WO2020039573A1 - Electronic currency issuing system, electronic currency issuing method, and storage medium - Google Patents

Abstract

In this invention, an electronic currency issuing system issues electronic currency managed by blockchain, and is provided with a processing unit, a storage unit, and a communication control unit that communicates via a network with a consumer-of-funds terminal and an investor terminal. The processing unit presents, on a peer-to-peer (P2P) platform, a solicitation condition including a funds solicitation amount received from the consumer-of-funds terminal, and/or an investment condition including an investment amount received from the investor terminal. In addition, if an investment for the solicitation condition or a funds demand for the investment condition is detected, the processing unit issues a first electronic currency corresponding to the funds solicitation amount or the investment amount. The exchange rate of the first electronic currency to a legal currency or another electronic currency fluctuates. If the solicitation condition from the consumer-of-funds terminal and the investment condition from the investor terminal match, the processing unit issues the first electronic currency, converts the first electronic currency into a second electronic currency at a predetermined exchange rate, and stores the second electronic currency in association with the consumer terminal.

Description

Electronic currency issuing system, electronic currency issuing method, and storage medium

The present invention relates to an electronic currency issuing system, an electronic currency issuing method, and a storage medium, and more particularly, to an electronic currency issuing system, an electronic currency issuing method, and a storage medium for issuing an electronic currency.

通貨 Originally, currency is used for trading. In recent years, in addition to traditional currencies, electronic currencies (sometimes called virtual currencies) have also been used. Further, a technology called a block chain for managing information such as electronic currency transactions is known (Non-Patent Document 1).

On the other hand, as one of the means of raising funds and one of the means of managing funds, investors provide funds and obtain dividends.

However, it is a system that provides cross-border P2P (Peer-to-Peer) financing and investment opportunities using electronic currencies. (1) It issues currencies based on funding demands, and (2) local currencies. No system is disclosed that is fully compatible with current fiat currencies, allowing for the use of currencies at rates and (3) equipped with a monitoring system to prevent a reduction in currency value.

In view of the above, an object of the present invention is to solve the above problems and to provide an electronic currency issuing system, an electronic currency issuing method, and a recording medium that can satisfy essential demands for currency.

According to one aspect of the present invention, an electronic currency issuing system that issues electronic currency managed by a blockchain includes: (a1) a processing unit that executes processing; (b1) a storage unit that stores information; c1) a communication control unit that communicates with the fund consumer terminal and the investor terminal via a network; (d1) the processing unit includes (e1) a fund recruitment amount received from the fund consumer terminal Presenting, on a P2P (Peer-to-Peer) platform, investment conditions received from the investor terminal, including the investment amount, and (f1) investment for the investment condition or for the investment condition When the demand for funds is detected, the electronic currency is issued in accordance with the amount of fund raised or the amount of investment.

According to one aspect of the present invention, an electronic currency issuing system includes (a2) a processing unit that executes a process, (b2) a storage unit that stores information, (c2) a fund consumer terminal via a network, A communication control unit that communicates with the investor terminal; and (d2) the processing unit matches (e2) a fund recruiting condition received from the fund consumer terminal with an investment condition received from the investor terminal. In this case, a first electronic currency whose exchange ratio with the legal currency or another electronic currency fluctuates is issued to the investor terminal, and (f2) the issued first electronic currency is converted into a second electronic currency at a predetermined exchange ratio. And (g2) storing the exchanged second electronic currency in the storage unit in association with the customer terminal.

According to one aspect of the present invention, in the electronic currency issuing method using an electronic currency issuing device that issues electronic currency managed by a blockchain, (a3) the processing unit of the electronic currency issuing device includes: The offer conditions including the amount of funds received from the home terminal and / or the investment conditions including the amount of investment received from the investor terminal are presented on a P2P (Peer-to-Peer) platform, and (c3 If the investment for the funding condition or the demand for the fund for the investment condition is detected, the electronic currency is issued in accordance with the fundraising amount or the investment amount.

According to an aspect of the present invention, there is provided a computer-readable recording medium storing an electronic currency issuing program for issuing an electronic currency managed by a blockchain, wherein the electronic currency issuing program stores (a4) ) Present the offer condition including the amount of fund solicitation received from the fund consumer terminal and / or the investment condition including the investment amount received from the investor terminal on the P2P (Peer-to-Peer) platform. And (b4) when investing in the funding conditions or fund demand for the investment conditions is detected, executing a process of issuing the electronic currency in accordance with the fundraising amount or the investment amount.

According to the present invention, it is possible to provide an electronic currency issuing system, an electronic currency issuing method, and a storage medium that efficiently provide fund procurement and investment opportunities using electronic currency.

FIG. 1 is a configuration diagram schematically illustrating an electronic currency issuing system (electronic currency issuing system) according to an embodiment. FIG. 2 shows a hardware configuration diagram of the electronic currency issuing device in the present embodiment. FIG. 2 shows a logical block diagram of a processing unit of the electronic currency issuing device in the present embodiment. FIG. 1 shows a configuration diagram of a web server in the present embodiment. FIG. 2 shows a configuration diagram of an application server in the present embodiment. FIG. 2 shows a logical block diagram of a processing unit of the web server in the embodiment. 1 shows a configuration diagram of a terminal device in the present embodiment. It is a flowchart which shows the process of the electronic currency issuing system in this embodiment. 2 shows a total workflow of the electronic currency issuing system according to the present embodiment. 4 schematically shows a flow related to scoring and display of a risk score in the workflow of the electronic currency issuing system according to the present embodiment. 4 shows an example of a display screen of a transaction result in the electronic currency issuing system according to the present embodiment. 12 (a) shows Say's macro-money flow model, FIG. 12 (b) shows Keynes's macro-money flow model, and FIG. 12 (c) shows a modern macro-money flow model. . FIG. 1 is a conceptual diagram of TPG (Trading \ Platform \ for \ Green \ product \ and \ services).

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the specification and the drawings, elements that can be described in the same manner are denoted by the same reference numerals, and redundant description may be omitted.

In the description, the currency and the background of the embodiment of the present invention will be described first, and then the computer system for realizing the present invention will be described. The description will be made in the following order.
1. Currency and background 2. Overview of electronic currency issuing system (electronic currency issuing system) 3. Configuration of electronic currency issuing system 4. Processing of electronic currency issuing system Appendix 6 Modified example

1. Currency and Background Each embodiment of the present invention relates to a system including a new currency and a device, a network, and a program for issuing the currency, and the “currency” presented by Keynes and the current “currency” ( (Including the current "virtual currency") to clarify the problem engineeringly and solve it. For the first time, it is Keynes that distinguished currency from other goods and defined it with engineering parameters such as "speed" and "time".

Fig. 12 (a) shows Keynes's macro-money flow presented in "General Theory of Employment, Interest and Money" (1936) as a simplified financial statement model. For Keynes, effective demand is the sum of employment and investment, to which consumption and savings balance. Keynes contrasts with his own model, which is a classic Say model. As shown in FIG. 12B, production and consumption are statically balanced, that is, all produced products are consumed.

As shown by the Say model, that is, if consumption and production are perfectly balanced, it is macroscopically equivalent to bartering goods and goods. If so, currency is merely a transparent tool that simply facilitates the exchange of goods and goods as a means of presenting value. In other words, "There is nothing less important than money."

But this must be called a clear mistake even in the days of Say, and the errors are still partly inherited even today. In Keynes' era, class culture was even more advanced. In other words, entrepreneurs, workers and investors. Of these, the investor class (often by the parents) is an “interest consumer” who manages funds taken from overseas colonies, and currency is already an important investment item. It was the main goal of economic activity. That holding value is a major function of the currency has not changed since Abraham received 1000 silver shekels from Ahmerek, king of Kerals. Currency value holding and value display are literally the front and back of a coin. Here we are again led to the three major laws of currency. First, the stability of currency, which is not easily damaged physically or chemically, is not enough, and it is possible to display other goods relatively only by making sure that the currency increases more than other goods. Assuming that the value of a currency is represented by an increase (ΔVm) over a certain period, its net value is represented by Nm = dVm−dVg (dVg is ΔVg, the increase of a good over a certain period). The currency's own interest rate (rate of interest in terms of itself / own rates of interest) indicates its advantage over other goods, which allows it to be exchanged with any other good and guarantees its currency status. The term self-interest rate is esoteric, but there is no particular problem in terms of how much demand for specific goods (including currency) has increased during a certain period, and dVm-dVg-1 corresponds to the interest rate. (First law of currency).

Keynes objected to the return to the gold standard, but not necessarily because he hated the political advantage of the United States, which at the time was overwhelmed by gold holdings. Keynes's wisdom is not due to the scarcity of precious metals contained in the source of the value of money, nor to the utility or dividends (yield or output = q) provided by other goods (wheat, copper), but to the currency. (Liquidity premium / liquidity ／ premium = 1). However, we define the liquidity premium as not just the disposable gain of a good as an asset, but the economic reward that a currency gains in exchange for another good. The value of the currency and other goods from which the respective maintenance costs (carrying @ cost = c) are deducted are Vm (Mq-Mc + Ml) and Vg (Gq-Gc + Gl). A currency gains value by liquidation, and the amount (transaction T) and speed of liquidation enhances the value of the currency. The amount of increase in the gross value of a currency is represented by l · T / t (the second law of currency). By the way, Japan's last samurai government (Tokugawa Shogunate) collapsed because rice, which was provided in kind as a salary to Samurai, was inferior to the currency circulated among merchants in liquidity premium, This is because 1 (rice) · T / t <l (money) · T / t has occurred.

However, a currency, on the other hand, can be exchanged for another good, ie, as long as it is not liquidated, it can be turned into a claim, whether it retains its control or delegates it to another (eg a bank). . In addition, currency loses its value and becomes obsolete as a function of time due to receivables (at). Damage is the result of both defaulting as well as waiver (or withholding) of claims. Abandoning (or holding) a loan can easily happen if your wallet is packed with $ 10 billion and you only have one buck available. The increase balance of ΔM / ΔT (where T = transaction, M = money supply) is an effective index for promoting obsolescence. An intentional reserve of liquidity, such as interest rates on bank deposits, is a claim for psychological compensation for future destruction of the currency. Keynes's "effective demand," whether it arises in the future, is nothing less than the actual receipt of compensation required by holders for the destruction of currency values. Give the credited currency an opportunity to execute, and the currency will regain liquidity there for the first time. The loss of value due to the loss of liquidity will be restored by liquidation, but this will involve liquidation costs. Just as the maintenance cost of wheat and oil storage costs, the currency also has a liquidation cost a (liquidation cost per hour at), but this is actually the financial cost (interest commission etc.) including interest. Including). The amount of increase in the currency net is represented by l · T / ta · (1−T / t) (third law of currency). In other words, for example, in Japan, the M2 / GDP ratio has risen to 153%, and the deposit-loan rate of Shinkin banks, which has the highest local coherence, that is, should respond to the real investment / consumption demand of individuals and local industries, has fallen to 40%. (The remainder is investment in receivables, mainly government bonds), but this is nothing more than an indication of the rise in the liquidation cost of the Japanese yen.

Summarizing the three major rules of currency yields:
dVm−dVg = 1ｌT / ta ・ (1−T / t)

By the way, Keynes states that the ultimate purpose of the above-mentioned book is to elucidate the mechanism that determines employment. This is not just because he helped increase the number of members of the Conservative Party backed by worker support. An unspecified number of workers provide their labor in a form that can be converted into monetary value, exchange it for money, and then exchange the money obtained there for goods in the form of consumption, and the money flow at that time Is formed. At the same time, financial asset investment was emerging as another money flow along with investment-production-employment-consumption, but this was only a temporary detour loop and was eventually absorbed by the main flow starting from investment. Today, however, we know of a kind of cyclical, or real, asset-to-currency financial asset investment that is not consumed as an exit. (FIG. 12 (c))

Today, the production and consumption of goods by classic employment and investment (real economy) is becoming only one motive of money flow. Nobody recommends the form of liquidity, the ideal form of liquidity for currencies, because no money is overwhelmed, forming industrial capital through ascetic (probably derived from Protestantism) savings, The pattern of this being redirected to effective demand and commercial banks providing that pipe is also becoming a thing of the past. Matching currency with effective demand has become a daunting task, and currency liquidation costs are steadily increasing. There is a constant “storage” of currencies. "Retirement" may be rephrased as an unknown state of effective demand that should fulfill the receivables during the process of currency conversion into receivables. With the increase in uncertainty, the randomized liquidized energy eventually loses its way to a real good, that is, loses its direction and apparently subsides. This is exactly what the currency entropy phenomenon should be called.

One of the patterns is the loss of timing of loan execution, that is, the literal storage of cash. The claims have been effectively abandoned and abandoned. He worked furiously and saved money when he was young, but when he grew older, he didn't have anything he wanted, and he was forgotten as a closet deposit.

(2) The second method is to postpone the execution period of the loan to a period when the economic conditions at the time of execution are completely uncertain, that is, a period when the uncertainty is almost absolutely certain. A type of throwing bond that lacks the expectation of effective demand. The longer the spear throws, the more likely it is that the bond will not be executed.

One example of this happened in Japan's different dimension monetary policy (from 2012), which is locally called Abenomics. The value of banknotes (non-convertible managed currency) that should be secured by the state must be originally secured and improved. However, what Caesian did in this country was to frame and fix the monetization for ultra-long-term money flows, and also to eliminate the opportunity for liquidity of the currency in the market. It is a kind of paradox. The expansion of the balance sheet and the creation of excess liquidity seal the currency's original liquidity (exchange with real goods), the currency fluctuates self-recycling, and only the cost of liquidation expands. Buried as a cost. Keynes's biggest mistake is that he believes that the currency unconditionally increases solely by its liquidity premium and overlooks the risk of deterioration, which further imposes a monopoly on the issuance of fiat currency (non-substitutability). Supported by overconfidence. However, there are many examples of fiat currencies that failed during World War II, such as when the fiat banknotes issued by the Nanjing Kuomintang government were forced to recover immediately and Zimbabwe's superinflation. On the other hand, the Northern Song Song, the first banknote to appear in the world, was voluntarily issued by a merchant coalition centered on Chengdu, despite the absence of the government-central bank. , And gained market confidence through thorough quality control.

In Japan, one-year government bond yields fell by -0.132%, while forty-year government bonds fell to 0.834% (July 4, 2018). Banknotes (banknotes) are self-secured debt secured by government bonds. Furthermore, at the macro level, government bonds provide a final disposal site for large-scale issued currency flows (which should be a "temporary storage site" according to the Waste Disposal Act). The breakthrough is that it is easy to see that the loss of liquidity is a destruction of the currency's value, that is, the negative interest rate below the inflation rate (all other appreciation rates). It had to be exposed in the form of a fall.

If the value of the currency continues to fall steadily, banks will not have the risk of lending risk, and it is better to live on capital gains in anticipation of further declines in interest rates (short selling). According to a salaryman who accepts the classic system of exchanging labor and currency, money flows are absorbed into the liquidation cost of the currency itself, so the later generations also automatically allocate pie distributed from investment, production to employment income. It is reduced. It is the arrival of abundant poverty. But some doubt remains. Is the country no longer having decent funding needs and is so rich that it has no choice but to force banknotes to landfills? Or is the resource matching or redistribution system and the currency issuing system that defines them already only a fossil mammoth?

下 Under these circumstances, highly leveraged financial products are distributed and mini-bubbles are more likely to occur. A typical example of a mini-bubble appears in virtual currencies below the current bitcoin. Today, cryptocurrencies are nothing more than scum that has forgotten the true nature of the currency of matching goods and funds and displaying their value or paying on behalf of them. The value of the cryptocurrency is left to trading on consensus, and the total amount issued is fixed. It is based on the exchange of goods (transactions) and is free from the three major laws of currency. As a measure of the real economy, with a much larger transaction history, the role of the current cryptocurrency barely plays a role compared to fiat currencies that have gained confidence in the market, is that Keynes has the advantage of the currency's interest rate The only difference is that we have presented "alternative elasticity" as the basis for supporting.

““ Currency ”in each embodiment is operated in accordance with the above three major rules of currency. First, based on a "currency" that is always in a state of liquidity, that is, a real consumption demand and investment demand, a currency issuer (in each embodiment, a currency issuing system) approves its supply and demand, It is a "currency" (Shared @ Coin) that is issued in synchrony with credit creation and whose execution scope and terms of the loan are irreversibly limited by a smart contract. Here, the loss of value due to unreliable cyclical investment from currency to currency is engineeringly eliminated, and currencies increase in value through liquidation.

The point of the currency architecture of one embodiment of the present invention is that a P2P platform is used to establish the demand (consumption) and supply (investment) of funds and issue currency electronically with the approval of the issuer. It doesn't stop there. Second, another electronic currency 2 (token) is issued at the same time as the issued electronic currency 1 at a fixed exchange rate, and this electronic currency 2 (token) is used when the fund consumer actually purchases the goods. The point is that it is designed to apply. This is because the electronic currency 1 approved by the issuer can be arbitrarily exchanged with legal currency (US $) or another electronic currency, but cannot reflect the exchange rate with the local legal currency at all. For example, Mr. X of a barbecue shop raises 20,000 Joules in electronic currency 1 (for example, Joule) in an attempt to raise $ 20,000 to open a fish farm in the river area of Bangladesh by receiving and issuing this currency. Also, if 1 Joule = 1 US $, it is good, but if the market value is 10 Joule = 1 US $, it cannot withstand the actual currency issued based on actual demand. Assuming that the electronic currency A is a cross-border intercurrency, the electronic currency B is positioned as a local currency compatible with the local currency, and the mutual relationship is set separately. Ressefer is only a myth of the past for engineering reasons: the currency market does not automatically extract the point of intersection with the market for goods, because both are cyclic functions. There is no longer a need for a means to limit the universal exchangeable value of currencies, or to forcibly separate "exchange value" and "value in use" going back to ancient dialectic concepts. On the other hand, this currency provides investors with two investment opportunities through the management of currencies A and B. The currency can be exchanged for legal and electronic currencies via e-currency 1 and the local economy There are two possible positions of revenue share.

The integrated provision of an administration platform that reliably manages transactions and their rationale is inextricably linked to the formation of currency flows, and is the third characteristic of the currency. For example evaluates the CO ₂ reduction, but is required highly standardized management body system in cases, such as to distribute the reward from there, where it is built on the block chain. In addition, the contracts are enforced and managed by smart contracts.

The present invention has another mission. To support the generation of money flows in most areas of the world where capital accumulation, employment opportunities, well-developed markets and even the contact points of banks as currency managers are still scarce. is there. The Keynesian model, in which investment in employment and production in factories is linked to consumption and savings, is only possible in the background of Britain at the time when capitalism was maturing most in the world. Eating without working is a modern discipline. If you don't eat, you can't work, and where do you work in the first place? In the early stages of the market economy, the first thing to do is to use the currency. Individuals are the starting point of cash flow, and their personal businesses such as clothing inspection centers and fish farms spread to investment → production → employment → market formation → consumption. Currencies are exchanged electronically through mobile infrastructure, and currency settlement and credit creation are centralized. It will stimulate the production, investment and consumption of goods and will bring prosperity to the region in direct proportion to the size of currency transactions. For microfinances already provided, including Bangladesh, correct inefficiencies caused by centralized administration, reduce costs, increase service convenience, or increase the service area. Could contribute to expansion. In addition, cross-border resource allocation will contribute to normalization of money flows in countries where investment incentives have been depleted = reduction of liquidation costs.

2. Overview of Electronic Currency Issuing System The electronic currency issuing system in the present embodiment may be realized by, for example, one or a plurality of computers that execute the following processing.
(A) a processing unit (processor) scoring a condition (liquidation condition) for a fund consumer to obtain an investment by an investor and purchase a good (liquidation condition) and present it on a P2P platform;
(B) when the condition presented by the fund consumer and the investor matches the condition of the above (a), the processing unit approves the condition and makes a contract between the two,
(C) the processing unit issues to the investor a total amount of electronic currency A according to the contract conditions;
(D) causing the processing unit to exchange the electronic currency A and the electronic currency B for the exchange ratio with another electronic currency B presented in advance;
(E) the processing unit enables the fund consumer to purchase the goods using the electronic currency B; and
(F) After the purchase of the goods, the processing unit pays a reward derived from the digitized assets escrowed to the goods to the investor.

{For example, at least a part of the above processing (for example, processing (c) to (f)) is recorded and managed on the blockchain, and the contract is executed based on the smart contract.

In addition, the electronic currency issuance system analyzes the items by further subdividing the conditions of the goods purchased by the fund consumer, numerically scores by weighting how each item contributes to the reward obtained from finance, It may be presented on the platform.

The e-currency issuance system analyzes the items by subdividing the conditions of the goods purchased by the fund consumer, and numerically scores by weighting how each item contributes to the rewards obtained from finance. May be presented.

Based on the results of the above analysis, the electronic currency issuance system grasps the gap between the target (value) and the actual performance of the rewards that have actually occurred, reviews the weights of items that may cause a gap, and reviews the review results. And a new score may be presented.

見 直 し The weight is reviewed by, for example, approximating a predicted value and a result value obtained by appropriately increasing (or subtracting) the weight coefficient. The item (fine) corresponding to the weight coefficient changed at this time is considered to be the cause of the gap.

The e-currency issuance system calculates the exchange ratio of e-currency A to e-currency B by determining where and when goods are acquired, the average unit price per unit energy (Joule) in the area, and the types and properties of the goods to be acquired. Alternatively, the exchange ratio may be changed, the exchange ratio may be determined, and the exchange may be performed.

The electronic currency issuing system may determine and indicate the exchange ratio, and may exchange the electronic currency B for legal currency.

(4) The electronic currency issuing system compares the transaction conditions from the fund consumer terminal with the transaction conditions from the fund provider terminal, and approves the contracts that meet both conditions. In addition, both the fund consumer and the fund supplier are also referred to as a user, and both the fund consumer terminal and the fund supplier terminal are also referred to as a user terminal. This electronic currency issuing system is for issuing an electronic currency embodying economic value as electronic data on a network. The electronic currency issuing system can be roughly classified into a case where a fund consumer purchases a real asset (case 1) and a case where a credit line is presented and executed without being limited to the purchase of a specific real asset. (Case 2) is assumed, but is not limited thereto. Examples of Case 2 include, for example, unspecified living expenses such as rent for a child in a nursery school for an individual, personnel expenses for a small and medium-sized company, and ordinary expenses such as rent.

In order to fund consumer to buy a particular real assets, as an example of using an electronic currency in the present embodiment (one application), a CO ₂ reduction program using the market mechanism, has attracted the attention TPG (Trading Platform for Green product and services). FIG. 13 shows a conceptual diagram of TPG. TPG is different from the other CO ₂ emissions trading market, squeezed the subject in projects with energy-saving effect, among other CO ₂ reduction measures, investors are energy consumption reduction, which is expected (for example, the target energy reduction amount is (Set energy reduction measures). With energy reduction merit is CO ₂ reduction merit, procreation benefits on cash flow. For example, energy saving measures can benefit by reducing fuel consumption and lowering fuel costs. In some cases, profits may be generated from the reduction of CO ₂ . Investors will share the benefits of energy reduction measures with energy consumers, who are funders.

Existing CO ₂ emission market includes the following problems.
(A) It is often a bilateral transaction and does not attract small investors including the general public.
(B) The procedure is complicated because an application for CO ₂ reduction technology and approval by a third party organization such as the government are required in advance.
(C) Since prior application and approval are required, the technology is biased toward safe technologies with abundant track records, making it difficult to incorporate innovative technologies.
(D) It is not attractive as an investment incentive because it cannot respond to upfront finance required for capital investment.

For this reason, CO ₂ credit price also sluggish, reconstruction of climate change finance is an important issue. In contrast, TPG can present the benefits of energy savings, that is, the benefits of reducing CO _2, as a cash flow, so that investors can assume the risks associated with upfront fineness based on their expectation of dividends. In addition, for example, in a factory, the evaluation can be shown by the result of the energy saving amount per unit production amount, and there is no need to apply in advance for technology and equipment, and as a result, there are many choices for introduced technology. In addition, taking advantage of the P2P transaction utilizing the blockchain, it is possible for small investors to participate in the market through crossboater investment. It is possible to automate enormous clerical processes from certification and recording of the CO ₂ reduction effect to distribution of energy saving merit.

3. Configuration of Electronic Currency Issuing System Next, the configuration of the electronic currency issuing system in the present embodiment will be described.
FIG. 1 is a configuration diagram schematically illustrating an electronic currency issuing system according to the present embodiment. The electronic currency issuing system includes an electronic currency issuing device 10, a web server 20, and an application server 30. The electronic currency issuing device 10, the web server 20, and the application server 30 can communicate with each other via, for example, one or more of the networks 1 to 3. In addition, the electronic currency issuing device 10, the web server 20, and the application server 30 can communicate with the terminal devices 40 of the fund consumer and the investor, for example, via one or more of the networks 1 to 3. The electronic currency issuing device 10 is connected to the networks 1 to 3 and has an appropriate security layer for access from the network 1. The electronic currency issuing system may further include a gateway device 60 and other devices.

The network 1 is, for example, the Internet. The network 1 may be a wireless communication network, a wired communication network, or a network in which wireless and wired are mixed. For example, the network 1 may use a mobile phone network, a PHS (Personal Handyphone System) network, a wireless LAN (Local Area Network), or other networks conforming to various architectures of IEEE (Institute of Electrical and electronic Engineers). Good.

Network 2 is a network in which electronic currency B (second electronic currency) is issued. The network 2 is a network managed by the electronic currency issuing system. The network 3 is a network in which an electronic currency A (first electronic currency) is issued. The network 2 is, for example, a public network managed by a predetermined exchange. The gateway 60 is disposed between the network 2 and the network 3 and performs, for example, protocol conversion between the two networks.

FIG. 2 shows a hardware configuration diagram of the electronic currency issuing device 10. The electronic currency issuing device 10 includes a processing unit (processing system device, for example, CPU: Central Processing Unit) 11, a storage unit (storage device, for example, RAM: Random-Access Memory) 12, and an input unit (input system device) 13. And an output unit (output system device) 14, a display unit (display system device) 15, and a communication control unit (communication control system device) 16. The electronic currency issuing device 10 also includes a customer database (consumer DB) 17 for storing information about fund consumers, an investor database (investor DB) 18 for storing information about investors, and information about various transactions. And a transaction management database (transaction management DB) 19 that stores

The processing unit 11 is, for example, a processor such as a CPU, and executes processing in the electronic currency issuing device 10.

The storage unit 12 includes, for example, a storage medium such as a RAM and / or a storage medium such as an HDD (Hard Disc Drive) and a flash memory. The storage unit 12 stores information such as a fund consumer, an investor, a format related to transaction (contract) management, and history (processing history, transaction history). The storage unit 12 stores a program read and executed by the processing unit 11.

The input unit 13 is, for example, a keyboard, a mouse, a touch panel, or the like. The processing unit 11 inputs information according to the operation of the input unit 13 by the user. The output unit 14 is, for example, a speaker, a printer port, or the like. The processing unit 11 may output information via the output unit 14. The display unit 15 is, for example, a display, and displays information. The display unit 15 may be configured integrally with the input unit 13 as a touch panel. The communication control unit 16 is an interface with the networks 1 to 3. The communication control unit 16 controls communication according to a predetermined communication protocol.

FIG. 3 shows a logical block diagram of the processing unit 11 of the electronic currency issuing device 10. The processing unit 11 includes, for example, an account address management unit 111, a reception management unit 112, a P2P transaction condition presentation unit 113, a P2P transaction authentication unit 114, a smart contract unit 115, a mining unit 116, an electronic currency exchange unit 117.

The account address management unit 111 specifies users (financial customers and investors) in a P2P (Peer-to-Peer) network. The reception management unit 112 receives the price or the electronic currency from the investor terminal, and confirms the total amount of the received electronic currency. The P2P transaction condition presentation unit 113 presents investment conditions to each of the fund consumer and the investor. The P2P transaction authentication unit 114 compares (compares) transaction conditions received from the fund consumer terminal and the investor terminal. In addition, the P2P transaction authentication unit 114 determines that there is a gap between the transaction condition received from the fund consumer terminal or the transaction condition received from the investor terminal and the condition presented by the P2P transaction condition presentation unit 113. Resubmit contract content data indicating another contract content based on the gap value. The P2P transaction authentication unit 114 approves the transaction when the user operates the terminal device 40 to execute the approval process for the presented or re-presented contract content. The P2P transaction authentication unit 114 presents the contract content data to the user terminal and authenticates the conclusion of the contract. The smart contract unit 115 issues the electronic currency B corresponding to the P2P transaction contract content on the network as an approver of the private blockchain based on the authentication by the P2P transaction authentication unit 114. Further, the smart contract unit 115 distributes an ID related to the blockchain transaction to the user terminal 40. The mining unit 116 stores the electronic currency transaction, and performs mining by one of the nodes connected to the network 2 by proof of work. The electronic currency exchange unit 117 exchanges the electronic currency A and the electronic currency B based on the exchange ratio of the electronic currency A and the electronic currency B provided in the contract content.

FIG. 4 shows a configuration diagram of the web server 20. The web server 20 includes, for example, a processing unit (processing system device, for example, CPU) 21, a storage unit (storage system device, for example, RAM) 22, an input unit (input system device) 23, and an output unit (output system device). 24, a display unit (display system device) 25, and a communication control unit (communication control system device) 26. The web server 20 is connected to the network 1. The web server 20 (for example, the storage unit 22) stores, for example, various contents, authentication (repeat plan), notice of rejection, notice of contract information, notice of investment project scoring information, notice of portfolio information, report, prior document delivery, contract document Stores information related to delivery, receipts, etc. The storage unit 22 stores a program read and executed by the processing unit 21.

(4) The web server 20 (for example, the processing unit 21 and the communication control unit 26) distributes the stored information to the terminal device 40 (financial customer terminal, investor terminal). The terminal device 40 displays the distributed information on the display unit by the above-described application (P2P transaction management program), so that the fund consumer and the investor can browse the distributed information.

(4) The input unit 23, the output unit 24, the display unit 25, and the communication control unit 26 are the same as those in the above-described electronic currency issuing device 10, and thus description thereof is omitted.

FIG. 5 shows a configuration diagram of the application server 30. The application server 30 includes, for example, a processing unit (processing system device, for example, CPU) 31, a storage unit (storage device, for example, RAM) 32, an input unit (input system device) 33, and an output unit (output system device). 34, a display unit (display system device) 35, and a communication control unit (communication control system device) 36. The application server 30 is connected to the network 2.

The storage unit 32 includes a storage medium such as a RAM and / or a storage medium such as an HDD and a flash memory. The storage unit 32 stores formats, histories, and the like relating to fund consumers, investors, transaction (contract) management. Specific examples of the information stored in the storage unit 32 include information such as an order slip, a settlement measure confirmation record, a digital asset management method record, a transaction diary, a customer account ledger, and a separation management status record. The storage unit 32 stores a program read and executed by the processing unit 31.

(4) The input unit 33, the output unit 34, the display unit 35, and the communication control unit 36 are the same as those in the above-described electronic currency issuing device 10, and thus description thereof will be omitted.

FIG. 6 shows a logical block diagram of the processing unit 21 of the web server 20. The processing unit 11 includes, for example, a contract execution unit 211, a reward distribution unit 212, and a contract management unit 213.

(4) The contract execution unit 211 causes the contract to be executed based on the smart contract. The reward distribution unit 212 delivers dividends and / or principal and interest repayments generated over time from digital assets to investors as rewards. The contract management unit 213 compares (contrasts) the contract content with the execution result. The application executed by the application server 30 differs depending on the type of goods to be handled, contract contents, and the like, and can execute a menu such as performing a cland funding in an early stage in a virtual space.

The terminal device 40 is, for example, a terminal device such as a PC, a server, a mobile phone, a smartphone, a tablet, and a game terminal connected to the network 1. The terminal device 40 has previously downloaded and stored an application (P2P transaction management program) related to expenses distributed by the currency issuing system. The terminal device 40 executes the stored application.

FIG. 7 shows a configuration diagram of the terminal device 40. The terminal device 40 includes, for example, a processing unit (processing system device, for example, CPU) 41, a storage unit (storage system device, for example, RAM) 42, an input unit (input system device) 43, and an output unit (output system device). 44, a display unit (display system device) 45, and a communication control unit (communication control system device) 46.

E-currency issuing system uses blockchain. Two types of transactions are stored in the block of the block chain. Specifically, data related to a transaction of the electronic currency B and data related to a transaction of a right related to a digitized and encrypted asset are stored. Each time a transaction is issued, data relating to the transaction is issued to the network 2 and shared by all nodes (each device) connected to the network 2. The data includes, for example, records relating to each user's account address, remittance and receipt, transfer and exchange of digital rights, and the type of data varies depending on the transaction content.

For example, transactions that users can execute in a market on a blockchain (MPB = Market @ Place @ on @ Blockchain) using the electronic currency B include digitization, buying and selling of encrypted rights, or a predetermined In other words, by satisfying the above contract conditions, investors can execute crowdfunding up to the target amount. A menu corresponding to these transactions can be displayed on the terminal device 40.

4. Next, processing of the electronic currency issuing system in the present embodiment will be described. FIG. 8 is a flowchart showing processing of the electronic currency issuing system. FIG. 9 shows a total workflow of the electronic currency issuing system. FIG. 10 schematically illustrates a flow of scoring and display of a risk score in the workflow of the electronic currency issuing system. Hereinafter, description will be made mainly with reference to FIG.

The following processing is described as being executed by the electronic currency issuing device 10 (for example, the processing unit 11) unless otherwise specified, but a part of the processing is performed by the web server 20 (for example, the processing unit 21). ) Or the application server 30 (for example, the processing unit 31). Information processed by the electronic currency issuing device 10 (for example, the processing unit 11) is stored in the storage unit 12 in advance, and information processed by the electronic currency issuing device 10 (for example, the processing unit 11) is stored in the storage unit 12. It is stored as appropriate. Further, intermediate data in the processing of the electronic currency issuing device 10 (for example, the processing unit 11) can also be appropriately stored in the storage unit 12 or the internal memory of the processing unit 11.

First, for example, the electronic currency issuing device 10 (the processing unit 11) discloses an advertisement indicating business details on a website. For example, an advertisement indicating that an application from a fund consumer and an application from an investor have been accepted is disclosed. At least in this project, we will specifically identify funding customers and investors, and will not conduct transactions anonymously. The specific means can adopt various aspects depending on each country. For example, the reliability of the identification information, such as identification information such as a personal identification number, a social security number, and a personal identification number, and the acquisition procedure. Is determined in advance in consideration of any one or a plurality of viewpoints such as the work efficiency and the automation method. In addition, for example, the electronic currency issuing device 10 (the processing unit 11) compares (contrasts) the identification information with the information of the useful money laundering and antisocial power DB.

For example, the electronic currency issuing device 10 (processing unit 11) receives the solicitation conditions for investment or borrowing from the terminal device (consumer terminal) 40 of the fund customer, and receives the investment condition from the terminal device (investor terminal) 40 of the investor. Is received (S101).

The solicitation conditions include, for example, the amount of investment to be offered, the investment period, the investment return (ROI), and the presence or absence of preservation measures. The recruitment conditions further include, for example, information on the investment target and information on the investment target person. The introduced equipment / technology and who (including the business operator) the user (financial customer) belongs to the latter information. In other words, the solicitation condition is also a condition under which a fund consumer obtains investment from an investor and purchases a good (liquidation condition).

Investment conditions include, for example, investment amount (investment limit amount), desired investment period, desired investment return (ROI), and presence or absence of preservation measures.

In a Person-To-Person type transaction targeting individuals, the solicitation conditions include, for example, the loan amount, repayment period and repayment conditions, interest rates, and the presence or absence of preservation measures. Whether or not the information includes information that can legally prove the existence of the individual user depends on regulations and the like relating to personal information in the place. It can be predetermined. Here, the place may be a place where the user or the terminal device 40 is located, a registered address of the user, or a place where the electronic currency issuing device 10 provides a service.

For example, the electronic currency issuing device 10 (the processing unit 11) scores (scores) the conditions under which the fund consumer obtains the investment by the investor and purchases the goods (the above recruiting conditions), and presents the information to the P2P platform. (S103).

Score is a measure of the security of investment or the certainty of return execution. The score is, for example, a minimum value of 0 and a maximum value of 100, with 80 or higher indicating safe, 60-80 as standard, 40-60 as slightly alert, and 40 or lower as high risk. However, an investment ineligible project may be screened (approved) in advance at the application stage, and may not be reflected in the score value.

The score is calculated, for example, by an analysis engine on the platform side (for example, the processing unit 11 of the electronic currency issuing device 10), a cash flow (profit) that can be generated in future from funds procured by the fund consumer, and an expected dividend to the investor. Is calculated, and a score based on the calculated cash flow and / or expected dividend is calculated. Further, for example, the processing unit 11 of the electronic currency issuing device 10 divides the obtained score by a plurality of predetermined thresholds and ranks the scores in a plurality of stages as described above. Hereinafter, the score or the rank based on the score may be referred to as scoring information. The information presented here is, for example, scoring information and the above-mentioned recruitment conditions and investment conditions.

(4) It is not necessary that the assets to be invested and the investors be 1: 1. For example, a plurality of investors can invest in an asset to be invested. In some cases, one or more asset owners purchase baskets of a plurality of assets. However, basket conversion may be realized by grouping assets into investment targets for each of the same score divisions (ranks). Alternatively, it is desirable that the asset itself belongs to the same system (for example, a system such as a lighting system, an air conditioning system, and a heat exchange system).

Steps S101 and S103 will be further described. For example, the electronic currency issuing device 10 (processing unit 11) is a platform on the Internet that is a fund consumer (user or EPC contractor) who wants to introduce energy-saving equipment, a profile of the fund consumer, an introduction facility / technology, an expected energy saving amount, Present the expected energy saving amount and the dividend rate to investors. In the case of the loan method, the electronic currency issuing device 10 (processing unit 11) presents interest rates, repayment conditions, and the like as individual information. Separately from this, the electronic currency issuing device 10 (processing unit 11) calculates a cash flow that can be generated in the future from the funds procured by the fund consumer and a dividend to the investor using an analysis engine on the platform side. The electronic currency issuing device 10 (processing unit 11) displays the scoring information on the screen of the terminal device of the investor (for example, a smartphone or a PC) using, for example, a three-stage score as the scoring information (fluidization). Condition). The above scoring information includes the installed equipment, equipment provider, provided technology (provider), installed equipment conditions (useful life, operating pressure if heat, etc.), and the contribution of other factors to performance. It can be calculated by weighting the contribution degree. The actual performance is taken into the electronic currency issuing device 10 as data at regular intervals, and the electronic currency issuing device 10 finds a difference from a target value and detects a divergence (gap) equal to or greater than a predetermined threshold. When detecting the deviation, the electronic currency issuing device 10 resolves the cause of the deviation by changing (reviewing) the weight (weight coefficient) of each factor. The change in the weight is finally reflected in the restructuring of the investment and loan scheme such as the scoring information, the dividend rate or the repayment condition rate, and the electronic currency issuing device 10 (processing unit 11) transmits the scoring information and the like on the platform. To re-present.

Next, for example, the electronic currency issuing device 10 (the processing unit 11) compares the recruitment conditions received from the fund consumer terminal 40 with the investment conditions received from the investor terminal 40 (S105). Further, for example, when both conditions match in step S105, the electronic currency issuing device 10 (processing unit 11) approves the conclusion of the contract, and executes the contract processing between the fund consumer and the investor in the fund consumer terminal 40. Is executed via the investor terminal 40 (S107).

{For example, the recruiting conditions and the investment conditions are put into a matrix, and are classified and matched, for example, as 80 cases and 60 cases. Specifically, one of the case where the return is high, the collection period is short, but the risk is high, and the case where the return is low, the collection period is long, but the risk is low, from the investor terminal 40, In accordance with the received investment condition, for example, the electronic currency issuing device 10 (processing unit 11) selects. Actually, various values occur, such as a case in which the return is high but the payback period is long, and a value depending on the size of the investment itself. However, as a result of the comparison, the electronic currency issuing device 10 (processing unit 11) notifies the investor terminal 40 again of the case where the conditions do not match, and transmits information indicating whether or not the investment is possible from the investor terminal 40. Receive.

契約 The contract process in step S107 will be described in more detail. If the recruitment condition from the fund consumer terminal 40 and the investment condition from the investor terminal 40 match, for example, the electronic currency issuing device 10 (processing unit 11) notifies the fund consumer terminal 40 and the investor Notify the terminal 40. In addition, for example, the electronic currency issuing device 10 (the processing unit 11) outputs the document information before the conclusion of the contract to the fund consumer terminal 40 (the terminal device of the energy saving user), and displays the information on the display unit of the fund consumer terminal 40. Display. Further, for example, the electronic currency issuing device 10 (processing unit 11) transmits information on the equipment to be purchased and the purchase conditions, a document on the conclusion of the contract, and a document on the best execution policy to the fund consumer terminal 40 and the investor terminal 40 (for example, a smartphone). , A terminal device such as a PC, etc.) to be displayed on the display unit. For example, if the score is set to three levels and the third is a high-risk high-return type, for example, the electronic currency issuing device 10 (processing unit 11) determines that the conditions are met when the supply and demand match in this category. Conditions 1, 2, and 3 in FIG. 9 correspond to this. The fund consumer and the investor operate the fund consumer terminal 40 and the investor terminal 40, respectively, to indicate intention of application or cancellation. The fund consumer terminal 40 and the investor terminal 40 transmit an application confirmation notice to the electronic currency issuing device 10. The electronic currency issuing device 10 concludes a contract upon receiving the confirmation notification of the application, and issues an ID related to the delivery of the electronic currency. A match between the requisition conditions from the fund consumer terminal 40 and the investment conditions from the investor terminal 40 corresponds to detection of an investment for the requisition condition or detection of a fund demand for the investment condition. .

Next, for example, the electronic currency issuing device 10 (processing unit 11) issues the electronic currency A to the investor terminal 40 (S109). In other words, the investor purchases the electronic currency A via legal currency or a virtual currency other than the electronic currency A. The purchase price is an amount equivalent to the contract conditions. The rate at which the electronic currency A is purchased varies depending on the market. Here, for example, the rate at the time of purchase can be used. For example, the electronic currency issuing device 10 (processing unit 11) checks the total amount of the electronic currency A to be issued, and if it does not differ from the contract conditions, sends the electronic currency A to the investor (investor terminal 40). Issue. Data after the conclusion of the contract is stored on the blockchain, and the contract is executed based on the smart contract.

For example, the electronic currency issuing device 10 (processing unit 11) determines an exchange ratio from the electronic currency A to the electronic currency B (S111). Further, for example, the electronic currency issuing device 10 (processing unit 11) exchanges the electronic currency A and the electronic currency B at the determined exchange ratio (S113).

Here, the exchange ratio (first exchange ratio) from electronic currency A to electronic currency B will be described. The electronic currency A is exchanged with the electronic currency B based on a predetermined first exchange ratio. The first exchange ratio determines the exchange ratio between the electronic currency B and the real asset purchased by the electronic currency B first, and then determines the exchange ratio from the electronic currency A to the electronic currency B. The exchange ratio between the electronic currency B and the real asset may be determined by, for example, setting the ratio of the local legal currency to 1: 1 or the value of the asset, for example, the unit price per unit calorific value (Jule) in the case of energy. A method of determining the base is used.

第 The first exchange ratio can be changed as appropriate. More specifically, the exchange system using the electronic currency A is universal, whereas the electronic currency B is an exchange system based on purchasing power parity. By changing the first exchange ratio, it is possible to reduce the influence on the actual purchase of goods due to the price fluctuation of the electronic currency. Therefore, the electronic currency issuing device 10 specifies the type of the goods which is the basis of the purchasing power parity at the relevant time in the local area, and determines the exchange ratio in which the kinds of the goods are pegged in advance. The electronic currency issuing device 10 stores these pieces of information in the storage unit 12 in advance. Here, Big Mac and Starbucks latte are sometimes used as goods that serve as the basis for purchasing power parity, but there is a possibility that bias will occur with these products alone. Therefore, if a good to be purchased using the present electronic currency is determined, the electronic currency issuing device 10 may determine the first exchange ratio based on the price of the good or a good close to the good. Goods similar to goods are classified into categories and stored in the electronic currency issuing device 10, for example, so that the electronic currency issuing device 10 can determine that goods in the same category are similar goods. it can. In particular, depending on the case, it is also an investment target, and the unit price per unit energy of each carrier (for example, each of electricity, steam, and primary energy), which is originally a general-purpose product, is one of the indices that can be easily compared.

In step S111, the electronic currency issuing device 10 (processing unit 11) determines the legal currency (however, the local currency is limited) from the electronic currency B together with the first exchange ratio from the electronic currency A to B. Good. As described above, when determining the first exchange ratio from the electronic currency A to the electronic currency B, the purchasing power parity is used, and when the purchase of a specific asset is intended, the local price is determined. On the other hand, the exchange ratio (second exchange ratio) from the electronic currency B to the local legal currency is simply determined in advance as 1: 1 or 1: 2 and stored in the storage unit 12 of the electronic currency issuing device 10. May be done. For example, when electricity is purchased locally at 2 cents / Kw, it is only necessary to be able to purchase 1 Kw in two units of the electronic currency B.

電子 Through the above processing, the electronic currency B is issued in accordance with the amount invested by the investor. The electronic currency issuing device 10 (processing unit 11) enables a fund consumer to purchase goods using the electronic currency B using, for example, the customer terminal 40. For example, the electronic currency issuing device 10 transfers the issued electronic currency B to the account account of the fund consumer. The use of funds by fund consumers generates rewards for investors.

{For example, the electronic currency issuing device 10 (the processing unit 11) stores the reward in the storage unit 12 (S115). Rewards may be stored periodically. The reward is generated, for example, from an energy saving effect over time obtained from an asset purchased by an asset consumer and an economical use obtained from the asset or the energy saving effect. Rewards may occur over time, for example, monthly. The reward may be equivalent to a monthly principal and interest repayment.

例 え ば Further, for example, the electronic currency issuing device 10 (processing unit 11) calculates a payout and gives it to the investor terminal 40 (S119). For example, the electronic currency issuing device 10 (processing unit 11) calculates a payout amount by distributing a reward (total payout) to the investor in accordance with the invested amount, and calculates the payout amount to each investor terminal 40. Is given.

For example, the electronic currency issuing device 10 (processing unit 11) may transmit the information (report) shown in FIG. These pieces of information may be provided from, for example, the customer terminal 40, and past information may be stored in the storage unit 12 of the electronic currency issuing device 10. Information as shown in FIG. 11 is displayed on the display unit of the investor terminal 40.

配 当 In this way, dividends or repayments are made to investors based on the contract. The recording of the status of the digital asset on which the dividend or repayment is based and the execution of the dividend or repayment are performed based on the smart contract on the blockchain.

The electronic currency B exchanged from the electronic currency A may be distributed as an electronic currency compatible with the local legal currency. For example, the processing unit 11 of the electronic currency issuing device 10 may issue the exchanged electronic currency B as an electronic currency compatible with the local legal currency.

When e-currency B is not settled, invest in receivables in the blockchain market (MPM = Market Place ＝ Blockchain) for digitized and encrypted assets escrowed into real assets using e-currency B, and earn rewards. You may get it. Further, at the time of settlement of the electronic currency B, the receivables may be sold to acquire an electronic currency which can be used for settlement.

For example, when the exchanged electronic currency B has not been exchanged for a good, the processing unit 11 of the electronic currency issuing device 10 transmits the digitalized and encrypted asset escrowed to the real asset using the electronic currency B. For the target, an investment process for investing in a loan in a market (MPM = Market-Place-Blockchain) on the blockchain may be executed. Thereby, the reward by the bond investment is acquired, and the processing unit 11 may store the acquired reward in the storage unit 12 or an appropriate storage device. Then, at the time of settlement in which the electronic currency B is exchanged for goods, the processing unit 11 acquires an electronic currency that can sell the above-mentioned receivables and provide the settlement. The investment process may be, for example, a process in which the processing unit 11 purchases a predetermined bond in accordance with the issued amount of the electronic currency B, or the processing unit 11 may use a predetermined index from a plurality of bonds. It may be a process of selecting and purchasing a bond based on the credit, or another process executed by the processing unit 11. As described above, funds may be managed using the electronic currency B after the electronic currency B is issued until the electronic currency B is exchanged for goods.

Further, the total amount of issued electronic currency may be monitored and regulated based on dVm−dVg = 1ｇT / ta (1−T / t). However, dVm is the total value increase of the currency during the predetermined period, dVg is the total value increase of the goods excluding the currency during the predetermined period, and l · T / t is the liquidity premium during the predetermined period. The product of the transaction amount and a · (1−T / t) is the amount of currency value loss during a predetermined period. For example, the processing unit 11 of the electronic currency issuing device 10 monitors the total amount of the electronic currency A or B to be issued or exchanged, and stores, displays, or transmits a value given by the following equation.
dVm−dVg = 1ｌT / ta ・ (1−T / t)
Here, dVm: the total increase amount of the electronic currency during a predetermined period,
dVg: total value increase of goods excluding currency during a predetermined period,
l · T / t: product of the liquidity premium and the transaction volume during a predetermined period,
a · (1−T / t): the amount of loss of currency value during a predetermined period. Also, the processing unit 11 outputs, for example, a value given by the above equation or any one of a plurality of terms constituting the above equation. An alert may be issued when the value exceeds a predetermined value.

Note that the above-described processing is one example of the present embodiment, and the present invention is not limited to this. Since the statutory procedures based on the laws of each country are different even for the same type of business, the processing flow differs depending on the region and country where the process is executed. For example, the Investment Law, the Banking Law, the Securities and Exchange Law, the Money Laundering Prevention Law, and the Personal Information Protection Law are the main applicable laws and regulations of compliance, but are not limited thereto. Examples of internal storage records and their storage methods include order slips, settlement measure confirmation records, transaction diaries, customer account ledgers, segregation management status of customer assets, transaction reports to investors, and transaction balance reports. There are records etc.

電子 In addition, after the electronic currency B is paid to the fund consumer, it may be finally exchanged with the local currency at a fixed exchange rate. Further, the usage of the electronic currency may be limited to a specific usage. Or, more broadly, the value of a currency may be limited to its value in use. The method of exchange with local currencies can be determined according to local laws and the state of the development of financial infrastructure, and in some cases, services are delegated to existing banks and other financial institutions in the region. Furthermore, there is a case where the exchange rate with the local currency is set to 1: 1 to distribute as an alternative legal electronic currency.

5. Supplementary Note Some or all of the above embodiments may be described as in the following supplementary notes, but are not limited to the following.

(Appendix 1)
An electronic currency issuing system that issues electronic currency managed by a blockchain,
A processing unit for performing processing;
A storage unit for storing information;
A communication control unit that communicates with the fund consumer terminal and the investor terminal via a network,
The processing unit includes:
Presenting, on a P2P (Peer-to-Peer) platform, an offer condition including an amount of funding received from the fund consumer terminal and / or an investment condition including an investment amount received from the investor terminal. And
An electronic currency issuance system that issues the electronic currency according to a fund solicitation amount or an investment amount when an investment in the solicitation condition or a fund demand for the investment condition is detected.

(Appendix 2)
The electronic currency is a first electronic currency in which an exchange ratio with a legal currency or another electronic currency fluctuates,
The processing unit includes:
Issue the first electronic currency when the recruitment conditions received from the fund consumer terminal and the investment conditions received from the investor terminal match,
The issued first electronic currency is exchanged for a second electronic currency at a predetermined exchange ratio,
2. The electronic currency issuing system according to claim 1, wherein the exchanged second electronic currency is stored in association with the customer terminal.

(Appendix 3)
The processing unit includes:
Enabling funding consumers to purchase goods using a second electronic currency;
Electronic currency issuance as described in Appendix 2, which calculates the dividend amount to the investor based on the reward derived from the digitized asset escrowed into the good after purchasing the good and sends the dividend amount to the investor terminal system.

(Appendix 4)
The processing unit includes:
Obtain a score for investment risk based on the recruitment conditions received from the fund consumer terminal,
The electronic currency issuing system according to Appendix 1, further presenting the score on a P2P platform.

(Appendix 5)
The processing unit includes:
When the recruitment conditions received from the fund consumer terminal and the investment conditions received from the investor terminal match, the contract processing between the fund consumer and the investor is performed via the fund consumer terminal and the investor terminal. The electronic currency issuing system according to Appendix 1, wherein the electronic currency issuing system is executed.

(Appendix 6)
In the recruitment conditions, the fund consumer does not specify the goods to be purchased, but specifies the credit line of the amount that the fund consumer can exchange for the goods,
The processing unit includes:
2. The electronic currency issuing system according to claim 1, wherein, when an investment in the solicitation condition that specifies a credit line is detected, the electronic currency is issued in accordance with a fund solicitation amount or an investment amount.

(Appendix 7)
The processing unit includes:
The recruitment conditions received from the fund consumer terminal are subdivided into a plurality of items by a predetermined analysis engine, and weighted by multiplying each item by a weight indicating a degree of contribution to rewards obtained from finance. The electronic currency issuing system according to Appendix 4, wherein the recruitment conditions are scored, and the score is presented on a P2P platform.

(Appendix 8)
The processing unit includes:
For the generated reward, calculate the gap between the predetermined target value and the actual value,
8. The electronic currency issuing system according to claim 7, wherein the weight is changed so as to reduce the gap, the score of the recruitment condition is changed, and the score is newly presented on a P2P platform. .

(Appendix 9)
The processing unit includes:
The exchange rate from the first e-currency to the second e-currency is calculated based on the location and timing of the acquisition of goods, the average unit price per unit energy (Joule) at the place, and the type of goods to be acquired. Or depending on more than one,
With a changed exchange rate. 2. The electronic currency issuing system according to claim 1, wherein the first electronic currency is exchanged for a second electronic currency.

(Appendix 10)
The processing unit includes:
2. The electronic currency issuing system according to claim 1, wherein the second electronic currency is exchanged for the legal currency at a predetermined exchange ratio from the second electronic currency to the legal currency.

(Appendix 11)
The electronic currency issuance system according to Appendix 1, wherein trading of digitized assets escrowed into goods by a plurality of terminal devices is performed in a market (MPB: Market Place on Blockchain) on a blockchain.

(Appendix 12)
2. The electronic currency issuance system according to claim 1, wherein the fund consumer terminal performs crowdfunding on a market on the blockchain from an investor with a predetermined target amount as an upper limit.

(Appendix 13)
The electronic currency issuing system according to claim 2, wherein the second electronic currency to be exchanged is issued as an electronic currency compatible with a local legal currency.

(Appendix 14)
The processing unit includes:
At the time of settlement, when the exchanged second e-currency is not exchanged for goods, investing in the blockchain market for digitalized and encrypted assets escrowed into real assets using the second e-currency Execute the investment process to store the rewards for bond investment,
3. The electronic currency issuing system according to claim 2, wherein at the time of settlement in which the second electronic currency is exchanged for a good, the receivable is sold to acquire an electronic currency that can be used for settlement.

(Appendix 15)
The processing unit includes:
Monitor the total amount of the first or second electronic currency to be issued or exchanged,
dVm−dVg = 1ｌT / ta ・ (1−T / t)
Here, dVm: the total increase amount of the electronic currency during a predetermined period,
dVg: total value increase of goods excluding currency during a predetermined period,
l · T / t: product of the liquidity premium and the transaction volume during a predetermined period,
a. (1−T / t): The electronic currency issuing system according to claim 2, wherein a value given by the amount of currency value damage during a predetermined period is stored, displayed or transmitted.

(Appendix 16)
A processing unit for performing processing;
A storage unit for storing information;
A communication control unit that communicates with the fund consumer terminal and the investor terminal via a network,
The processing unit includes:
Investing in the first electronic currency in which the exchange rate with the legal currency or another electronic currency fluctuates when the fund solicitation condition received from the fund consumer terminal and the investment condition received from the investor terminal match. Issued to the home terminal,
The issued first electronic currency is exchanged for a second electronic currency at a predetermined exchange ratio,
An electronic currency issuing system that stores the exchanged second electronic currency in the storage unit in association with the customer terminal.

(Appendix 17)
An electronic currency issuing method using an electronic currency issuing device that issues an electronic currency managed by a blockchain,
The processing unit of the electronic currency issuing device,
Presenting, on a P2P (Peer-to-Peer) platform, the solicitation conditions including the amount of funding received from the fund consumer terminal and / or the investment conditions including the investment amount received from the investor terminal,
An electronic currency issuance method for issuing the electronic currency according to a fund offer amount or an investment amount when an investment for the offer condition or a fund demand for the investment condition is detected.

(Appendix 18)
What is claimed is: 1. A computer-readable recording medium storing an electronic currency issuing program for issuing an electronic currency managed by a blockchain, said electronic currency issuing program comprising: a computer for receiving a fund received from a fund consumer terminal; Presenting, on a P2P (Peer-to-Peer) platform, an offer condition including an investment amount and / or an investment condition including an investment amount received from an investor terminal;
A storage medium for executing processing for issuing the electronic currency in accordance with the fundraising amount or the investment amount when an investment for the funding condition or a fund demand for the investment condition is detected.

(Appendix 19)
An electronic currency issuance program for issuing an electronic currency managed by a blockchain, wherein the electronic currency issuance program includes, on a computer, a funding condition including a fundraising amount received from a fund consumer terminal, and / or Presenting the investment conditions including the investment amount received from the investor terminal on a P2P (Peer-to-Peer) platform;
And an electronic currency issuing program for executing a process of issuing the electronic currency in accordance with a fund solicitation amount or an investment amount when an investment for the investment condition or a fund demand for the investment condition is detected.

(Appendix 20)
An electronic currency issuing device that issues electronic currency managed by a blockchain,
A processing unit for performing processing;
A storage unit for storing information;
A communication control unit that communicates with the fund consumer terminal and the investor terminal via a network,
The processing unit includes:
Presenting, on a P2P (Peer-to-Peer) platform, an offer condition including an amount of funding received from the fund consumer terminal and / or an investment condition including an investment amount received from the investor terminal. And
An electronic currency issuing device that issues the electronic currency in accordance with the amount of fund solicitation or the amount of investment when an investment for the investment condition or a fund demand for the investment condition is detected.

6. 3. Modifications Although the embodiments of the present invention have been described above, the present invention is not limited to these embodiments. It will be understood by those skilled in the art that these embodiments are merely illustrative and that various modifications may be made without departing from the scope and spirit of the invention.

For example, each of the above-described processes may be executed in an order other than the order shown in the drawings and the above-described processes, or at least a part thereof may be executed in parallel. In addition, some of the processes may be omitted, or may be added to other processes. Each of the above-described devices may be configured by one device, or may be configured by a plurality of devices. Further, a plurality of the above-described devices may be integrally formed. Further, some functions of the above-described device may be realized by another device.

Also, a method including the processing of the above components may be provided, and a program (or a program medium) for causing a processor to execute the processing of the above components may be provided. In addition, a non-transitory recording medium (Non-transitory computer readable medium) that can be read by a computer that records the program may be provided. Naturally, such devices, modules, methods, programs, and non-transitory computer-readable recording media are also included in the present invention.

The present invention is applicable to, for example, an IT (Information Technology) system.

Reference Signs List 10 electronic currency issuing device 11 processing unit 12 storage unit 16 communication control unit 20 web server 30 application server 40 terminal device 60 gateway

Claims (18)

1. An electronic currency issuing system that issues electronic currency managed by a blockchain,
   A processing unit for performing processing;
   A storage unit for storing information;
   A communication control unit that communicates with the fund consumer terminal and the investor terminal via a network,
   The processing unit includes:
   Presenting, on a P2P (Peer-to-Peer) platform, an offer condition including an amount of funding received from the fund consumer terminal and / or an investment condition including an investment amount received from the investor terminal. And
   An electronic currency issuance system that issues the electronic currency according to a fund solicitation amount or an investment amount when an investment in the solicitation condition or a fund demand for the investment condition is detected.
2. The electronic currency is a first electronic currency in which an exchange ratio with a legal currency or another electronic currency fluctuates,
   The processing unit includes:
   Issue the first electronic currency when the recruitment conditions received from the fund consumer terminal and the investment conditions received from the investor terminal match,
   The issued first electronic currency is exchanged for a second electronic currency at a predetermined exchange ratio,
   The electronic currency issuing system according to claim 1, wherein the exchanged second electronic currency is stored in association with the customer terminal.
3. The processing unit includes:
   Enabling funding consumers to purchase goods using a second electronic currency;
   3. The electronic currency according to claim 2, wherein after the purchase of the goods, a dividend amount to the investor is calculated based on a reward derived from the digitized asset escrowed to the good, and the dividend amount is transmitted to the investor terminal. Publishing system.
4. The processing unit includes:
   Obtain a score for investment risk based on the recruitment conditions received from the fund consumer terminal,
   The electronic currency issuing system according to claim 1, further comprising presenting a score on a P2P platform.
5. The processing unit includes:
   When the recruitment conditions received from the fund consumer terminal and the investment conditions received from the investor terminal match, the contract processing between the fund consumer and the investor is performed via the fund consumer terminal and the investor terminal. 2. The electronic currency issuing system according to claim 1, wherein the electronic currency issuing system is executed.
6. In the recruitment conditions, the fund consumer does not specify the goods to be purchased, but specifies the credit line of the amount that the fund consumer can exchange for the goods,
   The processing unit includes:
   The electronic currency issuing system according to claim 1, wherein when an investment in the solicitation condition specifying a credit line is detected, the electronic currency is issued in accordance with a fund solicitation amount or an investment amount.
7. The processing unit includes:
   The recruitment conditions received from the fund consumer terminal are subdivided into a plurality of items by a predetermined analysis engine, and weighted by multiplying each item by a weight indicating a degree of contribution to rewards obtained from finance. The electronic currency issuing system according to claim 4, wherein the recruiting conditions are scored, and the score is presented on a P2P platform.
8. The processing unit includes:
   For the generated reward, calculate the gap between the predetermined target value and the actual value,
   The electronic currency issuing system according to claim 7, wherein the weight is changed so that the gap is reduced, the score of the recruitment condition is changed, and the score is newly presented on a P2P platform. .
9. The processing unit includes:
   The exchange rate from the first electronic currency to the second electronic currency is calculated based on the location and timing of the acquisition of the goods, the average unit price per unit energy (Joule) at the place, and the type of the goods to be acquired. Change according to one or more,
   With a changed exchange rate. 4. The electronic currency issuing system according to claim 3, wherein the first electronic currency is exchanged for a second electronic currency.
10. The processing unit includes:
    2. The electronic currency issuing system according to claim 1, wherein the second electronic currency is exchanged for the legal currency at a predetermined exchange ratio from the second electronic currency to the legal currency.
11. The electronic currency issuance system according to claim 1, wherein the digital asset escrowed by the plurality of terminal devices is traded in a market (MPB: \ Market \ Place \ on \ Blockchain) on the blockchain.
12. 2. The electronic currency issuing system according to claim 1, wherein the fund consumer terminal performs crowdfunding on a market on the blockchain from an investor with a preset target amount as an upper limit.
13. The electronic currency issuing system according to claim 2, wherein the second electronic currency to be exchanged is issued as an electronic currency compatible with a local legal currency.
    
14. The processing unit includes:
    At the time of settlement, when the exchanged second e-currency is not exchanged for goods, investing in the blockchain market for digitalized and encrypted assets escrowed into real assets using the second e-currency Execute the investment process to store the rewards for bond investment,
    3. The electronic currency issuing system according to claim 2, wherein at the time of settlement in which the second electronic currency is exchanged for a good, the receivable is sold to acquire an electronic currency that can be used for settlement.
15. The processing unit includes:
    Monitor the total amount of the first or second electronic currency to be issued or exchanged,
    dVm−dVg = 1ｌT / ta ・ (1−T / t)
    Here, dVm: the total increase amount of the electronic currency during a predetermined period,
    dVg: total value increase of goods excluding currency during a predetermined period,
    l · T / t: product of the liquidity premium and the transaction volume during a predetermined period,
    a. (1−T / t): The electronic currency issuing system according to claim 2, wherein a value given by the amount of currency value damage during a predetermined period is stored, displayed or transmitted.
16. A processing unit for performing processing;
    A storage unit for storing information;
    A communication control unit that communicates with the fund consumer terminal and the investor terminal via a network,
    The processing unit includes:
    Investing in the first electronic currency in which the exchange rate with the legal currency or another electronic currency fluctuates when the fund solicitation condition received from the fund consumer terminal and the investment condition received from the investor terminal match. Issued to the home terminal,
    The issued first electronic currency is exchanged for a second electronic currency at a predetermined exchange ratio,
    An electronic currency issuing system that stores the exchanged second electronic currency in the storage unit in association with the customer terminal.
17. An electronic currency issuing method using an electronic currency issuing device that issues an electronic currency managed by a blockchain,
    The processing unit of the electronic currency issuing device,
    Presenting, on a P2P (Peer-to-Peer) platform, the solicitation conditions including the amount of funding received from the fund consumer terminal and / or the investment conditions including the investment amount received from the investor terminal,
    An electronic currency issuance method for issuing the electronic currency according to a fund offer amount or an investment amount when an investment for the offer condition or a fund demand for the investment condition is detected.
18. What is claimed is: 1. A computer-readable recording medium storing an electronic currency issuing program for issuing an electronic currency managed by a blockchain, said electronic currency issuing program comprising: a computer for receiving a fund received from a fund consumer terminal; Presenting, on a P2P (Peer-to-Peer) platform, an offer condition including an investment amount and / or an investment condition including an investment amount received from an investor terminal;
    A storage medium for executing processing for issuing the electronic currency in accordance with the fundraising amount or the investment amount when an investment for the funding condition or a fund demand for the investment condition is detected.
    

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