JP7461400B2 - Information processing device, program, and information processing method - Google Patents

Description

The present invention relates to an information providing device, a program, and an information processing method.

In recent years, various electronic values (hereinafter also referred to as "electronic value"), such as electronic money, virtual currency, and points issued by various companies (so-called corporate currency), have been distributed among users via networks. There is. Additionally, technology exists to promote the distribution of electronic value.

For example, the following Patent Document 1 discloses a virtual currency system that has a configuration for promoting the circulation of virtual currency, such as (1) decreasing the value of the virtual currency over time, (2) making the value of the virtual currency higher than the value of cash when the value is converted from cash to virtual currency, and (3) collecting a fee when converting virtual currency to cash.

JP2018-81426A

Incidentally, when using a system for distributing electronic value (hereinafter also referred to as a "distribution system"), a fee may be collected from the user, as in the above-mentioned conventional technology. For example, if fees related to the distribution of electronic value, such as fees for converting cash into virtual currency, are set low, it is expected that the distribution of electronic value will be promoted. However, such fees may be used to cover the costs of maintaining the distribution of electronic value (for example, costs of operating and maintaining the distribution system), and it is difficult to simply reduce the collection of fees. Conversely, if the collection of fees related to the distribution of electronic value is simply increased, there is a risk that the distribution of electronic value will stagnate. For this reason, there is a problem in that it is difficult to simultaneously collect fees related to the distribution of electronic value and promote the distribution of electronic value.

The present invention aims to provide an information providing device, a program, and an information processing method that can simultaneously collect fees related to the distribution of electronic value and promote the distribution of electronic value.

An information processing device according to one aspect of the present invention includes a payment receiving unit that receives a payment request from a first user or a second user for a payment between a first user who is a payment source and a second user who is a payment destination, an issuance conversion processing unit that performs at least one of a process for issuing electronic value to be appropriated for the payment based on the payment request and a process for a first conversion for converting another second value paid by the first user into electronic value based on the payment request, a first settlement processing unit that performs a part of a settlement process for the fee by deducting a part or all of the fee for issuing the electronic value and the first conversion during the process by the issuance conversion processing unit, a transfer processing unit that performs a process for transferring at least one of the issued electronic value and the converted electronic value to the second user based on the payment request, a conversion receiving unit that receives a conversion request when a conversion request for a second conversion for converting the transferred electronic value into another third value is received from the second user, a conversion processing unit that performs a process for the second conversion based on the conversion request, and a second settlement processing unit that performs a process for collecting at least a part of the amount deducted from the fee from the second user as part of the settlement process for the fee during the process for the second conversion.

The program according to one aspect of the present invention causes the computer to make the payment from the first user or the second user regarding the payment between the first user who is the payment source and the second user who is the payment destination. a payment acceptance function that accepts a payment request for payment; a process for issuing electronic value to be applied to the payment based on the payment request; and a process for issuing electronic value to be applied to the payment based on the payment request; and an issuance conversion processing function that performs at least one of the following: processing for a first conversion to convert the electronic value into a first payment processing function that deducts the entire fee and partially performs the payment processing of the fees; a transfer processing function that performs processing for transferring the transferred electronic value to another third user; and when a conversion request is received from the second user for a second conversion to convert the transferred electronic value to another third value, the conversion a conversion reception function that receives a request; a conversion processing function that performs processing for the second conversion based on the conversion request; and as part of the fee settlement process during the processing for the second conversion. , a second payment processing function that performs processing for collecting at least a part of the difference deducted from the fee from the second user.

In the information processing method according to one aspect of the present invention, the computer receives information from the first user or the second user regarding the payment between a first user who is a payment source and a second user who is a payment destination. receives a payment request to make a payment, based on the payment request, performs processing to issue electronic value to be applied to the payment, and based on the payment request, performs processing to issue electronic value to be applied to the payment; 2 value into the electronic value, and during the processing, deduct part or all from the fee for issuing the electronic value and the first conversion, and processing the fee settlement process. based on the payment request, perform a process for transferring at least one of the issued electronic value and the converted second electronic value to the second user, and transfer the transferred electronic value to the second user. If there is a conversion request from the second user for a second conversion of converting a value into another third value, accept the conversion request and perform processing for the second conversion based on the conversion request. and performing processing for collecting at least a part of the difference deducted from the fee from the second user as part of the fee settlement process during the process for the second conversion. Method.

According to the present invention, it is possible to provide an information providing device, a program, and an information processing method that can simultaneously collect fees related to the distribution of electronic value and promote the distribution of electronic value.

FIG. 1 is a diagram for explaining a system configuration example of a value circulation system according to the present embodiment. FIG. 1 is a diagram for explaining an example of an outline of a value circulation system according to the present embodiment. FIG. 1 is a diagram for explaining an example of an overview of a value circulation system according to an embodiment of the present invention. FIG. 1 is a diagram for explaining an example of an overview of a value circulation system according to an embodiment of the present invention. FIG. 1 is a diagram for explaining an example of an outline of a value circulation system according to the present embodiment. FIG. 1 is a diagram for explaining an example of an overview of a value circulation system according to an embodiment of the present invention. FIG. 1 is a diagram for explaining an example of an overview of a value circulation system according to an embodiment of the present invention. FIG. 1 is a diagram for explaining an example of an outline of a value circulation system according to the present embodiment. FIG. 1 is a diagram for explaining an example of an outline of a value circulation system according to the present embodiment. FIG. 1 is a diagram for explaining an example of an outline of a value circulation system according to the present embodiment. FIG. 2 is a diagram showing an example of a functional configuration of a server device according to the present embodiment. FIG. 11 is a diagram showing an example of a fee collection process of the value circulation system according to the present embodiment. It is a diagram showing an example of the operation of the value circulation system according to the present embodiment. FIG. 2 is a diagram showing an example of the hardware configuration of a server device according to the present embodiment.

A preferred embodiment of the present invention (hereinafter, referred to as "the present embodiment") will be described with reference to the attached drawings. Note that in each drawing, parts with the same reference numerals have the same or similar configurations.

In this invention, "part", "means", "device", and "system" do not simply mean physical means, but also include cases where the functions of the "part", "means", "device", and "system" are realized by software. Furthermore, the functions of one "part", "means", "device", or "system" may be realized by two or more physical means, devices, or software, and the functions of two or more "parts", "means", "device", or "system" may be realized by one physical means, device, or software.

The value circulation system 1 according to this embodiment is a system for supporting the circulation of electronic value and promoting its distribution. Specifically, the value circulation system 1 provides a mechanism for issuing electronic value and transferring the issued electronic value between users. In addition to the electronic value it issues itself, the value circulation system 1 can also request the issuance, conversion, or transfer of electronic value by external organizations on behalf of users, and can notify users of the processing results of these requests on behalf of external organizations. The value circulation system 1 also controls the fees charged to users when using these mechanisms so that they are appropriately allocated and amounted when circulating electronic value.

"Electronic value" refers to electronic data (digitized data) that can be used as an asset, such as currency, to purchase goods or pay for the provision of services. For example, electronic value can be issued in the form of an "account type" (in other words, an account type) where the balance of an account is transferred, or the value itself can be stored in a wallet or the like and can be circulated from time to time. It may also take the form of a "token type." Specifically, electronic value includes electronic money (digitized legal currency), crypto assets (encrypted digital currency that does not have the guarantee of a specific country, so-called virtual currency), and CBDC (Central Bank Digital Currency). ：Central bank issued digital currency), etc. Further, as another example, electronic value may include tokens such as local currency issued by a region (original cryptographic assets (virtual currency) issued by a company or an individual). In this embodiment, an example will be described in which electronic value has a token-type issuance format, but the electronic value according to the present invention is not limited to this.

For example, the electronic value may be issued by the server device 100 of the value circulation system 1, or may be issued by an external system operated by an external organization (for example, the token system 400a described below). You can.

The transfer of electronic value includes, for example, the transfer of a balance between accounts, or the transfer of electronic value (a token, which is a type of digitalized value (hereinafter simply referred to as a "token") stored in a storage medium to another storage medium. The transfer of electronic value may also include, for example, remittance transactions between accounts, deposits to/withdrawals from an account, points conversion, payment transactions using a bank account (e.g., bank transfers), or card payment transactions using a debit card, credit card, or prepaid card, etc.

In the value circulation system 1, the fees for circulating electronic value are optimized by the following methods (a) and (b). In other words, in the value circulation system 1, the fees imposed on users who perform processes to increase the circulation amount and circulation speed of electronic value, i.e., users who issue electronic value and convert it from other values, are reduced. Then, the reduced amount is collected from users who perform processes to decrease the circulation amount and circulation speed of electronic value, i.e., users who convert electronic value to other values or hoard electronic value. The other values may include, for example, a second value and a third value. The second value and the third value may be the same value or different values.
(A) At least a part of the fees imposed when issuing electronic value or converting other values into electronic value is deducted from the fee. Hereinafter, this deducted amount is also referred to as the "(fee) deduction amount." In addition, converting other values into electronic value is also referred to as the "first conversion."
(a) The balance shall be recovered using at least one of the following two methods:
When converting electronic value into other value, a fee is collected from the person who requested the conversion. Note that converting electronic value into other value is also called "second conversion."
- If electronic value is held for a period exceeding the set holding period without being transferred to another person, it will be collected from the person who held it.

The operator of the value circulation system 1 (hereinafter also referred to as the "circulation business") may be, for example, a business that provides a service that can be used to settle transactions. The circulation business may also be, for example, a business that provides one or more payment methods that can be used to settle transactions (such as a payment agency (PSP: Payment Service Provider)). The circulation business may also be a payment instruction service provider (PISP (Payment Initiation Service Provider)) that provides a service to instruct financial institutions such as banks to make payments or transfer funds. As another example, the circulation business may be the financial institution (bank or electronic money business) itself that transfers funds.

1. System configuration
An example of the system configuration of a value circulation system 1 according to this embodiment will be described with reference to FIG.

As shown in FIG. 1, the value circulation system 1 includes a server device 100 used by a circulation company, a first user device 200a used by a first user, and a second user device 200b used by a second user. When there is no need to distinguish between the first user device 200a and the second user device 200b, the first user device 200a and the second user device 200b are collectively referred to as "user device 200". The number of devices included in the user device 200 is not limited to two, and may be three or more. The server device 100 and the user device 200 are connected to each other so as to be able to communicate with each other via a network N. In addition, the value circulation system 1 may be linked (including information linkage and/or function linkage, the same applies below) with an external system 400 via the network N. Specifically, the server device 100, the user device 200, the token server 410a described later, the financial server 410b described later, and the electronic money server 410c described later may be connected to each other so as to be able to communicate with each other via the network N.

[Server device]
The server device 100 is an information processing device capable of communicating with the user device 200 and the external system 400. The server device 100 executes a predetermined program to receive a payment request using electronic value from the user device 200, and performs processing for issuing electronic value, converting it from other values, or transferring it based on the payment request. The server device 100 also collects fees related to the circulation of electronic value, such as the issuance, conversion, or transfer of electronic value.

[User Device]
The user device 200 is an information processing device used by a user, and is, for example, a terminal device such as a smartphone, a laptop, etc. The user device 200 executes a predetermined program to connect to the server device 100 and transmit and receive information related to electronic value, and accepts input of various requests from the user to the value circulation system 1.

The "prescribed program" may include, for example, an application program (hereinafter also referred to as a "value management app") dedicated to the value circulation system 1 installed in the user device 200, or a web browser that is provided as standard on the user device 200, which is a general-purpose terminal device, or a combination of these. In this embodiment, an example will be described in which the prescribed program is a value management app.

The predetermined program may include, for example, a program developed using an SDK (Software Development Kit) for the value circulation system 1. Further, the predetermined program may have a function of calling an API (Application Programming Interface) for using each function of the server device 100. The user device 200 may cooperate with the server device 100 using these SDKs and APIs.

[network]
The network N is composed of a wireless network and a wired network. Examples of networks include mobile phone networks, PHS (Personal Handy-phone System) networks, wireless LANs (Local Area Networks, including communications compliant with IEEE802.11 (so-called Wi-Fi (registered trademark))), and 3G networks. (3rd Generation), LTE (Long Term Evolution), 4G (4th Generation), 5G (5th Generation), WiMax (registered trademark), infrared communication, visible light communication, Bluetooth (registered trademark), wired LAN, telephone line, power line There are communication networks, such as networks compliant with IEEE1394 and the like.

[External System]
The external system 400 is communicatively connected to the server device 100 and/or the user device 200 via a network N. The external system 400 includes, for example, (1) a token system 400a, (2) an electronic money system 400c, and (3) a financial system 400b.

The token system 400a is a system operated by an external institution that issues and manages unique tokens, and includes a token server 410a. The financial system 400b is a system operated by an external institution, such as a bank, that is a financial institution, and includes a financial server 410b. The electronic money system 400c is a system operated by an external institution that issues and manages electronic money, and includes an electronic money server 410c.

<2. Overview＞
An example of the outline of the value circulation system 1 according to this embodiment will be explained with reference to FIGS. 2 to 10.

<2-1. Circulation of electronic value>
First, an example of the circulation of electronic value in the value circulation system 1 will be described with reference to Fig. 2. Fig. 2 is a diagram for illustrating an image of a circulation network of the value circulation system 1. In the value circulation system 1, while circulating electronic value by issuance, conversion, or transfer, the fees for these are controlled so as to be optimized in promoting the circulation of electronic value.

In this example, first, an example will be described in which a payment provider (a first user) who is a payment source uses the value circulation system 1 to pay sales to a store A (a second user) who is a payment destination. Store A is a member store of a payment service provided by a payment provider (hereinafter also simply referred to as a "payment service"). It is assumed that electronic value converted from other value (for example, legal currency) is used when payment is made from the payment provider to store A regarding sales (product price) using the payment service.

(1) As shown in FIG. 2, first, the user device 200 of the payment provider makes a request for payment using electronic value (hereinafter also referred to as a "payment request") to the server device 100 of the recycling company. Furthermore, in response to this payment request, the payment provider pays the circulation company legal currency equivalent to the sales after deducting the commission fee as consideration for conversion into electronic value. If sales are 1 million yen and commission is 3% of sales (i.e. 30,000 yen), 970,000 yen in cash will be paid to the circulation company.

(2) When the circulation company receives a payment request and payment in legal tender from the payment service provider, it makes a payment in electronic value to the payment recipient, store A, minus at least a portion of the commission that is deducted from sales (compensated by the circulation company).

For example, if the sales amount is 1 million yen and the commission is 30,000 yen, the server device 100 performs processing to transfer electronic value equivalent to 1 million yen (sales) - 30,000 yen (commission) + 30,000 yen (net amount) = 1 million yen to store A, after deducting the commission from the sales amount of 970,000 yen. The server device 100 then deducts the full amount of the commission of 30,000 yen. The server device 100 transfers electronic value equivalent to 1 million yen to the wallet app installed in the user device 200 of store A.

A "wallet app" is an application program that manages a wallet, a so-called software wallet. Note that the wallet according to the present embodiment may be, for example, a software wallet such as a wallet application of the user device 200, or a wallet managed by the token server 410a or the server device 100 that is the entity that issues the token ( For example, it may be a web wallet, etc.).

<When store A transfers electronic value to another user>
(3-1) Next, store A sends the electronic value A to be applied to the salary from the user device 200 of store A to the server device 100 in order to pay the salary to the user who is a store clerk using electronic value. A request is made for processing to be transferred from the store to the clerk. The server device 100 performs processing for transferring electronic value from store A to the clerk to be applied to salary. In the value circulation system 1, when this electronic value is transferred, the difference is not recovered.

(4-1) If the store clerk further transfers the electronic value transferred in (3-1) above to another user, the value circulation system 1 will not collect the remaining amount.

<When store A transfers electronic value to store B, and store B converts it into cash>
(3-2) In order for store A to make payment for a transaction with store B, which is a trading partner of the user, using electronic value, the user device 200 of store A requests the server device 100 to perform processing to transfer the electronic value to be applied to the transaction amount from store A to store B. Based on this request, the server device 100 performs processing to transfer the electronic value from store A to store B. When transferring this electronic value, the value circulation system 1 does not collect the net amount.

(4-2) When Store B requests that the electronic value transferred in (3-2) above be converted into another value (in this example, legal tender (cash)), the user device (not shown) of Store B makes a request to the server device 100 for a second conversion from electronic value to cash. In addition, when requesting this second conversion, Store B is asked to pay the amount of electronic value desired to be converted to the recycler as compensation for the conversion into cash.

(5-2) Upon receiving the second conversion request in (4-2) above, the server device 100 performs processing for converting electronic value into cash. Specifically, the server device 100 performs processing for transferring cash to the account of Store B of the financial institution specified in the request for the second conversion. At the time of this transfer, server device 100 performs processing to collect the difference of 30,000 yen from store B. For example, the circulating business receives a payment of electronic value equivalent to 1 million yen from store B, and transfers 970,000 yen, which is 30,000 yen subtracted from 1 million yen, to store B's account. For this transfer, for example, the server device 100 may instruct the update API of the financial institution's financial server 410b to transfer 970,000 yen to the account of store B.

<When store A stores electronic value>
(3-3) If store A does not transfer the electronic value to another user beyond the set retention period, that is, if the electronic value is stored, at least a portion of the difference is collected from store A. Specifically, a portion of the difference is transferred from the wallet of the user device 200 of store A to the wallet of the recycling company.

<When store A requests conversion of electronic value to other value>
(3-4) As in (5-2) above, when store A requests that the paid electronic value be converted into cash, the user device 200 of store A makes a request to the server device 100 for a second conversion from electronic value to cash.

(4-4) When the server device 100 receives the request for the second conversion in (3-4) above, it performs processing to convert the electronic value into cash. Specifically, the server device 100 performs processing to transfer the cash to the account of store A at the financial institution specified in the request for this second conversion. When this transfer is made, the server device 100 performs processing to collect the net amount of 30,000 yen from store A.

As an example different from the example of the process for collecting the difference in (5-2) above, in the value circulation system 1, in order to collect the difference from store A when the second conversion is requested, the electronic value of the amount desired to be converted plus the difference may be paid to store A as consideration for the conversion to another value. For example, electronic value equivalent to 1,030,000 yen in total, consisting of the electronic value equivalent to 1,000,000 yen desired to be converted and the electronic value equivalent to the difference, may be transferred from store A to the circulation company. Note that the collection of the difference is not limited to electronic value, and in cases where the balance of the electronic value is only the amount desired to be converted, it may be collected using other value.

According to the above configuration, the value circulation system 1 can reduce the fees imposed on users who issue electronic value or convert it from other values, and collect the reduced amount from users who convert electronic value to other values or hoard electronic value. Therefore, the value circulation system 1 can simultaneously collect fees related to the circulation of electronic value and promote the circulation of electronic value.

<2-2. Overall picture＞
Next, an example of the overall functional configuration of the value circulation system 1 will be described with reference to FIG. 3.

As shown in FIG. 3, the functions realized by the entire value circulation system 1 are classified into the following functions A) to E). In the value circulation system 1, the classified functions cooperate with each other. The exchange and processing of information in units of functions A) to E) will be explained below. Note that, for example, sub-functions classified as function A) will be explained using consecutive numbers such as A1) and A2).
・A) Token-type value function: Issues token-type value (hereinafter also simply referred to as "token"), provides the issued tokens to users, collects circulating tokens, and Function to manage payment history ・B) Account-type value function: Function to manage account-type value balance and value-based payment history ・C) Wallet function: To register users・D) Settlement settlement function: Settlement and settlement of funds related to value circulation system 1・E) Transaction management function: Value circulation system In order to manage transactions conducted in 1, we verify the user's identity (KYC), handle AML (Anti-Money Laundering), determine the risk of transactions, and manage the history of these confirmations. Functions/F) External IF function: A function responsible for coordination with the external system 400 (in addition, in providing the functions A) to E) in response to requests from various devices of the user device 200 and the external system 400, A so-called white label function may be implemented using an SDK library, API, or the like. )

A) Token type value function and B) Account type value function are the same in that they manage information regarding electronic value depending on whether the electronic value is token type or account type. The various descriptions below can be read as appropriate into the description of B) account-type value function.

[user registration]
Next, with reference to FIG. 4, an example of a process performed when a user registers to use the value circulation system 1 will be described.

(1) <C1) User Registration> As shown in FIG. 4, the reception unit 111 of the server device 100 receives a request for user registration from a company or an individual (general consumer). This user registration request may include user information required for registration. (2) The reception unit 111 makes a request to the transaction management function E) to confirm whether or not the user can be registered (hereinafter also referred to as a "confirmation request").

"User information" is information related to users. User information includes, for example, user identification information to uniquely identify each user (generated when registering user information), name, telephone number, address, email address, and/or personal number (My Number). May include. Further, the user information may be, for example, image data of a driver's license, passport, or My Number card. The user information may be stored in the user storage unit 142 in association with, for example, electronic value information and/or electronic value history information, which will be described later.

The user information may include, for example, the user's license number, card information such as a credit card held by the user, account information of a financial institution account held by the user, and the like. Card information may include, for example, a card number, expiration date, security code, and the like. The account information includes, for example, account type, account number, name, and/or account balance.

The user information may include, for example, biometric information relating to the user's biometric characteristics (e.g., the user's facial image data, fingerprint information, iris information, or voiceprint information, etc.).

User information may include negative information, for example. The negative information may include, for example, information regarding suspension of use used for negative checks on the user, and information regarding evaluation of the user based on past transaction history. Past transaction history includes, for example, a history in which the identity could not be verified, a history in which a scheduled bank account withdrawal could not be made due to insufficient funds, or a history in which payments were delayed.

(3a) <E1) KYC/AML> Upon receiving the confirmation request, the identity verification unit 123 of the server device 100 verifies the user's identity based on the user information. (3b) Upon receiving the confirmation request, the detection unit 124 of the server device 100 detects fraud, such as an unauthorized user registration request, based on the user information. (3c) <E2) Risk Evaluation> The evaluation unit 125 of the server device 100 evaluates the risk related to user registration based on the result of identity verification, the result of fraud detection, and user information. The evaluation unit 125 evaluates whether or not user registration is possible based on the evaluated risk.

(4) <E3) Confirmation history record> The registration unit 126 of the server device 100 records the processing results of the confirmation result by the identity verification unit 123, the detection result by the detection unit 124, and the evaluation result by the evaluation unit 125. , is registered in the history storage unit 141 as a history of user registration confirmation. (5) E) The evaluation unit 125 of the transaction management function responds to the reception unit 111 with the confirmation result (whether or not user registration is possible) in response to the confirmation request.

(6) <C1) User Registration> When the reception unit 111 receives the confirmation result from the transaction management function E), if the confirmation result indicates that "user registration is possible," the reception unit 111 accepts the user registration. When the reception unit 111 accepts the user registration, it cooperates with the registration unit 126 to register the user information in the user memory unit 142.

(7) <C2) User Information Management> The registration unit 126 registers the linked user information in the user storage unit 142. (8) When registering user information, the registration unit 126 generates authentication information for user authentication (for example, user identification information, password, biometric information for two-step authentication, etc.).

(9) <C3) User IF/Authentication> The notification unit 115 of the server device 100 notifies the user of the generated authentication information and that user registration has been completed. Specifically, the notification unit 115 may transmit to the user device 200 a message including the generated authentication information and a message indicating that user registration has been completed.

[Token issue/provision]
Next, with reference to FIGS. 5 and 6, an example of the processing performed when issuing and providing tokens in the value circulation system 1 will be described.

(1) <F1) Applicant connection> As shown in FIG. 5, the first user (issue applicant) who is the payment source, in order to pay the second user who is the payment destination with a token, A token is issued and a payment request is made for payment using the issued token. Specifically, the first user device 200a of the first user transmits this payment request to the server device 100. (2) The payment acceptance unit 111a of the server device 100 accepts this payment request from the first user device 200a.

(3) When the payment acceptance unit 111a accepts the payment request, the issuance conversion processing unit 112 of the server device 100 sends a confirmation to the transaction management function to confirm whether the payment for this payment request can be executed. Make a request. (4)E) Upon receiving this confirmation request, the transaction management function performs a process of confirming whether or not payment is possible. Specifically, as shown in the example of FIG. 4 above, the evaluation unit 125 evaluates the risk regarding the payment based on the results of identity verification and fraud detection by the identity verification unit 123 and the detection unit 124, respectively. . The evaluation unit 125 evaluates whether or not payment is possible based on the evaluated risk. The registration unit 126 stores the results of the verification by the identity verification unit 123, the detection by the detection unit 124, and the evaluation by the evaluation unit 125 in the history storage unit 141 as a user registration verification history. register. (5) E) The transaction management function responds to the issuance conversion processing unit 112 with the confirmation result (approval or disapproval of payment) in response to the confirmation request.

(6) <A1) Token Issuance/Provision> The issuance conversion processing unit 112 issues E) a token to be applied to the payment based on the payment request if the confirmation result by the transaction management function is "settlement possible". Process. Regarding this "process for issuing tokens to be used for payment (hereinafter also referred to as "issuance process")", there are two cases: when the circulation provider issues the tokens himself, and when he requests an external issuer to issue the tokens. An example of two cases will be explained. Furthermore, in each of the two cases, in order to provide the issued token to the second user, the movement processing unit 113 performs a process ( (hereinafter also referred to as "movement processing").

First, an example will be explained in which the circulation operator issues tokens himself. (6a-1) When the circulating business operator issues tokens himself, the issuance conversion processing unit 112 issues tokens for the payment amount indicated in the payment request, based on the payment request. In other words, the issuance conversion processing unit 112 generates token information indicating tokens equivalent to the payment amount. (6a-2) The transfer processing unit 113 of the server device 100 performs processing for transferring the issued token to the second user based on the payment request. Specifically, in order to move the token to the wallet of the second user, the movement processing unit 113 sends the token information of the issued token to the wallet application of the second user device 200b, and registers this token in the wallet application. (Stored in the wallet (storage device) of the second user device 200b).

"Token information" is information indicating the token itself. Token information includes, for example, identification information for identifying each token (for example, serial number, etc.), issuer information indicating the issuer, owner information indicating the current owner, type information indicating the type of token, etc. May include. This publisher information may include, for example, signature data of the publisher. Further, the token information may include, for example, at least a part of electronic value history information described below.

Next, an example of requesting an external issuer to issue a token will be explained. (6b-1) <F2) Token issuer connection> When requesting an external issuer to issue a token, the issuance conversion processing unit 112 sends a payment request to the token server 410a based on the payment request as an issuance process. Make an issuance request to issue a token to be used for. In addition to the issuance request, the movement processing unit 113 also issues a movement request to move the issued token to the second user. Specifically, the issuance conversion processing unit 112 and the movement processing unit 113 transmit the issuance request and movement request to the token server 410a.

(6b-2) Based on the issuance request, the token server 410a issues tokens for the payment amount indicated in the issuance request. (6b-3) Based on the transfer request, the token server 410a performs processing to transfer the issued token to the second user. Specifically, the token server 410a registers the issued token in the wallet of the second user (stores it in the wallet of the second user). (6b-4) The issuance conversion processing unit 112 and the transfer processing unit 113 accept the results of the token issuance and transfer from the token server 410a as a response to the issuance request and transfer request. Note that when issuing and transferring tokens, the cost of issuing and transferring tokens to the external issuer may be temporarily paid by the circulation operator to an account of a financial institution designated by the external issuer.

Now, referring to Figure 6, we will explain an example of the processing of D) payment settlement function when issuing a token.

(7-1) <D1) Fund Settlement> <F1) Applicant Connection> As shown in FIG. 6, as part of the issuance process and the first conversion process, the issuance conversion processing unit 112 makes a compensation request to the first user to request compensation for the issuance and transfer of the token. Specifically, the issuance conversion processing unit 112 transmits this compensation request to the first user device 200a of the first user.

(7-2) <F1) Applicant Connection> The first user issues a payment instruction to the server device 100 (circulator) to pay the fee for the accepted request for payment. Specifically, the first user device 200a of the first user transmits this payment instruction to the server device 100. (7-3) The reception unit 111 accepts this payment instruction.

(8) <D3) Fee Settlement> The first settlement processing unit 117a of the server device 100, for example, performs part of the settlement processing of the issuance fee by deducting all or part of the issuance fee (hereinafter also referred to as the "issuance fee") during issuance processing by the issuance conversion processing unit 112. For example, if the issuance fee is equivalent to 200 yen, the first settlement processing unit 117a deducts 80 yen (40% of the fee) from this 200 yen and settles the remaining amount of 120 yen. For example, the first settlement processing unit 117a may request the fee after this deduction from the first user, who is the issuer, via the issuance conversion processing unit 112, by adding it to the price for issuing and moving the token.

(9) <D4) Securitization of fee receivables> As one of the issuance fee settlement processes, the securitization reception unit 111c of the server device 100 receives a request from the issuance fee creditor (in this example, a circulation company or an external issuer). , accept requests for securitization of fee receivables. In addition, if the creditor of the issuance fee is an external issuer, this securitization request shall be included in the response of the token issuance result. The securities processing unit 122 performs a process of issuing securities for fee receivables based on the accepted securitization request. The second notification unit 115b notifies the creditor that the securities have been issued.

(10) <D1) Funds Settlement> As a first conversion process, the issuance conversion processing unit 112 sends a request to the financial server 410b of the financial institution that holds the first user's account based on the accepted payment instruction. Instructions are given to pay the token issuance consideration from this account to the operator's financial institution account. (11) The issuance conversion processing unit 112 uses at least a portion of the consideration paid by the first user or at least a portion of the balance of the first user's wallet as a deposit for future fee collection. It may be kept and managed in an account, etc.

Returning to FIG. 5, the explanation will be continued. (12) <A2) Token payment history record> The registration unit 126 registers the history of payments and settlements by issuing and transferring tokens in the history storage unit 141 as electronic value history information. (13) <C3) User I/F/Authentication> The notification unit 115 notifies the second user via the second user device 200b that the payment using this token has been completed.

"Electronic value history information" is information indicating history regarding electronic value including tokens. The electronic value history information includes, for example, the issuance history of electronic value, issuer information, movement history (including the source, destination, and date and time of each movement), and/or collection (repayment) history, Contains payment information indicating payment regarding electronic value. For example, when the electronic value is of account type, the electronic value history information may include the balance of the electronic value and/or the unit of the electronic value.

[Token purchase]
Next, an example of a process performed at the time of purchasing a token in the value circulation system 1 will be described with reference to FIG.

(1) <C3) User I/F/Authentication> As shown in FIG. 7, the first user (issuance applicant) who applies for the purchase of a token must, in order to purchase the token, A token is issued and a payment request is made to purchase the issued token. Specifically, the first user device 200a of the first user transmits this payment request to the server device 100. (2) The payment acceptance unit 111a accepts this payment request from the first user device 200a.

(3) When the payment reception unit 111a receives the payment request, the issuance conversion processing unit 112 sends a confirmation request to the E) transaction management function to confirm whether or not the payment of the received payment request can be executed. Details of the confirmation process of whether or not payment can be executed in the E) transaction management function are the same as those in the example of Figure 5 above, so an explanation will be omitted. (4) The E) transaction management function responds to the issuance conversion processing unit 112 with the confirmation result (whether or not payment can be executed) in response to the confirmation request.

(5) <A1) Token issuance and provision> <D1) Funds settlement> If the confirmation result by E) the transaction management function is "payment possible", the issuance conversion processing unit 112 performs the payment process of the price for purchasing the token (hereinafter also referred to as the "purchase price") as the first conversion process based on the settlement request.

(5a-1) When the account of the payment source in the payment of the purchase price is an account of a financial institution, the issuance conversion processing unit 112 sends a message to the financial institution's financial server 410b about the recycler or token issuer of the payment destination. A payment instruction is given to the specified account to pay the purchase price from the payment source's account. (5a-2) Based on this payment instruction, the financial server 410b transfers the purchase price from the account of the first user, which is the payment source, to the account of the recycler, which is the payment destination. (5a-3) As a result of this payment instruction, the financial server 410b responds to the issuance conversion processing unit 112 with the result of the transfer process (payment result) for the purchase consideration.

(5b-1) If the account of the payment source in the payment of the purchase price is an account of an electronic money business, the issuance conversion processing unit 112 sends a request to the electronic money server 410c of the electronic money business to circulate the payment destination. A payment instruction is given to the vendor's account to pay the purchase price from the payment source's account. (5b-2) Based on this payment instruction, the electronic money server 410c transfers the electronic money equivalent to the purchase price from the account of the first user who is the payment source to the account of the recycler who is the payment destination. (5b-3) As a result of this payment instruction, the electronic money server 410c responds to the issuance conversion processing unit 112 with the result of the electronic money transfer process (payment result).

The processing of D) payment/settlement function in (6) to (8) is the same as (7) to (11) in FIG. 6, so a description thereof will be omitted.

(9) <A1) Token issuance and provision> When the confirmation result by E) the transaction management function is "payment possible", the issuance conversion processing unit 112 performs an issuance process to issue the token to be purchased based on the payment request. In addition, in order to provide the issued token to the second user, the transfer processing unit 113 performs a transfer process to transfer the issued token to the second user based on the payment request.

(9a-1) When the circulating business operator issues and transfers tokens himself, the issuance conversion processing unit 112 issues tokens for the payment amount indicated in the payment request, based on the payment request. (9a-2) The transfer processing unit 113 transfers the issued token to the first user based on the payment request.

(9b-1) <F2) Token issuer connection> When requesting an external issuer to issue or transfer a token, the issuance conversion processing unit 112 sends a request to the token server 410a based on the payment request as an issuance process. , makes an issuance request to issue the token to be purchased. In addition to the issuance request, the movement processing unit 113 also issues a movement request to move the issued token to the second user. (9b-2) Based on the above issuance request, the token server 410a issues tokens for the payment amount indicated in the issuance request. (9b-3) The token server 410a transfers the issued token to the first user based on the transfer request. (9b-4) The issuance conversion processing unit 112 and movement processing unit 113 receive the results of token issuance and movement from the token server 410a as a response to the issuance request and movement request.

(10) <A2) Token payment history record> The registration unit 126 registers the history of the token purchase by issuance and transfer of this token in the history storage unit 141. (11) <C3) User I/F and authentication> The notification unit 115 notifies the first user via the first user device 200a that the token purchase has been completed.

[Token movement]
Next, with reference to FIG. 8, an example of processing performed in the scene of payment by token movement in the value circulation system 1 will be described.

(1) <C3) User I/F and Authentication> As shown in FIG. 8, when a first user, who is the payer, makes a payment request to the value circulation system 1 to make a payment by moving the token to a second user, who is the payee, as shown in FIG. 8. Specifically, the first user device 200a of the first user transmits this payment request to the server device 100. (2) The payment reception unit 111a receives this payment request from the first user device 200a.

(3) <A1) Token issuance/provision> When the payment reception unit 111a receives the payment request, the transfer processing unit 113 sends a confirmation request to the E) transaction management function to confirm whether or not the payment of this payment request can be executed. Details of the confirmation process in the E) transaction management function are the same as those in the example of Figure 5 above, so an explanation will be omitted. (4) The E) transaction management function responds to the transfer processing unit 113 with the confirmation result (whether or not the payment can be executed) in response to the confirmation request.

(5) If the confirmation result by E) the transaction management function is "settlement possible", the movement processing unit 113 performs processing to move the tokens to be applied to the payment based on the payment request. In order to transfer the token from the first user's wallet to the second user's wallet, the transfer processing unit 113 receives token information of the token to be transferred (token to be applied for payment) from the wallet application of the first user device 200a, It is sent to the wallet application of the second user device 200b.

(6) <A2) Token payment history recording> The registration unit 126 registers the history of payment settlements made by the movement of this token in the history storage unit 141.

(7) <C3) User I/F and Authentication> The notification unit 115 notifies the second user via the second user device 200b that the payment settlement using this token has been completed.

[Token storage]
Next, with reference to FIG. 9, an example of the process performed in the token hoarding scene in the value circulation system 1 will be described. Specifically, "token hoarding" refers to a user continuing to hold tokens without circulating them for a period exceeding a set threshold.

(1) <A2) Token payment history record> As shown in FIG. Measure the period. This holding period may be, for example, a period from the date and time when the token was transferred to the measurement time.

(2) <A3) Token Collection> <F2) Token Issuer Connection> The third settlement processing unit 117c performs processing to collect at least a portion of the deduction from the user who holds the token as part of the fee settlement processing based on the token holding period measured above. For example, if the token holding period exceeds a set threshold, the third settlement processing unit 117c may perform processing to collect at least a portion of the deduction from the user who holds this token.

As a process for collecting the deduction of the fee by the third settlement processing unit 117c, for example, the following patterns (a) to (c) are conceivable.
(a) <A3) Token Collection> In the case of a token issued by a circulation company of the value circulation system 1 itself, the third settlement processing unit 117c collects (deducts) the amount to be collected from the token registered in the wallet app of the user to be collected.
(b) <A3) Token Collection> In the case of a token issued by the token system 400a, the third settlement processing unit 117c instructs the token server 410a to collect the amount to be collected from the token of the user to be collected.
(c) <D2) Deposit Management> When a deposit from a user to be collected is in the account of the circulation company, the third settlement processing unit 117c recovers (deducts) the amount to be collected from this deposit.

(3) <D4) Securitization of fee receivable> If the fee receivable to be collected has been securitized, the securities processing unit 122 cancels the securities of the fee receivable for the amount collected.

(4) <C3) User I/F/Authentication> The notification unit 115 notifies the user that the difference in fees for storing the token has been collected.

According to the above configuration, the value circulation system 1 can collect at least a portion of the fee for issuing electronic value or the first conversion from users who hoard tokens. This can encourage users to circulate tokens rather than hoard them.

[Token cash]
Next, with reference to FIG. 10, an example of a second conversion process of converting a token into another value (in this example, legal currency (cash)) in the value circulation system 1 will be described.

(1) <C3) User I/F and Authentication> As shown in FIG. 10, a first user who applies to cash out a token makes a payment request to the value circulation system 1 for the second conversion, which converts the token into cash. Specifically, the first user's first user device 200a transmits this payment request to the server device 100. (2) The payment acceptance unit 111a accepts this payment request from the first user via the first user device 200a.

(3) When the payment receiving unit 111a accepts the payment request, the conversion processing unit 114 issues a confirmation request to the transaction management function to confirm whether or not the payment of the received payment request can be executed. . E) Details of the confirmation process in the transaction management function are the same as in the example shown in FIG. 5 above, so a description thereof will be omitted. (4) E) The transaction management function responds to the conversion processing unit 114 with the confirmation result (approval or disapproval of payment) in response to the confirmation request.

(5) <A3) Token collection> If the confirmation result by the E) transaction management function is "settlement possible", the conversion processing unit 114 converts the token into cash as a second conversion process based on the payment request. Collect enough tokens. When collecting the tokens along with the difference in fees, the second settlement processing unit 117b may add the collected amount to the amount to be converted into cash. (5a) In the case of a token issued by the circulation company itself, the conversion processing unit 114 collects tokens corresponding to the payment amount indicated in the payment request from the first user's wallet application based on the payment request. (5b-1) <F2) Token issuer connection> In the case of a token issued by an external issuer, the conversion processing unit 114 sends the first user to the token server 410a based on the payment request as a collection process. Makes a collection request to collect (expire) the tokens held by . (5b-2) Based on the above collection request, the token server 410a collects tokens for the payment amount indicated in the collection request. (9b-3) The conversion processing unit 114 receives the token collection result from the token server 410a as a response to the collection request.

(6) <D1) Funds settlement> If the confirmation result by E) the transaction management function is "settlement possible", the conversion processing unit 114 performs processing for the payment of cash converted from the token as processing for the second conversion based on the settlement request.

(6a-1) <F3) Financial Institution Connection> If the source account of this payment is an account at a financial institution, the conversion processing unit 114 issues a payment instruction to the financial institution's financial server 410b to pay the converted amount of cash from the source account to the account of the first user designated as the destination. (6a-2) Based on this payment instruction, the financial server 410b transfers the converted amount of cash from the source account of the recycler to the destination account of the first user. (6a-3) The conversion processing unit 114 and the financial server 410b respond with the result of this transfer process as a result of this payment instruction.

(6b-1) <F4) Value business connection> If the account from which this payment is made is an account of an electronic money business, the conversion processing unit 114 connects the electronic money business to the electronic money server 410c of the electronic money business. A payment instruction is given in cash from the account of the recycler that is the payment source to the account of the first user designated as the payee. (6b-2) Based on this payment instruction, the electronic money server 410c withdraws the converted electronic money from the payment source's account of the circulating provider, and withdraws the electronic money to the payment destination's first user's account. Deposit cash equivalent to the money. (6b-3) In the conversion processing unit 114, the electronic money server 410c responds with the result of the electronic money withdrawal process as a result of this payment instruction.

(7) <D3) Fee Settlement> During the process for the second conversion, the second settlement processing unit 117b transfers at least a portion of the difference deducted from the fee to the second user as part of the fee settlement process. Perform processing to collect from. As for the processing for collecting the difference in fees by the second payment processing unit 117b, for example, similar to the third payment processing unit 117c, the processing for collecting the difference in fees described above is (a) to (). Pattern c) is possible.

(7-1) <D2) Deposit Management> When a deposit from a user to be collected is in the account of the circulation company, the second settlement processing unit 117b may recover at least a portion of the amount to be collected from this deposit.

(8) <D4) Securitization of fee receivables> If the fee receivables to be collected are securitized, the securities processing unit 122 erases the collected fee receivables.

(9) <A2) Token payment history record> The registration unit 126 registers the history of token collection through cashing in the history storage unit 141.

(10) <C3) User I/F and Authentication> (11) The notification unit 115 notifies the first user via the first user device 200a that the token has been converted into cash.

According to the above configuration, the value circulation system 1 can collect at least a portion of the fee for issuing electronic value or the first conversion from the user who has converted the token into cash. This makes it possible to promote the circulation of tokens while collecting the fee.

<3. Functional configuration>
The functional configuration of the server device 100 according to this embodiment will be described with reference to FIG. 11. As shown in FIG. 11, the server device 100 includes a control section 110, a communication section 130, and a storage section 140.

The control unit 110 includes a reception unit 111, an issuance conversion processing unit 112, a movement processing unit 113, a conversion processing unit 114, and a settlement processing unit 117. The control unit 210 may also include, for example, a notification unit 115, a measurement unit 116, a calculation unit 118, a setting unit 119, a transfer request unit 120, an acquisition unit 121, a securities processing unit 122, a personal identification unit 123, a detection unit 124, an evaluation unit 125, and/or a registration unit 126.

[Reception Department]
The reception unit 111 receives various information including various user requests from the user (user device 200) or the device of the external system 400. The reception unit 111 may accept various types of information in any manner. For example, the reception unit 111 may receive, for example, a message indicating a request for user registration from the user device 200 via the communication unit 130. Further, the reception unit 111 may input and accept various requests from the screen of a website or application provided by the value circulation system 1 or the like displayed by the user device 200. Further, the reception unit 111 may receive various requests from the user, for example, by the user device 200 using an API or SDK library implemented in the own device 100. The reception unit 111 may include, for example, a payment reception unit 111a, a conversion reception unit 111b, and a securitization reception unit 111c.

[Payment Reception Department]
The payment receiving unit 111a receives a payment request from a first user or a second user for making a payment between a first user who is the payer and a second user who is the payee.

[Conversion reception section]
When a conversion request for a second conversion for converting the electronic value transferred by the transfer processing unit 113 into another value (for example, a third electronic value) is received from the second user, the conversion receiving unit 111b receives the conversion request.

The conversion receiving unit 111b may, for example, receive a conversion request from a third user for a second conversion of electronic value transferred from a second user by the transfer processing unit 113.

[Securitization Reception Department]
The securitization receiving unit 111c receives a request for securitization of the fee claim from the fee creditor.

[Issuance conversion processing unit]
The issuance conversion processing unit 112 performs an issuance process for issuing electronic value to be applied to the payment based on the payment request received by the payment reception unit 111a, and also performs an issuance process for issuing electronic value to be applied to the payment, and other value paid by the first user (for example, a second processing for a first conversion of converting electronic value) into electronic value.

For example, the issuance conversion processing unit 112 may cause the history storage unit 141 to store the history of issuance or first conversion of electronic value.

The issuance conversion processing unit 112 may transmit, for example, to an external system 400 such as a token system 400a, a request for issuing electronic value, or a request for converting other value paid by the first user into electronic value. The issuance conversion processing unit 112 may then receive the results of these requests from the destination external system 400.

[Movement Processing Unit]
The transfer processing unit 113 performs processing to transfer at least one of the electronic value issued by the processing of the issuance conversion processing unit 112 and the converted electronic value (e.g., a second electronic value) to a second user based on a payment request accepted by the payment acceptance unit 111a.

For example, the transfer processing unit 113 performs processing for transferring electronic value from the second user to a third user, either directly or via one or more users, based on a request from a second user who holds electronic value. You may go. This "second user's request" may be, for example, a payment request for payment between the second user who is the payment source and the third user who is the payment destination.

For example, the movement processing unit 113 may cause the history storage unit 141 to record the history of movement of electronic value.

[Conversion Processing Section]
The conversion processing unit 114 performs processing for the second conversion based on the conversion request received by the conversion receiving unit 111b.

[Notification section]
The notification unit 115 notifies the user (user device 200) of various information. The notification unit 115 may notify the user of various information in any manner. For example, the notification unit 115 may transmit a data file or a message indicating various information to the user device 200. As another example, the notification unit 115 may transmit a push notification notifying various information to the user device 200 and display the message on the screen of the user device 200, or may output various information on the screen of a website or app provided by the value circulation system 1 or the like. The notification unit 115 may include, for example, a first notification unit 115a and a second notification unit 115b.

[First notification department]
The first notification unit 115a sends a notification to the effect that at least a portion of the difference will be collected from the third user on the condition that the second conversion is performed before the second payment processing unit 117b performs the collection process. 3 Notify users. The timing at which the first notification unit 115a notifies the third user may be, for example, when electronic value is transferred from the second user to the third user.

There is a possibility that the electronic value is transferred without the third user knowing that the difference will be collected by performing the second conversion, but in that case, it will be a surprise to the third user. According to the above configuration, the first notification unit 115a can notify the third user that at least a portion of the difference will be collected on condition that the second conversion is performed, thus preventing such a surprise attack. can do.

[Second Notification Department]
The second notification unit 115b notifies the user who holds the electronic value that the securities processing unit 122 has issued a fee bond certificate.

If the second or third user to whom the fee claim has been transferred is traded without the user knowing that the fee claim has been issued and the fee claim is exercised by the trading partner, it would be a surprise for these users. With the above configuration, the second notification unit 115b can notify the user that a fee claim certificate has been issued, thereby preventing such surprises.

[Measurement section]
The measurement unit 116 measures the holding period of electronic value among users who hold electronic value, including the second user, based on the history recorded in the history storage unit 141. For example, the measurement unit 116 may measure the holding period of the transferred electronic value in users to whom the electronic value is transferred, including the second user.

[Payment processing section]
The payment processing section 117 includes a first payment processing section 117a, a second payment processing section 117b, and a third payment processing section 117c. The manner of fee settlement processing performed by the settlement processing unit 117 may be, for example, as follows.
・In addition to the consideration for issuance, transfer, or conversion of electronic value, it will be collected at the time of payment of these fees.
- Collecting fees from issued, transferred or first converted electronic value or other second converted value;
・Recover tokens held by users and collect fees.
- If the deposit from the user is in the account of the circulation provider, the handling fee will be deducted from the deposit and collected.

[First settlement processing unit]
When the issuance/conversion processing unit 112 performs processing, the first settlement processing unit 117a deducts a part or all of the fee for issuing electronic value or the first conversion, and performs part of the settlement processing for this fee.

[Second settlement processing unit]
The second settlement processing unit 117b, when processing for a second conversion based on a conversion request for electronic value held by the second user, performs processing to collect at least a portion of the amount deducted from the fee from the second user as part of the fee settlement processing.

According to the above configuration, the second settlement processing unit 117b can make the second user who requested the second conversion of the electronic value bear the fees incurred by the issuance of the electronic value and the first conversion. Therefore, in addition to the first user who requested the issuance of the electronic value or the first conversion, which promotes the circulation of the electronic value, or the second user who requested the second conversion of the electronic value, rather than the first user, can bear the fees incurred by the issuance or the first conversion. Therefore, it is possible to promote the circulation of the electronic value while collecting fees related to the circulation of the electronic value.

For example, during processing for second conversion based on a conversion request for electronic value held by a third user, the second settlement processing unit 117b may collect at least a portion of the difference as part of the fee settlement processing. You may perform processing for collecting money from the third user.

The second settlement processing unit 117b may, for example, perform processing to collect at least a portion of the deduction from the second user as part of the fee settlement processing based on the transfer information.

According to the above configuration, even if the electronic value to be circulated in the value circulation system 1 is issued externally, the second settlement processing unit 117b issues and receives a claim for the issuance fee, and transfers the issuance fee to the electronic value. can be collected from the second user who has performed the second conversion. Therefore, it is possible to provide variation to the electronic value circulated in the value circulation system 1, collect fees, and promote the distribution of electronic value.

[Third settlement processing unit]
The third settlement processing unit 117c performs processing to collect at least a portion of the balance from users who hold the electronic value, including the destination user, as part of the fee settlement processing, based on the holding period measured by the measurement unit 116.

According to the above configuration, the third payment processing unit 117c can collect at least a part of the fee for issuance of electronic value or first conversion from a user who has held electronic value for a long period of time. Therefore, it is possible to encourage users to circulate tokens instead of continuing to hold them.

For example, when the holding period of the electronic value exceeds the threshold set by the setting unit 119, the third settlement processing unit 117c receives a request from the user who holds the electronic value for the difference as part of the fee settlement process. Processing may be performed to collect at least a portion.

Now, with reference to FIG. 12, an example of the process of collecting fees related to the value circulation system 1 will be described. In this example, the fee incurred when issuing a token (hereinafter, also referred to as the "issuance fee") will be used as an example.

When the issuance conversion processing unit 112 performs the issuance processing, the first settlement processing unit 117a, for example, charges a portion of the issuance fee (in this example, 500 yen) for issuance of electronic value (in this example, 400 yen). ) will be deducted, and the issuance fee (100 yen) will be settled after this deduction. The difference may, for example, be temporarily compensated (or transferred) by the recycling company. Note that the first settlement processing unit 117a may collect an issuance fee (100 yen) to be settled from among the issued or first converted electronic values.

When the token holding period exceeds a set threshold, the third settlement processing unit 117c determines that the token is hoarded and performs processing to collect at least a portion of the deduction (250 yen in this example) from the user as part of the settlement process for the issuance fee.

When the second conversion process is performed to convert the tokens into cash, the second settlement processing unit 117b performs processing to collect at least a portion of the deduction (400 yen - 250 yen = 150 yen) from the second user as part of the settlement process for the issuance fee.

In the value circulation system 1, for example, during the second conversion process, a second conversion fee may be generated in addition to the issuance fee. In this case, the second settlement processing unit 117b performs a second conversion fee settlement process during the second conversion process.

[Calculation part]
The calculation unit 118 calculates a distribution velocity indicating the number of times the electronic value has been moved as a whole in a set past period, based on the history of movement of the electronic value. This "entire electronic value" may include, for example, all electronic value circulating within the value circulation system 1 (in other words, electronic value transferred within the value circulation system 1), or may include the range of distribution and electronic value. The transfer may be further limited by predetermined conditions including the type of electronic value, etc., and all transferred electronic values among the limited electronic values may be targeted.

[Settings section]
The setting unit 119 sets a threshold value for collecting a fee for the holding period of electronic value based on the distribution speed calculated by the calculation unit 118.

[Transfer Request Section]
Based on the result of the issuance request or the result of the first conversion request received by the issuance conversion processing unit 112 from the external system 400, the transfer request unit 120 sends to the external system 400 a request for the issuance of electronic value or the transfer of the claim for the first conversion fee generated by the external institution that operates the external system 400.

[Acquisition section]
The acquisition unit 121 acquires, from the external system 400 that has received a request for the transfer of the fee claim from the transfer request unit 120, transfer acceptance information indicating that the external institution accepts the transfer request.

[Securities Processing Division]
The securities processing unit 122 performs processing to issue securities for the fee claim based on the securitization request accepted by the securitization accepting unit 111c. In addition, when a fee claim for which a deduction is collected by the second settlement processing unit 117b or the third settlement processing unit 117c is securitized, the securities processing unit 122 cancels the collected fee claim securities.

[Identification Department]
When the identity verification unit 123 receives a request for user registration or a payment request, it performs identity verification of the user based on the user information.

[Detection unit]
Upon receiving the confirmation request, the detection unit 124 detects fraud, such as an unauthorized user registration request, based on the user information.

[Evaluation Department]
The evaluation unit 125 evaluates a risk regarding the user registration based on the result of the identity verification, the result of fraud detection, and the user information. The evaluation unit 125 evaluates whether or not to permit the user registration based on the evaluated risk.

[Registration section]
The registration unit 126 registers the results of each of the processing steps, namely the result of confirmation by the identity verification unit 123, the result of detection by the detection unit 124, and the result of evaluation by the evaluation unit 125, in the history memory unit 141 in association with the user information as a history of user registration confirmation.

The registration unit 126 registers the history of issuance, movement, first conversion, or second conversion of electronic value, or the history of payments and settlements based on these, in the history storage unit 141 as electronic value history information.

[Communication Department]
The communication unit 130 transmits and receives various information such as payment requests, conversion requests, and electronic value information to and from each device of the user device 200 and the external system 400 via the network N.

[Storage]
The storage unit 140 stores various information related to the value circulation system 1 including token information. The storage unit 140 includes a history storage unit 141 and a user storage unit 142. The storage unit 140 may store each piece of information using a database management system (DBMS) or may use a file system to store each piece of information. When using a DBMS, the storage unit 140 may provide a table for each piece of information and manage each piece of information by associating the tables.

The history storage unit 141 stores electronic value history information. The user storage unit 142 stores user information.

<4. Operation example>
An example of the operation of the value circulation system 1 will be described with reference to Fig. 13. Fig. 13 is a sequence diagram showing interactions in transactions from input of a settlement request for payment by electronic value by a first user to conversion of the electronic value to cash by a second user at the transfer destination. In this example, an example in which the electronic value is a token type will be described. Note that the order of the processes shown below is an example and may be changed as appropriate.

As shown in FIG. 13, the first user device 200a accepts input of a payment request for a payment between the first user, who is the payer, and the second user, who is the payee, from the first user (S10). The first user device 200a transmits this payment request to the server device 100 (S11).

The payment acceptance unit 111a of the server device 100 accepts the payment request from the first user via the first user device 200a (S12). The issuance conversion processing unit 112 performs an issuance process for issuing electronic value to be appropriated to the payment based on the payment request (S13). During this issuance process, the first settlement processing unit 117a deducts a portion from the fee for issuing the electronic value and performs a part of the settlement process for this fee (S14). In this example, 50 yen is deducted from the fee of 200 yen, and settlement processing is performed for the remaining fee of 150 yen. In other words, the deduction of the fee is 50 yen. Based on the payment request, the transfer processing unit 113 transmits information on this electronic value to the wallet application of the second user device 200b of the second user as a process for transferring the issued electronic value to the second user. The wallet application of the second user device 200b receives the transmitted electronic value and stores it in the wallet. In this way, the server device 100 transfers the issued electronic value to the second user and performs the payment.

When the second user inputs a conversion request for a second conversion to convert the electronic value transferred from the second user into another value, each device of the value circulation system 1 converts the composite fragment opt1 (Option1) Execute the process in the area indicated by . Specifically, first, the second user device 200b receives the input of this conversion request (S17). The second user device 200b transmits this conversion request including information on the electronic value to be converted (recovered) to the server device 100 (S18).

The conversion reception unit 111b of the server device 100 receives the conversion request from the second user via the second user device 200b (S19). Based on the conversion request, the conversion processing unit 114 performs a second conversion process to collect the converted electronic value from the second user device 200b and to instruct the specified account to pay using the other converted value. The information is sent to the financial server 410b (S20). During the second conversion process, the second payment processing unit 117b performs processing to collect the difference (50 yen) deducted from the fee from the second user as part (remaining) of the fee payment process ( S21).

<5. Hardware configuration>
With reference to FIG. 14, an example of a hardware configuration when the above-described server device 100 is implemented by the computer 800 will be described. Note that the functions of each device can also be realized by dividing into a plurality of devices.

As shown in FIG. 14, the computer 800 includes a processor 801, a memory 803, a storage device 805, an input I/F unit 807, a data I/F unit 809, a communication I/F unit 811, and a display device 813.

Processor 801 controls various processes in computer 800 by executing programs stored in memory 803. For example, each functional unit included in the control unit 110 of the server device 100 can be implemented as a program that is temporarily stored in the memory 803 and mainly operates on the processor 801.

The memory 803 is a storage medium such as a RAM (Random Access Memory). The memory 803 temporarily stores the program code of the program executed by the processor 801 and data required when the program is executed.

The storage device 805 is a non-volatile storage medium such as a hard disk drive (HDD) or a flash memory. The storage device 805 stores an operating system and various programs for implementing each of the above configurations. In addition, the storage device 805 can also store tables for registering electronic value history information and user information, and a DB for managing the tables. Such programs and data are loaded into the memory 803 as necessary and are referenced by the processor 801.

The input I/F unit 807 is a device for receiving input from the user. Specific examples of the input I/F unit 807 include a keyboard, a mouse, a touch panel, various sensors, and wearable devices. Input I/F section 807 may be connected to computer 800 via an interface such as a USB (Universal Serial Bus).

The data I/F unit 809 is a device for inputting data from outside the computer 800. A specific example of the data I/F unit 809 is a drive device for reading data stored in various storage media. The data I/F unit 809 may be provided outside the computer 800. In that case, the data I/F unit 809 is connected to the computer 800 via an interface such as a USB.

The communication I/F unit 811 is a device for performing data communication via the Internet N, either wired or wirelessly, with devices external to the computer 800. The communication I/F unit 811 may be provided external to the computer 800. In that case, the communication I/F unit 811 is connected to the computer 800 via an interface such as a USB.

The display device 813 is a device for displaying various types of information. Specific examples of the display device 813 include a liquid crystal display, an organic EL (Electro-Luminescence) display, and a display of a wearable device. The display device 813 may be provided outside the computer 800. In that case, the display device 813 is connected to the computer 800 via, for example, a display cable. In addition, when a touch panel is used as the input I/F unit 807, the display device 813 can be configured as an integral part of the input I/F unit 807.

The above-mentioned embodiment is an example for explaining the present invention, and is not intended to limit the present invention to only this embodiment. Furthermore, the present invention can be modified in various ways without departing from the gist of the invention. Furthermore, a person skilled in the art can adopt an embodiment in which each element described below is replaced with an equivalent one, and such an embodiment is also included in the scope of the present invention.

Further, the components included in the server device 100 described in the above embodiments are such that a program stored in the storage device 805 is executed by the processor 801, so that predetermined processing can be performed in cooperation with other hardware. shall be realized. In other words, these components are assumed to be both software or firmware and corresponding hardware, and in both concepts, they are referred to as "functions", "means", "units", "processing circuits", It is also described as a "unit" or "module," and can be read as either of these terms.

[Modified example]
Although the present invention has been described based on the above embodiments, the following cases are also included in the present invention.

[Modification 1]
A part or all of the functional units included in the control unit 110 of the server device 100 according to the above embodiment may be included in the user device 200. For example, some functions of the issuance conversion processing unit 112, movement processing unit 113, and conversion processing unit 114 of the server device 100 may be implemented in the wallet application of the user device 200.

[Modification 2]
In the embodiment described above, an example has been described in which a wallet application is used as a place for registering and managing electronic value, but the place for registering and managing electronic value according to the present invention is not limited to this. For example, the server device 100 may have a wallet function (hereinafter also referred to as "online wallet") that can be used in an online environment. Each user's electronic value may be registered and managed using this online wallet.

[Modification 3]
In the embodiment described above, an example has been described in which the server device 100 is provided with a history storage unit that stores electronic value history information, but a device other than the server device 100, for example, a device of the external system 400 may be provided. In this case, when referring to the history storage unit provided in the device of the external system 400, for example, an API implemented by this device for the reference may be used, or an API such as a scraping model etc. May be accessed remotely.

DESCRIPTION OF SYMBOLS 1...Value circulation system, 100...Server device, 110...Control unit, 111a...Payment acceptance unit, 111b...Conversion acceptance unit, 112...Issuance conversion processing unit, 114...Movement processing unit, 114...Conversion processing unit, 117a...th 1 settlement processing unit, 117b...second settlement processing unit, 130...communication unit, 140...storage unit, 200...user device, 800...computer, 801...processor, 803...memory, 805...storage device, 807...input I/ F section, 809...Data I/F section, 811...Communication I/F section, 813...Display device.

Claims (9)

A payment receiving unit that receives a payment request for making a payment between a first user who is a payment source and a second user who is a payment destination from the first user or the second user;
an issuance/conversion processing unit that performs at least one of a process for issuing electronic value to be appropriated to the payment based on the payment request and a process for a first conversion that converts another second value paid by the first user into the electronic value;
a first settlement processing unit that, when performing the processing by the issuance/conversion processing unit, performs a part of a settlement process of the fee by deducting a part or all of a fee for the issuance of the electronic value and the first conversion;
a transfer processing unit that performs processing for transferring at least one of the issued electronic value and the converted electronic value to the second user based on the payment request;
a conversion receiving unit configured to receive a conversion request for a second conversion of converting the transferred electronic value into another third value when the second user issues the conversion request;
a conversion processing unit that performs processing for the second conversion based on the conversion request;
and a second settlement processing unit that performs processing for collecting at least a portion of the amount deducted from the fee from the second user as part of a settlement processing of the fee during the processing for the second conversion.
Information processing device. The transfer processing unit is configured to transfer the electronic value from the second user to a third user, directly or via one or more users, based on a request from the second user who holds the electronic value. process,
The conversion reception unit accepts the conversion request when the third user makes a conversion request for the second conversion of the transferred electronic value;
The second payment processing unit performs processing for collecting at least a portion of the difference from the third user as part of the fee payment processing during the processing for the second conversion.
The information processing device according to claim 1. a first notification unit that notifies the third user that at least a part of the balance will be collected from the third user on condition that the second conversion is performed before the process for collecting is performed by the second settlement processing unit when the electronic value is transferred to the third user,
The information processing device according to claim 2 . the transfer processing unit stores a history of the transfer of the electronic value in a history storage unit, and the issuance/conversion processing unit stores a history of the issuance of the electronic value or the first conversion in a history storage unit;
a measurement unit that measures a holding period of the electronic value for a user who holds the electronic value based on the history;
and a third settlement processing unit that performs processing to collect at least a portion of the deduction from the user as part of a settlement process of the fee based on the holding period.
The information processing device according to claim 1 . a calculation unit that calculates a distribution velocity indicating the degree of movement of the entire electronic value in a set past period based on the movement history;
further comprising a setting unit that sets a threshold for collecting the fee for the holding period of the electronic value based on the distribution speed,
The third settlement processing unit is configured to collect at least a portion of the difference from the user who holds the electronic value as part of the fee settlement process when the holding period of the electronic value exceeds the threshold. Processing for collection;
The information processing device according to claim 4. The electronic value is issued in an external system operated by an external institution,
the issuance conversion processing unit transmits, to the external system, a request for issuance of the electronic value, or a request for a first conversion of the second value paid by the first user into the electronic value, and receives a result of the request from the external system;
an assignment request unit that transmits a request for assignment of a claim for the fee for the issuance or the first conversion generated at the external institution to the external system based on a result of the request;
and an acquisition unit that acquires, from the external system, transfer information indicating that the external institution accepts the request;
The second settlement processing unit performs a process for collecting at least a portion of the deduction from the second user as a part of the settlement process of the fee based on the transfer information.
The information processing device according to claim 1 . a securitization reception unit that receives a request for securitization of the fee claim from the fee creditor;
a securities issuing department that performs processing to issue securities for the receivables based on the securitization request;
a second notification unit that notifies a user who holds the electronic value that the security has been issued;
The information processing device according to any one of claims 1 to 6. to the computer,
A payment acceptance function that receives a payment request for making the payment from the first user or the second user regarding the payment between the first user who is the payment source and the second user who is the payment destination;
A process for issuing electronic value to be applied to the payment based on the payment request, and a first conversion process for converting another second value paid by the first user into the electronic value. an issuance conversion processing function that performs at least one of the following;
a first settlement processing function that performs part of the processing of settling the fees by deducting part or all from the fees for the issuance of the electronic value and the first conversion during the processing by the issuance conversion processing function;
a transfer processing function that performs processing for transferring at least one of the issued electronic value and the converted second electronic value to the second user based on the payment request;
a conversion reception function that accepts the conversion request when there is a conversion request from the second user for a second conversion to convert the transferred electronic value to another third value;
a conversion processing function that performs processing for the second conversion based on the conversion request;
A second settlement processing function that performs processing for collecting at least a portion of the difference deducted from the fee from the second user as part of the fee settlement process during the processing for the second conversion. and make it come true.
program. The computer is
Regarding a payment between a first user who is a payment source and a second user who is a payment destination, receiving a payment request for making the payment from the first user or the second user,
Based on the payment request, perform processing to issue electronic value to be applied to the payment;
Based on the payment request, perform processing for a first conversion of converting another second value paid by the first user into the electronic value,
During the processing, part or all of the fees for the issuance of the electronic value and the first conversion are deducted to perform part of the processing for settling the fees;
Performing processing for transferring at least one of the issued electronic value and the converted second electronic value to the second user based on the payment request,
If there is a conversion request from the second user for a second conversion to convert the transferred electronic value to another third value, accept the conversion request,
performing processing for the second conversion based on the conversion request;
During the process for the second conversion, as part of the fee settlement process, perform a process for collecting at least a part of the difference deducted from the fee from the second user;
Information processing method.

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