JP2021117959A - Point exchange method, point exchange system, and program - Google Patents

Abstract

To provide a novel point exchange method and point exchange system that can vitalize international point exchange via a communication line.SOLUTION: A point exchange system includes: a user terminal that is used by a user; and a management server that manages key virtual currencies capable of being exchanged for first points or the like in a first country and second points or the like in a second country. The management server is connected to an exchange rate providing system via a communication line, and includes means for applying an exchange rate obtained from the exchange rate providing system to the second points or the like when exchanging the second points or the like for the key virtual currencies via the user terminal.SELECTED DRAWING: Figure 1

Description

The present invention relates to a point exchange method for exchanging points and the like, a point exchange system, or a program applied thereto.

In commercial transactions using user terminals such as smartphones and mobile phones, points are given when purchasing products. In recent years, the types of points have increased, and points have been exchanged between different points. Recently, points based on the second currency have been calculated from points based on the first currency based on the exchange rate. A system for issuing points is being studied (Patent Document 1).
However, building a global point system with one brand required a huge investment, was inflexible, and was not commercially satisfactory. Further, for example, when the user is an overseas tourist or the like, there is a problem that it is difficult to use the points because the circumstances of the destination country are not well understood.

Japanese Unexamined Patent Publication No. 2009-211473

An object of the present invention is to provide a novel point exchange method and point exchange system capable of activating international point exchange via a communication line.

As a result of diligent studies to achieve the above object, the present inventors have obtained a point exchange method with the first point, the first securities or the first currency of the first country of the first country. Prepare an exchangeable base virtual currency, and point to exchange the base virtual currency with the second point, second securities or second currency of the second country by applying the exchange rate. By constructing an exchange system, for example, when the user (user) is an overseas traveler, even if the circumstances of the destination country are not well understood, the points held by the traveler can be easily transferred to the destination. We found that it can be utilized, and found that such a point exchange method and a point exchange system can solve the above-mentioned conventional problems at once.
In addition, after obtaining the above findings, the present inventors have further studied and completed the present invention.

That is, the present invention relates to the following invention.
[1] In the point exchange method, a key virtual currency that can be exchanged for the first point, the first securities, or the first currency of the first country is prepared, and the key virtual currency and the second currency are used. A point exchange method characterized in that a second point, a second securities, or a second currency of a country is exchanged by applying an exchange rate.
[2] After exchanging the key virtual currency with the second point, the second securities or the second currency, the key virtual currency is exchanged with the first point, the first securities or the first currency. The point exchange method according to the above [1] for exchanging currency.
[3] The first securities are digital securities, the first currency is a digital currency, the second securities are digital securities, and the second currency is a digital currency. The point exchange method according to the above [1] or [2].
[4] The point exchange method according to any one of [1] to [3] above, which uses a blockchain.
[5] The user terminal used by the user and the first point, the first security or the first currency of the first country and the second point, the second securities or the second country of the second country. A management server that manages a key virtual currency that can be exchanged with a second currency is provided, and the management server is connected to an exchange rate providing system via a communication line, and the management server is connected to the user terminal via the user terminal. When exchanging the second point, the second securities or the second currency for the key virtual currency, the exchange rate obtained from the exchange rate providing system is used as the second point, the second securities or the second currency. A point exchange system characterized by having means to apply to two currencies.
[6] The point exchange system according to the above [5], wherein the communication line includes a telephone network or an Internet network.
[7] The first securities are digital securities, the first currency is a digital currency, the second securities are digital securities, and the second currency is a digital currency. The point exchange system according to the above [5] or [6].
[8] Further, any one of the above [5] to [7], further comprising means for exchanging the key virtual currency for the first point, the first securities, or the first currency via the user terminal. Point exchange system described in.
[9] The point exchange system according to any one of [5] to [8], further comprising a means for using a blockchain to manage the key virtual currency.
[10] A key virtual that can exchange a management server that can connect to a database that manages transaction information related to point transactions in a blockchain for the first point, first securities, or first currency of the first country. A program that allows a currency to function as a means of exchanging a second point, a second security, or a second currency of a second country at an exchange rate.

According to the present invention, it is possible to activate the exchange of international points via a communication line.

It is a figure which shows an example of a preferable embodiment of the point exchange system of this invention. It is a figure which shows an example of the preferable system structure of the point exchange system of this invention. It is a figure which shows an example of a preferable embodiment of the point exchange system of this invention. It is a figure which shows an example of the system structure of the user terminal preferably used in the point exchange system of this invention. It is a figure which shows an example of a preferable embodiment of the point exchange system of this invention. It is a figure which shows an example of a preferable embodiment of the point exchange system of this invention. It is a figure which shows an example of a preferable embodiment of the point exchange system of this invention. It is a figure explaining an example of the structure of the blockchain which is preferably used in the point exchange system of this invention. It is a figure which shows an example of the customer information master preferably used in the point exchange system of this invention. It is a figure which shows an example of the exchange condition master preferably used in the point exchange system of this invention. It is a figure which shows an example of the virtual currency information master preferably used in the point exchange system of this invention. It is a figure which shows an example of the transaction history master preferably used in the point exchange system of this invention. It is a figure which shows an example of the exchange rate master preferably used in the point exchange system of this invention. It is a figure which shows an example of the point information master preferably used in the point exchange system of this invention.

In the point exchange method of the present invention, a key virtual currency that can be exchanged for the first point, the first securities, or the first currency of the first country is prepared, and the key virtual currency and the second country It is characterized by exchanging a second point, a second securities or a second currency by applying an exchange rate. In addition, the point exchange system of the present invention includes a user terminal used by a user, a first point in a first country, a first securities or a first currency, and a second point in a second country. , A management server that manages a key virtual currency that can be exchanged for a second securities or a second currency, respectively, and the management server is connected to an exchange rate providing system via a communication line. When exchanging the second point, the second securities or the second currency for the key virtual currency via the user terminal, the exchange rate obtained from the exchange rate providing system is used as the second point. It is characterized by having means for applying to a second securities or a second currency.

In the present invention, after exchanging the key virtual currency with the second point, the second securities or the second currency, the key virtual currency is exchanged with the first point, the first securities or the first currency. It is preferable to exchange for one currency. Further, the first securities are digital securities, the first currency is a digital currency, the second securities are digital securities, and the second currency is a digital currency. Is preferable. Moreover, it is preferable to use a blockchain. Further, it is preferable that the point exchange system further includes means for exchanging the key virtual currency for the first point, the first securities, or the first currency via the user terminal, and the base. It is also preferable to have a means of using a blockchain for managing virtual currencies. According to such a preferred embodiment, international point exchange can be performed more easily and safely.

"Virtual currency" refers to a currency that does not have a physical currency like a real currency and requires only electronic data to be exchanged for settlement.
The "point" is not particularly limited as long as it does not interfere with the object of the present invention, and may be a known point given or the like in a commercial transaction. In the present invention, it is preferable that there are two or more of the above points.
The “securities” include digital securities, and in the present invention, the securities are preferably digital securities.
The "currency" includes a digital currency such as a virtual currency or electronic money, and in the present invention, the currency is preferably a digital currency.
The "user" is also called a user and may be a person who can exchange points, and may be a corporation or various organizations as well as a natural person.
The "communication line" is not particularly limited, and may be a wireless line or a wired line as long as communication is possible, but it is preferable to include a telephone network or an Internet network because bidirectional communication can be performed. ..

Hereinafter, as a preferred embodiment of the present invention, with reference to a drawing, a system for exchanging a second point of a second country for a key virtual currency that can be exchanged for a first point of a first country using an exchange rate. More specifically, the present invention is not limited to these, and can be applied not only to the points but also to the securities and the currency.

FIG. 1 is a diagram showing an example of a public embodiment of the point exchange system of the present invention, and schematically shows a display screen of a mobile application. The user who uses the point exchange system logs in by entering the ID and password on the login screen 1. The ID and password are registered in advance, but if the user has not registered the ID and password, pressing the sign-up button opens the ID and password registration screen. ing.

On the home screen 2 after login, the balance of the base virtual currency is displayed, and further, a news / notification button, a button for using the base virtual currency, a button for exchanging for the base virtual currency, a button for exchanging from the base virtual currency, and a base virtual currency The purchase button is displayed. Then, when the button for using the basic virtual currency is pressed, the screen moves to the QR code display screen 3 for using the basic virtual currency, and the basic virtual currency is used by scanning the QR code at a store or the like where the basic code can be used. Attached to. Further, when the exchange button for the basic virtual currency is pressed, the screen 4 for exchanging for the basic virtual currency is displayed, and the points to be exchanged for the basic virtual currency are displayed in a selectable manner. Here, not only the registered points but also the unregistered points that are candidates can be displayed in a selectable manner, and when the points are selected, the points can be transferred to the registration screen of the points. Further, when the exchange button from the basic virtual currency is pressed, the screen 5 is displayed for exchanging from the basic virtual currency, and the points to be exchanged with the basic virtual currency are displayed in a selectable manner. Here, not only the registered points but also the unregistered points that are candidates can be displayed in a selectable manner, and when the points are selected, the points can be transferred to the registration screen of the points. Further, when the purchase button of the basic virtual currency is pressed, the screen 6 for purchasing the basic virtual currency is displayed, and the credit card information can be input to purchase the basic virtual currency with a credit card.

As a preferred embodiment, the point exchange system of the present invention manages a user terminal 11, a key virtual currency management server 12, and a first point (A1) of a first country (country A), as shown in FIG. Point management server 13, point management server 14 that manages the first point (A2) of the first country (country A), point management server 15 that manages the second point of the second country (country B) And the exchange rate providing system is connected so as to be communicable via the communication line 18, and can be managed by the blockchain. Hereinafter, the use of the basic virtual currency, the exchange to the basic virtual currency, the exchange from the basic virtual currency, and the purchase of the basic virtual currency will be described more specifically with reference to the drawings. It is not limited.

FIG. 3 is a diagram schematically showing a usage mode of the key virtual currency. For example, a user 111 who has traveled from country B to country A uses the user terminal 11 to display a QR code display screen 11a for using the key virtual currency, and the key virtual currency of country A is used. By scanning the QR code at the store terminal 121 of the possible store 120, the key virtual currency can be used. Further, when the key virtual currency settlement machine 130 is located in country A, the key virtual currency can be exchanged for the currency of country A, for example, by scanning the QR code. In the present invention, the user terminal 11, the store terminal 121, and the settlement machine 130 are each communicably connected to the key virtual currency management server 12 via a communication line, and the exchange history of the base virtual currency and the like are blocked. It is preferably managed using a chain 19.

As shown in FIG. 4, the user terminal 11 includes a storage unit 1101, a processing unit 1102, an input unit 1103, and an output unit 1104. That is, the user terminal 11 has a basic configuration of a server and a computer, and can be a smartphone, a PC, a tablet terminal, a mobile phone, or the like. The user terminal 11 functions as an SPV client that partially receives blockchain data from the key virtual currency management server 12 and processes it.

The processing unit 1102 includes means for performing arithmetic processing such as a CPU. By executing the point exchange program or the like stored in the storage unit 1101, the processing unit 1102 realizes the processing related to the point exchange or the like in the present embodiment. The storage unit 1101 includes storage means such as a semiconductor memory and a hard disk. The storage unit 1101 is accessiblely connected to the processing unit 1102 and stores data and the like to be used for various processes. The input unit 1103 includes means for inputting information to the user terminal 11. The input unit 1103 includes, for example, a touch panel or keyboard that receives input from the user. In addition, the input unit 1103 includes a network interface or the like that receives information from the outside of the user, and receives data to be processed. The output unit 1104 includes means for outputting the information processed by the user terminal 11. The output unit 1104 includes, for example, a display that presents an image to the administrator. Further, the output unit 1104 includes a network interface and the like for transmitting information and the like to the outside of the user terminal 11 via the communication line 18.

The key virtual currency management server 12 preferably includes a customer information master which is a database of customer information, a virtual currency information master which is a database of virtual currency information, a transaction history master which is a database of transaction history, and an exchange rate database. It has an exchange rate master as a storage means. The customer information master includes, for example, a user ID, a name / name, an email address, an account number, a password, an address, a telephone number, a credit card information, and the like. The customer information master is shown in FIG. 9, for example. Examples include those that are used. The exchange condition master includes, for example, an exchange source point, an exchange destination point, an exchange rate, and other exchange conditions, and examples of the exchange condition master include those shown in FIG. The virtual currency information master includes, for example, an issue date, a user ID, an amount, a cumulative amount, and the like, and examples of the virtual currency information master include those shown in FIG. The transaction history master includes, for example, a date and time of use, a user ID, points, transaction details, and the like, and examples of the transaction history master include those shown in FIG. The exchange rate master includes, for example, the date and time and the exchange rate of the corresponding country, and examples of the exchange rate master include those shown in FIG.
The key virtual currency management server 12 functions as a full node server that holds all the data of the block chain that manages the exchange (transaction) of the base virtual currency. The base virtual currency management server 12 performs a process of managing the exchange history and the like of the base virtual currency with the user terminal 11 and the like via the communication line 18. The base virtual currency management server 12 stores and manages the transaction history of the exchange of the base virtual currency as a database by using, for example, a blockchain method. The transaction history database is shared (stored in each storage means) in the key virtual currency management server 12, the user terminal 11, and the like.

FIG. 5 is a diagram schematically showing a mode of exchanging for a key virtual currency, in which a user terminal 11 used by a user, two or more types of first points in a first country, and a second country are shown. The second point is provided with a key virtual currency management server 12 that manages exchangeable base virtual currencies, and the management server is connected to the exchange rate providing system 20 via a communication line 18. Point exchange provided with means for applying the exchange rate obtained from the exchange rate providing system 20 to the second point when exchanging the second point for the key virtual currency via the user terminal 11. Indicates the system. For example, a user who holds a second point in country B uses the user terminal 11 to execute a point exchange program stored in the user terminal 11 to process a process related to exchange for a key virtual currency. I do. As a suitable point exchange program, for example, a management server that can connect to a database that manages transaction information related to point transactions on the blockchain 19 can be exchanged for two or more types of first points in the first country. A program that allows a virtual currency to function as a means of exchanging a second point of a second country using an exchange rate from an exchange rate providing system. The second point management server 15 preferably uses a customer information master, which is a database of customer information, a point information master, which is a database of second point information, and a transaction history master, which is a database of transaction history, as storage means. Have. Here, the customer information master, the point information master, and the transaction history master may be the same as described above. The key virtual currency management server 12 and the second point management server 15 store and manage the transaction history of the exchange between the key virtual currency and the second point as a database, respectively, by using, for example, a blockchain method. .. The transaction history database is shared (stored in each storage means) by the key virtual currency management server 12, the second point management server 15, the user terminal 11, and the like.

FIG. 6 is a diagram schematically showing a mode of exchanging the key virtual currency for the first point, and is a user terminal 11, a key virtual currency management server 12, and a first point (A1) management server 13. And the first point (A2) management server 14, each of which is connected via a communication line 18. For example, a user who has a key virtual currency that has come from country B to country A can use the user terminal 11 to execute a point exchange program stored in the user terminal 11 to perform the point exchange program from the key virtual currency. Process related to exchange to the first point (A1, A2). The first point management servers 13 and 14 preferably store a customer information master which is a database of customer information, a point information master which is a database of the first point information, and a transaction history master which is a database of transaction history. Have in the means. Here, the customer information master and the transaction history master may be the same as described above. Further, the point information master includes, for example, an issue date, a user ID, the number of points, accumulated points, and the like, and examples of the point information master include those shown in FIG. The key virtual currency management server 12, the first point (A1) management server 13, and the first point (A2) management server 14 are, for example, the key virtual currency and the first point (A2) using a blockchain method. The transaction history of exchanges with points (A1, A2) is stored and managed as a database. The transaction history database is shared (stored in each storage means) by the key virtual currency management server 12, the first point (A1) management server 13, the first point (A2) management server 14, the user terminal 11, and the like. NS. With this configuration, as shown in FIG. 7, the user 111 can exchange the key virtual currency for the first point (A1, A2) at any time in country A, and thus is an A1 point dealer. At 131, A1 points can be used, and at A2 point dealer 141, A2 points can be used at any time.

Here, a blockchain preferably used in the present invention will be described. The block acts as a transaction database that contains information about the exchange of points. Specifically, each block contains a list of transactions that are digest data and information about the transaction. The digest data includes a new hash value calculated from the previous block. That is, as shown in FIG. 8, by including the hash value calculated from the information contained in the previous block, each block is stored as a transaction database (blockchain) in a state of being connected like a chain. Will be done. The transaction history database is not managed only by the server, but is verified and added by the user terminal or the like.

A transaction is data that records the exchange of points. A transaction includes input information and output information. The input information is the output information of the transaction when the user who is the exchange source receives the exchange of the points to be traded (identification information for identifying the transaction (transaction hash value, array number, etc.)) and the user. Contains information to prove that the player owns the point (such as a script that meets the conditions for using the output). The output information includes information such as the type and number of exchanged points, a script for using the exchanged points at the address specifying the exchange destination, and the like.

The point redemption method, point redemption system and program of the present invention can be used for international point redemption.

1 Login screen 2 Home screen 3 QR code display screen 4 Exchange screen for basic virtual currency 5 Exchange screen from basic virtual currency 6 Screen for purchasing basic virtual currency 11 User terminal 11a QR code display screen 12 Key virtual currency Management server 13 Points in country A (A1) Management server 14 Points in country A (A2) Management server 15 Point management server in country B 18 Communication line 19 Blockchain 20 Exchange rate provision system 111 Users 120 Stores 121 Store terminals 130 Settlement Machine 131 A1 point dealer 141 A2 point dealer 1101 Storage unit 1102 Processing unit 1103 Input unit 1104 Output unit

Claims (10)

In the point exchange method, a key virtual currency that can be exchanged for the first point of the first country, the first securities, or the first currency is prepared, and the key virtual currency and the second country of the second country are prepared. A point exchange method characterized in that two points, a second securities or a second currency are exchanged by applying an exchange rate. After exchanging the key virtual currency with the second point, the second securities or the second currency, the key virtual currency is exchanged with the first point, the first securities or the first currency. The point exchange method according to claim 1. Claim 1 in which the first securities are digital securities, the first currency is a digital currency, the second securities are digital securities, and the second currency is a digital currency. Or the point exchange method according to 2. The point exchange method according to any one of claims 1 to 3 using a blockchain. The user terminal used by the user and the first point of the first country, the first security or the first currency and the second point of the second country, the second securities or the second A management server that manages a key virtual currency that can be exchanged for currency is provided, and the management server is connected to an exchange rate providing system via a communication line, and the second management server is connected to the user terminal via a communication line. When exchanging points, second securities or second currency for the key virtual currency, the exchange rate obtained from the exchange rate providing system is used as the second point, second securities or second currency. A point exchange system characterized by having means to apply to. The point exchange system according to claim 5, wherein the communication line includes a telephone network or an Internet network. Claim 5 where the first security is a digital security, the first currency is a digital currency, the second security is a digital security, and the second currency is a digital currency. Or the point exchange system according to 6. The point exchange system according to any one of claims 5 to 7, further comprising a means for exchanging the key virtual currency for the first point, the first securities, or the first currency via the user terminal. .. The point exchange system according to any one of claims 5 to 8, further comprising a means for using a blockchain for managing the key virtual currency. A management server that can connect to a database that manages transaction information related to point transactions on a blockchain is used as a key virtual currency that can be exchanged for the first point, first securities, or first currency of the first country. A program that allows a second point in a second country, a second security or a second currency to function as a means of exchanging at an exchange rate.

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