KR20150128636A - Money tracking and locking by IP money - Google Patents

Abstract

The present invention provides a method for realizing electronic money in an IP call type to easily track money and limit a money purpose. Costs of issuing and maintaining money are even more economical than costs of issuing and maintaining the existing money. People are induced to use money of the present invention instead of the existing money by paying interest of deposits for IP money different from the existing electronic money. Each account book of each market participant is reliably written to prevent plunder transactions between transaction people directly involved and prevent financial crimes.

Description

Tracking funds by IP currency and limiting the use of funds {Money tracking and locking by IP money}

FIELD OF THE INVENTION The present invention relates to fund tracking and a method for restricting the use of certain funds.

Conventional bills and coins issued by governments or central banks are not only costly to issue and manage, but also cause theft and loss, and it is not easy to trace illegal funds. Even if the account holder or the executive arbitrarily change the funds whose purpose is designated to be used for a specific purpose in advance, there is no technical scheme to prevent this beforehand, and only a follow-up audit is required.

On the other hand, with the development of Internet technology, Web objects, which are web applications that serve web pages as web application functions, are popularized. The web object enables a web page to perform functions that conventional computer software or a program performs, and converts a PC environment in which a conventional program resides to a web environment.

In addition, the new Internet address system, including IPv6, is expanding its use for various purposes besides the original purpose of filling out exhausted IP addresses.

With the development of web technology, electronic money mechanism that allocates web objects to perform a monetary function on a unique IP address is emerging.

Korean Patent No. 1009228110000 Monetary tracking system and method Korean Patent No. 1015341460000 Method of Generating Bit Money and Introducing a Service System

The conventional method of issuing and distributing money on the basis of an IP address is to merely convert existing money into electronic money based on an IP address and thus can not pay interest on the electronic money. Therefore, there is not a clear incentive for the public to use the electronic money in place of the existing currency, and each transaction party must record the contents of the transaction using the electronic money as the payment means, thereby causing a reliability problem of the recording.

In order to solve the above-described problem, the present invention provides a method and system for managing IP money by using IP money, which is an electronic money of a web object type assigned to an IP address, in addition to remarkably reducing the conventional money issuing and maintenance cost, By establishing an incentive for the public to use the new electronic money instead of the conventional currency by securing an income source for paying the deposit interest of the IP currency from itself and by setting up an incentive for the public to use the new electronic money in a special form market The history of the use of one IP currency is recorded in accordance with the sixth principle to the Web object expressing the IP currency so that the financing can be easily traced at the end, It is not possible to use it for the purpose, and it is to secure reliable transaction recording method.

In a web-based system including a control device module having a unique IP address, a currency module, a money module, a market module, an account module, and a financial statement module, a web object having a function unique to each of the addresses is allocated , The control device issues an IP currency belonging to one currency unit, records the IP currency and other assets in the account, issues a floating currency to which the currency function is assigned by dividing the value of the account, Based market in which the fixed currency and the floating currency are used as payment means to open and operate a web-based market for trading other assets, and through the market, the deposit interest to be paid by the issuer of the IP currency to market participants having the IP currency The market participants are motivated to use the IP currency of the present invention, and the control device restricts the use of the funds and the specific funds Is able to achieve the objective.

The use of the computer can be controlled by a computer connected to the web so that the issuance and maintenance cost of the money can be reduced, the fund can be easily tracked, and the specific funds including the national budget can not be used for purposes other than the purpose.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a diagram for explaining a relationship between program modules constituting an apparatus of an embodiment of the present invention; FIG.
2 is an exemplary diagram of a method for specifying a unit of currency.
3 is a diagram illustrating a process of issuing an IP phone call.
4 is a diagram showing a form of a financial statement assigned to an account.
5 is a diagram showing the relationship between an account state, an account, and an IP currency.

An issuance and operation method of an IP telephone by an IP telephone issuing organization, which is an apparatus for explaining the concept of the present invention, and an apparatus to which the method is applied will be described in detail with reference to the accompanying drawings.

In this specification, the expression 'web object' refers to a program and data on a web server that can communicate with other web pages, sites, devices, and people using a standard Internet protocol, including web pages, And is typically a web application written in HTML5 technology.

In addition, money and currency are used in the same sense, and the market refers to a commerce system on a web server in which the control apparatus of the present invention is opened and operated.

The IP currency issuing organization, which is an apparatus of the embodiment to which the concept of the present invention is applied, includes a control unit module, a money module, a currency unit module, an account module, a financial statement module, a market module, Each of the modules has a unique IP address and is a web object through which an account holder holding an IP currency can communicate through his or her account. The web object can be a control device, money, currency unit, account, financial statement, And the respective contents of which are described in detail in this specification, the control device controls the above-mentioned other modules to issue an IP currency, register an account note, open an account thereof, Establishes a market in which various commodities are traded, and manages and supervises all kinds of transactions such as registering transactions in the market in the accounts of the trading partners and IP telephones. In addition, the control device pays interest to holders of IP currencies, supervises whether other modules comply with pre-established rules, decides whether a particular account state and its account should be resold, In addition to the normal roles performed by conventional banks, including identifying the errors recorded in the account, responding to the errors found, and including how to issue and use the currency, Provide market-related services.

The IP-currency issuing institution performs the same function as a normal bank, and performs an additional function to which the unique concept of the present invention is applied. The IP-currency issuing organization includes a control unit module, a money module, a currency unit module, , Financial statement module, and market module are each expressed as control device, money, currency unit, account, financial statement and market, and IP currency is a combination of fixed currency and floating currency.

1, when a person who wants to use an IP telephone or an account holder accesses a control device of an IP telephone issuing organization and requests opening of an account, the control device creates an account having a unique IP address, To establish an intermediary for communication between the account holder and the controller, and the account holder who created the account must communicate with other modules including the controller through his or her account.

When the account holder deposits the national currency including Korean won into his or her account, the control device issues an IP currency corresponding to the deposit amount of the national currency to the specific currency units generated in advance, pointer. For example, when an account holder deposits a Korean won of KRW 1,200, the control device issues a currency unit corresponding to KRW 1,000 and a currency unit corresponding to KRW 200 to issue an IP money expressed as a unique IP address and a Web object And transfers the pointer to the account, and the account records an IP call of 1,200 won as a balance. In this specification, a pointer means a pointer variable, and an IP address at which a specific web object is located is used as the pointer.

The account holder may use the IP currency in a manner similar to conventional electronic money, but only in transactions where other account shares are traded in the market established by the control device, According to the principle, it is recorded in each of the accounts of the account participating in the transaction and the IP currency functioning as a payment method. The goods traded in the market are divided into financial products and non-financial products. Each of the products is an asset recorded in a financial statement of a specific account. The selling price is set as the book value, and the price can be changed by auction Do.

Unlike ordinary electronic money, the IP telephony of the present invention is paid interest, and the way in which the control device obtains the income to cover the interest expenditure depends on the market established and operated by the control device, and more specifically, The module includes fees or interest incurred by providing 'immediate value realization' services to market participants.

Hereinafter, the above-mentioned summary will be described in detail.

A currency unit is a unit in which a control device issues an IP call, and each has a unique IP address and a web object. The control device converts a series of integers into hexadecimal numbers, expresses them as IP addresses accessible via the Web including IPv6, and assigns web objects to act as currency units to the IP addresses, Unit, and the generated currency unit performs a function of issuing and storing a series of fixed currencies.

With reference to Fig. 2, the above-mentioned contents will be described by way of example. The control device uses the 16 bits of the subnet ID area in its own IPv6 address represented by the Prefix area 48 bits to determine whether the type of the web object allocated to the unspecified number of addresses represented by the interface ID, , And a specific type of asset. That is, when the subnet ID expresses a fixed call, the first eight bits of the 64 bits constituting the interface ID region are used to represent the nationality, and the next four bits are used to convert 16 decimal digits from 1 to 1,000 trillion 1, 2, 3, ..., 10, 20, 30, ..., 100, 200, 300 in total 16 bits by expressing the numbers from 0 to 9 in the third 4 bits. A total of 160 decimal digits of 9,000 digits can be set as the currency unit of the IP currency corresponding to Korean won.

To specify a specific IPv6 address to allocate a monetary unit Web object corresponding to Korean Won \ 3,000,000 won, assume that the country code of Korea is a decimal number 82, and convert it to hexadecimal number 52, decimal number 6, which means 1,000,000 decimal digits The address can be obtained by combining '5263', which combines the integer 3, with the prefix domain and subnet ID area, which is the first 16-bit interval of the interface ID, do.

Once the currency unit is configured, the currency unit may issue a fixed currency by adding a serial number to its IP address. In this specification, the term fixed currency means an IP currency whose denomination amount is fixed to a specific denomination. For example, the currency unit corresponding to the Korean won \ 3,000,000 won is the same as the first fixed currency \ 3,000,000 won generated by 5263 :: 1, the second 5263 :: 2, and the third 5263 :: 3 , It is possible to issue hundreds of fixed currencies belonging to the \ 3,000,000 denomination by allocating a new address, and since the total amount of the IP currencies that can be issued alone is more than several thousand times the total amount of the national currency in Korea, There is no fear of exhaustion. It should be noted that the fixed currencies are also expressed as unique IP addresses and Web objects, as will be described later.

In the present specification, when it is necessary to distinguish an IP telephone from other national telephone calls, a numerical value (#) is appended to the IP telephone number.

In summary, the control apparatus designates and generates a plurality of denominations, and each denomination issues a fixed currency in units of each of them in accordance with the instruction of the controller, and records the serial number thereof.

A fixed currency generated by a currency unit is exchanged at a ratio of 1: 1 with a national currency, and the exchanged national currency is used as a base asset, the exchanged amount is denominated denomination, the face amount is unchanged , And the name of the exchanged national currency is used as its title. In other words, fixed currencies are denominated in national currencies of each country, and include information about the base asset, issue date, owner, expenditure purpose, available place and time, and kept by the monetary unit do.

In the present specification, the expression denoting the IP currency may denote a pointer to the IP currency. For example, it should be noted that the meaning of an account holder holding or transferring an IP currency \ 100 may be interpreted to mean holding or delivering a pointer to a web object expressing the IP currency \ 100.

In this specification, 'national currency' means the public currency issued by the authoritative organization of the country, and Korean currency (\), Japanese yen, and US dollar ($) are examples of such national currency. In addition, 'denomination currency' refers to national currency representing the face value of any IP currency. For example, an IP currency denoting Korean Won can be expressed by prefixing the number signifying Korean won, such as \ 3,000 #, and adding a symbol (#) symbolizing IP currency after the number. 'National currency denomination' refers to the currency of each country, such as Korean won, Japanese yen, and US dollar. In addition, as described above, the 'fixed currency' means that the face value of the denomination is specified at the time of issuance and can not be changed in the future, as in the conventional currency, and the person who opened the account provides the national currency of the specific country to the IP- And the IP money that was issued as a benefit for it. Briefly, the control device obtains the national currency of each country, and in return, obtains the obtained national currency as the face value currency and provides the corresponding IP currency.

The term 'underlying asset' means a means of securing the value of an IP currency and means a set of valuable assets that an account holder has provided to the control device to obtain money from the control device. Typically, Is the national currency of Every IP call of the present invention necessarily has a base asset to prove its value and expresses it in a web object expressing each of the IP calls. For example, in the present specification, \ 3,000 # denotes an IP currency having a base currency of \ 3,000 Korean Won, and may be a Korean currency \ 3,000 provided to a control device and issued. The same applies to the national currency of other countries such as Japan and the United States. Further, in this specification, the name of the fixed call is the same as the name of the base call. For example, fixed currencies where the Korean Won \ 1,000 is the underlying asset are expressed as \ 1,000 #, and fixed currencies where the Japanese yen is the base asset is ¥ 1000 #. The soundness or value of the fixed currency that the control apparatus records in an account can be secured by the national currency acquired and stored by the control apparatus corresponding to the issued fixed currency. The control device records information including the national currency of each fixed call, the issue date, the issue place, the issuer, the issuance account, the expenditure purpose, the usable place and the time in the web object of each fixed call, The same is true of transferring ownership of a currency. For example, if an account holder who has provided the Korean Won \ 1,000 to the control device and the IP account \ 1,000 # has acquired the above account \ 1,000 # is returned to the controller and the Korean won \ 1,000 is withdrawn, # Is returned to the control unit or the currency unit module, and the record of the above process is stored.

Hereinafter, a process of opening an account and storing an IP call will be described.

3, an account holder who wishes to open an account in the control device of the present invention may be provided with information about himself / herself, such as a unique code representing a specific account note, such as nationality, a resident registration number or a corporation number, It is possible to provide information specified by the IP-currency issuing organization to the control apparatus, and open an account having a unique IP address and web object. When the account holder deposits the national currency including Korean won into the account, the controller transfers a pointer of the fixed currency corresponding to the deposit amount to the account attention account through the currency unit module and the account module. The fixed call can only be used within a market established and operated by the control device of the present invention and is incompatible with conventional financial systems. If the account holder has to convert his / her own fixed currency into a national currency, the conversion process is the same as the above example. That is, through the account module of the account holder, the control device requests the control device to convert a part or all of the fixed currency held by the account into the national currency of the specific country, and the control device transmits the fixed Deletes all or part of the currency and records the corresponding national currency in the account of the account. As will be described in detail below, an account account of an account also serves as a financial statement recording not only the IP currency of the present invention but also other national currencies and other assets, and the account holder can use his / Exchange currency to withdraw the national currency of a specific country.

The control device of the embodiment that explains the concept of the present invention issues an IP currency including a fixed currency and a variable currency, opens and operates a market for the circulation, opens an account of each account state, Information on the account state, the assets held by the account owner, and information on the transaction in which the account owner participated, are recorded in accordance with the six principles, and various rules applicable to the operation of the market and issuance and distribution of the IP currency are established and applied , ≪ / RTI >

The control device divides an IP address into three areas A, B, and C, the area A is an IP address of the control device, and the area B is an IP address of the control device An IP address of another module including an account, a currency unit, a fixed currency, a variable currency, a commodity, and a market, expresses a serial number of an element belonging to a specific module in an area C, Assigning a web object to perform a specific function to each of the IP addresses,

Particularly, when the area B represents the fixed currency, the area C is again divided into three areas D, E and F, so that the unique identification code of the national currency in the area D is divided into 0 to 9 And a serial number of a fixed currency belonging to a specific denomination in the area E is expressed by the number of digits and the number of decimal digits of the denomination of the denomination, And allocates a web object or a web object for performing a fixed money function to each of the IP addresses, and the control device designates and generates a plurality of denominations, A unit for issuing and storing a fixed currency as a unit and recording the serial number of the fixed currency as a unit and for exchanging the account of the account opened with the control unit with the national currency of a certain country, Temper a currency denomination, and the currency in which a fixed amount of exchange with a face value be issued from the control device, and the pointer variable and store it in his account, the total amount of the pointer variable is the balance of the account.

Referring to FIG. 4, the 'account' is opened by a control device at the request of a person to open an account. In one embodiment, the account type is expressed by some combination of 16 bits constituting the subnet ID in the IP address of the control device And can represent the IP address of an account in the interface ID field. The web object assigned to an account is a record of the IP currency, other national currency, and non-cash assets held by the account holder, and the financial statement module linked to the account is the International Accounting Standard Board (IASB) In accordance with accounting standards or principles, it is responsible for expressing the contents of the account in the form of financial statements, which may be a combination of manpower and manual accounting. Each account is itself a means of storing value, and can function as a whole, or as a divided currency, in a variable currency. In addition, the account may store information about the credit rating of the account holder in the form of a credit asset, and the control device and the account holder may designate the authority of the person who can browse, otherwise, the disclosure method or disclosure level for each record of the account. In the present invention, the control device is the only entity having the right to record information in the account, and controls the account module so as to transfer the contents of the transaction to the account of the transaction parties for transactions occurring in the market described below, Record in the form.

As described above, in the apparatus of the present invention, any one of the accounts also serves as a financial statement for recording assets, liabilities, and capital, as well as the fixed and variable currencies of the present invention, as well as all national currencies. It records not only the ownership change of the IP currency, but also the history of the ownership change of all the assets, and the mechanism is explained in detail in the following article.

The account holder is an economic unit that participates in the market established by the control device, and sells and sells other account shares and products by using IP currency as a payment means. One of the accounts is a web object having a unique IP address and is a channel through which the account share is communicated with the control device. The account is delegated authority from the account principal, and automatically processes a series of processes including purchase of goods, payment of money and transfer of funds Or manually, recording the process and results under the control of the control device, and managing the disclosure method and level of the record. Not only the account but also the specific assets specified by the account holder or control device also have a unique IP address and web object and can be determined by the current owner or potential owner or consumer of the asset, Information can be recorded in the web object. The assets represent information about themselves based on the unique format assigned by the name and type. For example, a car is a name, and goods belonging to it express their respective information in the same form throughout the world.

For example, a mechanism for reflecting the change in value of own assets in an account or financial statement is as follows. When the book value of one automobile recorded in one account is 1,000, And the average market price of the vehicles sold is $ 900 in a particular year or quarter, the book value of the automobile is automatically lowered to $ 900 at the end of the year or quarter and the difference between the original book value and the original book value is amortized or Can be processed at a cost. In addition, it is possible to guarantee the soundness of the recording by giving only the recording authority to the control device such as correcting, updating, creating, or deleting the information recorded in the web object of the account or the product. In summary, the controller controls the account module and the financial statement module to classify the fixed currency held by each account holder and the pointer variable representing the web object of the conversation currency and other assets into assets, liabilities, and equity, The pointer variables are described in the form of a financial statement in accordance with a specified accounting standard, the information about the account state is stored, and the account and the specific product And updates the contents of the web object in real time and defines the disclosure method and level of the contents.

Financial statements linked to an account account of an account include an income statement and a balance sheet, recording the account assets and liabilities as fair market prices, the account providing information in accordance with a cash flow statement, The detailed mechanism to be determined is established by the control device and applied to all accounts, regardless of region and nationality, indiscriminately. The method of preparation of the financial statements conforms to international accounting standards or accounting methods or standards specified by the control device, and may be prepared manually or by automatic programming by means of manpower.

In addition, a control device that controls the financial statement module assigned to each account can create a more rigorous record by cross-comparing transaction information between trading partners. For example, in the conventional method, since account partner A and account partner B, which are the transaction parties, produce accounting-related documents including financial statements independently of each other or applying different accounting principles and methods, In order to verify the rigor of accounting information, it is necessary to input the human resources and conduct the audit. However, the method of the present invention is such that the control device manages the analysis and recording of information about transactions between account holders, and the control device observes all the assets owned by the participating account holders and the movement of capital and liabilities Therefore, the risk of accounting mistakes and recording errors is greatly reduced. The way in which the Financial Statement Module creates financial statements is based on personnel or automated programs, and when recording an account transaction, the information about the account identity, such as an IT company, an electronics wholesaler, And the like, by referring to the web object allocated to the unique IP address of the account owned by the account holder, thereby making it possible to more accurately record the contents of the specific transaction. For example, if account holder A participating in the market purchases copier equipment from account holder B for \ 1000 won, the contents of the journal entry may be changed according to the identity of the accounts A and B described above. For example, if the account B is engaged in the production or distribution of copier equipment, the import is ordinary income. If the account B is an industry that is irrelevant to it, the import of B may be a special profit or loss. The expenditure can be an inventory purchase, the end user can be resigned as a property ratio, and the judgment of the financial statement module can be based on the information about the account state recorded in each account.

Assets and liabilities in these financial statements are presented in the form of IP currencies. In addition to ordinary equity items, credit assets are added as independent assets and their operations and dispositions are recorded in accordance with IFRS or designated accounting principles. The credit asset of an account is the difference between the net value of the asset recorded in the account and the total amount of variable currency issued based on the account described below.

In addition to the fixed currency, the 'floating currency', a form of IP currency, is the value of an account divided into the value of an IP currency. Like the fixed currency, each unique IP address and web object is expressed. For example, if the net value of an account is \ 1,000 in Korean Won, the account holder can represent the account as a variable currency \ 1,000 or issue a variable currency with a face value of \ 10. have. 'Variable currency', like fixed currency, is expressed as a unique IP and web object, but it does not belong to any monetary unit, and its value can be changed from time to time by various indicators of account financial statements that become base assets. And the face value represents the purchase right or the ability to pay. The variable currency of the present invention is similar to conventional stock corporation stock or asset securitization securities, but can function as a payment means for various transactions, and the face value thereof fluctuates in real time due to the change in assets recorded in the account, It differs from conventional securities in that it is expressed as an address and a web object. As will be described later, it should be noted that the fixed currency and the variable currency can be mutually switched in real time by the control device on the basis of the respective denomination amounts, and the account holder can not arbitrarily dispose of the assets recorded in the account issuing the floating currency .

In summary, the controller expresses the type of account with some combination of the regions B, expresses the serial number of an account belonging to a specific category in the region C, and transmits information about a transaction occurring in the market to the transaction And the information recorded in both accounts of the transaction is cross-verified to secure the accuracy of the record, and the account module and the financial statement module allocated thereto are controlled to control the manpower The financial statements prepared in accordance with the International Accounting Standards or a separate accounting method shall be prepared in accordance with the accounting method, All assets, including liquid assets and fixed assets, which specify methods and constitute assets, liabilities and equity, The assets represented by web objects having the same IP address and web object and having the unique IP address and the same name represent their respective information through a web object of a common form assigned to the name, The credit asset of an account is the difference between the net value of the account or the net asset and the total amount of the variable currency issued as the underlying asset, The account holder can not dispose of it arbitrarily and the account holder may not sell or purchase goods to the account holder in the market established by the control device, including his / her nationality and industry, To the account of the user, and can specify the disclosure level of the information with the control device, and the control device Cash assets are classified by type, quantity, grade, and year, and the prices of the non-cash assets traded in the market established and operated by the control device are referred to, To the fair market price (FMW) in real time.

The control unit manages all the IP currencies recorded in the account, and can transfer the ownership of one IP currency from one account to another, and for every currency issued, who owns what, when, where, And protects the web object expressing money from the risk of external hacking.

For example, the account holders A, B, and C deposit a Korean won of \ 500, \ 1,000 and \ 1,000 into their respective accounts, and received a fixed currency showing their face value in Korean won as their account Assuming the situation, the accounts of A, B and C have pointer variables for web objects expressing specific IP currencies \ 500 #, \ 1,000 #, and \ 1,000 #, respectively, Information about when, where and how the money was deposited in the accounts of A, B, and C is held.

As described above, a web object expressing a fixed currency may include information on expenditure usage, available place and time of the currency, and validity period and conditions of the restriction, , And can only be recorded or released by the control device.

5, the account holder C transfers the IP currency 500 # from the account of the account holder to the account of the account A, and the IP currency 100 won is transferred to the copying machine equipment purchase in Korea , IP currency \ 400 # will be designated as the purchase of computer parts from all over the world, and the withdrawal from the conversion into the national currency will be prohibited. Since the C only holds a pointer to the IP currency \ 1,000 #, the controller changes the pointer of the C # 1000 # to a pointer corresponding to the IP currency 500 #, 100 #, and 400 # The pointer to the IP call 500 # is stored in the account of C, and the pointer to the remaining IP calls 100 # and 400 # is transferred to the account of A by imposing the restriction and release condition .

Referring to FIG. 6, when the controller A is going to transfer the pointer variables to other account states when it spends the IP calls 100 # and 400 #, the control device determines that the expenditure requirement After determining whether the restrictions are met, the approval of the transfer can be used to prevent the embezzlement or usefulness of certain funds. For example, if A wants to use the \ 100 # to purchase copier fixtures outside of Korea, or to spend \ 400 # on purchasing assets other than a computer device, or to switch to a national currency If you try to withdraw, the control unit can block it in advance. The control device is the entity that manages the transfer of ownership of a specific IP call between account holders. Trading parties requesting transfer of ownership of other assets, including IP currencies, each convey the cause and reason for payment to the control device, Determines whether the usage condition imposed on the IP currency used for settlement can function as a means of payment for the transaction and, depending on the result, a pointer variable indicating a web object of a specific currency or asset Transfer the ownership of a specific currency or asset from one account to another in such a way as to transfer from one account to the other's account.

It should be noted that the account opened by the control device of the present invention records the ownership of all the assets as well as the IP currency and the national currency owned by the specific account holder, and the control device records and manages the ownership of the currency and the asset. Otherwise, in order to transfer the IP currency recorded in one account A to another account B, the ownership of the specific asset recorded in account B is transferred to account A or transferred to account A by the procedure and method specified by the gift or other law Thus, the control device can accurately grasp and record the reason for payment of a specific IP currency, and can update the transactional financial statements as soon as the transactions occur.

Unlike the existing currency issuing and operating methods of the present invention, the IP money of the present invention is stored by the control device without exception and records the use history of the IP money, so that the control device can inquire the history of the ownership of all the currencies , All forms of control and manipulation that can be implemented by computer and web technologies are possible and rules can be established and enforced about who, when, where, and how to view the usage history of a particular currency.

In summary, a web object expressing a specific IP call inquires about the issuance date, issue place, issuer and his / her account, expenditure purpose, available place and time of the IP call, availability of switching to the national currency, And the trading party who sells and sells the goods in the market of the present invention reports the reason for the purchase and the reason for the sale to the market module or the control device, and the market module or the control device records the authority of the transaction And judges whether or not the IP currency and the transaction goods exchanged with the IP money are transferred or not, and if the transaction Any person who wishes to update the relevant information in the financial statements of each authorized trading party in real time and to view information on the use history of a specific IP currency The review is a decision whether to allow viewing.

In the present specification, 'market' is a web object or a program module having a unique IP address, which is opened and operated by a control device, and is an online and offline place where a transaction is made by using the IP currency of the present invention as a payment means. Goods can be immediately realized by the mechanisms described below and the goods are expressed as Web objects with IP addresses that are individually or collectively unique and must be recorded in a single, And records information that may have a significant effect on whether or not to purchase, including a history of change of ownership, in a web object expressing itself, the recording process being supervised by the market, Or an error can be prevented from being included. For example, each of an automobile article and an insurance article can express various information about themselves by using a unique web object, and a product such as a pencil or gasoline is organized into a series of groups, Through a unique web object, the public can be provided with information about a particular commodity group, such as gasoline of grade A, characteristics and price of a pencil of class B, and the like. Unlike currency, the account holder can hold a real or real asset as well as a pointer variable to the product, and transfer of ownership can signify the legal and physical transfer of the asset. Not all products have a unique IP address and web object, which may be optional by the account holder and the control device.

An account holder may sell a series of goods, including labor, products, and financial products, to other account holders through a market module, provided that the settlement is by IP currency only, otherwise, in fixed and variable currencies . If the buyer makes a payment in a variable currency and the seller desires to receive the fixed currency, the control device takes over the variable currency and pays the fixed currency corresponding to the face value to the seller, and vice versa The same is true. That is, the fixed currency and the variable currency can be mutually switched in real time by the control device on the basis of their respective face value amounts.

The merchandise sold through the market module is described in advance as an asset or a liens in the seller's account and must obtain a sales authorization from the control device. After the sale, the ownership is transferred from the seller's account to the buyer's account, The process is recorded in the account of the seller and the buyer by the control device, and information about the seller is provided through the account of the seller, and the information includes the satisfaction of the buyer with respect to the specific goods of the seller, For each type of merchandise to be sold, buyers can be classified according to age, gender, nationality, education level, region, and point of purchase, and their respective degrees of satisfaction can be expressed. Unless otherwise, the control unit does not have an account opened, is not listed in the financial statements assigned to the account, or does not obtain a marketing authorization from the market module can not be registered in the market. In addition, all account holders in the market must provide the market module with sales and purchase reasons. For example, if account holder A purchases copier equipment from account holder B, account holder A must provide a reason for purchase such as fixtures and inventory, account holder B must provide a reason for selling such as selling a product or disposing of an idle asset, The buyer must submit the above reason to the control device at the time of purchase, at the time of registering the item to be sold in the commodity module. Thus, direct transactions between two trading partners that are not involved in the market are not possible, and the market may monitor the transaction price of individual commodities, collect and analyze abnormal trading, It is possible to block the possibility that the product is sold at a low price.

Commodities that can be sold through market modules include financial instruments such as labor, machinery, equipment, consumables, consumer goods and non-financial instruments such as savings, foreign exchange, currency currencies, credit cards, futures, derivatives, insurance and funds.

In summary, the market represented by the market module of the present invention is an IP currency as a payment means and can only participate in account transactions, and the goods registered in the market are individual or collective assets recorded in an account, Wherein the individual or collective asset has a unique IP address and a web object and each of the web objects includes a rating for the individual or aggregate asset and a satisfaction of the buyer, And the transaction of all goods must be approved for sale and / or purchase by the control device or market module, and the market module shall be provided with the transaction process and the result To the account of each of the trading partners and to search for abnormal transactions, It is possible to prevent dealing transactions.

The following explains the foreign exchange market of the market module.

For exchange between fixed currencies where the underlying assets are different, the market module provides the foreign exchange market function. The foreign exchange market module determines the exchange rate between two different national currencies in real time, and enables the account holder to convert the fixed currency acquired with the base currency as a base asset into a fixed currency with the other national currency as the base asset. For example, a person who has provided Korean won to a control device and acquires ownership of a fixed currency corresponding to its value, may convert some or all of the base assets of the fixed currency into Japanese yen through the foreign exchange market. Therefore, a fixed currency can be used as a payment means even between trading partners who use different national currency, and the account holder can express his or her account balance in denomination of national currency of the desired country as well as denomination currency. The financial statement module also applies the same accounting procedure for foreign exchange transactions as the other commodity transactions. The foreign exchange module also uses the foreign currency module to convert the fixed currency, which is used to change the base asset into the national currency of other countries, , And the difference between the selling price of the acquired national currency and the value paid by the foreign exchange module may be settled by an immediate value realization method described below. For example, if an account holder who wants to exchange an IP currency \ 1,000 # that has KRW 1,000 as a base asset with an IP currency corresponding to the Japanese yen is registered in the foreign exchange market as above, the foreign exchange module will calculate the exchange rate To the account holder immediately, and then the difference between the actual expenses paid by the foreign exchange module to purchase the paid-up yen-to-IP currency with the Korean won-based IP currency is settled.

In summary, the market module of the present invention establishes a foreign exchange market, enables the account holder to change the base asset of an IP currency held in real time, and allows the account holder to transfer a fixed currency, And can be withdrawn immediately.

Hereinafter, the variable currencies are supplemented and explained.

The market module provides a market for trading in variable currencies based on stocks or asset-backed securities. The floating currency is similar to the existing stock corporation stock concept, but its detailed functions are significantly different. The control device issues a floating currency upon request of the account and establishes and operates a market in which the floating currency is traded. The account holder can obtain the permission of the control device to issue a floating currency, collectively or dividing the whole value of the account, and exchange the fixed currency with the market, and the whole or divided value is converted into a unique IP Address, and web object, and records the face value of the exchanged fixed currency in chronological order, and can function as a payment means as in fixed currency. However, unlike fixed currencies, the control unit does not pay interest on variable currencies held by individual accounts.

As described above, assets recorded in an account issuing a floating currency can not be dismissed arbitrarily by the account holder and can only be disposed of in a manner specified by the controller. For example, if an account holder issuing a floating currency includes an automobile whose account has a fair market value of # 1,000 in his account, the automobile may be disposed of through the market of the present invention or may be removed from the account with a special loss In any case, the disposition follows the rules established by the controller and affects the face value of the making currency that makes the account an underlying asset.

In addition, the book value of non-cash assets recorded in the account is updated in real time by the market module. For example, if the book value of a particular asset held by an account is \ 1,000 # and reevaluated to \ 997 # through periodic appraisal, the controller collects the fixed currency \ 1000 # held by the account, The adjustment of the book value can be made by paying #, which also affects the face value of the variable currency with the account as the underlying asset.

Hereinafter, the term " immediate value realization " used in the present specification will be supplemented and explained.

In the market of the present invention, the appraisal price of all goods is basically the book price, and the selling method is basically auction. In addition, the value of a commodity registered in the market can be immediately realized. In other words, a commodity registered in the market of the present invention is immediately paid by the market module for the book price, treated as a loan to the seller, and a constant loan interest rate is applied until the payment amount is collected. For example, if a real estate registered at \ 1,000 # in his account is sold in the market of the present invention, the real estate is registered at the market with a price of \ 1,000 #, and at the same time, Sells the real property to the real consumer, withdraws the money paid by the market module, and withdraws the money from the seller's account when there is a shortage. By the above process, the interest income earned by the market module can be paid as interest on the fixed account balance of the account account holding the IP currency. In order to avoid the risk of inability of the market to recover the prepaid money, including the case where the difference between the price paid by the seller and the actual selling price is not settled, the market shall make certain assets listed in the seller's account as collateral You can set and limit the disposition. The process of selling inventory goods or assets in the market is the same. For example, an account holder who manufactures and sells copy paper of \ 1000 # worth per month realizes its value from the market as soon as the produced copy paper is registered as a commodity, and the difference between the actual sales amount in the future is settled in the manner described above . However, the unconditional provision of an asset to an account holder by an account holder is considered a gift, and a separate accounting method is applied accordingly.

In summary, the control device opens and operates a market with an IP currency as the payment means, and the market module can instantly realize the value of the goods sold in the market, The module is prepaid and can be paid back to the actual consumer for the prepaid amount and the interest therefrom. To this end, the specific assets recorded in the seller's account can be collateralized and the net value of an account The total assets of an account are the sum of the total assets of the account minus the total liabilities, and any one currency at any one time, in any of the national currencies And may be converted into a fixed currency corresponding to it by the market module, in which case the other products sold in the market The market module may accept the variable currency as its face amount and then make an immediate value realization method in which the difference between the actual selling price of the acquired variable currency and the face value paid by the market module is settled at a later time If the sum of variable currencies based on an account is greater or less than the net asset of the account, the difference is recorded as a credit asset in the account, and the assets of the account issuing the floating currency are to be disposed of at random The amount of the face value of the variable currency having the account as the base asset can be increased or decreased due to the disposal of the asset held by the account or the change in value or the acquisition of the new asset, Is established.

The balance of the individual account balance varies from time to time, but the sum of the IP currencies owned by all account holders is equal to the sum of the IP currencies issued by the controller, and unlike existing bills and coins, Since the control device holds all IP calls and Web objects asserting them, the above summation is always maintained. An IP currency owned by an account holder is basically regarded as a deposit, and interest is paid. The mechanism for determining interest payments is basically a cumulative averaging of balances and periods. For example, if the interest rate is 1% per annum and the IP call balance for the six months to one account is $ 1,000 and the balance for the remaining six months is $ 2,000, the interest to be paid to the account holder is (1,000 x 1/2 x 0.01 ) + (2,000 x 1/2 x 0.01).

The labor force is a set of value production capabilities provided by human resources, the description of which should be described in a unique IP address and web object of the human resource and, as with any other product, Quality evaluation of labor may be included. The value of the labor force held by a particular human resource must be registered as a human asset in his account and shall be stated in accordance with the valuation method established by the control device and specifically identified as Future Cash Flow ) Is a value converted into a present value (PV -Present Value), and the method of calculating the present value is established by a control device and can be applied to all human resources indiscriminately and collectively, The description of the labor sold is described in a web object assigned to a unique IP address that identifies the human resource and the labor force whose value is recorded in the account is traded on the market of the present invention like any other product, The value or the book price is updated in real time. The control device takes over some or all of the labor force held by a human resource at a book value and differentiates the difference between the actual sale price of the acquired labor force, otherwise, from the actual income of the human resource and the value paid by the control device Settle in one immediate value realization method. For example, if a specific account holder sells his or her workforce in the market of the present invention for 8 hours a day, 5 days a week for the next year, and the hourly value of the labor force described in the account account is # 1,000 won, , The difference between the value realized by the labor force in the future and the value paid by the control device is settled by the instantaneous value realization method described above can do.

Account holders can obtain fixed currencies by providing non-cash assets such as national currency, real estate, precious metals, stocks, bonds, and credit as collateral to the control device. For example, when an account holder accesses a market module of a direct control device and posts information on non-cash assets to be provided as collateral and the national currency, amount, interest rate and payment method to be procured on the market, Is immediately realized. For example, if an account with an auto interest rate of KRW 1,000 is set aside as a collateral for the Korean won at an annual interest rate of 5%, the market module will use the interest rate or the market module to calculate the bond The instantaneous value realization method described above can be applied by a method of instantly purchasing and then adjusting the amount and the interest rate until the actual purchaser goes out and obtaining a fixed currency using the won as the base asset. Of course, the account holder who issued the bond as collateral can not dispose of the asset as collateral.

The account holder can use his or her account as a payment account and receive the in-or-out type debit card and credit card from the control device and use it as a payment means in an online or offline business establishment where the account of the present invention is opened. The mechanism by which payment is paid from the account of the card user is as follows. If the IP call balance in the card user's account is sufficient for settlement, the market module withdraws the payment from the balance and transfers to the account of the seller, and if the balance is insufficient, After the payment is made, from the assets listed in the financial statements of the card user, assets with high liquidity or assets designated by the account share are set as collateral in sequence, and the payment proceeds of the market module And the account holder can not sell the assets set as collateral for the bonds.

The market module may purchase a portion of the bond product sold in the market of the present invention and cover a portion of the revenue with interest on other account deposits. For example, if one of the bond products in the market is sold at 70% within one month, the remaining 30% can apply an automatic transaction mechanism that the market module collectively purchases. The market module may perform the role of the seller as well as the role of the purchaser of various financial products. For example, a market may self-design and sell a new insurance product by benchmarking one insurance product that exceeds the yield of other insurance products, and pay the profits as deposit interest in fixed currency. The mechanism can be applied to all kinds of financial products including savings, futures, derivatives, insurance, and funds. In this way, an evaluation by an unspecified number of buyers of a specific financial product can be applied to purchase Or by reflecting on the sales strategy, it is possible to reduce the mistake of investing in insolvent financial products.

In summary, the control device provides interest corresponding to the balance in a fixed currency of each account with revenue generated by opening and operating a market, and the interest is paid to the buyer Or sellers, or provide immediate value realization services, and the account holder is required to value the value of the human assets he holds by converting the future cash flows from the human resources into current values in accordance with the rules established by the controller As in other assets, the book value is updated in real time by the asset revaluation mechanism, and the account holder can issue the bond with the secured asset as collateral, and the market module records the bond as immediate value And the market module is a credit card issued by the control device Immediately paying the settlement price, withdrawing the fixed currency or the variable currency from the account of the card payer, or selling the bonds whose security is set in the order of the credit assets, liquid assets, fixed assets, or account shares of the account It is possible to reduce the mistake of the market module investing in the insolvent financial product by reflecting the payment amount and the interest and reflecting the evaluation by the unspecified number of buyers of the specific financial product to the purchase or sales strategy of the market module for the financial product Thereby making it possible to more safely cover the interest cost on the fixed currency.

Account Note: A person who opened an account with an IP currency issuing institution to which the concept of the present invention is applied
Account: An IP currency issuing entity has a unique IP address as a web object that records goods and other values owned by a particular economic unit, including natural persons.
Control device: This is a central module that controls all the modules constituting the IP-currency issuing organization, and is a program expressed as a unique IP address and Web object.
Market: One of the modules that constitute an IP currency issuer. It is an IP currency as a payment method. It establishes and applies trading rules of all products, approves or rejects each transaction, It is a real-time re-evaluating module, which is expressed as a unique IP address and web object.
Financial Statement: A module assigned to an account that refers to a module that expresses the assets recorded in the account in financial statement format or financial statements prepared by the module according to the International Accounting Standards or the accounting standards designated by the IP currency issuer. It is asserted as an IP address and web object.
Currency Unit: As a unique IP address and web object assigned to a fixed amount of money to generate a series of fixed currencies, an IP currency issuing authority can specify various denominations by national currency.
Fixed Currency: Represents a specific national currency, has a fixed face value, is expressed as a unique IP address and web object, and records transactions.
Variable Currency: The value of an account is divided into monetary functions.
National currency: Official currency operated in a specific country.

Claims (1)

The control device of the embodiment that explains the concept of the present invention issues an IP currency including a fixed currency and a variable currency, opens and operates a market for the circulation, opens an account of each account state, Information on the account state, the assets held by the account owner, and information on the transaction in which the account owner participated, are recorded in accordance with the six principles, and various rules applicable to the operation of the market and issuance and distribution of the IP currency are established and applied , ≪ / RTI >

The control device divides an IP address into three areas A, B, and C, the area A is an IP address of the control device, and the area B is an IP address of the control device An IP address of another module including an account, a currency unit, a fixed currency, a variable currency, a commodity, and a market, expresses a serial number of an element belonging to a specific module in an area C, Assigning a web object to perform a specific function to each of the IP addresses,

Particularly, when the area B represents the fixed currency, the area C is again divided into three areas D, E and F, so that the unique identification code of the national currency in the area D is divided into 0 to 9 And a serial number of a fixed currency belonging to a specific denomination in the area E is expressed by the number of digits and the number of decimal digits of the denomination of the denomination, And allocates a web object or a web object for performing a fixed money function to each of the IP addresses, and the control device designates and generates a plurality of denominations, A unit for issuing and storing a fixed currency as a unit and recording the serial number of the fixed currency as a unit and for exchanging the account of the account opened with the control unit with the national currency of a certain country, Temper a currency denomination, and the currency in which a fixed amount of exchange with a face value be issued from the control device, the pointer variable and store it in his account, the total amount of the pointer variables, and the balance of the account,

The control device expresses the type of the account with some combination of the area B, expresses the serial number of the account belonging to the specific kind in the area C, and transmits information on a transaction occurring in the market to the party participating in the transaction And the information recorded in both accounts of the transaction is cross-verified to assure the accuracy of the record, and the account module and the financial statement module assigned thereto are controlled, Or by a programmatic method to prepare the financial statements describing the accountancy assets, liabilities and equity in international accounting standards or in a separate accounting method, and specifying the disclosure levels and methods of each of the information contained in the financial statements And all the assets, including liquid assets and fixed assets, which constitute assets, liabilities and capital, individually or collectively An asset having a unique IP address and a web object and represented by a web object of the same name expresses the respective information through a web object of a common form assigned to the name, the asset includes a credit asset, The credit asset of the account is the difference between the net value of the account or the net asset and the total amount of the variable currency issued as the base asset and the assets listed in the account issuing the floating currency are the account shares The account holder can not dispose of any information that may significantly affect the decision of other account states to sell or purchase goods to the account holder in the market established by the control device, including his nationality and industry, And the control device can designate the disclosure level of the information, and the control device is able to designate the disclosure level of the information registered in the entire account Non-cash assets are classified by type, quantity, grade, and year, and the amount of non-cash assets recorded in the web object of each account and the non-cash assets by referring to the prices of non-cash assets traded in the market opened and operated by the control device Real-time book-to-market price (FMW)

A web object expressing a specific IP call is a web object that can inquire the issuance date, the issuance place, the issuer and his / her account, the expenditure purpose, the usable place and time, the availability of switching to the national currency, And the trading party who sells and sells the goods in the market of the present invention reports the reason for the purchase and the reason for the sale to the market module or the control device, and the market module or the control device judges that the contents of the report are the settlement means Judges whether or not the IP currency and the transaction place to be exchanged therewith are transferred or not, and judges whether or not the transaction approved transaction The relevant information of each party's financial statements is updated in real time, and the authority of the person who wants to view the information on the history of use of the specific IP currency is judged And determines whether or not to permit viewing,

The market represented by the market module of the present invention uses an IP currency as a settlement means and can only participate in an account share transaction and a product registered in the market is an individual or collective asset recorded in an account, Wherein the individual or collective asset has a unique IP address and a web object, each of the web objects having a rating for the individual or aggregate asset and a satisfaction of the buyer, The seller must obtain sales and / or purchase approval from the control device or market module, and the market module shall provide the transaction process and the result to the transaction party By recording in each account and detecting the abnormal transaction, a looting transaction by either one of the trading partners It can be prevented,

The market module of the present invention establishes a foreign exchange market so that the account holder can change the base asset of the IP currency held in real time and the account holder can immediately change the fixed currency, Can be converted and withdrawn,

The control device opens and operates a market having an IP currency as a settlement means, and the market module can immediately realize the value of the goods to be sold in the market, and the method includes: The seller can then set aside the specific assets recorded in the seller's account as collateral, and the net value of an account as a whole, or And the net assets of one account are the amount of the total assets of the account minus the total liabilities, and any one currency at a certain point in time may be denominated in either national currency And may be converted into a fixed currency corresponding to it by a market module, in which case, as with other products sold in the market The instantaneous value realization method may be adopted in which the difference between the actual selling price of the variable currency acquired and the face value paid by the market module is later settled after the market module takes over the variable currency as its face value , If the sum of floating currencies based on one account is greater or less than the net assets of the account, the difference is recorded as a credit asset in the account, and the assets of the account issuing the floating currency can be disposed of at random The amount of the face value of the variable currency having the account as the base asset can be increased or decreased due to the disposal of the asset held by the account or the change in value or the acquisition of the new asset and the specific method and procedure are established by the control device And,

The control device shall pay the interest corresponding to the balance in the fixed currency of each account with the revenue generated by opening and operating the market, and the interest shall be paid by the market module to the buyer or seller Participation or the provision of immediate value realization, and the account holder converts the value of his personal assets into the present value of the future cash flow from the human resources, in accordance with the rules established by the controller, , And the book value is updated in real time by the asset revaluation mechanism like the other assets, and the account holder can issue the bond with the secured assets as collateral, and the market module records the bond as the method of immediate value realization And the market module is a payment module for the credit card issued by the control device Immediately withdraws fixed or variable currencies from the account of the card payer or sells the bonds for which the collateral has been set in the order of the credit assets, liquid assets, and fixed assets of the account, or the account shares, It is possible to reduce the mistake that the market module invests in the insolvent financial product by reflecting the purchase and sale strategy of the market module for the financial product by evaluating the unspecified number of buyers of the specific financial product, Thus, it is possible to more safely cover the interest cost of the fixed currency, thereby attracting the users of national currency issued or operated by the existing countries to the IP currency of the present invention, To prevent enforcement of illegal or illegal funds, and to ensure that certain funds are used for And issuing and operating the IP currency.

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