JP6544695B2 - Virtual currency management program and method - Google Patents

Description

  The present invention relates to a virtual currency management program and method, and more particularly to a virtual currency management program and method that enables the transfer of funds of any virtual currency between users using conventional virtual currency management programs and methods.

  In recent years, a virtual currency management system called Bitcoin, which is a payment network of Peer to Peer type, is used. Bitcoin is an online virtual currency or an online commerce scheme using the virtual currency, which is performed using a distributed computer network in which a plurality of computers are interconnected.

  In transactions such as remittance of bitcoins (hereinafter referred to as “transactions”), transaction integrity is secured by forming a distributed register using a hash function and a public key encryption method. The transaction is broadcast to all computers utilizing Bitcoin, and the software operating on the computer verifies the legitimacy of the transaction.

  FIG. 1 shows an example of a transaction for transferring money from user A to user B (transaction A), user B to user C (transaction B), and user C to user D (transaction C). Each transaction includes an input and an output. The input unit is a reference to the sender's digital signature (generated by the sender's private key), the sender's public key, and information on the sender's unused virtual currency (UTXO: unspent transaction output). The reference to the UTXO to be used and used can refer to the deposit amount and the bitcoin address of the sender. The output unit includes the withdrawal amount and the bitcoin address of the user who is the payee.

  The bitcoin address is an ID generated from the user's own public key. Each user can generate a plurality of bitcoin addresses, which can identify each user and the transaction history in which the user used that address.

  With bitcoins, except for transactions that issue bitcoins, the total amount storage rule is satisfied in which the amount of money deposited in the input section of the transaction matches the amount of money deposited in the output section.

  As shown in FIG. 2, the input section includes a reference to the UTXO to be used at that time, and the current owner of UTXO and the balance can refer to this information. For example, it can be seen that the user A owns 100 BTC (BTC is a unit of bit coin quantity). From this situation, when transferring 10 BTC to User B, the remaining 90 BTCs need to be transferred to User A itself. In this way, the transaction is recorded while the above-described total amount storage rule is satisfied, and the double transfer of currency is prevented by using a reference to the UTXO to be used in the input unit.

  There is a technology called colored coin, which enables various assets (fluid assets) to be configured on a block chain using bit coin mechanism (overlay on bit coin). Colored coins are a technology that can represent gold, stocks, securities, existing currencies, and all other assets (assets) by adding color to bitcoins.

  Colored coins, unlike bitcoins, have issuers of colored coins. Colored coins can be traded with colored coins only between computers running programs that implement them. By using colored coins, it becomes possible to make loans among users using the bit coin mechanism. As such, a virtual currency management system using bitcoin is being developed and used.

Bit Bank Co., Ltd. & "Blockchain Impact" Editorial Board, "Blockchain Impact", Nikkei BP, June 8, 2016 Hitoshi Okada, Atsushi Takahashi, Yamazaki ▼ ▼ 一郎 "Virtual currency technology · law · system", Toyo Keizai Shimbun, May 29, 2015

  Ledgers used in financial services need to be able to record interest. On the other hand, considering the adoption of blockchains in the ledger used in financial business, all asset issuers will be able to issue assets without restriction.

  For this reason, for example, when performing transactions such as repayment of principal and interest in a loan, etc., by issuing or depreciating assets with the passage of time, the total amount of assets in the entire transaction record is not kept constant. Management of the total amount of This has created the problem that it is difficult to record financial transactions in the blockchain. Even with bitcoins and colored coins, it is necessary to satisfy the above-mentioned total amount storage law, but due to the nature of the interest generated over time, the total amount storage law can not be satisfied.

  The present invention has been made in view of such problems, and the purpose of the present invention is to use time lapses such as interest in constructing a rational ledger for utilizing a block chain as a ledger in a financial institution. The purpose of the program is to provide a virtual currency management program and method that records transactions such as issuance by the right holder of the value, transfer of money, and amortization in the blockchain, with respect to the value that increases or decreases.

  In order to solve the above problems, a virtual currency management program according to the present invention is a virtual currency management program including computer executable instructions, wherein the computer executable instructions are executed by a processor in a computer, Generating first transaction data and second transaction data for issuing a virtual currency, said first transaction data being a reference to a first used UTXO, issuance of a first type of said virtual currency A second user data including a first amount, a first user ID, a first asset ID generated from the first secret key, and a first type of transaction type, the second transaction data being sent to the second UTXO to be used Reference, second type issue amount equal to issue amount of the first type, first user ID, 2 of the second asset ID generated from a secret key, and characterized in that it comprises a transaction type of the first type.

  According to the virtual currency management program according to the present invention, it is possible to record in the block chain the value which increases and decreases with the passage of time, so that a financial institution issues virtual currency and its interest and uses the block chain. It becomes possible to distribute it. As a result, the situations in which virtual currencies and block chains can be used for financial transactions are expanded.

FIG. 7 is a diagram showing a chain relationship of transactions in bitcoin according to the prior art. FIG. 7 is a diagram showing the relationship between the input and output of a transaction in bitcoin according to the prior art. It is a block diagram showing an example of the whole composition of a virtual currency management system implemented by running a virtual currency management program concerning the present invention. It is a flowchart which shows the example of the process which the virtual currency management program which concerns on this invention performs. It is a figure which shows the example of the transaction data corresponding to the virtual currency issuing process and funds transfer (financing) which concern on one Embodiment of this invention. It is a figure showing an example of transaction data corresponding to interest issue processing concerning one embodiment of the present invention. It is a figure showing an example of transaction data corresponding to fund transfer (repayment) concerning one embodiment of the present invention. It is a figure which shows the example of the transaction data corresponding to the virtual currency depreciation process which concerns on one Embodiment of this invention.

  In the following, the details of the virtual currency management program and method according to the present invention are described. A virtual currency management system implemented by executing a virtual currency management program according to the present invention uses an existing virtual currency management system (hereinafter, “existing virtual currency management system”) represented by Bitcoin. (Which is implemented by overlaying the existing virtual currency management system and implemented in the upper layer of the existing virtual currency management system), but the underlying existing virtual currency management system is not limited to bitcoin.

  In an existing virtual currency management system, as each user executes a fund transfer, a computer generates transaction data, the transaction data is broadcast to other computers, and a series of transaction chains are verified and recorded. Means The transaction data to be broadcast includes data on previous transactions (hash value of previous transactions), and this configuration allows each user to verify the history of a series of transactions.

  In the present specification, “transfer of funds” means that a specified amount of virtual currency is transferred from one user to another using virtual currency, and a loan in virtual currency, its repayment, And money transfer etc.

<System configuration>
An example of the overall configuration of a virtual currency management system implemented by executing a virtual currency management program according to an embodiment of the present invention will be described with reference to FIG. The virtual currency management system according to the present invention includes a plurality of computers 1a (for example, a mobile phone such as a smartphone, a portable information terminal such as a tablet terminal), a computer 1b (for example, a desktop personal computer), a computer 1c (for example, a notebook Type computer and the like, and a computer 1 d (for example, a data center installed type computer and the like) (hereinafter collectively referred to as “computer 1”), which are mutually connected via the network 2. The network 2 is the Internet, a dedicated line, or the like.

  The computer 1 is a computer that is used by a user who uses the virtual currency management system according to the present invention and configures a user who participates in the virtual currency management system. A user who uses the computer 1 possesses a private key-public key pair of public key encryption and a user ID generated from the public key. This user ID plays the same role as the bitcoin address described above.

  The user uses the computer 1 to transfer funds to and from a specific user, and verifies and records the transfer of funds by a third party. The computer 1 includes any computer capable of accessing the network 2 such as a mobile phone such as a smartphone, a portable information terminal such as a tablet terminal, and a personal computer (including a notebook computer and a desktop computer).

  The bank also uses the computer 1 to participate in the virtual currency management system. In addition, only the computer 1 used by the bank (hereinafter referred to as "bank computer") can issue (including issue for interest) and depreciate the in-system defined virtual currency described below. That is, the bank computer plays the role of a reliable third party in the user-to-user interworking network by the virtual currency management system according to the present invention implemented in the upper layer of the existing virtual currency system.

  Next, with reference to FIG. 4, an example of a detailed configuration of the computer 1 constituting the virtual currency management system according to the present invention will be described.

  The computer 1 includes a communication unit 11, a control unit 12, a main storage unit 13, an auxiliary storage unit 14, and a display unit 15.

  The communication unit 11 is a network interface that transmits and receives data and control information to and from other computers 1 connected via the network 2.

  The control unit 12 is also referred to as a central processing unit (CPU), and performs control of each component and calculation of data. Further, the control unit 12 reads various programs stored in the auxiliary storage unit 14 into the main storage unit 13 to execute various processes according to the present invention, and executes the programs.

  The main storage unit 13 is also referred to as a main memory, and stores transaction data broadcasted from another computer 1, a computer-executable instruction, data after arithmetic processing by the instruction, and the like.

  The auxiliary storage unit 14 is a storage device represented by a hard disk (HDD) or the like, and stores a program 16 for causing the control unit 12 to execute various processes to be executed by the computer 1 described below. ing. Only the computer 1 that has executed this program can transfer funds using the virtual currency management system according to the present invention. Further, the auxiliary storage unit 14 stores the pair of the secret key and the public key described above and the user ID.

  The display unit 15 displays an input / output interface for the user to input and display information as the control unit 12 executes the program 16 stored in the auxiliary storage unit 14.

  In the present invention, a virtual currency management system according to the present invention is implemented using an existing virtual currency management system. The existing virtual currency management system is executed by the control unit 12 of the computer 1 executing the program 16 stored in the auxiliary storage unit 14.

  In the virtual currency management system according to the present invention, when performing fund transfer, a pre-defined currency (hereinafter, "in-system defined virtual currency") is issued, and the fund transfer of the issued in-system defined virtual currency is It takes place between users and between user-bank systems. The in-system defined virtual currency is a value expressed in the transfer of funds between users and between the user and the banking system, which is effective in the virtual currency management system according to the present invention, and is a rate with legal currency (yen, dollar, etc.) Etc. may be defined.

  Next, an example of processing executed by the virtual currency management program according to an embodiment of the present invention will be described.

<In-system defined currency issuance process>
First, an example of processing in which a bank computer issues an in-system defined currency will be described. In the virtual currency management system according to the present invention, as in the case of the colored coin described above, there is an issuer of a system-defined currency, but the system-defined currency is a system-defined currency that only users with specific authority have. It is controlled to be able to issue (including interest issue) and to make it described later.

  Specifically, an asset ID is assigned to the in-system defined currency to be issued. Since this asset ID is generated by the bank's secret key, other users can not issue the same asset ID. Also, it defines metadata that defines what asset ID is, and the asset ID can be linked to a transaction for issuance of asset ID by the metadata. Since this metadata is signed by a digital certificate issued from a certificate authority, each computer 1 that has received transaction data to be described later confirms the issuer of the asset ID by confirming the certificate. (Verifying the issuer limits the issue of the transaction to a specific user for each type of transaction described later).

  When the user other than the bank computer is authorized to issue and depreciate the in-system defined currency, the bank computer may be a certification authority. In this embodiment, only the bank computer can issue (including an interest issue) and amortize the in-system defined currency, and in the following example, the value defined in the in-system defined currency is 600p (unit: Let p "issue so-called for convenience).

  Here, it is assumed that the bank computer stores the user ID generated using the bank's public key in the auxiliary storage unit 14. For convenience, the user ID of the bank computer is taken as a bank user ID.

  First, the control unit 12 of the bank computer generates transaction data 101 and 102 using the bank user ID. Transactions corresponding to the transaction data 101 and 102 are referred to as transactions 101 and 102, respectively. An example of the generated transaction data 101 and 102 is shown in FIG.

  Each transaction data described below includes an input unit and an output unit. The input portion of the transaction data 101 includes a signature generated with the bank's private key, the bank's public key, and a reference to the UTXO to be used at that time. By reference to the UTXO used, the current owner (bank) and balance of UTXO can be referenced. The bank user ID corresponds to, for example, a bitcoin address in bitcoin, as described above, and can refer to the history of transactions using this bank user ID by the bank computer, and hence issue of the system-defined currency Can identify the UTXO of the issuer (bank computer) and the issuer.

  The output unit includes BCC = 600p, a bank user ID, an asset ID, and a transaction type as a withdrawal amount that is an issue amount of the in-system defined virtual currency. BCC (Bank Cashier's Check) means an in-system defined currency issued by a bank. The user ID set in the output unit indicates the destination of the in-system defined currency to be issued and transferred in the transaction. In the transaction data 101, since the bank user ID is set, it means that BCC = 600p is issued to the bank computer.

  As described above, the bank user ID corresponds to, for example, a bitcoin address in bitcoin, and the bank computer can refer to the history of transactions using this bank user ID.

  Asset ID is generated each time the system defined currency is issued, is generated using the bank's private key, and has been signed by a digital certificate issued from a certificate authority (metadata such as asset ID Defined). This asset ID can identify the issued BCC when transferring the issued BCC's funds. The transaction type is set to a value indicating the type of transaction, and may be, for example, “1: issue”, “2: remittance”, “3: amortization”, etc. The transaction data 101 includes “1: "Issue" is set.

  The input part of the transaction data 102 is the same as the transaction data 101, so the description is omitted. The output unit includes an IOU (I O You You), a bank user ID, an asset ID, and a transaction type as withdrawals. IOU means a borrowing certificate issued by the bank, and is set to a value equal to BCC = 600p of the transaction data 101. The asset ID is generated using the bank's private key, and is set to a value different from the asset ID of the transaction data 101 (the value of the asset ID is an asset generated by the transaction data 101 using the bank's private key) It is calculated using a calculation method different from the ID, or is generated using a secret key different from the bank's private key used in the transaction data 101) (for convenience, the asset IDs of the transactions 101 and 102 are asset IDs a and b, respectively. And). The transaction type "1: issue" is set.

  The transaction data 101 and 102 are encrypted by the bank's secret key and broadcast by the communication unit 11 to the computers 1 of all users constituting the virtual currency management system. The computer 1 that has received the transaction data 101 and 102 can decrypt it with the bank's public key to verify the transactions 101 and 102.

  In this way, in the issuing process of the in-system defined currency by the bank computer, the transaction data 101 and the paired transaction data 102 are generated, and the issue amount 600p is set as the BCC and IOU, respectively. .

  The BCC issued in the transaction 101 has the feature of circulation and can move to any user. On the other hand, since the IOU corresponds to a borrowing certificate issued by a bank, it is controlled to allow only movement to a specific user (for example, a bank having a transaction with a specific user). This movement control is implemented by using the asset ID generated by the bank's private key described above (new transaction data for moving the IOU is generated, and a new generated by the destination user's private key Asset ID (including a digital certificate issued by a certificate authority) is set at the output unit.

<Transfer of funds (financing) processing>
Next, an example of processing for moving the issued BCC from the bank computer to the user A will be described. In the virtual currency management system according to the present invention, funds are transferred between users and between user-bank systems through BCC issued by a bank computer. The money transfer in this example is an example in which the bank computer lends the user A BCC = 600 p.

  The control unit 12 of the bank computer generates a hash value from the transaction 101 to generate transaction data 103. A transaction corresponding to the transaction data 103 is referred to as a transaction 103. An example of the generated transaction data 103 is shown in FIG.

  The input portion of the transaction data 103 includes a signature generated with the bank's private key, the bank's public key, and a reference to the UTXO to be used at that time. By reference to this UTXO used, the current owner (bank) and balance of UTXO can be referenced. Since the bank computer issues BCC = 600 p and IOU = 600 p in the transactions 101 and 102, respectively, the UTXO of the bank computer at this time is 1200 p.

  The output unit includes BCC = 600p as a withdrawal amount, a user ID of user A (hereinafter referred to as user A ID for convenience), an asset IDa, and a transaction type. The asset IDa is the same as the value set in the transaction data 101, and it is possible to specify that the BCC's funds transfer (loan) is issued in the transaction 101 by this ID.

  Since the user A ID is designated as the destination of the transaction 103, BCC = 600p is moved to the user A by the transaction 103. As the transaction type, for example, "2: remittance" is set.

  The transaction data 103 is encrypted by the bank's secret key and broadcast by the communication unit 11 to the computers 1 of all the users constituting the virtual currency management system. The computer 1 that has received the transaction data 103 can decrypt it using the bank's public key and verify the transaction 103.

  When transaction data 101 to 103 described above are generated, user A holds the loan amount BCC = 600p, and the bank computer holds the same amount of IOU. Therefore, virtual currency management according to the present invention The system can manage the borrowing certificate (IOU = 600p) issued by the bank computer for the BCC that has loaned to the user A. The UTXO of the bank computer at this time is 600p (IOU issued in transaction 102 = 600p), and the UTXO of user A is 600p (BCC moved in transaction 103 = 600p).

  The user A who has received a loan from the bank computer through the in-system defined currency may then move the moved BCC = 600p to a third party (for example, the third user other than the user A). Transfer to the person who In this case, the computer 1 of the user A designates the amount to be transferred to a third party as BCC, and sets the third party as a destination (including the user ID of the third party in the output unit) as in the transaction 103. Generate data.

  As described above, although the issue of the in-system defined currency and the money transfer process have been described, according to the virtual currency management system according to the present invention, an in-system definition of any amount is possible for a user having a specific authority. Currency can be issued anytime. In addition, since the users who can issue the in-system defined currency are limited, there is no possibility that the in-system defined currency will be burst. In addition, the movement of the IOU is also restricted to certain users, such as banking groups, which can prevent unauthorized third parties from having a debt certificate for a loan.

<Interest issue processing>
Next, an example of a process in which the bank computer issues interest to BCC which has loaned the user A in the transaction 103 will be described. In this embodiment, it is assumed that 12p, which is the interest (2%) on the loan amount 600p, is issued.

  When a predetermined period has elapsed since the generation of the above-mentioned transaction data 103 (in the present embodiment, the time when the interest is generated after the predetermined period is regarded as the time of interest generation, the second interest generation shown below The control unit 12 of the bank computer generates a hash value from the transaction 103 to generate transaction data 104, which is a first interest occurrence time with respect to the time). Also, a hash value is generated from the transaction 102 to generate transaction data 105.

  At the second occurrence of interest, control unit 12 generates a hash value from transaction 104 to generate transaction data 106. Also, a hash value is generated from the transaction 105 to generate transaction data 107. Transactions corresponding to the transaction data 104 to 107 are referred to as transactions 104 to 107, respectively. An example of the generated transaction data 104 to 107 is shown in FIG.

  The input portion of the transaction data 104 includes a signature generated with the bank's private key, the bank's public key, and a reference to the UTXO to be used at that time. By reference to this UTXO used, the current owner (bank) and balance of UTXO can be referenced.

  The output unit includes BCC = 12p, which is an interest amount for BCC = 600p of the transaction data 103, a bank user ID, an asset IDa, and a transaction type as the withdrawal amount.

  Since the bank user ID is set as the destination of the transaction 104, BCC = 12p will be issued to the bank computer. The asset IDa is the same as the value set in the transaction data 103, and it is possible to identify the interest issue for the loan amount moved to the user A in the transaction 103 by this ID. As the transaction type, for example, “1: issue” is set.

  The input part of the transaction data 105 is the same as the transaction data 104, so the description will be omitted. The output unit includes IOU = 12 p, bank user ID, asset ID 2, and transaction type. It is the same as the value set in the asset ID b and the transaction data 102. Transaction type is set to "1: Issue"

  The transaction data 104 and 105 are signed by the bank's secret key and broadcast to the computers 1 of all the users making up the virtual currency management system. The computer 1 having received the transaction data 104 and 105 can verify the signature of the transactions 104 and 105 by the bank's public key.

  Also, at the time of the second interest issuance, as shown in FIG. 5, transaction data 106 and 107 are generated similarly to the transaction data 104 and 105, respectively.

  When the above-described transaction data 104 to 107 are generated, the bank computer has issued an interest amount IOU = 24p to BCC = 600p, which is the loan amount of the user A, which is a virtual according to the present invention. In the currency management system, it is possible to manage a borrowing certificate for the amount of interest issued by the bank computer for the BCC that has loaned the user A.

  At this point, the total amount of virtual currency issued by the bank computer is 1248p (BCC = 600p in transaction 101, IOU = 600p in transaction 102, BCC = 12p in transaction 104, IOU = 12p in transaction 105, transaction 106) And BCC = 12 p, and transaction 107 IOU = 12 p). Among them, since BCC = 600p is moved to the user A in the transaction 103, UTXO of the bank computer is 648p and UTXO of the user A is 600p.

  Although transactions 104 and 105 and transactions 106 and 107 are transactions issued at the first interest occurrence time and the second interest occurrence time, respectively, the loan amount (BCC = 600 p) in the transaction data 103 Interest on interest may be divided in advance. For example, when the interest amount for the loan amount (BCC = 600 p) is 144 p, the amount is divided in 12 times in advance (BCC = 12 p) and BCC = 12 p as transaction data (hereinafter, “interest issue transaction data 1”) Is generated 12 times and IOU = 12 p (hereinafter referred to as “interest issue transaction data 2”) is generated 12 times (that is, 12 pieces of transaction data similar to transaction data 104, transaction data 105 and Similar transaction data is generated 12 times).

  When generating the interest issue transaction data 1 and the interest issue transaction data 2, the UTXO to be referred to is also divided into 12 times. The interest issuance transaction data 1 and the interest issuance transaction data 2 may each be generated in advance 12 times at a time, or in a predetermined cycle (for example, at each of the first interest occurrence time to the twelfth interest issuance time) ) May be generated.

  In addition, the amount of interest (that is, BCC and IOU) set in the interest issuance transaction data 1 and the interest issuance transaction data 2 may be calculated based on the interest rate determined at the time of generation of the transaction data 103 ( The fixed interest rate may be calculated based on the interest rate at the time of generating the interest issue transaction data 1 and the interest issue transaction data 2 (variable interest rate).

<Debt repayment processing>
Next, an example of processing for the user A to repay the BCC moved to the user A and the above-mentioned issued interest amount will be described. In this example, the user A repays the bank computer the sum of repayment amount 624p. It is assumed that the user A acquires the repayment amount 624 p by a transaction (hereinafter referred to as transaction X for convenience) which is not described in the present embodiment, using the virtual currency management system according to the present invention (that is, , UTXO of user A at this time is 624p).

  The control unit 12 of the computer 1 of the user A generates a hash value from the transaction X to generate transaction data 108. A transaction corresponding to the transaction data 108 is referred to as a transaction 108. An example of the generated transaction data 108 is shown in FIG.

  The input unit of the transaction data 108 includes, as a payment amount, BCC = 600 p, BCC = 12 p, BCC = 12 p) which is the repayment amount to the bank computer, a signature generated with the user A's private key, the user A's public key, And a reference to the UTXO to be used at that time. The reference to the UTXO used can refer to the current owner (user A) of UTXO and the balance.

  The output unit includes, as the withdrawal amount, BCC = 624p (total amount of BCC that is the receipt amount), the bank user ID, the asset IDa, and the transaction type, which are the same amount as the deposit amount.

  Since the bank user ID is specified as the destination of the transaction 108, BCC = 624p will be transferred (repayed) to the bank computer by the transaction 108. The asset IDa is similar to the value set in transaction data 101, 104 and 106, which identifies the loan amount loaned in transaction 103 and the repayment for the interest issued in transactions 104 and 106 can do. As the transaction type, for example, "2: remittance" is set.

  The transaction data 108 is encrypted by the secret key of the user A and broadcast to the computers 1 of all the users constituting the virtual currency management system. The other computer 1 that has received the transaction data 108 can decrypt it using the user A's public key and verify the transaction 108.

  It has been mentioned above that UTXO of the bank computer is 648p when transaction 107 is issued. In this state, since BCC = 624p moved to the bank computer in transaction 108, the UTXO of the bank computer at this point is 1272p.

<In-system defined currency depreciation processing>
Next, an example of a process in which the bank computer amortizes the IOU issued in the transactions 102, 105 and 107 will be described.

  The control unit 12 of the bank computer generates a hash value from the transaction 108 to generate transaction data 109. A transaction corresponding to the transaction data 109 is referred to as a transaction 109. An example of the generated transaction data 109 is shown in FIG.

  The input part of the transaction data 109 is, as deposit amount, IOU = 600p, IOU = 12p, and IOU = 12p issued in the transactions 102, 105 and 107, a signature generated with a bank's secret key, a bank's public key, As well as references to UTXO to be used at that time. By reference to this UTXO used, the current owner (bank) and balance of UTXO can be referenced.

  The output unit includes, as a withdrawal amount, a BCC (624p), a bank user ID, an asset IDb, and a transaction type, which are equal to the payment amount. The asset ID b is equal to the value set in the transaction data 102, 105 and 107, and this ID can specify that the virtual currency issued in the transactions 102, 105 and 107 and the amortization for the interest thereof it can. The transaction type is set, for example, “3: Amortization”.

  The transaction data 109 is signed by the bank's secret key and broadcast to the computers 1 of all the users making up the virtual currency management system. The computer 1 having received the transaction data 109 can verify the signature of the transaction 109 by the bank's public key.

  The generation of the above-described transaction data 109 means that all the IOUs held by the bank computer until now are amortised (all the output units are replaced with the same BCC). This means that the loan from user A and the repayment for the interest are made.

  As mentioned above, the total amount of virtual currency amounts issued by the bank computer is 1248p. Since UTXO of the bank computer at this point is 1272p, it means that 24p has increased from the total amount issued. This means that the user A receives repayment for the interest repayment (IOU = 12 p issued in the transaction 105 and IOU issued 1210 in the transaction 107).

  As described above, from the issue of the virtual currency in transaction 101 to the amortization thereof, the consistency of the amount of virtual currency designated in the input part and the output part of each transaction, and UTXO are all guaranteed. Thus, in the virtual currency management system according to the present invention, it is possible to issue interest which was difficult in the existing type virtual currency management system, and the total amount storage law is satisfied, which means that in-system defined currency Double transfer can be prevented.

  It should be noted that, in the fund transfer (loan) process in the transaction 103, the loan amount of the BCC to be provided to the user A may be divided in advance, and the divided number of transactions may be issued at a predetermined cycle. In this case, the BCC set in the input unit and the output unit of the divided transaction is set to the divided loan amount (for example, when the loan amount is 600 p and the number of divisions is 6, the BCC is 100 p, Six transaction data are generated). With such a configuration, for example, it is possible to cope with a loan such as a monthly payment.

  In the example of dividing the transaction, the subsequent interest issue, repayment, and amortization processes are also executed for each of the divided transactions.

  As described above, the virtual currency management program according to the present invention has been described. In this embodiment, an example is described in which the virtual currency management system is applied to a loan, its repayment, and the transfer of funds between users in the example of the issue of interest, but the scope of application of the present invention is not limited to such an example. . For example, it may be applied to all funds (value) transfer between users through a system-defined currency, such as sales contracts between users.

1a computer 1b computer 1c computer 1d computer 2 network

Claims (7)

A virtual currency manager program containing computer executable instructions, comprising:
The computer executable instructions, when executed by a processor, cause one of a plurality of interconnected computers to:
Generating first transaction data and second transaction data for issuing a virtual currency;
The first transaction data and the second transaction data are recorded in a block chain by broadcasting the plurality of computers to the plurality of computers, and the first transaction data inputs a reference to a first used UTXO. to include, include the issuance of the first type of virtual currency, the first user ID, the first of the first asset ID generated from a secret key, and the output unit a transaction type of the first type, The second transaction data includes, at an input portion, a reference to a second UTXO to be used, and a second type issue amount equal to the issue amount of the first type, the first user ID, the second 2 of the second asset ID generated from a secret key, and viewed including the output unit a transaction type of the first type, the second Virtual currency management program UTXO to UTXO and the second use to use in each, characterized in that equal to the sum of the issuance of the first type and the second type and issuance.   The virtual currency management program according to claim 1, wherein the first asset ID and the second asset ID each include metadata signed by a digital certificate. The computer executable instructions are stored on the computer
Generating third transaction data for moving the issue amount of the first type;
The third transaction data is recorded in the block chain by broadcasting the plurality of computers to the plurality of computers, and the third transaction data includes a reference to a third used UTXO at an input portion, the first The transfer unit according to claim 1 or 2, characterized in that the output unit includes a transfer amount corresponding to the issue amount of the second type, a second user ID, the first asset ID, and a second type of transaction type. Virtual Currency Management Program. The computer executable instructions are stored on the computer
Generating fourth transaction data and fifth transaction data for issuing the virtual currency;
The fourth transaction data and the fifth transaction data are recorded in the block chain by broadcasting to the plurality of computers, and the fourth transaction data inputs a reference to the fourth UTXO to be used wherein the parts, the third type of issuance associated with issuance of the first type, the first user ID, the first asset ID, and an output unit transaction type of the first type to include, the fifth transaction data, a reference to UTXO the use of a 5 comprises an input unit, issuance of the third type of issuance and the fourth type of the same amount, the first user The output unit includes an ID, the second asset ID, and the transaction type of the first type. The virtual currency management program according to claim 3.   5. The virtual currency management according to claim 4, wherein the issue amount of the third type included in the fourth transaction data is an amount determined when the third transaction data is generated. program.   The virtual currency management program according to claim 4, wherein the issuance amount of the third type included in the fourth transaction data is calculated at a timing when the fourth transaction data is generated. A virtual currency management method implemented by a plurality of interconnected computers, comprising:
A first computer of the plurality of computers is a pair of a first secret key and a first public key, a second secret key and a second public key, and the first public key. The generated first user ID is stored in the storage unit,
By the first computer
Generating first transaction data and second transaction data for issuing a virtual currency;
Recording the generated first transaction data and the generated second transaction data in a block chain by broadcasting to the plurality of computers, wherein the generated first transaction data is A reference to the UTXO used by the input unit in the input unit, the first type of issuance amount of the virtual currency, the first user ID, the first asset ID generated from the first secret key, and the first asset ID A transaction type of type 1 is included in the output unit, and the generated second transaction data includes a reference to the second UTXO to be used in the input unit, and the second equivalent of the issue amount of the first type Amount of issue amount, the first user ID, a second asset ID generated from the second secret key, and Serial viewed including the first type output unit transaction type, issuance of the first, respectively UTXO and the second used to UTXO uses, wherein the first type of issuance second type A method characterized in that it comprises steps and equal to the sum of

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