JP6712733B2 - Trade transaction management system, trade transaction management method and trade transaction management program for managing trade transactions using virtual currency - Google Patents

Description

The present invention relates to a system, method and program for managing trade transactions.

In foreign trade, there are differences between importers and exporters in different countries, different currencies, different trading banks, etc. The exchange of financial information is complicated by multiple banks and multiple currencies. Various exchange methods were adopted. And, since the complicated exchange method is required, a great amount of cost and time are required for exchanging financial information.

When carrying out foreign trade, in terms of cost, since money flows across multiple banks, the fees and currency exchange charges incurred by each bank were enormous. In terms of time, because financial information is exchanged across multiple banks, the more banks that intervene, the greater the amount of time required due to the difference in business hours between banks and the confirmation and approval work time. ..

In addition, a method of generating special credit procedures that do not occur in transactions between domestic countries, such as confirmation of credit information only between remote areas and insurance, was adopted. In the credit procedure, since the credit information of the customer is not known, the letter of credit for guaranteeing the credit information to the customer's bank was used to secure the financial security before starting the trade.

Patent Document 1 discloses a technique for realizing trade transactions effectively by managing credit information and bills of lading together in order to realize smooth trade transactions.

JP, 2011-96060, A

The conventional technology has streamlined some procedural aspects of trade transactions, such as management of letters of credit and bills of lading. However, the cost problem caused by the interposition of multiple banks and the time problem caused by the procedure due to the difference in countries, the difference in currencies, the difference in transaction banks, etc. have not yet been resolved.

The present invention has been made in view of the above circumstances, and an object thereof is to provide a trade transaction management system for efficiently realizing trade transactions.

In order to solve the above problems, the present invention is a trade transaction management system for managing trade transactions using virtual currency, comprising:
A means for accepting an issuance request equivalent to a letter of credit for setting a payment guarantee by reserve processing the guarantee amount,
Means for performing an issuance approval process for the letter of credit equivalent to the issuance request,
Means for accepting registration of reserve information corresponding to the letter of credit equivalent,
A means for reserving the guarantee amount based on the reserve information in order to set a payment guarantee of the virtual currency held by the importer for the wallet held by the exporter on the predetermined payment date;
Means for remittance processing of virtual currency as the guarantee amount to a wallet held by the exporter on the payment date.

The present invention also provides a trade transaction management method for managing trade transactions using virtual currency,
A step of accepting an issuance request equivalent to a letter of credit for setting a payment guarantee by reserve processing the guarantee amount,
A step of performing an issuance approval process for the letter of credit equivalent to the issuance request,
Accepting registration of reserve information corresponding to the letter of credit equivalent,
Reserving a guarantee amount based on the reserve information in order to set a payment guarantee of the virtual currency held by the importer for the wallet held by the exporter on the predetermined payment date,
The computer executes a step of remittance processing of virtual currency as the guarantee amount to a wallet owned by the exporter on the payment date.

The present invention also provides a trade transaction management program for managing trade transactions using virtual currency,
A means for accepting an issuance request equivalent to a letter of credit for setting a payment guarantee by reserving a guarantee amount for a computer,
Means for performing an issuance approval process for the letter of credit equivalent to the issuance request,
Means for accepting registration of reserve information corresponding to the letter of credit equivalent,
A means for reserving the guarantee amount based on the reserve information in order to set a payment guarantee of the virtual currency held by the importer for the wallet held by the exporter on the predetermined payment date;
On the payment date, the wallet owned by the exporter is caused to function as a means for remittance processing of virtual currency as the guarantee amount.

By introducing virtual currencies into trade transactions and adopting such a configuration, importers and exporters can directly carry out transactions across national borders and across domestic banks. Is possible. This allows importers and exporters to implement foreign trade transactions at the same cost, time, and procedures as for domestic transactions. By incorporating a mechanism similar to the existing purpose that can be done with virtual currencies, it becomes possible to enjoy the merit of trading on virtual currencies and realize secure transactions.

In a preferred embodiment of the present invention, the payment guarantee set for the exporter, means for accepting a discount application for receiving payment before the payment date,
Means for performing approval processing for the discount application,
Means for performing the payment guarantee discount process,
The discount process is a process of transferring the right to receive the guarantee amount related to the payment guarantee for which the discount application is approved, from the exporter to the discount payer,
A process for remitting virtual currency as a discount amount from the discount payer who has the right to receive money to the wallet owned by the exporter.
With such a configuration, a bill discount can be realized, and a system that is more convenient for the exporter can be provided. Further, the bill discount can be realized by significantly reducing the cost and time as compared with the conventional procedure.

In a preferred embodiment of the present invention, means for accepting the payment guarantee cancellation application for the letter of credit equivalent to the issuance approval process,
A means for performing cancellation approval processing for the payment guarantee for which cancellation is applied,
Means for canceling the payment guarantee that has been set for the payment guarantee that has undergone cancellation approval processing.
With such a configuration, it is possible to significantly reduce costs and time and efficiently cancel the payment guarantee as compared with the conventional procedure.

In a preferred aspect of the present invention, the virtual currency is provided by a block chain technology in a transaction processing network that performs transaction processing by a plurality of nodes,
The transaction processing network comprises means for performing status setting for restricting transfer of virtual currency of another user who is reserved for payment to the user who is set up with the right to receive payment.
The reserve process includes a process of setting the payment reservation based on the correspondence of the letter of credit and a process of setting the status.
With such a configuration, it is possible to more efficiently realize the payment guarantee reserve process by using the virtual currency.

In a preferred aspect of the present invention, the transaction processing network is provided with means for accepting transfer of the receiving right to another user after approval of the user having the receiving right.
With such a configuration, the bill discount can be realized more efficiently, and a system that is more convenient for the exporter can be provided.

In a preferred aspect of the present invention, the reserve information includes information indicating a payment source, a guarantee amount, and an electronic signature of the payment source regarding the payment,
The reserve process includes a process of transmitting the reserve information to a transaction processing network managing a virtual currency transaction on the payment date,
The means for processing the remittance is characterized in that the reserve information is transmitted to a transaction processing network on the payment date.
With such a configuration, it is possible to realize the foreign trade transaction using the existing virtual currency.

A preferred embodiment of the present invention is characterized by comprising means for generating reserve issue certificate data and reserve receipt certificate data based on the setting of the payment guarantee.
With such a configuration, payment guarantee can be efficiently realized.

A trade transaction management system for efficiently implementing trade transactions can be provided.

It is a figure which shows the outline of the trade transaction which concerns on embodiment of this invention. It is a figure which shows the outline of the trade transaction management system which concerns on embodiment of this invention. It is a hardware block diagram of the trade transaction management system which concerns on embodiment of this invention. It is a functional block diagram of a trade transaction management system concerning an embodiment of the present invention. It is a processing flowchart which concerns on the setting of the payment guarantee which concerns on embodiment of this invention. It is a processing flowchart which concerns on cancellation of the payment guarantee which concerns on embodiment of this invention. It is a processing flowchart which concerns on transfer of the payment guarantee which concerns on embodiment of this invention. It is a figure which shows the outline of the existing trade transaction.

Hereinafter, a system according to the present invention will be described with reference to the drawings. The following embodiments are examples of the present invention, and the present invention is not limited to the following embodiments, and various configurations can be adopted.

For example, although the system configuration, operation, and the like are described in the present embodiment, a method, a server device, a computer program, a recording medium, and the like having the same configuration can also achieve the same operational effect. In addition, the program may be stored in a recording medium. By using this recording medium, the program can be installed in, for example, a computer. Here, the recording medium storing the program may be a non-transitory recording medium such as a CD-ROM.

<Outline of existing trade transactions>
FIG. 8 is a diagram showing an outline of an existing trade transaction. As a payment method for realizing a trade transaction, there is a payment method using a letter of credit (L/C). As shown in the figure, when the importer concludes a sales contract with the exporter (1), the importer requests the bank issuing the letter of credit to open the letter of credit (2). The issuing bank, which receives the letter of credit opening request from the importer, sends the letter of credit to the purchasing (notification) bank (3). The purchase (notification) bank notifies the exporter of the arrival of the letter of credit and issues the letter of credit (4).

The exporter makes a customs shipping request to the transportation company/customs clearance company, and the transportation company/customs clearance company issues a bill of lading (B/L) to the exporter in exchange for the cargo (6). The exporter/importer has applied for export/import application to the export regulatory agency and has been granted permission (5). The transportation company/customs clearance company has applied for customs clearance (7). Import and export cargo with permission (7). The exporter sends a shipping notice to the importer once the shipping date is confirmed (7).

The exporter attaches the letter of credit (original) and shipping documents (invoice, bill of lading, etc.) and requests the bank to purchase the purchase documents (billing bill) (8). As a result, the exporter collects the product price. In response to the request to purchase the documentary bill of exchange, the bank of the exporter sends the document of purchase such as the document of bill of exchange and shipping documents to the bank of the importer who issued the letter of credit (9).

The importer's house bank receives the purchase documents, pays the exporter's house bank, and requests the importer to undertake the bill of lading (purchase bill). The importer exchanges the bill of exchange for the bill of exchange. First, the bill of lading is received (10). The importer receives the cargo delivery instruction (D/O) in exchange for the bill of lading from the transportation company/customs clearance company and presents it to the warehouse of the shipping company to receive the cargo (11).

<Outline of trade transactions according to this embodiment>
FIG. 1 is a diagram showing an outline of a trade transaction according to this embodiment. As shown in the figure, when an importer concludes a sales contract with an exporter (1), the exporter/importer exchanges virtual currency with an exchange or sales office that exchanges cash and virtual currency. And obtain a predetermined amount of virtual currency (2). The virtual currency exchanged here is remitted to the address managed by the exporter/exporter in his/her own wallet, and each person gets the ownership.

In the trade transaction management system 1, the exporter requests the issuance of a letter of credit, and the importer approves the issuance, whereby the virtual currency reserve process described later is performed. When the importer carries out the reserve process for the virtual currency owned by the importer, the trade history is generated in the trade transaction management system 1, and the reserve history is received and stored in the wallet. In addition, the trade transaction management system 1 generates a receiving right corresponding to this reserve process, and the exporter receives the receiving right and stores it in the wallet. As a result, procedures corresponding to letters of credit, bills of exchange and forward exchange contracts are performed (3), and trade transactions are realized. Thereafter, as in the case of the existing trade transaction shown in FIG. 8, the cargo is exported and imported through (5) to (7).

After that, based on the information generated by the reserve processing, the ownership of the virtual currency of the reserve-processed importer is transferred, the exporter collects the product price, and the shipping documents (invoice, bill of lading, etc.) Send the purchase documents of (3). The importer receives the bill of lading (3), receives the cargo delivery instruction (D/O) from the transport company or customs broker in exchange for the bill of lading, and presents it to the warehouse of the shipping company, etc. Receive (11).

<Outline of trade system>
FIG. 2 is a schematic diagram of the trade transaction management system according to the present embodiment. The trade transaction management system 1 includes a communication device 2 and a virtual currency letter of credit device 3. The trade transaction management system 1 (communication device 2, virtual currency letter of credit device 3) includes an exporter terminal 4, an importer terminal 5, a purchasing bank (discount payer) terminal 6 and a transaction process via a network NW such as the Internet. It is communicably connected to the network 10. Further, the exporter terminal 4, the importer terminal 5 and the purchasing bank (discount payer) terminal 6 are configured to be communicable with the transaction processing network 10.

The transaction processing network 10 is a network for managing transactions of virtual currencies by using a blockchain technology represented by bitcoin and its derived currency. The blockchain technology is a mechanism in which a large number of nodes 11 on the network operate as a P2P network, and the same record is synchronized between the nodes 11, and becomes a recording unit when a new record is added to an existing record. Blocks are added one after another in a chain while inheriting the contents (hash) of the immediately preceding block.

Users (exporters, importers, purchasing banks, etc.) store secret keys, addresses, etc. in their own wallets, and use them to send and receive virtual currencies provided by blockchain technology. Perform processing required by the wallet application such as. The user can perform transaction of virtual currency by generating transaction information using his/her own secret key and transmitting it to the transaction processing network 10.

Note that the exporter terminal 4, the importer terminal 5, the purchasing bank (discount payer) terminal 6, and the like may participate in the transaction processing network 10 as the node 11.

Here, in the present embodiment, a case will be described in which an existing virtual currency such as Bitcoin or Ethereum is used as the virtual currency based on the blockchain technology. However, a purchasing bank or the like builds the transaction processing network 10 and issues it independently The virtual currency used in the present invention may be provided using the virtual currency. When constructing the transaction processing network 10, in addition to decentrally managing transactions of virtual currencies on the network, in the case of reserving (reserving) virtual currency for a guaranteed amount, the virtual currency of the reserved amount By providing the virtual currency side with a status setting function for restricting transfer, it is possible to more effectively realize trade transactions using virtual currency.

<Hardware configuration related to trade system>
FIG. 3A is a diagram showing a hardware configuration of the communication device 2. The communication device 2 communicates with a computing device (CPU 201), a main storage device (RAM 202), an auxiliary storage device (storage device 203) such as HDD, SSD, flash memory, etc., and an external device via a network NW. The communication device 204 is an interface for inputting, an input device 205, and an output device 206. In addition, the storage device 203 stores an operating system 207, a communication program 208 that performs its functions in cooperation with the operating system 207, and the like.

FIG. 3B is a diagram showing a hardware configuration of the virtual currency letter of credit device 3. The virtual currency letter of credit device 3 is provided with an arithmetic device (CPU 301), a main storage device (RAM 302), an auxiliary storage device (storage device 303) such as an HDD, an SSD, and a flash memory, an external device, and a network NW. A communication device 304 that is an interface for performing communication, an input device 305, and an output device 306 are provided. Further, the storage device 303 stores an operating system 307 and a virtual currency letter of credit program 308 that cooperates with the operating system 307 to exert its function.

FIG. 4 is a functional block diagram of the trade transaction management system 1.
The communication device 2 is used for communication such as negotiation, application, request and approval between the exporter and the importer or between the exporter and the purchasing bank (discounter). The communication device 2 includes a communication unit 21, a letter of credit equivalent issue request unit 22, a letter of credit equivalent approval unit 23, a payment guarantee cancellation application unit 24, a payment guarantee cancellation approval unit 25, a discount application unit 26, and a discount. The approval means 27 is provided.

The virtual currency letter of credit device 3 is a processing device for realizing a reserve process. The virtual currency letter of credit device 3 has a reserve information receiving means 31, a reserve processing means 32, a receiving right setting means 33, a reserve history setting means 34, a payment means 35, a certificate data generation means 36, and a discount means 37. And are equipped with.

Here, each processing unit for realizing the functional configuration included in the communication device 2 and the virtual currency letter of credit device 3 in the present embodiment does not necessarily need to be included in two server devices, and one or a plurality of computers. May be provided in the.

The exporter terminal 4, the importer terminal 5 and the purchasing bank terminal 6 include various types of computing devices such as a CPU, main storage devices such as RAM, auxiliary storage devices such as HDD, SSD and flash memory, and connection means to the network NW. It is possible to use a general-purpose computer device (CP) such as a personal computer, a smartphone, or a tablet terminal, which is equipped with the input/output device of FIG.

An application for using the trade transaction management system 1 is stored in the auxiliary storage device, and a trade transaction is executed using this application. Note that FIG. 2 illustrates a configuration in which the exporter terminal 4, the importer terminal 5, and the purchasing bank terminal 6 are connected to the trade transaction management system 1 one by one via a network, but a plurality of each is provided. You may be connected and use the trade transaction management system 1.

Here, the wallet application possessed by the exporter terminal 4, the importer terminal 5 and the purchasing bank terminal 6 has a transaction information generation/transmission function, a transaction history management function relating to an address managed by its own wallet, and a virtual currency balance. In addition to the functions such as the management function that are installed in the standard virtual currency wallet, as a function as an application for using the trade transaction management system 1, a reserve history management function when the reserve process described below is performed, It includes a function to manage the right to receive reserved virtual currency.

In this example, the virtual currency is managed in the desktop wallet format in which the wallet application is installed in the computer device (CP), but the wallet data is stored in the computer device managed by a third party via the Internet. Various types of wallets may be used as necessary, such as a web wallet, a hardware wallet that manages these data with a dedicated terminal, and a mobile wallet in which an application is installed on a mobile terminal.

In the present embodiment, each of the exporter terminal 4, the importer terminal 5, and the purchasing bank terminal 6 manages the virtual currency purchased from the transaction processing network 10 with the above-mentioned wallet, and uses the virtual currency to perform a trade transaction. To use. Each of the exporter terminal 4, the importer terminal 5, and the purchasing bank terminal 6 stores its own wallet address, public key, and private key as information for identifying the wallet, and uses these to use the blockchain technology. Performs processing required by the wallet application such as remittance and receipt processing of virtual currency provided by.

The exporter terminal 4 stores, in an auxiliary storage device, applications that function as communication means 41, application/approval means 42, and certificate data reception means 43 as applications for using the trade transaction management system 1. There is. In the present embodiment, the wallet application stored in the exporter terminal 4 functions as a wallet for exchanging data related to virtual currency with the transaction processing network 10 and provides these functional means.

The importer terminal 5 stores an application functioning as a communication means 51, an application/approval means 52, and a certificate data receiving means 53 as an application for using the trade transaction management system 1 in an auxiliary storage device. There is. In the present embodiment, the wallet application stored in the importer terminal 5 functions as a wallet for exchanging data relating to virtual currency with the transaction processing network 10 and provides these functional means.

The purchase bank terminal 6 stores an application functioning as a communication means 61, an application/approval means 62, and a certificate data receiving means 63 as an application for using the trade transaction management system 1 in an auxiliary storage device. There is. In the present embodiment, the wallet application stored in the purchasing bank terminal 6 functions as a wallet for exchanging data relating to virtual currency with the transaction processing network 10 and provides these functional means.

<Purchase of virtual currency>
The exporter terminal 4, the importer terminal 5 and the purchasing bank terminal 6 purchase virtual currency from a virtual currency exchange or sales office. When a purchase is requested from the exchange or sales office, the exchange or sales office creates a transaction for sending the purchased virtual currency to the wallet of the user who requested the purchase, and sends it to the transaction processing network 10. .. By allowing the transaction processing network 10 to approve the transmitted transaction, the virtual currency is remitted to the purchaser. The transaction history sent from the transaction processing network 10 side is stored in the wallet of the purchaser.

<Request for issuance of credit letter, approval>
Next, with reference to FIG. 5, a payment guarantee setting process by issuing a letter of credit equivalent will be described. FIG. 5 is a processing flowchart when issuing a letter of credit equivalent and setting a payment guarantee.

In step S1 of FIG. 5, the exporter and the importer conclude a sales contract. The exporter and the importer who have the sales contract execute a communication process via the communication means 21 (step S2).

The communication means 21 executes communication processing for communication among the exporter terminal 4, the importer terminal 5 and the purchasing bank terminal 6. The exporter terminal 4, the importer terminal 5, and the purchasing bank terminal 6 use the communication unit 21 via the communication unit 41, the communication unit 51, and the communication unit 61. For example, communication in the form of chat or messenger is realized, and negotiations such as determination of guaranteed payment amount, transaction suspension, request for discount, approval, etc. are performed via the communication means 21.

If the communication means 21 agrees on the payment guarantee amount and the payment timing in step S2, the exporter sets the payment guarantee amount and the payment timing via the application/approval means 42 in step S3. Make an issue request equivalent to the letter of credit. The letter of credit equivalent issue requesting means 22 is a means for reserving the guarantee amount and accepting an issue request corresponding to the letter of credit for setting the payment guarantee. The letter of credit equivalent issue request means 22 accepts a letter of credit equivalent issue request made through the application/approval means 42.

In step S4, the importer confirms the content of the issued request corresponding to the applied letter of credit and approves issuance of the letter of credit through the application/approval means 52. The letter-of-credit equivalent approval means 23 is means for performing issuance approval processing for the letter of credit equivalent to the issuance request. The letter of credit equivalent approval unit 23 receives the approval of the issuance of the letter of credit equivalent made through the application/approval unit 52, and performs the issue approval process.

The reserve processing unit 32 is a unit that reserves a guarantee amount based on the reserve information in order to set a payment guarantee of the virtual currency held by the importer to the wallet held by the exporter on a predetermined payment date. .. The reserve information receiving unit 31 is a unit that receives registration of reserve information corresponding to a letter of credit.

In step S5, when the issuance of a letter of credit equivalent is approved by the letter of credit equivalent approval unit 23, a reserve process is performed. In the present embodiment, the reserve process includes a process of storing the reserve information generated by the wallet 50 of the importer and received via the reserve information receiving means 31, and a process of setting a payment guarantee based on the reserve information. Including.

The reserve information in this embodiment includes information indicating a payment source, a guarantee amount, and a digital signature of the payment source regarding the payment. More specifically, information (addresses, etc.) for specifying the wallet of the payment source (importer) and the recipient (exporter), the amount of money sent for virtual currency (payment guarantee amount), the payment source (importer) It contains an electronic signature generated using the private key of.

When these pieces of information are transmitted to the transaction processing network 10, the transaction is executed after the transaction is approved. In the reserve process according to the present embodiment, these pieces of information generated by the wallet 50 of the importer terminal 5 are stored as reserve information in the trade transaction management system 1 (virtual currency letter of credit device 3) and based on the payment time. To send the transaction.

The payment guarantee amount, the payment timing, etc. are determined as a result of the communication between the two by the communication means 21. The payment period and the like may be set on the side of the trade transaction management system 1 according to the date and time of the issuance request and approval date and time corresponding to the letter of credit. The exporter or importer may set all of this information, or the exporter may set part of this information and the importer may set the remaining part or all of this information. Further, the reserve information stored in the trade transaction management system 1 is associated with a reserve history described later and identification information for specifying a right of receipt.

When the payment guarantee is set based on the reserve information, the reserve history setting means 34 sends the reserve history to the importer who has issued the letter of credit equivalent (the reserve of the payment amount), and the reserve history in the wallet 50. Is stored. As the reserve history, in the present embodiment, the reserve issuance certificate data is generated via the certificate data generating means 36, and the reserve issue certificate data is sent via the reserve history setting means 34. The certificate data receiving means 53 of the importer terminal 5 receives the reserve issue certificate data (step S6).

Further, the receiving right setting means 33 sends the receiving right to the exporter, and the receiving right is stored in the wallet 40. In the present embodiment, as the right to receive, the reserve receipt certificate data is generated via the certificate data generating means 36, and the reserve receipt certificate data is sent via the receive right setting means 33. The certificate data receiving means 43 of the exporter terminal 4 receives the reserve receipt certificate data (step S7).

A status is set in the receiving right and the reserve history, and the user can grasp the current reserve status from the information stored in the wallet and the status. The status represents, for example, a valid state, a stopped state, a completed state, or the like. When these states are added as statuses to the receiving right and the reserve history, the receiving right (reserve receipt certificate data in step S7) and the reserve history (reserve issue certificate data in step S6) sent after the payment guarantee is set are valid. Status is set.

The exporter to which the right to receive is set requests the shipping company to load the cargo (step S8). The shipping company that received the shipping request carries out cargo shipping (step S9), issues a bill of lading and sends it to the exporter, and the exporter receives the bill of lading from the shipping company (step S10). The exporter sends the received bill of lading to the importer, and the importer receives the sent bill of lading (step S11).

The payment means 35 is a means for performing remittance processing of the virtual currency as the guarantee amount to the wallet held by the exporter on the payment date. In the present embodiment, as the remittance processing, the reserve information is transmitted to the transaction processing network on the payment date, thereby performing the remittance processing of the payment guarantee amount to the exporter (step S12).

Note that the payment means 35 is optional due to payment reservation processing for automatically making payment reservation for a user who has the right to receive payment according to the payment timing and/or an input of an administrator of the trade transaction management system 1. Perform manual remittance processing for remittance at the time of.

When the remittance processing is performed, the receiving right setting means 33 releases the receiving right set in the wallet of the exporter (step S13), and the completion status is set. Further, the reserve history setting means 34 sets the reserve history set in the wallet of the importer to the paid state, and the status becomes completion (step S14).

<Cancellation of payment guarantee>
Next, the payment guarantee cancellation process will be described with reference to FIG. FIG. 6 is a processing flowchart relating to cancellation of payment guarantee. After step S21 in FIG. 6, description will be made assuming that the processing up to step S7 in FIG. 5 has been completed. In addition, the following is an example of the case where the exporter applies for payment guarantee cancellation.

After setting the reserve process (step S7), it is necessary to cancel the payment guarantee setting when the transaction is canceled. In step S21 of FIG. 6, the exporter and the importer execute a communication process through the communication means 21 to discuss cancellation of payment guarantee.

If the payment guarantee cancellation agreement is obtained between the two parties, the exporter makes an application for cancellation of the approved payment guarantee through the application/approval means 42. The payment guarantee cancellation application means 24 accepts the payment guarantee cancellation application made through the application/approval means 42 (step S22). When the importer makes a payment guarantee cancellation application, the importer makes an approved payment guarantee cancellation application through the application/approval means 52. The payment guarantee cancellation application means 24 receives a payment guarantee cancellation application made through the application/approval means 42 or the application/approval means 52.

In step S23, the importer confirms the applied content of the payment guarantee cancellation, and approves the payment guarantee cancellation via the application/approval means 52. The payment guarantee cancellation approval means 25 receives the payment guarantee cancellation approval made through the application/approval means 52. When the importer makes a payment guarantee cancellation application, the exporter confirms the details of the payment guarantee cancellation that has been applied, and approves the payment guarantee cancellation through the application/approval means 42. The payment guarantee cancellation approval means 25 receives the payment guarantee cancellation approval made through the application/approval means 42 or the application/approval means 52.

In step S24, the payment means 35 cancels the payment reservation registered based on the reserve information. In the present embodiment, the cancellation processing includes stopping the registered payment schedule (cancelling the reservation for sending the reservation information to the transaction processing network 10), setting the cancellation status for the reservation history, and setting the cancellation status for the receiving right. ,including.

For the payment guarantee based on the reserve process set in the importer's wallet by the reserve history setting means 34, the reserve history is set to be canceled (step S25), and the receiving right setting means 33 sets it in the exporter's wallet. The receiving right is set to be canceled (step S26).

<Transfer of payment guarantee>
Next, the payment guarantee transfer process will be described with reference to FIG. FIG. 7 is a processing flowchart relating to transfer of payment guarantee. After step S31 of FIG. 7, it is assumed that the processing up to step S7 of FIG. 5 (setting of reserve processing) is completed.

After the reserve process is set (step S7), if the exporter wants to redeem the receiving right prior to the payment period, the receiving right can be transferred to the purchasing bank at a discounted amount and the cashing (so-called bill discount) can be performed early. In step S31 of FIG. 7, the exporter who owns the receiving right and the purchasing bank which purchases the receiving right execute a communication process through the communication means 21 to present a discount request and a discount.

If a discount agreement is obtained between the two parties, the exporter makes a discount application associated with the discount content via the application/approval means 42 (step S32). The discount application means 26 receives the discount application made through the application/approval means 42.

In step S33, the purchasing bank confirms the applied discount content and approves the discount through the application/approval means 62. The discount approval means 27 receives the discount approval made through the application/approval means 62.

Further, the discount means 37 carries out a discount processing of the right to receive. The discount process includes a process for transferring the virtual currency of the discount amount held by the purchasing bank to the exporter who holds the right to receive, and a process for transferring the right to the purchasing bank.

In step S33, in this embodiment, the reserve information generated in the purchasing bank terminal 6 is transmitted to the trade transaction management system 1 as processing for remittance. The reserve information transmitted here includes information (addresses, etc.) for identifying the wallet of the payment source (purchasing bank) and the recipient (exporter), the amount of virtual currency sent (discount amount), the payment source (purchasing bank). ) Contains an electronic signature generated by using the private key.

Note that the reserve information does not necessarily have to be transmitted to the trade transaction management system 1, and a transaction may be transmitted from the purchasing bank terminal 6 to the transaction processing network 10 to remit the virtual currency of the discount amount to the exporter. Good.

Further, as a process for transferring the receiving right to the purchasing bank, the receiving right is transferred from the exporter to the purchasing bank (step S34). Further, the importer is notified of the transfer of the receiving right (step S35).

When the right of receipt is transferred from the exporter to the purchasing bank, the recipient of the reserve information is changed from the exporter to the purchasing bank (step S36).

When these processes are completed, the discount amount reserve information is transmitted to the transaction processing network 10 and the discount amount is paid (step S37).

<Other Examples>
In this embodiment, the case where the existing virtual currency is used as the virtual currency has been described, but an original virtual currency may be used. As a unique virtual currency, it may be provided as a block chain by a transaction processing network that performs transaction processing by a plurality of nodes.

Transaction processing networks for proprietary cryptocurrencies are preferably provided with means for setting status for transfer-restricted cryptocurrencies that are reserved for payment. The transaction processing network may be provided with a means for reserving payment of the virtual currency of the holder to a user who has the right to receive the payment on a predetermined payment date, or a trade transaction management system outside the transaction processing network. Alternatively, it may be performed by a trade transaction management system that functions as a node in a transaction processing network.

Further, in this case, it is preferable that the process corresponding to the reserve process in the present embodiment is realized by the payment reservation setting process based on the letter of credit equivalent and the status setting process by the transaction processing network.

Further, it is preferable that the transaction processing network further includes means for accepting the transfer of the receiving right after the approval of the user having the receiving right.

Furthermore, when using the original/existing virtual currency, the trade transaction management system 1 functions as an exchange or sales office for exchanging cash and virtual currency with respect to the exporter, importer, and purchasing bank. Good. Also, the trade transaction management system 1 prevents the value of the virtual currency from fluctuating after the right to receive is set when performing the reserve process, and prevents the amount from fluctuating when actually receiving the virtual currency. Therefore, an exchange reservation function that guarantees an exchange rate between the virtual currency to be reserved and cash such as Japanese yen or dollar may be provided.

1 trade transaction management system 10 transaction processing network 11 node 2 communication device 21 communication means 22 letter of credit equivalent issue request means 23 letter of credit equivalent approval means 24 payment guarantee cancellation application means 25 payment guarantee cancellation approval means 26 discount application means 27 discount approval means 201 CPU
202 RAM
Reference numeral 203 storage device 204 communication device 205 input device 206 output device 207 operating system 208 communication program 3 virtual currency letter of credit device 31 reserve information receiving means 32 reserve processing means 33 receipt right setting means 34 reserve history setting means 35 payment means 36 certificate data generation Means 37 Discount means 301 CPU
302 RAM
303 storage device 304 communication device 305 input device 306 output device 307 operating system 308 virtual currency letter of credit program 4 exporter terminal 40 wallet 41 communication means 42 application/approval means 43 certificate data receiving means 5 importer terminal 50 wallet 51 communication means 52 Application/approval means 53 Certificate data receiving means 6 Purchased bank terminal 60 Wallet 61 Communication means 62 Application/approval means 63 Certificate data receiving means NW network

Claims (6)

A trade transaction management system configured to communicate with the transaction processing network for managing trade transactions using virtual currency managed by the transaction processing network ,
The trade transaction management system, in order to set the payment guarantee by reserve processing the guarantee amount, means for receiving an issuance request equivalent to a letter of credit in which the payment guarantee amount and the payment time are set ,
Means for performing an issuance approval process for the letter of credit equivalent to the issuance request,
A means for receiving and storing the information corresponding to the letter of credit generated in the wallet of the importer terminal as a result of the issuance approval processing, the information indicating the payment source and the reserve information having the guarantee amount ;
Means for transmitting a payment guarantee amount to an exporter by transmitting the reserve information to the transaction processing network at the payment time ,
The reserve information in the transaction processing network, trade transaction management system according to claim information der Rukoto for executing the transaction by the virtual currency. Regarding the payment guarantee set for the exporter, means for accepting a discount application for receiving payment before the payment period ,
Means for performing approval processing for the discount application,
Means for performing the payment guarantee discount process,
The discount process is a process of transferring the right to receive the guarantee amount related to the payment guarantee for which the discount application is approved, from the exporter to the discount payer,
The processing for transmitting the virtual currency as a discount amount to the wallet owned by the exporter from the discount payer who has the right to receive the payment, the processing according to claim 1, further comprising: Trade transaction management system. Means for accepting the payment guarantee cancellation application for the letter of credit equivalent to the issuance approval process,
A means for performing cancellation approval processing for the payment guarantee for which cancellation is applied,
The trade transaction management system according to claim 1 or 2, further comprising: means for canceling the payment guarantee that has been set for the payment guarantee that has undergone cancellation approval processing. The trade transaction management system further comprises means for setting a payment guarantee based on the reserve information as a result of the issuance approval process.
Means for generating reserve issuance certificate data as a reserve history and reserve receipt certificate data as a receiving right , based on the setting of the payment guarantee .
Means for sending the reserve issuance certificate data to store the generated reserve issuance certificate data in a wallet of an importer terminal;
To store the generated the reserve receipts data wallet export terminal, trade according to any one of claims 1 to 3, characterized in that it comprises, means for sending the reserved receipts data Management system. A trade transaction management method for managing a trade using the virtual currency managed by the transaction processing network, said transaction processing network and communicatively configured trade transaction management system,
In order to set a payment guarantee by reserving the guarantee amount , a step of receiving an issuance request equivalent to a letter of credit in which a payment guarantee amount and a payment time are set ,
A step of performing an issuance approval process for the letter of credit equivalent to the issuance request,
A step of receiving and storing, as a result of the issuance approval process, information corresponding to the letter of credit generated in the wallet of the importer terminal, the information indicating a payment source and the reserve information having a guarantee amount ;
Said the reserve information, by sending to the transaction processing network in the payment period, the method comprising the steps of remittance processing a payment guarantee amount to the exporter, the run,
The reserve information in the transaction processing network, trade transaction management wherein the information der Rukoto for executing the transaction by the virtual currency. A trade transaction management program for managing trade transactions using virtual currency managed by a transaction processing network ,
A means for accepting an issuance request corresponding to a letter of credit in which a payment guarantee amount and a payment time are set in order to set a payment guarantee by reserving a guarantee amount for a computer configured to communicate with the transaction processing network. ,
Means for performing an issuance approval process for the letter of credit equivalent to the issuance request,
A means for receiving and storing the information corresponding to the letter of credit generated in the wallet of the importer terminal as a result of the issuance approval processing, the information indicating the payment source and the reserve information having the guarantee amount ;
By transmitting the reserve information to the transaction processing network at the payment time , it functions as a means for processing a payment guarantee amount to an exporter ,
The reserve information in the transaction processing network, trade transaction management program, wherein information der Rukoto for executing the transaction by the virtual currency.