TW201822087A - Virtual currency system - Google Patents

Virtual currency system Download PDF

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TW201822087A
TW201822087A TW106138389A TW106138389A TW201822087A TW 201822087 A TW201822087 A TW 201822087A TW 106138389 A TW106138389 A TW 106138389A TW 106138389 A TW106138389 A TW 106138389A TW 201822087 A TW201822087 A TW 201822087A
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information
virtual currency
consumer
cash
value
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TW106138389A
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Chinese (zh)
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TWI771339B (en
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奥村拓史
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日商三菱總合研究所股份有限公司
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Abstract

A virtual currency system has an input unit 10 for inputting cash point information, a management device 100 for converting the cash point information on cash input from the input unit into virtual currency information on virtual currency and for managing the virtual currency information. The management device 100 decreases a value of the virtual currency according to a lapse of time. When the cash point information is cash information, the value of the virtual currency in the virtual currency information is higher than a value of a cash in the cash information.

Description

虛擬貨幣系統Virtual currency system

[0001] 本發明有關使用虛擬貨幣的虛擬貨幣系統。   [0002] 本申請案於2016年11月15日主張日本第2016-222327號專利申請案的權利,其全部於此併入參考。[0001] The present invention relates to a virtual currency system using virtual currency. [0002] The present application claims the benefit of Japanese Patent Application No. 2016-222327, filed on Nov.

[0003] 已有使用虛擬貨幣的嘗試。在諸如區域推廣優惠卷的虛擬貨幣的一般管理方面,虛擬貨幣是一次使用及收取以便不被再度使用。在此方面,其被視為在像是市政廳的公共機構的網站中的虛擬空間中使用虛擬貨幣,並嘗試解決亦已造成之該使用所伴隨的問題(見JP 2004-258969 A)。   [0004] 近年來已有嘗試實際使用虛擬貨幣且使用於此種虛擬空間。做為範例,亦考慮於日常生活中使用稱為比特幣(Bitcoin)的虛擬貨幣。[0003] There have been attempts to use virtual currency. In the general management of virtual currency such as regional promotion coupons, virtual currency is used and charged at one time so as not to be reused. In this regard, it is considered to use virtual currency in a virtual space in a website such as a public institution of the City Hall, and attempts to solve the problems associated with the use (see JP 2004-258969 A). [0004] In recent years, attempts have been made to actually use virtual currency and use it in such a virtual space. As an example, consider using virtual currency called Bitcoin in your daily life.

[0005] 另一方面,已採取用以模擬特別是針對區域推廣的經濟活動的種種途徑。   [0006] 本發明提供一種用於模擬經濟活動的虛擬貨幣的新用途。 問題的解決方案   [0007] [概念1]   一種根據本發明之一態樣的虛擬貨幣可包含:   輸入單元,用以輸入現金點資訊;   管理裝置,用以將來自該輸入單元的現金輸入的現金點資訊兌換成虛擬貨幣的虛擬貨幣資訊,以及用以管理該虛擬貨幣資訊,   其中,該管理裝置根據時間的流逝降低該虛擬貨幣的值,以及   其中,當該現金點資訊是現金資訊時,該虛擬貨幣資訊中的該虛擬貨幣的值為高於該現金資訊中的現金的值。   [0008] [概念2]   在根據概念1的該虛擬貨幣系統中,   該管理裝置可使用屬於第一消費者類別之消費者的第一兌換率將該現金點資訊兌換成該虛擬貨幣資訊,以及可使用屬於第二消費者類別之消費者的第二兌換率將該現金點資訊兌換成該虛擬貨幣資訊。   [0009] [概念3]   在根據概念1或概念2的該虛擬貨幣系統中,   該管理裝置可使用屬於第一消費者類別之消費者的第一貶值資訊來降低該虛擬貨幣資訊中的該虛擬貨幣的值,以及可使用屬於第二消費者類別之消費者的第二貶值資訊來降低該虛擬貨幣資訊中的該虛擬貨幣的值。   [0010] [概念4]   在根據概念2的該虛擬貨幣系統中,   屬於該第一消費者類別的該消費者可為國內消費者,   屬於該第二消費者類別的該消費者可為國外消費者,   該管理裝置可使用第一貶值資訊來降低該國內消費者之該虛擬貨幣資訊中的該虛擬貨幣的值,以及使用第二貶值資訊來降低該國外消費者之該虛擬貨幣資訊中的該虛擬貨幣的值,   該第二兌換率可大於該第一兌換率,   基於該第二貶值資訊的該虛擬貨幣的值的下降率可大於基於該第一貶值資訊的該虛擬貨幣的值的下降率。   [0011] [概念5]   在根據概念2至4中的任一者的該虛擬貨幣系統中,   屬於該第一消費者類別的該消費者可為國內消費者,   屬於該第二消費者類別的該消費者可為國外消費者,   該國內消費者的該虛擬貨幣資訊中的該虛擬貨幣的值可隨著時間的流逝逐步降低,以及   該國外消費者的該虛擬貨幣資訊中的該虛擬貨幣的值可在特定時間週期流逝後降到0。   [0012] [概念6]   在根據概念1至5中的任一者的該虛擬貨幣系統中,   該管理裝置可使用關於佣金的佣金資訊將該虛擬貨幣資訊兌換成該現金點資訊。   [0013] [概念7]   在根據概念6的該虛擬貨幣系統中,   該管理裝置可使用業主佣金資訊將該虛擬貨幣資訊兌換成業主的該現金點資訊,以及可使用消費者佣金資訊將該虛擬貨幣資訊兌換成消費者的該現金點資訊,且   根據該業主佣金資訊的佣金可低於根據該消費者佣金資訊的佣金。   [0014] [概念8]   在根據概念1至7中的任一者的該虛擬貨幣系統中,   該虛擬貨幣僅在預設的區域中有用。   [0015] [概念9]   在根據概念1至8中的任一者的該虛擬貨幣系統中,   可使用區塊鏈(blockchain)。   [0016] [概念10]   在根據概念1至9中的任一者的該虛擬貨幣系統中,   當該現金資訊用作為該現金點資訊時,該管理裝置可使用現金兌換率將該現金資訊兌換成該虛擬貨幣資訊,以及當該點資訊用作為該現金點資訊時,該管理裝置可使用點兌換率將該點資訊兌換成該虛擬貨幣資訊。   [0017] 在本發明中,當該現金點資訊為該現金資訊,且該虛擬貨幣資訊中的該虛擬貨幣的值在從該現金資訊到該虛擬貨幣資訊的兌換之時被設為高於該現金資訊中的該現金的值時的態樣被採用時,能推廣從現金到該虛擬貨幣的兌換。當該虛擬貨幣的值隨著時間的流逝減少的態樣被採用時,該虛擬貨幣的消費能被推廣。因此,可推廣消費行為並重振經濟。[0005] On the other hand, various approaches have been taken to simulate economic activities, particularly for regional promotion. The present invention provides a new use of virtual currency for simulating economic activity. Solution to Problem [0007] [Concept 1] A virtual currency according to an aspect of the present invention may include: an input unit for inputting cash point information; a management device for inputting cash from the input unit of cash Converting the information into virtual currency information of the virtual currency, and managing the virtual currency information, wherein the management device reduces the value of the virtual currency according to the passage of time, and wherein, when the cash point information is cash information, The value of the virtual currency in the virtual currency information is higher than the value of the cash in the cash information. [Concept 2] In the virtual currency system according to concept 1, the management device may exchange the cash point information into the virtual currency information using a first exchange rate of a consumer belonging to the first consumer category, and The cash point information may be exchanged for the virtual currency information using a second exchange rate of a consumer belonging to the second consumer category. [Concept 3] In the virtual currency system according to Concept 1 or Concept 2, the management device may use the first threshold information belonging to the consumer of the first consumer category to reduce the virtual in the virtual currency information The value of the currency, and the second threshold information of the consumer belonging to the second consumer category, can be used to reduce the value of the virtual currency in the virtual currency information. [Concept 4] In the virtual currency system according to Concept 2, the consumer belonging to the first consumer category may be a domestic consumer, and the consumer belonging to the second consumer category may be a foreign The consumer, the management device may use the first threshold information to reduce the value of the virtual currency in the virtual currency information of the domestic consumer, and use the second threshold information to reduce the virtual currency information of the foreign consumer The value of the virtual currency, the second exchange rate may be greater than the first exchange rate, and the rate of decrease of the value of the virtual currency based on the second threshold information may be greater than the value of the virtual currency based on the first threshold information. Rate of decline. [Concept 5] In the virtual currency system according to any one of concepts 2 to 4, the consumer belonging to the first consumer category may be a domestic consumer belonging to the second consumer category The consumer may be a foreign consumer, the value of the virtual currency in the virtual currency information of the domestic consumer may gradually decrease over time, and the virtual in the virtual currency information of the foreign consumer The value of the currency can drop to zero after a certain time period has elapsed. [Concept 6] In the virtual currency system according to any one of Concepts 1 to 5, the management device may exchange the virtual currency information into the cash point information using commission information on the commission. [Concept 7] In the virtual currency system according to Concept 6, the management device may use the owner commission information to convert the virtual currency information into the cash point information of the owner, and may use the consumer commission information to the virtual currency The currency information is converted into the cash point information of the consumer, and the commission based on the owner commission information may be lower than the commission based on the consumer commission information. [Concept 8] In the virtual currency system according to any one of Concepts 1 to 7, the virtual currency is only useful in a preset area. [Concept 9] In the virtual currency system according to any one of Concepts 1 to 8, a blockchain can be used. [Concept 10] In the virtual currency system according to any one of Concepts 1 to 9, when the cash information is used as the cash point information, the management device can exchange the cash information using a cash exchange rate The virtual currency information, and when the point information is used as the cash point information, the management device can exchange the point information into the virtual currency information using a point exchange rate. [0017] In the present invention, when the cash point information is the cash information, and the value of the virtual currency in the virtual currency information is set higher than the value of the virtual currency information from the cash information When the value of the cash in the cash information is adopted, the exchange from cash to the virtual currency can be promoted. When the value of the virtual currency is reduced as time passes, the consumption of the virtual currency can be promoted. Therefore, consumer behavior can be promoted and the economy can be revived.

[0019] 實施例 <<架構>>   將參照圖式描述根據本發明的實施例的資訊處理裝置如下。此處,圖1至圖4是用以說明本發明實施例的圖。   [0020] 如圖1所示,根據實施例之虛擬貨幣系統可具有用以輸入現金資訊的輸入單元10、以及用以將自該輸入單元10輸入之現金的現金資訊兌換成虛擬貨幣的虛擬貨幣資訊並管理該虛擬貨幣資訊的管理單元100。輸入單元10及管理單元100可透過網際網路連接。在本實施例中,將主要但不侷限於使用現金的現金資訊來說明現金點資訊。現金點資訊可使用由一公司或類似者所發行的點的點資訊。倘若該現金點資訊是該點資訊,則虛擬貨幣資訊中的虛擬貨幣的值可等於或大於點資訊中的點的值。術語「虛擬貨幣的值」和「點的值」表示它們被兌換成現金時的價值。換言之,用「虛擬貨幣的值」和「點的值」能購買之相同數量的商品是相同的價值,且如果能購買較大數量商品則該價值高。   [0021] 管理裝置100可基於預設兌換率將現金資訊兌換成虛擬貨幣資訊,且根據時間的流逝來降低虛擬貨幣資訊中的虛擬貨幣的值。虛擬貨幣資訊中的虛擬貨幣的值可高於現金資訊中的現金的值。假設,但不限制管理裝置100在本實施例中為單一電腦,且可由多數個電腦構成。該等電腦可設置於相同處或不同處。再者,該等電腦可由不同的實體擁有或管理。可透過實際存入現金或匯款到一帳戶、或透過信用卡之類的卡支付而輸入現金資訊,   [0022] 輸入單元10可為諸如個人電腦、智慧手機、或平板終端的任意終端11,或可為安裝於預定地方的安裝終端12。當輸入單元10是諸如個人電腦、智慧手機、或平板終端的任意終端11且錢透過使用任意終端11而被存達一預定數量時,在存入的錢被確認之後,可提供虛擬貨幣給消費者。或者,在自任意終端11輸入的信用卡的卡片資訊被確認之後,可提供該虛擬貨幣給消費者。當輸入單元10是安裝於預定地方的安裝終端12且支付是由安裝終端12以現金、透過信用卡之類進行時,可記錄虛擬貨幣資訊作為結果。   [0023] 虛擬貨幣資訊可被記錄於管理裝置100的記錄單元140(稍後說明)中或發行的IC卡15中。記錄單元140可自諸如個人電腦、智慧手機、或平板終端的任意終端11存取。諸如個人電腦、智慧手機、或平板終端的任意終端11不一定為消費者所擁有,且可借自市政府或機場之類的攤商。   [0024] 如圖1所示,管理裝置100可具有記錄單元140、通訊單元110、操作單元120、顯示單元130、兌換單元160、以及控制單元150。記錄單元140記錄各種資訊。通訊單元110與終端11和12之類透過網際網路通訊。操作單元120由操作員操作。顯示單元130顯示記錄於記錄單元140中的資訊及其類似者。兌換單元160將現金資訊兌換成虛擬貨幣資訊,且將虛擬貨幣資訊反兌換成現金資訊。控制單元150控制該等單元。   [0025] 虛擬貨幣僅在預設的區域中有用。舉例來說,僅在州廳A或城市B中有用。或者,其僅在諸如Kanto地區或Kinki地區的特定地區群組中有用。   [0026] 亦可使用區塊鏈。區塊鏈是多個電腦共享網際網路中的交易記錄,並驗證及累積像鏈狀的共同鏈結的正確記錄。透過採用區塊鏈,可減少導入成本,且可推廣導入根據本實施例的虛擬貨幣系統是有利的。再者,在根據本實施例的虛擬貨幣系統中,可執行擬挖礦(pseudo mining)以給予最佳挖礦用戶預定數量(價值)的虛擬貨幣。透過採用此一態樣,虛擬貨幣自動給予虛擬貨幣系統的用戶某一機率。因此,可預期給予消費者或類似者使用虛擬貨幣的激勵。舉例來說,當虛擬貨幣系統被用作為地區貨幣時,用戶的參數小,其代表虛擬貨幣以較高的機率給予。因此,可預期進一步給予消費者或類似者使用虛擬貨幣的激勵。   [0027] 當管理裝置100將現金資訊兌換成虛擬貨幣資訊時,虛擬貨幣資訊中的虛擬貨幣可以高於或低於現金資訊中的現金的值。當虛擬貨幣資訊中的虛擬貨幣的值高於現金資訊中的現金的值時,會加入所謂的溢價值(premium value)。做為範例,當假設要被兌換之現金的值是「1」時,被兌換之虛擬貨幣的值可以是「1+p」(0% < p ≤ 50%),其中更精確而言,「p」可介於10%和30%之間。   [0028] 當虛擬貨幣的值隨著時間流逝而降低時,其可以固定的貶值率降低。做為範例,當假設在從現金兌換成虛擬貨幣之時的虛擬貨幣的值是「1」時,在週期「t」已流逝之後的虛擬貨幣的值可以是「(1 - d) × t」(0% < d ≤ 100%)。做為週期「t」,可使用任何諸如一星期、一個月、或一年的週期。當虛擬貨幣的值被降低時,例如,該值可每次日期改變時連續降低,或可每次諸如一星期、或一個月的特定週期流逝時斷斷續績降低(見圖2)。   [0029] 管理裝置100可使用屬於第一消費者類別之消費者的第一兌換率將現金資訊兌換成虛擬貨幣資訊,以及使用屬於第二消費者類別之消費者的第二兌換率將現金資訊兌換成虛擬貨幣資訊。在此情況下,第二兌換率可大於第一兌換率。   [0030] 管理裝置100可使用屬於第一消費者類別之消費者的第一貶值資訊來降低虛擬貨幣資訊中的虛擬貨幣的值,以及可使用屬於第二消費者類別之消費者的第二貶值資訊來降低虛擬貨幣資訊中的虛擬貨幣的值。在此情況下,基於第二貶值資訊的虛擬貨幣的值的下降率(貶值率)可大於基於第一貶值資訊的該虛擬貨幣的值的下降率(貶值率)。   [0031] 做為第二兌換率可大於第一兌換率且基於第二貶值資訊的虛擬貨幣的值的下降率可大於基於第一貶值資訊的虛擬貨幣的值的下降率的範例,可使用以下態樣。就屬於第二消費者類別的消費者而言,「p」可設為50%,「t」可設為二個星期,且「d」可設為100%。在此情況下,增加50%的值作為溢價的值,但溢價的值在二個星期後要為0(見圖3)。另一方面,就屬於第一消費者類別的消費者而言,「p」可設為20%,「t」可設為一個月,且「d」可設為10%。在此情況下,增加20%的值作為溢價的值,但溢價的值每次一個月流逝之後要降低10%,且溢價的值在10個月之後要為0(見圖2)。   [0032] 管理裝置100可使用佣金的業主佣金資訊將虛擬貨幣資訊兌換成現金資訊。在此情況下,可用固定數量的佣金、針對每一價錢範圍的不同佣金、或預定佣金率來將虛擬貨幣資訊兌換成現金資訊。舉例來說,當虛擬貨幣資訊用針對每一價錢範圍的不同佣金被兌換成現金資訊時,其可於虛擬貨幣兌換方面花費100日圓(yen)作為小於1000日圓情況中的佣金,其可於虛擬貨幣兌換方面花費500日圓作為等於1000日圓或小於5000日圓的情況中的佣金,以及可於虛擬貨幣兌換方面花費1000日圓作為等於或大於5000日圓的例子中的佣金。當虛擬貨幣資訊用預定佣金被兌換成現金資訊時,且假設要被兌換之虛擬貨幣的值被設為「1」時,被兌換的現金的值可為「1 - q」(0% ≤ q ≤ 10%)。   [0033] 為不造成僅透過將現金兌換成虛擬貨幣以及將虛擬貨幣兌換成現金的不合理利益,將虛擬貨幣兌換成現金所需的佣金可大於透過將現金兌換成虛擬貨幣所得到的溢價的值。再者,當沒有消費一特定或更多數量的虛擬貨幣時,虛擬貨幣可以是不可兌換成現金的。   [0034] 管理裝置100可使用屬於第一消費者類別之消費者的第一佣金資訊將虛擬貨幣資訊兌換成現金資訊,以及可使用屬於第二消費者類別之消費者的第二佣金資訊將虛擬貨幣資訊兌換成現金資訊。在此例中,基於第二佣金資訊的佣金可高於基於第一佣金資訊的佣金。此外,虛擬貨幣資訊可以是不可兌換成針對屬於第二消費者類別之消費者(例如,國外消費者)的現金資訊。   [0035] 管理裝置100可使用業主佣金資訊將虛擬貨幣資訊兌換成業主的現金資訊,以及可使用消費者佣金資訊將虛擬貨幣資訊兌換成消費者的現金資訊。基於業主佣金資訊的佣金可低於基於消費者佣金資訊的佣金。做為範例,基於業主佣金資訊的佣金可為0日圓。此外,就某一特定週期期間的特定的次數而言,基於業主佣金資訊的佣金是0日圓,且當次數超過特定的次數時可收取佣金。做為範例,倘若每星期一次或達到每月4次雖然佣金是0日圓,但倘若次數超過此頻率,則業主可用當消費者虛擬貨幣資訊兌換成現金資訊的相同佣金(基於消費者佣金資訊的佣金)將虛擬貨幣資訊兌換成現金資訊。   [0036] 再者,能將虛擬貨幣資訊兌換成現金資訊的業主可侷限於存在於能使用虛擬貨幣的區域中。此等業主可在管理裝置100事先註冊並受到管理。以此方式註冊的資訊被記錄於記錄單元140中。   [0037] 此外,能用業主佣金資訊將虛擬貨幣資訊兌換成現金資訊的業主可能無法將現金兌換成用於業主本身的虛擬貨幣。藉由採用此種態樣,可能不會造成僅藉由將現金兌換成虛擬貨幣以及將虛擬貨幣兌換成現金的不合理利益。   [0038] 以上種種類型的資訊,諸如有關虛擬貨幣的「p」(溢價率(premium rate錯誤 ! 連結無效。 ))、「d」(貶值率(devaluation rate))、以及「q」(佣金率(commission rate))可針對每個地區而有所不同。舉例來說,雖然在州廳α中的「p」大於州廳β中的「p」,針對特定週期的州廳α中的「d」可大於州廳β中的「d」,且在州廳α中的「q」可大於州廳β中的「q」。   [0039] 此外,兌換率在當現金資訊被用作為現金點資訊時以及當點資訊被用作為現金點資訊時之間可能不同。做為一範例,當現金資訊被作為現金點資訊時,管理裝置100可使用現金兌換率將現金資訊兌換成虛擬貨幣資訊,且當點資訊被用作為現金點資訊時,可使用點兌換率將點資訊兌換成虛擬貨幣資訊。點兌換率可大於或小於現金兌換率。   [0040] 當點兌換率要大於現金兌換率時,可預期消費者被鼓勵更樂觀地將一公司或其類似者所發行的點兌換成虛擬貨幣。亦可預期消費者被鼓勵收集更多由一公司或其類似者所發行的點。雖然點兌換率要小於現金兌換率,但有些消費者希望將點而非現金兌換成虛擬貨幣,以便有效利用該些點。在此情況下,能預期消費者被鼓勵收集由一公司或其類似者所發行的點。要注意,點兌換率可設在例如80%到130%的範圍以內。做為另一範例,藉由設定虛擬貨幣資訊中的虛擬貨幣的值等於或大於點資訊中的點的值,點兌換率可被設定在100%到130%的範圍內。   [0041] <<功效>>   接下來,主要將描述根據本實施例之具有以上架構之尚未描述的功效。不論尚未描述於該「架構」中的架構,任何用於「功效」的架構可採用於本發明。   [0042] 在本實施例中,當虛擬貨幣資訊中的虛擬貨幣的值在從現金資訊到虛擬貨幣資訊的兌換之時被設為高於現金資訊中的現金的值時的態樣被採用時,能推廣從現金到該虛擬貨幣的兌換。此外,當虛擬貨幣的值隨著時間的流逝而減少的態樣被採用時,虛擬貨幣的消費能被推廣。因此,可推廣消費行為並重振經濟。特別是當虛擬貨幣能僅使用於預設的區域中時,可預期重振該區域且終將吸引觀光客到該區域。   [0043] 當使用屬於第一消費者類別的消費者的第一兌換率將現金資訊兌換成虛擬貨幣資訊以及使用屬於第二消費者類別的消費者的第二兌換率將現金資訊兌換成虛擬貨幣資訊的態樣被採用時,兌換率能根據消費者所屬的類別而被改變且能進行靈活操作。舉例來說,就具有使用於目標區域中之大的實際數量的虛擬貨幣的消費者而言,現金資訊可用較高於針對具有較低實際數量的消費者的兌換率被兌換成虛擬貨幣資訊。藉由採用此種態樣,可預期增加消費者到該區域的重複率。具有大的實際數量的用過的虛擬貨幣的消費者,例如,可以是使用等於或大於一特定週期期間的臨限值的消費者。   [0044] 當使用屬於第一消費者類別之消費者的第一貶值資訊降低虛擬貨幣資訊中的虛擬貨幣的值,以及使用屬於第二消費者類別之消費者的第二貶值資訊降低虛擬貨幣資訊中的虛擬貨幣的值的態樣被採用時,虛擬貨幣的數量或貶值率能根據消費者所屬的類別被改變,且能進行靈活操作。舉例來說,就具有大的實際數量之使用於目標區域中的虛擬貨幣的消費者而言,貶值率可設為低於針對具有較低實際數量的消費者的貶值率。此外,就具有現金資訊被兌換成虛擬貨幣資訊所用的相對高兌換率(溢價率)的消費者而言,貶值率可被設為高於針對具有現金資訊被兌換成虛擬貨幣資訊所用的相對較低兌換率(溢價率)的消費者的貶值率。再者,消費者自己可選擇是否要升高貶值率以作為升高現金資訊被兌換成虛擬貨幣資訊所用的兌換率(溢價率)的交換,或者降低貶值率以作為降低現金資訊被兌換成虛擬貨幣資訊所用的兌換率(溢價率)的交換。現金資訊用來被兌換成虛擬貨幣資訊的兌換率可根據虛擬貨幣的值變為0的週期被預設,或是消費者可考量兌換率及虛擬貨幣的值變為0的週期而選擇兌換率及虛擬貨幣的值變為0的週期。   [0045] 當使用佣金的佣金資訊將虛擬貨幣資訊兌換成現金資訊的態樣被採用時,從虛擬貨幣資訊到現金資訊的兌換可被抑制到某一特定程度。因此,能推廣虛擬貨幣的使用。特別是當虛擬貨幣僅能用於預設區域中時,可預期在該區域推廣虛擬貨幣的使用,且能重振該區域。   [0046] 當使用屬於第一消費者類別之消費者的第一佣金資訊將虛擬貨幣資訊兌換成現金資訊以及使用屬於第二消費者類別之消費者的第二佣金資訊將虛擬貨幣資訊兌換成現金資訊的態樣被採用時,佣金的數量及百分比能根據消費者所屬之類別而改變,且能進行靈活操作。舉例來說,就具有大的實際數量之使用於目標區的虛擬貨幣的消費者而言,佣金的數量及百分比可設為低於針對具有較低實際數量之消費者的佣金的數量及百分比。此外,就具有相對高的現金資訊被兌換虛擬貨幣資訊所用的兌換率(溢價率)的消費者而言,佣金的數量及百分比可設為高於針對具有相對低的現金資訊被兌換成虛擬貨幣資訊所用的兌換率(溢價率)的消費者之佣金的數量及百分比。再者,消費者自己可選擇是否升高佣金的數量及百分比以作為對升高現金資訊被兌換成虛擬貨幣資訊所用的兌換率(溢價率)的交換,或是降低佣金的數量及百分比以作為對降低現金資訊被兌換成虛擬貨幣資訊所用的兌換率(溢價率)的交換。當虛擬貨幣資訊不可兌換成屬於第二消費者類別之消費者(例如,國外的消費者)的現金資訊的態樣被採用時,除了可推廣虛擬貨幣的使用以外,還有要被消耗費的數量可預測是有利的。   [0047] 此外,當屬於第一消費者類別的消費者被設定為國內消費者而屬於第二消費者類別的消費者被設定為國外消費者時,能改變用以吸引國外消費者及國內消費者的方法是有利的。一般而言,由於國外消費者僅停留諸如一星期或二星期的一段時間,採取用於推虛擬貨幣的使用的方法可藉由作為對將第二兌換率設為大於第一兌換率、基於第二貶值資訊設定虛擬貨幣的值的下降率要大於基於第一貶值資訊之虛擬貨幣的值的下降率作為交換。做為一範例,作為對將兌換率(溢價率)設為極高(諸如50%)的交換,當排定的停留週期流逝時,虛擬貨幣的值可設為0。雖然就國內消費者而言,虛擬貨幣資訊中的虛擬貨幣的值隨著時間的流逝而逐步降低,如圖2所示,但就國外消費者而言,當一特定的時間週期流逝時,虛擬貨幣資訊中的虛擬貨幣的值可降至0,如圖3所示者。   [0048] 當虛擬貨幣的值隨著時間的流逝而逐步降低時,下降率可以相同或不同。當虛擬貨幣的值以不同速率降低時,值可以d1 的速率降低直到t1 ,且接著在t1 之後以d2 (> d1 )的速率降低,且當時間流逝時(見圖4),下降率可(突然)大。藉由採用此一態樣,在該特定週期t1 流逝之前,虛擬貨幣的使用可強烈推廣給消費者。特別是當虛擬貨幣僅能用於一特定區域中的態樣被採用時,能在一特定週期t1 流逝之前強烈推廣再度造訪該區域是有利的。   [0049] 當使用業主佣金資訊將虛擬貨幣資訊兌換成業主的現金資訊以及使用消費者佣金資訊將虛擬貨幣資訊兌換成消費者的現金資訊的態樣被採用時,佣金的數量及百分比可在業主與消費者之間改變,且能進行靈活操作。特別是在業主的情況中,藉由將佣金的數量及百分比設為低,可預期增加能使用虛擬貨幣之相關商店的數量。當業主不支付佣金的態樣被採用時,能簡化稅的處理是有利的。   [0050] 最後,上述實施例及圖式的揭露係用於例示目的以便說明申請專利範圍所述之本發明。敘述於申請專利範圍中的本發明不應侷限於每一個上述實施例及圖式的說明。此外,原始申請專利範圍中的敘述係用於例示目的,且因而申請專利範圍中的敘述可基於說明書、圖式等加以適當改變。[0019] Embodiment <<Architecture>> An information processing apparatus according to an embodiment of the present invention will be described below with reference to the drawings. 1 to 4 are diagrams for explaining an embodiment of the present invention. [0020] As shown in FIG. 1, a virtual currency system according to an embodiment may have an input unit 10 for inputting cash information, and a virtual currency for converting cash information of cash input from the input unit 10 into virtual currency. The management unit 100 that manages and manages the virtual currency information. The input unit 10 and the management unit 100 can be connected via the Internet. In this embodiment, the cash point information will be explained mainly by, but not limited to, cash information using cash. Cash point information can use point information from points issued by a company or similar. If the cash point information is the point information, the value of the virtual currency in the virtual currency information may be equal to or greater than the value of the point in the point information. The terms "value of virtual currency" and "value of point" indicate the value when they are converted into cash. In other words, the same amount of goods that can be purchased with "value of virtual currency" and "value of point" are the same value, and the value is high if a larger number of items can be purchased. [0021] The management device 100 may convert the cash information into virtual currency information based on the preset exchange rate, and reduce the value of the virtual currency in the virtual currency information according to the passage of time. The value of the virtual currency in the virtual currency information can be higher than the value of the cash in the cash information. It is assumed, but not limited, that the management device 100 is a single computer in this embodiment, and can be composed of a plurality of computers. These computers can be placed in the same place or in different places. Furthermore, such computers may be owned or managed by different entities. The cash information may be input by actually depositing cash or remittance to an account, or by card payment such as a credit card, [0022] the input unit 10 may be any terminal 11 such as a personal computer, a smart phone, or a tablet terminal, or may It is an installation terminal 12 installed at a predetermined place. When the input unit 10 is any terminal 11 such as a personal computer, a smart phone, or a tablet terminal and the money is stored for a predetermined amount by using any terminal 11, after the deposited money is confirmed, virtual money can be provided for consumption. By. Alternatively, the virtual currency may be provided to the consumer after the card information of the credit card input from any terminal 11 is confirmed. When the input unit 10 is the installation terminal 12 installed at a predetermined place and the payment is made by the installation terminal 12 in cash, by credit card or the like, virtual currency information can be recorded as a result. [0023] The virtual currency information can be recorded in the recording unit 140 (described later) of the management device 100 or in the issued IC card 15. The recording unit 140 can be accessed from any terminal 11 such as a personal computer, a smart phone, or a tablet terminal. Any terminal 11 such as a personal computer, a smart phone, or a tablet terminal is not necessarily owned by the consumer, and may be borrowed from a vendor such as a city government or an airport. As shown in FIG. 1, the management device 100 may have a recording unit 140, a communication unit 110, an operation unit 120, a display unit 130, a redemption unit 160, and a control unit 150. The recording unit 140 records various information. The communication unit 110 communicates with the terminals 11 and 12 via the Internet. The operation unit 120 is operated by an operator. The display unit 130 displays the information recorded in the recording unit 140 and the like. The redemption unit 160 converts the cash information into virtual currency information and converts the virtual currency information into cash information. Control unit 150 controls the units. [0025] Virtual currency is only useful in preset areas. For example, it is only useful in State Hall A or City B. Or, it is only useful in a specific regional group such as the Kanto area or the Kinki area. A blockchain can also be used. A blockchain is a transaction record in multiple computers sharing the Internet, and validates and accumulates the correct record of a common chain like a chain. By adopting the blockchain, the introduction cost can be reduced, and it is advantageous to promote the introduction of the virtual currency system according to the present embodiment. Further, in the virtual currency system according to the present embodiment, pseudo mining can be performed to give the optimal mining user a predetermined amount (value) of virtual currency. By adopting this aspect, the virtual currency automatically gives the user of the virtual currency system a certain chance. Therefore, an incentive to use a virtual currency to a consumer or the like can be expected. For example, when a virtual currency system is used as a regional currency, the user's parameters are small, which represents a virtual currency with a higher probability. Therefore, it is expected that the incentive to further use the virtual currency to the consumer or the like can be expected. [0027] When the management device 100 converts cash information into virtual currency information, the virtual currency in the virtual currency information may be higher or lower than the value of cash in the cash information. When the value of the virtual currency in the virtual currency information is higher than the value of the cash in the cash information, a so-called premium value is added. As an example, when the value of the cash to be exchanged is assumed to be "1", the value of the converted virtual currency may be "1+p" (0% < p ≤ 50%), more precisely, "p" can be between 10% and 30%. [0028] When the value of the virtual currency decreases as time passes, its fixed depreciation rate decreases. As an example, when the value of the virtual currency at the time of converting from cash to virtual currency is assumed to be "1", the value of the virtual currency after the period "t" has elapsed may be "(1 - d) × t" (0% < d ≤ 100%). As the period "t", any period such as one week, one month, or one year can be used. When the value of the virtual currency is lowered, for example, the value may be continuously decreased each time the date is changed, or the performance may be interrupted every time a specific period such as one week or one month elapses (see Fig. 2). [0029] The management device 100 may convert cash information into virtual currency information using a first exchange rate of consumers belonging to the first consumer category, and cash information using a second exchange rate of consumers belonging to the second consumer category. Exchange into virtual currency information. In this case, the second exchange rate may be greater than the first exchange rate. [0030] The management device 100 may use the first threshold information of the consumer belonging to the first consumer category to reduce the value of the virtual currency in the virtual currency information, and may use the second threshold of the consumer belonging to the second consumer category. Information to reduce the value of virtual currency in virtual currency information. In this case, the rate of decrease (depreciation rate) of the value of the virtual currency based on the second threshold information may be greater than the rate of decrease (depreciation rate) of the value of the virtual currency based on the first threshold information. [0031] As an example in which the second exchange rate may be greater than the first exchange rate and the rate of decline of the value of the virtual currency based on the second threshold information may be greater than the rate of decrease of the value of the virtual currency based on the first threshold information, the following may be used Aspect. For consumers belonging to the second consumer category, "p" can be set to 50%, "t" can be set to two weeks, and "d" can be set to 100%. In this case, increase the value by 50% as the value of the premium, but the value of the premium must be 0 after two weeks (see Figure 3). On the other hand, for consumers belonging to the first consumer category, "p" can be set to 20%, "t" can be set to one month, and "d" can be set to 10%. In this case, increase the value of 20% as the value of the premium, but the value of the premium is reduced by 10% after one month elapses, and the value of the premium is 0 after 10 months (see Figure 2). [0032] The management device 100 may use the commission commission information of the commission to convert the virtual currency information into cash information. In this case, the virtual currency information can be exchanged for cash information with a fixed amount of commission, a different commission for each price range, or a predetermined commission rate. For example, when virtual currency information is converted into cash information with different commissions for each price range, it can spend 100 yen (yen) on virtual currency exchange as a commission in the case of less than 1000 yen, which can be virtualized. In the case of currency exchange, 500 yen is used as a commission in the case of 1,000 yen or less, and a commission in the case of spending 1000 yen as a credit equal to or more than 5000 yen in virtual currency exchange. When the virtual currency information is converted into cash information with a predetermined commission, and the value of the virtual currency to be exchanged is set to "1", the value of the cash exchanged may be "1 - q" (0% ≤ q) ≤ 10%). [0033] In order not to cause an unreasonable benefit only by converting cash into virtual currency and converting virtual currency into cash, the commission required to convert the virtual currency into cash may be greater than the premium obtained by converting the cash into virtual currency. value. Furthermore, when a certain or a greater number of virtual currencies are not consumed, the virtual currency may not be convertible into cash. [0034] The management device 100 may convert the virtual currency information into cash information using the first commission information of the consumer belonging to the first consumer category, and may use the second commission information of the consumer belonging to the second consumer category to be virtualized Currency information is converted into cash information. In this example, the commission based on the second commission information may be higher than the commission based on the first commission information. In addition, the virtual currency information may be cash information that is not redeemable for consumers belonging to the second consumer category (eg, foreign consumers). [0035] The management device 100 may use the owner commission information to convert the virtual currency information into the owner's cash information, and may use the consumer commission information to convert the virtual currency information into the consumer's cash information. The commission based on the owner's commission information may be lower than the commission based on the consumer commission information. As an example, the commission based on the owner's commission information can be 0 yen. In addition, the commission based on the owner's commission information is 0 yen for a specific number of times during a particular period, and a commission may be charged when the number of times exceeds a certain number of times. As an example, if the commission is 0 yen per week or 4 times a month, if the number exceeds this frequency, the owner can use the same commission for converting the consumer virtual currency information into cash information (based on consumer commission information). Commission) converts virtual currency information into cash information. [0036] Furthermore, an owner who can convert virtual currency information into cash information can be limited to being present in an area where virtual currency can be used. These owners can be registered and managed in advance by the management device 100. Information registered in this manner is recorded in the recording unit 140. [0037] In addition, a homeowner who can use the owner's commission information to convert virtual currency information into cash information may not be able to convert cash into virtual currency for the owner's own. By adopting such an aspect, it may not cause an unreasonable benefit only by converting cash into virtual currency and converting virtual currency into cash. [0038] The above types of information, such as "p" (premium rate error ! link invalid ), "d" (devaluation rate), and "q" (commission rate) related to virtual currency (commission rate) can vary for each region. For example, although the "p" in the state hall α is larger than the "p" in the state hall β, the "d" in the state hall α for a specific period may be larger than the "d" in the state hall β, and in the state The "q" in the hall α can be larger than the "q" in the state hall β. [0039] In addition, the exchange rate may differ between when cash information is used as cash point information and when point information is used as cash point information. As an example, when cash information is used as cash point information, the management device 100 can use the cash exchange rate to convert cash information into virtual currency information, and when the point information is used as cash point information, the point exchange rate can be used. Point information into virtual currency information. The point exchange rate can be greater or less than the cash exchange rate. [0040] When the point exchange rate is greater than the cash exchange rate, consumers are expected to be encouraged to more optimistically exchange points issued by a company or the like into virtual currency. Consumers are also expected to be encouraged to collect more points issued by a company or similar. Although the point exchange rate is less than the cash exchange rate, some consumers want to convert points rather than cash into virtual currency in order to make effective use of these points. In this case, consumers can be expected to be encouraged to collect points issued by a company or the like. It is to be noted that the point exchange rate can be set, for example, within the range of 80% to 130%. As another example, by setting the value of the virtual currency in the virtual currency information to be equal to or greater than the value of the point in the point information, the point exchange rate can be set in the range of 100% to 130%. <<Effect>> Next, effects that have not been described above having the above architecture according to the present embodiment will be mainly described. Regardless of the architecture not described in the "architecture", any architecture for "efficacy" may be employed in the present invention. [0042] In the present embodiment, when the value of the virtual currency in the virtual currency information is set to be higher than the value of the cash in the cash information at the time of redemption from the cash information to the virtual currency information, the aspect is adopted. Can promote the exchange of cash from the virtual currency. In addition, when the value of the virtual currency is reduced as time passes, the consumption of the virtual currency can be promoted. Therefore, consumer behavior can be promoted and the economy can be revived. Especially when virtual currency can be used only in a preset area, it is expected that the area will be revived and will eventually attract tourists to the area. [0043] Converting cash information into virtual currency information using a first exchange rate of a consumer belonging to the first consumer category and converting cash information into virtual currency using a second exchange rate of a consumer belonging to the second consumer category When the aspect of the information is adopted, the exchange rate can be changed according to the category to which the consumer belongs and can be flexibly operated. For example, for a consumer having a large amount of actual virtual currency used in the target area, the cash information can be exchanged for virtual currency information higher than the exchange rate for a consumer with a lower actual amount. By adopting such an aspect, it is expected to increase the repetition rate of the consumer to the area. A consumer having a large actual amount of used virtual currency, for example, may be a consumer using a threshold equal to or greater than a certain period of time. [0044] reducing the value of the virtual currency in the virtual currency information using the first threshold information of the consumer belonging to the first consumer category, and reducing the virtual currency information using the second threshold information of the consumer belonging to the second consumer category When the aspect of the value of the virtual currency in the medium is adopted, the number or the depreciation rate of the virtual currency can be changed according to the category to which the consumer belongs, and the flexible operation can be performed. For example, for a consumer having a large actual number of virtual currencies used in the target area, the depreciation rate can be set lower than the depreciation rate for consumers with a lower actual number. In addition, for consumers with a relatively high exchange rate (premium rate) for cash information exchanged into virtual currency information, the depreciation rate can be set higher than the relative value used to convert cash information into virtual currency information. The depreciation rate of consumers with low exchange rate (premium rate). Furthermore, consumers themselves can choose whether to increase the depreciation rate as an exchange rate for the exchange rate (premium rate) used to exchange cash information into virtual currency information, or to reduce the depreciation rate as a reduction in cash information to be converted into virtual Exchange of exchange rate (premium rate) used for currency information. The exchange rate used for cash information to be converted into virtual currency information may be preset according to a period in which the value of the virtual currency becomes 0, or the consumer may consider the exchange rate and the period in which the value of the virtual currency becomes 0 to select the exchange rate. And the period in which the value of the virtual currency becomes 0. [0045] When the commission information of the commission is used to convert the virtual currency information into the cash information, the exchange from the virtual currency information to the cash information can be suppressed to a certain extent. Therefore, the use of virtual currency can be promoted. Especially when virtual currency can only be used in a preset area, it is expected to promote the use of virtual currency in the area and to reinvigorate the area. [0046] Converting virtual currency information into cash using first commission information belonging to a consumer of the first consumer category and converting virtual currency information into cash using second commission information of a consumer belonging to the second consumer category When the aspect of the information is adopted, the number and percentage of commissions can be changed according to the category to which the consumer belongs, and the flexibility can be operated. For example, for a consumer having a large actual number of virtual currencies used in the target zone, the number and percentage of commissions can be set lower than the number and percentage of commissions for consumers with lower actual amounts. In addition, for consumers who have a relatively high cash information exchange rate (prepaid rate) for virtual currency information, the number and percentage of commissions can be set higher than for the relatively low cash information to be converted into virtual currency. The number and percentage of commissions of consumers for the exchange rate (premium rate) used for the information. Furthermore, consumers can choose whether to increase the number and percentage of commissions as an exchange rate for the exchange rate (premium rate) used to exchange cash information into virtual currency information, or to reduce the number and percentage of commissions. Exchange of exchange rate (premium rate) used to reduce the amount of cash information exchanged into virtual currency information. When the virtual currency information cannot be exchanged for the cash information of the consumers belonging to the second consumer category (for example, foreign consumers), in addition to the promotion of the use of the virtual currency, there is still a consumption fee. The number is predictable to be beneficial. [0047] In addition, when a consumer belonging to the first consumer category is set as a domestic consumer and a consumer belonging to the second consumer category is set as a foreign consumer, the change can be used to attract foreign consumers and The domestic consumer approach is beneficial. In general, since the foreign consumer only stays for a period of one week or two weeks, the method for using the virtual currency can be adopted as the basis for setting the second exchange rate to be greater than the first exchange rate, based on The second threshold information sets the rate of decline of the value of the virtual currency to be greater than the rate of decrease of the value of the virtual currency based on the first threshold information. As an example, as an exchange for setting the exchange rate (premise rate) to a very high level (such as 50%), the virtual currency value can be set to 0 when the scheduled stay period elapses. Although for domestic consumers, the value of virtual currency in virtual currency information gradually decreases over time, as shown in Figure 2, but for foreign consumers, when a specific time period elapses, The value of the virtual currency in the virtual currency information can be reduced to zero, as shown in Figure 3. [0048] When the value of the virtual currency gradually decreases as time passes, the rate of decline may be the same or different. When the value of the virtual currency decreases at a different rate, the value can decrease at a rate of d 1 until t 1 and then decrease at a rate of d 2 (> d 1 ) after t 1 and when time passes (see Figure 4) The rate of decline can be (suddenly) large. By using this aspect, prior to the passage of a specific period t 1, the use of virtual currency can be a strong promotion to consumers. Particularly when only a virtual currency for a particular aspect of the region, when employed, can strongly promote t before the lapse of a re-visiting the area is advantageous in a specific period. [0049] When using the owner commission information to convert the virtual currency information into the owner's cash information and using the consumer commission information to convert the virtual currency information into the consumer's cash information, the number and percentage of the commission can be used by the owner. Change with consumers and be flexible. Especially in the case of the owner, by setting the number and percentage of commissions low, it is expected to increase the number of related stores that can use virtual currency. When the owner does not pay the commission, the tax treatment can be simplified. [0050] Finally, the above-described embodiments and the disclosure of the drawings are for illustrative purposes in order to illustrate the invention described in the claims. The invention described in the claims is not limited to the description of each of the above embodiments and drawings. In addition, the description in the scope of the original patent application is for illustrative purposes, and thus the description in the scope of the claims may be appropriately changed based on the specification, drawings, and the like.

[0051][0051]

10‧‧‧輸入單元10‧‧‧ input unit

11‧‧‧任意終端11‧‧‧any terminal

12‧‧‧安裝終端12‧‧‧Installation terminal

15‧‧‧IC卡15‧‧‧IC card

100‧‧‧管理單元100‧‧‧Management Unit

110‧‧‧通訊單元110‧‧‧Communication unit

120‧‧‧操作單元120‧‧‧Operating unit

130‧‧‧顯示單元130‧‧‧Display unit

140‧‧‧記錄單元140‧‧‧recording unit

150‧‧‧控制單元150‧‧‧Control unit

160‧‧‧兌換單元160‧‧‧Exchange unit

[0018]   圖1是說明根據本發明之虛擬貨幣系統的概要的示意方塊圖;   圖2是顯示虛擬貨幣的值在本發明實施例中被降低的態樣之範例的圖;   圖3是顯示虛擬貨幣的值在本發明實施例中被降低的另一態樣之範例的圖;以及   圖4是顯示虛擬貨幣的值在本發明實施例中被降低的又一態樣之範例的圖。1 is a schematic block diagram showing an outline of a virtual currency system according to the present invention; FIG. 2 is a diagram showing an example of a state in which a value of a virtual currency is lowered in the embodiment of the present invention; A diagram of an example of another aspect in which the value of the currency is reduced in the embodiment of the present invention; and FIG. 4 is a diagram showing an example of another aspect in which the value of the virtual currency is lowered in the embodiment of the present invention.

Claims (10)

一種虛擬貨幣系統,包含:   輸入單元,用於輸入現金點資訊;以及   管理裝置,用於將自該輸入單元輸入的現金的該現金點資訊兌換成虛擬貨幣的虛擬貨幣資訊,以及用以管理該虛擬貨幣資訊,   其中,該管理裝置根據時間的流逝降低該虛擬貨幣的值,且   其中,當該現金點資訊是現金資訊時,該虛擬貨幣資訊中的該虛擬貨幣的該值高於該現金資訊中的現金的值。A virtual currency system comprising: an input unit for inputting cash point information; and a management device for converting the cash point information of cash input from the input unit into virtual currency information of a virtual currency, and for managing the Virtual currency information, wherein the management device reduces the value of the virtual currency according to the passage of time, and wherein, when the cash point information is cash information, the value of the virtual currency in the virtual currency information is higher than the cash information The value of the cash in. 如申請專利範圍第1項之虛擬貨幣系統,   其中,該管理裝置使用屬於第一消費者類別之消費者的第一兌換率將該現金點資訊兌換成該虛擬貨幣資訊,以及使用屬於第二消費者類別之消費者的第二兌換率將該現金點資訊兌換成該虛擬貨幣資訊。The virtual currency system of claim 1, wherein the management device converts the cash point information into the virtual currency information using the first exchange rate of the consumer belonging to the first consumer category, and uses the second consumption The second exchange rate of the consumer of the category is converted into the virtual currency information. 如申請專利範圍第1項之虛擬貨幣系統,   其中,該管理裝置使用屬於第一消費者類別之消費者的第一貶值資訊來降低該虛擬貨幣資訊中的該虛擬貨幣的值,以及使用屬於第二消費者類別之消費者的第二貶值資訊來降低該虛擬貨幣資訊中的該虛擬貨幣的值。The virtual currency system of claim 1, wherein the management device uses the first depreciation information of the consumer belonging to the first consumer category to reduce the value of the virtual currency in the virtual currency information, and the use of the The second depreciation information of the consumer of the second consumer category reduces the value of the virtual currency in the virtual currency information. 如申請專利範圍第2項之虛擬貨幣系統,   其中,屬於該第一消費者類別的該消費者為國內消費者,   其中,屬於該第二消費者類別的該消費者為國外消費者,   其中,該管理裝置使用第一貶值資訊來降低該國內消費者之該虛擬貨幣資訊中的該虛擬貨幣的值,以及使用第二貶值資訊來降低該國外消費者之該虛擬貨幣資訊中的該虛擬貨幣的值,   其中,該第二兌換率大於該第一兌換率,且   其中,基於該第二貶值資訊的該虛擬貨幣的值的下降率大於基於該第一貶值資訊的該虛擬貨幣的值的下降率。For example, the virtual currency system of claim 2, wherein the consumer belonging to the first consumer category is a domestic consumer, wherein the consumer belonging to the second consumer category is a foreign consumer, wherein The management device uses the first threshold information to reduce the value of the virtual currency in the virtual currency information of the domestic consumer, and uses the second threshold information to reduce the virtual in the virtual currency information of the foreign consumer a value of the currency, wherein the second exchange rate is greater than the first exchange rate, and wherein a rate of decrease of the value of the virtual currency based on the second threshold information is greater than a value of the virtual currency based on the first threshold information Rate of decline. 如申請專利範圍第2項之虛擬貨幣系統,   其中,屬於該第一消費者類別的該消費者為國內消費者,   其中,屬於該第二消費者類別的該消費者為國外消費者,   其中,該國內消費者的該虛擬貨幣資訊中的該虛擬貨幣的值隨著時間的流逝逐步降低,且   其中,該國外消費者的該虛擬貨幣資訊中的該虛擬貨幣的值在特定時間週期流逝後降到0。For example, the virtual currency system of claim 2, wherein the consumer belonging to the first consumer category is a domestic consumer, wherein the consumer belonging to the second consumer category is a foreign consumer, wherein The value of the virtual currency in the virtual currency information of the domestic consumer is gradually decreased over time, and wherein the value of the virtual currency in the virtual currency information of the foreign consumer is elapsed in a specific time period After falling to 0. 如申請專利範圍第1項之虛擬貨幣系統,   其中,該管理裝置使用關於佣金的佣金資訊將該虛擬貨幣資訊兌換成該現金點資訊。For example, the virtual currency system of claim 1 of the patent scope, wherein the management device uses the commission information about the commission to exchange the virtual currency information into the cash point information. 如申請專利範圍第6項之虛擬貨幣系統,   其中,該管理裝置使用業主佣金資訊將該虛擬貨幣資訊兌換成業主的該現金點資訊,以及使用消費者佣金資訊將該虛擬貨幣資訊兌換成消費者的該現金點資訊,且   其中,根據該業主佣金資訊的佣金低於根據該消費者佣金資訊的佣金。For example, in the virtual currency system of claim 6, wherein the management device uses the owner commission information to convert the virtual currency information into the cash point information of the owner, and uses the consumer commission information to convert the virtual currency information into a consumer. The cash point information, wherein the commission based on the owner commission information is lower than the commission based on the consumer commission information. 如申請專利範圍第1項之虛擬貨幣系統,   其中,該虛擬貨幣僅在預設的區域中有用。For example, the virtual currency system of claim 1 of the patent scope, wherein the virtual currency is only useful in a preset area. 如申請專利範圍第1項之虛擬貨幣系統,   其中,區塊鏈(blockchain)被使用。For example, the virtual currency system of claim 1 of the patent scope, in which a blockchain is used. 如申請專利範圍第1項之虛擬貨幣系統,   其中,當該現金資訊用作為該現金點資訊時,該管理裝置使用現金兌換率將該現金資訊兌換成該虛擬貨幣資訊,以及當該點資訊用作為該現金點資訊時,該管理裝置使用點兌換率將該點資訊兌換成該虛擬貨幣資訊。For example, in the virtual currency system of claim 1, wherein when the cash information is used as the cash point information, the management device uses the cash exchange rate to convert the cash information into the virtual currency information, and when the point information is used As the cash point information, the management device converts the point information into the virtual currency information using a point exchange rate.
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