WO2019193704A1 - Risk product assistance system - Google Patents

Risk product assistance system Download PDF

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Publication number
WO2019193704A1
WO2019193704A1 PCT/JP2018/014558 JP2018014558W WO2019193704A1 WO 2019193704 A1 WO2019193704 A1 WO 2019193704A1 JP 2018014558 W JP2018014558 W JP 2018014558W WO 2019193704 A1 WO2019193704 A1 WO 2019193704A1
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WO
WIPO (PCT)
Prior art keywords
tokens
payment
token
processing unit
risk product
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Application number
PCT/JP2018/014558
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French (fr)
Japanese (ja)
Inventor
憲一 野上
Original Assignee
インシェアランス株式会社
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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Publication date
Application filed by インシェアランス株式会社 filed Critical インシェアランス株式会社
Priority to JP2018523531A priority Critical patent/JP6467653B1/en
Priority to PCT/JP2018/014558 priority patent/WO2019193704A1/en
Publication of WO2019193704A1 publication Critical patent/WO2019193704A1/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance

Definitions

  • the present invention relates to a risk product support system that supports payment in virtual currency when predetermined payment conditions are satisfied for various risk products.
  • Insurers that provide conventional insurance products are required to have transparency, safety, and stability because they operate in accordance with the regulations of the Insurance Business Law.
  • conventional insurance products in the event that an insurance payment event occurs, the insurance company prepares capital corresponding to the maximum payment amount in order to guarantee payment of the insurance money.
  • the payment of insurance money will be huge if the event occurs, so underwriting by insurance companies is difficult, It may be restricted or acceptance may be denied in the first place.
  • Patent Document 1 By using the support system of Patent Document 1, it is possible to mitigate risks that cannot be covered by conventional insurance products. However, it is possible that many participants do not gather immediately after starting a business using such a support system. In this case, in the system of Patent Document 1, the effect of a large number of laws is limited, payment becomes unstable, and the spread of business may be hindered.
  • the present inventor adjusts the virtual currency issuance schedule when the payment condition is satisfied for the risk product and the payment token is insufficient.
  • a risk product support system that makes it possible to secure as much guarantee as possible.
  • a first aspect of the present invention is a risk product support system that performs processing related to a risk product, the risk product support system for a participant who satisfies a predetermined payment condition for a risk product with which the participant participates.
  • a payment token calculation processing unit for calculating the number of payment tokens to be paid, and when the payment token calculation processing unit determines that the payment token is insufficient, the risk for the shortage is determined. It is a risk product support system that allows additional issuance of virtual currency tokens used in products.
  • the risk product support system further includes an issue schedule setting processing unit for setting an issue schedule of a virtual currency used in the risk product, and the issue schedule setting processing unit is configured for the shortage.
  • the issue schedule setting processing unit is configured for the shortage.
  • the issuance schedule setting processing unit can reset the token issuance schedule to prevent a decline in the value of the token.
  • the risk product support system further includes a token issuance reduction limit frame setting processing unit that accepts setting of a token issuance reduction limit frame indicating a limit at which token issuance is reduced when the issuance schedule is reset.
  • the issuance schedule setting processing unit can be configured as a risk product support system that resets the token issuance schedule based on the token issuance reduction limit frame.
  • the issuance schedule setting processing unit re-establishes the number of tokens to be issued after additional token issuance using the number of issued tokens before resetting, the minimum guarantee rate, and the token issuance reduction limit frame. It can be configured like a risk product support system to be set.
  • the issuance schedule setting processing unit sets the number of issued tokens before resetting in the Nth period, b (N + 1 + r) in the N + 1 + r period, and r is a positive integer greater than or equal to 0 when additional tokens are issued , P is the minimum guarantee rate, ⁇ is a constant equal to or greater than 1, and m (N + 1, r) is the N + 1 + r period token issue decrease limit frame, the number of tokens issued in the N + 1 + r period is b (N + 1 + r) ⁇ p ⁇ ⁇ It can be configured like a risk product support system that is reset by calculating with ⁇ m (N + 1, r).
  • the payment token calculation processing unit is configured such that the total number of tokens pooled out of the number of participating tokens paid until the payment condition is generated and the number of tokens necessary for payment based on the minimum guarantee rate. If the number of tokens to be paid is not insufficient, the number of tokens to be paid per unit is calculated as the total number of tokens pooled out of the number of participating tokens paid until the payment condition occurs.
  • Risk product support system that calculates by dividing by the number of eligible units and calculates the number of payment tokens per unit by multiplying the number of participating tokens per unit by the minimum guarantee rate. It can be configured as follows.
  • the first invention can be realized by reading the program of the present invention into a computer and executing it. That is, a risk characterized by causing a computer to function as a payment token calculation processing unit that calculates the number of payment tokens to be paid to a participant who satisfies a predetermined payment condition for a risk product in which a participant participates.
  • the payment token calculation processing unit when it is determined that the payment token is insufficient, the payment token calculation processing unit additionally issues a virtual currency token used in the risk product for the shortage. It can be configured like a risk product support program.
  • the risk product support system of the present invention By using the risk product support system of the present invention, even if a large number of participants do not gather, such as immediately after the start of a business, it is possible to guarantee payment to participants by adjusting the virtual currency issuance schedule. It is possible to secure as much as possible. As a result, it becomes easier for participants to participate, and it can lead to the spread of business.
  • FIG. 1 It is a figure showing typically an example of the whole system composition of the risk goods support system of the present invention. It is a figure which shows typically an example of the hardware constitutions of the computer which implement
  • the risk product support system 1 is a computer that is used by an operator (including organizations and individuals such as companies and unions) that operates risk products.
  • the computer includes a server and a personal computer, but may be a portable communication terminal such as a tablet computer or a smartphone.
  • a risk product is a case where multiple participants participate in a risk product (conclude a contract) and participate within a predetermined period (for example, one year) that satisfies a predetermined payment condition. Calculated by a predetermined formula using the costs (costs in virtual currency) collected from participants (participants for which a predetermined event occurred or did not occur). The one where the virtual currency is paid.
  • Risk products use the law of a large number, and within a predetermined period (for example, one year), virtual currency by participants paid by multiple participants is given to participants who satisfy the payment conditions.
  • there is a risk-sharing product that pays virtual currency calculated by a formula for calculating treatment.
  • the risk product may include a conventional insurance product.
  • the risk product of the present invention is denominated in virtual currency, the payment to be made at the time of participation and payment when the payment conditions are satisfied are settled with the token of virtual currency.
  • a risk product management company can manage a virtual currency issuance schedule.
  • risk products targeted by the present invention there are, for example, huge risks such as earthquakes, tsunamis, and radiation damage caused by accidents at nuclear power plants, but the present invention is not limited to these. In addition, it is not a huge risk as long as it is for risk.
  • a tsunami is a product that is paid to a participant who has registered a tsunami when the tsunami of 1 meter or more on the ground surface arrives at the target point (payment conditions) from the start of the contract to a predetermined date.
  • An accident at a nuclear power plant is paid to the participant who registered the nuclear power plant in the event of a severe accident (payment condition) by the target nuclear power plant from the beginning of the contract to the specified date.
  • a plurality of payment conditions may be set and any one of them may be satisfied.
  • a plurality of periods may be set as predetermined dates, for example, the end of December every year. In this case, payment is made on a predetermined date.
  • Fig. 2 shows an example of the hardware configuration of a computer.
  • the computer includes an arithmetic device 70 such as a CPU for executing arithmetic processing of a program, a storage device 71 such as a RAM and a hard disk for storing information, processing results of the arithmetic device 70 and information stored in the storage device 71 on the Internet, And a communication device 74 that transmits and receives via a network such as a LAN.
  • Each drawing shows a case where each computer is realized by one computer, but the functions may be distributed and realized by a plurality of computers.
  • Each means in the present invention is logically distinguished from each other in function, and may be physically or practically the same area.
  • the risk product support system 1 may function on a server, a cloud server, an unspecified number of computers mounted with a block chain, or the server.
  • the risk product support system 1 can transmit / receive information to / from the participant terminal 2 which is a computer used by a participant who participates in the risk product provided by the operator via a network such as the Internet.
  • the risk product support system 1 includes an issue schedule setting processing unit 10, a token issue decrease limit frame setting processing unit 11, a minimum guarantee rate setting processing unit 12, a token issue processing unit 13, a product information storage unit 14, and a product information provision processing unit 15.
  • a participation application reception processing unit 16 a participant information storage unit 17, a token storage processing unit 18, a payment reception processing unit 19, a payment token calculation processing unit 20, and a token transfer processing unit 21.
  • the issuance schedule setting processing unit 10 sets an issuance schedule for issuing virtual currency tokens to be used for risk products in virtual currency. If a token is issued at a timing different from the set issuance schedule, it is necessary to adjust the issuance schedule. In this case, a process for resetting the token issuance schedule is executed.
  • the issuance schedule setting processing unit 10 sets the number of tokens issued for each issuance in a virtual currency that issues tokens with a finite or infinite number of issuances. For example, assume that the number of issuances is 10, and the total number of issuances is 100,000 as an initial value, and is increased at a constant rate of 2% for each issuance. In this case, if no additional tokens are issued, the token issuance schedule is as shown in FIG. The token issuance schedule resetting process will be described later.
  • the token issue decrease limit frame setting processing unit 11 accepts setting of a token issue decrease limit frame indicating a limit at which token issuance is reduced when resetting the issue schedule. Since the miners of virtual currency tokens are making capital investments for mining, in addition to stabilizing the price of tokens, expect the stability of the number of tokens issued. For this reason, it is preferable for minors to show the possibility of a decrease in the number of scheduled issuances in the token issuance schedule due to resetting. Therefore, this decrease limit is set as the token issue decrease limit frame.
  • the total is set as the token issue reduction total limit frame.
  • the token issuance reduction limit frame can be set by various arithmetic expressions. For example, setting the token issuance reduction limit frame as a fixed percentage of the latest number of tokens to be issued is preferable because it is easy to understand the minor.
  • the minimum guarantee rate setting processing unit 12 accepts the setting of the minimum guarantee rate.
  • the minimum guarantee rate setting processing unit 12 calculates the payment rate occurrence rate for each attribute of the participant.
  • the minimum guarantee rate is the rate paid when payment conditions occur with respect to the number of tokens paid at the time of participation. As a rule, the minimum guarantee rate is 100%. However, when a large amount of additional tokens are issued to guarantee the minimum guarantee, a value lower than 100% is set according to the following arithmetic expression.
  • Minimum guarantee rate MIN ⁇ 1, (M (N, ⁇ ) + P (N ⁇ 1)) / U (i, N ⁇ 1) ⁇
  • M (N, ⁇ ) is the total limit for token issuance reduction after N period
  • P (N-1) is the number of tokens pooled by the end of (N-1)
  • U (i, N-1) Is the assumed number of payouts for accident i in (N-1) period.
  • the token issue processing unit 13 executes a process for issuing tokens in the quantity determined by the issue schedule in accordance with the issue schedule in the issue schedule setting processing unit 10. In addition, when an instruction to issue a token, which will be described later, is received, a process for issuing a token is executed.
  • the product information storage unit 14 stores information on risk products.
  • Risk products include target events, payment periods (for example, monthly or annually from January 1 to the end of December), contract dates, contract expiration dates, payment terms, waiting periods, and start periods after the end of the waiting period.
  • There are various information such as the end date (predetermined date) of the payment target period, the payment request period, and certification information, and the product information storage unit 14 stores these information.
  • FIG. 5 schematically shows an example of the product information storage unit 14.
  • information related to risk products information related to virtual currency tokens may be stored. For example, a token issuance schedule, a token issuance reduction limit frame, a minimum guarantee rate, and the like may be stored as information about the token.
  • the risk product support system 1 accepts input of information such as advertising expense revenue, donation revenue, donated items and the number of items on the web page related to the risk product, and stores them in the product information storage unit 14. It may be allowed. Further, when carry forward is carried out for the same risk product, the token number of the token (the number of pooled tokens) is stored in the product information storage unit 14.
  • the product information provision processing unit 15 extracts information on the risk product stored in the product information storage unit 14 from the product information storage unit 14 and causes the participant terminal 2 to display the information.
  • the participation application reception processing unit 16 receives application information for participating in the risk product from the participant terminal 2 and stores information on the application for participation in the product in the participant information storage unit 17 described later.
  • participation application information includes participant identification information such as information identifying the individual, name, age, address, contact information such as e-mail address and telephone number, and identification information of the participating product. It is good to memorize information about participating products, such as the number of participants, the participation date and time (application date and time), and the period.
  • the participant information storage unit 17 includes the number of participating tokens (the number of virtual currency tokens; the same applies hereinafter) and It stores information such as the presence / absence of storage, whether there was a payment request, the number of payment tokens (the number of tokens in virtual currency, the same applies hereinafter), and certificates.
  • the token storage processing unit 18 receives storage (collection) of the number of participating tokens to be paid for the risk product that the participant has participated in. When the storage is accepted, the information is stored in the participant information storage unit 17. As for the number of participating tokens, the number of participating tokens up to a predetermined date may be paid in a lump sum or may be paid monthly. In addition, payment fees, etc. may be separately sought from participants, or included in the fees for participation.
  • the payment acceptance processing unit 19 accepts a payment request from the participant terminal 2 when there is a participant who satisfies a predetermined payment condition for the risk product to which the participant participates, and the participant confirms that the payment request has been made.
  • the information is stored in the information storage unit 17. If a certificate is required at the time of payment request, the information is received from the participant terminal 2 by image information or the like, and the received certificate information is stored in the participant information storage unit 17. In this case, the certificate information stored in the participant information storage unit 17 is displayed by the operator by a predetermined method, and after confirmation by the operator, processing in a payment token calculation processing unit 20 described later is performed. May be.
  • information (flag or the like) indicating whether or not the certificate is confirmed by the operator is stored in association with the certificate information in the participant information storage unit 17, and the information is input from the computer operated by the operator. May be received by the risk product support system 1 and stored in the participant information storage unit 17.
  • the payment token calculation processing unit 20 calculates the number of payment tokens per unit to be paid to the participant who made the payment request received by the payment reception processing unit 19.
  • the number of payment tokens per unit is calculated as follows.
  • the total number of tokens pooled out of the number of participating tokens paid up to the Nth time is compared with the number of tokens required for payment based on the minimum guarantee rate.
  • the number of payment tokens per unit is calculated by calculating the total number of tokens pooled out of the number of participating tokens paid up to the Nth time divided by the number of payment target units.
  • the payment target number is the total number of participants who have satisfied the payment conditions of the risk product within a predetermined period or the number of participants who have requested payment among the participants.
  • the token issuance processing unit 13 is instructed to issue additional tokens for the shortage, and performs additional issuance of the number of missing tokens. Further, if the value of the token itself decreases due to the additional issuance of the token, the effect of reducing the risk due to the accident, which is the original purpose, will be reduced.
  • the token issuance schedule is reset by resetting the issuance schedule.
  • the payment token calculation processing unit 20 may discount the number of payment tokens per unit of the participant whose start has started from the middle of the predetermined period.
  • a fee (in virtual currency) may be collected from the number of tokens paid per unit.
  • the fee is a fee for the operator who operates the risk product, and can be arbitrarily set, for example, a fixed amount, a proportion by the number of units or payment tokens, or a combination thereof.
  • the payment token calculation processing unit 20 extracts information on the number of tokens from the product information storage unit 14 when there is advertising revenue or donation revenue obtained from the website operated by the operator, and N It may be added to the total number of tokens pooled out of the number of participating tokens paid up to the first time as a population parameter.
  • payment may be made in advance for a part, or refund may be paid at the time of cancellation or contract expiration.
  • the payment token calculation processing unit 20 stores only the number of participants for which confirmation information is stored in the participant information storage unit 17 when the information on whether or not the certificate is confirmed is stored. It is good to do.
  • the token transfer processing unit 21 performs a process of transferring the number of payment tokens calculated by the payment token calculation processing unit 20 to a participant who meets the payment conditions. That is, a process of transferring the calculated number of payment tokens to a virtual currency account (wallet) designated by a participant who has requested payment is executed.
  • a virtual currency account wallet
  • the issuance schedule setting processing unit 10 sets the issuance schedule of the virtual currency used for the risk product (S100).
  • the issue schedule can be set arbitrarily and accepts its input.
  • An example of the token issuance schedule in the initial state is shown in FIG.
  • the token issue reduction limit frame setting processing unit 11 accepts an input of the token issue decrease limit frame (S110).
  • the token issue reduction limit frame can be set arbitrarily, and can be set as appropriate, for example, 20% of the issue schedule.
  • FIG. 6 shows an example of a state in which the setting of the token issue reduction limit frame is accepted.
  • the minimum guarantee rate setting processing unit 12 accepts the setting of the minimum guarantee rate per unit in the risk product (S120).
  • the operator of the risk product support system 1 stores information on the risk product that has been prepared in advance in the product information storage unit 14.
  • the number of participating tokens per unit for each risk product is set and stored in the product information storage unit 14.
  • the token issuance processing unit 13 issues a virtual currency token according to the issuance schedule until the issuance period (but may be issued forever) ends (S130).
  • the risk product support system 1 accepts a participation application (S150), and the participation application acceptance processing unit 16 executes a participation application acceptance process. That is, a participant who wants to apply for participation in a risk product provided by the risk product support system 1 (participant wanting to participate) accesses the risk product support system 1 by performing a predetermined operation on the participant terminal 2. Then, the product information provision processing unit 15 refers to the product information storage unit 14, extracts information on the risk product registered in the risk product support system 1, and sends it to the participant terminal 2. For example, when the product information storage unit 14 is shown in FIG. 5, information on risk products related to earthquakes, tsunamis, nuclear accidents, etc. is extracted and sent to the participant terminal 2.
  • the participant terminal 2 When the participant terminal 2 receives information on the risk product, the participant (participant who wants to participate) browses the information on the participant terminal 2 and selects the risk product for which participation is desired. Information that the risk product has been selected is sent from the participant terminal 2 to the risk product support system 1. Upon receiving information that the risk product selected by the participation application reception processing unit 16 has been selected, the participation application reception processing unit 16 inputs necessary information corresponding to the selected risk product stored in the product information storage unit 14. The screen is transmitted to the participant terminal 2.
  • the necessary information input screen may include information necessary for application for participation in the product information storage unit 14 shown in FIG.
  • FIG. 7 shows an example of the necessary information input screen.
  • FIG. 7 shows an example of a necessary information input screen when applying for a risk product of “nuclear accident”.
  • the participation application acceptance processing unit 16 accepts it.
  • the participation application reception processing unit 16 uses the product information storage unit 14 based on the information input on the necessary information input screen. Information on the number of participating tokens per unit of the risk product to be stored is extracted and sent to the participant terminal 2.
  • the reason for sending the number of participating tokens after receiving the input of necessary information first is that, for example, in the case of a “nuclear accident”, the probability of payment conditions varies depending on the target area. Therefore, the merchandise information storage unit 14 stores the number of participating tokens per unit corresponding to the payment conditions.
  • On the necessary information input screen information that can specify the number of participating tokens per unit corresponding to the payment conditions. It is good to be able to input.
  • the participation application reception processing unit 16 receives the information on the participation number and accepts the participation application.
  • the processing unit 16 calculates the number of participating tokens according to the number of participating units and sends the information to the participant terminal 2.
  • Participant terminal 2 displays the information on the number of participating tokens and confirms that there is no particular problem. At this time, the information input and displayed as described above, for example, necessary information, the number of participants, and the number of participating tokens to be paid may be displayed on the participant terminal 2. Further, the minimum guarantee rate may be extracted from the product information storage unit 14 and displayed on the participant terminal 2. When the participant terminal 2 accepts a selection such as “Apply for participation” after confirming the participant, information of the confirmed participation application is sent from the participant terminal 2 to the risk product support system 1, It is received by the participation application reception processing unit 16.
  • the participation application reception processing unit 16 when information on the confirmed participation application is received from the participant terminal 2, information such as information received on the necessary information input screen, the number of participation units, and the number of participation tokens is stored in the participant information storage unit 17. Let At this time, identification information for identifying the participant is automatically given. Information indicating whether or not the number of participating tokens is stored is stored as information indicating “unpaid”.
  • the number of tokens that have been deposited is compared with the required number of participating tokens. Accept and store transfers for the required number of participating tokens from the number of tokens being stored. If the former is less than the latter, the transfer of the insufficient token number between the number of tokens entrusted and the required number of participating tokens is accepted and stored together with the entrusted token.
  • the token storage processing unit 18 changes the information indicating whether or not the participant's participation token number stored in the participant information storage unit 17 is stored into information indicating “stored”. deep.
  • the payment request is processed from the person terminal 2.
  • the payment acceptance process The unit 19 sends a screen for requesting payment to the participant terminal 2.
  • the participant inputs the participant's name, personal identification information, authentication information such as a password, and image information of a document that proves that the payment condition has been satisfied at the participant terminal 2.
  • the information is sent from the participant terminal 2 to the risk product support system 1 by performing a predetermined operation.
  • the payment acceptance processing unit 19 accepts each piece of information input on the screen for requesting payment from the participant terminal 2 and stores it in the participant information storage unit 17 together with the date when the payment is requested.
  • Payment request processing can be performed by executing the above processing.
  • the appropriateness of payment conditions is determined by reports, so it is not necessary to submit certificates.
  • the satisfaction of payment conditions can be automatically determined without waiting for a request from a participant, it may be set to automatically request payment by batch processing.
  • the risk product support system 1 that has received the payment request executes the calculation processing of the number of payment tokens after the expiration of the payment target period of the risk product (S180).
  • the payment token calculation processing unit 20 selects participants participating in the risk product based on the information on the risk product stored in the product information storage unit 14 and the participant information stored in the participant information storage unit 17. Identify. The total number of pooled tokens is then calculated. In addition, the total number of participants corresponding to the payment conditions is calculated based on the participant information storage unit 17.
  • the payment token calculation processing unit 20 performs the payment based on the total number of tokens pooled among the number of participating tokens paid up to the Nth time and the minimum guarantee rate. Are compared with the required number of tokens (S190).
  • the number of payment tokens per unit is calculated by calculating the total number of tokens pooled out of the number of participating tokens paid up to the Nth time divided by the number of payment target units.
  • the issuance schedule setting processing unit 10 executes the following process.
  • the number of tokens issued in the N + 1 + r period after the N + 1 period is b (N + 1 + r) ⁇ p ⁇ ⁇ ⁇ m (N + 1, r) Reset with.
  • b (N + 1 + r) is the number of issued tokens before resetting in the N + 1 + r period
  • ⁇ is a constant greater than or equal to 1 and a predetermined value
  • m (N + 1, r) is a token issue reduction limit frame in the N + 1 + r period.
  • b (x) is a function with x as a variable, but it may be a multivariable function with other variables (e.g., economic index, exchange ratio of token and legal currency).
  • the token transfer processing unit 21 calculates the number of payment tokens to be paid according to the number of participating units. Then, a transfer process is performed on the participants corresponding to the payment conditions to the virtual currency account (wallet) designated by each participant (S220).
  • risk products that can be participated in the risk product support system 1 described above may be automatically renewable, or an application for renewal may be accepted.
  • the participant When accepting an application for renewal instead of automatic renewal, the participant performs a predetermined operation from the participant terminal 2 in the same manner as the participation application, so that the risk product that has been applied for is displayed and "update” etc.
  • the update process may be executed by accepting the selection.
  • the attribute information is not used as it is, and when there is information that should be newly received at the time of update, only such information is received. May be.
  • a remittance fee or a contract broker may be configured to pay a predetermined fee.
  • the risk product support system 1 of the present invention By using the risk product support system 1 of the present invention, even if a large number of participants do not gather, such as immediately after the start of business, a guarantee to pay the participants by adjusting the virtual currency issuance schedule It is possible to secure as much as possible. As a result, it becomes easier for participants to participate, and it can lead to the spread of business.

Abstract

The present invention relates to a risk product assistance system for assisting in paying in virtual currency when predetermined payment conditions are satisfied for each type of risk product. This risk product assistance system performs processing relating to risk products, and comprises a payment token calculation processing unit which calculates the number of payment tokens to be paid to each participant participating in a risk product, if the participant satisfies predetermined payment conditions, wherein if it is determined that there is a payment token shortage, the payment token calculation processing unit causes virtual currency tokens used for the risk product to be additionally issued in order to accommodate the shortage.

Description

リスク商品支援システムRisk product support system
　本発明は，各種リスク商品について，所定の支払条件を充足した場合には仮想通貨による支払いを行うことを支援するリスク商品支援システムに関する。 The present invention relates to a risk product support system that supports payment in virtual currency when predetermined payment conditions are satisfied for various risk products.
　交通事故や死亡事故などが発生した場合には被害や損害が発生するので，それを保障や補填するため，保険が利用されることが多い。保険は保険業法のもと，各保険会社によって，リスクに応じた各種保険商品が提供されている。 In the event of a traffic accident or death, damage or damage will occur, so insurance is often used to guarantee or compensate for it. In insurance, various insurance products are provided according to risk by each insurance company under the Insurance Business Law.
　従来の保険商品においては，保険金を支払う事象が発生した場合には，法人の場合には資本金，証券化商品の場合には元本，ロイズ保険組合のような場合にはリスクを引き受けた者の財産が，それぞれ支払いの担保として危険にさらされることとなる。そのため，当然，リスクに応じたリターンが要求される。 In conventional insurance products, when an event for paying insurance claims occurred, capital was taken in the case of corporations, principal was taken in the case of securitized products, and risk was taken in cases such as Lloyds insurance associations. Each person's property is at risk as collateral for payment. Therefore, of course, a return corresponding to the risk is required.
　従来の保険商品を提供している保険会社は，保険業法の規制に則って事業を行うことから，透明性，安全性，安定性が特に求められている。従来の保険商品においては，保険を支払う事象が発生した場合，保険金の支払を保証するため，保険会社は，最大支払額に見合った資本金を準備している。しかし，たとえば津波，地震，放射能被害などの巨大リスクについては，仮にその事象が発生した場合の保険金の支払いが巨額になることが想定されるので，保険会社による引受が困難であったり，制限されたり，そもそも引受が拒否される場合がある。 Insurers that provide conventional insurance products are required to have transparency, safety, and stability because they operate in accordance with the regulations of the Insurance Business Law. In conventional insurance products, in the event that an insurance payment event occurs, the insurance company prepares capital corresponding to the maximum payment amount in order to guarantee payment of the insurance money. However, for huge risks such as tsunamis, earthquakes, radiation damage, etc., it is assumed that the payment of insurance money will be huge if the event occurs, so underwriting by insurance companies is difficult, It may be restricted or acceptance may be denied in the first place.
　しかし上述のような，従来の保険商品では引受が困難，制限される，拒否されるなどのリスクであっても，そのリスクを参加者間でシェアすることによってリスク移転を行えば，参加者にリスク緩和（risk mitigation）という経済的利益をもたらすことができる。それを実現する仕組みを支援する支援システムとして，発明者による下記特許文献が存在する。 However, even if the risk is difficult, limited, or rejected by conventional insurance products as described above, if the risk is transferred by sharing the risk among participants, It can bring economic benefits of risk mitigation. The following patent documents by the inventor exist as a support system that supports a mechanism for realizing this.
特許第６１０５１７７号Patent No. 6105177
　特許文献１の支援システムを用いることで，従来の保険商品ではカバーしきれないリスクについて，リスクを緩和することができる。しかし，かかる支援システムを利用した事業を開始した直後などでは，多くの参加者が集まらないことも考えられる。この場合，特許文献１のシステムでは，大数の法則の効果が限定的となり，支払が不安定となって，事業の普及が阻害される可能性がある。 By using the support system of Patent Document 1, it is possible to mitigate risks that cannot be covered by conventional insurance products. However, it is possible that many participants do not gather immediately after starting a business using such a support system. In this case, in the system of Patent Document 1, the effect of a large number of laws is limited, payment becomes unstable, and the spread of business may be hindered.
　そこで本発明者は，上記課題に鑑み，リスク商品について，支払条件を充足した場合であって，支払トークンの不足が発生した場合には，仮想通貨の発行スケジュールを調整することで，参加者に対して支払う保証を極力確保することを可能とするリスク商品支援システムを発明した。 Therefore, in view of the above problems, the present inventor adjusts the virtual currency issuance schedule when the payment condition is satisfied for the risk product and the payment token is insufficient. We have invented a risk product support system that makes it possible to secure as much guarantee as possible.
　第１の発明は，リスク商品に関する処理を行うリスク商品支援システムであって，前記リスク商品支援システムは，参加者が参加をしたリスク商品について，あらかじめ定めた支払条件を充足した参加者に対して支払う支払トークン数を算出する支払トークン算出処理部，を有しており，前記支払トークン算出処理部は，前記支払トークンが不足していることを判定した場合には，前記不足分について，前記リスク商品で用いる仮想通貨のトークンの追加発行を行わせる，リスク商品支援システムである。 A first aspect of the present invention is a risk product support system that performs processing related to a risk product, the risk product support system for a participant who satisfies a predetermined payment condition for a risk product with which the participant participates. A payment token calculation processing unit for calculating the number of payment tokens to be paid, and when the payment token calculation processing unit determines that the payment token is insufficient, the risk for the shortage is determined. It is a risk product support system that allows additional issuance of virtual currency tokens used in products.
　支払トークンが不足している場合には，従来は保険会社の資本金などによって，支払が担保されることとなる。しかし，それでは経営に対するリスクが発生するため，巨大リスクなどに対応することができない。そこで，リスク商品に対して仮想通貨を用い，仮に支払うトークン数が不足していることを判定した場合には，トークンを追加発行させることによって，支払トークンの不足に対応することが可能となり，また経営に対するリスクの発生も防止することができる。 If there is a shortage of payment tokens, payment will be secured by capital of the insurance company. However, this creates a risk to management and cannot handle huge risks. Therefore, when using virtual currency for risk products and determining that the number of tokens to be paid is insufficient, it is possible to deal with the shortage of payment tokens by issuing additional tokens. Risks to management can be prevented.
　上述の発明において，前記リスク商品支援システムは，さらに，リスク商品で用いる仮想通貨の発行スケジュールを設定する発行スケジュール設定処理部，を有しており，前記発行スケジュール設定処理部は，前記不足分についてトークンの追加発行をした場合には，トークンの発行スケジュールの再設定処理を行う，リスク商品支援システムのように構成することができる。 In the above-described invention, the risk product support system further includes an issue schedule setting processing unit for setting an issue schedule of a virtual currency used in the risk product, and the issue schedule setting processing unit is configured for the shortage. When additional tokens are issued, it can be configured as a risk product support system that resets the token issue schedule.
　トークンの追加発行によってトークンそのものの価値が下落してしまえば，仮想通貨のトークンで支払を受けたとしても，本来の目的である事故によるリスクの軽減の効果を減じることになってしまう。そこで，本発明のように，発行スケジュール設定処理部において，トークンの発行スケジュールを再設定することによって，トークンの価値の下落を抑止させることが可能となる。 If the value of the token itself decreases due to the additional issuance of tokens, even if payment is made with a virtual currency token, the effect of reducing the risk due to an accident, which is the original purpose, will be reduced. Thus, as in the present invention, the issuance schedule setting processing unit can reset the token issuance schedule to prevent a decline in the value of the token.
　上述の発明において，前記リスク商品支援システムは，さらに，前記発行スケジュールを再設定する際の，トークンの発行が減少する限度を示すトークン発行減少限度枠の設定を受け付けるトークン発行減少限度枠設定処理部，を有しており，前記発行スケジュール設定処理部は，前記トークン発行減少限度枠に基づいて，前記トークンの発行スケジュールの再設定処理を行う，リスク商品支援システムのように構成することができる。 In the above invention, the risk product support system further includes a token issuance reduction limit frame setting processing unit that accepts setting of a token issuance reduction limit frame indicating a limit at which token issuance is reduced when the issuance schedule is reset. The issuance schedule setting processing unit can be configured as a risk product support system that resets the token issuance schedule based on the token issuance reduction limit frame.
　トークンの発行スケジュールの再設定を行う場合には，トークンのマイナーに対する配慮も必要である。すなわち，仮想通貨のトークンのマイナーは，マイニングのために設備投資等を行っているため，トークンの価格が安定することに加え，トークンの発行数の安定性を期待している。そのため，トークンの発行スケジュールにおける予定発行数のうち，再設定により減少する可能性を示すことが，マイナーに対しては好ましい。そこで，この減少する限度を，トークン発行減少限度枠として設定することで，トークンの追加発行による価値の下落の抑止と，マイナーに対する期待の維持を図ることができる。 When resetting the token issuance schedule, it is necessary to consider token minors. In other words, the miners of virtual currency tokens are making capital investments for mining, so in addition to stabilizing the price of tokens, expect the stability of the number of tokens issued. For this reason, it is preferable for minors to show the possibility of a decrease in the number of scheduled issuances in the token issuance schedule due to resetting. Therefore, by setting this decreasing limit as a token issuance decrement limit frame, it is possible to prevent a decline in value due to additional issuance of tokens and maintain expectations for minors.
　上述の発明において，前記発行スケジュール設定処理部は，トークンの追加発行を行った以降に発行するトークン数を，再設定前の発行トークン数と最低保証率とトークン発行減少限度枠とを用いて再設定する，リスク商品支援システムのように構成することができる。 In the above-described invention, the issuance schedule setting processing unit re-establishes the number of tokens to be issued after additional token issuance using the number of issued tokens before resetting, the minimum guarantee rate, and the token issuance reduction limit frame. It can be configured like a risk product support system to be set.
　上述の発明において，前記発行スケジュール設定処理部は，トークンの追加発行を行ったときを第Ｎ期，ｂ（Ｎ＋１＋ｒ）をＮ＋１＋ｒ期の再設定前の発行トークン数，ｒを０以上の正の整数，ｐを最低保証率，σを１以上の定数，ｍ（Ｎ＋１，ｒ）をＮ＋１＋ｒ期のトークン発行減少限度枠としたとき，Ｎ＋１＋ｒ期に発行するトークン数を，ｂ（Ｎ＋１＋ｒ）－ｐ×σ×ｍ（Ｎ＋１，ｒ）で演算することで再設定する，リスク商品支援システムのように構成することができる。 In the above-described invention, the issuance schedule setting processing unit sets the number of issued tokens before resetting in the Nth period, b (N + 1 + r) in the N + 1 + r period, and r is a positive integer greater than or equal to 0 when additional tokens are issued , P is the minimum guarantee rate, σ is a constant equal to or greater than 1, and m (N + 1, r) is the N + 1 + r period token issue decrease limit frame, the number of tokens issued in the N + 1 + r period is b (N + 1 + r) −p × σ It can be configured like a risk product support system that is reset by calculating with × m (N + 1, r).
　トークンの発行スケジュールの再設定は，さまざまな方法を用いることができるが，これらの発明のように再設定することで，トークンの追加発行による価値の下落の抑止と，マイナーに対する期待の維持を図ることができる。 Various methods can be used to reset the token issuance schedule. By resetting as in these inventions, the decline in value due to the additional issuance of tokens and the expectation of miners are maintained. be able to.
　上述の発明において，前記支払トークン算出処理部は，支払条件が発生するまでに支払われた参加トークン数のうちプールされているトークン数の合計と，最低保証率に基づく支払のための必要トークン数とを比較し，支払トークン数が不足していない場合には，一口あたりの支払トークン数を，支払条件が発生するまでに支払われた参加トークン数のうちプールされているトークン数の合計を支払対象口数で除して算出し，支払トークン数が不足している場合には，一口あたりの支払トークン数を，一口あたりの参加トークン数に最低保証率を乗算して算出する，リスク商品支援システムのように構成することができる。 In the above-described invention, the payment token calculation processing unit is configured such that the total number of tokens pooled out of the number of participating tokens paid until the payment condition is generated and the number of tokens necessary for payment based on the minimum guarantee rate. If the number of tokens to be paid is not insufficient, the number of tokens to be paid per unit is calculated as the total number of tokens pooled out of the number of participating tokens paid until the payment condition occurs. Risk product support system that calculates by dividing by the number of eligible units and calculates the number of payment tokens per unit by multiplying the number of participating tokens per unit by the minimum guarantee rate. It can be configured as follows.
　支払条件に該当した参加者に対して支払う支払トークン数は，本発明のように算出することが好ましい。 It is preferable to calculate the number of payment tokens to be paid to participants who meet the payment conditions as in the present invention.
　第１の発明は，本発明のプログラムをコンピュータに読み込ませて実行することで，実現可能である。すなわち，コンピュータを，参加者が参加をしたリスク商品について，あらかじめ定めた支払条件を充足した参加者に対して支払う支払トークン数を算出する支払トークン算出処理部，として機能させることを特徴とするリスク商品支援プログラムであって，前記支払トークン算出処理部は，前記支払トークンが不足していることを判定した場合には，前記不足分について，前記リスク商品で用いる仮想通貨のトークンの追加発行を行わせる，リスク商品支援プログラムのように構成することができる。 The first invention can be realized by reading the program of the present invention into a computer and executing it. That is, a risk characterized by causing a computer to function as a payment token calculation processing unit that calculates the number of payment tokens to be paid to a participant who satisfies a predetermined payment condition for a risk product in which a participant participates. In the product support program, when it is determined that the payment token is insufficient, the payment token calculation processing unit additionally issues a virtual currency token used in the risk product for the shortage. It can be configured like a risk product support program.
　本発明のリスク商品支援システムを用いることによって，事業の開始直後など，多くの参加者が集まらない場合であっても，仮想通貨の発行スケジュールを調整することで，参加者に対して支払う保証を極力確保することを可能とする。その結果，参加者にとって参加がしやすくなり，事業の普及の拡大につなげることができる。 By using the risk product support system of the present invention, even if a large number of participants do not gather, such as immediately after the start of a business, it is possible to guarantee payment to participants by adjusting the virtual currency issuance schedule. It is possible to secure as much as possible. As a result, it becomes easier for participants to participate, and it can lead to the spread of business.
本発明のリスク商品支援システムの全体のシステム構成の一例を模式的に示す図である。It is a figure showing typically an example of the whole system composition of the risk goods support system of the present invention. 本発明のリスク商品支援システムを実現するコンピュータのハードウェア構成の一例を模式的に示す図である。It is a figure which shows typically an example of the hardware constitutions of the computer which implement | achieves the risk goods assistance system of this invention. 本発明のリスク商品支援システムの全体の処理プロセスの一例を示すフローチャートである。It is a flowchart which shows an example of the whole processing process of the risk goods support system of this invention. トークンの発行スケジュールの一例を模式的に示す図である。It is a figure which shows an example of the issuance schedule of a token typically. 商品情報記憶部の一例を模式的に示す図である。It is a figure which shows an example of a merchandise information storage part typically. トークン発行減少限度枠の設定を受け付けた状態の一例を模式的に示す図である。It is a figure which shows typically an example of the state which received the setting of the token issue reduction limit frame. 必要情報入力画面の一例を模式的に示す図である。It is a figure which shows an example of a required information input screen typically.
　本発明のリスク商品支援システム１の全体の構成の一例を図１に示す。リスク商品支援システム１は，リスク商品を運営する運営者（企業や組合などの組織，個人も含む）で利用するコンピュータである。コンピュータにはサーバやパーソナルコンピュータなどが含まれるが，タブレット型コンピュータ，スマートフォンなどの可搬型通信端末であってもよい。 An example of the overall configuration of the risk product support system 1 of the present invention is shown in FIG. The risk product support system 1 is a computer that is used by an operator (including organizations and individuals such as companies and unions) that operates risk products. The computer includes a server and a personal computer, but may be a portable communication terminal such as a tablet computer or a smartphone.
　本発明においては，運営者が提供するリスク商品に対して，最低保証を行うことを支援する。リスク商品とは，複数の参加者がリスク商品への参加（契約の締結）をした場合であって，あらかじめ定められた期間内（たとえば１年間）に，あらかじめ定められた支払条件を充足した参加者（あらかじめ定められた事象が発生したまたは発生しなかった参加者）に対し，その参加者からの参加の際に徴収した費用（仮想通貨による費用）を用いて，所定の算出式で算出される仮想通貨が支払われるものをいう。リスク商品としては，大数の法則を利用しており，あらかじめ定められた期間内（たとえば１年間）に，複数の参加者が支払った参加者による仮想通貨を，支払条件を充足した参加者に対して，処置の算出式で算出される仮想通貨を支払うリスクシェアリング商品がある。また，リスク商品には，従来からの保険商品が含まれてもよい。また，本発明のリスク商品は仮想通貨建てであるので，参加の際に徴収する費用，支払条件を充足した場合の支払は，仮想通貨のトークンによって精算が行われる。さらに，リスク商品の運営会社は，仮想通貨の発行スケジュールを管理することが可能である。 In the present invention, the minimum guarantee is supported for the risk product provided by the operator. A risk product is a case where multiple participants participate in a risk product (conclude a contract) and participate within a predetermined period (for example, one year) that satisfies a predetermined payment condition. Calculated by a predetermined formula using the costs (costs in virtual currency) collected from participants (participants for which a predetermined event occurred or did not occur). The one where the virtual currency is paid. Risk products use the law of a large number, and within a predetermined period (for example, one year), virtual currency by participants paid by multiple participants is given to participants who satisfy the payment conditions. On the other hand, there is a risk-sharing product that pays virtual currency calculated by a formula for calculating treatment. The risk product may include a conventional insurance product. In addition, since the risk product of the present invention is denominated in virtual currency, the payment to be made at the time of participation and payment when the payment conditions are satisfied are settled with the token of virtual currency. Furthermore, a risk product management company can manage a virtual currency issuance schedule.
　本発明で対象とするリスク商品としては，たとえば，地震，津波，原子力発電所の事故による放射能被害などの巨大リスクが一例としてあるが，これらに限定するものではない。また巨大リスクでなくともリスクに対するものであればよい。 As examples of risk products targeted by the present invention, there are, for example, huge risks such as earthquakes, tsunamis, and radiation damage caused by accidents at nuclear power plants, but the present invention is not limited to these. In addition, it is not a huge risk as long as it is for risk.
　たとえば地震は，契約開始時から所定期日までに対象地点から所定範囲内，たとえば半径２５マイル（４０キロ）の範囲内で，マグニチュード７以上の地震が発生した（支払条件）場合に，その地点を登録した参加者に支払われる商品である。津波は契約開始時から所定期日までに，たとえば対象地点で地表１メートル以上の津波が到達した（支払条件）場合に，その地点を登録した参加者に支払われる商品である。原子力発電所の事故は，契約開始時から所定期日までに対象となる原子力発電所による過酷事故（severe accident）が発生した（支払条件）場合に，その原子力発電所を登録した参加者に支払われる商品である。なお，複数の支払条件を設定し，そのいずれかを満たす場合としてもよい。 For example, if an earthquake occurs within a predetermined range from the target point, for example, within a radius of 25 miles (40 km) from the beginning of the contract to the specified date, the earthquake will occur at that point (payment terms). It is a product paid to the participant who registered. A tsunami is a product that is paid to a participant who has registered a tsunami when the tsunami of 1 meter or more on the ground surface arrives at the target point (payment conditions) from the start of the contract to a predetermined date. An accident at a nuclear power plant is paid to the participant who registered the nuclear power plant in the event of a severe accident (payment condition) by the target nuclear power plant from the beginning of the contract to the specified date. Product. A plurality of payment conditions may be set and any one of them may be satisfied.
　これらの商品において，所定期日は，たとえば，毎年１２月末日のように，複数の期間を設定してもよい。この場合は，支払いは所定期日ごとに行われる。 In these products, a plurality of periods may be set as predetermined dates, for example, the end of December every year. In this case, payment is made on a predetermined date.
　図２にコンピュータのハードウェア構成の一例を示す。コンピュータには，プログラムの演算処理を実行するＣＰＵなどの演算装置７０と，情報を記憶するＲＡＭやハードディスクなどの記憶装置７１と，演算装置７０の処理結果や記憶装置７１に記憶する情報をインターネットやＬＡＮなどのネットワークを介して送受信する通信装置７４とを有している。また，ディスプレイなどの表示装置７２と，キーボードやポインティングデバイス（マウスやテンキーなど）などの入力装置７３とを有していてもよい。 Fig. 2 shows an example of the hardware configuration of a computer. The computer includes an arithmetic device 70 such as a CPU for executing arithmetic processing of a program, a storage device 71 such as a RAM and a hard disk for storing information, processing results of the arithmetic device 70 and information stored in the storage device 71 on the Internet, And a communication device 74 that transmits and receives via a network such as a LAN. Moreover, you may have the display apparatuses 72, such as a display, and input devices 73, such as a keyboard and a pointing device (a mouse | mouth, a numeric keypad, etc.).
　なお，各図面では，各コンピュータが一台のコンピュータで実現される場合を示したが，複数台のコンピュータにその機能が分散配置され，実現されてもよい。本発明における各手段は，その機能が論理的に区別されているのみであって，物理上あるいは事実上は同一の領域を為していてもよい。また，リスク商品支援システム１を，サーバ，クラウドサーバやブロックチェーンを実装した不特定多数のコンピュータやそのサーバなどで機能させてもよい。 Each drawing shows a case where each computer is realized by one computer, but the functions may be distributed and realized by a plurality of computers. Each means in the present invention is logically distinguished from each other in function, and may be physically or practically the same area. Further, the risk product support system 1 may function on a server, a cloud server, an unspecified number of computers mounted with a block chain, or the server.
　リスク商品支援システム１は，インターネットなどのネットワークを介して，当該運営者が提供するリスク商品に参加する参加者が利用するコンピュータである参加者端末２との間で情報の送受信が可能である。 The risk product support system 1 can transmit / receive information to / from the participant terminal 2 which is a computer used by a participant who participates in the risk product provided by the operator via a network such as the Internet.
　リスク商品支援システム１は，発行スケジュール設定処理部１０とトークン発行減少限度枠設定処理部１１と最低保証率設定処理部１２とトークン発行処理部１３と商品情報記憶部１４と商品情報提供処理部１５と参加申込受付処理部１６と参加者情報記憶部１７とトークン収納処理部１８と支払受付処理部１９と支払トークン算出処理部２０とトークン振替処理部２１とを有する。 The risk product support system 1 includes an issue schedule setting processing unit 10, a token issue decrease limit frame setting processing unit 11, a minimum guarantee rate setting processing unit 12, a token issue processing unit 13, a product information storage unit 14, and a product information provision processing unit 15. A participation application reception processing unit 16, a participant information storage unit 17, a token storage processing unit 18, a payment reception processing unit 19, a payment token calculation processing unit 20, and a token transfer processing unit 21.
　発行スケジュール設定処理部１０は，仮想通貨建てのリスク商品で用いる仮想通貨のトークンを発行する発行スケジュールを設定する。また，設定した発行スケジュールとは異なるタイミングでのトークンの発行を行った場合は，その発行スケジュールを調整する必要がある。この場合，トークンの発行スケジュールを再設定する処理を実行する。 The issuance schedule setting processing unit 10 sets an issuance schedule for issuing virtual currency tokens to be used for risk products in virtual currency. If a token is issued at a timing different from the set issuance schedule, it is necessary to adjust the issuance schedule. In this case, a process for resetting the token issuance schedule is executed.
　発行スケジュール設定処理部１０は，有限または無限の発行回数でトークンを発行する仮想通貨において，発行回ごとのトークンの発行数を設定する。たとえば発行回数が１０回であって，トータルの発行数が初期値として１０万であり，発行のたびに２％定率で増加させるとする。この場合，トークンの追加発行がなければ，図４に示すようなトークンの発行スケジュールとなる。トークンの発行スケジュールの再設定処理は，後述する。 The issuance schedule setting processing unit 10 sets the number of tokens issued for each issuance in a virtual currency that issues tokens with a finite or infinite number of issuances. For example, assume that the number of issuances is 10, and the total number of issuances is 100,000 as an initial value, and is increased at a constant rate of 2% for each issuance. In this case, if no additional tokens are issued, the token issuance schedule is as shown in FIG. The token issuance schedule resetting process will be described later.
　トークン発行減少限度枠設定処理部１１は，発行スケジュールを再設定する際の，トークンの発行が減少する限度を示すトークン発行減少限度枠の設定を受け付ける。仮想通貨のトークンのマイナーは，マイニングのために設備投資等を行っているため，トークンの価格が安定することに加え，トークンの発行数の安定性を期待している。そのため，トークンの発行スケジュールにおける予定発行数のうち，再設定により減少する可能性を示すことが，マイナーに対しては好ましい。そこで，この減少する限度を，トークン発行減少限度枠として設定する。またその合計を，トークン発行減少合計限度枠として設定する。トークン発行減少限度枠は，さまざまな演算式によって設定することが可能であるが，たとえばトークンの最新の発行予定数の一定割合として設定すると，マイナーへのわかりやすさを確保でき，好ましい。 The token issue decrease limit frame setting processing unit 11 accepts setting of a token issue decrease limit frame indicating a limit at which token issuance is reduced when resetting the issue schedule. Since the miners of virtual currency tokens are making capital investments for mining, in addition to stabilizing the price of tokens, expect the stability of the number of tokens issued. For this reason, it is preferable for minors to show the possibility of a decrease in the number of scheduled issuances in the token issuance schedule due to resetting. Therefore, this decrease limit is set as the token issue decrease limit frame. The total is set as the token issue reduction total limit frame. The token issuance reduction limit frame can be set by various arithmetic expressions. For example, setting the token issuance reduction limit frame as a fixed percentage of the latest number of tokens to be issued is preferable because it is easy to understand the minor.
　最低保証率設定処理部１２は，最低保証率の設定を受け付ける。最低保証率設定処理部１２は，参加者の属性ごとに，支払条件の発生率を算出する。最低保証率とは，参加時に支払った一口あたりのトークン数に対し，支払条件が発生した場合に支払われる率であって，原則として最低保証率は１００％である。ただし，最低保証をするために追加発行するトークンが多量になるときは，以下の演算式によって，１００％よりも低い値に設定する。
　最低保証率＝ＭＩＮ｛１，（Ｍ（Ｎ，∞）＋Ｐ（Ｎ－１））／Ｕ（ｉ，Ｎ－１）｝
　ただし，Ｍ（Ｎ，∞）はＮ期以降のトークン発行減少合計限度枠，Ｐ（Ｎ－１）は（Ｎ－１）期末までにプーリングされているトークン数，Ｕ（ｉ，Ｎ－１）は，（Ｎ－１）期の事故ｉの想定支払口数
　である。 The minimum guarantee rate setting processing unit 12 accepts the setting of the minimum guarantee rate. The minimum guarantee rate setting processing unit 12 calculates the payment rate occurrence rate for each attribute of the participant. The minimum guarantee rate is the rate paid when payment conditions occur with respect to the number of tokens paid at the time of participation. As a rule, the minimum guarantee rate is 100%. However, when a large amount of additional tokens are issued to guarantee the minimum guarantee, a value lower than 100% is set according to the following arithmetic expression.
Minimum guarantee rate = MIN {1, (M (N, ∞) + P (N−1)) / U (i, N−1)}
Where M (N, ∞) is the total limit for token issuance reduction after N period, P (N-1) is the number of tokens pooled by the end of (N-1), U (i, N-1) Is the assumed number of payouts for accident i in (N-1) period.
　トークン発行処理部１３は，発行スケジュール設定処理部１０における発行スケジュールにしたがって，発行スケジュールで定められた数量だけトークンを発行する処理を実行する。また，後述するトークンの追加発行の指示を受け付けた場合には，トークンを発行する処理を実行する。 The token issue processing unit 13 executes a process for issuing tokens in the quantity determined by the issue schedule in accordance with the issue schedule in the issue schedule setting processing unit 10. In addition, when an instruction to issue a token, which will be described later, is received, a process for issuing a token is executed.
　商品情報記憶部１４は，リスク商品に関する情報を記憶する。リスク商品には，対象となる事象，支払対象期間（たとえば毎月，あるいは毎年の１月１日から１２月末日まで），契約日，契約満了日，支払条件，待機期間，待機期間終了後の始期，支払対象期間の終了日（所定期日），支払請求期間，証明情報などの各種情報があり，これらの情報を商品情報記憶部１４は記憶している。図５に商品情報記憶部１４の一例を模式的に示す。なお，リスク商品に関する情報として，仮想通貨のトークンに関する情報を記憶していてもよい。たとえばトークンの発行スケジュール，トークン発行減少限度枠，最低保証率などをトークンに関する情報として記憶していてもよい。 The product information storage unit 14 stores information on risk products. Risk products include target events, payment periods (for example, monthly or annually from January 1 to the end of December), contract dates, contract expiration dates, payment terms, waiting periods, and start periods after the end of the waiting period. There are various information such as the end date (predetermined date) of the payment target period, the payment request period, and certification information, and the product information storage unit 14 stores these information. FIG. 5 schematically shows an example of the product information storage unit 14. In addition, as information related to risk products, information related to virtual currency tokens may be stored. For example, a token issuance schedule, a token issuance reduction limit frame, a minimum guarantee rate, and the like may be stored as information about the token.
　また，後述するように，そのリスク商品に関するウェブページなどにおける広告費収入，寄付収入，寄付物品やその数などの情報の入力をリスク商品支援システム１で受け付け，それらを商品情報記憶部１４に記憶させていてもよい。また，同一のリスク商品についてキャリーフォワード（繰り越し）があった場合に，そのトークンのトークン数（プーリングされているトークン数）を商品情報記憶部１４に記憶しておく。 Further, as will be described later, the risk product support system 1 accepts input of information such as advertising expense revenue, donation revenue, donated items and the number of items on the web page related to the risk product, and stores them in the product information storage unit 14. It may be allowed. Further, when carry forward is carried out for the same risk product, the token number of the token (the number of pooled tokens) is stored in the product information storage unit 14.
　商品情報提供処理部１５は，商品情報記憶部１４に記憶したリスク商品に関する情報を商品情報記憶部１４から抽出し，参加者端末２に表示させる。 The product information provision processing unit 15 extracts information on the risk product stored in the product information storage unit 14 from the product information storage unit 14 and causes the participant terminal 2 to display the information.
　参加申込受付処理部１６は，参加者端末２からリスク商品について参加することの申込情報を受け付け，後述する参加者情報記憶部１７に当該商品への参加申込の情報を記憶させる。ここで参加申込の情報とは，たとえば当該個人を識別する情報，氏名，年齢，住所，電子メールアドレスや電話番号などの連絡先情報などの参加者の属性情報のほか，参加する商品の識別情報と参加する口数，参加日時（申込日時），期間などの参加する商品に関する情報などを記憶するとよい。 The participation application reception processing unit 16 receives application information for participating in the risk product from the participant terminal 2 and stores information on the application for participation in the product in the participant information storage unit 17 described later. Here, participation application information includes participant identification information such as information identifying the individual, name, age, address, contact information such as e-mail address and telephone number, and identification information of the participating product. It is good to memorize information about participating products, such as the number of participants, the participation date and time (application date and time), and the period.
　参加者情報記憶部１７は，参加申込受付処理部１６で受け付けた参加者の属性情報，当該参加者が参加するリスク商品に関する情報のほか，参加トークン数（仮想通貨のトークン数。以下同様）やその収納の有無，支払請求があったか，支払トークン数（仮想通貨のトークン数。以下同様），証明書類などの情報を記憶する。 In addition to the participant attribute information received by the participation application reception processing unit 16, information on the risk product that the participant participates in, the participant information storage unit 17 includes the number of participating tokens (the number of virtual currency tokens; the same applies hereinafter) and It stores information such as the presence / absence of storage, whether there was a payment request, the number of payment tokens (the number of tokens in virtual currency, the same applies hereinafter), and certificates.
　トークン収納処理部１８は，参加者が参加したリスク商品について，支払うべき参加トークン数の収納（徴収）を受け付ける。収納を受け付けた場合にはその情報を参加者情報記憶部１７に記憶させる。なお，参加トークン数は，所定期日までの参加トークン数を一括して支払ってもよいし，月払いで払ってもよい。また，支払手数料等は，別途参加者に負担を求めてもよいし，参加するための手数料に含めてもよい。 The token storage processing unit 18 receives storage (collection) of the number of participating tokens to be paid for the risk product that the participant has participated in. When the storage is accepted, the information is stored in the participant information storage unit 17. As for the number of participating tokens, the number of participating tokens up to a predetermined date may be paid in a lump sum or may be paid monthly. In addition, payment fees, etc. may be separately sought from participants, or included in the fees for participation.
　支払受付処理部１９は，参加者が参加したリスク商品について，所定の支払条件を充足した参加者がいた場合に，その支払請求を参加者端末２から受け付け，支払請求があったことを参加者情報記憶部１７に記憶させる。また支払請求の際に証明書類が必要な場合には，その情報を画像情報などにより参加者端末２から受け付け，受け付けた証明書類の情報を参加者情報記憶部１７に記憶させる。この場合，参加者情報記憶部１７に記憶させた証明書類の情報を運営者が所定の方法により表示させ，運営者が確認後，後述の支払トークン算出処理部２０における処理を行わせるように構成してもよい。この場合，参加者情報記憶部１７の証明書類情報に対応付けて，運営者による証明書類の確認の有無を示す情報（フラグなど）を記憶させ，運営者が操作するコンピュータから，その情報の入力をリスク商品支援システム１で受け付け，参加者情報記憶部１７に記憶させるようにすればよい。 The payment acceptance processing unit 19 accepts a payment request from the participant terminal 2 when there is a participant who satisfies a predetermined payment condition for the risk product to which the participant participates, and the participant confirms that the payment request has been made. The information is stored in the information storage unit 17. If a certificate is required at the time of payment request, the information is received from the participant terminal 2 by image information or the like, and the received certificate information is stored in the participant information storage unit 17. In this case, the certificate information stored in the participant information storage unit 17 is displayed by the operator by a predetermined method, and after confirmation by the operator, processing in a payment token calculation processing unit 20 described later is performed. May be. In this case, information (flag or the like) indicating whether or not the certificate is confirmed by the operator is stored in association with the certificate information in the participant information storage unit 17, and the information is input from the computer operated by the operator. May be received by the risk product support system 1 and stored in the participant information storage unit 17.
　支払トークン算出処理部２０は，支払受付処理部１９で受け付けた支払請求を行った参加者に対して支払う一口あたりの支払トークン数を算出する。一口あたりの支払トークン数は，以下のように算出する。 The payment token calculation processing unit 20 calculates the number of payment tokens per unit to be paid to the participant who made the payment request received by the payment reception processing unit 19. The number of payment tokens per unit is calculated as follows.
　すなわち，Ｎ回目に支払条件が発生した場合，Ｎ回目までに支払われた参加トークン数のうちプールされているトークン数の合計と，最低保証率に基づく支払のための必要トークン数とを比較する。 That is, when payment conditions occur for the Nth time, the total number of tokens pooled out of the number of participating tokens paid up to the Nth time is compared with the number of tokens required for payment based on the minimum guarantee rate. .
　そして，上述の比較において，前者≧後者のときには，
　一口あたり支払トークン数＝Ｎ回目までに支払われた参加トークン数のうちプールされているトークン数の合計÷支払対象口数
　を演算することで，一口あたりの支払トークン数を算出する。
　なお，支払対象口数とは所定期間内に当該リスク商品の支払条件を充足した参加者またはその参加者のうち支払請求をした参加者の口数の合計である。 And in the above comparison, when the former ≧ the latter,
The number of payment tokens per unit is calculated by calculating the total number of tokens pooled out of the number of participating tokens paid up to the Nth time divided by the number of payment target units.
Note that the payment target number is the total number of participants who have satisfied the payment conditions of the risk product within a predetermined period or the number of participants who have requested payment among the participants.
　一方，上述の比較において，前者＜後者のときには，
　一口あたり支払トークン数＝一口あたりの参加トークン数×最低保証率
　を演算することで，一口あたりの支払トークン数を算出する。
　なお，この場合，Ｎ回目までに支払われた参加トークン数のうちプールされているトークン数の合計が，支払条件に該当した参加者に支払うべきトークン数よりも少ないので，トークン数の不足が発生している。そこで，トークン発行処理部１３は，
　不足トークン数＝最低保証率に基づく支払のための必要トークン数－Ｎ回目までに支払われた参加トークン数のうちプールされているトークン数の合計
　を演算することで，不足しているトークン数を算出し，トークン発行処理部１３に，不足分についてのトークンの追加発行の指示を渡して，不足しているトークン数の追加発行を行わせる。また，このトークンの追加発行によってトークンそのものの価値が下落してしまえば，本来の目的である事故によるリスクの軽減の効果を減じることになってしまうことから，発行スケジュール設定処理部１０において，トークンの発行スケジュールを再設定することによって，トークンの発行スケジュールを再設定させる。 On the other hand, in the above comparison, when the former is less than the latter,
Calculate the number of payment tokens per unit by calculating the number of payment tokens per unit = number of participating tokens per unit x minimum guarantee rate.
Note that in this case, the total number of tokens pooled out of the number of participating tokens paid up to the Nth time is less than the number of tokens to be paid to participants who meet the payment conditions, resulting in a shortage of tokens. is doing. Therefore, the token issue processor 13
Number of missing tokens = Number of tokens required for payment based on minimum guarantee rate-Calculate the total number of tokens pooled out of the number of participating tokens paid up to the Nth time. Then, the token issuance processing unit 13 is instructed to issue additional tokens for the shortage, and performs additional issuance of the number of missing tokens. Further, if the value of the token itself decreases due to the additional issuance of the token, the effect of reducing the risk due to the accident, which is the original purpose, will be reduced. The token issuance schedule is reset by resetting the issuance schedule.
　なお，支払トークン算出処理部２０は，所定期間の途中から始期が始まった参加者の一口あたり支払トークン数を割り引いてもよい。また一口あたりの支払トークン数から手数料（仮想通貨建て）を徴収してもよい。手数料はリスク商品を運営する運営者の手数料であり，たとえば定額，口数または支払トークン数による比例，あるいはそれらの組み合わせのように，任意に設定可能である。 In addition, the payment token calculation processing unit 20 may discount the number of payment tokens per unit of the participant whose start has started from the middle of the predetermined period. A fee (in virtual currency) may be collected from the number of tokens paid per unit. The fee is a fee for the operator who operates the risk product, and can be arbitrarily set, for example, a fixed amount, a proportion by the number of units or payment tokens, or a combination thereof.
　なお，支払トークン算出処理部２０は，運営者の運営するウェブサイトで得た広告収入や寄付収入があった場合には，それらのトークン数の情報を商品情報記憶部１４から抽出して，Ｎ回目までに支払われた参加トークン数のうちプールされているトークン数の合計に加算して母数としてもよい。 The payment token calculation processing unit 20 extracts information on the number of tokens from the product information storage unit 14 when there is advertising revenue or donation revenue obtained from the website operated by the operator, and N It may be added to the total number of tokens pooled out of the number of participating tokens paid up to the first time as a population parameter.
　また支払トークン数について，一部分について先行的に支払いを行ったり，途中解約のと期や契約満了時に返戻金を支払ってもよい。 Also, regarding the number of tokens to be paid, payment may be made in advance for a part, or refund may be paid at the time of cancellation or contract expiration.
　支払トークン算出処理部２０は，参加者情報記憶部１７において証明書類の確認の有無の情報を記憶している場合には，確認を示す情報が記憶されている参加者の口数のみを支払対象口数とするとよい。 The payment token calculation processing unit 20 stores only the number of participants for which confirmation information is stored in the participant information storage unit 17 when the information on whether or not the certificate is confirmed is stored. It is good to do.
　トークン振替処理部２１は，支払条件に該当した参加者に対して，支払トークン算出処理部２０で算出した支払トークン数を振り替える処理を行う。すなわち，支払請求のあった参加者が指定する仮想通貨のアカウント（ウォレット）などに対して，算出した支払トークン数を振り替える処理を実行する。 The token transfer processing unit 21 performs a process of transferring the number of payment tokens calculated by the payment token calculation processing unit 20 to a participant who meets the payment conditions. That is, a process of transferring the calculated number of payment tokens to a virtual currency account (wallet) designated by a participant who has requested payment is executed.
　つぎに本発明のリスク商品支援システム１の処理プロセスの一例を図３のフローチャートを用いて説明する。 Next, an example of the processing process of the risk product support system 1 of the present invention will be described with reference to the flowchart of FIG.
　まず発行スケジュール設定処理部１０において，当該リスク商品に用いる仮想通貨の発行スケジュールを設定する（Ｓ１００）。発行スケジュールは任意として設定することができ，その入力を受け付ける。初期状態におけるトークンの発行スケジュールの一例が図４である。 First, the issuance schedule setting processing unit 10 sets the issuance schedule of the virtual currency used for the risk product (S100). The issue schedule can be set arbitrarily and accepts its input. An example of the token issuance schedule in the initial state is shown in FIG.
　またトークン発行減少限度枠設定処理部１１において，トークン発行減少限度枠の入力を受け付ける（Ｓ１１０）。すなわち，仮に支払条件が発生した場合であって，トークンの追加発行が必要になった場合のトークンの発行スケジュールの再設定の際に，減少させるトークンの発行数の限度枠の設定を受け付ける。トークン発行減少限度枠は任意に設定することができ，たとえば発行スケジュールの２０％など，適宜，設定することができる。トークン発行減少限度枠の設定を受け付けた状態の一例が図６である。 Also, the token issue reduction limit frame setting processing unit 11 accepts an input of the token issue decrease limit frame (S110). In other words, if a payment condition is generated and a token issuance schedule is reset when an additional token issuance is required, the setting of a limit frame for the number of tokens to be decreased is accepted. The token issue reduction limit frame can be set arbitrarily, and can be set as appropriate, for example, 20% of the issue schedule. FIG. 6 shows an example of a state in which the setting of the token issue reduction limit frame is accepted.
　さらに，最低保証率設定処理部１２において，当該リスク商品における一口あたりの最低保証率の設定を受け付ける（Ｓ１２０）。 Furthermore, the minimum guarantee rate setting processing unit 12 accepts the setting of the minimum guarantee rate per unit in the risk product (S120).
　以上のようにして，仮想通貨の発行スケジュール，トークン発行減少限度枠，最低保証率を設定すると，リスク商品支援システム１の運営者は，事前に組成したリスク商品に関する情報を商品情報記憶部１４に記憶させる。また，リスク商品ごとの一口あたりの参加トークン数も設定し，商品情報記憶部１４に記憶させておく。 As described above, when the virtual currency issuance schedule, token issuance reduction limit frame, and minimum guarantee rate are set, the operator of the risk product support system 1 stores information on the risk product that has been prepared in advance in the product information storage unit 14. Remember me. Also, the number of participating tokens per unit for each risk product is set and stored in the product information storage unit 14.
　トークン発行処理部１３は，発行スケジュールにしたがって，発行期間（ただし永久に発行してもよい）が終了するまで（Ｓ１３０），仮想通貨のトークンを発行する（Ｓ１４０）。 The token issuance processing unit 13 issues a virtual currency token according to the issuance schedule until the issuance period (but may be issued forever) ends (S130).
　そして，リスク商品支援システム１で参加申込を受け付け（Ｓ１５０），参加申込受付処理部１６において，参加申込の受付処理を実行する。すなわち，リスク商品支援システム１で提供するリスク商品に参加を申し込みたい参加者（参加希望者）は，参加者端末２で所定の操作を行うことによって，リスク商品支援システム１にアクセスする。そうすると，商品情報提供処理部１５は，商品情報記憶部１４を参照し，リスク商品支援システム１で登録されている，リスク商品に関する情報を抽出し，参加者端末２に送る。たとえば商品情報記憶部１４が図５の場合，地震，津波，原発事故などに関するリスク商品に関する情報を抽出し，参加者端末２に送る。 Then, the risk product support system 1 accepts a participation application (S150), and the participation application acceptance processing unit 16 executes a participation application acceptance process. That is, a participant who wants to apply for participation in a risk product provided by the risk product support system 1 (participant wanting to participate) accesses the risk product support system 1 by performing a predetermined operation on the participant terminal 2. Then, the product information provision processing unit 15 refers to the product information storage unit 14, extracts information on the risk product registered in the risk product support system 1, and sends it to the participant terminal 2. For example, when the product information storage unit 14 is shown in FIG. 5, information on risk products related to earthquakes, tsunamis, nuclear accidents, etc. is extracted and sent to the participant terminal 2.
　参加者端末２でリスク商品に関する情報を受け取ると，参加者（参加希望者）は，これらの情報を参加者端末２で閲覧し，参加を希望するリスク商品を選択する。リスク商品が選択されたことの情報は，参加者端末２からリスク商品支援システム１に送られる。参加申込受付処理部１６で選択したリスク商品が選択されたことの情報を受け付けると，参加申込受付処理部１６は，商品情報記憶部１４に記憶する当該選択されたリスク商品に対応する必要情報入力画面を参加者端末２に送信する。なお必要情報入力画面には，図５に示す商品情報記憶部１４における，参加申込の際の必要な情報を含むことがよい。図７に必要情報入力画面の一例を示す。図７では「原発事故」のリスク商品について申込をする場合の必要情報入力画面の一例を示している。 When the participant terminal 2 receives information on the risk product, the participant (participant who wants to participate) browses the information on the participant terminal 2 and selects the risk product for which participation is desired. Information that the risk product has been selected is sent from the participant terminal 2 to the risk product support system 1. Upon receiving information that the risk product selected by the participation application reception processing unit 16 has been selected, the participation application reception processing unit 16 inputs necessary information corresponding to the selected risk product stored in the product information storage unit 14. The screen is transmitted to the participant terminal 2. The necessary information input screen may include information necessary for application for participation in the product information storage unit 14 shown in FIG. FIG. 7 shows an example of the necessary information input screen. FIG. 7 shows an example of a necessary information input screen when applying for a risk product of “nuclear accident”.
　参加者が参加者端末２で表示している必要情報入力画面に必要な情報を入力し，「申込」を押下すると，入力された情報が参加者端末２からリスク商品支援システム１に送られ，参加申込受付処理部１６で受け付ける。そして，必要情報入力画面で入力された情報を参加申込受付処理部１６で受け付けると，参加申込受付処理部１６は，当該必要情報入力画面で入力された情報に基づいて，商品情報記憶部１４で記憶する当該リスク商品の一口あたりの参加トークン数の情報を抽出し，それを参加者端末２に送る。先に必要情報の入力を受け付けた後に参加トークン数を送るのは，たとえば「原発事故」の場合には，その対象地域によって支払条件の蓋然性が変わるからである。そのため，商品情報記憶部１４には，支払条件に応じた一口あたりの参加トークン数が記憶されており，必要情報入力画面では，上記支払条件に応じた一口あたりの参加トークン数を特定可能な情報の入力が行えるとよい。 When the participant inputs necessary information on the necessary information input screen displayed on the participant terminal 2 and presses “apply”, the entered information is sent from the participant terminal 2 to the risk product support system 1, The participation application acceptance processing unit 16 accepts it. When the participation application reception processing unit 16 receives the information input on the necessary information input screen, the participation application reception processing unit 16 uses the product information storage unit 14 based on the information input on the necessary information input screen. Information on the number of participating tokens per unit of the risk product to be stored is extracted and sent to the participant terminal 2. The reason for sending the number of participating tokens after receiving the input of necessary information first is that, for example, in the case of a “nuclear accident”, the probability of payment conditions varies depending on the target area. Therefore, the merchandise information storage unit 14 stores the number of participating tokens per unit corresponding to the payment conditions. On the necessary information input screen, information that can specify the number of participating tokens per unit corresponding to the payment conditions. It is good to be able to input.
　そして参加者は，参加者端末２で参加する口数を入力し，それを参加者端末２からリスク商品支援システム１に送ると，参加口数の情報を参加申込受付処理部１６で受け付け，参加申込受付処理部１６は，参加口数に応じた参加トークン数を算出して参加者端末２にその情報を送る。 When the participant inputs the number of participations at the participant terminal 2 and sends it to the risk product support system 1 from the participant terminal 2, the participation application reception processing unit 16 receives the information on the participation number and accepts the participation application. The processing unit 16 calculates the number of participating tokens according to the number of participating units and sends the information to the participant terminal 2.
　参加者端末２では参加トークン数の情報を表示して，特に問題がないかを確認させる。この際に，上述で入力，表示された情報，たとえば必要情報，参加口数，支払う参加トークン数を参加者端末２で表示させるとよい。また，最低保証率も商品情報記憶部１４から抽出して参加者端末２で表示させるとよい。そして参加者に確認を行わせた後，「参加申込をする」等の選択を参加者端末２で受け付けると，確定した参加申込の情報が参加者端末２からリスク商品支援システム１に送られ，それを参加申込受付処理部１６で受け付ける。 Participant terminal 2 displays the information on the number of participating tokens and confirms that there is no particular problem. At this time, the information input and displayed as described above, for example, necessary information, the number of participants, and the number of participating tokens to be paid may be displayed on the participant terminal 2. Further, the minimum guarantee rate may be extracted from the product information storage unit 14 and displayed on the participant terminal 2. When the participant terminal 2 accepts a selection such as “Apply for participation” after confirming the participant, information of the confirmed participation application is sent from the participant terminal 2 to the risk product support system 1, It is received by the participation application reception processing unit 16.
　参加申込受付処理部１６では，確定した参加申込の情報を参加者端末２から受け付けると，必要情報入力画面で受け付けた情報，参加口数，参加トークン数などの情報を参加者情報記憶部１７に記憶させる。この際に，当該参加者を識別する識別情報を自動的に付与しておく。また参加トークン数の収納の有無の情報は「未払い」を示す情報を記憶させておく。 In the participation application reception processing unit 16, when information on the confirmed participation application is received from the participant terminal 2, information such as information received on the necessary information input screen, the number of participation units, and the number of participation tokens is stored in the participant information storage unit 17. Let At this time, identification information for identifying the participant is automatically given. Information indicating whether or not the number of participating tokens is stored is stored as information indicating “unpaid”.
　以上の処理を実行することで，参加申込の処理を行う。 Execute the application process by performing the above process.
　参加申込が行われた後，算出された参加トークン数の収納処理を実行する（Ｓ１６０）。すなわち，参加申込受付処理部１６で確定した参加申込の情報を受け付けると，トークン収納処理部１８は，参加者端末２に対して参加トークン数の支払方法を通知し，仮想通貨のトークンの支払の振替を受け付ける。 After the application for participation is made, storage processing for the calculated number of participating tokens is executed (S160). That is, when receiving the participation application information confirmed by the participation application reception processing unit 16, the token storage processing unit 18 notifies the participant terminal 2 of the payment method of the number of participation tokens, and pays the token of the virtual currency. Accept transfers.
　なお，あらかじめ一定数のトークンを参加者から預託を受けている場合には，預託を受けているトークン数と，必要な参加トークン数とを比較し，前者が後者以上であれば，預託を受けているトークン数から必要な参加トークン数分の振替を受け付け，収納する。もし前者が後者未満であれば，預託を受けているトークン数と，必要な参加トークン数との不足分のトークン数の振替を受け付け，預託を受けているトークンとあわせて収納する。 If a certain number of tokens have been deposited in advance by a participant, the number of tokens that have been deposited is compared with the required number of participating tokens. Accept and store transfers for the required number of participating tokens from the number of tokens being stored. If the former is less than the latter, the transfer of the insufficient token number between the number of tokens entrusted and the required number of participating tokens is accepted and stored together with the entrusted token.
　そしてトークン収納処理部１８は，トークンの収納後，参加者情報記憶部１７に記憶した当該参加者の参加トークン数の収納の有無の情報を「収納済」を示す情報に変更して記憶させておく。 Then, after storing the token, the token storage processing unit 18 changes the information indicating whether or not the participant's participation token number stored in the participant information storage unit 17 is stored into information indicating “stored”. deep.
　つぎに，支払対象期間内に，地震，津波，原子力発電所の事故による放射能被害などの支払条件を充足することになった参加者がいた場合には（Ｓ１７０），その参加者は，参加者端末２から支払請求の処理を行う。 Next, if there is a participant who satisfies the payment conditions such as earthquake, tsunami, or radiation damage caused by an accident at the nuclear power plant within the payment period (S170), the participant participates. The payment request is processed from the person terminal 2.
　参加者は参加者端末２から所定の操作を行うことでリスク商品支援システム１にアクセスし，支払条件に充足したことの情報を参加者端末２からリスク商品支援システム１に送ると，支払受付処理部１９は，支払請求を行う画面を当該参加者端末２に送る。 When the participant accesses the risk product support system 1 by performing a predetermined operation from the participant terminal 2 and sends information that the payment conditions are satisfied from the participant terminal 2 to the risk product support system 1, the payment acceptance process The unit 19 sends a screen for requesting payment to the participant terminal 2.
　参加者は，参加者端末２において当該参加者の氏名や，個人を識別する情報，パスワードなどの認証情報と，支払条件を充足したことを証明する書類の画像情報を入力し，参加者端末２から所定の操作をすることで，それらの情報を参加者端末２からリスク商品支援システム１に送る。 The participant inputs the participant's name, personal identification information, authentication information such as a password, and image information of a document that proves that the payment condition has been satisfied at the participant terminal 2. The information is sent from the participant terminal 2 to the risk product support system 1 by performing a predetermined operation.
　支払受付処理部１９は，支払請求を行う画面で入力された各情報を，参加者端末２から受け付け，支払請求があった日付などとともに参加者情報記憶部１７に記憶させる。 The payment acceptance processing unit 19 accepts each piece of information input on the screen for requesting payment from the participant terminal 2 and stores it in the participant information storage unit 17 together with the date when the payment is requested.
　以上の処理を実行することで支払請求の処理が行える。なお，地震，津波，原子力発電所の事故による放射能被害などの場合には，報道などによって支払条件への該当性の判断が明らかであることが多いので，証明書類の提出は不要としてもよい。また，参加者からの請求を待たなくても自動的に支払条件の充足性が判定できる場合には，バッチ処理で自動的に支払請求を行う設定としてもよい。 Payment request processing can be performed by executing the above processing. In the case of radiation damage due to earthquakes, tsunamis, or accidents at nuclear power plants, it is often clear that the appropriateness of payment conditions is determined by reports, so it is not necessary to submit certificates. . In addition, when the satisfaction of payment conditions can be automatically determined without waiting for a request from a participant, it may be set to automatically request payment by batch processing.
　そして支払請求を受け付けたリスク商品支援システム１は，当該リスク商品の支払対象期間の満期の到来後，支払トークン数の算出処理を実行する（Ｓ１８０）。 Then, the risk product support system 1 that has received the payment request executes the calculation processing of the number of payment tokens after the expiration of the payment target period of the risk product (S180).
　まず支払トークン算出処理部２０は，商品情報記憶部１４に記憶するリスク商品に関する情報と参加者情報記憶部１７に記憶した参加者情報とに基づいて，当該リスク商品に参加している参加者を特定する。そしてプーリングされているトークン数の合計を算出する。また，支払条件に該当した参加者の口数の合計を参加者情報記憶部１７に基づいて算出する。 First, the payment token calculation processing unit 20 selects participants participating in the risk product based on the information on the risk product stored in the product information storage unit 14 and the participant information stored in the participant information storage unit 17. Identify. The total number of pooled tokens is then calculated. In addition, the total number of participants corresponding to the payment conditions is calculated based on the participant information storage unit 17.
　そして，支払トークン算出処理部２０は，Ｎ回目に支払条件が発生した場合，Ｎ回目までに支払われた参加トークン数のうちプールされているトークン数の合計と，最低保証率に基づく支払のための必要トークン数とを比較する（Ｓ１９０）。 Then, when the payment condition occurs for the Nth time, the payment token calculation processing unit 20 performs the payment based on the total number of tokens pooled among the number of participating tokens paid up to the Nth time and the minimum guarantee rate. Are compared with the required number of tokens (S190).
　そして，上述の比較において，前者≧後者のときには，
　一口あたり支払トークン数＝Ｎ回目までに支払われた参加トークン数のうちプールされているトークン数の合計÷支払対象口数
　を演算することで，一口あたりの支払トークン数を算出する。 And in the above comparison, when the former ≧ the latter,
The number of payment tokens per unit is calculated by calculating the total number of tokens pooled out of the number of participating tokens paid up to the Nth time divided by the number of payment target units.
　一方，上述の比較において，前者＜後者のときには，
　一口あたり支払トークン数＝一口あたりの参加トークン数×最低保証率
　を演算することで，一口あたりの支払トークン数を算出する。 On the other hand, in the above comparison, when the former is less than the latter,
Calculate the number of payment tokens per unit by calculating the number of payment tokens per unit = number of participating tokens per unit x minimum guarantee rate.
　なお，この際に，Ｎ回目までに支払われた参加トークン数のうちプールされているトークン数の合計が，支払うべきトークン数よりも少ないので，トークン数の不足が発生している。そこで，トークン発行処理部１３は，
　不足トークン数＝最低保証率に基づく支払のための必要トークン数－Ｎ回目までに支払われた参加トークン数のうちプールされているトークン数の合計
　を演算することで，不足しているトークン数を算出し，トークン発行処理部１３において，不足分についてのトークンの追加発行を行う（Ｓ２００）。 At this time, since the total number of tokens pooled out of the number of participating tokens paid up to the Nth time is smaller than the number of tokens to be paid, the number of tokens is insufficient. Therefore, the token issue processor 13
Number of missing tokens = Number of tokens required for payment based on minimum guarantee rate-Calculate the total number of tokens pooled out of the number of participating tokens paid up to the Nth time. Then, the token issuance processing unit 13 issues additional tokens for the shortage (S200).
　また，Ｓ２００において，トークン発行処理部１３が不足しているトークン数を追加発行している場合，発行スケジュール設定処理部１０において，トークンの発行スケジュールを再設定することによって，トークンの発行スケジュールを再設定する（Ｓ２１０）。 In S200, when the token issuing processing unit 13 additionally issues the number of tokens that are insufficient, the issuing schedule setting processing unit 10 resets the token issuing schedule to reset the token issuing schedule. Set (S210).
　トークンの発行スケジュールの再設定は，発行スケジュール設定処理部１０が，以下のような処理を実行する。 To reset the token issuance schedule, the issuance schedule setting processing unit 10 executes the following process.
　すなわち，トークンを第Ｎ期に追加発行したとき（支払条件を充足してトークン数の不足が発生したのが第Ｎ期のとき），Ｎ＋１期以降のＮ＋１＋ｒ期に発行するトークン数は，
　ｂ（Ｎ＋１＋ｒ）－ｐ×σ×ｍ（Ｎ＋１，ｒ）
　で再設定する。
　ここで，ｒ≧０の正数，ｂ（Ｎ＋１＋ｒ）は，Ｎ＋１＋ｒ期の再設定前の発行トークン数，ｐは最低保証率（＝（実際の支払トークン数の合計－最低保証がないときの支払数）／Ｍ（Ｎ，∞）），σは１以上の定数であってあらかじめ定めた値，ｍ（Ｎ＋１，ｒ）はＮ＋１＋ｒ期のトークン発行減少限度枠，とする。なお，ｂ（ｘ）はｘを変数とした関数であるが，ほかの変数（経済的な指数やトークンと法定通貨との交換比率など）の多変数関数であってもよい。 That is, when additional tokens are issued in the Nth period (when the payment condition is satisfied and the token number is insufficient in the Nth period), the number of tokens issued in the N + 1 + r period after the N + 1 period is
b (N + 1 + r) −p × σ × m (N + 1, r)
Reset with.
Here, a positive number of r ≧ 0, b (N + 1 + r) is the number of issued tokens before resetting in the N + 1 + r period, and p is the minimum guarantee rate (= (total of actual payment tokens minus payment when there is no minimum guarantee) (Number) / M (N, ∞)), σ is a constant greater than or equal to 1 and a predetermined value, and m (N + 1, r) is a token issue reduction limit frame in the N + 1 + r period. Note that b (x) is a function with x as a variable, but it may be a multivariable function with other variables (e.g., economic index, exchange ratio of token and legal currency).
　トークン振替処理部２１は，支払トークン算出処理部２０において算出した一口あたりの支払トークン数に基づいて，その参加口数に応じて支払うべき支払トークン数を算出する。そして，支払条件に該当した参加者に対して，各参加者が指定する仮想通貨のアカウント（ウォレット）などに対して，振り替える処理を実行する（Ｓ２２０）。 Based on the number of payment tokens per unit calculated by the payment token calculation processing unit 20, the token transfer processing unit 21 calculates the number of payment tokens to be paid according to the number of participating units. Then, a transfer process is performed on the participants corresponding to the payment conditions to the virtual currency account (wallet) designated by each participant (S220).
　なお，Ｓ１７０において，支払対象期間内に，支払条件を充足した参加者がいない場合には，そのままＳ１４０以降の処理を再度，繰り返す。 In S170, if there is no participant who satisfies the payment conditions within the payment target period, the processing after S140 is repeated again.
　なお上述のリスク商品支援システム１で参加可能なリスク商品については，自動更新可能としてもよいし，更新の申込の受付をしてもよい。 It should be noted that risk products that can be participated in the risk product support system 1 described above may be automatically renewable, or an application for renewal may be accepted.
　自動更新ではなく更新の申込を受け付ける場合には，参加申込と同様に，参加者が参加者端末２から所定の操作をすることで，自らが申込済のリスク商品を表示させ，「更新」などの選択を受け付けることで，更新処理を実行させてもよい。この場合，参加申込受付処理部１６で受け付けた必要情報のうち，属性情報などについてはそのまま用いず，更新の際に新たに受け付けるべき情報などがある場合には，それらの情報のみを受け付けるようにしてもよい。 When accepting an application for renewal instead of automatic renewal, the participant performs a predetermined operation from the participant terminal 2 in the same manner as the participation application, so that the risk product that has been applied for is displayed and "update" etc. The update process may be executed by accepting the selection. In this case, among the necessary information received by the participation application reception processing unit 16, the attribute information is not used as it is, and when there is information that should be newly received at the time of update, only such information is received. May be.
　また送金手数料や契約の仲介者には所定料率の手数料を支払うように構成してもよい。 Also, a remittance fee or a contract broker may be configured to pay a predetermined fee.
　本発明においては，適宜，その処理の順番を変更することができる。 In the present invention, the order of the processing can be changed as appropriate.
　本発明のリスク商品支援システム１を用いることによって，事業の開始直後など，多くの参加者が集まらない場合であっても，仮想通貨の発行スケジュールを調整することで，参加者に対して支払う保証を極力確保することを可能とする。その結果，参加者にとって参加がしやすくなり，事業の普及の拡大につなげることができる。 By using the risk product support system 1 of the present invention, even if a large number of participants do not gather, such as immediately after the start of business, a guarantee to pay the participants by adjusting the virtual currency issuance schedule It is possible to secure as much as possible. As a result, it becomes easier for participants to participate, and it can lead to the spread of business.
　１：リスク商品支援システム
　２：参加者端末
１０：発行スケジュール設定処理部
１１：トークン発行減少限度枠設定処理部
１２：最低保証率設定処理部
１３：トークン発行処理部
１４：商品情報記憶部
１５：商品情報提供処理部
１６：参加申込受付処理部
１７：参加者情報記憶部
１８：トークン収納処理部
１９：支払受付処理部
２０：支払トークン算出処理部
２１：トークン振替処理部
７０：演算装置
７１：記憶装置
７２：表示装置
７３：入力装置
７４：通信装置 1: Risk product support system 2: Participant terminal 10: Issuance schedule setting processing unit 11: Token issuance reduction limit frame setting processing unit 12: Minimum guarantee rate setting processing unit 13: Token issuance processing unit 14: Product information storage unit 15: Product information provision processing unit 16: Participation application reception processing unit 17: Participant information storage unit 18: Token storage processing unit 19: Payment reception processing unit 20: Payment token calculation processing unit 21: Token transfer processing unit 70: Computing device 71: Storage device 72: Display device 73: Input device 74: Communication device

Claims (7)

  1. 　リスク商品に関する処理を行うリスク商品支援システムであって，
    　前記リスク商品支援システムは，
    　参加者が参加をしたリスク商品について，あらかじめ定めた支払条件を充足した参加者に対して支払う支払トークン数を算出する支払トークン算出処理部，を有しており，
    　前記支払トークン算出処理部は，
    　前記支払トークンが不足していることを判定した場合には，前記不足分について，前記リスク商品で用いる仮想通貨のトークンの追加発行を行わせる，
    　ことを特徴とするリスク商品支援システム。     A risk product support system for processing risk products,
    The risk product support system includes:
    A payment token calculation processing unit for calculating the number of payment tokens to be paid to a participant who satisfies a predetermined payment condition for a risk product that the participant has participated in;
    The payment token calculation processing unit
    If it is determined that the payment token is insufficient, the virtual currency token used in the risk product is additionally issued for the shortage.
    Risk product support system characterized by that.
  2. 　前記リスク商品支援システムは，さらに，
    　リスク商品で用いる仮想通貨の発行スケジュールを設定する発行スケジュール設定処理部，を有しており，
    　前記発行スケジュール設定処理部は，
    　前記不足分についてトークンの追加発行をした場合には，トークンの発行スケジュールの再設定処理を行う，
    　ことを特徴とする請求項１に記載のリスク商品支援システム。     The risk product support system further includes:
    An issuance schedule setting processing unit that sets an issuance schedule for virtual currency used in risk products,
    The issuing schedule setting processing unit
    When additional tokens are issued for the shortage, the token issuance schedule is reset.
    The risk product support system according to claim 1, wherein:
  3. 　前記リスク商品支援システムは，さらに，
    　前記発行スケジュールを再設定する際の，トークンの発行が減少する限度を示すトークン発行減少限度枠の設定を受け付けるトークン発行減少限度枠設定処理部，を有しており，
    　前記発行スケジュール設定処理部は，
    　前記トークン発行減少限度枠に基づいて，前記トークンの発行スケジュールの再設定処理を行う，
    　ことを特徴とする請求項２に記載のリスク商品支援システム。     The risk product support system further includes:
    A token issuance reduction limit frame setting processing unit that accepts setting of a token issuance reduction limit frame indicating a limit at which token issuance is reduced when resetting the issuance schedule;
    The issuing schedule setting processing unit
    Based on the token issue reduction limit frame, reset the token issue schedule.
    The risk product support system according to claim 2, wherein:
  4. 　前記発行スケジュール設定処理部は，
    　トークンの追加発行を行った以降に発行するトークン数を，再設定前の発行トークン数と最低保証率とトークン発行減少限度枠とを用いて再設定する，
    　ことを特徴とする請求項３に記載のリスク商品支援システム。     The issuing schedule setting processing unit
    Reset the number of tokens to be issued after additional tokens are issued using the number of tokens to be issued before resetting, the minimum guarantee rate, and the token issue reduction limit frame.
    The risk product support system according to claim 3, wherein:
  5. 　前記発行スケジュール設定処理部は，
    　トークンの追加発行を行ったときを第Ｎ期，ｂ（Ｎ＋１＋ｒ）をＮ＋１＋ｒ期の再設定前の発行トークン数，ｒを０以上の正の整数，ｐを最低保証率，σを１以上の定数，ｍ（Ｎ＋１，ｒ）をＮ＋１＋ｒ期のトークン発行減少限度枠としたとき，
    　Ｎ＋１＋ｒ期に発行するトークン数を，
    　ｂ（Ｎ＋１＋ｒ）－ｐ×σ×ｍ（Ｎ＋１，ｒ）
    　で演算することで再設定する，
    　ことを特徴とする請求項３または請求項４に記載のリスク商品支援システム。     The issuing schedule setting processing unit
    When tokens are additionally issued, the Nth period, b (N + 1 + r) is the number of issued tokens before resetting the N + 1 + r period, r is a positive integer greater than or equal to 0, p is the minimum guarantee rate, and σ is a constant greater than or equal to 1 , M (N + 1, r) is the token issue reduction limit frame of N + 1 + r period,
    The number of tokens issued in the N + 1 + r period
    b (N + 1 + r) −p × σ × m (N + 1, r)
    Reset by calculating with,
    The risk product support system according to claim 3 or 4, characterized by the above.
  6. 　前記支払トークン算出処理部は，
    　支払条件が発生するまでに支払われた参加トークン数のうちプールされているトークン数の合計と，最低保証率に基づく支払のための必要トークン数とを比較し，
    　支払トークン数が不足していない場合には，一口あたりの支払トークン数を，支払条件が発生するまでに支払われた参加トークン数のうちプールされているトークン数の合計を支払対象口数で除して算出し，
    　支払トークン数が不足している場合には，一口あたりの支払トークン数を，一口あたりの参加トークン数に最低保証率を乗算して算出する，
    　ことを特徴とする請求項１から請求項５のいずれかに記載のリスク商品支援システム。     The payment token calculation processing unit
    Compare the total number of tokens pooled out of the number of participating tokens paid until payment terms occur, and the number of tokens required for payment based on the minimum guarantee rate,
    If the number of payment tokens is not insufficient, the number of payment tokens per unit is divided by the total number of tokens pooled out of the number of participating tokens paid until the payment conditions occur, by the number of payable units. To calculate
    If the number of payment tokens is insufficient, the number of payment tokens per unit is calculated by multiplying the number of participating tokens per unit by the minimum guarantee rate.
    The risk product support system according to any one of claims 1 to 5, wherein
  7. 　コンピュータを，
    　参加者が参加をしたリスク商品について，あらかじめ定めた支払条件を充足した参加者に対して支払う支払トークン数を算出する支払トークン算出処理部，として機能させることを特徴とするリスク商品支援プログラムであって，
    　前記支払トークン算出処理部は，
    　前記支払トークンが不足していることを判定した場合には，前記不足分について，前記リスク商品で用いる仮想通貨のトークンの追加発行を行わせる，
    　ことを特徴とするリスク商品支援プログラム。     Computer
    A risk product support program that functions as a payment token calculation processing unit that calculates the number of payment tokens to be paid to a participant who satisfies a predetermined payment condition for a risk product that a participant participates in. And
    The payment token calculation processing unit
    If it is determined that the payment token is insufficient, the virtual currency token used in the risk product is additionally issued for the shortage.
    Risk product support program characterized by that.
PCT/JP2018/014558 2018-04-05 2018-04-05 Risk product assistance system WO2019193704A1 (en)

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