JP2022103393A - Digital currency cash-in system, digital currency cash-in method, and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a digital currency cash-in system configured so that a delivery company having a payment with digital currency may benefit from holding the digital currency.

SOLUTION: A digital currency cash-in system 1 for cashing in digital currency manages a predetermined period in which the digital currency is cashed in, and discounts, when receiving a cash-in instruction before the managed predetermined period passes, a predetermined discount rate from a predetermined cash-in rate, to cash in the digital currency.

SELECTED DRAWING: Figure 1

COPYRIGHT: (C)2022,JPO&INPIT

Description

The present invention relates to a digital currency conversion system for converting digital currency, a digital currency conversion method and a program.

In recent years, digital currencies (for example, cryptocurrencies, crypto assets, electronic money), which are currencies that can be used digitally, have been used in various usage situations such as online shopping, payment at convenience stores and restaurants, and transportation.

As a prior art that enhances the convenience of digital currency, for example, a technique for automatically exchanging a digital currency that can be used on a mobile terminal into a digital currency at a place of stay is disclosed (see Patent Document 1). According to the present invention, a digital currency suitable for the currency of stay can be easily used as a currency used by consumers.

JP-A-2007-26274

In this way, digital currencies are being promoted in consumer transactions and online personal transactions, but are not widely used in business-to-business transactions. One of the reasons for this is that when a company uses digital currency, it has to manage both cash and digital currency assets, resulting in an increase in management man-hours.

However, it is desirable that digital currencies are also used in business-to-business transactions due to the convenience of payment.
For example, in the logistics industry, if the digital currency is issued by a financial institution or a company with high credit (credit card operating company, etc.) to the delivery company that outsourced the delivery, the value relative to the legal currency is stable ( Or fixed), so you can make payments faster than cash and with credit as a currency. As shown in FIG. 2, conventionally, when the delivery orderer outsources the delivery business to the delivery company, when the delivery by the delivery company is completed, the payment of the delivery business is made by the bank at the end of the following month of the delivery completion date. It is done by transfer etc. In this way, the delivery company has a time lag from the completion of delivery to the transfer to the bank, and the immediacy of payment to the delivery company is impaired. However, it is desirable for financial institutions to be able to complete payments to the delivery company in digital currency as soon as the delivery company completes the business. Therefore, it has been proposed to transfer money from a financial institution to a delivery company in digital currency immediately after the delivery is completed.

However, in this case, the delivery company says that when payment is made in digital currency, asset management in digital currency will increase the management manpower as described above, so it will be immediately converted into cash and will not hold the asset in digital currency. There are challenges.

Therefore, the present inventor is a system in which when a delivery company receives payment in digital currency, it is more advantageous for the delivery company to hold the digital currency than to convert it into cash (legal tender such as yen or US dollar). We focused on the need for methods and methods.

It is an object of the present invention to provide a digital currency exchange system, a digital currency exchange method and a program in which a delivery company paid in a digital currency has an advantage in holding the digital currency.

The present invention provides the following solutions.

The present invention is a digital currency exchange system for exchanging digital currencies.
The invention according to the first feature includes a management unit that manages a predetermined period for cashing the digital currency, and a management unit.
When a cashing instruction is received before the lapse of the controlled predetermined period, the first cashing unit that discounts the predetermined discount rate from the predetermined cashing rate and redeems the digital currency, and
Provides a digital currency exchange system equipped with.

According to the invention according to the first feature, the digital currency exchange system for exchanging digital currency manages a predetermined period for exchanging the digital currency, and receives an instruction for exchange before the elapse of the controlled predetermined period. In that case, the digital currency is converted into cash by discounting a predetermined discount rate from the predetermined conversion rate.

The invention according to the second feature is an invention according to the first feature, further comprising a second cashing unit for cashing the digital currency at a predetermined cashing rate when it is determined that the predetermined period has elapsed. Provides a digital currency exchange system that is.

According to the invention according to the second feature, the digital currency cashing system according to the first feature converts the digital currency at a predetermined cashing rate when it is determined that the predetermined period has passed. Cash in.

The invention according to the third feature provides the digital currency cashing system according to the first feature, further comprising a predetermined period notification unit for notifying the recipient of the digital currency of the predetermined period.

According to the invention according to the third feature, the digital currency cashing system according to the first feature notifies the recipient of the digital currency of the predetermined period.

The invention according to the fourth feature provides a digital currency cashing system according to the first feature, in which the management unit manages a predetermined period for cashing in association with the amount of money to be cashed.

According to the invention according to the fourth feature, the digital currency cashing system according to the first feature manages a predetermined period for cashing in association with the amount to be cashed.

The invention according to the fifth feature provides the digital currency cashing system according to the first feature, further comprising a discount rate changing unit that changes the predetermined discount rate according to the lapse of the predetermined period.

According to the invention according to the fifth feature, the digital currency exchange system according to the first feature changes the predetermined discount rate according to the lapse of the predetermined period.

The invention according to the sixth feature provides the digital currency cashing system according to the first feature, in which the start timing of the predetermined period is the time of issuance or transfer of the digital currency.

According to the invention according to the sixth feature, the digital currency cashing system according to the first feature sets the start timing of the predetermined period at the time of issuance or transfer of the digital currency.

The invention according to the seventh feature is an invention according to any one of the first or second features, further comprising a determination unit for determining the predetermined period with reference to the contract data of the recipient of the digital currency. Provide a cashing system.

According to the invention according to the seventh feature, the digital currency cashing system, which is the invention according to either the first or the second feature, determines the predetermined period with reference to the contract data of the recipient of the digital currency. do.

In the invention according to the eighth feature, the end timing of the predetermined period is the timing when the payer of the digital currency transfers cash to the account of the recipient of the digital currency. Provided is a digital currency cashing system which is an invention relating to any one of the above features.

According to the invention according to the eighth feature, in the digital currency cashing system which is the invention according to either the first or the second feature, the person who pays the digital currency sets the end timing of the predetermined period to the digital. It is the timing when cash is transferred to the account of the recipient of the currency.

The invention according to the ninth feature further comprises an acquisition unit that acquires a notification from the recipient of the digital currency, and the transfer unit transfers the digital currency based on the acquired notification. Provided is a digital currency cashing system which is an invention relating to any one of the features.

According to the invention according to the ninth feature, the digital currency cashing system, which is the invention according to any one of the first or second features, transfers the digital currency based on the acquired notification.

The invention according to the tenth feature provides a digital currency cashing system according to the first or second feature, in which the discount rate is set according to the credit data of the payer of the digital currency. ..

According to the invention according to the tenth feature, the digital currency cashing system according to the invention according to either the first or the second feature sets the discount rate according to the credit data of the person who pays the digital currency. do.

The invention according to the eleventh feature provides a digital currency cashing system according to the first or second feature, which reduces the discount rate with the passage of time from the time of transfer of the digital currency.

According to the invention according to the eleventh feature, the digital currency cashing system according to the invention according to either the first or the second feature reduces the discount rate with the passage of time from the time of transfer of the digital currency. ..

Although the present invention is in the category of systems, the same actions and effects are exhibited in other categories such as computers, methods and programs according to the categories.

The present invention is a digital currency exchange system for exchanging digital currencies.
The issuer that issues digital currency for payment from the delivery orderer to the delivery company,
A transfer unit that transfers the issued digital currency to the delivery company's account,
A reception unit that accepts cashing instructions for cashing the digital currency from the delivery company,
If a cashing instruction is received from the delivery company before the lapse of a predetermined period, a predetermined discount rate is applied to the predetermined cashing rate to convert the digital currency into the first cashing unit.
If the delivery company does not receive a cashing instruction before the lapse of a predetermined period, the delivery company is provided with a second cashing unit for cashing the digital currency based on a predetermined cashing rate after the lapse of the predetermined period. It provides a digital currency exchange system characterized by this.

According to the present invention, the digital currency exchange system issues digital currency for payment from the delivery orderer to the delivery company, and transfers the issued digital currency to the delivery company's account. Then, if the delivery company accepts the conversion instruction to convert the digital currency and receives the conversion instruction from the delivery company before the lapse of the predetermined period, the predetermined discount rate is applied to the predetermined conversion rate. , Redeem the digital currency.
On the other hand, if the delivery company does not receive a cashing instruction before the lapse of the predetermined period, the digital currency is cashed based on the predetermined cashing rate after the lapse of the predetermined period.

INDUSTRIAL APPLICABILITY According to the present invention, a digital currency exchange system, a digital currency exchange method and a program, which are beneficial to digital currency holders by quickly paying a delivery company in digital currency and holding the digital currency for a certain period of time, are provided. It becomes possible to do.

FIG. 1 is a diagram showing an outline of the digital currency exchange system 1. FIG. 2 is a conceptual diagram for explaining payment in digital currency. FIG. 3 is an overall configuration diagram of the digital currency exchange system 1. FIG. 4 is a diagram showing a flowchart of a transfer process executed by the computer 10. FIG. 5 is a diagram showing a flowchart of a period / discount rate notification process executed by the computer 10. FIG. 6 is a diagram showing a flowchart of an automatic cashing process executed by the computer 10. FIG. 7 is a diagram showing a flowchart of a manual cashing process executed by the computer 10. FIG. 8 is a diagram schematically showing the transition of the discount rate. FIG. 9 is a diagram schematically showing the transition of the discount rate. FIG. 10 is a diagram schematically showing the transition of the discount rate.

Hereinafter, the best mode for carrying out the present invention will be described with reference to the drawings. It should be noted that this is just an example, and the technical scope of the present invention is not limited to this.

[Overview of Digital Currency Cashing System 1]
An outline of a preferred embodiment of the present invention will be described with reference to FIG. FIG. 1 is a diagram for explaining an outline of a digital currency cashing system 1 which is a preferred embodiment of the present invention. The digital currency exchange system 1 is driven by a computer 10 managed by a financial institution (for example, a government-affiliated financial institution, a bank, a city bank, a local bank, an insurance company, a non-bank, a credit card operating company, etc.) (hereinafter, a financial institution). It is a computer system that can be configured to convert digital currencies.

The digital currency exchange system 1 includes a delivery orderer terminal managed by a delivery orderer, a delivery company terminal managed by a delivery company, a subcontractor delivery company terminal managed by a subcontractor delivery company further outsourced by the delivery company, and other terminals. Terminals, devices, etc. may be included. In this case, the digital currency cashing system 1 is composed of the computer 10 and any one or a plurality of combinations of the above-mentioned terminals and devices for the processing described later.

The computer 10 is a computer having a server function, a personal computer, or the like, and has data with the above-mentioned delivery orderer terminal, delivery company terminal, subcontractor delivery company terminal, other terminals, devices, etc., via a public network or the like. It is connected to be communicable and performs necessary data transmission / reception and various processing.

The computer 10 may be realized by, for example, one computer, or may be realized by a plurality of computers such as a cloud computer. The term "cloud computer" as used herein includes a computer that uses an arbitrary computer in a scalable manner when performing a specific function, and a plurality of functional modules for realizing a certain system, and the functions are freely combined and used. Any of them may be used.

The computer 10 includes a CPU (Central Processing Unit), a GPU (Graphics Processing Unit), a RAM (Random Access Memory), a ROM (Read Only Memory), etc. as a control unit, and has other terminals, devices, and the like as a communication unit. It includes a device for enabling communication, for example, a Wi-Fi (Wi-Filess-Fidelity) compatible device conforming to IEEE802.11. Further, the computer 10 includes a data storage unit such as a hard disk, a semiconductor memory, a recording medium, and a memory card as a recording unit. Further, the computer 10 includes various devices and the like that execute various processes as a processing unit.

As shown in FIG. 3, in the computer 10, the control unit reads a predetermined program, and in cooperation with the communication unit, the issuance request acquisition module 20, the delivery completion notification acquisition module 21, the transfer request acquisition module 22, and the notification. The module 23 and the cashing instruction receiving module 24 are realized. Further, in the computer 10, the control unit reads a predetermined program and cooperates with the recording unit to realize the recording module 30. Further, in the computer 10, the control unit reads a predetermined program, and in cooperation with the processing unit, the digital currency issuing module 40, the first transfer information specifying module 41, the transfer module 42, the period determination module 44, and the discount. The rate setting module 45, the discount transition information specific module 46, the period determination module 47, the first cash module 48, and the second cash module 49 are realized.

The computer 10 issues a digital currency for payment from the delivery orderer to the delivery company. A digital currency is a currency that can be used digitally and can be exchanged for legal tender. For example, it may be a cryptocurrency, a crypto asset, electronic money, or a token.

For example, the computer 10 issues a digital currency based on a request for issuing a digital currency from a delivery orderer. The delivery orderer terminal accepts the input of the issuance request from the delivery orderer. This issuance request may include, for example, data of a delivery orderer's identifier, a digital currency type, a digital currency issuance amount, a delivery company's identifier, and a delivery company's transfer destination information (deposit type, account number, name). .. The computer 10 issues a digital currency based on this issuance request.

The computer 10 transfers the issued digital currency to the account of the delivery company.
For example, the computer 10 transfers the digital currency for which the issuance request has been made to the delivery company's account by acquiring the delivery completion notification from the delivery company.
When the delivery of the delivered product for which the delivery request has been received is completed, the delivery company terminal sends a delivery completion notification to the computer 10. By receiving this delivery completion notification, the computer 10 obtains the delivery completion notification from the delivery company. Based on this delivery completion notification, the computer 10 transfers the issued digital currency to the delivery company's account.

The computer 10 receives a cashing instruction for cashing the digital currency from the delivery company.
For example, the computer 10 receives a cashing instruction for cashing a digital currency from a delivery company terminal. The delivery company terminal accepts the input of the cashing instruction. The delivery company terminal transmits this cashing instruction to the computer 10. Upon receiving this cashing instruction, the computer 10 receives a cashing instruction for cashing the digital currency from the delivery company.

If the computer 10 receives this conversion instruction before the lapse of a predetermined period, the computer 10 applies a predetermined discount rate to a predetermined conversion rate (for example, equivalent 100%) to convert the transferred digital currency into cash. do. The predetermined period is a preset period. Here, the computer 10 cashes the digital currency based on a predetermined discount rate at the timing when the cashing instruction is received.

On the other hand, the computer 10 converts the digital currency into cash based on the conversion rate at which the discount is not performed after the lapse of a predetermined period. The computer 10 may automatically convert the digital currency after the elapse of the predetermined period, or may exchange the digital currency at the timing when the exchange instruction is received after the elapse of the predetermined period.

In this embodiment, cashing means cashing, but it can be applied by replacing it with "cash" described in this embodiment even for an asset having a fixed exchange ratio with cash.

The computer 10 can also be configured to notify the delivery company of this predetermined period. In this case, the computer 10 transmits this predetermined period to the delivery company terminal. The delivery company terminal receives this predetermined period and notifies the delivery company of the predetermined period by displaying it on its own display unit or emitting a sound from the voice unit. As a result, the computer 10 notifies the delivery company of this predetermined period.

Next, the outline of the process executed by the computer 10 will be described.

The computer 10 issues a digital currency for payment from the delivery orderer to the delivery company (step S01). That is, the computer 10 issues the digital currency based on the digital currency issuance request acquired from the delivery orderer who has entrusted the delivery to the delivery company. The issuance request is as described above.

The computer 10 transfers the issued digital currency to the account of the delivery company (step S02). For example, the computer 10 transfers the issued digital currency to the account of the delivery company by acquiring the delivery completion notification from the delivery company terminal.

The computer 10 receives a cashing instruction for cashing the digital currency (in cash) from the delivery company (step S03). That is, the computer 10 receives a cashing instruction from the delivery company terminal.

When the computer 10 receives a cashing instruction before the elapse of the predetermined period, the computer 10 applies a predetermined discount rate to the predetermined cashing rate and cashes the transferred digital currency (step S04).

On the other hand, after the lapse of a predetermined period, the computer 10 converts the transferred digital currency into cash based on a predetermined conversion rate (step S05). As will be described later, the predetermined conversion rate may be 100%, which is equivalent, but when the discount rate does not become 0 at the end of the predetermined period as in the "minimum discount rate" described later. , The predetermined conversion rate may be a value obtained by subtracting the minimum discount rate from the equivalent 100%.

[Digital currency transfer processing]
The transfer process executed by the computer 10 will be described with reference to FIG. FIG. 4 is a diagram showing a flowchart of a transfer process executed by the computer 10. The process executed by each of the above-mentioned modules will be described together with this process. This transfer process is the details of the above-mentioned digital currency issuance process (step S01) and digital currency transfer process (step S02).

The issuance request acquisition module 20 acquires an issuance request requesting issuance of digital currency for payment to the delivery company from the delivery orderer (step S10). That is, the delivery orderer terminal accepts the input of the issuance request. The delivery orderer terminal transmits the received issuance request to the computer 10. The issuance request acquisition module 20 acquires an issuance request from the delivery orderer by receiving this issuance request.

The digital currency issuing module 40 issues a digital currency based on this issuance request (step S11). In step S11, the digital currency issuing module 40 issues the digital currency based on the type of the digital currency and the issuance amount of the digital currency in the acquired issuance request.

The recording module 30 records the acquired issuance request and the issued digital currency as transfer information (step S12). In step S12, the recording module 30 records the issuance request, the digital currency, the issue date, and the like as transfer information in association with each other.

Next, when the delivery of the delivered product is completed, the delivery company terminal accepts the input of the content indicating the completion of the delivery, and sends this to the computer 10 as the delivery completion notification. The delivery completion notification acquisition module 21 acquires a delivery completion notification from the delivery company (step S13). The delivery completion notification is a notification indicating that the delivery company has completed the delivery of the delivered product, and is associated with the delivery company's identifier.

The first transfer information specifying module 41 identifies the digital currency to be transferred to the account and the account of the delivery company to be the transfer destination based on the acquired delivery completion notification (step S14). In step S14, the first transfer information specifying module 41 specifies an account to transfer digital currency from the transfer information recorded by the process of step S12 described above. Further, the first transfer information specifying module 41 may specify the digital currency to be transferred to the account based on the digital currency in the specified transfer information. Next, the transfer module 42 transfers the digital currency to the account of the specified delivery company (step S15).

In the following explanation, the digital currency transferred to the delivery company will be explained, but the delivery company of the digital currency to be redeemed is not only the primary contract delivery company directly contracted from the dividend orderer, but also the grandchild delivery company. , N subcontractor delivery company (n ≧ 3) is included. That is, the digital currency exchange system 1 may exchange the digital currency transferred by each of the subcontractor delivery company, the nth subcontractor delivery company, and the like.

The digital currency exchange system 1 performs the exchange processing described with reference to FIGS. 6 and 7 with respect to the digital currency transferred by the above-mentioned transfer process.

[Period / discount rate notification processing]
A period / discount rate notification process executed by the computer 10 will be described with reference to FIG. FIG. 5 is a diagram showing a flowchart of a period / discount rate notification process executed by the computer 10.

After the transfer process is performed, the period determination module 44 determines the period to which the discount rate is applied as a predetermined period when the delivery company redeems the digital currency (step S30). In step S30, the period determination module 44 determines the start timing and the end timing of the predetermined period, respectively.

Regarding the start timing of the predetermined period, the period determination module 44 sets either the time when the digital currency is issued by the process of step S11 described above or the time when the digital currency is transferred to the account by the process of step S15 described above for the predetermined period. It may be determined as the start timing.

Regarding the end timing of the predetermined period, the period determination module 44 may determine a preset fixed period (for example, the end of the following month or the end of the following month when the delivery notification is obtained) as the end timing of the predetermined period. That is, in this case, the predetermined period may be a fixed period preset by the financial institution or the delivery company.

The end timing of the predetermined period may be the time when the delivery orderer transfers cash or the like to the delivery company's account. That is, the computer 10 notifies that the delivery orderer has made a payment from the delivery orderer terminal, or that the delivery orderer terminal, the ATM, the bank counter, etc. have paid for the consignment work of the delivery company. When it is received, it may be the end timing of the predetermined period.

In addition, the period determination module 44 may determine the predetermined period by referring to the contract data (previously recorded in the recording unit) previously agreed between the financial institution and the delivery company. That is, the period determination module 44 determines the start timing and end timing of this predetermined period set in the contract data as the start timing and end timing of the predetermined period.

The discount rate setting module 45 sets a predetermined discount rate in the determined predetermined period (step S31). In step S31, the discount rate may be a fixed value preset by the financial institution within a predetermined period, or may be a function of time as described later.

The discount rate may be set according to the credit data of the delivery orderer. The credit data is data indicating the creditworthiness of the computer 10 for trusting the payment from the delivery orderer, and is predetermined based on the savings amount of the delivery orderer's account, past deposit / withdrawal data, and the like. The computer 10 may set the discount rate of the delivery company entrusted by the delivery orderer based on the credit data. That is, the discount rate may be set in comparison with the credit data of other delivery orderers.

A case where the discount rate is a fixed value (FIG. 8) and a case where the discount rate is a function of time (FIGS. 9 and 10) will be described with reference to FIGS. 8 to 10.
FIG. 8 is a diagram schematically showing the transition of the cash amount when the discount rate is a fixed value. It is a graph in which the vertical axis is the amount of money (yen) to be redeemed and the horizontal axis is time. In FIG. 8, during the predetermined period (from point 130 to point 140), the amount of money indicated by the line segment 150 is converted into cash, and after the predetermined period elapses (point 160 or later), a predetermined conversion rate (in the case of FIG. 8) is obtained. Is converted (in cash) for the amount of money equivalent to 100%). The discount amount is the amount from the line segment 150 to the point 160, and the discount amount = the product of the predetermined cash amount and the discount rate.

In this case, the delivery company will be converted into cash at a predetermined conversion rate without applying the discount if it is converted into cash after the specified period, so there is an incentive to keep the digital currency until the specified period. Works.

As shown in FIG. 9, the discount rate is not a fixed value but a function of time, and may decrease (the amount to be redeemed increases) with the passage of time, for example. That is, as shown in FIG. 9, the discount rate decreases with the passage of time, so that the delivery company has an incentive to keep the digital currency as conscious as possible for a long time. For example, as will be described later, when the delivery company is notified when the discount rate is changed, the delivery company can utilize the digital currency and cash in consideration of the balance of expenditure.

The discount rate may not be set to 0 at the end of the predetermined period (point 220), and a fixed discount amount may be set as the minimum discount rate. In this case, the financial institution can obtain the discount amount calculated at the minimum discount rate at the end of the predetermined period. That is, in this case, the "predetermined conversion rate" after the end of the predetermined period is not equivalent, but is a value obtained by subtracting the minimum discount rate from the equivalent 100%. As shown in FIG. 10, a fixed period (first period, second period) within a predetermined period may be a fixed value, and the remaining period (third period) may be a function of time.

Returning to FIG. 5, the period / discount rate notification process will be described.
Following step S31, in step S32, the recording module 30 has a predetermined period determined by the process of step S30 described above, a discount rate set by the process of step S31 described above, a delivery company identifier, a delivery company account, and digital. The type of currency, the amount issued, the predetermined conversion rate, etc. are associated and recorded as discount transition information.

Next, the notification module 23 notifies the delivery company of the predetermined period and the discount rate in step S33. That is, the notification module 23 transmits this notification to the delivery company terminal, and the delivery company terminal receives this notification and displays it on its own display unit or outputs it from the voice unit.
As shown in the graphs of FIGS. 8 to 10 described above, the data that visualizes the predetermined period and the discount rate, the data that displays the predetermined period and the discount rate on a date such as a calendar, and the predetermined period and the discount rate are written as characters. The data displayed by the or symbol may be notified to the delivery company.

The notification module 23 may notify the delivery company of the changed discount rate each time the discount rate is changed with the passage of time. That is, the notification module 32 transmits to the delivery company terminal each time the changed discount rate is changed. Here, when the discount rate is a function of time, notification may be given periodically, for example, every hour, every day, every week, or the like.

[Automatic cash processing]
An automatic cashing process executed by the computer 10 will be described with reference to FIG. FIG. 6 is a diagram showing a flowchart of an automatic cashing process executed by the computer 10.

First, the period determination module 47 refers to the discount transition information recorded for each delivery company, and determines whether or not the predetermined period determined for each delivery company has elapsed (step S40). Then, when the period determination module 47 determines that the predetermined period has passed (step S40 YES), the second cash module 49 automatically transfers the transferred digital currency based on the predetermined cash rate. Cash in (step S44). Here, as described above, the predetermined conversion rate may be an equivalent (100%) or a conversion rate in consideration of the minimum discount rate, and is a conversion rate preset based on the above-mentioned contract data. You can do it.

On the other hand, when the period determination module 47 determines that the predetermined period has not elapsed (step S40 NO), the cashing instruction receiving module 24 receives a cashing instruction for cashing the digital currency from the delivery company (step S41). In step S41, the cashing instruction receiving module 24 receives the cashing instruction from the delivery company terminal. When the cashing instruction is not received from the delivery company terminal in response to this reception (step S41 NO), the process is returned to step S40, and the period determination module 47 determines the elapse of the predetermined period.

On the other hand, when the cashing instruction is received from the delivery company terminal (step S41 YES), the cashing instruction receiving module 24 receives the delivery company's identifier from the delivery company terminal, and the discount transition information specifying module 46 receives the cashing company's identifier from this identifier. The discount transition information of this delivery company is specified (step S42). As described above, the discount transition information includes a predetermined period, a discount rate (a function of time instead of a fixed value as described above), a carrier identifier, a carrier account, a type of digital currency and an issue amount, and in advance. It is the data associated with the specified conversion rate and the like.

The first cashing module 48 refers to the specified discount transition information, and transfers the transferred digital currency based on the cashing rate obtained by applying a predetermined discount rate to a predetermined cashing rate (for example, equivalent 100%). Cashing (Step S43) As a result, the first cashing module 48 applies a predetermined discount rate to the predetermined cashing rate to cash the digital currency.

Here, if the cashing instruction is not an instruction to redeem the entire amount of the digital currency held by the delivery company but an instruction to redeem a part of the digital currency, this process is executed from step S40 for the remaining digital currency. It's okay. In this case, if there is a balance when the predetermined period elapses, as a result, the balance is automatically converted into cash by the process of step S44.

[Manual cash processing]
The manual cashing process executed by the computer 10 will be described with reference to FIG. 7. FIG. 7 is a diagram showing a flowchart of a manual cashing process executed by the computer 10. The difference between this process and the above-mentioned automatic cashing process is that in the automatic cashing process, the cashing process is automatically performed with the lapse of a predetermined period, and in the manual cashing process, a cashing instruction is given regardless of the lapse of the predetermined period. By receiving it, cash processing will be performed.

The cashing instruction receiving module 24 receives a cashing instruction for cashing a digital currency from a delivery company (step S50). In step S50, the cashing instruction receiving module 24 receives the cashing instruction from the delivery company terminal.

When the cashing instruction is actually received in response to this reception, the cashing instruction receiving module 24 receives the delivery company's identifier from the delivery company terminal, and the discount transition information specifying module 46 receives the delivery company's identifier from this identifier. The discount transition information is specified (step S51).

Next, the period determination module 47 refers to the specified discount transition information and determines whether or not the timing of receiving the cashing instruction is before the elapse of the predetermined period (step S52).

In step S52, when the period determination module 47 determines that the timing of receiving the cashing instruction is before the elapse of the predetermined period (step S52 YES), the first cashing module 48 has a predetermined cashing rate (for example,). , Equivalent 100%) is applied with a predetermined discount rate, and the transferred digital currency is converted into cash (step S53). As a result, the first conversion module 48 has a predetermined conversion rate. On the other hand, a predetermined discount rate is applied to convert the digital currency into cash.

On the other hand, in step S52, when the period determination module 47 determines that the timing of receiving the cashing instruction is after the elapse of the predetermined period (step S52 NO), that is, the timing of receiving the cashing instruction is the predetermined period. If it is later than the end timing, the second cashing module 49 cashes the transferred digital currency based on a predetermined cashing rate (step S54). In step S54, the predetermined conversion rate may be an equivalent (100%) or a conversion rate in consideration of the minimum discount rate, as described above, and may be a conversion rate preset based on the above-mentioned contract data. It may be there.

As described above, the digital currency exchange system 1 provides a discount rate for exchange for a predetermined period, so that the delivery company holds the digital currency for a certain period of time, the amount of exchanged amount increases. Therefore, the delivery company does not immediately convert the digital currency into cash, but has an incentive to hold it for a predetermined period of time, and can utilize the digital currency and cash in consideration of the balance of expenditure.

That is, for the delivery company, firstly, even if the digital currency is distributed as it is, the above-mentioned predetermined period, the predetermined conversion rate and the discount rate are managed, so that the equivalent cashing (cashing) is finally achieved. (When the rates are equivalent) is possible, and there is no danger of the digital currency crashing extremely. Secondly, since the delivery company terminal can receive and output information such as the above-mentioned predetermined period, predetermined cash rate, and discount rate, reliability can be ensured. Thirdly, since the transfer is made in digital currency immediately after the delivery company completes the delivery, the liquidity is improved. Fourth, as a result, the number of delivery companies that hold digital currencies will increase, and as a result, opportunities to circulate in digital currencies will increase. In addition, for financial institutions, it is possible for the delivery company to hold the funds as a digital currency for a certain period of time, and even if cash is exchanged, the financial institution will apply the discount rate and pay the prescribed cost during that period. You can get it.

The above-mentioned means and functions are realized by a computer (including a CPU, an information processing device, and various terminals) reading and executing a predetermined program. The program may be provided, for example, in the form of being provided from a computer via a network (Software as a Service) or in a cloud service. Further, the program is provided in a form recorded on a computer-readable recording medium such as a CD (CD-ROM or the like) or a DVD (DVD-ROM, DVD-RAM or the like). In this case, the computer reads the program from the recording medium, transfers it to an internal recording device or an external recording device, records the program, and executes the program. Further, the program may be recorded in advance on a recording device (recording medium) such as a magnetic disk, an optical disk, or a magneto-optical disk, and the program may be provided from the recording device to a computer via a communication line.

Although the embodiments of the present invention have been described above, the present invention is not limited to these embodiments described above. Further, the effects described in the embodiments of the present invention merely list the most suitable 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.

(1) A digital currency exchange system that converts digital currency.
The issuer that issues digital currency for payment from the delivery orderer to the delivery company,
A transfer unit that transfers the issued digital currency to the delivery company's account,
A reception unit that accepts cashing instructions for cashing the digital currency from the delivery company,
If a cashing instruction is received from the delivery company before the lapse of a predetermined period, a predetermined discount rate is applied to the predetermined cashing rate to convert the digital currency into the first cashing unit.
If the delivery company does not receive a cashing instruction before the lapse of the predetermined period, after the lapse of the predetermined period, the second cashing unit for cashing the digital currency based on the predetermined cashing rate, and
A digital currency exchange system characterized by being equipped with.

(2) A digital currency exchange system that converts digital currency.
The issuer that issues digital currency for payment from the delivery orderer to the delivery company,
A transfer unit that transfers the issued digital currency to the delivery company's account,
A reception unit that accepts cashing instructions for cashing the digital currency from the delivery company,
If a cashing instruction is received from the delivery company before the lapse of a predetermined period, a predetermined discount rate is applied to the predetermined cashing rate to convert the digital currency into the first cashing unit.
After the lapse of a predetermined period, when a cashing instruction is received from the delivery company, a second cashing unit that cashes the digital currency based on a predetermined cashing rate, and
A digital currency exchange system characterized by being equipped with.

(3) The digital currency exchange system according to (1) or (2), wherein the start timing of the predetermined period is at the time of issuance or transfer of the digital currency.

(4) The digital currency exchange system according to (1) or (2), further comprising a determination unit for determining the predetermined period with reference to the contract data of the delivery company.

(5) The digital currency exchange system according to (1) or (2), wherein the end timing of the predetermined period is the timing when the delivery orderer transfers cash to the account of the delivery company. ..

(6) The digital currency exchange system according to (1) or (2), further comprising a notification unit for notifying the delivery company of the predetermined period.

(7) The transfer unit further includes an acquisition unit for acquiring a delivery completion notification from the delivery company, and the transfer unit transfers the digital currency based on the acquired delivery completion notification (1) or (2). ) Described in the digital currency exchange system.

(8) The digital currency exchange system according to (1) or (2), wherein the discount rate is set according to the credit data of the delivery orderer.

(9) The digital currency exchange system according to (1) or (2), wherein the discount rate decreases with the passage of time from the time of transfer of the digital currency.

(10) A digital currency exchange method executed by a digital currency exchange system for exchanging digital currency.
Steps to issue digital currency for payment from the delivery orderer to the delivery company,
The step of transferring the issued digital currency to the delivery company's account,
A step of receiving a cashing instruction for cashing the digital currency from the delivery company,
If a cashing instruction is received from the delivery company before the lapse of a predetermined period, the step of applying a predetermined discount rate to the predetermined cashing rate and redeeming the digital currency, and
If the delivery company does not receive a cashing instruction before the lapse of the predetermined period, the step of redeeming the digital currency based on the predetermined conversion rate after the lapse of the predetermined period, and
A digital currency conversion method characterized by being equipped with.

(11) A digital currency exchange method executed by a digital currency exchange system for exchanging digital currency.
Steps to issue digital currency for payment from the delivery orderer to the delivery company,
The step of transferring the issued digital currency to the delivery company's account,
A step of receiving a cashing instruction for cashing the digital currency from the delivery company,
If a cashing instruction is received from the delivery company before the lapse of a predetermined period, the step of applying a predetermined discount rate to the predetermined cashing rate and redeeming the digital currency, and
After the lapse of a predetermined period, when a cashing instruction is received from the delivery company, a step of cashing the digital currency based on a predetermined cashing rate and a step of cashing the digital currency.
A digital currency conversion method characterized by being equipped with.

(12) To a computer that converts digital currency
Steps to issue digital currency for payment from the orderer to the carrier,
The step of transferring the issued digital currency to the delivery company's account,
A step of receiving a cashing instruction to redeem the digital currency from the delivery company,
If a cashing instruction is received from the delivery company before the lapse of a predetermined period, a predetermined discount rate is applied to a predetermined cashing rate to redeem the digital currency.
If the delivery company does not receive a cashing instruction before the lapse of a predetermined period, the step of redeeming the digital currency based on a predetermined conversion rate after the lapse of the predetermined period.
A computer-readable program for running.

(13) To a computer that converts digital currency
Steps to issue digital currency for payment from the orderer to the carrier,
The step of transferring the issued digital currency to the delivery company's account,
A step of receiving a cashing instruction to redeem the digital currency from the delivery company,
If a cashing instruction is received from the delivery company before the lapse of a predetermined period, a predetermined discount rate is applied to a predetermined cashing rate to redeem the digital currency.
A step of redeeming the digital currency based on a predetermined cashing rate when a cashing instruction is received from the delivery company after the lapse of a predetermined period.
A computer-readable program for running.

1 Digital currency exchange system,
10 Computer 20 Issuance request acquisition module 21 Delivery completion notification acquisition module 22 Transfer request acquisition module 23 Notification module 24 Cash instruction reception module 30 Recording module 40 Digital currency issuance module 41 First transfer information identification module 42 Transfer module 44 Period determination module 45 Discount rate setting module 46 Discount transition information specific module 47 Period judgment module 48 1st cash module 49 2nd cash module

Claims (13)

It is a digital currency exchange system that converts digital currency.
The management department that manages the predetermined period for cashing the digital currency,
When a cashing instruction is received before the lapse of the controlled predetermined period, the first cashing unit that discounts the predetermined discount rate from the predetermined cashing rate and redeems the digital currency, and
A digital currency exchange system equipped with. The digital currency exchange system according to claim 1, further comprising a second exchange unit for exchanging the digital currency at a predetermined exchange rate when it is determined that the predetermined period has passed. The digital currency exchange system according to claim 1, further comprising a notification unit for notifying the recipient of the digital currency of the predetermined period. The digital currency cashing system according to claim 1, wherein the management unit manages a predetermined period for cashing in association with an amount to be cashed. The digital currency exchange system according to claim 1, further comprising a discount rate changing unit that changes the predetermined discount rate according to the lapse of the predetermined period. The digital currency exchange system according to claim 1, wherein the start timing of the predetermined period is at the time of issuance or transfer of the digital currency. The digital currency cashing system according to claim 1 or 2, further comprising a determination unit for determining the predetermined period with reference to the contract data of the recipient of the digital currency. The digital currency cashing system according to claim 1 or 2, wherein the end timing of the predetermined period is the timing when the payer of the digital currency transfers cash to the account of the recipient of the digital currency. .. The acquisition department that obtains notifications from the recipient of the digital currency,
The digital currency exchange system according to claim 1 or 2, further comprising a transfer unit for transferring the digital currency based on the acquired notification. The digital currency exchange system according to claim 1 or 2, wherein the discount rate is set according to the credit data of the person who pays the digital currency. The digital currency exchange system according to claim 1 or 2, wherein the discount rate decreases with the lapse of time from the time of transfer of the digital currency. It is a digital currency conversion method executed by the digital currency exchange system that converts digital currency.
The step of managing the predetermined period for redeeming the digital currency and
When a cashing instruction is received before the lapse of the controlled predetermined period, a predetermined discount rate is discounted from the predetermined cashing rate, and the digital currency is redeemed.
A digital currency redemption method. To a computer that converts digital currency
Steps to manage the predetermined period for redeeming the digital currency,
A step of redeeming the digital currency by discounting a predetermined discount rate from a predetermined conversion rate when a conversion instruction is received before the lapse of the controlled predetermined period.
A computer-readable program for running.

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