JP6957095B2 - Cryptocurrency management system - Google Patents

Description

The present invention relates to a virtual currency management system that centrally manages the issuance and handling of virtual currency that can be used for gift certificates and the like for regional promotion issued by local governments.

Local currencies such as regional promotion tickets and gift certificates are used to revitalize the local economy and improve local communities. When the local currency is used at a local store, the store then sends the local currency to the currency issuer for cashing. Various computer systems for managing local currencies have been developed for this purpose (Patent Document 1) (Patent Document 2) (Patent Document 3).

Japanese Unexamined Patent Publication No. 2012-64005 Japanese Unexamined Patent Publication No. 2016-129000 Japanese Unexamined Patent Publication No. 2003-303279

The known conventional techniques have the following problems to be solved. For example, a local financial institution may undertake the task of monetizing local currencies and gift certificates. However, since these are paper media, bankers have to spend a lot of time to appraise and manage them. If each bank installs a dedicated program to realize the above system on the host computer of the accounting system, it is possible to realize the transaction in the local currency in the virtual currency.

However, the present invention, in which a cost for incorporating a system for issuing virtual currency and cashing into a host computer is incurred for each bank cooperating with regional development, has been made in order to solve the above-mentioned conventional problems. It is a thing.

The following configurations are means for solving the above problems, respectively.

<Structure 1>
When a predetermined amount of money is remitted to a financial institution by a terminal device operated by a user, a specific virtual currency corresponding to the specified amount of money, which is issued by a specific issuer. It is installed in the relay agency that manages the system that charges the medium used by the user.
The relay institution is connected to the management server of the financial institution, the terminal device operated by the user, and the local server managed by the specific issuer via the network.
The specific issuer is a local government or a specific area, the virtual currency is a local currency issued by the specific issuer, and the storage device of the local server is qualified for the user to use the virtual currency. A database for determining whether or not to have the virtual currency and the issuance limit of the virtual currency are stored, and the financial institution virtualizes the virtual currency when the virtual currency is used in the local government or a specific area. It is a financial institution that processes the currency according to the request for presenting the currency.
The relay institution has a process of acquiring information specifying a financial institution that accepts the remittance process, information specifying the user, and charge request information including the predetermined amount of money from the terminal device of the user, and the above. the copied database on the database or relay agency local server, by referring the determination means of the local server or a relay institution, the user determines whether qualified to use the virtual currency, of outstanding virtual currency When it is judged whether or not to issue virtual currency by comparing the total amount of
Request inquiry means to execute processing and
When the above charge request is judged to be valid, the remittance processing means for executing and controlling the remittance processing to the above financial institution, and
A virtual currency management system including a charge processing means for executing and controlling a process of charging a virtual currency of a corresponding amount to the medium together with the remittance process.

<Structure 2>
In the storage device of the relay institution, the name of the specific issuer, the name of the financial institution that cooperates in issuing the virtual currency, the name of the cooperating store, and the total amount of virtual currency issued by each financial institution transferred from the local server. Judgment data that records the accumulated amount of virtual currency used for each cooperating store and the amount that has been cashed is stored.
The virtual currency management system according to configuration 1, wherein the relay organization is provided with a determination means for determining whether or not the user is qualified to use the virtual currency.

<Structure 3>
When the user uses the virtual currency at the cooperating store and the transaction data in the virtual currency is transmitted to the relay agency side, the relay agency records the accumulated currency usage of the virtual currency used at the cooperating store. When a virtual currency is presented to a financial institution and a cash request is made, the judgment means compares the accumulated currency usage of the store with the total amount of cashed money to judge whether or not the request is possible. The virtual currency management system according to the configuration 2.

<Structure 4>
A computer program that causes a computer to function as a means provided in the relay engine according to any one of configurations 1 to 3.

<Structure 5>
A computer-readable recording medium on which the computer program according to configuration 4 is recorded.

Virtual currency management system, it is possible to undertake the load of the publisher of the data processing of financial institutions and virtual currency. In addition, since the financial institution and the issuer of the virtual currency are mediated, it is possible to manage the amount of money of the financial institution and the issuer at the same time.
A predetermined window is displayed on the ATM, the user is asked to input necessary information, and the qualification judgment is performed by the relay organization.
RELAY agency requests the remittance processing in the management server of the financial institution, can be remotely controlled to determine a charge to the issuer local server.
The RELAY engine, can be connected to the terminal device of any number of financial institutions, when any of the terminal device is operated, the information that can be received from the terminal device, automatically charge request information Can be obtained.
Qualification carried out in the middle joint institutions judgment, it is sufficient only easy to determine the relationship between financial institutions and the virtual currency and publisher. The qualification of the user may be judged by the issuer. As a result, the relay agency can provide a virtual currency management service to various issuers.
And a connection with a large number of local governments and certain local management server, Ru can provide a service to issue a wide variety of local currency automatically.

It is a schematic diagram of the virtual currency management system of this invention. It is explanatory drawing of the management data example stored in the local server 20 of the issuer. This is an example of a local currency charge application screen displayed on an ATM or smartphone. It is explanatory drawing of the determination data stored in the storage device 26 of a relay engine 24. It is a flow chart of a charge application process of a local currency by a user. It is an operation flowchart of a relay engine 24 and a publisher 18. It is a processing flowchart of the relay institution 24 and the financial institution 14 side after the local currency issuance permission. It is a cashing management flowchart of the virtual currency used in the store.

Hereinafter, embodiments of the present invention will be described in detail for each example.

FIG. 1 is a schematic view of the virtual currency management system of the present invention.
As shown in the figure, the local server 20 of the issuer 18 that issues the local currency and the management server 16 of the financial institution 14 that provides the service of cashing the local currency are connected to the relay institution 24 via the network 12. It is connected. When the user 28 who uses the local currency operates the ATM or the communication terminal device 30 to transfer money to the financial institution 14, the relay institution 24 transfers the virtual currency corresponding to the local currency to the medium 32 such as a card. Manage and control the charging process.

For example, the user 28 shown in FIG. 1 uses a communication terminal device 30 such as a smart phone to perform remittance processing to the financial institution 14 by net banking. The virtual currency is transmitted to the communication terminal device 30 via the communication line and charged. In this case, the medium 32 is a memory built in the communication terminal device 30. Alternatively, the user 28 can use an ATM or the like (also referred to as a communication terminal device 30) installed in the financial institution 14. It is possible to insert cash into an ATM, transfer money to a designated bank account, and receive a virtual currency charge on a smartphone, for example. Card media such as Hoint Cards may be charged.

As described above, in the present invention, local currencies such as regional promotion tickets and gift certificates are treated as virtual currencies instead of paper media. In the system of the present invention, a virtual currency corresponding to the local currency of the amount desired by the user 28 can be charged to a medium 32 such as a card or a smartphone owned by the user and used. In this case, it is necessary to inquire the issuer 18 whether or not the local currency may be issued. When the charge request is determined to be valid, the user 28 is allowed to remit money and charge the virtual currency to the financial institution 14. Until this stage, the remittance process is suspended, and the remittance process and the charge process are performed at the same time. Then, the deposit balance of the user 28 is updated, and the local currency issuance history on the issuer 18 side is updated.

As described above, the financial institution 14 deposits cash from the user 28 and charges the user's medium 32 with virtual currency. The user 28 uses the virtual currency to shop at the store 22 in the designated area. When there is a request from the store 22 that has received the virtual currency from the user 28, the financial institution 14 pays the store 22 cash. As the number of banks affiliated with the issuer 18 of gift certificates and the store 22 increases in order to revitalize the local economy, the administrative management of the store 22 becomes complicated. It is uneconomical because each bank also sets its own program on the management server 16. In the case of a bank that has branches nationwide, it is necessary to build multiple systems for handling promotion tickets for each region, which further complicates management.

As shown in FIG. 1, the relay institution 24 of the present invention connects to the management server 16 of any financial institution 14 such as a bank through the network 12. Further, it connects to the local server 20 of the issuer 18 of the gift certificate of any local government through the network 12. The local server 20 of the issuer 18 has an issuer database 21 that performs inquiry processing in order to determine whether or not the charge request is valid. When the publisher database 21 is copied to the relay engine 24, the process of determining whether the charge request is valid is executed in the relay engine 24.

The relay organization 24 is composed of a server or the like connected to a network, and can provide a processing program to the management server 16 or the local server 20 by a so-called cloud. For this purpose, the arithmetic processing unit 25 of the relay engine 24 incorporates a request transmission means 36, a remittance processing means 38, a charge processing means 40, a determination means 42, and a store management means 56. Further, for the processing, the storage device 26 stores the charge request information 34 and the determination data 44.

With these functions, for example, if the ATM of a bank has a function of reading a card inserted by a user and charging virtual currency, the relay agency 24 directly or indirectly performs all the processing necessary for the management through the network 12. Can be controlled to. In the example of FIG. 1, all the shops 22 need only cooperate with the relay agency 24.

Since all financial institutions 14 request the relay institution 24 for management and processing, a dedicated program is not required. The issuer of the local currency only needs to tie up with the relay agency 24, and the tie-up process with a plurality of banks becomes unnecessary. If the store that cooperates with the use of local currency is affiliated with the relay agency 24, it will be easier to confirm when the virtual currency is monetized. First, the process of charging the virtual currency will be described, and then an example of the cashing process of the virtual currency of the store will be described.

First, the meaning of the main words in the above explanation will be clarified. "Remittance processing" is a remittance for charging virtual currency. Includes remittance from a deposit account using an ATM to a financial institution 14, transfer of cash to a financial institution 14 by depositing cash into the ATM, and remittance to the relevant account of the financial institution 14 by net banking. It is a process.

The "virtual currency" is, for example, a local currency. This is a virtual currency that has a limited total issuance amount and is valid only when it is used by residents of the relevant area for regional promotion, etc. in the relevant area. This system also provides a mechanism that allows the vendor who received the virtual currency to cash it when the virtual currency is used. Virtual currency includes not only gift certificates but also points equivalent to cash and bitcoins.

The "issuer" is an institution such as a local government that issues and manages virtual currency equivalent to the local currency. A local computer or the like that calculates and stores the total issuance amount of the local currency is used for the management. Here, the publisher database 21 and the like necessary for determining whether or not the user 28 is qualified to use the local currency from the "information for identifying the user 28" are stored. In addition, it is advisable to store in the issuer database 21 who the local currency was issued to. From the "information that identifies the financial institution 14 that accepts remittance processing", it is determined that the financial institution 14 cooperates in issuing local currency and cashing.

The final determination as to whether or not the user 28 is qualified to use the local currency is made by, for example, the issuer 18 holding the related information. However, as will be described later, almost all determinations can be easily made by the relay agency 24 by using a part or all of the issuing database 21. Since the financial institution 14 receives a remittance of an amount equivalent to the amount of the issued virtual currency, when a request is made from the store 22 or the like in which the virtual currency is used, the virtual currency is cashed and sent to the store 22. send money. This process can also be managed and controlled by the relay engine 24.

FIG. 2 is an explanatory diagram of an example of management data stored in the issuing local server 20.
As shown in the figure, the local server 20 of the issuer 18 stores a list of financial institutions 50 that cooperate in issuing virtual currency and a list of cooperating shops 53 that cooperate in using the virtual currency. For example, it is preferable that these data are transferred to the relay engine 24 in advance, and the relay engine 24 can determine the data without inquiring the publisher 18. Further, in the database of the issuer 18, every time a virtual currency is issued to a user, data such as the issue date, the issue amount, the issuing financial institution, the user name, and the user address are recorded. The total issuance amount is the sum of these issuance amounts. In addition, a predetermined virtual currency issuance limit is also stored in the local server 20.

[Matters that require the user 28 to input the remittance processing request by the user 28] are the type 46 of the virtual currency for which the charge is requested and the qualification of the user 28. The type 46 of the virtual currency is the name of the local currency, the name of the issuer 18, and the like. The qualifications of the user 28 are the address and the place of employment. A window for checking these items should be displayed on the ATM. The type 46 of the virtual currency that the financial institution 14 can handle may also be displayed and selected.

FIG. 3 is an example of a local currency charge application screen displayed on an ATM or smartphone.
On this screen, enter the user's address and name, the type of local currency, the bank that handles the remittance, the desired amount of remittance, etc., and the remittance process and charge process will start.

The relay engine 24 may control the window to be displayed on the ATM or smartphone by remote control. By automatically determining the suitability of the input items in this window by the relay agency 24 and then requesting the issuer 48 of the virtual currency to issue the virtual currency, the processing load on the local computer of the issuer 18 can be reduced. The [charge request information 34] transmitted from the relay institution 24 to the issuer 18 includes information for identifying the financial institution 14 (bank handling) that accepts remittance processing and information for identifying the user 28, which are input in the window. , You only need to charge the desired amount.

[Determination of charge amount] should be performed by the issuer 18. The issuer 18 manages the total issuance amount and the issuance upper limit of the virtual currency as shown in FIG. It is preferable that the local computer of the issuer 18 compares the total amount of the issued virtual currency with the maximum amount and grants the issuance permission. The amount that can be charged is within the range of the remittance amount, but since it is related to the total issuance amount of the issuer 18, it is preferable that the issuer 18 finally decides. If the remittance amount is the same, the remittance request is allowed as it is and the corresponding amount is charged. Finally, the message 60 of FIG. 3 is displayed on an ATM or the like. If the remittance request amount and the rechargeable amount are different, the remittance of the remittance amount is permitted and then the charge process is performed. When the issuance of virtual currency has been completed, a message 62 to that effect is displayed on the ATM or the like.

FIG. 4 is an explanatory diagram of determination data stored in the storage device 26 of the relay engine 24.
In order to judge the qualification of the user at the time of application at the relay agency 24, the judgment data includes the name of the issuer, the name of the applicable area (municipalities), and the issuance of virtual currency for each issuer. The name of the financial institution and the name of the cooperating store are included. In addition, for various management, in this example, the total amount of virtual currency issued by each financial institution, the accumulated amount of virtual currency used for each cooperating store, and the amount of monetized are recorded.

Therefore, when the user inputs the bank of the remittance destination, the issuer of the virtual currency, and the address and name in the window shown in FIG. 3, the determination means 42 of the relay agency 24 qualifies the user to use the corresponding virtual currency. The request transmission means 36 can transmit the charge request information 34 to the issuer by simply determining whether or not there is. The issuer of the local currency only has to confirm the qualification of the user, decide whether or not to issue the virtual currency, and then wait for the completion report from the charge request information 34, which reduces the processing load. Will be done.

Further, the financial institution 14 may also accept the remittance of the user when the remittance processing means 38 of the relay institution 24 requests the remittance processing based on the determination of whether or not the issuer 18 can issue the virtual currency. Further, the medium 32 may be charged only when the charge processing means 40 of the relay engine 24 requests the charge. Therefore, the processing load of financial institutions is also reduced.

Next, the cashing process for the store will be described. When the user uses the virtual currency in the store, the transaction data in the virtual currency is transmitted from the user's POS terminal to the relay agency 24. The relay agency 24 records the cumulative amount of currency usage of the virtual currency used for the store in the corresponding part of the cooperating store list 53. After that, when the store presents the virtual currency to the financial institution 14 and requests cashing, the relay institution 24 compares the accumulated currency usage of the store with the total amount of cashed money to determine whether or not the request is possible. do it. As a result, the financial institution 14 may perform the cashing process in accordance with the request from the relay institution 24, and the load of data management related to the store by the financial institution is reduced.

FIG. 5 is a flow chart of a user's charge application process for local currency.
First, the user selects, for example, "application for charging local currency" on the guidance screen displayed on the ATM (step S11). Now, the screen shown in FIG. 3 is displayed (step S12). The user holds a non-contact IC holding the local currency ID and has the ATM read the two-dimensional code displayed on the card or smartphone. This is fine if the virtual currency can be charged without contact. A charging card may be inserted into the ATM.

In this process, the user's address and name and the type of local currency are automatically input to the "local currency charge application" screen (step S13). The user selects the handling bank and inputs the remittance amount to be remitted for the acquisition of the local currency (step S14). When these inputs are completed, the user clicks the application button (step S15). After that, the processing of the relay engine 24 is started.

FIG. 6 is an operation flowchart of the relay engine 24 and the issuer 18.
In step S21, the relay organization 24 refers to the recorded data for each local currency issuer shown in FIG. 4 and confirms the user's qualifications and the like entered in the “local currency charge application” screen. If a citizen having an address in the city has applied for the issuance of local currency issued by the corresponding "city", the process is OK in step S22, and the process proceeds to step S23. In other cases, a qualification confirmation message is displayed on the ATM screen to request re-entry of data.

In step S23, the remittance amount is read, and for example, the financial institution is requested to confirm whether or not the deposit balance of the user's account is exceeded. In addition, when cash is inserted into an ATM, confirmation of the amount is requested. If there is a normal response from the financial institution, the process proceeds from step S25 to step S26. In other cases, a message prompting you to confirm the amount is displayed on the ATM screen.

In step S26, the relay agency 24 transmits a telegram (including a bank number, a store number, a machine number, a local currency type, and an amount) including charge request information to the local server 20 of the local currency issuer 18.

The local server 20 of the local currency issuer 18 refers to the received bank number, store number, etc. and the database shown in FIG. 2 to confirm whether the financial institution 14 is a cooperating financial institution that issues the local currency. .. At the same time, the qualification of the user 28 is confirmed (step S27).

After that, the issuance limit of the local currency is calculated using the database shown in FIG. As a result, if it is determined to be valid, the process proceeds from step S29 to step S30. In other cases, a message that the local currency cannot be issued is sent to the relay agency 24. Although not shown, the relay agency 24 that receives this message displays the fact on the ATM screen.

In step S30, the issuer 18 updates the total amount of local currency issuance shown in FIG. In step S31, the issuance history data is updated. Then, in step S32, the local currency issuance permission message is transmitted to the relay organization 24, and the processing on the issuer side is completed.

FIG. 7 is a processing flowchart of the relay institution 24 and the financial institution 14 after the permission to issue the local currency.
In step S41, the relay agency 24 transmits a request for executing the remittance of the amount input in FIG. 3 to the issuer 18 based on the issue permission. Further, in step S42, a charge request for the corresponding virtual currency is transmitted to the financial institution 14. The charge control of the virtual currency may be executed by the relay organization 24 remotely controlling the ATM.

The management server 16 of the financial institution 14 remits, for example, the corresponding amount from the user's account to its own virtual currency account according to the remittance request. At the same time, the financial institution executes the existing high update process (step S43). At this time, the data shown in FIG. 4 on the relay engine 24 side is also updated. As a result, the management data of the financial institution 14 and the management data of the issuer 18 can be collated, and the virtual currency can be managed reliably. In addition, all virtual currency management can be performed on behalf of the financial institution 14 and the issuer 18.

FIG. 8 is a flow chart for monetizing the virtual currency used in the store.
When the user uses the virtual currency at the store 22 (FIG. 1), the corresponding data is transmitted from the POS cash register of the store 22 to the relay agency 24. In step S52, the relay organization 24 updates the accumulated currency usage amount shown in FIG. 4 to manage the usage state of the virtual currency.

Here, it is assumed that the store 22 requests the relay agency 24 to monetize through the network. In this case, the relay institution 24 updates the cashed amount shown in FIG. 4, and in step S55, requests the remittance of cash corresponding to the financial institution 14. Although not shown, the financial institution then remits the amount corresponding to the deposit account of the store 22.

As described above, when the relay agency 24 comprehensively manages the issuance of local currencies, various types of local currency issuance management services become possible. That is, it is possible to manage the issuance of virtual currencies collectively by connecting with various local currency issuers and connecting with regional banks and various banks having branches nationwide. This eliminates the need for financial institutions to collaborate with local currency issuers, cooperating stores, etc. to build a dedicated system. In addition, the issuer can also entrust the issuance and management of the virtual currency to the relay agency 24 almost entirely.

The above system can be widely applied not only to the issuance process of local currency but also to the service of providing virtual currency from a specific issuer to a specific user. For example, the system of the present invention can also be used for Bitcoin. In the case of Bitcoin, the remittance destination is the Bitcoin exchange or exchange because it does not go through a financial institution. The issuer of virtual currency will also be an exchange or exchange. Others can be operated in the same way with the above system.

12 Network 14 Financial institution 16 Management server 18 Publisher 20 Local server 22 Store 24 Relay institution 25 Arithmetic processing device 26 Storage device 28 User 30 Communication terminal device 32 Media 34 Charge request information 36 Request transmission means 38 Money transfer processing means 40 Charge processing Means 42 Judgment means 44 Judgment data 48 Virtual currency issuer 50 Financial institution list 53 Cooperating store list 56 Store management means 60 Message 62 Message

Claims (5)

When a predetermined amount of money is remitted to a financial institution by a terminal device operated by a user, a specific virtual currency corresponding to the specified amount of money, which is issued by a specific issuer. It is installed in the relay agency that manages the system that charges the medium used by the user.
The relay institution is connected to the management server of the financial institution, the terminal device operated by the user, and the local server managed by the specific issuer via the network.
The specific issuer is a local government or a specific area, the virtual currency is a local currency issued by the specific issuer, and the storage device of the local server is qualified for the user to use the virtual currency. A database for determining whether or not to have the virtual currency and the issuance limit of the virtual currency are stored, and the financial institution virtualizes the virtual currency when the virtual currency is used in the local government or a specific area. It is a financial institution that processes the currency according to the request for presenting the currency.
The relay institution has a process of acquiring information specifying a financial institution that accepts the remittance process, information specifying the user, and charge request information including the predetermined amount of money from the terminal device of the user, and the above. the copied database on the database or relay agency local server, by referring the determination means of the local server or a relay institution, the user determines whether qualified to use the virtual currency, of outstanding virtual currency When it is judged whether or not to issue virtual currency by comparing the total amount of
When the above charge request is judged to be valid, the remittance processing means for executing and controlling the remittance processing to the above financial institution, and
A virtual currency management system including a charge processing means for executing and controlling a process of charging a virtual currency of a corresponding amount to the medium together with the remittance process. In the storage device of the relay institution, the name of the specific issuer, the name of the financial institution that cooperates in issuing the virtual currency, the name of the cooperating store, and the total amount of virtual currency issued by each financial institution transferred from the local server. Judgment data that records the accumulated amount of virtual currency used for each cooperating store and the amount that has been cashed is stored.
The virtual currency management system according to claim 1, wherein the relay organization is provided with a determination means for determining whether or not the user is qualified to use the virtual currency. When the user uses the virtual currency at the cooperating store and the transaction data in the virtual currency is transmitted to the relay agency side, the relay agency records the accumulated currency usage of the virtual currency used at the cooperating store. When a virtual currency is presented to a financial institution and a cash request is made, the judgment means compares the accumulated currency usage of the store with the total amount of cashed money to judge whether the request is possible or not. The virtual currency management system according to claim 2. A computer program that causes a computer to function as a means provided in the relay agency according to any one of claims 1 to 3. A computer-readable recording medium on which the computer program according to claim 4 is recorded.

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