JP6817476B1 - Value exchange systems, programs, recording media and control methods - Google Patents

Abstract

PROBLEM TO BE SOLVED: To preferably utilize an electronic value medium owned by a user. A value exchange system is a value exchange system that manages the types of electronic value media held by each user and the amount of the electronic value media held by each user, and for the value exchange to be performed, the type of electronic value medium to be exchanged and the amount thereof. A determination means for determining the amount to be granted and a plurality of types of electronic value media that are at least a part of the electronic value media owned by the target user for value exchange are used as the electronic value media of the exchange source related to the value exchange. A selection means to be selected, an exchange means for exchanging the electronic value medium of the exchange source held by the target user selected by the selection means with the electronic value medium of the exchange destination for the amount of the grant, and the exchange means to be given to the target user. The feature is that at least one type of electronic value medium unit or auxiliary unit included in the exchange source electronic value medium is less than the minimum exchange unit related to the exchange destination electronic value medium. To do. [Selection diagram] Fig. 5

Description

The present invention relates to value exchange systems, programs, recording media and control methods, and more particularly to electronic value medium exchange techniques.

In recent years, various types of virtual currencies exist and are distributed as a means of electronic payment.

In Patent Document 1, in order to enable the use of virtual currency (investment virtual currency) in small amount settlement in daily life, by introducing a peg-based settlement virtual currency, virtual settlement is made immediately without going through mining. The currency management system is disclosed.

Japanese Patent No. 6583655

However, at present, the method of using virtual currency for small payments in daily life is not widespread, and users can use it for daily payments by going through the procedure of exchanging virtual currency for legal tender or electronic money. It is possible. Here, in the case of the former, by processing the sale using the exchange of the virtual currency exchange company, the transfer is made to the bank account owned by the user as legal tender, and the user uses it by withdrawing it. be able to. In the latter case, after obtaining legal tender once by selling it, for example, it can be used as electronic money by withdrawing it and performing a charging procedure at a dedicated charging machine or window.

By the way, there is a minimum transaction unit for legal tender and electronic money. For example, legal tender and electronic money that can be used in Japan are traded in yen units, and exchanges are set to be accepted in units of at least 1 yen, or 10 yen or 100 yen without fractions. Has been done. On the other hand, the value of virtual currency changes fluidly, and it fluctuates to a unit of 1 yen or less. Therefore, virtual currencies whose units are less than the minimum transaction unit such as legal tender cannot be sold to legal tender even if they are owned by the user, and cannot be effectively used for daily settlement.

An object of the present invention is to provide a value exchange system, a program, a recording medium, and a control method that preferably utilizes an electronic value medium owned by a user.

In order to achieve the above-mentioned object, the value exchange system of the present invention is a value exchange system that manages the types of electronic value media held by each user and the amount of the electronic value media held by each user, and is an exchange destination for the value exchange to be performed. A determination means for determining the type of electronic value medium and the amount of the electronic value medium to be imparted, and a plurality of types of electronic value media that are at least a part of the electronic value media owned by the target user for value exchange. A determination to determine the exchange amount based on a predetermined priority for each type of the electronic value medium of the exchange source held by the target user selected by the selection means and the selection means selected as the electronic value medium of the exchange source. a means and the exchange source electronic value medium of exchange capacity determined by the determining means, and exchanging means for imparting to the target user to replace the replacement target electronic value medium grant amount, a decision The means has a unit or an auxiliary unit in which at least one kind of electronic value medium included in the exchange source electronic value medium is less than the minimum exchange unit related to the exchange destination electronic value medium, and the target user has a unit . The holding amount of the electronic value medium of the type includes a fraction less than the minimum exchange unit related to the electronic value medium of the exchange destination , and the total holding amount of the electronic value medium of the type is determined as the exchange amount. In some cases, it is characterized in that the exchange amount of another type of electronic value medium contained in the exchange source electronic value medium is determined so as to make up for the lack of value by at least the fraction .

Further, in order to achieve the above-mentioned object, the program of the present invention allows the computer to select the type of electronic value medium to be exchanged as the electronic value medium and input the amount of the value exchange to be performed. a process of receiving, from among the electronic value medium target user's performing value exchange, a process of accepting a selection of the type of electronic value medium to replace the original electronic value medium according to該価value exchange, is selected For each type of exchange source electronic value medium owned by the target user, a process of determining the exchange amount based on a predetermined priority and a value exchange based on the exchange source electronic value medium of the determined exchange amount. In the process of requesting the value exchange and the process of accepting the selection of the type of the electronic value medium of the exchange source in response to the determination of the exchange source, the electronic value medium owned by the target user. A plurality of types of electronic value media are selectively presented, and at least one of the types included in the exchange source electronic value medium is included in the process of determining the exchange amount of each type of the exchange source electronic value medium. The electronic value medium of the exchange has a unit or an auxiliary unit less than the minimum exchange unit related to the electronic value medium of the exchange destination, and the holding amount of the electronic value medium of the type of the target user is the electronic value medium of the exchange destination. If the exchange amount includes a fraction less than the minimum exchange unit according to the above and the total holding amount of the electronic value medium of the type is determined as the exchange amount, the exchange source should at least compensate for the lack of value by the fraction. It is characterized in that the exchange amount of other types of electronic value media contained in the electronic value medium of is determined .

According to the present invention, such a configuration makes it possible to suitably utilize the electronic value medium owned by the user.

The figure which illustrated the structure of the value exchange system which concerns on embodiment and modification of this invention A block diagram illustrating the functional configuration of the management server 100 according to the embodiment and the modified example of the present invention. A block diagram illustrating the functional configuration of the information processing terminal 200 according to the embodiment and the modification of the present invention. A block diagram illustrating the functional configuration of the charge server 300 according to the embodiment and the modification of the present invention. A sequence diagram illustrating the value exchange realized by the value exchange system according to the embodiment and the modification of the present invention. A flowchart illustrating the charge process executed in the information processing terminal 200 according to the embodiment and the modification of the present invention. The figure which illustrated the user interface presented in relation to the charge process which concerns on embodiment and modification of this invention. Another figure illustrating the user interface presented in relation to the charge processing according to the embodiment and the modification of the present invention. The figure which exemplifies the user interface presented in relation to the exchange source change processing executed in the information processing terminal 200 which concerns on embodiment and modification of this invention. A flowchart illustrating the exchange source change process according to the embodiment and the modification of the present invention. The figure which illustrated the data structure of various information used in the value exchange system which concerns on embodiment and modification of this invention.

[Embodiment]
Hereinafter, embodiments will be described in detail with reference to the accompanying drawings. It should be noted that the following embodiments do not limit the invention according to the claims, and not all combinations of features described in the embodiments are essential to the invention. Two or more of the plurality of features described in the embodiments may be arbitrarily combined. In addition, the same or similar configuration will be given the same reference number, and duplicate description will be omitted.

One embodiment described below is an example of a value exchange system, which is operated by an information processing terminal used by each user and capable of making an exchange request related to virtual currency, and a virtual currency exchange company. A management server that provides trading, exchange, and management services for virtual currency related to the value exchange system, a trading server that buys and sells virtual currency and legal tender, and electronic money based on legal tender operated by electronic money operators. An example in which the present invention is applied to a value exchange system composed of a charge server that provides a charge service and a charge server will be described. However, the present invention is applicable to a system composed of an arbitrary group of devices capable of exchanging value between a plurality of types of electronic value media and other electronic value media. That is, the implementation of the present invention may be such that value exchange between electronic value media not limited to virtual currency is feasible, and the value exchange system can acquire legal tender by sale or a specific business. The use of external services related to the person is not mandatory.

Further, in the present specification, the "electronic value medium" is a medium having monetary value or a medium that can be used as a payment means (payment means for payment), and its transfer is electronically managed. It will be explained as being done.

<< Configuration of value exchange system >>
FIG. 1 is a diagram showing a system configuration of a value exchange system according to the present embodiment. As shown in the figure, in the value exchange system, the management server 100 and a plurality of information processing terminals 200, the management server 100 and the trading server 500, and the management server 100 and the charge server 300 can communicate with each other via the network 400. It is composed.

In the present embodiment, the information processing terminal 200 is, for example, a device such as a smartphone or a PC used by a user. A program of a dedicated application (management application) related to the use of the value exchange system is recorded in the information processing terminal 200, and the value exchange system is used by executing the program in the information processing terminal 200. The value exchange and management functions of virtual currency are provided to users.

The management server 100 is a server that provides services related to so-called exchanges of virtual currencies. The management server 100 is a user who receives a service via the information processing terminal 200 (hereinafter, an individual user), and a virtual currency exchange company (hereinafter, an individual user) who is a provider of the value exchange system and distributes virtual currency on the exchange. Below, open a virtual currency account for each of the corporate users), manage the types of virtual currency held in the virtual currency account and the amount held, sell and purchase virtual currency between users, from virtual currency, etc. We provide the exchange procedure of virtual currency or the exchange procedure agency from virtual currency to electronic money as a service.

As an exchange, a corporate user prepares a virtual currency to be distributed throughout the exchange in advance, and basically an individual user who uses this service uses a predetermined legal currency (Japanese yen in this embodiment). By "purchasing" (corporate user "selling" to the individual user), a considerable amount of virtual currency is owned by the individual user. More specifically, the corporate user prepares a virtual currency to be distributed on the exchange by paying the legal currency and purchasing the virtual currency, and manages the virtual currency in the virtual currency account of the corporate user. Then, when a purchase request is made by the individual user, the virtual currency of the corresponding amount of the virtual currency account of the corporate user is used as the virtual currency account of the individual user, subject to the payment of the legal currency of the purchase amount by the individual user. Move to and make it owned by an individual user.

Here, the purchase of the virtual currency to be distributed on the exchange is carried out through the procedure via the trading server 500 related to the virtual currency exchange company. That is, the virtual currency circulated on the exchange is obtained by making a purchase request on the trading server 500 using the legal tender of the corporate user as a source of funds, and by registering it in the virtual currency account of the corporate user, the virtual currency is registered on the exchange. It becomes possible to trade between users. The processing of buying and selling and exchanging virtual currency between users on the exchange is realized by changing the share of virtual currency purchased by the virtual currency exchange company.

By the way, in the mode in which the virtual currency is sold through the service of a third party such as a bank, the virtual currency exchange company may incur a usage fee, a withdrawal fee, and the like related to the sale. Therefore, in the value exchange system of the present embodiment, the management server 100 and the trading server 500 are described as being operated by a virtual currency exchange company, but the implementation of the present invention is not limited to this. The implementation of the present invention may be in a mode in which the operating entity of the management server 100 and the operating entity of the trading server 500 are different.

On the other hand, the charge server 300 is a server operated by an electronic money business operator to provide an electronic money charge service in legal currency. In the present embodiment, for the sake of simplicity, it is assumed that the electronic money operator configures the charge server 300 so that the electronic money charge service can be used on the network 400. It is not limited to the above, and it may be possible to charge electronic money in the value exchange system through another electronic money application service provider (ASP).

The network 400 may realize information communication between devices in a public communication network such as the Internet, a local area network (LAN), or the like. In the present embodiment, the network 400 realizes information transmission / reception between the information processing terminal 200 and the management server 100, between the management server 100 and the trading server 500, and between the management server 100 and the charge server 300 via one network 400. For example, the management server 100 and the trading server 500 are connected by a LAN, the information processing terminal 200 and the management server 100 are connected by a public communication network, and information is provided using different networks 400. It may be one that communicates.

<Functional configuration of management server>
Subsequently, the functional configuration of the management server 100 according to the present embodiment will be described with reference to FIG. FIG. 2 is a block diagram showing a functional configuration of the management server 100 according to the present embodiment.

The control unit 101 is, for example, a CPU and controls the operation of each block of the management server 100. Specifically, the control unit 101 controls the operation of each block by reading, for example, the operation program of each block recorded on the recording medium 102, expanding it into the memory 103, and executing it.

The recording medium 102 is a recording device that can permanently hold data, such as a non-volatile memory or an HDD. The recording medium 102 stores information such as parameters required for the operation of each block in addition to the operation program of each block of the management server 100. The memory 103 is a storage device used for temporary data storage such as a volatile memory. The memory 103 is used not only as an expansion area for the operation program of each block, but also as a storage area for temporarily storing data and the like output in the operation of each block.

The user DB 104 is a database that manages various information (user information) about users (individual users and corporate users) who use the service provided by the value exchange system of the present embodiment. As shown in FIG. 11A, for example, the user information is associated with the user ID 1101 that identifies the user, and the account ID 1102 that identifies the virtual currency account assigned to the user, and payment in legal tender. For each of the payment information 1103 that specifies the payment method (bank account or credit card) used at times, and the electronic money associated with the user (electronic money owned by the user or registered as a charge destination). Charge destination information 1104 having a money type ID 1111 indicating the type and a charge destination ID 1112 specifying a storage destination (for example, an electronic money account), and a transaction history for recording transaction history such as sale, purchase, and electronic money charge of virtual currency. It may include information 1105.

The virtual currency account DB 105 is information that manages information (account information) of the virtual currency account established for the exchange service provided by the value exchange system of the present embodiment. As shown in FIG. 11B, for example, the account information is associated with the account ID 1121 that identifies the virtual currency account, and for each of the types of virtual currency stored in the virtual currency account, the virtual currency It may include the currency type ID 1131 indicating the type and the account breakdown information 1122 having the holding amount 1132.

The exchange unit 106 realizes value exchange between electronic value media in the value exchange system. In the value exchange system of the present embodiment, the value exchange service provided to each user of the exchange is
・ Exchange from virtual currency to another virtual currency ・ Charge (exchange) of electronic money from virtual currency
Suppose that In consideration of the features of the present invention, the latter exchange (charge) service will be mainly described below.

When a transaction related to an exchange is carried out on an exchange, the collection unit 107 collects a fee related to the transaction. In the value exchange system of the present embodiment, an external service provided by the electronic money operator (charge service provided by the charge server 300) is used to charge the electronic money, so that the fee for using the service is charged for the transaction. It is collected from the desired user.

In addition, the value of virtual currency is variable, and there is a difference between the purchase rate and the sale rate of virtual currency. To charge electronic money from the above-mentioned virtual currency, it is necessary to convert the virtual currency to legal currency once, and the fee related to the transaction is the so-called spread, which is the purchase rate at the time of purchase of the corresponding virtual currency. The difference from the selling rate at the time of sale related to the transaction is included, and it is collected from the user who wants the transaction. That is, the fee related to the spread increases or decreases according to the exchange amount of the virtual currency to be exchanged.

It should be noted that the collection of fees by the collection unit 107 is basically performed from the type of virtual currency that is the exchange source in the transaction. That is, the fee for the virtual currency A is the spread related to the virtual currency A and the usage fee for the external service, and at the time of transaction, in addition to the virtual currency A equivalent to the electronic money to be charged, the virtual currency for the fee. A is deducted from the user's virtual currency account, and the collection unit 107 collects the virtual currency A for the fee.

When the exchange related to the electronic money charge is performed, the request unit 108 transmits a charge request to the charge server 300 and remits the legal currency of the amount to be charged, and uses this as a transaction history on the recording medium 102. Store. Further, when the request unit 108 receives the charge completion response to the charge request, the request unit 108 updates the transaction history information 1105 of the corresponding user information.

The communication unit 109 is a communication interface included in the management server 100. The communication unit 109 connects to other devices (information processing terminal 200, charge server 300, and trading server 500) via the network 400, and transmits / receives data between devices by a communication method according to a predetermined protocol. ..

<Functional configuration of information processing terminal>
Next, the functional configuration of the information processing terminal 200 of the present embodiment will be described with reference to the block diagram of FIG. In the description of the functional configuration of the information processing terminal 200, a configuration that realizes the same function as the management server 100 is identified by adding the prefix "terminal".

The terminal control unit 201 is, for example, a CPU and controls the operation of each block of the information processing terminal 200. Specifically, the terminal control unit 201 reads, for example, an operation program of each block recorded on the terminal recording medium 202 and a program of an application (exchange application) related to the use of the value exchange system, and deploys the program in the terminal memory 203. The operation of each block is controlled by executing.

The terminal recording medium 202 is a recording device that can permanently hold data, such as a non-volatile memory or an HDD. The terminal recording medium 202 stores information such as parameters required for the operation of each block, in addition to the operation program of each block and the program of the exchange application possessed by the information processing terminal 200. The terminal memory 203 is a storage device used for temporary data storage such as a volatile memory. The terminal memory 203 is used not only as an expansion area for operation programs of each block, but also as a storage area for temporarily storing data and the like output in the operation of each block.

The selection unit 204 selects the type of virtual currency to be the exchange source when the exchange related to the charge of electronic money is performed in the executed exchange application. The selection is made based on the operation input made by the individual user in the information processing terminal 200 or the default setting made for the exchange.

The trial calculation unit 205 performs various calculations for transactions related to the charge of electronic money. Regarding the charge of electronic money, the amount to be granted (the amount to be charged) is set by the individual user who desires the charge, and the trial calculation unit 205 is mainly a virtual currency for charging the electronic money of the granted amount. The exchange amount of is derived for each type. In the value exchange system of the present embodiment, when charging electronic money using virtual currency as a source of funds, the value of virtual currency is exchanged for the value of electronic money after being exchanged for legal tender. Therefore, the trial calculation unit 205 derives the exchange amount (sale amount) for obtaining the legal tender required for charging the granted amount of electronic money for each type of virtual currency selected as the exchange source. More specifically, when the type of exchange source virtual currency is selected, or when the selection of the source virtual currency type changes, the estimation unit 205 is required to charge the desired amount of electronic money. The exchange amount (sale amount) of the virtual currency for obtaining legal tender is derived for each type. The derivation of the exchange amount is determined based on the exchange rate of the type of virtual currency selected as the exchange source. In addition, the trial calculation unit 205 also derives the amount of electronic money that can be charged using the type of virtual currency selected as the exchange source.

The display control unit 206 is an information presenting means possessed by the information processing terminal 200, and controls the display on the display unit 210. The display control unit 206 includes a drawing device such as a graphic chip, and performs drawing processing to generate a screen to be displayed on the display unit 210. The display unit 210 is a display device included in an information processing terminal 200 such as an LCD. In the present embodiment, the display unit 210 is described as being integrated in the information processing terminal 200, but the embodiment of the present invention is not limited to this, and a screen relating to the exchange application is presented. The display device may be connected to the outside of the information processing terminal 200.

The operation input unit 207 is a user interface included in the information processing terminal 200 such as a touch panel or a button. When the operation input unit 207 detects the operation input made by the user, the operation input unit 207 outputs a control signal corresponding to the operation input to the terminal control unit 201.

The terminal communication unit 208 is a communication interface included in the information processing terminal 200. The terminal communication unit 208 connects to the management server 100 via the network 400, and transmits / receives data between devices by a communication method according to a predetermined protocol.

<Functional configuration of charge server>
Subsequently, the functional configuration of the charge server 300 of the present embodiment will be described with reference to the block diagram of FIG. In the description of the functional configuration of the charge server 300, a configuration that realizes the same function as the management server 100 or the information processing terminal 200 is identified by adding a prefix of "charge".

The charge control unit 301 is, for example, a CPU and controls the operation of each block of the charge server 300. Specifically, the charge control unit 301 controls the operation of each block by reading, for example, the operation program of each block recorded on the charge recording medium 302, expanding it into the charge memory 303, and executing it.

The charge recording medium 302 is a recording device that can permanently hold data, such as a non-volatile memory or an HDD. The charge recording medium 302 stores information such as parameters required for the operation of each block in addition to the operation program of each block of the charge server 300. The charge memory 303 is a storage device used for temporary data storage such as a volatile memory. The charge memory 303 is used not only as an expansion area for the operation program of each block, but also as a storage area for temporarily storing data and the like output in the operation of each block.

The granting unit 304 performs a process of granting (charging) the requested amount of electronic money to the corresponding charge destination in response to the reception of the charge request. In the present embodiment, the details of the processing related to the grant are omitted, but the processing may be performed by the conventional method for each type of electronic money.

The charge communication unit 305 is a communication interface included in the charge server 300. The charge communication unit 305 connects to the management server 100 via the network 400, and transmits / receives data between devices by a communication method according to a predetermined protocol.

In the present embodiment, the trading server 500 is provided as an entity that performs a virtual currency sale process, a virtual currency purchase process, and a legal currency remittance process related to the charge of electronic money. These processes are the implementation of the present invention. In this specification, a detailed description showing the functional configuration is not given because it is not characteristic in the above and may be performed by the conventional method. It goes without saying that these processes do not have to be performed by the trading server 500 alone, and may be performed separately by one or more devices.

<< Overview of value exchange >>
The outline of the value exchange realized by the value exchange system of the present embodiment having such a configuration will be described with reference to the sequence diagram of FIG. In the present embodiment, as described above, the individual user charges the electronic money medium owned by the individual user by using the virtual currency held in the individual user's virtual currency account as a source of funds. , A mode to be realized in this value exchange system will be described. Therefore, as a premise, it is assumed that the virtual currency account of the individual user who exchanges the value holds the virtual currency corresponding to the charge amount (grant amount) of the electronic money. In this sequence diagram, for the sake of simplicity, a mode in which an individual user charges one type of virtual currency to one type of electronic money will be described.

When the exchange application is executed in the information processing terminal 200 and the menu for charging the electronic money is selected, in S501, the type of the electronic money to be charged and the amount to be given are selected in the information processing terminal 200. Accepted. The type of electronic money to be selected is presented to the user at the information processing terminal 200 based on the charge destination information 1104 of the user information managed by the user DB 104 for the individual user to be charged.

When the type of electronic money to be charged and the amount to be granted are determined, the information processing terminal 200 accepts selection of the type of virtual currency (exchange source virtual currency) used as a source of the charge in S502. Similar to the information related to the charge destination, the type of virtual currency to be selected as the source of funds is based on the account breakdown information 1122 of the account information managed by the virtual currency account DB105 for the virtual currency account related to the individual user who charges. It is determined.

When the type of the exchange source virtual currency is determined, in S503, the exchange amount for each type of the exchange source virtual currency is determined in the information processing terminal 200. The details of the process related to the determination of the exchange amount will be described later, but the exchange amount is determined based on the type of electronic money determined in S501 and the amount granted thereof, and the exchange rate related to the virtual currency of the exchange source. Further, in S503, the fee related to this charge is also derived. As described above, the fee for electronic money charge in this system includes the charge fee for using the charge server 300 and the spread for buying and selling virtual currency.

When the necessary information related to the electronic money charge is confirmed and the operation input related to the charge execution is made, the information processing terminal 200 sends a value exchange request (charge request) to the management server 100 together with the necessary information in S504. ..

Upon receiving the value exchange request, in S505, the management server 100 transfers the virtual currency between the virtual currency accounts of the target individual user and the corporate user (virtual currency exchange company). More specifically, by updating the account information of the virtual currency account DB105, the virtual currency of the exchange source for the determined exchange amount and fee held in the virtual currency account of the target individual user becomes the corporate user. Transferred to the virtual currency account of.

When the transfer between virtual currency accounts is completed, in S506, the exchange amount of the exchange source virtual currency transferred to the corporate user's virtual currency account in S505 is sold, and the legal tender obtained by the sale is sold by the corporate user. The procedure for withdrawing money to the legal tender account is performed by the management server 100. Specifically, the processing of selling the virtual currency and withdrawing the legal tender is realized by transmitting a predetermined request from the management server 100 to the trading server 500.

In S507, a charge request (grant request) is transmitted from the management server 100 to the charge server 300 based on the necessary information related to the electronic money charge. The charge request may include information on the charge destination and information on the charge amount (grant amount).

In S508, the charge server 300 charges the electronic money for the amount granted to the charge destination.

When the charge of the amount of electronic money to be granted is completed, the information on the completion of grant is transmitted from the charge server 300 to the management server 100 in S509, and the information on the completion of grant is transmitted from the management server 100 to the information processing terminal 200. Will be done.

Upon receiving the information on the completion of grant, in S510, the information processing terminal 200 displays a notification on the display unit 210 that the charge of the granted amount of electronic money has been completed based on the virtual currency of the exchange source.

Further, in S511, a considerable amount of legal tender is charged from the charge server 300 to the management server 100 for the charge of the granted amount of electronic money. Then, in S512, the management server 100 instructs the trading server 500 to withdraw the legal tender of the amount from the legal tender account of the corporate user to the legal tender account related to the charge server 300.

By doing so, in the value exchange system of the present embodiment, it is possible to charge electronic money using the virtual currency held by the individual user as a source of funds and realize the value exchange.

<Charge using multiple types of virtual currency>
By the way, as described above, the exchange rate defined for the virtual currency and the legal tender fluctuates according to the trading situation, and the unit or the auxiliary unit of the virtual currency is the minimum charge unit of the electronic money of the exchange destination ( It can be less valuable than the minimum trading unit or minimum exchange unit (eg 1000 yen). In other words, depending on the amount held by an individual user, the user cannot use the entire amount for exchange (charge), and unless the user directly uses the virtual currency or purchases the same type of virtual currency, the virtual currency account is used as it is. Can be left behind.

The value exchange system of the present embodiment is in a state where the holding amount of a specific type of virtual currency includes a fraction less than the minimum exchange unit of electronic money, and it is possible to avoid a situation in which this cannot be used for charging electronic money. , The type of virtual currency of the exchange source can be selected without being limited to one type. That is, as described above, in the value exchange system of the present embodiment, one virtual currency account is configured to be able to hold different types of virtual currencies, and individual users can exchange a plurality of types of virtual currencies they hold. Can be selected as the source. Therefore, an individual user is selected as an exchange source when the holding amount of one type of virtual currency is less than the value of the desired amount of electronic money (even if the holding amount is exchanged for legal tender). It is possible to make up for the shortfall with other types of virtual currencies and realize the charge of electronic money.

More specifically, in the value exchange system of the present embodiment, the priority of the selected type can be set for the type of the virtual currency of the exchange source, and the virtual currency of the highest priority type is configured. If the amount of money held is less than the value of the desired amount of electronic money, the exchange amount is determined so that the lower (next lowest) type of virtual currency will make up for the shortfall. In this case, the entire amount of the virtual currency of the first priority type is selected as the exchange target, and the individual user can use up the virtual currency of the type. Further, if the value of the electronic money for the granted amount is not enough even if all the holding amounts of the lower type virtual currencies are additionally exchanged, the exchange amount is also determined for the lower type virtual currency.

That is, for the exchange amount of each type of virtual currency of the exchange source, the types of virtual currencies that determine the exchange amount are selected in ascending order of priority, and the holding amount of the virtual currency of that type is preferentially exchanged. Is repeated until the total amount of electronic money obtained by exchanging is the desired amount of grant. As a result, when there are multiple types of exchange source virtual currencies that are actually used for exchange (the exchange amount is not 0), the types excluding the type with the lowest priority among them are individuals. The entire amount held by the user is determined as the exchange target, and for the lowest type, the amount that makes up for the shortage in the exchange of the upper type virtual currency is determined as the exchange target.

At this time, the spread related to the buying and selling of virtual currency included in the fee related to charging is derived according to the exchange amount for each type of virtual currency of the exchange source to be exchanged, and each is held at the time of exchange. It may be deducted from the quantity. That is, when all of the holding amount is determined as the exchange amount, the breakdown is composed of the sale amount for obtaining the legal currency used for charging the electronic money and the spread related to the sale amount. On the other hand, regarding the use of the charge server 300, even if there are a plurality of types of exchange source virtual currencies, they are counted as one transaction. Therefore, the charge fee related to the use of the charge server 300 is given priority, for example. Those that are deducted from at least one of the multiple types of exchange source virtual currencies, such as the lowest ranked type of virtual currency and the type of virtual currency with the highest exchange amount (the highest absolute amount of exchange value). It may be.

<Exchange rate guarantee function>
As described above, in the mode of accepting the selection of the type of virtual currency as the exchange source and the setting of the priority related to the exchange, the individual user needs time to think about which one to use. On the other hand, since the exchange rate between virtual currency and legal tender fluctuates, the period for individual users to select the type of virtual currency to be exchanged, the period for setting the priority for the selected virtual currency group, and the selection. In the period until the charge execution instruction is given for the exchange source virtual currency, the individual user determines at what timing the exchange rate should be used to determine the exchange source virtual currency and at what timing the operation should be performed. It is difficult to do.

Therefore, in the value exchange system of the present embodiment, the exchange rate of each virtual currency related to the current electronic money charge is fixed at the timing of accepting the selection of the type of the virtual currency of the exchange source. That is, since the exchange rate is fixed during the above period, individual users have an opportunity to calmly select the type of exchange source virtual currency and adjust the priority while grasping the fixed exchange rate. Is guaranteed.

Here, the exchange rate is fixed only for a predetermined period, and when the period elapses, the exchange rate is updated to a new exchange rate, or the transaction related to the electronic money charge is forcibly terminated without being controlled. It may be something that is done. The predetermined period may be set to an arbitrary length, or may be controlled to be different depending on, for example, a desired amount of electronic money charge applied.

《Charge processing》
Subsequently, a specific process will be described with reference to the flowchart of FIG. 6 with respect to the charge process executed by the information processing terminal 200, which performs the user interface and information presentation for using the value exchange system of the present embodiment. The process corresponding to the flowchart can be realized by the terminal control unit 201 reading, for example, the program of the exchange application stored in the terminal recording medium 202, expanding it in the terminal memory 203, and executing the program. It should be noted that this charge process will be described as being started, for example, when an instruction operation for electronic money charge based on the virtual currency held in the virtual currency account is performed (execution operation of the corresponding menu of the exchange application).

In S601, the terminal control unit 201 accepts the selection of the type of electronic money to be exchanged. More specifically, the terminal control unit 201 acquires the charge destination information 1104 managed by the user DB 104 for the individual user (transaction user) who has given the charge instruction from the management server 100 and transmits it to the display control unit 206, for example. As shown in FIG. 7A, the type of electronic money to which the trading user is charged is displayed in a selectable manner. Then, when the operation input for selecting any type of electronic money as the exchange destination is made, the terminal control unit 201 stores the information of the selected electronic money type in the terminal memory 203 and performs the process in S602. Move.

In the present embodiment, the type of electronic money displayed as the exchange destination selection target is described as being registered in advance for the trading user and managed in the charge destination information 1104, but the present invention has been described. Implementation is not limited to this. For example, any electronic value medium that is unregistered by the trading user but can be exchanged in the value exchange service may be displayed as an exchange destination for selection.

In S602, the terminal control unit 201 accepts the input of the grant amount (requested charge amount) for the electronic money of the exchange destination type selected in S601. At this time, under the control of the terminal control unit 201, the display control unit 206 inputs the required charge amount at the face value of the corresponding legal tender, for example, as shown in FIG. 7B (selective input of a fixed amount, or minimum). A screen for accepting a numerical input of an arbitrary amount larger than the exchange unit) is displayed on the display unit 210. When the operation input related to the determination of the requested charge amount is made for the exchanged electronic money, the terminal control unit 201 stores the input requested charge amount information in the terminal memory 203 and shifts the process to S603.

In S603, under the control of the terminal control unit 201, the selection unit 204 selects one type of default setting as the virtual currency to be exchanged, and generates or updates selection information indicating the selection status of the virtual currency of the exchange source. I do. More specifically, the selection unit 204 acquires the account information managed by the virtual currency account DB 105 for the trading user from the management server 100, and selects the type of the virtual currency of the default setting. Here, the selection information may be stored in, for example, the terminal memory 203. The default setting of the virtual currency type is, for example, the largest amount of legal tender obtained when the entire amount is exchanged among the virtual currencies held in the virtual currency account of the trading user (the largest amount of holding value). It may be a thing, a thing used in the latest transaction, etc.

In addition, in the charge processing of the present embodiment, for the sake of simplicity, the type of virtual currency selected as the default setting has an amount capable of obtaining legal tender for the required charge amount independently. However, the practice of the present invention is not limited to this. That is, for example, when the type of virtual currency having the largest amount of holding value is an amount that is less than the value of the legal tender for the required charge amount, a plurality of types of virtual currencies are selected as the default setting virtual currency. May be good.

In S604, the terminal control unit 201 acquires the current exchange rate information from the management server 100 for each type of virtual currency managed by the value exchange system. The exchange rate information acquired in this step may include at least information relating to all types of virtual currencies held by the trading user, and may include other types of information. Further, the terminal control unit 201 starts counting the time limit for fixing the rate according to the acquisition of the current exchange rate. That is, the exchange rate acquired in this step is fixed only for the time limit, and is guaranteed by the exchange to the legal currency related to this charge.

In S605, the trial calculation unit 205 derives the exchange amount for each type of virtual currency currently selected as the exchange source under the control of the terminal control unit 201. The exchange amount is derived based on the exchange rate information acquired in S603. At this time, the trial calculation unit 205 shall derive the exchange amount after taking into account the spreads for each type of virtual currency currently selected as the exchange source. That is, the exchange amount derived by the trial calculation unit 205 for one type of virtual currency includes one that is exchanged for legal tender by sale and one that is deducted as a spread.

In S606, under the control of the terminal control unit 201, the display control unit 206 displays the breakdown (planned) of the case where the current charge is performed in the virtual currency of the type currently selected as the exchange source on the display unit 210. The display performed at this time may be, for example, the screen 800 as shown in FIG. 8A. As shown, on the screen 800, the transaction content 801 indicating the type of electronic money to be exchanged, the amount of legal currency corresponding to the charge amount 802, the charge fee 803 required for the transaction, and currently selected as the exchange source. Includes the virtual currency 804, the exchange amount 805 of the virtual currency that is transferred when charging is performed under the current conditions, and the information 806 of the charging destination. Further, the screen 800 includes a remaining time 807 of the time limit for fixing the rate, a charge button 808 for receiving a charge execution instruction under the displayed conditions, and a cancel button 809 for receiving a transaction cancellation instruction.

Although detailed description of the display control process will be omitted, the screen 800 includes a rate display button 810, and when an operation input is made to the button, a float display as shown in FIG. 8B is displayed. At 820, a fixed exchange rate is presented to the trading user.

In S607, the terminal control unit 201 determines whether or not an instruction to change the virtual currency of the exchange source has been given. The instruction to change the virtual currency of the exchange source may be accepted by inputting an operation to the change receiving unit 811 as shown in the screen 800 in FIG. 8A. The terminal control unit 201 shifts the process to S608 when it determines that the change instruction of the exchange source virtual currency has been made, and shifts the process to S609 when it determines that it has not been given.

In S608, the terminal control unit 201 executes the exchange source change process that accepts the change of the exchange source virtual currency.

<Exchange source change process>
Here, the exchange source change process executed in S608 of the charge process will be described in detail with reference to the drawings.

In the exchange source change process, for example, the selection screen 900 as shown in FIG. 9A is displayed on the display unit 210, and the trading user changes the type of the exchange source virtual currency while referring to the selection screen 900. Can be done. As shown in the figure, the selection screen 900 has a meter 901 that indicates whether or not the exchange conditions are satisfied, a currency selection area 902 that selects the type of the exchange source virtual currency, and a selection and priority of the exchange source virtual currency. Includes an area 903 that accepts confirmation of the setting or cancellation of the setting. The currency selection area 902 further sets the exchange currency area 911 that presents the type of the virtual currency currently selected as the exchange source, and the type of the unselected virtual currency (another virtual currency held by the trading user). Includes the non-exchange currency area 912 to be presented.

Each of the virtual currencies presented in the currency selection area 902 is configured so as to be movable by, for example, a drag-and-drop operation, and the trading user can exchange any kind of virtual currency with the exchange currency area 911 and the non-exchange currency area 912. It is possible to control whether or not the virtual currency of the type is selected as the exchange source virtual currency depending on which of the two is moved and arranged.

Further, the exchange currency area 911 is configured so that a plurality of types of virtual currencies can be moved and arranged as shown in FIG. 9B, and the trading user can move and arrange the virtual currency currently selected as the exchange source. , The priority at the time of exchange can be set according to the arrangement order of virtual currencies in the area (vertical order (top to bottom) in the figure). In the selection screen 900 illustrated in FIG. 9B, the virtual currency B arranged in the non-exchange currency area 912 in FIG. 9A is moved to the highest priority position of the exchange currency area 911. The priority of virtual currency A, which was the highest until then, has been lowered to the runner-up. The change of priority is not limited to the movement arrangement of any kind of virtual currency from the non-exchange currency area 912 to the non-exchange currency area 912, and the virtual currency already arranged in the exchange currency area 911 is in the area. It can also be changed (replaced) by moving and arranging with.

Further, the meter 901 notifies the trading user with the filling amount whether or not the electronic money for the requested charge amount can be charged by the virtual currency currently selected as the exchange source. The meter 901 indicates how much the maximum amount (fully filled) corresponds to the required charge amount and how much this will be met by exchanging the type of cryptocurrency currently selected as the exchange source. By doing so, it is notified whether the exchange condition is satisfied, that is, whether the exchange can charge the electronic money for the required charge amount.

For the charge amount of the meter 901, the trial calculation unit 205 derives the amount of electronic money that can be charged by selling the entire holding amount of the virtual currency of the type currently selected as the exchange source, and the required charge amount of the amount. It may be determined according to the ratio to. As described above, since the time for guaranteeing the exchange rate is set finitely, the display of the meter 901, which is the selection criterion of the virtual currency type of the trading user in this exchange source change process, is the virtual currency of the exchange source. It is necessary to switch quickly according to the change of the selection mode of. Therefore, the derivation of the filling amount of the meter 901 may be simply performed by referring only to the total holding amount of each type of the virtual currency of the exchange source and the fixed exchange rate.

In the selection screen 900 illustrated in FIG. 9A, it is possible to charge the required charge amount of electronic money only by the holding amount of the virtual currency A arranged in the exchange currency area 911, and the meter 901 is completely filled. It is displayed in the state of being displayed. On the other hand, as shown in FIG. 9C, only the virtual currency B is arranged in the exchange currency area 911, and the electronic money corresponding to the required charge amount can be obtained only by the holding amount of the virtual currency B. Instead, the meter 901 is displayed with only a part filled. At this time, the trading user can change the type of virtual currency currently selected as the exchange source by further moving and arranging another type of virtual currency from the non-exchange currency area 912 to the exchange currency area 911. The display on the meter 901 is also updated accordingly. The trial calculation unit 205 can sell and charge the total amount of electronic money that can be charged by selling the total holding amount of the virtual currency of the type that has been additionally moved and placed, and can charge the total holding amount of the virtual currency of the type that has already been placed. Add up to the amount of electronic money to determine the filling degree of the meter 901. For example, when the virtual currency A is additionally moved and arranged, the meter 901 is displayed in a completely filled state as shown in FIG. 9B. On the other hand, for example, if the total amount of the virtual currency C that has been additionally moved and placed is less than the required charge amount of electronic money, the filling amount of the meter 901 changes as shown in FIG. 9D. However, only a part of it is still filled.

Therefore, the filling amount of the meter 901 is changed according to the selection mode of the virtual currency of the exchange source, and serves as reference information when the trading user selects the type of the virtual currency to be the exchange source. That is, the trading user can determine which type of virtual currency should be selected as the exchange source, or how much the target electronic money is charged by selecting each type of virtual currency as the exchange source. It can be grasped via the meter 901.

Further, in the area 903, a selection confirmation button 921 for receiving a confirmation instruction for selecting the virtual currency arranged in the exchange currency area 911 as the exchange source virtual currency, and a cancellation instruction input for changing the exchange source virtual currency are input. The accept cancel button 922 is arranged. The selection confirmation button 921 may be configured to be selectable only when the meter 901 is completely filled.

By displaying such a user interface on the display unit 210, the trading user can easily change the type of the exchange source virtual currency within the time limit in which the rate is fixed.

Hereinafter, the details of the exchange source change process for changing the type of the exchange source virtual currency with the presentation of the user interface will be described with reference to the flowchart of FIG. In this flowchart, for the sake of brevity, for example, the description of the process related to the display update during the period during which the movement operation is being performed is omitted.

In S1001, the trial calculation unit 205 can sell and charge the entire holding amount of the virtual currency of the type currently selected as the exchange source under the control of the terminal control unit 201, and the amount of the target electronic money (chargeable amount). : Increment of electronic money balance) is derived. In this embodiment, the unit of electronic money is the same as the unit of legal currency (yen), and the amount of legal currency used for charging is treated as the chargeable amount as it is, except for the charge fee. The trial calculation unit 205 can derive the chargeable amount by deriving the amount of legal tender obtained by selling the total holding amount of the virtual currency of the type currently selected as the exchange source. However, the implementation of the present invention is not limited to this, and the derivation of the chargeable amount may include conversion according to the unit of the target electronic money, or may include conversion to legal tender. It may be derived from. Further, the trial calculation unit 205 derives the ratio of the derived chargeable amount to the required charge amount.

In S1002, the terminal control unit 201 updates the information on whether or not the operation input to the selection confirmation button 921 can be accepted based on the information of the ratio of the chargeable amount to the requested charge amount derived in S1001. ..

In S1003, the display control unit 206 configures the selection screen 900 and displays it on the display unit 210 under the control of the terminal control unit 201. The configuration of the selection screen 900 is whether or not it is possible to accept information on the type of virtual currency held by the trading user, selection information, information on the ratio of the chargeable amount to the requested charge amount, and operation input to the selection confirmation button 921. It is done based on the information.

In S1004, the terminal control unit 201 determines whether or not the operation input related to the change of the type of the virtual currency of the exchange source has been made. The judgment of this step is the operation of moving the virtual currency located in the non-exchange currency area 912 to the exchange currency area 911, and the operation of moving the virtual currency already located in the exchange currency area 911 to the non-exchange currency area 912. , And the operation of changing the priority of the virtual currency arranged in the exchange currency area 911 is performed. The terminal control unit 201 shifts the process to S1005 when it determines that the operation input related to the change of the type of the exchange source virtual currency has been made, and shifts the process to S1006 when it determines that the operation input has not been made.

In S1005, under the control of the terminal control unit 201, the selection unit 204 updates the selection information of the exchange source virtual currency according to the type and priority of the virtual currency currently selected as the exchange source, and returns the process to S1001.

On the other hand, if it is determined in S1004 that the operation input related to the change of the type of the exchange source virtual currency has not been made, the terminal control unit 201 is in S1006, and the required charge amount in the virtual currency currently selected as the exchange source. Determine if it is possible to charge the electronic money of. The determination in this step may be made based on whether or not the chargeable amount is equal to or greater than the required charge amount. The terminal control unit 201 shifts the process to S1007 when it is determined that the electronic money for the requested charge amount can be charged with the virtual currency currently selected as the exchange source, and processes when it is determined that it is not possible. To S1008.

In S1007, the terminal control unit 201 determines whether or not the operation input to the selection confirmation button 921 has been made. When the terminal control unit 201 determines that the operation input to the selection confirmation button 921 has been made, the terminal control unit 201 completes the exchange source change process, and when it determines that the operation input has not been made, moves the process to S1008.

In S1008, the terminal control unit 201 determines whether or not an instruction to cancel the type change of the virtual currency of the exchange source has been given. The determination in this step is made based on whether or not the operation input to the cancel button 922 has been made. The terminal control unit 201 shifts the process to S1009 when it determines that the instruction to cancel the type change of the exchange source virtual currency has been made, and returns the process to S1004 when it determines that the instruction has not been made.

In S1009, under the control of the terminal control unit 201, the selection unit 204 updates the selection information of the exchange source virtual currency with the type of the exchange source virtual currency selected before the execution of the exchange source change process. Complete the exchange source change process. That is, when the operation input is made to the cancel button 922, the selection information of the exchange source virtual currency is returned to the state before the change of the exchange source virtual currency type is performed via the selection screen 900. Can be done.

By executing the exchange source change process in this way, it is possible to provide a user interface that facilitates the selection of the type of exchange source virtual currency by the trading user. Then, when the terminal control unit 201 executes the exchange source change process in S608 of the charge process, the process returns to S605.

On the other hand, when the exchange source virtual currency change instruction is not given in S607, the terminal control unit 201 determines in S609 whether or not the exchange (charge execution) instruction is given. The determination in this step is made depending on whether or not an operation input has been made to the charge button 808. The terminal control unit 201 shifts the process to S610 when it determines that the charge execution instruction has been given, and shifts the process to S612 when it determines that the charge execution instruction has not been given.

In S610, the terminal control unit 201 transmits the execution request related to the charge this time to the management server 100 via the terminal communication unit 208. More specifically, the terminal control unit 201 uses the information of the money type ID, the charge destination ID, the requested charge amount, the currency type ID of each type of the virtual currency of the exchange source, and the exchange amount related to the charge to generate the charge request information. It is configured and transmitted to the terminal communication unit 208, and is transmitted to the management server 100 together with the execution request.

In S611, when the terminal control unit 201 receives the response related to the charge completion for the execution request transmitted in S610, it controls the display control unit 206 to display that the charge of the requested charge amount for the target electronic money is completed. Is displayed on the display unit 210, and the main charge process is completed.

On the other hand, when it is determined in S609 that the charge execution instruction has not been given, the terminal control unit 201 determines in S612 whether or not the charge stop instruction has been given. The determination in this step is made based on whether or not the operation input to the cancel button 809 has been made. The terminal control unit 201 completes the main charge process when it determines that the charge stop instruction has been given, and returns the process to S607 when it determines that the charge has not been stopped.

By doing so, according to the exchange application of the present embodiment, it is possible to provide a trading user with a suitable user interface for charging electronic money using the value exchange system.

As described above, according to the value exchange system of the present embodiment, a plurality of types of virtual currencies are configured to be selectable as the exchange source virtual currency, and the exchange priority is set for the plurality of types of virtual currencies. Even if the trading user holds a type of virtual currency with a surplus amount less than the minimum exchange unit when exchanging for electronic money at the exchange destination, other types of virtual currency This can be supplemented with virtual currency and made exchangeable.

In the present embodiment, the management server 100 realizes value exchange from virtual currency to electronic money by charging electronic money based on legal tender obtained by selling a plurality of types of virtual currency. However, the practice of the present invention is not limited to this. The present invention may be used as long as it exchanges value from a plurality of types of electronic value media to other types of electronic value media, and the exchange source and exchange destination electronic value media are virtual currency, electronic money, and the like. Anything having a tradeable value such as electronic points may be used. Further, the electronic value medium of the exchange destination may include an input code or ID that enables the user to give the predetermined electronic value medium to the predetermined electronic value medium at an arbitrary timing. In this case, the code or the like is a medium having a certain value, and the value exchange according to the present invention is completed when the electronic value medium of the exchange source is converted to the code or the like. It is given to the trading user in the form of. Further, in the present embodiment, the mode of exchanging to legal tender in consideration of the conventional transaction system for buying and selling virtual currency has been described, but it is easy to understand that the exchange to legal tender is not essential for the implementation of the present invention. Will be done.

Further, in the present embodiment, since the electronic value medium of the exchange source is a virtual currency, the exchange amount according to the exchange rate is derived for each transaction, but the electronic value medium of the exchange source and the exchange destination is used. When the value does not change or the ratio of the value between the exchange source electronic value medium and the exchange destination electronic value medium is absolute, the step of deriving the exchange amount based on the exchange rate is unnecessary. Needless to say.

Further, in the present embodiment, the information processing terminal 200 acquires the exchange rate so that the trading user can calmly determine the exchange source virtual currency, and the trial calculation unit 205 fixes the exchange rate within the time limit and charges a fee. Although it has been described that the exchange amount including the above is derived, the implementation of the present invention is not limited to this. In order to ensure the robustness of the value exchange system, the exchange rate may be fixed and the exchange amount may be derived on the management server 100 side and sent to the information processing terminal 200 each time. In this case, the functional configuration related to the trial calculation unit 205 may be provided in the management server 100 instead of the information processing terminal 200.

Further, in the present embodiment, it has been described that all types of exchange rates held by the trading user are fixed after the required charge amount is fixed, but the types of virtual currencies and the timing of fixing the exchange rates are limited to this. It is not something that can be done. For example, the fixed exchange rate may be limited to the type of virtual currency selected as the exchange source, and may be performed over a predetermined period from the selection. In this case, as a result of the exchange source change process, if the types of the exchange source virtual currency are different before and after the execution of the process, the exchange rate at the time after the end of each type of the newly selected exchange source virtual currency is selected. Is newly acquired and fixed. Also, as a result of the exchange source change process, if there is no change in the type of exchange source virtual currency before and after the execution of the process, the fixed exchange rate and time limit count performed before the execution of the process will not be canceled. It may be controlled. Further, in such an aspect, in the derivation of the chargeable amount in the exchange source change process, the exchange rate at the time of changing the type of the exchange source virtual currency related to the derivation may be acquired and temporarily used.

[Modification example]
By the way, in the above-described embodiment, the exchange amount of each type of virtual currency of the exchange source is determined including the spread (commission), but in such an embodiment, the timing of exchange and the holding amount Depending on the situation, the ratio of commissions to the exchange amount of virtual currency becomes high, and there is a possibility that the virtual currency cannot be efficiently used for value exchange. That is, it is difficult for trading users to feel the merit of using such a type of virtual currency for exchange, and as a result, the user's use of the type of virtual currency may be narrowed.

Therefore, when a plurality of types of virtual currencies are used as exchange sources, the fee for the exchange may be collected from at least a part of the exchange source virtual currencies. For example, when there is a type of virtual currency in which the ratio of the fee to the exchange amount exceeds the threshold, the fee related to the type of virtual currency is charged to another type of virtual currency included in the plurality of types of virtual currencies of the exchange source. It may be configured to collect from. Further, for example, as in the above-described embodiment, the operating entity of the management server 100 and the trading server 500 are the same, or the exchange source virtual currency can be exchanged for all kinds of legal tender through one operating entity. In the embodiment that can be performed, the exchange fee may be collected from the virtual currency of the type having the largest absolute amount of exchange value among the plurality of types.

[Other Embodiments]
The present invention is not limited to the above-described embodiment, and various modifications and changes can be made within the scope of the gist of the invention without departing from the spirit and scope of the present invention. The value exchange system according to the present invention can also be realized by a program that causes one or more computers to function as each device of the value exchange system. The program can be provided / distributed by being recorded on a computer-readable recording medium or through a telecommunication line.

100: Management server, 101: Control unit, 102: Recording medium, 103: Memory ,: User DB 104, 105: Virtual currency account DB, 106: Exchange unit, 107: Collection unit, 108: Request unit, 109: Communication unit, 200: Information processing terminal, 201: Terminal control unit, 202: Terminal recording medium, 203: Terminal memory, 204: Selection unit, 205: Trial calculation unit, 206: Display control unit, 207: Operation input unit, 208: Terminal communication unit , 210: Display unit, 300: Charge server, 301: Charge control unit, 302: Charge recording medium, 303: Charge memory, 304: Grant unit, 305: Charge communication unit, 400: Network, 500: Trading server

Claims (19)

A value exchange system that manages the types of electronic value media owned by each user and their holdings.
For the value exchange to be carried out, the means for determining the type of electronic value medium to be exchanged and the amount to be imparted, and
A selection means for selecting a plurality of types of electronic value media, which are at least a part of the electronic value media owned by the target user for value exchange, as the exchange source electronic value media related to the value exchange.
A determination means for determining the exchange amount based on a predetermined priority for each type of the exchange source electronic value medium held by the target user selected by the selection means .
An exchange means for exchanging the exchange amount of the electronic value medium of the exchange source determined by the determination means with the electronic value medium of the exchange destination for the given amount and imparting it to the target user.
Have,
The determination means has a unit or an auxiliary unit in which at least one kind of electronic value medium contained in the exchange source electronic value medium is less than the minimum exchange unit related to the exchange destination electronic value medium. , The amount of the target user's possession of the electronic value medium of the type includes a fraction less than the minimum exchange unit related to the electronic value medium of the exchange destination , and the total amount of the electronic value medium of the type is possessed. Is determined as the exchange amount, and the exchange amount of other types of electronic value media contained in the electronic value medium of the exchange source is determined so as to compensate for the value deficient by at least the fraction. A value exchange system characterized by that. The value exchange system according to claim 1, wherein the exchange and grant by the exchange means includes the acquisition of a predetermined legal tender by selling the electronic value medium of the exchange source. The exchange and grant by the exchange means includes sending an exchange request to an external service related to the distribution of the electronic value medium of the exchange destination and remittance of a considerable amount of the predetermined legal currency related to the value exchange. The value exchange system according to claim 2, wherein the value exchange system is characterized. For the acquisition of the prescribed fiat currency by selling each type of electronic value medium, a fee is set according to the amount sold.
A claim, wherein the value exchange system further comprises a collecting means for collecting the fee from at least some kinds of electronic value media included in the electronic value medium of the exchange source for the value exchange. The value exchange system described in 2 or 3. The value exchange system according to claim 4, wherein the collection means collects a fee from the type of electronic value medium having the largest absolute amount of exchange value among the electronic value media of the exchange source. .. When the electronic value medium in which the ratio of the fee to the exchange amount exceeds a predetermined threshold is included in the electronic value medium of the exchange source, the collecting means collects the fee related to the electronic value medium of the exchange source. The value exchange system according to claim 4, wherein the value is collected from another type of electronic value medium included in the target value medium. The value exchange system according to any one of claims 1 to 6, wherein the electronic value medium includes virtual currency, electronic money, electronic points, and a code. The value exchange system according to claim 7, wherein when the electronic value medium of the exchange source is a virtual currency, the exchange amount by the exchange means is determined according to the exchange rate of the virtual currency. The value exchange system further provides a control means for controlling the exchange rate of the virtual currency related to the electronic value medium of the exchange source to be fixed only for a predetermined period when the exchange by the exchange means is performed. The value exchange system according to claim 8, wherein the value exchange system is provided. To the computer that accepts the implementation of the value exchange in the value exchange system according to any one of claims 1 to 9.
Selection of the type of electronic value medium to be the electronic value medium of the exchange destination, processing for accepting input of the amount to be given, and processing.
A process of accepting selection of the type of electronic value medium owned by the target user as the exchange source electronic value medium, and
The process of requesting the value exchange in response to the decision of the value exchange based on the electronic value medium of the exchange source, and
Is a program that executes
In the process of accepting the selection of the type of the electronic value medium of the exchange source, a program characterized in that a plurality of types of electronic value media among the electronic value media owned by the target user are presented in a selectable manner. .. In the process of accepting the selection of the type of the electronic value medium of the exchange source, whether or not the exchange condition for the electronic value medium of the exchange destination for the granted amount is satisfied is determined by the electronic value medium of the exchange source. The program according to claim 10, further comprising a process of presenting according to a selection mode. The presentation of whether or not the exchange condition is satisfied is that when the exchange is performed using the type of electronic value medium currently selected as the exchange source, the electronic value medium of the exchange destination corresponding to the granted amount is used. The program according to claim 11, characterized in that it is indicated by whether or not it is obtained. The presentation as to whether or not the exchange condition is satisfied is made by exchanging the electronic value medium of the type currently selected as the exchange source for the amount owned by the target user. The program according to claim 11 or 12, wherein the amount of the grant is indicated by an indication of how much the grant amount is satisfied. In the process of accepting the selection of the type of the electronic value medium of the exchange source, the process of notifying that the exchange rate is fixed for a predetermined period for each type of the electronic value medium of the exchange source related to the value exchange is performed. , Let the computer do more
10. The aspect of any one of claims 10 to 13, characterized in that the value exchange request is made at the fixed exchange rate when the value exchange decision is made during the predetermined period. program. The process of accepting the selection of the type of electronic value medium owned by the target user includes the process of accepting the setting of the priority of exchange related to the selected type of electronic value medium.
The program causes the computer to further perform a process of determining the exchange amount for each type of the exchange source electronic value medium prior to the process of making the value exchange request.
In the determination of the exchange amount, the type of the electronic value medium of the exchange source is selected in ascending order of the priority, and the exchange is performed in which the possessed amount of the electronic value medium of the type is preferentially exchanged. The program according to any one of claims 10 to 14, which is performed by repeating the total of the electronic value media of the exchange destination obtained by the operation until the total amount is reached. On the computer
Regarding the value exchange to be performed, the selection of the type of electronic value medium to be the electronic value medium of the exchange destination, the process of accepting the input of the amount to be granted, and the processing
A process of accepting selection of the type of electronic value medium to be the exchange source electronic value medium related to the value exchange from among the electronic value media owned by the target user for the value exchange.
A process of determining the exchange amount based on a predetermined priority for each type of the electronic value medium of the exchange source owned by the selected target user.
A process of requesting the value exchange in response to the value exchange decision based on the exchange source electronic value medium of the determined exchange amount, and
Is a program that executes
In the process of accepting the selection of the type of the electronic value medium of the exchange source, a plurality of types of electronic value media among the electronic value media owned by the target user are presented in a selectable manner.
In the process of determining the exchange amount of each type of the electronic value medium of the exchange source, at least one kind of electronic value medium included in the electronic value medium of the exchange source is the electronic value medium of the exchange destination. A fraction of a unit having a unit or an auxiliary unit less than the minimum exchange unit according to the above, and the amount of the target user holding the electronic value medium of the type is less than the minimum exchange unit related to the electronic value medium of the exchange destination. Others included in the source electronic value medium to supplement the value deficient by at least the fraction when the total holdings of the type of electronic value medium are determined as the exchange amount. A program characterized in that the exchange amount of a type of electronic value medium is determined . A computer-readable recording medium on which the program according to any one of claims 10 to 16 is recorded. A control method for an information processing terminal that accepts the execution of the value exchange in the value exchange system according to any one of claims 1 to 9.
A process in which the information processing terminal selects the type of electronic value medium to be the electronic value medium of the exchange destination and receives an input of the amount to be given.
A process in which the information processing terminal accepts selection of the type of electronic value medium owned by the target user as the electronic value medium of the exchange source.
A step in which the information processing terminal requests the value exchange in response to the determination of the value exchange based on the electronic value medium of the exchange source.
Have,
In the step of accepting the selection of the type of the electronic value medium of the exchange source, the control is characterized in that a plurality of types of electronic value media among the electronic value media owned by the target user are presented in a selectable manner. Method. It is a control method for information processing terminals.
Regarding the value exchange to be performed , the information processing terminal selects the type of electronic value medium to be the exchange destination electronic value medium, and accepts the input of the amount to be given.
A step in which the information processing terminal accepts selection of the type of electronic value medium to be the exchange source electronic value medium related to the value exchange from among the electronic value media owned by the target user who performs the value exchange. ,
A step in which the information processing terminal determines the exchange amount of each type of the electronic value medium of the exchange source owned by the selected target user based on a predetermined priority.
A step in which the information processing terminal requests the value exchange in response to the determination of the value exchange based on the electronic value medium of the exchange source of the determined exchange amount .
Have,
In the step of accepting the selection of the type of the electronic value medium of the exchange source, a plurality of types of electronic value media among the electronic value media owned by the target user are presented in a selectable manner.
In the step of determining the exchange amount of each type of the electronic value medium of the exchange source, at least one kind of electronic value medium contained in the electronic value medium of the exchange source is the electronic value medium of the exchange destination. A fraction of a unit having a unit or an auxiliary unit less than the minimum exchange unit according to the above, and the amount of the target user holding the electronic value medium of the type is less than the minimum exchange unit related to the electronic value medium of the exchange destination. Others included in the source electronic value medium to supplement the value deficient by at least the fraction when the total holdings of the type of electronic value medium are determined as the exchange amount. A control method characterized in that the exchange amount of a type of electronic value medium is determined .

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