WO2020039573A1 - Système d'émission de monnaie électronique, procédé d'émission de monnaie électronique et support de stockage - Google Patents

Système d'émission de monnaie électronique, procédé d'émission de monnaie électronique et support de stockage Download PDF

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Publication number
WO2020039573A1
WO2020039573A1 PCT/JP2018/031320 JP2018031320W WO2020039573A1 WO 2020039573 A1 WO2020039573 A1 WO 2020039573A1 JP 2018031320 W JP2018031320 W JP 2018031320W WO 2020039573 A1 WO2020039573 A1 WO 2020039573A1
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Prior art keywords
electronic currency
currency
investment
terminal
processing unit
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PCT/JP2018/031320
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English (en)
Japanese (ja)
Inventor
寿一郎 野田
Original Assignee
ロッホ エナジー リミテッド
寿一郎 野田
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Application filed by ロッホ エナジー リミテッド, 寿一郎 野田 filed Critical ロッホ エナジー リミテッド
Priority to PCT/JP2018/031320 priority Critical patent/WO2020039573A1/fr
Priority to PCT/JP2018/041650 priority patent/WO2020039602A1/fr
Priority to PCT/JP2019/026914 priority patent/WO2020039771A1/fr
Publication of WO2020039573A1 publication Critical patent/WO2020039573A1/fr

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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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • 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
    • G06Q40/06—Asset management; Financial planning or analysis

Definitions

  • 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.
  • Non-Patent Document 1 a technology called a block chain for managing information such as electronic currency transactions.
  • 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.
  • 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.
  • P2P Peeer-to-Peer
  • 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.
  • 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.
  • 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.
  • P2P Peer-to-Peer
  • 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.
  • an electronic currency issuing system 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.
  • FIG. 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
  • 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).
  • 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.
  • the “currency” presented by Keynes and the current “currency” (Including the current "virtual currency) to clarify the problem engineeringly and solve it.
  • 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.
  • 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.
  • production and consumption are statically balanced, that is, all produced products are consumed.
  • 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.
  • the value of a currency is represented by an increase ( ⁇ Vm) over a certain period
  • the currency's own interest rate indicates its advantage over other goods, which allows it to be exchanged with any other good and guarantees its currency status.
  • 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).
  • 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).
  • 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.
  • 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). .
  • 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 amount of increase in the currency net is represented by l ⁇ T / ta ⁇ (1 ⁇ T / t) (third law of currency).
  • the M2 / GDP ratio has risen to 153%
  • 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.
  • 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.
  • ““ Currency ”in each embodiment is operated in accordance with the above three major rules of currency.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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 England at the time when merger 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 independence to the region in direct proportion to the size of currency transactions.
  • correct inefficiencies caused by centralized administration reduce costs, increase service convenience, or increase the service area. could contribute to expansion.
  • 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,
  • 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;
  • 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.
  • processing (c) to (f) is recorded and managed on the blockchain, and the contract is executed based on the smart contract.
  • 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.
  • 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.
  • 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.
  • 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.
  • both the fund consumer and the fund supplier are also referred to as a user
  • 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.
  • 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).
  • energy reduction merit is CO 2 reduction merit, procreation benefits on cash flow.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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
  • a customer database consumer DB
  • investor database investor database
  • transaction management DB transaction management database
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • processing system device for example, CPU
  • storage unit storage system device, for example, RAM
  • input unit input unit
  • output system device output system device
  • 44 a display unit (display system device) 45
  • a communication control unit communication control system device
  • 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.
  • investors can execute crowdfunding up to the target amount.
  • a menu corresponding to these transactions can be displayed on the terminal device 40.
  • 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.
  • 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.
  • the electronic currency issuing device 10 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.
  • the electronic currency issuing device 10 compares (contrasts) the identification information with the information of the useful money laundering and antisocial power DB.
  • the electronic currency issuing device 10 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 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.
  • the solicitation conditions include, for example, the loan amount, repayment period and repayment conditions, interest rates, and the presence or absence of preservation measures.
  • 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.
  • 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.
  • the electronic currency issuing device 10 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.
  • 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.
  • scoring information is, for example, scoring information and the above-mentioned recruitment conditions and investment conditions.
  • the assets to be invested and the investors be 1: 1.
  • a plurality of investors can invest in an asset to be invested.
  • one or more asset owners purchase baskets of a plurality of assets.
  • basket conversion may be realized by grouping assets into investment targets for each of the same score divisions (ranks).
  • 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).
  • the electronic currency issuing device 10 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.
  • the electronic currency issuing device 10 presents interest rates, repayment conditions, and the like as individual information.
  • the electronic currency issuing device 10 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 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.
  • the electronic currency issuing device 10 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.
  • the electronic currency issuing device 10 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).
  • 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,
  • the electronic currency issuing device 10 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.
  • the electronic currency issuing device 10 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.
  • step S107 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.
  • the electronic currency issuing device 10 the processing unit 11
  • 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.
  • the electronic currency issuing device 10 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.
  • the electronic currency issuing device 10 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. .
  • the electronic currency issuing device 10 issues the electronic currency A to the investor terminal 40 (S109).
  • 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.
  • the rate at the time of purchase can be used.
  • the electronic currency issuing device 10 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.
  • the electronic currency issuing device 10 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).
  • 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.
  • 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.
  • 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.
  • each carrier for example, each of electricity, steam, and primary energy
  • the electronic currency issuing device 10 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.
  • 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.
  • 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.
  • 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.
  • the electronic currency issuing device 10 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.
  • the electronic currency issuing device 10 calculates a payout and gives it to the investor terminal 40 (S119).
  • the electronic currency issuing device 10 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.
  • the electronic currency issuing device 10 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.
  • the electronic currency B exchanged from the electronic currency A may be distributed as an electronic currency compatible with the local legal currency.
  • 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.
  • 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.
  • the processing unit 11 may store the acquired reward in the storage unit 12 or an appropriate storage device.
  • 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.
  • 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
  • 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.
  • 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)
  • 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.
  • 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.
  • 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.
  • 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.
  • the electronic currency B may be finally exchanged with the local currency at a fixed exchange rate.
  • the usage of the electronic currency may be limited to a specific usage.
  • 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.
  • the exchange rate with the local currency is set to 1: 1 to distribute as an alternative legal electronic currency.
  • 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.
  • P2P Peer-to-Peer
  • 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 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.
  • 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.
  • 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.
  • the processing unit includes: 2.
  • 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 processing unit includes: For the generated reward, calculate the gap between the predetermined target value and the actual value, 8.
  • 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 processing unit includes: 2.
  • 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.
  • MPB Market Place on Blockchain
  • 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.
  • 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 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.
  • P2P Peer-to-Peer
  • 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.
  • P2P Peer-to-Peer
  • 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.
  • P2P Peer-to-Peer
  • 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.
  • P2P Peeer-to-Peer
  • 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.
  • 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.
  • 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.
  • a non-transitory recording medium Non-transitory computer readable medium
  • 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.

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Abstract

Dans la présente invention, un système d'émission de monnaie électronique émet une monnaie électronique gérée par chaîne de blocs, et est pourvu d'une unité de traitement, d'une unité de stockage, et d'une unité de commande de communication qui communique par l'intermédiaire d'un réseau avec un terminal de consommateur de fonds et un terminal d'investisseur. L'unité de traitement présente, sur une plateforme d'homologue à homologue (P2P), une condition de sollicitation comprenant une somme de sollicitation de fonds reçue en provenance du terminal de consommateur de fonds et/ou une condition d'investissement comprenant une somme d'investissement reçue en provenance du terminal d'investisseur. De plus, si un investissement pour la condition de sollicitation ou une demande de fonds pour la condition d'investissement est détecté, l'unité de traitement émet une première monnaie électronique correspondant à la somme de sollicitation de fonds ou à la somme d'investissement. Le taux de change de la première monnaie électronique fluctue par rapport à une monnaie légale ou à une autre monnaie électronique. Si la condition de sollicitation provenant du terminal consommateur de fonds et la condition d'investissement provenant du terminal d'investisseur concordent, l'unité de traitement émet la première monnaie électronique, convertit la première monnaie électronique en une seconde monnaie électronique à un taux de change prédéfini, et stocke la seconde monnaie électronique en association avec le terminal de consommateur.
PCT/JP2018/031320 2018-08-24 2018-08-24 Système d'émission de monnaie électronique, procédé d'émission de monnaie électronique et support de stockage WO2020039573A1 (fr)

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PCT/JP2018/031320 WO2020039573A1 (fr) 2018-08-24 2018-08-24 Système d'émission de monnaie électronique, procédé d'émission de monnaie électronique et support de stockage
PCT/JP2018/041650 WO2020039602A1 (fr) 2018-08-24 2018-11-09 Système d'émission de monnaie électronique, procédé d'émission de monnaie électronique et support de stockage
PCT/JP2019/026914 WO2020039771A1 (fr) 2018-08-24 2019-07-05 Système et procédé se rapportant à une nouvelle monnaie électronique (monnaie de partage) et à une banque centrale de type distribué, et support de stockage

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PCT/JP2018/041650 WO2020039602A1 (fr) 2018-08-24 2018-11-09 Système d'émission de monnaie électronique, procédé d'émission de monnaie électronique et support de stockage

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JP7277677B1 (ja) * 2023-01-24 2023-05-19 直樹 神田 為替マッチング処理プログラム、為替マッチング処理方法、及び、為替マッチング処理システム

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JP6876357B1 (ja) * 2020-05-29 2021-05-26 株式会社ディーカレット 情報処理装置、情報処理方法、およびプログラム
TWI806156B (zh) * 2021-09-11 2023-06-21 姚立和 基於綠色能源之數位資產轉換發行系統及其方法

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JP2001325477A (ja) * 2000-05-15 2001-11-22 Akazawa Sogo Kenkyusho:Kk 起業家支援設備
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JP2022042378A (ja) * 2020-09-02 2022-03-14 株式会社ジェーシービー 電子的価値管理装置、プログラム、電子的価値管理方法
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JP7277677B1 (ja) * 2023-01-24 2023-05-19 直樹 神田 為替マッチング処理プログラム、為替マッチング処理方法、及び、為替マッチング処理システム

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