JP6682121B2 - Method and computer system for a bank to provide virtual currency services - Google Patents

Description

  The present invention relates to a method and computer system for a bank to provide virtual currency services.

  Conventionally, virtual currency exchange companies have provided services using virtual currency.

Nihon Keizai Shimbun, "Cryptocurrency exchange business starts from scratch", [online], [September 10, 2018 search], Internet <URL: https: //www.nikkei.com/article/DGXKZO32280560W8A620C1EA1000 />

  However, it has been pointed out that conventional services using virtual currencies by virtual currency exchange businesses are a hotbed for money laundering because government regulations in each country are difficult to regulate and customer identities are not strictly checked. There was also.

  It is an object of the present invention to provide a method, a computer system, etc. for providing a virtual currency service that is effective against money laundering.

  In one aspect of the present invention, the method of the present invention is a method for a bank to provide virtual currency services, the method comprising building a computer system, wherein the computer system is for a customer's fiat currency. Comprising means for managing an account and means for managing the customer's virtual currency account, wherein the customer's virtual currency account is associated with the customer's fiat currency account; , Making the computer system available to the customer.

  In one aspect of the present invention, the computer system of the present invention is a computer system for a bank to provide virtual currency services, said computer system comprising means for managing a customer's fiat currency account, and Means for managing a customer virtual currency account, the customer virtual currency account being associated with the customer fiat currency account.

  In one embodiment of the present invention, the computer system may further include means for executing a process of transferring money between the customer's fiat currency account and the customer's virtual currency account.

  In one embodiment of the present invention, the means for executing the process of remittance between the customer's fiat currency account and the customer's virtual currency account includes a means for receiving a remittance request and a means for receiving the remittance request. Responsive to doing so may further comprise means for updating the amount of the customer's fiat currency account and the amount of the customer's virtual currency account.

  In one embodiment of the invention, the computer system is means for receiving account selection information, the account selection information indicating whether the customer wants to trade from his fiat currency account, The method may further include means for indicating whether the customer desires a transaction from the virtual currency account, and means for executing a transaction process from the account desired by the customer based on the account selection information.

  In one aspect of the present invention, the computer system of the present invention is a computer system for a bank to provide virtual currency services, the computer system receiving means for receiving a request for opening a virtual currency account, Responsive to receiving the request, means for determining whether the customer's fiat currency account exists in the bank; and determining that the customer's fiat currency account exists in the bank. In this case, the means for executing the process for opening the virtual currency account of the customer, the process for opening the virtual currency account of the customer, And means for associating with the fiat currency account of.

  One embodiment of the present invention further comprises means for executing a process of refusing to open the virtual currency account of the customer when it is determined that the customer's fiat currency account does not exist in the bank. May be.

  In one embodiment of the present invention, the request includes an identifier for identifying the customer, and the means for determining whether the customer's fiat currency account exists in the bank is the identifier. Based at least on, it may be determined whether the customer's fiat currency account exists within the bank.

  In one embodiment of the present invention, the means for executing the process for opening the customer's virtual currency account executes the process for opening the customer's virtual currency account based on at least the identifier. You may.

  In one embodiment of the present invention, the computer system further comprises a customer database unit that stores information about the customer himself and a fiat currency account database unit that stores information about the fiat currency account of the customer. The means for executing the process for opening the virtual currency account of the customer opens the virtual currency account of the customer based on at least the information about the customer itself and the information about the legal currency account of the customer. You may perform the process for doing.

  In one aspect of the present invention, the method of the present invention is a method executed in a computer system for a bank to provide virtual currency services, wherein the computer system comprises a processor unit, and the method comprises the processor. The department receives a request to open a virtual currency account, and the processor unit is responsive to receiving the request to determine whether the customer's fiat currency account exists in the bank. If it is determined that the customer's fiat currency account exists in the bank, the processor unit executes a process for opening the customer's virtual currency account. Then, the process for opening the virtual currency account of the customer includes a process of associating the virtual currency account of the customer with the legal currency account of the customer. Including the.

  In one aspect of the present invention, the program of the present invention is a program executed in a computer system for a bank to provide virtual currency services, the computer system includes a processor unit, and the program is the program. When executed by the processor unit, receives a request to open a virtual currency account, and in response to receiving the request, the customer's fiat currency account exists in the bank. And executing a process for opening the customer's virtual currency account when it is determined that the customer's fiat currency account exists in the bank. The process for opening the virtual currency account of the customer is a process of associating the virtual currency account of the customer with the fiat currency account of the customer. Including, causes the processor unit to at least run the thing.

  According to the present invention, it is possible to provide a method, a computer system, and the like for providing a virtual currency service that is effective in countering money laundering.

The figure which shows an example of a structure of the system 100 for implement | achieving the virtual currency service which a bank provides. The figure which shows an example of a structure of the information stored in the customer database part 141. The figure which shows an example of a structure of the information stored in the fiat currency account database part 142. The figure which shows an example of a structure of the information stored in the virtual currency account database part 143. The figure which shows an example of the flow of the process performed in the computer system 110. The figure which shows another example of the flow of the process performed in the computer system 110.

  The terms used in this specification are defined below.

  “Fiat currency account” means an account for conducting transactions using fiat currency. Examples of fiat currency accounts include, but are not limited to, yen, dollar, and pound accounts.

  “Virtual currency account” means an account for conducting transactions using virtual currency.

1. Virtual currency service provided by banks Traditionally, it has been considered that virtual currency exchange business operators specialize in handling virtual currency. Therefore, it is unexpected that a bank will handle virtual currencies, and what kind of virtual currency service a bank will provide when a bank handles virtual currency was not considered.

  In the present specification, the “virtual currency service” refers to a service related to an arbitrary transaction using virtual currency. The "virtual currency service" includes, for example, "virtual currency exchange", "virtual currency transaction", and "leverage transaction", but is not limited thereto. "Virtual currency exchange" is a transaction in which the bank "sells" the virtual currency held by the bank to the customer when the legal currency in the customer's fiat currency account is converted into the virtual currency, or A transaction in which a bank "buys" virtual currency from a customer using the legal currency held by the bank when converting the virtual currency in the account into the legal currency. "Virtual currency transaction" means a transaction in which a bank converts the fiat currency in the customer's fiat currency account into virtual currency, and a transaction in which another customer converts the virtual currency in the virtual currency account into fiat currency. Is a transaction performed by associating with. "Leveraged transaction" means, in the above "virtual currency transaction", when a bank accepts a margin (usually legal currency margin) from a customer, a predetermined multiple of the margin amount (for example, 3 times, A transaction that enables transactions with virtual currency up to the amount of 4 times.

  The applicant proposes what kind of virtual currency service the bank should provide when the bank handles virtual currency. The virtual currency services that banks should provide will be described below.

  Virtual currency services provided by banks require that a customer's virtual currency account be associated with the customer's fiat currency account (eg, a yen account). That is, the customer's virtual currency account cannot exist by itself. A customer's virtual currency account is only allowed to exist under the condition that the customer's fiat currency account exists. This is accomplished, for example, by allowing the customer's virtual currency account to be opened in the bank only if the customer's fiat currency account is already open in the bank. . As a result, the virtual currency account in the bank will undergo a strict identification check when opening a legal currency account in the bank (for example, submitting documents for identity verification, presenting evidence for identity verification, It will be opened only to those who have passed the oath of not being an anti-social force. As a result, the virtual currency account opened in the bank can be said to be a highly-credit account opened only to a person whose identity has been firmly confirmed. Trading virtual currency using such an account is effective as a measure against money laundering.

  In addition, opening a virtual currency account in a bank does not require the rigorous identity verification that was required when opening a fiat currency account in the bank to be performed again. Because a strict identity check has already been carried out when opening a fiat currency account in a bank, it is necessary to do double strict identity verification when opening a virtual currency account in a bank. Because there is no. This makes it much easier and smoother than the rigorous identity checks required when opening a fiat account in a bank (for example, showing your bank card and PIN, or It is possible to open a virtual currency account in a bank by showing a passbook and a bank registration stamp. As a result, it is possible to reduce the burden on the customer when opening a virtual currency account in a bank.

  Further, the remittance between the fiat currency account in the bank and the virtual currency account in the bank is processed in the same computer system. For this reason, the customer authenticates himself only once when using the fiat currency account in the bank or when using the virtual currency account in the bank (for example, personal identification by the bank's cash card and PIN). It is possible to transfer money between the fiat currency account in the bank and the virtual currency account in the bank. As a result, it is possible to improve customer convenience.

  In addition, the remittance between the fiat currency account in the bank and the virtual currency account in the bank is performed via a dedicated line. Therefore, the virtual currency service provided by the bank proposed by the applicant provides a virtual currency service with higher security than the virtual currency service provided by a conventional virtual currency exchange business operator, which is performed via a general-purpose network. It can be realized.

  Virtual currency services provided by banks include, for example, by building a computer system configured to manage a customer's fiat and virtual currency accounts and making the computer system available to the bank's customers. Can be offered to customers. Here, the customer virtual currency account is associated with the customer fiat currency account. Construction of the computer system may be done by, for example, a bank employee or by artificial intelligence (AI). Making the computer system available to bank customers may also be accomplished, for example, by providing bank customers with access to the computer system.

  Hereinafter, embodiments of the present invention will be described with reference to the drawings.

2. System Configuration FIG. 1 shows an example of the configuration of a system 100 for realizing a virtual currency service provided by a bank.

In the example shown in FIG. 1, system 100 includes a computer system 110, and a customer device ₁₂₀ 1 to 120 _N. Here, N is an arbitrary integer of 1 or more.

In the example shown in FIG. 1, the computer system 110 is configured to be able to communicate with each of the customer's devices 120 _{1 to} 120 _N via the Internet 130.

  The computer system 110 is an information processing system managed and operated by a bank (or a bank manager or a bank employee) that provides virtual currency services. The computer system 110 includes an interface unit 111, a processor unit 112 including one or more CPUs (Central Processing Units), and a memory unit 113. The hardware configuration of the computer system 110 is not particularly limited as long as it can realize its function, and may be configured by a single machine or a combination of a plurality of machines.

The interface unit 111 controls communication with each of the customer's devices 120 _{1 to} 120 _N.

  The memory unit 113 stores a program required to execute the process, data required to execute the program, and the like. The memory unit 113 stores, for example, programs for executing the processes shown in FIGS. 3 and 4. Here, it does not matter how the program is stored in the memory unit 113. For example, the program may be preinstalled in the memory unit 113. Alternatively, the program may be installed in the memory unit 113 by being downloaded via a network such as the Internet 130, or may be installed in the memory unit 113 via a storage medium such as an optical disk or a USB. You may do it.

  The processor unit 112 controls the operation of the entire computer system 110. The processor unit 112 reads the program stored in the memory unit 113 and executes the program. This allows the computer system 110 to function as a device that performs the desired steps.

  The computer system 110 further includes a database unit 140. In the example shown in FIG. 1, the database unit 140 includes a customer database unit 141, a fiat currency account database unit 142, and a virtual currency account database unit 143. Therefore, the processor unit 112 and the fiat currency account database unit 142 function as means for managing the customer's fiat currency account, and the processor unit 112 and the virtual currency account database unit 143 function as the customer's virtual currency account. Function as a means for managing.

Each of the customer equipment ₁₂₀ 1 to 120 _N, via the Internet 130, at least, is configured so as to be able to communicate with a computer system 110. For example, each of the customer's devices 120 _{1 to} 120 _N may be a mobile wireless terminal such as a mobile phone, a smartphone, a tablet terminal, smart glasses, a smart watch terminal, a desktop PC, a laptop PC, a notebook PC, or the like. It may be a personal computer.

In the embodiment shown in FIG. 1, the customer devices 120 _{1 to} 120 _N are described as being able to communicate with the computer system 110 via the Internet 130, but the present invention is not limited to this. It is also possible to use any type of network instead of the Internet 130. Still, a network for connecting the part of the computer system 110 and customer equipment ₁₂₀ 1 to 120 _N are connected to the other part of the computer system 110 and customer equipment ₁₂₀ 1 to 120 _N The network may be the same as the network to be used or different from each other.

  FIG. 2A shows an example of the configuration of information stored in the customer database unit 141.

  The customer database section 141 stores information about the customer itself. The information about the customer itself can be identified by, for example, an identifier for identifying the customer (for example, customer ID). The customer database unit 141 stores information about the customer, such as the customer's name, gender, date of birth, address, telephone number, email address, face picture, and account information (for example, the customer's fiat currency account number, The customer's virtual currency account number), personal identification number, and the like are further stored.

  FIG. 2B shows an example of the configuration of information stored in the fiat currency account database unit 142.

  The fiat currency account database unit 142 stores information on fiat currency accounts. The information on fiat currency accounts is associated with, for example, an identifier for identifying a customer (for example, a customer ID). The fiat currency account database unit 142 further stores the fiat currency account number, account type, balance, deposit history, withdrawal history, and the like as information regarding the fiat currency account.

  FIG. 2C shows an example of the configuration of information stored in the virtual currency account database unit 143.

  The virtual currency account database unit 143 stores information about virtual currency accounts. The information about the virtual currency account is associated with, for example, an identifier (for example, customer ID) for identifying the customer. In the virtual currency account database unit 143, as the information regarding the virtual currency account, the account number of the legal currency account, the account number of the virtual currency account, the account type, the balance, the deposit history, the withdrawal history, etc. Further stored.

  In the example shown in FIG. 2C, since the account number of the virtual currency account and the account number of the fiat currency account are stored as the information about the virtual currency account associated with the same customer ID, the virtual currency account is stored. Although the account is associated with the fiat currency account, the manner in which the virtual currency account is associated with the fiat currency account is not limited to this aspect. The manner of associating the virtual currency account with the fiat currency account can be any manner. It is possible to deposit money from the customer's fiat currency account into the customer's virtual currency account, but not directly into the customer's virtual currency account from accounts other than the customer's fiat currency account. .

  In the embodiment shown in FIG. 1, the database unit 140 is provided inside the computer system 110, but the mode is not limited. For example, the database unit 140 may be provided outside the computer system 110 (for example, the database unit 140 may be configured as a cloud storage connected to the computer system 110 via a network). The configuration of the database unit 140 is not limited to a particular hardware configuration. For example, the database unit 140 may be composed of a single hardware component or may be composed of a plurality of hardware components. Furthermore, the configuration of each database unit included in the database unit 140 is not limited to a specific hardware configuration. For example, each database unit included in the database unit 140 may also be configured by a single hardware component or may be configured by a plurality of hardware components.

  Alternatively, at least one of the fiat currency account database unit 142 and the virtual currency account database unit 143 may be realized by a decentralized network that uses a distributed ledger technology (DLT). An example of distributed ledger technology is, but is not limited to, a technology based on block chains. For example, when the virtual currency account database unit 143 is realized by a distributed network using the distributed ledger technology, information about virtual currency accounts (for example, legal currency account number, virtual currency account account Number, account type, balance, deposit history, withdrawal history, etc.) are shared by some or all of the plurality of nodes included in the distributed network. When a customer desires to transfer a predetermined amount of virtual currency from his virtual currency account to another person's virtual currency account, the customer operates the user device and the user device of the customer sends a notification to that effect to the computer. Communicate to system 110. In response to receiving the notification, the processor unit 112 of the computer system 110 transmits a remittance request to a node connected to the computer system 110 among a plurality of nodes included in the distributed network. Based on the remittance request, the node connected to the computer system 110 updates at least some of the information regarding the virtual currency account shared by some or all of the plurality of nodes included in the distributed network. With distributed ledger technology, updated information is also shared by some or all of the nodes included in the distributed network. This allows each of the plurality of nodes included in the distributed network to access the updated information. As described above, the remittance of virtual currency from one virtual currency account to another virtual currency account is performed by the processor unit 112 of the computer system 110 via the node connected to the computer system 110 to the decentralized network. Done by updating at least some of the information about the virtual currency account shared by some or all of the included nodes. Unlike the conventional remittance, the remittance source device does not need to send a remittance telegram to the remittance destination device, and the remittance source device needs to confirm that the remittance destination device correctly received the telegram Nor. Thereby, the remittance process can be executed quickly. Further, when remitting virtual currency, it is not necessary to convert the remittance amount based on the exchange rate. Thereby, the remittance process can be executed more quickly.

3. Processing of Computer System FIG. 3 shows an example of a flow of processing executed in the computer system 110. The steps shown in FIG. 3 are executed by the processor unit 112 of the computer system 110, for example. Hereinafter, each step shown in FIG. 3 will be described.

Step S301: A request for opening a virtual currency account is received. The request for opening a virtual currency account is received, for example, from the customer's device 120 ₁ via the Internet 130. The request to open a virtual currency account may be received by directly entering the computer system 110. The request for opening a virtual currency account includes, for example, an identifier (customer ID) for identifying a customer. A request for opening a virtual currency account may be made in place of or in addition to the identifier, the personal identification number of the customer identified by the identifier, and the account number of the fiat currency account of the customer identified by the identifier. May be included.

  Step S302: It is determined whether the customer's fiat currency account exists in the bank. If the determination result is “Yes”, the process proceeds to step S303, and if the determination result is “No”, the process proceeds to step S304. Whether or not the customer's fiat currency account exists in the bank is determined, for example, based on the identifier included in the request for opening the virtual currency account. For example, whether or not the customer's fiat currency account exists in the bank is determined by whether an identifier matching the identifier included in the request for opening the virtual currency account exists in the fiat currency account database unit 142. This is determined by searching the legal currency account database unit 142 using the identifier included in the request for opening the virtual currency account. If an identifier matching the identifier included in the request for opening the virtual currency account exists in the fiat currency account database unit 142, it is determined that the customer's fiat currency account exists in the bank, and the virtual currency is determined. When the identifier matching the identifier included in the request for opening the business account does not exist in the fiat currency account database unit 142, it is determined that the customer's fiat currency account does not exist in the bank.

  Alternatively, whether or not the customer's fiat currency account exists in the bank is determined based on the customer's PIN or the customer's fiat currency account number included in the request to open the virtual currency account. May be. For example, whether the customer's fiat currency account exists in the bank is determined by the fiat currency account number that matches the customer fiat currency account number included in the request to open the virtual currency account. Whether or not exists in the fiat currency account database unit 142, by using the account number of the fiat currency account of the customer included in the request for opening the virtual currency account in the fiat currency account database unit 142. It is determined by searching. When the account number of the fiat currency account that matches the account number of the fiat currency account of the customer included in the request for opening the virtual currency account exists in the fiat currency account database unit 142, the customer's legal account It is determined that the currency account exists in the bank, and the account number of the fiat currency account that matches the customer's fiat currency account number included in the request to open the virtual currency account is the fiat currency account database section. If it does not exist in 142, it is determined that the customer's fiat currency account does not exist in the bank.

  Step S303: If it is determined that the customer's fiat currency account exists in the bank, the process for opening the customer's virtual currency account is executed. The process for opening the customer's virtual currency account includes the process of associating with the customer's fiat currency account. The process for opening the customer's virtual currency account is, for example, an identifier for identifying the customer (for example, the identifier included in the request for opening the virtual currency account, stored in the customer database unit 141). (Identifier)). For example, the process for opening a customer's virtual currency account utilizes information about the customer itself, which is identified by searching the fiat currency account database portion 142 using an identifier for identifying the customer. Is executed.

  Alternatively, the process for opening the customer's virtual currency account is performed by, for example, the identifier stored in the customer database unit 141 and the customer's legal currency account stored in the fiat currency account database unit 142. Information (eg, the account number of the customer's fiat currency account). The process for opening a customer's virtual currency account includes, for example, information about the customer identified by searching the legal currency account database unit 142 using an identifier for identifying the customer, and the customer. Is executed using the information on the fiat currency account of the customer specified by searching the fiat currency account database unit 142 using the identifier for identifying

  Thus, in order to execute the process for opening the customer's virtual currency account, it is sufficient to confirm that the customer's fiat currency account already exists in the bank. The rigorous identification checks required when opening in the bank do not need to be redone. This makes it much easier and smoother than the rigorous identity checks required when opening a fiat account in a bank (for example, showing your bank card and PIN, or It is possible to open a virtual currency account in a bank by showing a passbook and a bank registration stamp. As a result, it is possible to reduce the burden on the customer when opening a virtual currency account in a bank.

  Step S304: When it is determined that the customer's fiat currency account does not exist in the bank, a process of refusing to open the customer's virtual currency account is executed.

  Note that step S302 shown in FIG. 3 may be optional. When step S302 shown in FIG. 3 is omitted, the process for opening the customer's virtual currency account is executed, for example, in response to receiving a request for opening the virtual currency account. Good.

  FIG. 4 shows another example of the flow of processing executed in the computer system 110. The steps shown in FIG. 4 are executed by the processor unit 112 of the computer system 110, for example. Hereinafter, each step shown in FIG. 4 will be described.

Step S401: Transaction information of the customer is received. The customer transaction information is, for example, withdrawal amount, deposit amount, withdrawal amount, account transfer amount, etc., but is not limited to these. The customer transaction information is, for example, information related to the use of a card (eg, debit card, credit card, cash card). Customer transaction information is received, for example, from the customer's device 120 ₁ .

Step S402: A process for requesting to select either the customer's fiat currency account or the customer's virtual currency account is executed. The process of requesting to select either the customer's fiat currency account or the customer's virtual currency account is performed, for example, on the customer's device 120 ₁ . This allows the customer to select whether he wants to trade from his fiat currency account or his virtual currency account.

Step S403: The account selection information is received. The account selection information indicates whether the customer wishes to make a transaction from the fiat currency account or the customer's virtual currency account. The account selection information is received, for example, from the customer's device 120 ₁ .

  Step S404: The transaction processing from the account desired by the customer is executed based on the transaction information of the customer and the account selection information. For example, when the customer transaction information indicates “withdrawal of 10,000 yen” and the account selection information indicates “customer virtual currency account”, the transaction processing from the customer's desired account is the customer's virtual currency account. To withdraw 10000 yen.

  Executing the transaction processing from the customer's desired account is achieved by updating the information regarding the customer's desired account, for example, based on the customer's transaction information and account selection information. When the customer selects the fiat currency account, the information on the account desired by the customer is information on the fiat currency account of the customer (for example, the fiat currency of the customer stored in the fiat currency account database unit 142). Information indicating the balance of the virtual currency account (that is, the amount of the customer's fiat currency account), and when the customer selects the virtual currency account, the information on the virtual currency account of the customer (for example, the virtual currency account This is information indicating the balance of the customer's virtual currency account stored in the account database unit 143 (that is, the amount of the customer's virtual currency account).

  Note that step S402 shown in FIG. 4 may be omitted. If step S402 shown in FIG. 4 is omitted, the customer's transaction information may be received, for example, by being entered directly into computer system 110.

  It should be noted that the computer system 110 (for example, the processor unit 112 of the computer system 110) is configured so as to be capable of executing the process of transferring money between the customer's fiat currency account and the customer's virtual currency account. There is. For example, the computer system 110 (eg, the processor unit 112 of the computer system 110) receives a remittance request between the customer's fiat currency account and the customer's virtual currency account, and responds to the receipt of the remittance request. Information about the customer's fiat currency account (for example, information indicating the balance of the customer's fiat currency account stored in the fiat currency account database unit 142 (that is, the amount of the customer's fiat currency account). ) And information about the customer's virtual currency account (for example, information indicating the balance of the customer's virtual currency account stored in the virtual currency account database unit 143 (that is, the amount of the customer's virtual currency account)). Is configured to update. The remittance request between the customer's fiat currency account and the customer's virtual currency account is, for example, information indicating the amount of money to be transferred from the customer's fiat currency account to the customer's virtual currency account, or the customer's virtual currency. It includes information indicating the amount of money to be transferred from the cash account to the customer's fiat currency account.

  Thus, the remittance between the customer's fiat currency account and the customer's virtual currency account is performed within a single computer system 110. Therefore, the customer can perform money transfer between the customer's fiat currency account and the customer's virtual currency account by authenticating the user only once when using the money transfer service. As a result, customer convenience can be improved.

  In addition, remittance between the customer's fiat currency account and the customer's virtual currency account is done via a dedicated line. Therefore, remittance between the customer's fiat currency account and the customer's virtual currency account can be performed in an environment with a high degree of security.

  The computer system 110 (for example, the processor unit 112 of the computer system 110) receives the remittance request to the virtual currency account of the customer, determines whether the remittance source is the customer's fiat currency account, When it is determined that the remittance source is not the customer's fiat currency account, the processing for notifying that the remittance to the customer's virtual currency account has been rejected may be executed. Here, the remittance request to the customer's virtual currency account includes, for example, the remittance amount to the customer's virtual currency account and information indicating the remittance source, and whether the remittance source is the customer's fiat currency account. The determination may be performed based on the information indicating the remittance source.

  It should be noted that the computer system 110 (for example, the processor unit 112 of the computer system 110) is a “derivative transaction” for financial derivative products derived from financial instruments (for example, stocks, bonds, interest rates, and exchange rates) that are underlying assets. May be configured to be able to execute the processing for. “Derivatives trading” is, for example, “forwards trading”, which predetermines the trading conditions of products to be sold in the future, “option trading” which purchases the right to buy or sell future products in advance, and conditions such as interest rate and currency promised in advance. Includes "swap transactions" to exchange.

  It should be noted that the computer system 110 (for example, the processor unit 112 of the computer system 110) determines whether or not a predetermined period of time has passed, and if it is determined that the predetermined period of time has passed, the virtual currency account of the customer is set. It may be configured to be able to execute a process for accumulating a predetermined amount of money. As a result, it is possible to realize the periodic regular accumulation in the customer's virtual currency account.

  In the embodiment described with reference to FIG. 1, the system 100 has been described in which the computer system 110 directly manages the virtual currency account of the customer (so-called “on-premise system”). The present invention is not limited to this. For example, the system 100 is an "ASP system" in which the computer system 110 entrusts the management of the customer's virtual currency account to an external vendor, while the computer system 110 is still responsible for managing the customer's virtual currency account. May have. Alternatively, the system 100 has a configuration in which the computer system 110 uses the mechanism of the virtual currency system of the virtual currency exchange business, while the computer system 110 takes a “white label method” that acts as an interface to the customer. You may have.

  Although the present invention has been illustrated by using the preferred embodiment of the present invention as described above, the present invention should not be construed as being limited to this embodiment. It is understood that the scope of the present invention should be construed only by the scope of the claims. It is understood that those skilled in the art can implement an equivalent range based on the description of the present invention and common general knowledge from the description of the specific preferred embodiments of the present invention.

  INDUSTRIAL APPLICABILITY The present invention is useful as a method, a computer system, and the like for providing a virtual currency service that is effective against money laundering.

100 system 110 computer system 120 _{1 to} 120 _N customer's device 130 internet 140 database section

Claims (6)

A computer system, the computer system comprising:
A processor section,
A database unit for managing respective fiat currency accounts of a plurality of customers and virtual currency accounts of a plurality of customers, wherein the database unit is realized by a decentralized network using a distributed ledger technology. And a database section,
The database section stores information about each fiat currency account of each of the plurality of customers and information about each virtual currency account of each of the plurality of customers, and the plurality of customers identify the first customer. Including at least
The processor unit is configured to execute at least transaction processing from a fiat currency account of the first customer and transaction processing from a virtual currency account of the first customer,
The computer system, wherein the first customer virtual currency account is associated with the first customer fiat currency account. Information about each virtual currency account of the plurality of customers is shared by some or all of the plurality of nodes included in the distributed network,
Transaction processing from the virtual currency account of the first customer is shared by some or all of the plurality of nodes included in the distributed network via a node connected to the computer system. The computer system of claim 1, completed by updating at least some of the information about the virtual currency account. The plurality of customers further includes a second customer different from the first customer,
The processor unit is configured to execute remittance processing from the virtual currency account of the first customer to the virtual currency account of the second customer, and the remittance processing converts the virtual currency into legal currency. The computer system according to claim 1 or 2, which is performed without conversion.   4. The processor unit according to claim 1, wherein the processor unit is further configured to execute a process of transferring money between the fiat currency account of the first customer and the virtual currency account of the first customer. The computer system according to any one of claims. The process of transferring money between the fiat currency account of the first customer and the virtual currency account of the first customer,
The process of receiving a remittance request,
5. Responding to receiving the remittance request, updating the amount of the fiat currency account of the first customer and the amount of the virtual currency account of the first customer. Computer system. The processor unit is
Receiving account selection information, wherein the account selection information indicates that the first customer wants to trade from the first customer's fiat currency account or the first customer's virtual currency. Indicating whether you want to trade from your account
Execute transaction processing from the fiat currency account of the first customer when the account selection information indicates that the first customer wishes to trade from the fiat currency account of the first customer However, when the account selection information indicates that the first customer desires to trade from the virtual currency account of the first customer, transaction processing from the virtual currency account of the first customer The computer system according to any one of claims 1 to 5, wherein the computer system is further configured to:

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