is a diagram showing an example of an operation flow of a second value exchange medium increasing process executed by each of the smart contract units 231 of the user terminals 20. FIG. Hereinafter, an increase in the number of second value exchange media in this embodiment will be described.

(S6100)
The market exchange rate acquisition unit 131a of the server 10 or the market exchange rate acquisition unit 231 of the user terminal 20.
a is the server 1 with the market exchange rate explained in the above “(5-2-1) Calculation of market exchange rate”.
It is acquired from the market exchange rate calculation unit 151 of 0.

(S6101)
Next, the increase condition determination unit 131b of the server 10 or the increase condition determination unit 23 of the user terminal 20.
1b determines whether or not a predetermined increasing condition is satisfied.

Here, the above-mentioned predetermined increase condition is, for example, the market price acquired by the market exchange rate acquisition unit 231a or the market exchange rate acquisition unit 131a for the target exchange rate between the first value exchange medium and the second value exchange medium. It may be that the premium rate, which is the ratio of the exchange rate, has reached the premium upper limit value, which is a predetermined upper limit value. Here, the target exchange rate is a target value of the exchange rate between the first value exchange medium and the second value exchange medium that can be set by the system administrator. The target exchange rate is, for example,
“Unit exchange value of second value exchange medium/unit exchange value of first value exchange medium” is “1.0
The target exchange rate when the unit exchange value (currency value) of the first value exchange medium and the unit exchange value (currency value) of the second value exchange medium, which are represented by "0", may be the same.

The premium upper limit value may be determined, for example, randomly or within a predetermined section (for example, between 1.05 and 1.10) randomly or by voting by the user terminal 20.
Even in the case of random determination, it may be a discrete fixed value defined by a predetermined step size (for example, a value in 0.001 steps such as (1.05+0.001×N)). .. The premium upper limit value may be black-boxed so that the user or the user and the system administrator cannot recognize it. As a result, it becomes possible to operate the smart contract unit 131 or 231 without making the user aware of the execution timing of the process of increasing the second value exchange medium.

The above-mentioned predetermined increase condition may be, for example, that the premium rate at the time when a predetermined period has elapsed since the previous increase processing (or decrease processing) of the second value exchange medium is larger than “1”. As a result, the cycle of the increase/decrease process of the second value exchange medium can be accommodated within the predetermined period. Therefore, even if the fluctuation of the premium rate continues to fluctuate gently within the range where it does not reach the premium upper limit value, it becomes possible to bring the premium rate close to “1” and deviate the premium rate from “1”. It is possible to further enhance the effect of making it difficult (the effect of suppressing the fluctuation of the extra rate to be around “1”).

(S6102)
Next, the increase execution unit 131c of the server 10 or the increase execution unit 231c of the user terminal 20
When the predetermined increase condition is satisfied, the increase condition determination unit 131b of the server 10 or the user terminal 20
When the increase condition determination unit 231b of No. 2 determines, the second value exchange medium associated with the user IDs of the user terminal 20 and the server 10 is increased by a predetermined number. Specifically, server 1
The increase execution unit 131c of 0 or the increase execution unit 231c of the user terminal 20 is the second update information for updating the second ledger and is associated with the server ID of the server 10 or the user ID of the user terminal 20. The second update information for increasing the number of the obtained second value exchange media by a predetermined amount is generated. In this example, the second ledger may be configured by a block chain. Therefore, the second
The update information may be a transaction to be incorporated in the block chain, and may be a transaction of newly generating a predetermined number of second value exchange media having the user ID as an owner. The above-mentioned predetermined quantity (increased quantity of the second value exchange medium) will be described later.

(S6103)
Next, the increase execution unit 131c of the server 10 or the increase execution unit 231c of the user terminal 20
The generated second update information (transaction) is transmitted to an arbitrary node (such as the server 10 or the user terminal 20) in the value exchange medium distribution network. Then, the second update information (transaction) is broadcast on the value exchange medium distribution network, and after being subjected to predetermined processing, is taken into the block chain stored in each node. This allows
The second ledger is updated.

As described above, when the predetermined increase condition is satisfied, the smart contract unit 131 of the server 10 or the smart contract unit 231 of the user terminal 20 sets the predetermined amount of the second value exchange medium held by the system administrator or the user. increase.

(6-1-2) Increased quantity (i) In the case of being based only on the possessed quantity The increased quantity is the premium rate at the time when the prescribed conditions for increase are met (hereinafter referred to as the “reached premium rate”).
Called. ) And the number of second value exchange media owned by the user and the system administrator. Here, when the above-mentioned predetermined increase condition is that the premium rate, which is the ratio of the market exchange rate to the target exchange rate, has reached the premium upper limit value, the reached premium rate is equal to the premium upper limit value described above. Further, if the above-described predetermined increase condition is greater than “1” at the time when the predetermined period has elapsed since the previous increase processing (or decrease processing) of the second value exchange medium, the arrival increase rate is the predetermined increase rate. It is the premium rate (but only if it is greater than "1") at the time when the period has elapsed. Further, for example, “increased quantity=(reached surcharge rate−1)×holding EST quantity immediately before executing the increasing process” may be used.

(Ii) When based on the owned quantity and distribution contribution rate The increased quantity is the surcharge rate, the owned quantity of the second value exchange medium of the user and the system administrator, and the movement of the second value exchange medium of the user and the system administrator. It may be calculated based on the distribution contribution rate, which is the ratio of the contribution degree of each user to the entire currency distribution speed relating to (remittance, etc.). For example, “increased quantity=(reached surcharge rate-1)×owned EST quantity immediately before executing the increase processing×distribution contribution rate” may be used. Here, the distribution contribution rate is calculated as follows, for example.
Distribution Contribution Rate = Individual Currency Transfer Rate / Base Currency Transfer Rate,
Individual currency transfer rate = EST transfer (remittance) quantity / final EST holding quantity in a predetermined period,
Base currency transfer rate=total EST transfer (remittance) quantity/total EST quantity in a predetermined period Note that during the predetermined period, the smart contract unit 131 of the server 10 and the smart contract unit 231 of the user terminal 20 increase the second value exchange medium. It may be a period from the previous execution (or the reduction processing) to the current execution. Further, the distribution contribution rate of the system administrator may be fixed as an arbitrary value as “1” which is the average value of the whole.

(Iii) When Based on Only Movement Evaluation Value The increased quantity may be calculated based on a movement evaluation value which is an evaluation value related to movement (remittance, etc.) of the second value exchange medium. Specifically, for example, the increased quantity may be a value obtained by multiplying the following expression (1) by expression (2).
(1) A value obtained by multiplying the total circulation amount of the second value exchange medium recorded in the second ledger by (arrival surcharge rate-1) (2) Based on the second ledger, an increase process (or decrease) of the second value exchange medium User of the number of second value exchange media for which processing such as remittance (payment, settlement, remittance, repayment means, or second exchange, etc.) has been executed from the previous execution of (processing) to the current increase Remittance quantity ratio to total remittance quantity for each (transfer evaluation value)
Here, it can be said that the above equation (1) represents the total amount of the second value exchange medium which is increased this time in the second ledger. Further, it can be said that the above equation (2) represents the contribution degree (use contribution degree on the remittance side) for each user to the total movement amount (total remittance amount) of the second value exchange medium. Therefore, it can be said that the above-described calculation method first issues the second value exchange medium according to the movement evaluation value of each user after first confirming the overall increased quantity based on the arrival surcharge rate. With such a method of calculating the increased quantity, it becomes possible to issue a new second value exchange medium according to the remittance status of each user (usage status of the second value exchange medium), regardless of the holding quantity of the second value exchange medium. ,
An effect that the currency circulation speed of the second value exchange medium is improved can be exhibited.

The movement evaluation value is replaced with the movement evaluation value based on the above-mentioned second ledger, and the movement evaluation value recorded in the second evaluation table stored in the storage unit 11 of the server 10 and the storage unit 21 of the user terminal 20. You may use the value. Also, the “remittance category”, “remittance category ratio”, “offset determination”, and “movement evaluation value” recorded in the second evaluation table are included in the second ledger,
The ledger and the second evaluation table may be integrated.

(Iv) Based on the possessed quantity and the transfer evaluation value The increased quantity is determined according to the above-mentioned “(i) Based on the owned quantity only” and “(iii) Based on the transfer evaluation value”. Alternatively, it may be proportionally calculated. More specifically, the smart contract unit 131 of the server 10 or the smart contract unit 231 of the user terminal 20, for example, is a proration rate desired by a system administrator or a user (specific gravity when based on the possessed quantity and movement). By accepting the input of (proportion ratio with the proportional value when it is based on the evaluation value) and totaling the received proportional distribution ratio, etc., the specific gravity when it is based only on the possessed quantity at the time of increase, and the specific gravity when it is based only on the movement evaluation value. To calculate. Then, the smart contract unit 131 of the server 10 or the smart contract unit 231 of the user terminal 20 uses the ratio of specific gravity (increased proportional division ratio) calculated here to increase the number of second value exchange media described above. It is advisable to make the quantity proportionally divided into “(i) Based only on the possessed quantity” and “(iii) Based on the movement evaluation value”. At this time, the increase quantity may be calculated by multiplying the calculation result in each case by the increase proportional division rate. For example, when the proportionate increase rate is “30% when it is based only on the possessed quantity” and “70% when it is based only on the movement evaluation value”, the smart contract unit 131 of the server 10 or the smart contract of the user terminal 20. The part 231 sums the quantity obtained by multiplying the increase quantity calculated by the case based only on the possessed quantity by 0.3 and the quantity obtained by multiplying the increase quantity calculated by the case based only on the movement evaluation value by 0.7. Good to do.

In this way, by calculating the increase quantity of the second value exchange medium based not only on the possession quantity but also on the distribution contribution rate and the movement evaluation value, the second value exchange medium is provided to the user who owns the second value exchange medium. Can use incentives to use exchange media (payment, settlement, remittance, repayment means, second exchange, etc.) (Generally, the incentive to use fiat currencies is negative. Therefore, the distribution function of the second value exchange medium as the “value exchange medium” can be easily exerted. In addition, the second value exchange medium “is likely to increase in volume” if used appropriately without stagnation, or in other words, the use of “plus interest rate” (synonymous with small negative) may cause positive (if negative is small It becomes possible to function as a currency that exerts the asset effect of (synonymous). On the other hand, if it is stagnation and does not use it but only saves it, it is "it is difficult to increase the amount", so to speak it is "negative interest rate"
The second value exchange medium is easy to move from the wallet to the wallet because it can function as a currency that exerts a negative (synonymous when the plus is small) and possible negative (synonymous when the plus is small) asset effect. In other words, “value” can be easily exchanged, and it can be a “value exchange medium” with a fast distribution speed. In the present embodiment, as with the first value exchange medium, the second value exchange medium is “a unit exchange value that is newly issued based on relative evaluation of value transferred between users and demand (value is exchanged). It can function as a value exchange medium with a fast distribution speed (in which fluctuations in scale are suppressed).

(6-1-3) Stabilization of the value scale function of the second value exchange medium As described above, the number of the second value exchange medium held by each user is held by each user when a predetermined increase condition is satisfied. It increases based on the quantity, distribution contribution rate, and movement evaluation value. Along with this, the server 10 further sets the value scale function (unit exchange value) of the second value exchange medium to the value scale function (unit exchange value) of the first value exchange medium at the target exchange rate, as described below. It is also possible to execute a predetermined process for balancing (not deviating from the target exchange rate). As a result, the unit exchange value of the second value exchange medium is further balanced with the unit exchange value of the first value exchange medium at the target exchange rate (or in the vicinity thereof). A strong value scale function (a function capable of controlling the unit exchange value) can be further generated for the second value exchange medium.

(6-1-3-1) Correction of desired exchange rate The server 10 corrects the desired exchange rate of the already received exchange request so as to offset the increase rate of the quantity of the second value exchange medium of each user. May be. In addition, the fluctuation amount of the first market exchange rate and the second market exchange rate based on the market exchange rate that fluctuates as a result of the correction processing is up to the target exchange rate (first target exchange rate and second target exchange rate) ( The amount of fluctuation exceeding the target exchange rate may be limited). FIG. 30 is a diagram showing an example of an operation flow of correction processing of a desired exchange rate at the time of increase processing. By this processing, the above-mentioned market exchange rate further approaches the target exchange rate.

(S6104)
First, the desired-at-increasing exchange rate correction unit 155a of the server 10 acquires the market exchange rate from the market exchange rate calculation unit 151 of the server 10, as in S6100 described above.

(S6105)
Next, the increase desired exchange rate correction unit 155a of the server 10 determines whether or not a predetermined increase condition is satisfied, as in S6101 described above. If it is determined that the predetermined increase condition is not satisfied (S6105; No), the process returns to step S6104. On the other hand, if it is determined that the predetermined increase condition is satisfied (S6105; Yes), the process proceeds to step S6106.

(S6106)
Next, the increase desired exchange rate correction unit 155a of the server 10 stores the already accepted exchange request (including the first exchange request and the second exchange request) recorded in the exchange request table stored in the storage unit 11. Among them, the exchange request for which the desired exchange rate has not been corrected is identified.

(S6107)
Next, the increase desired exchange rate correction unit 155a of the server 10 refers to the second ledger and refers to S61.
The increase rate of the quantity of the second value exchange medium associated with the user ID relating to the exchange request specified in 06 is acquired.

(S6108)
Next, the increase desired exchange rate correction unit 155a of the server 10
The desired exchange rate of the exchange request specified in S6106 is corrected so as to offset the increase rate of the second value exchange medium acquired in S6107. For example, when the first desired exchange rate related to a certain first exchange request is 0.86 and the number of the second value exchange media associated with the user ID related to the first exchange request increases by 3%, Since 0.86×(100−3)%=0.8342,
The first desired exchange rate is corrected to 0.8342. In addition, for example, the second desired exchange rate relating to a certain second exchange request is 1.17, and the number of the second value exchange media associated with the user ID relating to the second exchange request has increased by 3%. In the case, 1.17×(100−3)%=1.13
Therefore, the second desired exchange rate is corrected to 1.1349. Note that, for example, the second desired exchange rate related to a certain second exchange request is 1.04, and the number of second value exchange media associated with the user ID related to the second exchange request has increased by 5%. In the case, 1.04 x (100-
5) Since %=0.988, the second desired exchange rate is corrected to 0.988. At this time,
When the first exchange rate is, for example, 1.00, the second exchange request in which the second desired exchange rate is corrected to 0.988 is the first exchange rate (in this case, 1.00) may be executed as the first exchange rate request.

(S6109)
Next, the increase desired exchange rate correction unit 155a of the server 10
It is determined whether or not the desired exchange rate has been corrected for all the exchange requests that have already been accepted.
When it is determined that the desired exchange rate has not been corrected for all the exchange requests that have already been received (S6109; No), the process returns to S6106. When it is determined that the desired exchange rate has been corrected for all the exchange requests already received (S6109; Yes), the process ends.

(6-1-3-2) Restriction on Modification for Increasing Second Desired Exchange Rate The server 10 associates each user ID with the processing described in the above "(6-1-1) Basic flow of increase". When the quantity of the obtained second value exchange medium increases, the correction of the second desired exchange rate may be limited within a predetermined period (variation suppressing period). FIG. 31 is a diagram illustrating an example of an operation flow of a modification limiting process for increasing the second desired exchange rate. By this process, during the fluctuation suppressing period, the market exchange rate that once approaches the target exchange rate is prevented from fluctuating with the intention of the user and abruptly deviating from the target exchange rate in a short period. The restriction process may be limited to the uncommitted second exchange request recorded in the exchange request table at the time when the above-described process for increasing the second value exchange medium is performed.

(S6110)
First, the increase desired exchange rate correction unit 155a of the server 10 receives a second desired exchange rate correction request from the user terminal 20. The correction request may include, for example, information indicating a desired second desired exchange rate after correction (corrected second desired exchange rate).

(S6111)
Next, the desired increase exchange rate modification unit 155a of the server 10 determines whether or not a predetermined switching condition is satisfied. The predetermined switching condition is a condition that defines the end of the fluctuation suppression period described above. For example, the predetermined switching condition may be that a predetermined fixed length period has elapsed. The length of the fixed length period is not particularly limited, and may be any length, and may be determined by voting of the user terminal 20 or the like. Further, for example, the predetermined switching condition may be that the above-mentioned extra rate (ratio of the market exchange rate to the target exchange rate) has reached a predetermined threshold value. Here, the value of the predetermined threshold value is not particularly limited and may be an arbitrary value. The value of the predetermined threshold value may be equal to or more than the above-mentioned extra upper limit value.

(S6112)
When it is determined in step S6111 that the predetermined switching condition is satisfied (S611)
1; Yes), the increase desired exchange rate correction unit 155a of the server 10 corrects the second desired exchange rate in the exchange request table, and the process ends.

(S6113)
When it is determined in step S6111 that the predetermined switching condition is not satisfied (S61)
11; No), the increase desired exchange rate correction unit 155a of the server 10 indicates that the correction content related to the correction request is in the direction in which the second desired exchange rate increases ("(6-1-1) Basic flow of increase"). Due to the increase in the number of second value exchange media linked to each user ID by the process described, “(6
-1-3-1) Correction of desired exchange rate", it is determined whether the second desired exchange rate corrected by the process described above returns to the second desired exchange rate in the state before the correction). To do. When it is determined that the second desired exchange rate is not in the increasing direction (S6111; No), the process is step S6.
Proceeding to 112, the increase desired exchange rate correction unit 155a of the server 10 corrects the second desired exchange rate in the exchange request table, and the process ends.

(S6114)
When it is determined in step S6113 that the second desired exchange rate is increasing (
S6113; Yes), the increase desired exchange rate correction unit 155a of the server 10 executes a predetermined limiting process for limiting the correction of the second desired exchange rate. Here, the predetermined restriction processing is, for example, not executing the correction processing of the second desired exchange rate at all and executing the correction processing of the second desired exchange rate which is not according to the correction request received in S6110 (for example, The second desired exchange rate recorded in the exchange request table may be corrected to a value smaller than the corrected second desired exchange rate received in S6110). The predetermined restriction process may be, for example, a process of notifying the user terminal 20 that modification of the second desired exchange rate is restricted. This is the end of the process.

(6-1-3-3) Fixed exchange rate The server 10 is associated with each user ID by the series of processes described in the above-mentioned “(6-1) Increase in quantity of second value exchange medium”. When the quantity of the second value exchange medium increases, the exchange request received from the user terminal 20 may be contracted according to the target exchange rate in a predetermined period. The predetermined period is called a fixed exchange period. The fixed exchange period may overlap the fluctuation suppression period described above.

The first fixed exchange request generation unit 156a of the server 10 may, for example, use the above-described target exchange rate (first
With the target exchange rate), the first fixed exchange request for exchanging (debt issuance) the first value exchange medium for the second value exchange medium is infinitely generated. Then, the first contract processing unit 154a of the server 10 identifies the second exchange request satisfying the predetermined first contract among the second exchange requests included in the exchange request table, and executes the contract process. Specifically, when there is a second exchange request in which the second desired exchange rate is equal to or lower than the target exchange rate (first target exchange rate), there is a second exchange request. Execution processing between the request and the first fixed exchange request is executed at the target exchange rate (first target exchange rate), with the request as the execution target satisfying the predetermined first execution condition. Also, regarding the second exchange request of the market, the target exchange rate (first target exchange rate) is set as the contract target satisfying the predetermined first contract condition.
Then, the contract processing with the first fixed exchange request is immediately executed.

In the contract processing, the first contract processing unit 154a of the server 10 updates, for example, the first ledger and the debt issuance table. First, the first contract processing unit 154a of the server 10
It is the first update information for updating the first ledger, and is associated with the user ID related to the second exchange request, and the target exchange rate (second (1 target exchange rate) to generate a record as first update information for issuing the first value exchange medium in a quantity. Then, the first contract processing unit 154a of the server 10 updates the first ledger by adding the record to the first ledger.

Further, the first contract processing unit 154a of the server 10 updates the debt issuance table by adding the issued quantity of the first value exchange medium to the debt issuance quantity of the debt issuance table as the debt issuance amount. As a result, the first value exchange medium is issued as a debt.

Furthermore, the first contract processing unit 154a of the server 10 sends the second value exchange medium associated with the user ID related to the second exchange request that has been contracted, to the server, in addition to the debt issuance of the first value exchange medium. The process of transferring to the server ID (administrator ID) of 10 is executed. Specifically, the first contract processing unit 154a of the server 10 is the second update information for updating the second ledger, and stores the second value exchange medium of the quantity according to the second exchange request. 2 User I concerning the exchange request
A transaction as second update information for transferring from D to the server ID (administrator ID) of the server 10 is generated. Then, the first contract processing unit 154a of the server 10 broadcasts the transaction in the value exchange medium distribution network. Then, the transaction is taken into the block chain of each node, so that the second
The ledger is updated.

The second fixed exchange request generation unit 156b of the server 10, for example, the target exchange rate (second
At the target exchange rate), the second fixed exchange request for exchanging (offset purchase) the second value exchange medium owned by itself is infinitely generated. The second fixed exchange request generation unit 156b of the server 10 generates the second fixed exchange request for the debt issuance balance recorded in the debt issuance table instead of infinitely generating the second fixed exchange request. You may. Then, the second contract processing unit 154b of the server 10 among the first exchange requests included in the exchange request table,
The first exchange request satisfying the predetermined second contract condition is specified, and the contract process is executed. In particular,
If there is a first exchange request in which the first desired exchange rate is the same as the target exchange rate (second target exchange rate) or higher than the target exchange rate (second target exchange rate), the first exchange request is set to the predetermined first exchange rate. As a contract target satisfying the second contract condition, the contract process with the second fixed exchange request is executed at the target exchange rate (second target exchange rate). Further, the contract processing with the second fixed exchange request is immediately executed at the target exchange rate (second target exchange rate) as the contract target satisfying the second predetermined contract condition for the first exchange request of the market.

In the contract processing, the second contract processing unit 154b of the server 10 updates, for example, the first ledger and the debt issuance table. First, the second contract processing unit 154b of the server 10
It is the first update information for updating the first ledger, and the user ID of the first value exchange medium of the quantity related to the first exchange request, which is associated with the user ID related to the first exchange request.
The first update information having the content for canceling the association with is generated. The first update information may be, for example, the content of erasing the record itself of the first value exchange medium of the quantity associated with the user ID in the first ledger. Alternatively, the first update information may have a content in which the holder information (the user ID information to be linked) of the first value exchange medium of the number linked to the user ID in the first ledger is blank. .. Then, the second contract processing unit 15 of the server 10
4b updates the first ledger with the first update information. At this time, the first value exchange medium held by the user may be preferentially canceled from the first value exchange medium having the closest scheduled date of cancellation.

Furthermore, the second contract processing unit 154b of the server 10 is the first that cancels the association with the user ID.
The debt issuance table is updated by adding the quantity of the value exchange medium to the offset purchase quantity of the debt issuance table as the offset purchase for the debt issuance. As a result, the first value exchange medium is offset and purchased.

Further, the second contract processing unit 154b of the server 10 transfers the second value exchange medium held by itself to the user ID related to the first exchange request, together with the offset purchase of the first value exchange medium. Execute. Specifically, the second contract processing unit 154b of the server 10 is the second update information for updating the second ledger, and indicates the quantity of the first value exchange medium related to the first exchange request as the second market price. A transaction is generated as second update information for transferring the amount of the second value exchange medium divided by the exchange rate from the server ID (administrator ID) of the server 10 to the user ID of the first exchange request. .. Then, the second contract processing unit 154b of the server 10 broadcasts the transaction in the value exchange medium distribution network. Then, the second ledger is updated by incorporating the transaction into the block chain of each node.

(6-2) Decrease in quantity of second value exchange medium (6-2-1) Basic flow of reduction FIG. 32 shows a first contract executed by the smart contract unit 131 of the server 10 and a smart contract unit 231 of the user terminal 20. It is a figure which shows an example of the operation|movement flow of the reduction process of 2 value exchange media. Hereinafter, a decrease in the number of second value exchange media according to this embodiment will be described.

(S6200)
The market exchange rate acquisition unit 131a of the server 10 or the market exchange rate acquisition unit 231 of the user terminal 20.
a is the server 1 with the market exchange rate explained in the above “(5-2-1) Calculation of market exchange rate”.
It is acquired from the market exchange rate calculation unit 151 of 0.

(S6201)
Next, the decrease condition determination unit 131d of the server 10 or the decrease condition determination unit 23 of the user terminal 20.
1d determines whether or not a predetermined reduction condition is satisfied.

Here, the above-mentioned predetermined decrease condition is, for example, the market price acquired by the market exchange rate acquisition unit 231a or the market exchange rate acquisition unit 131a for the target exchange rate between the first value exchange medium and the second value exchange medium. It may be that the premium rate, which is the ratio of the exchange rate, has reached the premium lower limit value, which is the predetermined lower limit value. Here, the target exchange rate is a target value of the exchange rate between the first value exchange medium and the second value exchange medium that can be set by the system administrator. The target exchange rate is, for example,
“Unit exchange value of second value exchange medium/unit exchange value of first value exchange medium” is “1.0
The target exchange rate when the unit exchange value (currency value) of the first value exchange medium and the unit exchange value (currency value) of the second value exchange medium, which are represented by "0", may be the same.

The premium lower limit value may be determined randomly, for example, in a predetermined section (for example, between 0.95 and 0.90), or by voting by the user terminal 20, or the like.
Even in the case of random determination, it is a discrete fixed value defined by a predetermined step size (for example, a value such as 0.001 step such as (0.95-0.001×N)). Good. The premium lower limit value may be black-boxed so that the user or the user and the system administrator cannot recognize it. As a result, it becomes possible to operate the smart contract unit 131 or 231 without making the user aware of the execution timing of the reduction processing of the second value exchange medium.

Further, the above-described predetermined decrease condition may be, for example, that the premium rate at the time when a predetermined period has elapsed since the previous second value exchange medium decrease process (or increase process) is smaller than “1”. As a result, the cycle of the increase/decrease process of the second value exchange medium can be accommodated within the predetermined period. Therefore, even if the fluctuation of the premium rate continues to fluctuate gently within the range where the premium lower limit value is not reached, the premium rate can be brought close to "1", and the premium rate deviates from "1". It is possible to further enhance the effect of making it difficult (the effect of suppressing the fluctuation of the extra rate to be around “1”).

(S6202)
Next, the reduction execution unit 131e of the server 10 or the reduction execution unit 231e of the user terminal 20
When the predetermined reduction condition is satisfied, the reduction condition determination unit 131d of the server 10 or the user terminal 20.
When the reduction condition determining unit 231d determines that the second value exchange medium associated with the user ID associated with the user terminal 20 and the server 10 is reduced by a predetermined amount. Specifically, server 1
The reduction execution unit 131e of 0 or the reduction execution unit 231e of the user terminal 20 is the second update information for updating the second ledger and is associated with the server ID of the server 10 or the user ID of the user terminal 20. The second update information is generated to reduce the amount of the second value exchange medium thus obtained by a predetermined amount. In this example, the second ledger may be configured by a block chain. Therefore, the second
The update information may be a transaction to be taken into the block chain, and may be a transaction of reducing the second value exchange medium having the user ID as a holder by a predetermined amount. The above-mentioned predetermined quantity (the decrease quantity of the second value exchange medium) will be described later.

(S6203)
Next, the reduction execution unit 131e of the server 10 or the reduction execution unit 231e of the user terminal 20
The generated second update information (transaction) is transmitted to an arbitrary node (such as the server 10 or the user terminal 20) in the value exchange medium distribution network. Then, the second update information (transaction) is broadcast on the value exchange medium distribution network, and after being subjected to predetermined processing, is taken into the block chain stored in each node. This allows
The second ledger is updated.

As described above, the smart contract unit 131 of the server 10 or the smart contract unit 231 of the user terminal 20 makes the predetermined amount of the second value exchange medium held by the system administrator or the user when the predetermined reduction condition is satisfied. Reduce.

(6-2-2) Decreased quantity (i) When based only on the possessed quantity The decreased quantity is the premium rate at the time when the prescribed reduction conditions are met (hereinafter referred to as the “reached premium rate”).
Called. ) And the number of second value exchange media owned by the user and the system administrator. Here, when the above-mentioned predetermined reduction condition is that the premium rate, which is the ratio of the market exchange rate to the target exchange rate, has reached the premium lower limit value, the reached premium rate is equal to the premium lower limit value described above. In addition, if the above-described predetermined reduction condition is less than “1” at the time when the predetermined period has elapsed since the previous reduction process (or increase process) of the second value exchange medium, the reached premium rate is the predetermined increase rate. It is the premium rate (only if it is less than "1") at the time when the period has elapsed. Then, for example, “reduction quantity=(1−reached surcharge rate)×holding EST quantity immediately before executing reduction processing” may be used.

(Ii) Based on the possessed quantity and distribution contribution rate The reduced quantity is the surcharge rate, the possessed quantity of the second value exchange medium of the user and the system administrator, and the movement of the second value exchange medium of the user and the system administrator. It may be calculated based on the distribution contribution rate, which is the ratio of the contribution degree of each user to the entire currency distribution speed relating to (remittance, etc.). For example, “reduction quantity=(1−reached surcharge rate)×holding EST quantity immediately before executing reduction processing×(1÷distribution contribution rate)” may be used. Here, the distribution contribution rate is calculated as follows, for example. It should be noted that an upper limit value may be set for the value obtained by “(1÷distribution contribution rate)” related to the calculation of the reduced quantity, and if the value is larger than “1”, the upper limit value is not exceeded.
The distribution contribution ratio may be balanced among the users whose obtained values are larger than “1” (in other words, the users whose distribution contribution ratio is smaller than “1” and whose distribution contribution ratio is relatively low).
Distribution Contribution Rate = Individual Currency Transfer Rate / Base Currency Transfer Rate,
Individual currency transfer rate = EST transfer (remittance) quantity / final EST holding quantity in a predetermined period,
Reference currency transfer rate=total EST transfer (remittance) quantity/total EST quantity in a predetermined period Note that during the predetermined period, the smart contract unit 131 of the server 10 and the smart contract unit 231 of the user terminal 20 reduce the second value exchange medium. It may be a period from the previous execution (or the increase processing) to the current execution. Further, the distribution contribution rate of the system administrator may be fixed as an arbitrary value as “1” which is the average value of the whole.

In this way, the second value exchange medium is used for the user who owns the second value exchange medium by calculating the decrease amount of the second value exchange medium based on the distribution contribution rate as well as the possession amount. Incentives (payment, settlement, remittance, repayment means, second exchange, etc.) can be exercised (generally speaking, the incentive to use fiat currency is negative (
*The desire for storage is higher than the desire for use).
The function as a "value exchange medium" can be easily exerted. Furthermore, the second value exchange medium is "hard to reduce in volume" if used appropriately without stagnation, and if used, "plus interest rate" (which is synonymous with a relatively small negative value) can cause a positive (relative It becomes possible to function as a currency that exerts an asset-like effect (similarly, if the minus is small). On the other hand, if the amount is stagnant and is not used and only accumulated, "the amount tends to decrease", so to speak it is "negative interest rate"
The second value exchange medium is a wallet because it can function as a currency that exerts a negative (synonymous with a relatively large negative) and possible negative (synonymous with a relatively large negative) asset effect. It is easy to move from a store to a wallet, that is, "value" is easily exchanged, and it can be a "value exchange medium" with a fast distribution speed. In the present embodiment, the second value exchange medium is similar to the first value exchange medium in that “a change in the value scale that is newly issued based on the relative evaluation of value transferred between users and demand is suppressed (unit exchange. A value exchange medium whose value is controlled) and which has a fast distribution speed”
It can function as.

(6-2-3) Stabilization of the value scale function of the second value exchange medium As described above, the number of the second value exchange medium held by each user is held by each user when a predetermined reduction condition is satisfied. Decrease based on quantity and distribution contribution rate. Along with this, the server 10 has a value scale function (unit exchange value) of the second value exchange medium as described below.
A predetermined process for further balancing the value scale function (unit exchange value) of the first value exchange medium with the target exchange rate (not deviating from the target exchange rate) may be executed. As a result, the unit exchange value of the second value exchange medium is further balanced with the unit exchange value of the first value exchange medium at the target exchange rate (or in the vicinity thereof). A strong value scale function (a function of controlling the unit exchange value) can be further generated for the second value exchange medium.

(6-2-3-1) Correction of desired exchange rate The server 10 corrects the desired exchange rate of the already received exchange request so as to offset the decrease rate of the second value exchange medium of each user. May be. In addition, the fluctuation amount of the first market exchange rate and the second market exchange rate based on the market exchange rate that fluctuates as a result of the correction processing is up to the target exchange rate (first target exchange rate and second target exchange rate) ( The amount of fluctuation exceeding the target exchange rate may be limited). FIG. 33 is a diagram showing an example of an operation flow of correction processing of a desired exchange rate at the time of reduction processing. By this processing, the above-mentioned market exchange rate further approaches the target exchange rate.

(S6204)
First, the decrease desired exchange rate correction unit 155b of the server 10 acquires the market exchange rate from the market exchange rate calculation unit 151 of the server 10, as in S6200 described above.

(S6205)
Next, the rare decrease desired exchange rate correction unit 155b of the server 10 determines whether or not a predetermined decrease condition is satisfied, as in S6201 described above. If it is determined that the predetermined reduction condition is not satisfied (S6205; No), the process returns to step S6204. On the other hand, if it is determined that the predetermined reduction condition is satisfied (S6205; Yes), the process is step S620.
Proceed to 6.

(S6206)
Next, the reduction desired exchange rate correction unit 155b of the server 10 stores the already received exchange request (including the first exchange request and the second exchange request) recorded in the exchange request table stored in the storage unit 11. Among them, the exchange request for which the desired exchange rate has not been corrected is identified.

(S6207)
Next, the reduction desired exchange rate correction unit 155b of the server 10 refers to the second ledger and refers to S62.
The reduction rate of the quantity of the second value exchange medium associated with the user ID related to the exchange request specified in 06 is acquired.

(S6208)
Next, the reduction desired exchange rate modification unit 155b of the server 10
The desired exchange rate of the exchange request specified in S6206 is corrected so as to offset the decrease rate of the second value exchange medium acquired in S6207. For example, when the first desired exchange rate related to a certain first exchange request is 0.86, and the number of the second value exchange media associated with the user ID related to the first exchange request decreases by 3%, Since 0.86×(100+3)%=0.8858,
The desired exchange rate is revised to 0.8858. Further, for example, the second desired exchange rate relating to a certain second exchange request is 1.17, and the number of the second value exchange media associated with the user ID relating to the second exchange request has decreased by 3%. In this case, since 1.17×(100+3)%=1.2051, the second desired exchange rate is corrected to 1.2051. Note that, for example, the first desired exchange rate relating to a certain first exchange request is 0.96, and the number of second value exchange media associated with the user ID relating to the first exchange request has decreased by 5%. In the case, 0.96×(100+5)%=
Since it is 1.008, the first desired exchange rate is modified to 1.008. At this time, when the second exchange rate is, for example, 1.00, the first exchange request whose first desired exchange rate is corrected to 1.008 is the second exchange rate (in this case, If so, it can be contracted as a second market exchange request at 1.00).

(S6209)
Next, the reduction desired exchange rate modification unit 155b of the server 10
It is determined whether or not the desired exchange rate has been corrected for all the exchange requests already received. If it is determined that the desired exchange rate has not been corrected for all the exchange requests already received (S
6209; No), and the process returns to S6206. For all exchange requests already accepted,
If it is determined that the desired exchange rate has been corrected (S6209; Yes), the process ends.

(6-2-3-2) Limitation of Modification for Decreasing First Desired Exchange Rate The server 10 associates each user ID with the processing described in the above "(6-2-1) Basic flow of reduction". When the quantity of the obtained second value exchange medium decreases, the correction for decreasing the first desired exchange rate may be limited in a predetermined period (fluctuation suppressing period). FIG. 34 is a diagram illustrating an example of an operation flow of a restriction process of modification for reducing the first desired exchange rate. By this process, during the fluctuation suppressing period, the market exchange rate that once approaches the target exchange rate is prevented from fluctuating with the intention of the user and abruptly deviating from the target exchange rate in a short period. Note that the restriction process may be limited to the uncommitted first exchange request recorded in the exchange request table at the time when the above-described second value exchange medium reduction process is performed.

(S6210)
First, the decreasing desired exchange rate modification unit 155b of the server 10 receives a request for modifying the first desired exchange rate from the user terminal 20. The correction request may include, for example, information indicating a desired desired first desired exchange rate (corrected first desired exchange rate).

(S6211)
Next, the decreasing desired exchange rate correction unit 155b of the server 10 determines whether or not a predetermined switching condition is satisfied. The predetermined switching condition is a condition that defines the end of the fluctuation suppression period described above. For example, the predetermined switching condition may be that a predetermined fixed length period has elapsed. The length of the fixed length period is not particularly limited, and may be any length, and may be determined by voting of the user terminal 20 or the like. Further, for example, the predetermined switching condition may be that the above-mentioned extra rate (ratio of the market exchange rate to the target exchange rate) has reached a predetermined threshold value. Here, the value of the predetermined threshold value is not particularly limited and may be an arbitrary value. The value of the predetermined threshold may be equal to or less than the above-described extra lower limit value.

(S6212)
When it is determined in step S6211 that the predetermined switching condition is satisfied (S621)
1; Yes), the decreasing desired exchange rate correction unit 155b of the server 10 corrects the first desired exchange rate in the exchange request table, and the process ends.

(S6213)
When it is determined in step S6211 that the predetermined switching condition is not satisfied (S62)
11; No), the decrease desired exchange rate correction unit 155b of the server 10 indicates that the correction content related to the correction request is in the direction in which the first desired exchange rate decreases ("(6-2-1) basic flow of decrease". Due to the decrease in the number of second value exchange media linked to each user ID by the process described, “(6
2-3-1) Correction of desired exchange rate”, it is determined whether the first desired exchange rate corrected by the process described above is in the direction of returning to the first desired exchange rate in the state before correction). To do. When it is determined that the first desired exchange rate is not in the decreasing direction (S6213; No), the process is step S6.
Proceeding to 212, the decrease desired exchange rate correction unit 155b of the server 10 corrects the first desired exchange rate in the exchange request table, and the process ends.

(S6214)
When it is determined in step S6213 that the first desired exchange rate is in the decreasing direction (
(S6213; Yes), the decrease desired exchange rate correction unit 155b of the server 10 executes a predetermined limiting process for limiting the correction of the first desired exchange rate. Here, the predetermined restriction processing is, for example, not executing the correction processing of the first desired exchange rate at all and executing the correction processing of the first desired exchange rate which is not according to the correction request received in S6210 (for example, The first desired exchange rate recorded in the exchange request table may be corrected to a value larger than the corrected first desired exchange rate received in S6210). Further, the predetermined restriction process may be, for example, a process of notifying the user terminal 20 that the modification of the first desired exchange rate is restricted. This is the end of the process.

(6-2-3-3) Fixed exchange rate The server 10 is associated with each user ID through the series of processes described in the above-mentioned “(6-2) Reduction of the number of second value exchange media”. When the quantity of the second value exchange medium is reduced, the exchange request received from the user terminal 20 may be contracted according to the target exchange rate in a predetermined period (fixed exchange period).

The first fixed exchange request generation unit 156a of the server 10 may, for example, use the above-described target exchange rate (first
With the target exchange rate), the first fixed exchange request for exchanging (debt issuance) the first value exchange medium for the second value exchange medium is infinitely generated. Then, the first contract processing unit 154a of the server 10 identifies the second exchange request satisfying a predetermined contract condition among the second exchange requests included in the exchange request table, and executes the contract process. Specifically, when there is a second exchange request in which the second desired exchange rate is equal to or lower than the target exchange rate (first target exchange rate), there is a second exchange request. Execution processing between the request and the first fixed exchange request is executed at the target exchange rate (first target exchange rate), with the request as the execution target satisfying the predetermined first execution condition. Further, regarding the second exchange request of the market as well, the contract processing with the first fixed exchange request is immediately executed at the target exchange rate (first target exchange rate) as a contract target satisfying the predetermined first contract condition.

In the contract processing, the first contract processing unit 154a of the server 10 updates, for example, the first ledger and the debt issuance table. First, the first contract processing unit 154a of the server 10
It is the first update information for updating the first ledger, and is associated with the user ID related to the second exchange request, and the target exchange rate (second (1 target exchange rate) to generate a record as first update information for issuing the first value exchange medium in a quantity. Then, the first contract processing unit 154a of the server 10 updates the first ledger by adding the record to the first ledger.

Further, the first contract processing unit 154a of the server 10 updates the debt issuance table by adding the issued quantity of the first value exchange medium to the debt issuance quantity of the debt issuance table as the debt issuance amount. As a result, the first value exchange medium is issued as a debt.

Furthermore, the first contract processing unit 154a of the server 10 sends the second value exchange medium associated with the user ID related to the second exchange request that has been contracted, to the server, in addition to the debt issuance of the first value exchange medium. The process of transferring to the server ID (administrator ID) of 10 is executed. Specifically, the first contract processing unit 154a of the server 10 is the second update information for updating the second ledger, and stores the second value exchange medium of the quantity according to the second exchange request. 2 User I concerning the exchange request
A transaction as second update information for transferring from D to the server ID (administrator ID) of the server 10 is generated. Then, the first contract processing unit 154a of the server 10 broadcasts the transaction in the value exchange medium distribution network. Then, the transaction is taken into the block chain of each node, so that the second
The ledger is updated.

The second fixed exchange request generation unit 156b of the server 10, for example, the target exchange rate (second
At the target exchange rate), the second fixed exchange request for exchanging (offset purchase) the second value exchange medium owned by itself is infinitely generated. The second fixed exchange request generation unit 156b of the server 10 generates the second fixed exchange request for the debt issuance balance recorded in the debt issuance table instead of infinitely generating the second fixed exchange request. You may. Then, the second contract processing unit 154b of the server 10 among the first exchange requests included in the exchange request table,
The first exchange request satisfying the predetermined second contract condition is specified, and the contract process is executed. In particular,
If there is a first exchange request in which the first desired exchange rate is the same as the target exchange rate (second target exchange rate) or higher than the target exchange rate (second target exchange rate), the first exchange request is set to the predetermined first exchange rate. As a contract target satisfying the second contract condition, the contract process with the second fixed exchange request is executed at the target exchange rate (second target exchange rate). Further, the contract processing with the second fixed exchange request is immediately executed at the target exchange rate (second target exchange rate) as the contract target satisfying the second predetermined contract condition for the first exchange request of the market.

In the contract processing, the second contract processing unit 154b of the server 10 updates, for example, the first ledger and the debt issuance table. First, the second contract processing unit 154b of the server 10
It is the first update information for updating the first ledger, and the user ID of the first value exchange medium of the quantity related to the first exchange request, which is associated with the user ID related to the first exchange request.
The first update information having the content for canceling the association with is generated. The first update information may be, for example, the content of erasing the record itself of the first value exchange medium of the quantity associated with the user ID in the first ledger. Alternatively, the first update information may have a content in which the holder information (the user ID information to be linked) of the first value exchange medium of the number linked to the user ID in the first ledger is blank. .. Then, the second contract processing unit 15 of the server 10
4b updates the first ledger with the first update information. At this time, the first value exchange medium held by the user may be preferentially canceled from the first value exchange medium having the closest scheduled date of cancellation.

Furthermore, the second contract processing unit 154b of the server 10 is the first that cancels the association with the user ID.
The debt issuance table is updated by adding the quantity of the value exchange medium to the offset purchase quantity of the debt issuance table as the offset purchase for the debt issuance. As a result, the first value exchange medium is offset and purchased.

Further, the second contract processing unit 154b of the server 10 transfers the second value exchange medium held by itself to the user ID related to the first exchange request, together with the offset purchase of the first value exchange medium. Execute. Specifically, the second contract processing unit 154b of the server 10 is the second update information for updating the second ledger, and indicates the quantity of the first value exchange medium related to the first exchange request as the second market price. A transaction is generated as second update information for transferring the amount of the second value exchange medium divided by the exchange rate from the server ID (administrator ID) of the server 10 to the user ID of the first exchange request. .. Then, the second contract processing unit 154b of the server 10 broadcasts the transaction in the value exchange medium distribution network. Then, the second ledger is updated by incorporating the transaction into the block chain of each node.

(7) Simultaneous settlement between different currencies In the present embodiment, the server 10 responds to the reference request for the paid consumption value belonging to the type II of the user terminal 20 or the reference request for the paid exchange value belonging to the type III of the user terminal 20. The first as a consideration for the acquisition of the paid consumption value or the acquisition of the paid exchange value on
When displaying the quantity of the value exchange medium, the quantity of the second value exchange medium as a consideration may be displayed in addition to or in place of the quantity of the first value exchange medium. Specifically, for example, the server 10 is required to obtain the quantity of the first value exchange medium by the second exchange from the first market exchange rate generated by the first market exchange request generation unit 153a. It is advisable to specify the quantity of the two-value exchange medium and send to the user terminal 20 a notification (which may include an EST settlement request) that the specified quantity of the second value exchange medium can be paid. The notification is, for example, a second value exchange medium quantity, a settlement request, and a second exchange request at the first exchange rate, and an execution request relating to the act of acquiring a paid consumption value belonging to type II, or belonging to type III. It may include a paid exchange value use request relating to acquisition of a paid exchange value. Subsequently, when the server 10 receives the EST settlement request from the user terminal 20 (transmits and receives depending on the user's selection of execution), the first contract processing unit 154a causes the first exchange rate at the first exchange rate included in the EST execution request. 2 Complete the deal processing of the exchange request. After that, the server 10 may settle the debt-issued first value exchange medium by a predetermined process related to acquisition of the paid consumption value belonging to the type II or the paid exchange value belonging to the type III.

By doing so, it becomes possible to reduce the time and effort required for the user to make a payment, and at the same time, the currency (value) distribution speed is increased. In addition, by doing so, the second value exchange medium distributed only in the blockchain network (second network)
It may be possible to circulate as a de facto means of payment in the network.

By this measure, the debt issuance balance is expected to increase, and at the same time, the second value exchange medium (as a custody asset) of the server can also increase. Further, the number of first value exchange media acquired by the free exchange value providing user or the paid exchange value providing user may increase. Then, with the increase in the offset purchase quantity of the server, the second value exchange medium (as a deposit asset) of the server is eventually transferred to the free exchange value providing user or the paid exchange value providing user. From this,
The acceleration effect of the distribution speed of the second value exchange medium may be exerted together with the acceleration of the distribution speed of the first value exchange medium.

In addition to the effect of “providing a value exchange medium whose unit exchange value can be controlled” according to the present embodiment, the following effects can be expected, for example.
-The unit exchange value of the provided value exchange medium can be stabilized.
-The distribution speed of the provided value exchange medium can be improved.
-The economic value included in the free exchange value can be quantified.
・The distribution speed of value (exchange value) can be improved.
・If the unit exchange value of the provided value exchange medium is devalued, the total amount of currency circulation will increase (
Value exchange media will be newly issued),
The value of the entire value exchange medium held as an asset does not decrease. Also,
Substantial debt size can be reduced. Also,
If the increase target (new issue target) is biased toward the purchasing power side, it is possible to cause a tax on deductible currency such as a substantial asset tax.
Further, if the target of increase (target of new issuance) is concentrated on the purchasing power side, the currency circulation speed can be further improved.
Also, wealth and debt reallocation can be optionally implemented.

Although the preferred embodiments of the present invention have been described above, the present invention is not limited to the above-described embodiments, and may be implemented in various other forms without departing from the scope of the present invention. You can Further, the processing steps of the various functional units of the present invention are not limited to the aspects of the above-described embodiment, and the effects of the present invention can be exhibited by various combinations. Further, for example, by incorporating a technique conventionally known by a person skilled in the art into a part of the functional unit, the processing steps illustrated in the above-described embodiment may be modified to exert the effect of the present invention. Further, the order of the above-described processing steps can be arbitrarily changed or executed in parallel within a range in which the processing content does not conflict. Further, other steps may be added between each processing step. Further, any step may be excluded from each processing step and executed. Further, the steps described as one step may be executed by being divided into a plurality of steps, and the steps described as a plurality of steps may be grasped as one step.

1... Exchange medium distribution system, 10... Server, 11... Storage unit, 12... First value exchange medium management unit, 121... Value processing unit, 122... Free exchange value evaluation unit, 123... Evaluation issuing unit, 124...
Remittance processing unit, 125... Settlement processing unit, 126... Cancellation processing unit, 127... Evaluation correction unit, 128...
Second economic activity processing unit, 13... Second value exchange medium management unit, 131... Smart contract unit, 131a... Market exchange rate acquisition unit, 131b... Increase condition determination unit, 131c... Increase execution unit, 1
31d... Decrease condition judging unit, 131e... Decrease executing unit, 132... Credit issuing unit, 132a... Accepting unit, 132b... Update information generating unit, 132c... Judgment unit, 14... Account management unit, 15... Exchange office management unit, 151 ... market exchange rate calculation unit, 152a... first exchange request reception unit, 152b... second exchange request reception unit, 153a... first market exchange request generation unit, 153b... second market exchange request Makoto Seibu, 154a... first contract Condition part, 154b... Second contract condition part, 155a... Increase desired exchange rate correction part, 155b... Decrease desired exchange rate correction part, 156a... First fixed exchange request generation part,
156b...Second fixed exchange request generation unit, 20, 20A, 20B, 20C, 20D... User terminal, 21... Storage unit, 22... First value exchange medium processing unit, 221,... Value registration processing unit, 222...
Money transfer unit, 223... Second economic activity processing unit, 224... Value utilization unit, 225... Basic score correction requesting unit, 23... Second value exchange medium processing unit, 231... Smart contract unit, 231a... Market exchange rate acquisition unit, 231b...increase condition determination unit, 231c...increase execution unit, 231d...decrease condition determination unit, 231e...reduction execution unit, 232...credit issuing unit, 232a...reception unit, 232b...
Update information generation unit, 232c... Judgment unit, 24... Account processing unit, 25... Exchange request processing unit,
251... First exchange request processing unit, 252... Second exchange request processing unit, 26... Display processing unit, 100
... information processing device, 101... processor, 102... memory, 103... storage, 104...
Input/output interface (input/output I/F), 105... Communication interface (communication I/F),
300A... Value registration information input screen, 300B... Issuance information display screen, 300C... Remittance instruction input screen, 300D... Remittance notification screen, 300E... Usage information display screen, X, X1, X2... Wallet management application

Claims (61)

A first value exchange medium and a second value exchange medium that can be associated with user identification information are distributed,
A system including a plurality of information processing devices connected to each other so that they can communicate with each other,
The first value exchange medium and the second value exchange medium are exchangeable among a plurality of user identification information,
The first value exchange medium is based on the operation information of the information processing device that acquires the first economic value set not to receive the first value exchange medium as a consideration for the transfer between the plurality of user identification information. Issued,
The system, wherein the second value exchange medium increases or decreases according to a market rate of an exchange rate between the first value exchange medium and the second value exchange medium. The first value exchange medium is canceled by the action of extracting the second economic value generated in the system,
The system of claim 1. The first predetermined quantity of the first value exchange medium issued based on the operation information of the information processing apparatus that acquires the first economic value is an act of extracting the second economic value generated in the system. Determined based on a second predetermined quantity of the first value exchange medium to be canceled by
The system according to claim 2. The first value exchange medium will be canceled upon the arrival of a predetermined time limit,
The system according to any one of claims 1 to 3. The second value exchange medium is credit-issued in response to a credit issuance request based on the magnitude of the value of the asset represented by the number of the second value-exchange medium linked to the user identification information.
The system according to any one of claims 1 to 4. A computer for managing the exchange of the first value exchange medium linked to the user identification information and recorded in the first ledger and the second value exchange medium linked to the user identification information and recorded in the second ledger is executed. Method,
The first value exchange medium and the second value exchange medium can be arbitrarily exchanged among a plurality of user identification information,
The first value exchange medium is issued based on an evaluation of the free exchange value transferred between the plurality of user identification information,
In the second value exchange medium, the market exchange rate, which is a market price of a desired exchange rate that is an exchange rate between the first value exchange medium and the second value exchange medium desired by the user, is the target of the first exchange rate. When the target exchange rate, which is the exchange rate between the value exchange medium and the second value exchange medium, changes by a predetermined rate, the change amount changes by a predetermined amount so as to offset at least a part of the changed amount,
The method comprises:
A first for exchanging the first value exchange medium with the second value exchange medium at a first desired exchange rate;
A step of accepting the exchange request,
A second method for exchanging the second value exchange medium with the first value exchange medium at a second desired exchange rate.
A step of accepting the exchange request,
A first for exchanging the first value exchange medium with the second value exchange medium at the market exchange rate;
Generating a quote exchange request,
A second for exchanging the second value exchange medium with the market exchange rate for the first value exchange medium;
Generating a quote exchange request,
A first exchange between the first exchange request and the second exchange request satisfying a predetermined first contract condition;
Executing the execution process,
A second exchange between the second exchange request and the first exchange request satisfying a predetermined second contract condition.
Executing the execution process,
How to do. The step of executing the first contract process is first update information for updating the first ledger, and the second value exchange medium relating to the second exchange request satisfying the predetermined first contract condition. And generating the first update information for issuing the first value exchange medium in a quantity obtained by multiplying the quantity by the market exchange rate in association with the user identification information related to the second exchange request.
The method of claim 6. The step of executing the first contract process further includes first update information for updating the first ledger, and the second value relating to the second exchange request satisfying the predetermined first contract condition. Generating second update information for transferring the second value exchange medium in the number of exchange media from the user identification information related to the second exchange request to the management identification information related to the computer,
The method according to claim 7. The step of executing the second contract process is another piece of first update information for updating the first ledger, and is the first quantity of the first exchange request that satisfies the predetermined second contract condition. 1
For the first value exchange medium that is a value exchange medium and is associated with the user identification information related to the first exchange request, generates other first update information for canceling the association with the user identification information. Including the steps to
The method according to claim 6 or 7. The step of executing the second contract process further includes second update information for updating the second ledger, and the first value relating to the first exchange request satisfying the predetermined second contract condition. Second update information for transferring the quantity of the second value exchange medium obtained by dividing the quantity of the exchange medium by the market exchange rate to the user identification information related to the first exchange request from the management identification information related to the computer. Including the step of generating,
The method according to claim 9. In the computer,
When the number of the second value exchange media associated with each user identification information increases in response to the satisfaction of a predetermined increase condition, the first desired exchange rate relating to the accepted first exchange request is set. The second desired exchange modified so as to offset the increase rate of the quantity of the second value exchange medium associated with the user identification information related to the first exchange request, and the received second exchange request related to the second exchange request. An increase-time correction step of correcting the rate so as to offset the increase rate of the quantity of the second value exchange medium associated with the user identification information related to the second exchange request,
When the quantity of the second value exchange medium associated with each user identification information is reduced in response to the satisfaction of a predetermined reduction condition, the first desired exchange rate relating to the accepted first exchange request is set. The second desired exchange related to the received second exchange request corrected so as to offset the decrease rate of the quantity of the second value exchange medium associated with the user identification information related to the first exchange request. A reduction time correction step of correcting the rate so as to offset the reduction rate of the quantity of the second value exchange medium associated with the user identification information related to the second exchange request,
To run,
The method according to any one of claims 6 to 10. The increasing-time correction step requires a correction to increase the second desired exchange rate until the predetermined switching condition is satisfied after the number of the second value exchange media linked to each user identification information increases. Including the step of limiting
The reducing-time correction step is a correction for decreasing the first desired exchange rate until the predetermined switching condition is satisfied after the number of the second value exchange media linked to each user identification information decreases. Including the step of limiting the request,
The method according to claim 11. In the computer,
A first for exchanging the first value exchange medium with the second value exchange medium at the target exchange rate;
Generating a fixed exchange request,
A second method for exchanging the second value exchange medium with the first value exchange medium at the target exchange rate.
Generating a fixed exchange request,
Is a method of executing
Until the predetermined switching condition is satisfied after the predetermined increase condition or the predetermined decrease condition is satisfied, in the step of executing the first contract processing, the first fixed exchange is performed from the first market exchange request. The request is prioritized, the contract process with the second exchange request satisfying the predetermined first contract condition is executed, and in the step of executing the second contract process, the second market exchange request is followed by the second exchange process. The fixed exchange request is prioritized, and the contract process with the first exchange request satisfying the predetermined second contract condition is executed.
The method according to claim 11 or 12. The predetermined switching condition includes at least that a predetermined period has elapsed,
The method according to claim 12 or 13. The predetermined switching condition includes at least that a premium rate which is a ratio of the market exchange rate to the target exchange rate has reached a predetermined threshold value,
The method according to claim 12 or 13. The predetermined increase condition is that the extra rate has reached a predetermined upper limit value, the predetermined threshold value is equal to or more than the predetermined upper limit value,
The method according to claim 15. The predetermined decrease condition is that the premium rate has reached a predetermined lower limit value,
The predetermined threshold value is less than or equal to the predetermined lower limit value,
The method according to claim 15. The exchange rate is
A first desired exchange rate relating to a first exchange request for exchanging the first value exchange medium with the second value exchange medium at a first desired exchange rate;
A second desired exchange rate relating to a second exchange request for exchanging the second value exchange medium with the first value exchange medium at a second desired exchange rate,
Is determined based on
A method according to any one of claims 6 to 17. The market exchange rate is a weighted average of at least one first desired exchange rate and at least one second desired exchange rate,
The method of claim 18. The exchange rate is
A highest first desired exchange rate which is the first desired exchange rate set to be the highest among at least one of the first desired exchange rates;
A lowest second desired exchange rate which is the second desired exchange rate set to the lowest of at least one of the second desired exchange rates;
Is determined based on
The method of claim 18. The market exchange rate is an average value of the highest first desired exchange rate and the lowest second desired exchange rate,
21. The method of claim 20. In the computer,
A step of accepting a request to issue a credit for the second value exchange medium for one piece of user identification information;
Update information for updating the second ledger, based on the value of the asset represented by the quantity of the second value exchange medium associated with the one user identification information relating to the request Generating update information for reliantly issuing the second value exchange medium in a certain quantity to the one user identification information;
To run,
A method according to any one of claims 6 to 21. In the computer,
Whether the balance of the second value exchange medium issued in credit for the one user identification information relating to the request exceeds the credit issuance limit quantity calculated based on the value of the asset. A method of executing the step of determining,
In the step of generating the update information, if the balance is determined to exceed the credit issuance limit quantity, the update information is not generated,
23. The method of claim 22. An information processing device for managing exchange of a first value exchange medium recorded in a first ledger in association with user identification information and a second value exchange medium recorded in a second ledger in association with user identification information. There
The first value exchange medium and the second value exchange medium can be arbitrarily exchanged among a plurality of user identification information,
The first value exchange medium is issued based on an evaluation of the free exchange value transferred between the plurality of user identification information,
In the second value exchange medium, the market exchange rate, which is a market price of a desired exchange rate that is an exchange rate between the first value exchange medium and the second value exchange medium desired by the user, is the target of the first exchange rate. When the target exchange rate, which is the exchange rate between the value exchange medium and the second value exchange medium, changes by a predetermined rate, the change amount changes by a predetermined amount so as to offset at least a part of the changed amount,
The information processing device,
A first for exchanging the first value exchange medium with the second value exchange medium at a first desired exchange rate;
A first exchange request reception unit that receives an exchange request,
A second method for exchanging the second value exchange medium with the first value exchange medium at a second desired exchange rate.
A second exchange request receiving unit that receives the exchange request;
A first for exchanging the first value exchange medium with the second value exchange medium at the market exchange rate;
A first market exchange request generation unit that generates a market exchange request,
A second for exchanging the second value exchange medium with the market exchange rate for the first value exchange medium;
A second market exchange request generation unit that generates a market exchange request,
A first exchange between the first exchange request and the second exchange request satisfying a predetermined first contract condition;
A first execution processing unit that executes execution processing;
A second exchange between the second exchange request and the first exchange request satisfying a predetermined second contract condition.
A second execution processing unit that executes execution processing;
An information processing apparatus comprising: For a computer for managing exchange of a first value exchange medium recorded in a first ledger in association with user identification information and a second value exchange medium recorded in a second ledger in association with user identification information A program,
The first value exchange medium and the second value exchange medium can be arbitrarily exchanged among a plurality of user identification information,
The first value exchange medium is issued based on an evaluation of the free exchange value transferred between the plurality of user identification information,
In the second value exchange medium, the market exchange rate, which is a market price of a desired exchange rate that is an exchange rate between the first value exchange medium and the second value exchange medium desired by the user, is the target of the first exchange rate. When the target exchange rate, which is the exchange rate between the value exchange medium and the second value exchange medium, changes by a predetermined rate, the change amount changes by a predetermined amount so as to offset at least a part of the changed amount,
The program, the computer,
A first for exchanging the first value exchange medium with the second value exchange medium at a first desired exchange rate;
A first exchange request reception unit that receives an exchange request,
A second method for exchanging the second value exchange medium with the first value exchange medium at a second desired exchange rate.
A second exchange request receiving unit that receives the exchange request;
A first for exchanging the first value exchange medium with the second value exchange medium at the market exchange rate;
A first market exchange request generation unit that generates a market exchange request,
A second for exchanging the second value exchange medium with the market exchange rate for the first value exchange medium;
A second market exchange request generation unit that generates a market exchange request,
A first exchange between the first exchange request and the second exchange request satisfying a predetermined first contract condition;
A first execution processing unit that executes execution processing;
A second exchange between the second exchange request and the first exchange request satisfying a predetermined second contract condition.
A second execution processing unit that executes execution processing;
Program to function as. A computer, which is a node of a network, in which a first value exchange medium linked to user identification information and recorded in a first ledger and a second value exchange medium linked to user identification information and recorded in a second ledger are distributed,
Acquiring a market exchange rate that is a market price of a desired exchange rate that is an exchange rate between the first value exchange medium and the second value exchange medium desired by a user;
Determining whether or not a predetermined increase condition related to the market exchange rate is satisfied,
When it is determined that the predetermined increase condition is satisfied, the second value exchange medium that is the second update information for updating the second ledger and is associated with at least one user identification information is predetermined. An increasing execution step of generating the second update information for increasing the increasing number of
How to do. The predetermined increase condition is that a premium rate that is a ratio of the market exchange rate to a target exchange rate that is a target exchange rate between the first value exchange medium and the second value exchange medium reaches a predetermined upper limit value. And at least one of the fact that the increase rate or the decrease rate is greater than 1 when a predetermined period has elapsed since the increase execution step or the decrease execution step was executed.
27. The method of claim 26. The predetermined increase quantity is determined based on at least the quantity of the second value exchange medium possessed by the at least one user identification information.
The method of claim 27. The predetermined increase quantity is a value obtained by multiplying the possessed quantity by (arrival premium rate-1 which is the premium rate when the predetermined increase condition is satisfied).
The method of claim 28. The predetermined increase quantity is based on at least the holding quantity and a distribution contribution rate which is a ratio of a contribution degree of the at least one user identification information to a currency distribution speed of the second value exchange medium in the network. Is determined by
The method of claim 28. The predetermined increase quantity is a value obtained by multiplying the possessed quantity by (arrival surcharge rate-1 which is the surcharge rate at the time when the predetermined increase condition is satisfied) and the distribution contribution rate.
31. The method of claim 30. The distribution contribution rate is defined by the following equation (1),
The method according to claim 30 or 31.
(1) Distribution Contribution Rate=Individual Currency Transfer Rate/Reference Currency Transfer Rate where:
Individual currency transfer rate=transfer quantity of the second value exchange medium in a predetermined period/holding quantity of the second value exchange medium at the end of the predetermined period,
Reference currency transfer rate=transfer quantity of all the second value exchange media in the predetermined period/quantity of all the second value exchange media The predetermined increase quantity is determined based on at least a movement evaluation value that is an evaluation value related to movement of the second value exchange medium according to the at least one user identification information,
The method of claim 27. The predetermined increase quantity is a value obtained by multiplying the following equation (1) by the equation (2),
34. The method of claim 33.
(1) A value obtained by multiplying the total amount of the second value exchange medium included in the network by (arrival premium rate-1 which is the premium rate when the predetermined increase condition is satisfied). (2) In the network Ratio of the movement evaluation value related to the at least one user identification information to the total movement evaluation value related to all included user identification information An information processing device which is a node of a network in which a first value exchange medium associated with user identification information and recorded in a first ledger and a second value exchange medium associated with user identification information and recorded in a second ledger are distributed. And
A market exchange rate acquisition unit that acquires a market exchange rate that is a market rate of a desired exchange rate that is an exchange rate between the first value exchange medium and the second value exchange medium desired by a user;
An increase condition determination unit that determines whether or not a predetermined increase condition related to the market exchange rate is satisfied,
When it is determined that the predetermined increase condition is satisfied, the second value exchange medium that is the second update information for updating the second ledger and is associated with at least one user identification information is predetermined. An increase execution unit that generates the second update information that increases the increase quantity of
An information processing apparatus comprising: A computer, which is a node of a network, in which a first value exchange medium linked to user identification information and recorded in a first ledger and a second value exchange medium linked to user identification information and recorded in a second ledger are distributed,
A market exchange rate acquisition unit that acquires a market exchange rate that is a market rate of a desired exchange rate that is an exchange rate between the first value exchange medium and the second value exchange medium desired by a user;
An increase condition determination unit that determines whether or not a predetermined increase condition related to the market exchange rate is satisfied,
When it is determined that the predetermined increase condition is satisfied, the second value exchange medium that is the second update information for updating the second ledger and is associated with at least one user identification information is predetermined. An increase execution unit that generates the second update information that increases the increase quantity of
Program to function as. A computer, which is a node of a network, in which a first value exchange medium linked to user identification information and recorded in a first ledger and a second value exchange medium linked to user identification information and recorded in a second ledger are distributed,
Acquiring a market exchange rate that is a market price of a desired exchange rate that is an exchange rate between the first value exchange medium and the second value exchange medium desired by a user;
Determining whether or not a predetermined reduction condition related to the market exchange rate is satisfied,
When it is determined that the predetermined reduction condition is satisfied, the second value exchange medium which is the second update information for updating the second ledger and which is associated with at least one user identification information is predetermined. A reduction execution step of generating the second update information for reducing the reduction quantity by
How to do. The predetermined decrease condition is that a premium rate, which is a ratio of the market exchange rate to a target exchange rate that is a target exchange rate between the first value exchange medium and the second value exchange medium, is a predetermined lower limit value. And at least one of the fact that the premium rate is less than 1 when a predetermined period of time has passed after the decrease execution step or the increase execution step is executed,
38. The method of claim 37. The predetermined reduction quantity is determined based on at least the holding quantity of the second value exchange medium related to the at least one user identification information,
39. The method of claim 38. 40. The method according to claim 39, wherein the predetermined reduction quantity is a value obtained by multiplying the possessed quantity by (1-the reaching premium rate which is the premium rate when the predetermined reduction condition is satisfied). The predetermined reduction quantity is based on at least the holding quantity and a distribution contribution rate which is a ratio of a contribution degree of the at least one user identification information to a currency distribution speed of the second value exchange medium in the network. Is determined by
40. The method of claim 39. The predetermined reduction quantity is a value obtained by multiplying the possessed quantity by (1-the reaching surcharge rate which is the surcharge rate at the time when the predetermined reduction condition is satisfied) and (1/the distribution contribution rate). Is
The method of claim 41. The distribution contribution rate is defined by the following equation (1),
The method according to claim 41 or 42.
(1) Distribution Contribution Rate=Individual Currency Transfer Rate/Reference Currency Transfer Rate where:
Individual currency transfer rate=transfer quantity of the second value exchange medium in a predetermined period/holding quantity of the second value exchange medium at the end of the predetermined period, and reference currency transfer rate=all the second values in the predetermined period. Transfer quantity of exchange media/quantity of all the second value exchange media An information processing device which is a node of a network in which a first value exchange medium associated with user identification information and recorded in a first ledger and a second value exchange medium associated with user identification information and recorded in a second ledger are distributed. And
A market exchange rate acquisition unit that acquires a market exchange rate that is a market rate of a desired exchange rate that is an exchange rate between the first value exchange medium and the second value exchange medium desired by a user;
A decrease condition determination unit that determines whether or not a predetermined decrease condition related to the market exchange rate is satisfied,
When it is determined that the predetermined reduction condition is satisfied, the second value exchange medium which is the second update information for updating the second ledger and which is associated with at least one user identification information is predetermined. A reduction execution unit that generates the second update information that reduces the reduction quantity by
An information processing apparatus comprising: A computer, which is a node of a network, in which a first value exchange medium linked to user identification information and recorded in a first ledger and a second value exchange medium linked to user identification information and recorded in a second ledger are distributed,
A market exchange rate acquisition unit that acquires a market exchange rate that is a market rate of a desired exchange rate that is an exchange rate between the first value exchange medium and the second value exchange medium desired by a user;
A decrease condition determination unit that determines whether or not a predetermined decrease condition related to the market exchange rate is satisfied,
When it is determined that the predetermined reduction condition is satisfied, the second value exchange medium which is the second update information for updating the second ledger and which is associated with at least one user identification information is predetermined. A reduction execution unit that generates the second update information that reduces the reduction quantity by
Program to function as. A computer, which is a node of a network in which the first value exchange medium recorded in the first ledger in association with the user identification information is distributed,
A first predetermined amount of first value exchange media based on the operation information of the node that acquires the first economic value, which is set not to receive the first value exchange media, as a consideration for the transfer between a plurality of user identification information. Issuing step,
Erasing a second predetermined amount of the first value exchange medium based on the act of extracting the second economic value generated from the network.
The method wherein the first predetermined quantity is determined based on the second predetermined quantity. The first predetermined quantity is determined based on the second predetermined quantity such that the total quantity of the first predetermined quantity in a predetermined period becomes equal to the total quantity of the second predetermined quantity in the predetermined period.
The method of claim 46. The first predetermined quantity is further determined based on an evaluation score calculated based on the motion information,
48. The method of claim 47. The first predetermined quantity is a value obtained by multiplying the evaluation score by a ratio of a total quantity of the second predetermined quantity to a total quantity of the evaluation scores generated in the predetermined period in the network.
49. The method of claim 48. The first predetermined quantity is corrected to reduce a difference between the first predetermined quantity and the second predetermined quantity.
The method of claim 46. The first predetermined quantity is determined based on an evaluation score calculated based on the operation information,
The method according to claim 46 or 50. The first predetermined quantity is further determined based on a coefficient for reducing a difference between the first predetermined quantity and the second predetermined quantity.
52. The method of claim 51. In the computer,
Executing a step of canceling the at least one first value exchange medium when a preset cancellation deadline has arrived for at least one first value exchange medium,
53. A method according to any one of claims 46 to 52. In the computer,
Receiving an exchange request for exchanging the second value exchange medium, which is recorded in the second ledger in association with the user identification information, with the first value exchange medium,
Issuing the first value exchange medium in response to the exchange request,
Method according to any one of claims 46 to 53. The step of issuing the first value exchange medium is based on a market exchange rate which is a market price of a desired exchange rate which is an exchange rate between the first value exchange medium and the second value exchange medium desired by a user. A third predetermined amount of the first value exchange medium is issued,
The method of claim 54. An information processing device which is a node of a network in which a first value exchange medium recorded in a first ledger in association with user identification information is distributed,
A first predetermined amount of first value exchange media based on the operation information of the node that acquires the first economic value, which is set not to receive the first value exchange media, as a consideration for the transfer between a plurality of user identification information. Issuing department to issue,
A cancellation unit for canceling a second predetermined amount of the first value exchange medium based on the act of extracting the second economic value generated from the network,
The information processing apparatus, wherein the first predetermined quantity is determined based on the second predetermined quantity. A computer, which is a node of a network in which the first value exchange medium recorded in the first ledger in association with the user identification information is distributed,
A first predetermined amount of first value exchange media based on the operation information of the node that acquires the first economic value, which is set not to receive the first value exchange media, as a consideration for the transfer between a plurality of user identification information. Issuing step,
A program for executing a step of erasing a second predetermined amount of the first value exchange medium based on the act of extracting the second economic value generated from the network,
The program, wherein the first predetermined quantity is determined based on the second predetermined quantity. A computer, which is a node of a network in which the first value exchange medium recorded in the first ledger in association with the user identification information is distributed,
Acquiring a first economic value set not to receive the first value exchange medium as a consideration for the transfer between a plurality of user identification information,
Transmitting the operation information in the step of acquiring the first economic value to an information processing device that manages the first ledger,
Accepting from another information processing device an action of extracting the second economic value generated from the network with the consumption of the first value exchange medium in association with the step of acquiring the first economic value;
How to do. In the computer,
In association with the step of acquiring the first economic value, a step of not accepting from another information processing device an action of extracting the second economic value generated from the network with the consumption of the first value exchange medium is executed. ,
59. The method of claim 58. An information processing device which is a node of a network in which a first value exchange medium recorded in a first ledger in association with user identification information is distributed,
An acquisition unit for acquiring the first economic value set not to receive the first value exchange medium as a consideration for the transfer between the plurality of user identification information;
A transmission unit that transmits the operation information in the step of acquiring the first economic value to an information processing device that manages the first ledger;
A receiving unit that receives, from another information processing device, an action of extracting the second economic value generated from the network with the consumption of the first value exchange medium, in association with the step of acquiring the first economic value. Information processing device. A computer, which is a node of a network in which the first value exchange medium recorded in the first ledger in association with the user identification information is distributed,
Acquiring a first economic value set not to receive the first value exchange medium as a consideration for the transfer between a plurality of user identification information,
Transmitting the operation information in the step of acquiring the first economic value to an information processing device that manages the first ledger,
A step of accepting from another information processing device an action of extracting the second economic value generated from the network with the consumption of the first value exchange medium in association with the step of acquiring the first economic value. program.

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