JP2020140400A - Electronic currency, program and electronic currency trading system - Google Patents

Abstract

To provide a novel digital money having a collection property.SOLUTION: An electronic currency can be traded between a consumer and a provider that handles a product or service as consideration for the product. The electronic currency has a plurality of ticket types that can be divided only by the minimum number of divisions and each of the ticket types is associated with a digital content corresponding to the electronic currency.SELECTED DRAWING: Figure 1

Description

The present invention relates to electronic currencies, programs and electronic currency trading systems.

There is known an electronic currency that is stored on an electronic device owned by a user and can be traded as a currency that can be used as a consideration for goods.
In such electronic currencies, electronic information that has the same amount as the amount deposited in advance in legal tender is generally given, and at the time of transaction, the value obtained by subtracting the value of the product from the amount is the balance. Save as.
In such an electronic currency, it was difficult to intuitively understand how much was used, and the feeling of use was different from that of cash. Moreover, it is hard to say that it has the same collection property as cash.

The present invention has been made in view of the above problems, and an object of the present invention is to provide a new electronic currency having collectability.

In order to solve the above-mentioned problems, the electronic currency according to the present invention is an electronic currency that can be traded between a consumer and a provider that handles a product or service as consideration for the product, and the electronic currency is It is characterized by having a plurality of ticket types that can be divided only by the minimum number of divisions, and each of the ticket types is associated with the digital content corresponding to the electronic currency.

According to the present invention, it is possible to provide a new electronic currency having a collectible property.

It is a conceptual diagram which shows an example of the structure of the electronic currency trading system in embodiment of this invention. It is a figure which shows an example of the screen composition of the display means in embodiment of this invention. It is a figure which shows an example of the face value of the electronic currency in this invention. It is a figure which shows an example of the operation of the electronic currency trading system shown in FIG. It is a figure which shows an example of the structure of the 2nd Embodiment in this invention.

As an embodiment of the present invention, FIG. 1 shows an example of the configuration of an electronic currency trading system using the electronic currency 50.
The electronic currency trading system 100 is a terminal 11P, 11Q, 11R of a user P who is a consumer, a member store Q which is a provider who sells products, and a currency exchange office R which is an issuer or distributor of electronic currency 50. It is an electronic trading system configured by connecting the above to each other via a network 9, and is a payment means capable of trading with goods using the electronic currency 50 as a currency.
The electronic currency trading system 100 is installed on the issuing means 10 as a currency issuing means for issuing the electronic currency 50 in a state in which it can be divided according to a predetermined minimum number of divisions, and the terminal 11P of the user P, and the electronic currency 50. When purchasing a product by presenting the app 12 as a storage means for storing the remaining amount of the product and the member store Q, the electronic currency 50 is withdrawn from the app 12 and the withdrawn electronic currency 50 and the product It has a change payment means 20 that pays the difference from the price as change of the electronic currency 50.
In the electronic currency trading system 100, the electronic currency 50 is stored in a distributed ledger system called a so-called blockchain, and the electronic currency 50 is a fungible token that can be replaced and a non-fan that cannot be replaced in this embodiment. It is represented by a series of character codes given as a composable non-fungible token combined with a gible token. The mechanism of such an electronic currency 50 will be described in detail later.
Here, the "fundable token" refers to a token that has an alternative value in the electronic currency 50 of the same standard and is compatible because the tokens have the same value.
On the other hand, the electronic currency 50 in the present embodiment has a data structure in which a unique non-substitutable content 51 is combined as a value in addition to the substitutable value shown as the face value 54 as described later. It can be said that it is a "non-fangible token (NFT)".

Each terminal 11P, 11Q, 11R, and issuing means 10 constituting the electronic currency trading system 100 are a CPU (Central Processing Unit), a main memory (MEM-P), and a north bridge (NB), which are not shown in the present embodiment, respectively. , A computer terminal having a south bridge (SB).
Each terminal 11P, 11Q, 11R, and issuing means 10 also has an HDD (Hard Disk Drive), a PCI bus, and a network I / F (not shown).

The CPU processes and calculates data according to a program expanded in the main memory, and controls the operation of each of the above-mentioned means. The main memory functions as a storage area for each terminal and stores programs and data for realizing each function. Alternatively, the program may be configured to record and provide a file in an installable or executable format on a computer-readable recording medium such as a CD-ROM, FD, CD-R, or DVD. ..

The HDD controls reading or writing of data according to the control of the CPU. The network I / F transmits / receives data between the terminals 11P, 11Q, and 11R via the communication network.
In the present embodiment, the issuing means 10 and the terminal 11R are used as servers, and in particular, the content 51 is stored on the HDD or the network disk on the terminal 11R, and the terminal 11P and the terminal 11Q are connected to the terminal 11R via the network 9, respectively. However, the present invention is not limited to such a configuration, and the hardware configuration of the electronic currency trading system 100 may be appropriately modified according to the purpose of the designed system.

As shown in FIG. 2, the electronic currency 50 has a plurality of ticket types having different minimum number of divisions that can be divided. For example, these ticket types can have a face value similar to that of legal tender banknotes and coins, or may have a completely different number of divisions.
The "minimum number of divisions that can be divided" here is the face value described in the ticket type, and is divided by the face value 54 corresponding to each ticket type from the balance of the electronic currency 50 stored in the application 12. It is the number that can be paid.
Specifically, when each ticket type, for example, a ticket type of 5000 yen and a ticket type of 1000 yen are stored as the balance in the application 12, the total balance displayed in the application 12 is calculated. It will be 6000 yen, and the minimum number of divisions will be 1000 yen and 5000 yen. The minimum number of divisions is unique to each predetermined ticket type issued by the issuing means 10, and is predetermined at the time of issuance.

The issuing means 10 may be a program that issues a predetermined number of electronic currencies 50 according to a face value 54 determined for each ticket type based on an instruction from an arbitrary issuer, or operates according to the program. It may be a computer.
As shown in FIG. 3A, the issuing means 10 is composed of the content 51 as digital content produced as digital data such as a picture or music, and the digital data of the content 51 as shown in FIG. 3B. A token having a data structure including the derived hash 52, the issuer information 53, and the face value 54, which is the unique minimum number of divisions set for each ticket type, is generated as the electronic currency 50.
The issuing means 10 stores the hash 52 peculiar to the content 51 as the URI address of the IPFS (InterPlanetary File System).
In this way, the electronic currency 50 is stored on the network 9 in a state where the face value 54 and the content 51 have a one-to-one correspondence by associating the face value 54 with the URI address.
The issuing means 10 may be performed by the terminal 11R of the exchange office R, or may be another terminal on the electronic currency trading system 100, and such arrangement may be appropriately changed according to the system design. ..

In the application 12, each ticket type of the electronic currency 50 stored by the user P is stored for each face value 54.
Further, the application 12 has a display function of taking out the stored URI of the content 51 from the meta data structure of the electronic currency 50 and displaying the URI.
The application 12 may have a UI for displaying each content 51 of the electronic currency 50 owned by the user P, or may have a format for displaying only the face value 54, and the display of the electronic currency 50 in the application 12 may be used. The method is not limited.
In addition, the application 12 can be used or used in transactions as described later, such as displaying the electronic currency 50 on the face of the ticket that cannot be used (the remaining number is zero) darker than the electronic currency 50 having a remaining number of 1 or more. It may be possible to clearly indicate whether it is impossible.

When the app 12 or the like connects to the member store Q via the network 9, the change payment means 20 confirms the consideration 55, which is the price of the product, and the face value 54 of the single or multiple electronic currencies 50 selected in the app 12. To do.
When the change payment means 20 receives the electronic currency 50, the change payment means 20 deducts the consideration 55 of the product sold at the member store Q from the total face value 54 of the electronic currency 50, and uses the deducted amount as change for each of the electronic currencies 50. It is disassembled into the face value 54 and paid.
The change payment means 20 may be a program arranged on the terminal so as to perform such an operation, or may be a terminal that operates by using such a program. Most preferably, it is a program installed on the terminal 11Q of the member store Q, and is a program capable of exchanging information with the application 12 by communication.

The operation of the system when making a payment using such an electronic currency trading system 100 and receiving change will be described with reference to FIG.
First, based on the request from the issuer, the issuing means 10 provisionally issues the electronic currency 50 having a face value 54 as a token (step S101).
The step S101 is a provisional issuance step of the electronic currency 50, and as already shown in FIG. 3, the issuing means 10 is composed of the content 51 produced as digital data such as a picture or music, and the digital data of the content 51. A token having a data structure including the derived hash 52, the issuer information 53, and the face value 54 which is the unique minimum number of divisions set for each ticket type is generated as the electronic currency 50.

Here, the "token" is a series of data structures expressed using, for example, alphanumeric characters and binary numbers, and is a digital that is transmitted and received between terminals 11 and can read the above-mentioned information embedded in the data structure. Refers to data.

In the present embodiment, deriving the hash 52 from the content 51 and recording the hash 52 in the "token" as readable information is referred to as "linking".
In other words, the issuing means 10 includes a defined means 13 that links the "token" as the data structure, which is the electronic currency 50 itself, with the content 51, which is the digital content.

The issuing means 10 stores the hash 52 peculiar to the content 51 as the URI address of the IPFS (InterPlanetary File System) (step S102). At this time, it may be stored anywhere in the network 9, or may be arranged on the terminal 11R with the terminal 11R as a server.
When the user P makes a deposit in legal tender or other money or electronic currency, the electronic currency 50 determined by the deposit amount is paid to the application 12 of the user P and saved (step S103).
The application 12 stores the balance of the deposited electronic currency 50 as the face value 54 and the number of electronic currencies 50 having the face value 54.

The application 12 reads the meta data as shown in FIG. 3 from the electronic currency 50 owned by the user P, and acquires the face value 54 and the number thereof (step S104). In step S104, the address of the content 51 or the like may be read and displayed on the screen of the application 12.
On the application 12 of the present embodiment, the user P can confirm the face value 54 and the number of electronic currencies 50, and further, the face value 54 and the corresponding content 51 can be confirmed. There is.
Specifically, the application 12 can access the content 51 from the hash 52 stored as the URI address in step S102. As described above, the application 12 has a function as a display means for displaying digital contents corresponding to different ticket types having a face value 54.
Further, since such an application 12 is generally installed on the terminal 11P which is the mobile terminal of the user P, such a display means also generally exists on the mobile terminal. It is not limited to the configuration.

When a user P who possesses such an electronic currency purchases a product using the electronic currency 50 at the member store Q, a network 9 is established between the terminal 11P of the user P and the terminal 11Q of the member store Q. Communicate via.
At this time, the terminal 11Q presents the consideration 55 for the product as a payment means (step S105).
On the application 12, the user P selects the ticket type of the electronic currency 50 to be used for payment so that the total value of the face value 54 is the number of the consideration 55 or more based on the consideration 55 presented from the terminal 11Q. (Step S106).
When all the ticket types to be paid are selected in step S105, the application 12 transmits the payment information to the terminal 11Q assuming that the electronic currency 50 is used, and the payment is settled (step S107).

In the payment settlement process in step S107, the transaction record is recorded on the blockchain of the electronic currency 50 via the application 12 or the terminal 11Q, and it is considered that the specified number of ticket types having the face value 54 are used in the application 12. ..
That is, of the total amount of the electronic currency 50 possessed by the user P, the used check is recorded for each of the ticket types selected in step S105 for the electronic currency 50 used for payment.
At this time, the terminal 11Q or the application 12 has a function as a payment means for making a payment by paying the electronic currency 50 for the consideration 55 of the product.

The change payment means 20 confirms the sum of the number of the consideration 55, which is the price of the purchased product, and the face value 54 of the single or plural electronic currencies 50 selected in the application 12, and calculates the change as the difference (step S108). ).
The change payment means 20 pays the difference calculated in step S107 to the application 12 using any one of the plurality of face value 54 ticket types possessed by the terminal 11Q (step S109).
At this time, the user P may select which ticket type (or digital content) to receive from the electronic currency 50 possessed by the terminal 11Q via the application 12, or may be randomly distributed. ..

Specifically, when buying a product with a consideration 55 of 3000 yen, if payment is made using a ticket type with a face value 54 of 10000 yen, the electronic currency 50 for 7000 yen is used for the face value 54 of 1000 yen. Two ticket types and one ticket type with a face value of 54 yen of 5,000 yen are paid as "change".
That is, the terminal 11Q subtracts the total amount corresponding to the consideration 55 of the transaction target from the total amount of the electronic currency 50 shown in the payment information received in step S107, and if there is a difference amount, the difference amount is a combination of any face value 54. It has a function as a processing unit that decides whether to return the money and performs payment processing related to payment.

When the change is paid in this way, the change payment means 20 records the transaction of the electronic currency 50 on the blockchain (step S110).
The application 12 acquires and displays the content 51 for the ticket type received as the paid "change".
The application 12 confirms whether or not there is another transaction (step S111), and when another transaction occurs, returns to step S104 and repeats the same process as a subroutine.

The most basic method of trading goods using the electronic currency 50 has been described above, but such payment may be made as consideration for the service.
Assuming that the content 51, which is the digital content, is linked to the face value 54 in this way, for example, the issuer K freely issues the electronic currency 50 linked to the digital content using his / her own copyrighted work. It becomes possible to do.
Further, since the hash 52 is included in the electronic currency 50 as a data structure, it is stored in a form associated with the content 51. Further, since the content 51 is arranged on the URI derived based on the hash 52, the content 51 can be obtained only by a series of data representing a specific ticket type of the electronic currency 50.

Further, since the data structure of the electronic currency 50 which is the source of the hash 52 includes the issuer information 53 which is the issuer information, the forgery of the content 51 can be suppressed.

By the way, in the conventional electronic currency trading system such as virtual currency, it is a premise to pay the same amount of electronic currency as the consideration.
However, in the present embodiment, by having the change payment means 20, not only the goods or services are provided by exchanging digital data, but also by receiving the "change", the electronic currency 50 which is not possessed is obtained. It is also possible to obtain the ticket types of the above through transactions.
In other words, in the present embodiment, in the transaction between the user P and the member store Q, the electronic currency trading system 100 does not have the consideration 55 and the face value 54 to be paid when paying the consideration 55 for the product (or service). It was caused by the first transaction by first conducting the first transaction, which is balanced and has a larger face value 54, and then the second transaction, which pays the difference between the consideration 55 and the face value 54 in the first transaction as change. Eliminate imbalances.
In this way, by associating the digital content with the face value 54 and providing the change payment means 20 for calculating "change" in the electronic currency 50 in the same manner as cash settlement, the electronic currency 50 itself is provided. It can generate collectible added value.
Further, such collectability has the effect of activating transactions using the electronic currency 50.

In the present embodiment, the electronic currency 50 is an electronic currency that can be traded between the user P and the member store Q that handles the goods or services as consideration 55 for the goods, and the electronic currency 50 is designated by the face value 54. It has a plurality of ticket types that can be divided only by the minimum number of divisions to be performed, and each of the ticket types is associated with the electronic currency 50 and the corresponding digital content 51.

Further, in the present embodiment, the ticket type is given a hash 52 assigned to each ticket type and a content 51 as digital content stored on the URI including the hash 52.
With such a configuration, since the content 51 and the face value 54 are linked, it is possible to add collectability to the electronic currency 50 and activate transactions using the electronic currency 50.

Further, in the present embodiment, the electronic currency 50 includes a check digit based on the hash 52 of the content 51.
With such a configuration, the electronic currency 50 having the issuer information other than the issuer can be played, so that the forgery of the electronic currency 50 is suppressed.

Further, in the present embodiment, the issuing means 10 includes a defined means 13 for associating the face value 54 with the content 51.
With this configuration, since the face value 54 and the content 51 are linked by the defining means 13 using the hash 52 or the like, the electronic currency 50 is distributed in a form including the content 51, and the electronic currency 50 is imparted with collectability. be able to.

Further, in the present embodiment, there is a recording means for recording the electronic currency 50 as an identifiable asset for each owner in the block chain.
With such a configuration, the electronic currency 50 can be recorded on the blockchain, which contributes to tampering prevention and the like.

Further, in the present embodiment, the application 12 has a function as a display means for recording the electronic currency 50 possessed by the user P for each face value 54 of the ticket type.
With such a configuration, the electronic currency 50 having the same face value 54 can be treated as a fancy token.

Further, in the present embodiment, the application 12 is provided as a display means for displaying the ticket type for each face value 54, and the application 12 has the ticket type when the quantity of the ticket type possessed by the user P becomes zero. The content 51 associated with is displayed so as to be distinguishable from the content 51 associated with a ticket type having a quantity of 1 or more.
With such a configuration, in the application 12, the consumed ticket type and the ticket type that has not been consumed can be specified, so that it is possible to easily select the ticket type and the face value 54 when receiving the content 51 as change, for example. ..
Further, in the present embodiment, the application 12 displays only the ticket types owned by the user P in the application 12 as the operation target as the ticket types that can be used for payment among the ticket types of the electronic currency 50. To do.
With such a configuration, it becomes impossible to pay for ticket types that are not possessed.

Further, as a second embodiment of the present invention, the electronic ticket management system 200 will also be described.
In the present embodiment, the user P'who purchases and consumes the electronic ticket 60, the administrator R'of the electronic ticket 60, and the user P'who confirms the electronic ticket 60 and purchases the electronic ticket 60 correctly. It is shown in FIG. 5 as a confirmer Q'to confirm that there is.

In the present embodiment, the issuing means 10 issues the electronic ticket 60 together with the electronic currency 50. The issuing means 10 issues each electronic ticket 60 as digital content by associating it with the electronic currency 50 by the same operation as the content 51 in the first embodiment.
That is, in the present embodiment, the issuing means 10 has a function as a defined means for associating the electronic ticket 60 and the electronic currency 50.

The user P'acquires the electronic currency 50 by depositing or purchasing the electronic currency 50 associated with the electronic ticket 60 via the application 12.

When the user P'visits a venue, for example, and reads the terminal 11Q'of the confirmer Q', the user P'pays the electronic currency 50 to the confirmer Q', thereby paying the service consideration 55. , The confirmer Q'gives admission to the terminal 11P'of the user P'.
By associating the electronic currency 50 with the electronic ticket 60 as in the present embodiment, it functions as a trading means of the electronic ticket 60.

Since the electronic ticket 60 is associated with the electronic currency 50 as digital contents, the electronic ticket 60 can be exchanged by purchasing the electronic currency 50.
Further, the confirmer Q'trades the electronic currency 50 using the terminal 11Q', so that the electronic ticket 60 remains accessible from the application 12 as a ticket stub, and the price for the electronic ticket 60 is charged. Payment can be made using the electronic currency 50.
Further, since the electronic currency 50 can include the issuer information as shown in FIG. 3, it can be confirmed that the electronic ticket 60 is a genuine ticket.

Although the preferred embodiment of the present invention has been described above, the present invention is not limited to such a specific embodiment, and unless otherwise specified in the above description, the present invention described in the claims. Various modifications and changes are possible within the scope of the above.

For example, in the present embodiment, the case where there is an issuer who issues electronic currency has been described, but a member store or a service provider may issue its own electronic currency.

The effects described in the embodiments of the present invention merely list the most preferable effects arising from the present invention, and the effects according to the present invention are limited to those described in the embodiments of the present invention. is not.

P Consumer Q Provider 10 Issuing means (defined means)
12 Display means 13 Defined means 50 Electronic currency 51 Digital content 52 Hash 53 Issuer information 54 Minimum number of divisions (par value)
55 Consideration 100 Electronic currency trading system

Claims (10)

An electronic currency that can be traded between a consumer and a provider that handles a product or service as consideration for the product.
The electronic currency has a plurality of ticket types that can be divided only by the minimum number of divisions.
An electronic currency characterized in that a digital content corresponding to the electronic currency is associated with each of the ticket types. The electronic currency according to claim 1.
An electronic currency characterized in that the ticket type is given a hash assigned to each and the digital content stored on the URI including the hash. The electronic currency according to claim 1 or 2.
An electronic currency characterized by including a check digit based on the hash. An electronic currency trading system that uses an electronic currency that can be traded between a consumer and a provider that handles a product or service as consideration for the product.
The electronic currency has a plurality of ticket types having the face value of the ticket type as a predetermined minimum number of divisions.
The electronic currency is issued by an issuing means in association with digital contents corresponding to each of the denominations.
An electronic currency trading system comprising a change payment means for paying the difference between the consideration for the goods or the service and the face value paid by using any of the plurality of ticket types. The electronic currency trading system according to claim 4.
An electronic currency trading system, wherein the issuing means includes a defined means for associating the face value with the digital content. The electronic currency trading system according to claim 4 or 5.
An electronic currency trading system characterized by having a recording means for recording the electronic currency as an identifiable asset in a block chain. The electronic currency trading system according to any one of claims 4 to 6.
An electronic currency trading system characterized in that the electronic currency possessed by the consumer is recorded for each face value of the ticket type. The electronic currency trading system according to any one of claims 4 to 7.
It has a display means for displaying the ticket type for each face value.
When the quantity of the ticket type possessed by the consumer becomes zero, the display means displays the digital content associated with the ticket type so as to be distinguishable from the digital content having a quantity of 1 or more. An electronic currency trading system featuring. The electronic currency trading system according to claim 8.
The display means is an electronic currency trading system characterized in that, among the ticket types, only content having a quantity of 1 or more is displayed as an operation target as digital content that can be used for payment. The electronic currency is managed separately for each of a plurality of units, and a plurality of contents are associated with each of the plurality of the units to issue the electronic currency.
A program characterized by having a computer run it.

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