JP7074327B2 - Electronic currency management system - Google Patents

Description

The present invention relates to an electronic currency management system that manages electronic currencies.

In recent years, transactions using so-called electronic currencies such as electronic money have become widespread instead of currencies such as yen and dollars. Among the electronic currencies are so-called "electronic money services" such as Suica (registered trademark), which are directly linked to currencies such as yen and dollars and are centrally managed in a closed environment network, and Bitcoin ( There are so-called "virtual currency services" that are managed in an open environment network independently of money, such as (registered trademark).

The electronic money service is a mechanism in which money such as yen is prepaid in a predetermined electronic account to stock it like a wallet, and the electronic account can be used for electronic withdrawal.

On the other hand, in the virtual currency service, a new electronic currency (virtual currency) is issued regardless of money by mining processing by a miner. Currency transactions are recorded as a distributed ledger by broadcasting transaction information to all computers in the system. The transaction information is blocked by the hash value and the nonce value generated by the mining process from the hash value and added to the virtual currency data (distributed ledger). Therefore, the structure of virtual currency data is called a blockchain because blocks are added to each transaction (see, for example, Patent Document 1).

JP-A-2017-207860

The conventional electronic money service has a mechanism of being exchanged for electronic money by the user's own advance payment of money, and cannot have a meaning as an independent currency like a virtual currency service.

On the other hand, in the case of a virtual currency service, issuance of virtual currency is limited to mining processing, so it is difficult to issue virtual currencies of a set value at once.

The present invention is intended to provide a new electronic currency management system in view of such circumstances.

The present invention that achieves the above object is an electronic currency management system that manages electronic currencies by a computer, a currency generation processing unit that generates electronic currency data meaning the electronic currency, and a trading market that trades the electronic currency. The currency generation processing unit is provided with a transaction market processing unit that manages the above, and the currency generation processing unit assigns issuance manager identification information for identifying the issuance manager of the electronic currency to the electronic currency data. The identification information granting unit, and the claim identification information granting section that grants the claim identification information to the issuance manager or the obligor who has a debt to the issuance manager for the electronic currency data. The transaction market processing unit receives the sell order data transmitted from the trader's computer of the person who wants to sell the electronic currency data, and also receives the sell order data from the trader's computer of the person who wants to buy the electronic currency data. A board processing unit that receives the transmitted buy order data and generates board information that presents the sell order data and the buy order data, and a contract processing unit that executes the sell order data and the buy order data. It is an electronic currency management system characterized by being prepared.

In connection with the electronic currency management system, the board processing unit transmits the issuance manager identification information of the electronic currency data included in the sell order data to the trader computer of the buyer. It is characterized by doing.

In connection with the electronic currency management system, the board processing unit transmits the credit identification information of the electronic currency data included in the sell order data to the trader computer of the buyer. It is characterized by.

In connection with the electronic currency management system, an approval processing unit that accepts approval by the issuance manager is provided, and the contract processing unit receives the sell order from the approval processing unit when contracting the sale and purchase of the sell order data. It is characterized in that the contract is finalized after receiving the approval information of the person in charge of issuing the electronic currency data included in the data.

In connection with the electronic currency management system, the claim is a power sale claim of a renewable energy power generation company, and the issuance manager has taken over the power sale claim or the power sale claim as a collateral. It is characterized by being a financial institution that has financed renewable energy power generation companies.

In relation to the electronic currency management system, the issuance manager identification information is the SWIFT code of the financial institution, and the credit identification information is the equipment certification ID or business plan approval ID of the renewable energy power generation company. It is characterized by being.

In connection with the electronic currency management system, the transaction market processing unit is characterized by having a reserve processing unit that calculates a reserve amount for the issue manager based on the trade price of the contract.

In connection with the electronic currency management system, the electronic currency data includes redemption amount information which means the redemption amount promised to be redeemed by the issuance manager, and the redemption amount information is updated based on the reserve amount. It is characterized by that.

The present invention that achieves the above object is an electronic currency management system that manages electronic currencies by a computer, and has a currency generation processing unit that generates electronic currency data meaning the electronic currency and a transaction market for trading electronic currencies. The transaction market processing unit is provided with a transaction market processing unit to be managed, and the currency generation processing unit assigns issuance manager identification information for identifying the issuance manager of the electronic currency to the electronic currency data. The transaction market processing unit includes an information addition unit and a conversion amount information addition unit that assigns conversion amount information meaning the conversion amount that the issue manager promises to convert to the electronic currency data. The sell order data transmitted from the trader's computer of the person who wants to sell the electronic currency data is received, and the buy order data transmitted from the trader's computer of the person who wants to buy the electronic currency data is received. Issuance responsibility based on the board processing unit that generates the board information that presents the sell order data and the buy order data, the contract processing unit that contracts the sell order data and the buy order data, and the trading price of the contract. It is an electronic currency management system characterized by having a reserve processing unit for calculating a reserve amount for a person.

According to the present invention, it is possible to obtain an excellent effect that a highly reliable electronic currency can be issued and managed.

It is a network diagram which shows the whole structure of the electronic currency management system which concerns on embodiment of this invention. It is a block diagram which shows the program structure of the currency generation server, the approval server, the confirmation server, the ledger server, and the collection server of the electronic currency management system. It is a block diagram which shows the program structure of the computer for the trader of the electronic currency management system. It is a block diagram which shows the program structure of the transaction market server of the electronic currency management system. It is a block diagram which shows the program structure of the transfer server, the cashing server, and the integrated management server of the electronic currency management system. It is a block diagram explaining the basis of the claim of the electronic currency data in the electronic currency management system. It is a block diagram which shows the data structure of the electronic currency data. It is a block diagram which shows the transaction structure operated by the transaction market server. It is a block diagram which shows the structure of the transaction trading data generated by the transaction market server. (A) and (B) are diagrams showing the board information generated by the trading market server, and (C) and (D) are diagrams showing the data structure of the currency bundle. It is a figure which shows the board information generated by the trading market server.

Hereinafter, the electronic currency management system according to the embodiment of the present invention will be described with reference to the accompanying drawings.

FIG. 1 shows the overall configuration of the electronic currency management system 1. The electronic currency management system 1 is configured by connecting a plurality of computers via a communication network N such as the Internet. In this embodiment, the symbol "CAF" is used as a unit of electronic currency for convenience.

Each computer is a general-purpose computer for a personal computer or a server device, and is a storage medium composed of a power supply, a central processing unit (CPU), a memory in which information processed by the central processing unit is developed, a hard disk, a non-volatile memory, and the like. , A communication interface connected to a communication network, a communication bus connecting these, an input device for inputting information, a display on which information is displayed, and the like. The names of the personal computer and the server device are for convenience only, and there is no difference as a computer, and a portable information communication terminal such as a tablet or a smartphone may be used.

The electronic currency management system 1 includes an integrated management server 10, a currency generation server 20, an approval server 27, a confirmation server 30, a ledger server 35, a collection server 38, a computer for traders 40, and a transaction market server 60. It has a transfer server 80 and a cashing server 90.

<Electronic currency receivables>

First, the claims associated with the electronic currency of the present embodiment will be described. The claim of this embodiment is assumed to be a power sale claim based on the feed-in tariff system for renewable energy. Renewable energy is defined as "one that is recognized as an energy source that can be used permanently", such as sunlight, wind power, hydropower, geothermal heat, solar heat, heat in the atmosphere, and other heat existing in the natural world, biomass, etc. Is stipulated. Renewable energy is an excellent energy that can be used repeatedly without depleting resources and emits almost no carbon dioxide that causes global warming during power generation and heat utilization. In order to promote the introduction of this renewable energy, the "Fixed Price Purchase System for Renewable Energy (Fixed Price Purchase System)" has been established, and electric power companies can use electricity generated by renewable energy at a fixed price. The country has promised to buy it for a certain period of time.

FIG. 6 shows the business structure of a renewable energy electric power company. For example, if a 20-year fixed-price purchase is promised, the renewable energy electric power company will have a 20-year loan receivable from the electric power company. Renewable energy electric power companies must first prepare power generation equipment such as solar panels and wind turbines, and the amount of capital investment will be enormous. Therefore, the renewable energy electric power company can transfer or pledge the power sales receivables for 15 years from the first year to the financial institution by financing or investing from the financial institution. Raise funds and use these funds to prepare power generation facilities. Therefore, for 15 years from the first year, at least a part (for example, 50%) of the electricity sold by the renewable energy electric power company is forcibly used for repayment of the loan. Moreover, since the entire 15-year amount of power-selling receivables is set as transfer collateral or pledges, it is not allowed to dispose of them freely.

On the other hand, the receivables for selling electricity for five years from 2015 to 2020 are still owned by the renewable energy electric power company. However, since this power sale receivable becomes future income for a while in time, the future income cannot be invested in new power generation facilities or the like in advance. Therefore, in the present embodiment, for example, a financial institution sells a power sale receivable, which is expected to be 200 million yen, by converting it into a present value of 180 million yen in consideration of a risk factor. Become an electric creditor, and a financial institution issues electronic currency in connection with this electric creditor. As a result, renewable energy electric utilities will be able to receive future income in advance and use it for the next new capital investment. In addition, the financial institution can raise funds from the owner (purchaser) of the electronic currency by issuing the electronic currency in association with the future income from the acquired power sale receivables. Even for the owner (purchaser) of the electronic currency, if it is an electronic currency issued by a financial institution and associated with a power sale claim, it can be judged that the stability is high, and it can be held with confidence. It can be used for commercial transactions. In addition, when conducting a commercial transaction using an electronic currency, if the trader can refer to the information regarding the associated power sale receivable, it is possible to perform objective credit of the electronic currency. Furthermore, by guaranteeing that the financial institution will convert the electronic currency it has issued into legal tender (yen), it will become a more stable electronic currency.

<Electronic currency data>

As shown in FIG. 7A, the electronic currency data 101, which is the unit CAF, is associated with the issue manager identification information 102, which means the issue manager (here, a financial institution) of the electronic currency, and the electronic currency. Claim identification information 104, which means a claim (here, a claim from a renewable energy electric company), and other currencies (for example, passing through Fiat (statutory currency), electronic money, other than CAF). Initial cash information 106A, which means the amount of money guaranteed to be exchanged for the electronic currency of, and hereinafter referred to as the second currency), and the reserve showing the rules to be accumulated as the second currency when buying and selling this virtual currency. It has rule information 106B. The information block so far is defined as the initial block 101S of the electronic currency data 101. In order to prevent the initial block 101S from being tampered with, it is preferable to generate a hash value and sign the initial block 101 with the secret key of the person in charge of issuance. You may go.

Further, the electronic currency data 101 includes transfer information 108 which means the transfer of the owner, approval information 109 which means the transfer approval by the issue manager, transaction price information 110 which means the transaction price at the time of transfer, and a reserve rule. The reserve amount information 112, which means the reserve amount calculated based on the information 106B and the transaction price 110, the encryption information 114, which is the information for encrypting at least a part of the data so far, and the currency transfer ( It has confirmation information 116 which means that the transaction) has been confirmed. The information block so far is defined as the transaction block 101T of the electronic currency data 101. This transaction block 101T is generated every time a transaction is performed, and is added to the virtual currency data 101 such as T1, T2, T3, and so on. Therefore, the data is of the so-called blockchain method.

FIG. 7B shows a specific example of the electronic currency data 101. The issuer identification information 102 is a financial institution code (SWIFT code), the claim identification information 104 is a facility certification ID or a business plan approval ID of a renewable energy company, and the initial cash information 106A is 100 yen. The reserve rule information 106B is "50% of the difference between the final cash amount and the transaction price".

Regarding the first transaction block 101T1, the transfer information 108 is a transfer from Mr. A to Mr. B, the approval information 109 is a signature using a private key by a financial institution, and the transaction price information 110 is 130 yen. Yes, the reserve amount information 112 is (130 yen-100 yen) x 0.5 = 15 yen as the reserve amount this time, and the cumulative reserve amount is 15 yen, and the encrypted information 114 is Mr. A's public key. It is a signature generated by the hash value and Mr. A's private key, and the definite information 116 is a nonce value calculated from the hash value. The current redemption amount of the electronic currency data 101 at the end of the transaction is 115 yen, which is the sum of the initial redemption amount and the cumulative reserve amount.

Regarding the second transaction block 101T2, the transfer information 108 is a transfer from Mr. B to Mr. C, the approval information 109 is a signature by a financial institution, the transaction price information 110 is 140 yen, and the reserve amount information 112 is. , The accumulated amount of money this time is (140 yen-115 yen) x 0.5 = 12.5 yen, and the accumulated accumulated amount is 27.5 yen, and the encrypted information 114 is the public key, hash value and Mr. B's secret. It is a signature generated by the key, and the confirmation information 116 is a nonce value calculated from the hash value. The current redemption amount of the electronic currency data 101 at the end of the transaction is 127.5 yen, which is the sum of the initial redemption amount and the cumulative reserve amount.

<Currency generation server>

Returning to FIG. 1, the currency generation server 20 becomes a computer that performs an electronic currency issuance process. The currency generation server 20 may be provided in the same computer as each approval server 27 or the like described later. As shown in FIG. 2, the currency generation server 20 has an issue manager identification information giving unit 22 that gives the issue manager identification information 102 to the electronic currency data 101, and a claim that gives the claim identification information 104 to the electronic currency data 101. It has an identification information giving unit 23 and a cashing information giving unit 24 that gives initial cashing information 106A to the electronic currency data 101. The cashing information giving unit 24 may give the accumulation rule information 106B to the electronic currency data 101. Therefore, the currency generation server 20 is a function responsible for the initial issuance of electronic currency. As long as the amount of the second currency of the initial cash information at the time of issuance is the same electronic currency unit (CAF in the present embodiment), it is preferable to use a common value (100 yen in the present embodiment). For example, when issuing an electronic currency equivalent to 180 million yen (initial cash information 100 yen), the amount is 1.8 million CAF.

<Approval server>

The approval server 27 is operated by the issuance manager and is a computer that performs an approval process for approving the transaction of the electronic currency data 101, that is, the transfer of the owner. In this embodiment, the person in charge of issuance is a financial institution. Therefore, although the approval server 27 is provided for each financial institution, the approval server 27 may be shared by a plurality of financial institutions, and may be divided for each financial institution as an approval function. Specifically, as shown in FIG. 2, the approval server 27 has a transfer approval processing unit 28, and the transfer approval processing unit 28 is an electronic currency from the transaction market server 60 and the transfer server 80, which will be described later. The transfer approval request of the data 101 is received, it is determined whether or not the transfer is correct, and the approval information 109 is returned. Therefore, the transaction market server 60 and the transfer server 80 refer to the issuer identification information 102 of each of the electronic currency data 101 for the plurality of electronic currency data 101 to be traded together, and contact the corresponding approval server 27. The approval information 109 is collected in a distributed manner.

The transfer approval processing unit 28 has a private key and a public key as a financial institution (issuer), assigns the public key to the electronic currency data 101, and encrypts (signs) the electronic currency data 101 with the private key. ) Can be completed.

<Confirmed server>

The confirmation server 30 is a computer that performs confirmation processing for final confirmation of the transfer (transaction) of the owner in the electronic currency data 101. Specifically, as shown in FIG. 2, the confirmation server 30 has a confirmation processing unit 32, and the encryption information 114 (hash value) associated with the transfer information 108, which means the transfer (transaction) of the owner. Based on the above, a predetermined mining calculation is performed, definite information (for example, a nonce value) 116 is generated, and the definite information (for example, a nonce value) 116 is given to the electronic currency data 101. Here, in order to manage the electronic currency data 101 in a peer-to-peer network in an open environment, the electronic currency data 101 is managed by the blockchain method using the confirmation server 30, but it is managed by a third party. In the case of a closed environment where the probability of tampering is low, it is possible to omit the confirmation server 30.

<Ledger server>

The ledger server 35 is a computer that stores the transfer history of the electronic currency data 101. In the present embodiment, in order to manage the electronic currency data 101 in a peer-to-peer network in an open environment, the transfer history is stored in a plurality of ledger servers 35 in a distributed manner. As shown in FIG. 2, all the ledger servers 35 have a ledger recording unit 36 (database), and all issued electronic currency data 101 are recorded. If the network is in a closed environment or in a server / client environment, it may be managed by a single ledger server 35.

Note that FIG. 1 illustrates a case where the approval server 27, the confirmation server 30, the ledger server 35, and the collection server 38 described later are simultaneously realized by one computer operated by the financial institution that is in charge of issuing. However, the present invention is not limited to this, and may be realized by a plurality of computers. Further, the confirmation server 30 and the ledger server 35 may be operated by a third party other than the person in charge of issuance.

<Recovery server>

The collection server 38 is a computer operated by a financial institution that is in charge of issuance, and the electronic currency issued by the transfer request unit 38A and the cash processing unit 38B is exchanged based on the exchange request from the owner. Perform collection processing. This collection server 38 is a kind of computer for traders whose issuance manager is a trader, but as will be described later, it must be forcibly cashed according to the cash amount set for each electronic currency data 101. Have an obligation not to be. Therefore, when the collection server 38 receives a cashing request for the electronic currency data 101, which is the person responsible for issuing the electronic currency data 101, from the computer for traders 40 holding the electronic currency data 101, the transfer request unit 38A sends the collection server 38 to the transfer server 80. On the other hand, request the transfer process from the owner to yourself. At the same time as the transfer processing by the transfer server 80 is completed, the cash processing unit 38B remits the second currency equivalent to the current cash amount to the electronic account of the owner's second currency.

Further, the collection server 38 has a reserve fund receiving unit 39. The reserve fund receiving unit 39 receives the reserve fund remitted from the reserve processing unit 68 of the transaction market server 60, which will be described later.

The collected electronic currency data 101 can be reissued by sending a sell order to the trading market as long as the associated bond remains. At this time, the reserve amount may be reset.

<Calculator for traders>

The computer for traders 40 is a computer used by the owner of the electronic currency data 101. As shown in FIG. 3, the computer for traders 40 has a transfer request unit 42, a deposit processing unit 43, an encryption processing unit 44, a sell order processing unit 46, a buy order processing unit 48, and a bond confirmation unit 49.

The transfer request unit 42 makes a transfer request to the remittance partner to the transaction market server 60 and the transfer server 80. The "transfer request" includes address information for identifying the transaction that is the source of remittance, address information for identifying the transaction that is the destination of remittance, and electronic currency data 101 (or confirmation of transfer) for transfer. Request data) is included. This information is transmitted as transfer request data. The "transfer request" is the same as the transfer request made by the transaction market server 60 or the cashing server 90 other than the computer for traders 40. The transfer server 80 that has received the transfer request completes the transfer by making an approval request for the transfer to the approval server 27 and then making a confirmation request to the confirmation server 30. In addition to the case where the transfer request unit 42 makes a transfer request directly to the transfer server 80, there is also a case where the transfer request is made via the transaction market server 60 or the cashing server 90.

The deposit processing unit 43 performs a process of receiving the electronic currency data 101 from a third party. Specifically, it accesses the transaction market server 60 and the transfer server 80, receives the electronic currency data 101 for which the transfer from another person to oneself is completed, and stores it in the electronic wallet.

When the transfer request unit 42 makes a transfer request, the encryption processing unit 44 adds the encryption information 114 to its own electronic currency data 101. The encrypted information 114 is a hash value of its own public key, data after it is assigned, and signature data generated by a private key based on these data.

The sell order processing unit 46 transmits the sell order data to the transaction market server 60, which will be described later. The buy order processing unit 48 transmits the buy order data to the trading market server 60.

The bond confirmation unit 49 displays the bond information on the display based on the bond identification information of the electronic currency data 101 held by the unit. Therefore, the trader can view the credit information of the renewable energy business. This bond information may be distributed from an approval server 27 operated by the issue manager, a currency generation server 20, a dedicated bond information distribution server (not shown), or the like.

<Relocation server>

The transfer server 80 is a computer that performs transfer processing of the owner of the electronic currency data 101. As shown in FIG. 5, the transfer server 80 has a transfer reception processing unit 82, an approval request unit 83, a confirmation request unit 84, and a bookkeeping request unit 85. The transfer reception processing unit 82 receives a transfer request from the transfer request unit 42 of the computer for traders 40, the transaction market server 60, the collection server 38, the cashing server 90, and the like. The approval request unit 83 makes an approval request to the approval server 27 based on the electronic currency data 101 that has received the transfer request. In the case of a transfer request for a bundle (currency bundle) of a plurality of electronic currency data 101 issued by a plurality of types of financial institutions, the approval request is made to each of the plurality of approval servers 27 corresponding to the transfer request. As a result, approval information 109 is added to each electronic currency data 101. The confirmation request unit 84 makes a confirmation request to a plurality of confirmation servers 30 based on each electronic currency data 101 to which the approval information 109 is attached. That is, the confirmation request unit 84 becomes a transaction pool and waits for confirmation by the confirmation server 30. The confirmation information 116 is given to each electronic currency data 101 from the confirmation server 30. The bookkeeping request unit 85 broadcasts the electronic currency data 101 to which the confirmation information 116 is attached to the ledger server 35, distributes the bookkeeping, and ends the transfer. When the transfer is completed, the transfer completion data is sent to the computer of the transfer requester.

<Trading market server>

The transaction market server 60 is a computer that performs transaction market processing for buying and selling electronic currency data 101 using a currency different from the present electronic currency. In this embodiment, the transaction currency is a second currency that is the same as the cash amount at the time of issuance, that is, the transaction in yen, which is the legal tender, is exemplified, but transactions may be made in other currencies. The basic structure of this transaction market processing will be described. As shown in FIG. 8A, a trader A who owns an electronic currency 1CAF (currently a cash amount of 100 yen) places a sell order for 120 yen on the trading market. By the way, the cash amount of 100 yen of this electronic currency is currently guaranteed by the collection server 38 of the financial institution. Mr. A needs to open an electronic account for depositing and withdrawing the second currency (yen) in the trading market. If the transaction is successful in the future, 10 yen, which is 50% of the difference between the selling price and the current cash amount, will be used as a reserve fund on the collection server 38 of the financial institution according to the reserve fund rule attached to the electronic currency data. Since the money is sent, the amount actually paid to Mr. A (actual deposit) will be 110 yen, which Mr. A is already aware of.

Next, in response to the sell order of Mr. A, the trader B places a buy order on the trading market. Mr. B needs to open an electronic account for depositing and withdrawing the second currency (yen) and deposit 120 yen there.

As a result, as shown in FIG. 8B, the trading market executes the sell order of the trader A and the buy order of the trader B based on the approval of the approval server 27 of the financial institution, and concludes the sale. .. As a result, the electronic currency data 101 is transferred from Mr. A to Mr. B. At the same time, out of the 120 yen of Mr. B's electronic account, 110 yen will be transferred to the electronic account of trader A, and the reserve fund of 10 yen will be transferred to the electronic account of the financial institution. As a result, the current cash amount of the transferred electronic currency data 101 becomes 110 yen. This current redemption amount of 110 yen is the sum of the initial redemption amount and the total (cumulative) reserve amount.

As described above, in the transaction market of the present embodiment, the transaction progresses while increasing the cashing amount of the electronic currency data 110, so that the value of the electronic currency data 101 naturally increases.

As shown in FIG. 4, the transaction market server 60 has a plate processing unit 62, a contract processing unit 64, a cash processing unit 66, a reserve processing unit 68, and a transfer request unit 70. The board processing unit 62 receives the sell order data transmitted from the trader's computer 40 of the seller of the electronic currency data 101, and is transmitted from the trader's computer 40 of the buyer of the electronic currency data 101. It receives buy order data and generates board information that presents this sell order data and buy order data.

<Plate processing>

Specifically, the plate processing unit 62 has a plate display unit 62A, a sell order reception unit 62B, a buy order reception unit 62C, and a reserve fund calculation unit 62D.

The sell order receiving unit 62B receives the sell order data from the trader computer 40 and converts it into data for displaying on the board. The sell order data 101X per unit currency for display on the board in FIG. 9 includes the currency amount, the initial cash amount, the total (cumulative) reserve amount, the present value (current cash amount) which is the sum thereof, the selling price, and the reserve ratio (funding rule). ), The actual deposit, and the increase in the amount of reserves due to this transaction (increase in reserves). The buy order receiving unit 62C receives the buy order data from the trader computer 40 and converts it into data for displaying on the board. The buy order data 101Y per unit currency in FIG. 9 includes the currency amount, the initial redemption amount, the total (cumulative) reserve amount after purchase, the assumed present value (current cash amount) after purchase, the purchase price, and the reserve ratio (reserve rule). , It will be the actual payment.
The contract processing unit 64 determines whether or not these sell orders and buy orders match, and if they match, makes a provisional contract, and the contract data 101Z means the transfer of electronic currency data and the transfer / accumulation of the second currency. Temporarily generate. The final confirmation of the provisional contract (this contract) by the contract processing unit 64 is performed after the approval data from the approval server 27 is received via the transfer request unit 70 and the transfer server 80. If the approval server 27 does not approve after a lapse of a predetermined time, the provisional contract is discarded and the state before the contract is restored.

In FIG. 9, regarding the same electronic currency data 101, transfer from Mr. A to Mr. B (contract), transfer from Mr. B to Mr. C (contract), transfer from Mr. C to Mr. D (contract), C. It shows the flow of transfer (collection) from him to the issuing financial institution. Like Mr. B, it would be profitable if he could sell it to Mr. C with an actual deposit amount higher than the purchase amount from Mr. A. On the other hand, like Mr. C, even if he sells at the same amount as or close to the amount of cash in exchange, if it is less than the purchase amount from Mr. B, it may be profit or loss. However, since the collection at the financial institution is currently guaranteed by the cash amount, it is not expected in this trading market to sell to a third party other than the financial institution at a selling price lower than the current cash amount. However, in the unlikely event that the sale is successful at a selling price lower than the current cash amount, it is possible to withdraw a part of the reserve fund and compensate the seller. In any case, there is no problem as long as the funding rules are maintained continuously.

<Currency bundle>

The actual sell order or buy order is not a unit currency (1CAF) but a collection of multiple currencies (multiple CAFs). Moreover, the issue manager may place a sell order as a bundle of multiple currencies that are different from each other. Furthermore, there are cases where a sell order is placed as a currency bundle of multiple currencies whose cash amounts are currently different from each other.

10 (C) and 10 (D) show a method of displaying the sell order data 101X when a sell order is placed by a currency bundle 101M composed of a plurality of currencies having different statuses. These data are calculated by the sell order receiving unit 62B.

The sell order data 101X shown in FIG. 10C has two groups of individual bundles 101M1 and 101M2 in which a plurality of currencies having completely matching statuses are bundled. For example, the individual bundle 101M1 is a bundle of 1 CAF issued by the issue manager P and having a current cash price of 100 yen. The individual bundle 101M2 is a bundle of 3 CAFs issued by the issue manager Q and having a current cash price of 130 yen. For each individual bundle 101M1 and 101M2, the selling price (140 yen and 170 yen), the unit difference (+40 yen, +40 yen) which is the difference between the selling price and the current cash price, and the unit difference are the currency amount (1CAF). , 3CAF) integrated individual bundle difference (+40 yen, +120 yen) is calculated.

Furthermore, these are used as the data 101N of the total currency bundle in which the individual bundles 101M1 and 101M2 are further bundled, and the total amount (4CAF), the guaranteed total cash amount (490 yen), the total selling price (650 yen), and the difference per unit currency (4CAF). +40 yen) and total difference (+160 yen) are calculated. Therefore, looking at this total currency bundle data 101N, the seller wants to sell the currency bundle whose present value is 490 yen, and the seller wants to sell it for 650 yen. It can be seen that (total amount of cash) will increase by 80 yen.

The sell order data 101X shown in FIG. 10D has two groups of individual bundles 101M1 and 101M2 in which a plurality of currencies having completely matching statuses are bundled. For example, the individual bundle 101M1 is a bundle of 8 CAFs issued by the issue manager R and having a current cash price of 100 yen. The individual bundle 101M2 is a bundle of 24 CAF issued by the issue manager S and having a current cash price of 130 yen. For each individual bundle 101M1 and 101M2, the selling price (105 yen and 135 yen), the unit difference (+5 yen, +5 yen) which is the difference between the selling price and the current cash price, and the unit difference are the currency amount (8CAF). , 24CAF), the individual bundle difference (+40 yen, +120 yen) is calculated. If only the individual bundle difference is seen, it can be seen that it is the same as in FIG. 10 (C).

Furthermore, these are used as the data 101N of the total currency bundle in which the individual bundles 101M1 and 101M2 are further bundled, and the total amount (32CAF), the guaranteed total cash amount (3920 yen), the total selling price (4080 yen), and the difference per unit currency (4080 yen). +4 yen) and total difference (+160 yen) are calculated. Therefore, looking at this total currency bundle data 101N, the seller wants to sell the currency bundle whose present value is 3920 yen, and the seller wants to sell it for 4080 yen. It can be seen that (total amount of cash) will increase by 80 yen.

In this embodiment, a rule that all unit differences must be set in common is applied to sell orders. In this way, the seller only needs to specify the currency bundle and the unit difference, and the sell order receiving unit 62B can automatically calculate all the sell order data 101X. Since the buy order reception unit 62C is exactly the same as the sell order reception unit 62B, the description thereof will be omitted.

By the way, from the seller's point of view, we want to sell as high as possible, so it is desirable that the unit difference is large. On the other hand, from the buyer's point of view, we want to buy as cheaply as possible, so it is desirable that the unit difference is small. Therefore, comparing FIGS. 10 (C) and 10 (D), the currency bundle in FIG. 10 (D) is preferable to the buyer because the unit difference is smaller.

<Display of board information>

The board display unit 62A generates board information in which uncontracted sell order data and buy order data are accumulated, and makes them viewable by the trader computer 40. As shown in FIGS. 10A and 10B, the board information 180 is information that displays a list of a plurality of sell order data 101X before execution and a list of a plurality of buy order data 101Y.

The board information 180 of FIG. 10A mainly displays the total amount of cash exchange, the total selling price, and the total difference of the total currency bundle data 101N in each sell order data 101X and the buy order data 101Y, and the magnitude relation of the total difference. The case of arranging in is shown.

On the other hand, the board information 180 of FIG. 10B mainly displays the total amount of cash exchange and the unit difference of the data 101N of the total currency bundle in each sell order data 101X and the buy order data 101Y, and is based on the magnitude relationship of the unit difference. The case of arranging them is shown. The seller or the buyer browses this board information and places a sell order or a buy order that matches the sell order / buy order data of the other party on the market, so that the contract is established. In any case, the trader can grasp the so-called market price by confirming the difference (spread) between the sell order data 101X and the buy order data 101Y in the board information 180. In FIG. 10A, the spread of the total difference can be confirmed, and in FIG. 10B, the spread of the unit difference can be confirmed.

Further, the board display unit 62A is responsible for issuance based on the issuer identification information of the electronic currency data included in the sell order data 101X, as shown in FIG. 11, based on the request from the computer 40 for the trader of the buyer. Sends credit information based on person and credit identification information. By doing so, it becomes possible to place an order for buying and selling while making a credit judgment regarding the person in charge of issuance and the claim.

<Relocation by contract>

As described above, the contract processing unit 64 generates contract data 101Z, which means that a provisional contract has been made, when the sell order data 101X and the buy order data 101Y match. When the contract data 101Z is generated, the cash processing unit 66, the reserve processing unit 68, and the transfer request unit 70 are activated. The cash processing unit 55 acquires the purchase price equivalent from the buyer's second currency account and remits a part of the sale amount equivalent to the seller's second currency account. The reserve processing unit 68 remits the reserve, which is a part of the purchase price equivalent, to the second currency account of the issue manager and reserves it. In the case of a currency bundle, remittance will be made to the second currency account of each issue manager. The transfer request unit 70 requests the transfer server 80 to process the transfer of the trader included in the contract data 101Z. The cash processing by the cash processing unit 66 and the reserve processing unit 68 will be performed after receiving the remittance completion data (including the approval by the approval server) from the transfer server 80.

<Cash server>

The cash server 90 is a computer that is responsible for a process in which a trader collectively converts a plurality of currency bundles into a second currency. As shown in FIG. 5, the cashing server 90 has a cashing receiving unit 92 and a distributed collection requesting unit 94. The cash exchange reception unit 92 receives a cash exchange request for a plurality of currency bundles from the computer for traders 40. On behalf of the trader, the distributed collection request unit 94 requests each collection server 38 of the plurality of issue managers included in this currency bundle to exchange (collect) the electronic currency data 101. The second currency redeemed on behalf of the trader is credited to the trader's electronic account in bulk. As a result, the trader can save the trouble of requesting cash from each of the collection servers 38 of each financial institution.

<Integrated management server>

As shown in FIG. 5, the integrated management server 10 has a total value calculation unit 12 and an average value calculation unit 14. The total reserve calculation unit 12 collects the information of the electronic currency data 101 that has been issued and is on the market, that is, the electronic currency data 101 whose record remains in the ledger server 35, and makes a total currency bundle, and the total amount, Calculate total cash price information, total reserve information, etc. The average value calculation unit 14 calculates the average value of the unit currency bundle based on the aggregated information of the total currency bundle. This information will be made available on the calculators of all market participants.

As described above, according to the electronic currency management system 1 of the present embodiment, the issue manager identification information and the claim identification information are added to the electronic currency data 101. Therefore, since the issuance manager and the location of the claim that is the basis of the value are clarified, the security of the electronic currency can be enhanced. For example, by giving information on power sales claims based on the feed-in tariff system for renewable energy as credit identification information, it also has the effect of raising interest in renewable energy and environmental issues for users of electronic currencies. can get. Furthermore, a claim holder who is promised future income, such as a power sale claim, transfers the claim to the issue manager of a financial institution, etc., transfers the bond, sets a pledge, etc. You can raise funds from financial institutions or receive them as electronic currency first by the amount converted into the current value of. If it is received as an electronic currency, it can be converted into a second currency (cash) through the trading market, and as a result, it is the same as raising funds. In addition to electricity sales receivables, rent receivables such as rental income in real estate and interest income receivables generated by loans can also be included in the receivables.

Further, in the present embodiment, as shown in FIG. 11, it is also possible to make a transaction while confirming the issue manager and the bond information in the transaction market of the electronic currency data 101. Therefore, it is possible to buy and sell while selecting the electronic currency data 101, and if it is a safe electronic currency, the number of transactions increases and the reserve amount tends to increase.

Furthermore, in this electronic currency management system 1, since the approval server 27 (transfer approval processing unit) by the issue manager approves the transfer of the electronic currency data 101, it is also possible to monitor fraudulent transactions and the like. It will be possible. In particular, even in transactions in the trading market, approval of the approval server 27 is required, so that safe transactions are guaranteed.

Further, in the electronic currency management system 1, when a transaction is made on the transaction market server 60, the reserve processing unit 66 calculates the reserve amount for the issue manager based on the contracted trading price, and uses the second currency. Savings are made. As a result, the cash amount of the electronic currency data 101 increases in conjunction with the transaction, so that the discrepancy between the transaction amount (trading amount) and the cash amount can be suppressed. In addition, an increase in the reserve amount in the battery currency market leads to an increase in the value of the electronic currency itself with objectivity, and as a result, an increase in the volume of the trading market. For example, as the reserve amount increases, the transaction based on 1CAF at first becomes the transaction based on 0.5CAF, and further changes to the transaction based on 0.1CAF. This will result in a substantial increase in the circulation of electronic currencies.

Although not particularly exemplified in this embodiment, it is preferable to set a cashing deadline for the electronic currency data 101. This redemption deadline can be set, for example, to the end date of the claim. By setting a redemption deadline, it is possible to properly collect electronic currencies and safely converge them. Of course, the types of receivables are not particularly limited, so even within the same CAF market, electronic currencies linked to various receivables are issued and collected. By linking such bonds to electronic currencies, it is possible to create a currency market based on solid grounds, and credit holders will be able to raise funds in advance through this electronic currency market. ..

It should be noted that the present invention is not limited to the above-described embodiment, and it goes without saying that various modifications can be made without departing from the gist of the present invention.

1 Electronic currency management system 10 Integrated management server 20 Currency generation server 27 Approval server 30 Confirmation server 35 Ledger server 38 Collection server 40 Computer for traders 60 Trading market server 80 Transfer server 90 Cashing server

Claims (9)

An electronic currency management system that manages electronic currencies using a computer.
A currency generation processing unit that generates electronic currency data meaning the electronic currency, and
It is equipped with a transaction market processing unit that manages the transaction market for trading the electronic currency.
The currency generation processing unit is
The issuance manager identification information giving unit that gives the issuance manager identification information for identifying the issuance manager of the electronic currency to the electronic currency data, and
The electronic currency data is provided with a claim identification information granting unit that assigns claim identification information for identifying the claim of the issue manager or the debtor who has a debt to the issue manager.
The transaction market processing department
The sell order data transmitted from the trader's computer of the person who wants to sell the electronic currency data is received, and the buy order data transmitted from the trader's computer of the person who wants to buy the electronic currency data is received. A board processing unit that generates board information that presents the sell order data and the buy order data,
It is characterized by including a contract processing unit for executing the sell order data and the buy order data.
Electronic currency management system. The plate processing unit is characterized in that the issuing manager identification information of the electronic currency data included in the sell order data is transmitted to the trader computer of the buyer.
The electronic currency management system according to claim 1. The board processing unit is characterized in that the credit identification information of the electronic currency data included in the sell order data is transmitted to the trader computer of the buyer.
The electronic currency management system according to claim 1 or 2. It has an approval processing unit that accepts approval by the person in charge of issuance.
When contracting the buying and selling of the sell order data, the contract processing unit receives the approval information of the person in charge of issuing the electronic currency data included in the sell order data from the approval processing unit, and then makes the contract. Characterized by confirming,
The electronic currency management system according to any one of claims 1 to 3. The above-mentioned receivables are power sales receivables of renewable energy power generation companies.
The person in charge of issuance is a financial institution that has received the power sale claim or has financed the renewable energy power generation company with the power sale claim as collateral.
The electronic currency management system according to any one of claims 1 to 4. The issuance manager identification information is the SWIFT code of the financial institution.
The claim identification information is characterized by being an equipment certification ID or a business plan approval ID of the renewable energy power generation company.
The electronic currency management system according to claim 5. The transaction market processing department
It is characterized by having a reserve processing unit that calculates a reserve amount for the issue manager based on the trade price of the contract.
The electronic currency management system according to any one of claims 1 to 5. The electronic currency data includes the exchange amount information which means the exchange amount that the issue manager promises to exchange.
The redemption amount information is updated based on the reserve amount.
The electronic currency management system according to claim 7. An electronic currency management system that manages electronic currencies using a computer.
A currency generation processing unit that generates electronic currency data meaning the electronic currency, and
Equipped with a transaction market processing department that manages the transaction market for trading electronic currencies,
The currency generation processing unit is
The issuance manager identification information giving unit that gives the issuance manager identification information for identifying the issuance manager of the electronic currency to the electronic currency data, and
The electronic currency data is provided with a conversion amount information giving unit that assigns conversion amount information meaning the conversion amount promised by the issuance manager.
The transaction market processing department
The sell order data transmitted from the trader's computer of the person who wants to sell the electronic currency data is received, and the buy order data transmitted from the trader's computer of the person who wants to buy the electronic currency data is received. A board processing unit that generates board information that presents the sell order data and the buy order data,
The execution processing unit that executes the sell order data and the buy order data,
It is characterized by having a reserve processing unit that calculates a reserve amount for the issue manager based on the trading price of the contract.
Electronic currency management system.

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