JP2021068114A - Information processor and information processing method and program and trading system - Google Patents

Abstract

To provide an information processor, etc., that can perform sales transactions of statutory currencies in an appropriate manner.SOLUTION: An information processor 1 comprises: an acquisition part that acquires a first exchange rate between a first statutory currency and a virtual currency and a second exchange rate between a second statutory currency and the virtual currency; a generation part that generates a third exchange rate between the first and second statutory currencies based on the first and second exchange rates; an output part that outputs the third exchange rate; a reception part that accepts a request for a first transaction to exchange the first and second statutory currencies; a first processing part that executes a settlement process for the first transaction based on the third exchange rate when the request is accepted; and a second processing part that performs a process for the second transaction that includes the exchange of the first statutory currency and the virtual currency based on the first exchange rate and the exchange of the second statutory currency and the virtual currency based on the second exchange rate in response to the first transaction.SELECTED DRAWING: Figure 1

Description

The present invention relates to an information processing device, an information processing method, a program and a trading system.

Various trading methods using virtual currency (cryptographic assets) have been proposed. For example, in Patent Document 1, it is a method of supporting trade transactions, and is the first and first from the exchange rate of the first real currency (statutory currency) and the virtual currency and the exchange rate of the second real currency and the virtual currency. Calculate the exchange rate of 2 real currencies, and if the difference between the calculated exchange rate and the actual exchange rates of the 1st and 2nd real currencies is less than the threshold, exchange the 1st real currency for virtual currency. At the same time, a trade support method for exchanging virtual currency for a second real currency is disclosed.

JP-A-2018-124640

However, the invention according to Patent Document 1 only remits legal tender via virtual currency, and does not increase the liquidity of the market related to the sale and purchase of legal tender by using virtual currency.

In one aspect, it is an object of the present invention to provide an information processing device or the like capable of preferably performing a sale transaction of legal tender.

The information processing device according to one aspect is between the first fiat currency and the first exchange rate, which is the exchange rate between the first fiat currency and the virtual currency, and the second fiat currency and the virtual currency from the virtual currency exchange business operator. An acquisition unit that acquires a second exchange rate, which is an exchange rate, and a generation that generates a third exchange rate, which is an exchange rate between the first and second fiat currencies, based on the first and second exchange rates. The unit, the output unit that outputs the third exchange rate, the reception unit that accepts the request for the first transaction for exchanging the first and second legal tenders, and the third exchange rate when the request is received. Based on the first fiat currency and virtual currency based on the first exchange rate, between the first processing unit that executes the settlement processing related to the first transaction and the exchange operator in response to the first transaction. It is characterized by including a second processing unit that executes processing related to the second transaction including the exchange of the second transaction and the exchange of the second legal tender and the virtual currency based on the second exchange rate.

In one aspect, fiat currency buying and selling transactions can be preferably carried out.

It is a schematic diagram which shows the configuration example of a trading system. It is a block diagram which shows the configuration example of a server. It is explanatory drawing which shows an example of the record layout of the exchange rate DB, the transaction DB, and the exchange rate DB. It is explanatory drawing which shows the outline of Embodiment 1. FIG. It is explanatory drawing which shows the outline of Embodiment 1. FIG. It is explanatory drawing which shows the display screen example of the synthesis rate. It is a flowchart which shows an example of the processing procedure which a server executes. It is explanatory drawing which shows the outline of Embodiment 2. It is a flowchart which shows an example of the processing procedure executed by the server which concerns on Embodiment 2. FIG. It is explanatory drawing which shows the outline of Embodiment 3. It is a flowchart which shows an example of the processing procedure executed by the server which concerns on Embodiment 3.

Hereinafter, the present invention will be described in detail with reference to the drawings showing the embodiments thereof.
(Embodiment 1)
FIG. 1 is a schematic diagram showing a configuration example of a trading system. In the present embodiment, a trading system for buying and selling legal tender between an end user and a FX business operator performing FX (Foreign Exchange) trading will be described. The trading system includes an information processing device 1, an FX operator server 2, an exchange operator server 3, a user terminal 4, a financial institution server 5, and the like. Each device is communicatively connected to a network N such as the Internet.

In the present embodiment, FX trading is given as an example of trading transactions, but it is sufficient if it is possible to carry out trading transactions targeting legal tender, and the trading method is not limited to FX trading. Further, in the present embodiment, since FX trading is performed, a difference settlement transaction is performed in which the difference in the selling price is exchanged without delivering the physical currency (legal currency), but the physical delivery transaction (the full amount is exchanged) is performed. You may.

The information processing device 1 is an information processing device capable of transmitting and receiving various types of information processing and information, and is, for example, a server computer, a personal computer, or the like. In the present embodiment, it is assumed that the information processing device 1 is a server computer, and in the following, it will be read as server 1 for the sake of brevity. The server 1 is a server computer of the administrator of this system, and is, for example, a server computer of a virtual currency exchange company (hereinafter, referred to as “exchange company”). The server 1 receives a request from the FX operator server 2 and performs processing related to a sales transaction for exchanging (buying and selling) the first legal tender and the second legal currency.

Specifically, the server 1 has an exchange rate between the first legal tender and the virtual currency (first exchange rate) that can be exchanged by another exchange operator, and an exchange rate between the second legal tender and the virtual currency. Based on (second exchange rate), an exchange rate (third exchange rate) when the first and second legal tenders are exchanged via virtual currency is generated. In the following description, for convenience, the exchange rate generated by the server 1 is referred to as a "composite rate".

The server 1 presents the generated synthesis rate to the FX operator. The synthetic rate is the same as the general exchange rate (the rate when the first and second fiat currencies are traded at a financial institution), and the server 1 undertakes the transaction at the synthetic rate. When the server 1 receives a request for a sale transaction of the first and second legal tender from the FX operator, the settlement process (contract for difference) related to the sale transaction of the first legal currency and the second legal currency based on the synthetic rate I do.

The server 1 carries out a trading transaction (second transaction) equivalent to the trading transaction conducted with the FX business operator with another exchange business operator. Specifically, the server 1 trades and sells the first legal tender equivalent to the quantity traded with the FX operator for virtual currency, and further exchanges the exchanged virtual currency for the second legal tender. Make a deal. The processing will be described in detail later.

The FX operator server 2 is a server computer of the FX operator, and receives an order from an end user (trader) and performs processing related to FX trading. In the present embodiment, the server 1 receives a currency transaction ask (buy request) or bid (sell request) from the FX operator server 2 and executes processing.

The exchange operator server 3 is a server computer of another exchange operator different from the administrator of the server 1, and is a server computer that functions as a virtual currency exchange, an exchange office, or the like. The server 1 generates a composite rate based on the exchange rate of the virtual currency presented by the exchange operator server 3.

The user terminal 4 is a terminal device of an end user who conducts FX trading. The FX operator server 2 receives a request related to the FX transaction from the user terminal 4 and performs processing.

The financial institution server 5 is a server computer of a financial institution such as a bank, and is a server computer of a financial institution that handles general exchange transactions. In the present embodiment, the server 1 also refers to the exchange rate presented by the financial institution to generate the composite rate.

FIG. 2 is a block diagram showing a configuration example of the server 1. The server 1 includes a control unit 11, a main storage unit 12, a communication unit 13, and an auxiliary storage unit 14.
The control unit 11 has one or more CPUs (Central Processing Units), MPUs (Micro-Processing Units), GPUs (Graphics Processing Units), and other arithmetic processing units, and stores the program P stored in the auxiliary storage unit 14. By reading and executing, various information processing, control processing, etc. are performed. The main storage unit 12 is a temporary storage area for SRAM (Static Random Access Memory), DRAM (Dynamic Random Access Memory), flash memory, etc., and temporarily stores data necessary for the control unit 11 to execute arithmetic processing. Remember. The communication unit 13 is a communication module for performing processing related to communication, and transmits / receives information to / from the outside.

The auxiliary storage unit 14 is a non-volatile storage area such as a large-capacity memory or a hard disk, and stores a program P and other data necessary for the control unit 11 to execute processing. Further, the auxiliary storage unit 14 stores the exchange rate DB 141, the transaction DB 142, and the exchange rate DB 143. The exchange rate DB 141 is a database that stores the exchange rate of virtual currency. The transaction DB 142 is a database that stores information on sales transactions received from the FX operator server 2. The exchange rate DB 143 is a database that stores the exchange rates presented by financial institutions such as banks.

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

Further, in the present embodiment, the server 1 is not limited to the above configuration, and may include, for example, an input unit that accepts operation input, a display unit that displays an image, and the like. Further, the server 1 is provided with a reading unit that reads a portable storage medium 1a such as a CD (Compact Disk) -ROM, a DVD (Digital Versatile Disc) -ROM, and reads and executes a program P from the portable storage medium 1a. You can do it. Alternatively, the server 1 may read the program P from the semiconductor memory 1b.

FIG. 3 is an explanatory diagram showing an example of the record layout of the exchange rate DB 141, the transaction DB 142, and the exchange rate DB 143.
The exchange rate DB 141 includes a date and time column, an exchange rate column, and a composite rate column. The date and time column stores the date and time. The exchange rate column and the composite rate column store the exchange rate between the virtual currency and the legal tender at the date and time, and the composite rate between the legal tenders via the virtual currency, respectively, in association with the date and time. For example, in the exchange rate column, the exchange rate between various legal tender and virtual currency is stored for each ask and bit in association with the exchange operator who presented the exchange rate. In the composite rate column, the composite rate between legal tenders is stored for each ask and bit.

In addition, when referring to Ask (Ask) as "BTCJPY" in this specification and drawings, the currency of the first stage (BTC, Bitcoin (registered trademark)) must be purchased in the currency of the latter stage (JPY, Japanese Yen). Means. Further, when the bid is described as "BTCJPY", it means that the currency (BTC) in the first stage is sold and the currency (JPY) in the second stage is acquired.

The transaction DB 142 includes a date and time column and a transaction column. The date and time column stores the date and time. The transaction column stores the contents of the transaction received from the FX operator server 2 at the date and time in association with the date and time. For example, in the transaction column, the name of the end user who conducts FX trading, the name of the FX business operator, the type of transaction (ask or bid), the type of legal tender to be handled, and the quantity (amount) of the transaction are stored.

The exchange rate DB 143 includes a date and time column and an exchange rate column. The date and time column stores the date and time. The exchange rate column stores the exchange rate of the date and time in association with the date and time. For example, in the exchange rate column, the exchange rates of various legal tenders are stored for each ask or bid in association with the financial institution that presented the exchange rate.

4 and 5 are explanatory views showing an outline of the first embodiment. FIG. 4 conceptually illustrates the case where the end user performs the ask. FIG. 5 conceptually illustrates the case of performing a bid. An outline of the present embodiment will be described with reference to FIGS. 4 and 5.

As shown in FIGS. 4 and 5, the server 1 has an exchange operator server 3 (exchange) that exchanges legal tender and virtual currency with an FX operator server 2 (FX operator) that accepts orders for FX transactions from users. Performs processing related to currency trading with business operators). Specifically, the server 1 receives the ask or bid related to the trading transaction (first transaction) of the first and second legal tender from the FX operator server 2, and performs the settlement processing related to the trading transaction. Then, the server 1 performs a transaction (second transaction) in which the first legal currency is exchanged for the virtual currency and the exchanged virtual currency is exchanged for the second legal currency, which is a cover transaction of the sales transaction.

A cover transaction is a transaction in which a position (balance) is adjusted by counter-trading a transaction with a customer. Risk hedging is performed by placing an order equivalent to an order received from a customer with another business operator.

In the present embodiment, the server 1 receives an order (buying and selling transaction) from the FX operator server 2 and performs a cover transaction with the exchange operator server 3. In this embodiment, cover transactions are performed, but the server 1 buys and sells virtual currency with another exchange operator (exchange operator server 3) according to the contents of the transaction with the FX operator server 2. It suffices as long as it is possible to carry out a transaction, and the content of the transaction is not limited to a cover transaction equivalent to the initial sales transaction with the FX operator server 2.

More specifically, the server 1 serves as a cover destination (counterparty) for the FX transaction performed by the FX operator server 2 with the user, and further, the exchange operator server 3 exchanges the cover transaction, which is the counter-trading of the cover transaction. Do with. That is, the administrator (exchange business) of this system plays the same role as a financial institution in general foreign exchange trading, and forms a trading market similar to the interbank market with other exchange businesses. ..

Similar to the server 1, the exchange operator server 3 of the other exchange operator also accepts the trading of legal tender from the FX operator and conducts the cover transaction with the other exchange operator server 3 including the server 1. You may do it. That is, as a trading system having this system having information processing devices (server 1 and exchange operator server 3) of a plurality of exchange operators, one information processing device (server 1 or exchange operator server 3) is a customer (for example). It may be configured as a system in which the first and second statutory currency sales transactions are carried out with the FX business operator) and the cover transactions are carried out with other information processing devices.

In the present embodiment, the server 1 trades legal tender with the FX operator, but may accept asks or bids directly from the end user.

The server 1 sequentially acquires the exchange rates between the legal tender and the virtual currency for various legal currencies from the exchange operator server 3 and stores them in the exchange rate DB 141. Specifically, the server 1 has an ask exchange rate when exchanging legal tender for virtual currency (hereinafter, the ask exchange rate is referred to as "ascrate") and a case where virtual currency is exchanged for legal tender. The bid exchange rate (hereinafter, the bid exchange rate is referred to as "bid rate") is sequentially acquired, and the exchange rate DB 141 is stored.

The server 1 is a composite rate (third exchange) when exchanging the first and second legal tenders via the virtual currency based on the exchange rate between various legal currencies and the virtual currency stored in the exchange rate DB 141. Rate) is generated.

Specifically, the server 1 multiplies the first exchange rate, which is the exchange rate between the first fiat currency and the virtual currency, and the second exchange rate, which is the exchange rate between the second fiat currency and the virtual currency. By doing so, the rate when the first legal tender is exchanged for the second legal tender via the virtual currency is calculated. In the case of the description according to the example of ask in FIG. 4, the server 1 multiplies the ask rate of the first fiat currency and the virtual currency (BTCJPY) by the bid rate of the second fiat currency and the virtual currency (BTCUSD). , Calculate the ask rate "104.80" of the first and second fiat currencies via virtual currency. In the case of the explanation according to the example of the bid of FIG. 5, the server 1 multiplies the bid rate of the first fiat currency and the virtual currency by the ask rate of the second fiat currency and the virtual currency, and the second via the virtual currency. Calculate the bid rate "104.70" for the 1st and 2nd legal tender.

The server 1 adds or subtracts a predetermined value to the calculated multiplication value to generate the final composite rate. The value to be added or subtracted from the multiplication value corresponds to the profit of the administrator of the server 1. In the example of ask in FIG. 4, the composite rate is “104.99”, which is obtained by adding 0.19 to the ask rate “104.80” calculated above. In the bid example of FIG. 5, the composite rate is "104.51", which is obtained by subtracting 0.19 from the bid rate "104.70" calculated above.

Here, the server 1 determines the above-mentioned predetermined value while referring to the exchange rate at a financial institution other than the virtual currency exchange business operator, and adds or subtracts the determined predetermined value to the multiplication value to generate a composite rate. A financial institution is, for example, a bank, which accepts ordinary foreign exchange transactions that do not go through virtual currencies. The server 1 sequentially acquires exchange rates from one or more financial institutions and stores them in the exchange rate DB 143. The server 1 determines a predetermined value with reference to the exchange rate of each financial institution.

For example, the server 1 determines a predetermined value by referring to the highest value (minimum value) if it is an ask rate and the lowest price (maximum value) if it is a bid rate among the exchange rates of each financial institution. .. In the example of Ask in FIG. 4, the server 1 selects the exchange rate "105.00" of the financial institution A as the maximum value, and is smaller than the selected exchange rate "105.00" by a constant value of 0.01. In addition, the predetermined value is determined to be 0.19. In the bid example of FIG. 5, the server 1 selects the exchange rate "104.50" of the financial institution C as the lowest price, and is larger than the selected exchange rate "104.50" by a constant value of 0.01. As described above, the predetermined value is determined to be 0.19. By the above processing, it is possible to generate a composite rate so as to be advantageous over the exchange rate while adjusting the exchange rate of the financial institution, that is, the rate of the general exchange market so as not to deviate significantly.

Further, the server 1 determines a predetermined value to be added or subtracted from the multiplication value by referring to the business information indicating the business day or business hours of the financial institution in addition to or instead of the exchange rate of the financial institution. You may. Since this system trades via virtual currency, unlike the general foreign exchange market, it is possible to trade even on holidays of financial institutions or at night when financial institutions are not open. Therefore, the server 1 fluctuates a predetermined value with reference to the business day or business hours of the financial institution.

For example, the server 1 stores business days and business hours in advance in association with each financial institution, and the date or time when the request for sales transaction is received from the FX operator server 2 is other than the business days or business hours of the financial institution. Judge whether or not it corresponds to the date or time of. When it is determined that the date or time falls on a business day or a time other than the business hours, the server 1 determines that the absolute value of the predetermined value is larger than that on the business day or the business hours. As a result, when it corresponds to a holiday or night, the composite rate is set more favorably from the viewpoint of the administrator of the server 1 than the business day or business hours of the financial institution.

As described above, the server 1 may generate a composite rate by referring not only to the exchange rate of the virtual currency but also to general exchange market information (exchange rate and business information of financial institutions).

The server 1 sequentially acquires the exchange rate from the exchange operator server 3, sequentially generates the combined rate, and outputs it to the FX operator server 2.

FIG. 6 is an explanatory diagram showing an example of a display screen of the composite rate. FIG. 6 illustrates a display example of a chart showing the time-series changes in the composite rate generated above. For example, the server 1 displays the composite rate generated above and the exchange rate of each financial institution on the same chart. For example, the server 1 accepts the selection input of the legal tender pair (first and second legal tender) in the currency selection field 61 of the display screen of FIG. 6, and the selection input of ask or bid in the transaction selection field 62. The server 1 superimposes and displays the composite rate and the exchange rate on the same chart for the ask or bid of the selected legal tender pair. As a result, for example, when an appointed dealer (a trader in the FX company) manually places an order on the server 1 in the FX company, the order can be placed while referring to the price movement and the exchange rate.

Of course, the display screen of FIG. 6 may be output to the user terminal 4 so that the end user can also view it.

The explanation will be continued by returning to FIGS. 4 and 5. For example, the FX operator server 2 adds or subtracts a value corresponding to a fee to the synthesis rate, outputs it to the user terminal 4, and presents it to the user. Then, the FX operator server 2 accepts designated inputs such as the types of the first and second legal tenders and the quantity (amount) of the currencies to be traded from the user terminal 4, and accepts orders for FX trading. When the order is accepted, the FX operator server 2 performs a settlement process for exchanging the first and second legal tenders according to the contents of the order. Since it is an FX transaction, only the difference is settled, not the full amount of the specified currency quantity.

When the FX business order is received from the user, the FX business server 2 requests the server 1 to buy and sell the first and second legal tender equivalent to the transaction ordered by the user for the cover transaction. That is, the FX operator server 2 outputs an ask or bid similar to the ask or bid received from the user to the server 1.

When the FX business operator server 2 receives the request for the sales transaction, the server 1 executes the settlement process related to the sales transaction based on the above-mentioned combined rate. That is, the server 1 purchases or sells the first legal tender, sells or purchases the second legal tender, and performs a difference settlement process for settling the difference. Server 1 remits the difference to the FX business if the balance is positive from the perspective of the FX business, and requests the FX business to pay the difference if the balance is negative. To do.

At the same time as the server 1 performs the above-mentioned processing related to the sales transaction, the server 1 performs the processing related to the sales transaction of the first and second legal tender via the virtual currency with the exchange operator server 3 for the cover transaction. Execute. That is, the server 1 carries out trading in which the first legal tender is exchanged for virtual currency based on the first exchange rate and trading in which the exchanged virtual currency is exchanged for the second legal currency based on the second exchange rate.

For example, the server 1 generates a transaction for exchanging the first fiat currency and the virtual currency and a transaction for exchanging the second fiat currency and the virtual currency, respectively. In the case of Ask, the former transaction is a transaction in which the virtual currency for the first legal currency is transferred from the exchange operator to the administrator of server 1, and the latter transaction is the transaction for exchanging the virtual currency for the second legal currency from the administrator. It is a transaction to send money to a person. In the case of bid, the former transaction is a transaction in which the virtual currency for the first legal tender is transferred from the administrator to the exchange operator, and the latter transaction is the transaction in which the virtual currency for the second legal currency is transferred from the exchange operator to the administrator. It becomes a transaction to do.

The server 1 holds the private key related to the wallet of the administrator and at the same time holds the public key related to the wallet of the exchange operator. The server 1 generates each of the above transactions using each encryption key and broadcasts them to each node (minor) on the network N that manages the blockchain in a distributed manner.

In addition, the server 1 setstles the first and second legal tenders associated with the exchange to the virtual currency by means such as bank transfer in parallel with the generation of the above transaction. In the case of Ask, the server 1 remits the first legal tender to be exchanged for virtual currency to the exchange operator, and requests the exchange operator to pay the second legal tender to be exchanged from the virtual currency. In the case of a bid, the server 1 requests the exchange operator to pay the first fiat currency and remits the second fiat currency to the exchange operator.

In the above, the server 1 generates the transaction, but the exchange operator server 3 of the exchange operator which is the counterparty of the transaction may generate the transaction. In this case, the server 1 only needs to request the exchange operator server 3 to exchange the virtual currency. That is, the server 1 does not have to generate a transaction.

Also, in the above, two transactions were generated to exchange the entire amount of the first and second legal tender for virtual currency, but as with FX trading (contract for difference), only the virtual currency for the difference is managed. It may only generate a single transaction to transfer money from one of the parties and the exchange operator to the other.

From the above, according to the present embodiment, a composite rate is generated based on the first exchange rate between the first fiat currency and the virtual currency and the second exchange rate between the second fiat currency and the virtual currency. , The first and second fiat currencies can be bought and sold based on the combined rate. As a result, it is possible to provide the FX business operator and the end user with a trading market different from the conventional legal tender exchange market.

FIG. 7 is a flowchart showing an example of a processing procedure executed by the server 1. The processing contents executed by the server 1 will be described with reference to FIG. 7.
The control unit 11 of the server 1 acquires the exchange rate between various legal tenders and the virtual currency from the exchange operator server 3 (step S11). Further, the control unit 11 acquires the exchange rates of various legal currencies from the financial institution server 5 (step S12).

The control unit 11 generates a composite rate (third exchange rate) when exchanging the first and second legal tenders via the virtual currency based on the exchange rate of the virtual currency acquired in step S11 (step S13). .. Specifically, the control unit 11 multiplies the first exchange rate between the first legal tender and the virtual currency and the second exchange rate between the second legal tender and the virtual currency, and with respect to the multiplied value. A composite rate is generated by adding or subtracting a predetermined value corresponding to the profit. In this case, the control unit 11 determines a predetermined value to be added or subtracted from the multiplication value by referring to the exchange rate acquired in step S12, the business information of the financial institution, or the like, and generates a composite rate. The control unit 11 outputs the generated synthesis rate to the FX operator server 2 (step S14).

The control unit 11 receives a request for a sale transaction of the first and second legal tender from the FX operator server 2 (step S15). The control unit 11 executes a settlement process related to a sales transaction (first transaction) for exchanging (buying and selling) the first and second legal tenders based on the synthetic rate (step S16).

The control unit 11 is a cover transaction of the sales transaction executed in step S16, and exchanges the first legal tender and the virtual currency based on the first exchange rate and the second legal currency and the virtual currency based on the second exchange rate. The process related to the cover transaction (second transaction) including the exchange is executed (step S17). For example, the control unit 11 generates a transaction for exchanging the first legal tender for the virtual currency and a transaction for exchanging the exchanged virtual currency for the second legal currency, and broadcasts the transaction to the blockchain. In addition, the control unit 11 performs processing related to remittance settlement of the first and second legal tender with the exchange business operator. The control unit 11 ends a series of processes.

Although not specifically explained above, transactions on this system may be conducted on spot transactions (transactions within a few business days) or futures transactions (transactions conducted on a specified date). ..

Based on the above, according to the first embodiment, the first and second exchange rates are based on the first exchange rate between the first fiat currency and the virtual currency and the second exchange rate between the second fiat currency and the virtual currency. A synthetic rate between legal tenders (third exchange rate) is generated, and based on the synthetic rate, the first and second fiat currencies are bought and sold (first transaction), and at the same time, the cover transaction of the transaction (first transaction) is performed. 2 Transactions) with the exchange company. As a result, it is possible to provide the FX business operator and the end user with a trading market different from the conventional legal tender exchange market, and it is possible to preferably carry out trading of legal tender.

Further, according to the first embodiment, a more appropriate synthetic rate can be generated by referring to the exchange rate and business information of the financial institution.

(Embodiment 2)
In this embodiment, a mode for exchanging virtual currency with a plurality of exchange operators will be described. The contents overlapping with the first embodiment are designated by the same reference numerals and the description thereof will be omitted.

FIG. 8 is an explanatory diagram showing an outline of the second embodiment. FIG. 8 conceptually illustrates a state in which exchange rates are acquired from a plurality of exchange operators A, B, and C and transactions are performed. Note that FIG. 8 shows a state in which an ask is received from an end user (not shown in FIG. 8). An outline of the present embodiment will be described with reference to FIG.

The server 1 sequentially acquires the exchange rates (first and second exchange rates) of legal tender and virtual currency from each of the plurality of exchange operators. Then, the server 1 selects the highest value or the lowest exchange rate among the first and second exchange rates obtained from each exchange operator, and generates a composite rate. In the example of ask in FIG. 8, the server 1 has the highest (minimum) ask rate “1,089,” among the first legal tender (JPY) and virtual currency (BTC) ask rates (first exchange rate). 880 ”is selected. Further, the server 1 selects the lowest bid rate (maximum value) of the bid rate "10,400" from the bid rates (second exchange rate) of the second legal tender (USD) and the virtual currency. When generating a composite rate for a bid, the above relationship is reversed, and the server 1 selects the highest bid rate and the lowest ask rate.

The server 1 multiplies the selected ask rate and bid rate, and adds or subtracts a predetermined value to generate a composite rate. In this case, as in the first embodiment, the composite rate is generated with reference to the exchange rate and business information of the financial institution. The server 1 sequentially performs the above processes and generates a composite rate while selecting the highest and lowest exchange rates. The server 1 sequentially outputs the generated synthesis rate to the FX operator server 2.

In the present embodiment, the highest or lowest rate is selected for both the first and second exchange rates to generate the composite rate, but only one of the first and second exchange rates is selected. May be good. For example, in the example of FIG. 8, when the ask rate (first exchange rate) of the exchange operator A, which offers the highest price, is selected, the bid rate (first exchange rate) is selected in order to complete the transaction with the same exchange operator. 2 The exchange rate) may be the bid rate of the exchange operator A.

When a request for a sale transaction of the first and second legal tender is received from the FX operator server 2, the server 1 executes the settlement process related to the transaction as in the first embodiment. Then, the server 1 executes the process related to the cover transaction with the exchange operator server 3.

In this case, the server 1 exchanges the first legal tender and the virtual currency and the second legal tender and the virtual currency with the exchange operator server 3 which is the acquisition source of the ask rate and the bid rate selected above. And exchange. In the example of FIG. 8, the first legal tender is exchanged for virtual currency with the exchange operator A who presented the highest price of the ask rate. In addition, the virtual currency is exchanged for the second legal tender with the exchange operator C who offered the lowest bid rate.

The server 1 remits the first legal tender to the exchange operator A, and also generates and broadcasts a transaction for remittance of the virtual currency from the exchange operator A to the administrator. Further, the server 1 generates and broadcasts a transaction for remittance of virtual currency to the exchange company C, and outputs a payment request for the second legal currency to the exchange company server 3 of the exchange company C.

FIG. 9 is a flowchart showing an example of a processing procedure executed by the server 1 according to the second embodiment.
The control unit 11 of the server 1 acquires the exchange rates (first and second exchange rates) of the virtual currency from the plurality of exchange operator servers 3 (exchange operators) (step S201). The control unit 11 starts with the first and second exchange rates of the highest or lowest price (the first exchange rate of the highest or lowest price, and / or) from the first and second exchange rates of each exchange operator server 3. , The lowest or highest second exchange rate) (step S202). The control unit 11 shifts the process to step S12.

After executing the process of step S12, the control unit 11 generates a composite rate between the first and second fiat currencies based on the exchange rate selected in step S202 (step S203). That is, when the control unit 11 generates a composite rate for the ask, the highest ask rate between the first fiat currency and the virtual currency and the lowest bid rate between the second fiat currency and the virtual currency are set. Generate a composite rate based on. Further, when the control unit 11 generates a composite rate for the bid, the control unit 11 sets the ask rate at the highest price between the first fiat currency and the virtual currency and the lowest bid rate between the second fiat currency and the virtual currency. Generate a composite rate based on. The control unit 11 shifts the process to step S14.

After executing the process of step S16, the control unit 11 executes the process related to the cover transaction (step S204). In this case, the control unit 11 selects the exchange operator server 3 (exchange operator) that is the acquisition source of the exchange rate selected in step S202, and exchanges the legal tender and the virtual currency with the exchange operator server 3. Perform the processing related to the exchange. The control unit 11 ends a series of processes.

From the above, according to the second embodiment, by selecting one of the exchange rates of the plurality of exchange operators to generate the composite rate, it is possible to more preferably carry out the trading of legal tender.

(Embodiment 3)
In the first embodiment, it has been described that the composite rate of the first and second legal tender is generated from the exchange rate of the virtual currency, and the transaction is performed based on the composite rate. In the second embodiment, it has been explained that the legal tender and the virtual currency are exchanged between a plurality of exchange operators. Further, in the present embodiment, a mode in which transactions are performed using a plurality of types of virtual currencies will be described.

FIG. 10 is an explanatory diagram showing an outline of the third embodiment. In FIG. 10, exchange rates are acquired for two types of virtual currencies, "BTC" and "ETH" (Ethereum (registered trademark)), from a plurality of exchange operators A, B, and C, and a composite rate is generated. Illustrated conceptually. It should be noted that FIG. 10 illustrates a state when receiving an ask. An outline of the present embodiment will be described with reference to FIG.

In the present embodiment, the server 1 sequentially acquires exchange rates for a plurality of types of virtual currencies from the exchange operator server 3 of each exchange operator. Then, the server 1 selects the first and second exchange rates of the highest price or the lowest price for each type of virtual currency. In the example of FIG. 10, for the virtual currency “BTC”, the highest ask rate “1,089,880” and the lowest bid rate “10,400” are selected. Similarly, for the virtual currency "ETH", the highest ask rate "22,029" and the lowest bid rate "210.00" are selected.

The server 1 generates a synthetic rate for each type of virtual currency and selects the synthetic rate of the most advantageous type of virtual currency. In the example of FIG. 10, the multiplication value of the ask rate and the bid rate for “BTC” is “104.80”. Further, for "ETH", the multiplication value of the ask rate and the bid rate is "104.90". Since the example of FIG. 10 is at the time of asking, "BTC" in which the multiplication value is high (small) is more advantageous. Although not shown, the type of virtual currency whose multiplication value is cheaper (larger) at the time of bid is selected. In this way, the server 1 compares the magnitude of the composite rate of each type of virtual currency and selects the most advantageous composite rate. The server 1 outputs the selected synthesis rate to the FX operator server 2.

The subsequent processing is the same as in the first and second embodiments, and the server 1 accepts the ask or bid from the FX operator server 2 and executes the settlement processing related to the trading transactions of the first and second legal tenders. In addition, the server 1 executes a process related to the cover transaction with the exchange operator server 3. In this case, the server 1 selects the exchange operator who presented the highest price and / or the lowest exchange rate as the trading partner, and conducts a trading transaction via the virtual currency of the type selected above. In the above example, the server 1 selects "BTC" as the virtual currency to be traded and generates a transaction of the virtual currency.

From the above, according to the present embodiment, it is possible to carry out the trading of the first and second legal tenders via the virtual currency more advantageously.

FIG. 11 is a flowchart showing an example of a processing procedure executed by the server 1 according to the third embodiment.
The control unit 11 of the server 1 acquires the exchange rates of a plurality of types of virtual currencies from each exchange operator server 3 (step S301). The control unit 11 selects the highest or lowest first and second exchange rates from the first and second exchange rates acquired from each exchange operator server 3 for each type of virtual currency (step S302). .. The control unit 11 shifts the process to step S12.

After executing the process of step S12, the control unit 11 determines between the first and second fiat currencies for each type of virtual currency based on the first and second exchange rates of each type of virtual currency selected in step S302. Generate a composite rate (step S303). The control unit 11 selects the highest or lowest type of synthetic rate from the synthetic rates of the generated virtual currencies (step S304). The control unit 11 shifts the process to step S14.

After executing the process of step S16, the control unit 11 executes the process related to the cover transaction (step S305). In this case, the control unit 11 selects the virtual currency of the type corresponding to the synthetic rate selected in step S304 as the transaction target, and is the exchange operator that is the acquisition source of the first and second exchange rates of the highest or lowest price. Transactions related to the exchange of legal tender and virtual currency with server 3 (exchange business operator). The control unit 11 ends a series of processes.

From the above, according to the third embodiment, more advantageous transactions can be performed by generating a composite rate from the exchange rates of a plurality of types of virtual currencies and selecting the highest price or the lowest price.

The embodiments disclosed this time should be considered to be exemplary in all respects and not restrictive. The scope of the present invention is indicated by the scope of claims, not the above-mentioned meaning, and is intended to include all modifications within the meaning and scope equivalent to the scope of claims.

1 Server (information processing device)
11 Control unit 12 Main storage unit 13 Communication unit 14 Auxiliary storage unit P program 2 FX operator server 3 Exchange operator server 4 User terminal 5 Financial institution server

Claims (9)

From the virtual currency exchange business operator, the first exchange rate, which is the exchange rate between the first legal tender and the virtual currency, and the second exchange rate, which is the exchange rate between the second legal tender and the virtual currency, are exchanged. The acquisition department to acquire and
A generator that generates a third exchange rate, which is an exchange rate between the first and second fiat currencies, based on the first and second exchange rates.
An output unit that outputs the third exchange rate and
The reception department that accepts the request for the first transaction to exchange the first and second legal tender,
When the request is received, the first processing unit that executes the settlement processing related to the first transaction based on the third exchange rate, and the first processing unit.
In response to the first transaction, the exchange of the first fiat currency and virtual currency based on the first exchange rate and the second fiat currency and virtual currency based on the second exchange rate with the exchange operator. An information processing device including a second processing unit that executes processing related to a second transaction including currency exchange. The acquisition unit acquires the first and second exchange rates from the plurality of exchange operators, and obtains the first and second exchange rates.
A selection unit for selecting the highest or lowest first and second exchange rates from the first and second exchange rates of the plurality of exchange operators is provided.
The information processing apparatus according to claim 1, wherein the generation unit generates the third exchange rate based on the selected first and second exchange rates. The acquisition unit acquires the first and second exchange rates for each of the plurality of types of virtual currencies, and obtains the first and second exchange rates.
The generator generates the third exchange rate for each type of virtual currency.
A second selection unit for selecting the highest or lowest third exchange rate from the third exchange rate of the virtual currency of each type is provided.
The information processing apparatus according to claim 1 or 2, wherein the output unit outputs the selected third exchange rate. The generator
Calculate the multiplication value of the first and second exchange rates,
The information processing apparatus according to any one of claims 1 to 3, wherein a predetermined value is added or subtracted from the multiplication value to generate the third exchange rate. The acquisition department acquires the exchange rates of the first and second legal tenders at the financial institution, and obtains them.
The information processing apparatus according to claim 4, wherein the generation unit determines the predetermined value based on the exchange rate. The acquisition department acquires business information indicating the business day or business hours of a financial institution, and obtains business information.
The information processing device according to claim 4 or 5, wherein the generation unit determines the predetermined value based on the business information. From the virtual currency exchange business operator, the first exchange rate, which is the exchange rate between the first legal tender and the virtual currency, and the second exchange rate, which is the exchange rate between the second legal tender and the virtual currency, are exchanged. Acquired,
Based on the first and second exchange rates, a third exchange rate, which is the exchange rate between the first and second fiat currencies, is generated.
Output the third exchange rate,
Accepting the request for the first transaction to exchange the first and second fiat currencies,
When the request is received, the settlement process related to the first transaction is executed based on the third exchange rate, and the payment process is executed.
In response to the first transaction, the exchange of the first fiat currency and virtual currency based on the first exchange rate and the second fiat currency and virtual currency based on the second exchange rate with the exchange operator. An information processing method characterized in that a computer executes a process related to a second transaction including a currency exchange. From the virtual currency exchange business operator, the first exchange rate, which is the exchange rate between the first legal tender and the virtual currency, and the second exchange rate, which is the exchange rate between the second legal tender and the virtual currency, are exchanged. Acquired,
Based on the first and second exchange rates, a third exchange rate, which is the exchange rate between the first and second fiat currencies, is generated.
Output the third exchange rate,
Accepting the request for the first transaction to exchange the first and second fiat currencies,
When the request is received, the settlement process related to the first transaction is executed based on the third exchange rate, and the payment process is executed.
In response to the first transaction, the exchange of the first fiat currency and virtual currency based on the first exchange rate and the second fiat currency and virtual currency based on the second exchange rate with the exchange operator. A program characterized by causing a computer to execute a process related to a second transaction including a currency exchange. It is a trading system that has information processing devices for each of the multiple virtual currency exchange companies.
One of the information processing devices
The first exchange rate, which is the exchange rate between the first legal tender and the virtual currency, and the second exchange rate, which is the exchange rate between the second legal tender and the virtual currency, are acquired from the other information processing apparatus. Acquisition department and
A generator that generates a third exchange rate, which is an exchange rate between the first and second fiat currencies, based on the first and second exchange rates.
An output unit that outputs the third exchange rate and
The reception department that accepts the request for the first transaction to exchange the first and second legal tender,
When the request is received, the first processing unit that executes the settlement processing related to the first transaction based on the third exchange rate, and the first processing unit.
In response to the first transaction, exchange of the first fiat currency and virtual currency based on the first exchange rate and the second fiat currency based on the second exchange rate with the other exchange business operator. A trading system including a second processing unit that executes processing related to the second transaction, including the exchange of virtual currency.

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