WO2020039602A1

WO2020039602A1 - Electronic currency issuing system, electronic currency issuing method, and storage medium

Info

Publication number: WO2020039602A1
Application number: PCT/JP2018/041650
Authority: WO
Inventors: 寿一郎野田
Original assignee: ロッホエナジーリミテッド; 寿一郎野田
Priority date: 2018-08-24
Filing date: 2018-11-09
Publication date: 2020-02-27
Also published as: WO2020039573A1

Abstract

This 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, electronic currencies have been used in addition to traditional currencies. Also, a technology called a block chain for managing information such as electronic currency transactions is known (Non-Patent Document 1). In this specification, “electronic currency” broadly includes electronically issued currency as indicated by the title of the invention. Electronic means independent of other physical media such as paper, metal, and plastic cards. In addition, the electronic currency does not refer to electronic money that is conventionally used (corresponding to a prepaid voucher specified by the Funds Settlement Act).

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. A system that is fully compatible with current fiat currencies and monetary systems (or credit systems) that allows the use of currencies at the rates and (3) has a monitoring system to prevent the depreciation of currency values is disclosed. Not. A system that satisfies at least one of the above (1) to (3) is desired.

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). FIG. 3 shows another logical block diagram of the processing unit 11 of the electronic currency issuing device 10.

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 The embodiments of the present invention relate to a system including a new currency and a device, a network, and a program for issuing the currency, and have problems with the current “currency” (including the current “virtual currency”). Engineering solution. Prior to this, it is first necessary to identify what distinguishes currency from other goods and define a "currency".

Keynes shows a macroscopic money flow in "General Theory of Employment, Interest and Money" (1936). This is illustrated as a simplified financial statement model as shown in FIG. 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."

Say, Mill et al. Comment that "value is a tool that statically balances supply and demand and is automatically determined at the intersection, and currency is simply a tool that displays the value determined there." In fact, the idea has been followed in modern times. At first glance, this is a similar form of the idea that "when humans speak in words, they express a priori ideas in their heads in the form of words." However, for example, as Saussure has stated, there are only "ideological" things, such as ideas that do not depend on the form of words. Similarly, value is economically formed with currency, which is a form of discriminative, relative, and contradictory description of the utility that goods bring, and only when supply and demand are systematically specified, The exchange of goods is realized. By the way, currency is a reciprocal, externally dependent system like words. However, currency divides values more immediately, competitively, and equivalently than words; in Saussure terms, it differentiates. It's like a chess piece, it only makes sense if you have an opponent and a specific point on the board. On the other hand, we still read anabasis and history because the value described in words is not immediate, and the impression after reading is left to the reader freely (non-competitive), and the writer gives the impression to the reader. Cannot be enforced (non-equivalent). The origins of competitiveness all go back to the asymmetry and uneven distribution of information that each has, but currencies resolve them in a certain time frame and make them equivalent. This is the working principle of value (price) determination by currency.

The error of the opinion of Sesay and others was manifested as a phenomenon in Keynes' era, and it was brought about by class differentiation. 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 had become the main goal of economic desire. Holding value is a major function of the currency, and since Abraham received 1000 shekels of silver from Keral king Ahimerek, the immutability and currency has never been a mere valuation tool. Because money was initially bartered for other goods as goods, its value was substantive. (Commodity @ money) Currency value was strictly classical physics determined by the Bank of England according to gold content since 1694. To that end, it is essential to define thermodynamic physical quantities as economic balances, and that was the responsibility of the then Newton Mint. (However, since the collapse of the gold standard since August 1971, it is a "naked king" that is not backed by physical assets.) However, Saussure makes a more interesting and essential point about currency. According to Saussure, "All contractual values are not confused with the physical and material elements that support that value (eg, silver)." What is " We are here again guided by Keynes 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 interpreting how much demand for specific goods (including currencies) has increased during a certain period, and it is read that dVm-dVg-1 corresponds to the interest rate. Can be replaced. (First law of currency). The three major functions of currencies that are commonly called, specifically, the mediation of value (Medium of exchange), holding (Store), and display (Unit of account) are of course not mistaken, It is their proliferation that has distinguished currencies from other goods.

Keynes objected to the return to the gold standard, but not necessarily because he hated America's political advantage, which overwhelmed others with gold at the time. For Keynes, the source of the value of money was not already derived from the scarcity of the precious metals contained, or from the total cost of mining and manufacturing, such as metal refining technology and the price of mercury. There is no known evidence of research.) It is not the utility or dividend (yield or output = q) provided by other goods (wheat, copper), but is shifting due to the liquidity itself realized by the currency (liquidity premium / liquidity premium = 1) showed that. However, we share our position here with Keynes and define the liquidity premium as not just a disposable gain on a good as an asset, but as an economic reward from currency exchange for another good. People do not pay tribute to the ragged bills of the RMB and its cost of production, which is indistinguishable from counterfeit bills. Just like an infinitely segmented language, discriminatory classification, relative, confrontation, that is, digitally displaying value freely, and recognizing the value of the utility of a currency that makes it possible to exchange goods. The value of the currency and other goods obtained by deducting the respective maintenance costs (carrying cost = c) from the sum of the utility and dividend (q) and the liquidity premium (I) provided by the goods is 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, the last government of Samurai in Japan (Tokugawa Shogunate) collapsed because rice, which was provided in kind as a salary to Samurai, increased in value and liquidity premium more than currency circulated among merchants. This is because l (rice) · T / t <l (money) · T / t occurred.

Saussure's "value under contract" in currency is credit. [0019] As mentioned earlier in the paragraph, currency credits have been transferred from physical assets such as precious metals. The monetary system, like Langue (language) presented by Saussure, is a system that repeats the transfer of value from the outside and is organized like a tapestry, and people ultimately maintain it by trust. That is, the basis of liquidity is credit, and the ratio of future liquidity to the current liquidity of a currency determines the credit quantitatively. On the other hand, as long as the currency holder does not exercise credit and exchange it for other goods, that is, if it does not liquidate, whether it secures its own control or delegates it to another (eg a bank) And its value is damaged and obsolete as a function of time (at). Damage is due both to defaults on loans as well as to lost opportunities (waivers or suspensions). Abandoning (or holding) a loan can easily happen if your wallet is packed with $ 10 billion and there are only two bucks available in the world, but central banks in all countries are now aiming for There is no other currency area. The increase balance calculated by the increase rate ΔE / ΔM of the increase rate (ΔM) of the total currency issue amount to the increase rate (ΔE) of the effective demand, which is the production of real goods and services, is an effective indicator of obsolescence. Intentional reserves of liquidity, such as interest rates and discount rates on bank deposits, are claims for psychological compensation for the future destruction of currency. The origin of the interest rate was a measure to avoid the obsolescence of a debt note, which is a currency (Bank note), which flattens the risk that a bank note will not be able to be exchanged for real assets (gold) in the future. 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 is the same as the maintenance cost, the currency also has a liquidation cost a (the liquidation cost per hour att), but the increase in the currency net is lT / ta It is represented by (1-T / t) (third law of currency). For example, in Japan, the M2 / GDP ratio has risen to 153%, and the bank-deposit ratio 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 rest is investing in receivables, mainly government bonds), but this is nothing more than an indication of the rising liquidity costs of the country's currency and the potential risk of a decline in currency value. Here is the fundamental contradiction of what we currently have in fiat currency. That is, since currency is credit, its value changes as a function of time. However, the face value of the currency is fixed, the interest rate is zero, and does not reflect the change in value over time. However, for money under the gold standard (Newton currency?), These are not contradictions. For Newton, mass was conservative and immutable, and conversely, it was obvious that monetary value fluctuated reversibly following the market value of gold equivalent to its weight. In other words, there was no need to deliberately display changes in the value of money.

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 has already emerged as another money flow alongside investment-production-employment-consumption, but this is only a temporary detour loop regardless of domestic or overseas colonial investment, In general, he described the main flow starting with investment and ending with the consumption of real goods and services. Today, however, we know of a kind of tautological currency-to-currency investment, which seeks to create value from an increase in the value of a currency, i.e. a financial asset investment that does not exit through the consumption of real goods, This is an inevitable consequence of modern currency issuance mechanisms. (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 currencies with effective demand has become a daunting task, and the liquidity costs of currencies are increasing irreversibly. 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. Increasing the money flow causes the economy to overheat because, according to the laws of thermodynamics, when pressure is applied to a closed system of a certain currency area (ΔM + M / E), the frequency of contact between currency and effective demand increases. The reason is that the temperature rises. However, in the end, the energy of the input increases entropy, and the lower the liquidity L corresponding to the initial absolute temperature (the more deflationary), the higher the entropy, and the currency is reversible with the exit of real goods. Deviates from the general flow, randomizes, and irreversibly contributes to the increase in uncertainty. Unlike the “Newton currency” and its monetary assets, whose value only rises and falls reversibly, the value declines irreversibly. It is known that Newton also experienced this in the collapse of the South Sea Bubble (sipping 20,000 pounds), but did not realize that it stemmed from a difference in physical paradigm and called it "human folly" I have.

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 is observed in Japan's different dimension monetary policy (since 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 was done in the country was to frame and fix the money flow over the long term through monetization, and also to eliminate the opportunity for liquidation of currencies in the market. As a result, it is a kind of paradox. The expansion of the balance sheet and the creation of excess liquidity do not go to the original liquidity of the currency (exchange with real goods), the currency circulates in a self-circulating manner, and the liquidation cost becomes macro Be buried. Keynes's biggest mistake is in thinking that the currency unconditionally increases solely by its liquidity premium and overlooks (possibly intentionally) the risk of deterioration. This is also due to overconfidence in the issuance of the legal fiat currency (Legal tender) and, as mentioned earlier, the fixed currency value and the permanent value according to the law of inertia (which is absolutely contradictory as long as it is a credit). The illusion as if it were-is backed by a little trick. However, in reality, there have been many examples of fiat currencies that failed due to Over printing, such as the fact that fiat banknotes issued by the Nanjing Nationalist Party government were forced to recover immediately during World War II, and Zimbabwe's superinflation. Absent. Currency is an autonomous and open system co-occurring with the market, which is pegged to effective demand and, again, increased only by the exchange of real goods and services or their future supply. The state arbitrarily prints banknotes or limits its liquidity for the purpose of managing its own debt, such as the management of government bonds, and it originally belongs to the category of unintended use of currency, because of its “supply-demand adjustment effect”. Does not determine the value of the currency. On the other hand, the first song in the world (Paper money), Northern Song Song, was voluntarily issued by a coalition of merchants centered on Chengdu, but without government-central bank intervention. Despite this, the company gained market confidence through thorough quality control. (Later, the government will shift to the PFI system based on the government's concession.) It is worth noting that this is a historical fact that shows the mechanism of generation of credit currency (credit).

In Japan, one-year government bond yields fell by -0.132%, while forty-year government bonds fell to 0.834% (July 4, 2018). Banknotes (Fiat Bank Note) 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 (perhaps a permanent "temporary storage site" in accordance with 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. In addition, interest rates that should be determined in response to changes in marginal efficiency of capital are drawn to the interest rate complex for each term of huge public debt that has become a black hole, and are determined in a lawful manner. Because the fundamentals of government bonds should change with ΔT (tax revenue) / ΔN (issued amount of new government bonds), the currency value must be reduced gradually, or the risk of permanent decline due to deviation from fundamentals can be easily reduced. It is natural and healthy to predict.

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. Despite the abundance of poverty, it is also a suitable model for the elderly who have been forced to unemployed in retirement.

New to memory is the Lehman shock in September 2008. The Lehman shock is quite different from the 1929 depression. It is a systematic collapse of a complex and highly self-circulating money flow. Given that the depression was due to a shortage of Keynesian effective demand, the Lehman Shock was a risk that the currencies could not reach the effective demand that was too low relative to the excess currencies, and that the risk of being sold to financial institutions was It is a tragedy (comedy?) That collapsed in a chain reaction, and this composition is more sophisticated, complicated and institutionalized, and fixed-value banknotes backed by sophisticated printing technology (10,000 in Japan, which is said to have the highest manufacturing cost) Even Bank @ note costs 15 to 20 yen.), And it is structurally inherited by government bonds in each country in a form that is linked to amnesia due to the excessive risk of the "naked king" being too long.

仮想 Today, virtual currencies below bitcoin also match goods and funds, and the feeling of forgetting the real thing of the currency to display or settle its value cannot be wiped out. The value of cryptocurrencies is left to trading on consensus, and their value is speculatively increasing as the total amount of issuance is fixed or restricted by the protocol. The role played by the current cryptocurrency is that Keynes presented an antithesis to "alternative elasticity", which underpins the currency's superior interest rate. It is worth noting that the gold standard established by synchronizing with classical physics broke down, and the 50th anniversary of NoteNon Redeemable in gold's monetary system has been disrupted.

There are the following three factors for the alienation and alienation of the current cryptocurrency. As long as the currency system is a part of the credit system, obtaining compatibility with the existing currency system is rather a supreme order, and on that basis autonomous , An open system must be built.
(1) The supply of virtual currency is unilaterally determined by the issuer (supply) side based on the protocol, and is not even supported by formal supply and demand theory.
(2) It is not practical in exchange for real goods with large price fluctuations.
(3) It does not harmonize with the existing financial order and credit order because it leaves anonymity.
There is also a limit to the lesser method, and miners can form an oligopolistic pool to cut through the POW and deliberately damage the currency. To add one more thing, it lacks blockchain hedging risk, incorporates applications that make use of permanent recording functions, etc., that is, lacks attractive user incentives. However, the reason is that existing virtual currencies are not defined as credits like legal currencies. The main point of the present invention lies in the scheme in which "virtually" funders issue currencies, in which case the currencies they issue have to be credit-based and who (or who) You need to specify what you trust. In other words, by actively presenting the amount of change in credit, it is possible to mount not only settlement but also a complex function such as loan or third-party credit (investment management) on the currency. If the currency held is credit, it is operated when not in use and settled. You may. (Cooperation with off-chain) It is also possible to avoid fundamental inconsistency such as lending or settling a loan using the negotiable certificate of the current bank deposit system.

“The“ currency ”in each embodiment is operated autonomously in accordance with the three major laws of currency described above. 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. There, the generation of currency, the determination of a transaction, and the information processing thereof proceed at the same time. The loss of value due to unrelenting 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. Taking the words again as an example, currency 2 is a language that also individually supports Gaelic and Swahili, and currency 1 bridges the individual languages. Bitcoin, on the other hand, is equivalent to trying to unify everything in Esperanto immediately. Saussure saw the word in two aspects: a more external, normative form (Lang) and a semantic meaning (Parole). Assuming that the electronic currency 1 is a cross-border type intercurrency, the electronic currency 2 is positioned as a local currency compatible with the local currency. The former corresponds to the rung, and the latter corresponds to the parole. In currencies, interrelationships are represented by more continuous exchange rates. Ressefer is only a myth of the past for engineering reasons: the point of intersection between the currency market and the market for goods is not automatically extracted, because both are circular functions, and at the same time social reasons. That is, it is difficult to form a fair ground contact point due to the uneven distribution of goods and information. (In terms of information, the fragmentation, asymmetry, and uneven distribution of information proceed irreversibly in inverse proportion to the increase in electronic accessibility, and we are in the middle of the collapse of the Tower of Babel. ). Currency determines value (price) immediately as described in paragraph [0018], but at the same time enforces Lang and Parole as it is impossible to limit the chronological (chronological) exchange value There is a need for a means to separate and ensure elasticity between them. For investors, this currency provides two investment opportunities through the management of currencies A and B, the operation by exchanging with legal and electronic currencies via electronic currency 1, and the fundamentals obtained from the real economy. Two positionings of the share are possible.

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. However, distributed management on the blockchain has a problem of scalability, so the appropriate segregation and cooperation with the central management system will be examined for each case in consideration of the availability of the existing system. Start-up fundraising support, which replaces traditional IPOs, is also an attractive menu. It is also possible to provide a P2P type marketplace that determines the value of the business and applies crowdfunding at each stage before the business is funded, such as applying for a patent, creating a prototype, contracting a key customer, etc. become.

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, It could replace money transfer and contribute to expanding its service area. 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. Outline of Electronic Currency Issuing System Hereinafter, an electronic currency issuing system (also referred to as an electronic currency issuing system in this specification) according to the present embodiment will be described. Currency that is issued electronically (also referred to herein as electronic currency (Crypto currency)) may be referred to as digital currency, cryptocurrency, or virtual currency. Note that the electronic currency in the present embodiment is essentially different from electronic money such as an IC card for, for example, charging a predetermined amount in advance (or afterward) to pay and settle.

The electronic currency issuing system according to 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.

In the e-currency issuing system, financial institutions such as banks or other financial institutions that provide funds to the end users, instead of companies and individuals, whose end users are individual end users, or financial services for end users instead And may have bulk funding needs.

In the electronic currency issuing system, at various stages of issuance, distribution, operation, etc. of all electronic currency A and electronic currency B, it has a certain authentication means for information on its origin and owner, and individual companies, individuals, etc. May be matched with a database that can be specified, and the electronic currency flow may be traced on the blockchain.

In the electronic currency issuing system, the exchange ratio of electronic currency A and electronic currency B is set so that (1) electronic currency B is pegged with local legal currency and the exchange value between electronic currency B and local legal currency is 1: 1. (2) set to be the reciprocal of the fluctuation ratio of the electronic currency A (that is, if the electronic currency A rises by 20% from the reference date, the electronic currency B depreciates by 20%); (3) ) Based on the exchange ratio (E) in (2) above, the exchange ratio (Ea) adjusted by adding the CPI (C) and the local short-term interest rate (I) is Ea> E (1 + C) or Ea> E ( 1 + CI).

When the end user uses e-currency B, the e-currency issuing system calculates the usage fee according to the amount of use, frequency of use, period of use, or the profit obtained from investment using e-currency B. A computer that charges and charges the user may be connected.

The e-currency issuance system requires that e-currency be able to receive future profits from identifiable third parties in cases other than mere anonymous settlement purposes, that is, when e-currency holders hold e-currency. Assuming that the currency has the functions of credit, escrow, loan, investment management other than settlement, that is, calculate the credit from the third party or the credit given to the third party, and manage or execute the execution state A supporting computer may also be connected.

If the above-mentioned equation dVm-dVg = 1.l / T / -a (1-T / t) deviates from a predetermined reference value determined for each area where the electronic currency is operated, the electronic currency issuing system provides the currency. May be connected to the computer that issues an alarm notifying the holder of the alarm.

The electronic currency issuing system may exchange the currency A and the currency B with a cross-border. That is, exchanges with currency B, which is compatible with local currencies of different nationalities, may be directly exchanged at the exchange that trades currency A.

The e-currency issuance system pools a part of the charge for the amount, frequency, duration of use of e-currency B, or the profits from the investment using e-currency B, according to the holding ratio of e-currency. In addition, a computer that redistributes as a reward to the holder may be connected.

(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) Since the cost of CO ₂ emission is the target of the transaction, the increase in cost causes a financial burden. Therefore, environmental value and economic value are presented as a dual conflict scheme, and as a result, it is liable to become a political problem. .
(B) It is often a bilateral transaction and does not attract small investors, including the general public.
(C) 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.
(D) Because prior application and approval are required, the technology is biased toward safe technology with abundant track records, making it difficult to incorporate innovative technology.
(E) 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. 14 shows another logical block diagram of the processing unit 11 of the electronic currency issuing device 10. The processing unit 11 may further include a charging control unit 121, a non-anonymity information processing unit 122, an exchange ratio setting unit 123, and a notification unit 124.

The charging control unit 121 executes a process of charging a fee for using the electronic currency issuing system to an investor or a fund consumer according to the usage amount of the electronic currency or the like. The non-anonymity information processing unit 122 stores information such as owners of the electronic currency A and the electronic currency B. The exchange ratio setting unit 123 sets an exchange ratio between currencies such as electronic currency A and electronic currency B, for example. The notification unit 124 notifies the investor terminal or the fund consumer terminal when a predetermined condition is satisfied. Note that these processes will be described later in detail. The processing unit 11 may include an appropriate processing block that executes the processing according to the present embodiment, in addition to the above-described units.

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 is shared by all (or some) nodes (devices) 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 the blockchain (MPB = Market @ Place @ on @ Blockchain) using the electronic currency B include digitalization, buying and selling of encrypted rights, and By satisfying predetermined contract conditions, crowdfunding from investors is executed with the target amount being the upper limit. 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 fund consumers and investors. Anonymous transactions are difficult to maintain consistency with the existing international financial order and cannot be used for purposes other than settlement of credits, loans, etc. In this embodiment, anonymous transactions are not performed . Note that the specific means can adopt various modes depending on each country, each region, or the business scheme to be adopted (for example, when a financial institution is a service target). For example, a personal authentication number, a social security number, Which one of the identification information such as a number is to be obtained is determined in advance in consideration of any one or a plurality of viewpoints such as reliability of the identification information, work efficiency of the acquisition procedure, and an 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. In addition, the electronic currency issuing device 10 (processing unit 11) has an authentication unit that can identify the owner and the origin of the fund at each stage of issuing, distributing, and operating the electronic currency.

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 to include information that can legally prove the existence of the individual user can be determined in advance according to, for example, regulations on personal information in the place. 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.

If the Target is not an individual company or individual, but a bank, investment bank, central bank, and credit or other settlement agency that provides financial services within a given country or region, the offer conditions and The investment conditions may include the type of end user (final consumer), total asset demand, transaction volume, expected yield per period, and the presence or absence of preservation measures.

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.

If the target of the score is a known financial institution (including a central bank), the electronic currency issuing device 10 (processing unit 11) issues an inquiry about the rating of an existing credit evaluation institution (such as S & P). Instead of scoring, submit information to a P2P platform in the form of a credit rating agency (AA, etc.).

(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 exchange ratio here can be represented by a format such as 1: 1. However, when represented by a value, it is represented by a value such that electronic currency A × exchange ratio = electronic currency 2. 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 a method of making the ratio of the local legal currency 1: 1 for convenience, or the fluctuation of the electronic currency A from a predetermined reference time such as a certain reference date. A method of fixing the price of the electronic currency B using the reciprocal of the ratio as an exchange ratio (E), and a method of adjusting the exchange ratio (E) with the local consumer price (CPI-C) and the short-term interest rate (I) For example, in the case of energy, for example, in the case of energy, a method of determining based on a unit price per unit calorific value (Joule) is used. In a case where the electronic currency B is exchanged for the electronic currency B at the issue point of the electronic currency A, the country where the electronic currency B circulates may be different from the country to which the issue point belongs.

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. Rewards are derived, for example, from economical usage over time obtained from assets purchased by asset consumers, and include economic usages obtained through energy saving effects. 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. In addition, the electronic currency issuing device 10 (processing unit 11) calculates a usage fee in accordance with one or more of the usage amount, usage frequency, and trial period (fixed amount) of the electronic currency B, and bills the user, The usage fee and the payout may be offset to pay a payout.

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. In addition, due to the non-anonymity imparted as described above, the present electronic currency can be used for purposes other than anonymous settlement. Therefore, in addition to the settlement, the electronic currency B may be provided with a combined escrow, loan, and fund management (third party credit) functions. Since the electronic currency B is defined as a credit instead of a negotiable deposit, it may be operated and settled when the electronic currency B is not used. On the other hand, if funds are insufficient, borrowing may be performed. After these are processed off-chain, only the difference which is the difference may be processed on the blockchain at regular intervals, and stored in the distributed ledger.

At the time of non-settlement of e-currency B, invest in receivables in the blockchain market (MPM = Market-Place-Blockchain) for digital and encrypted assets escrowed to real assets using e-currency B and reward 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.

As described above, the fund consumer may be, for example, a financial institution that provides funds to end users, including companies or individuals, a foreign exchange agency that mediates remittances, or financial services for end users on behalf of financial institutions. May be those who provide bulk funding needs. In this case, the fund consumer terminal is the terminal device 40 associated with the fund consumer.

The processing unit 11 (for example, the non-anonymity information processing unit 122) outputs the non-anonymity information related to the owner or the source of the fund at each stage of issuing, distributing, and operating the electronic currency A and / or the electronic currency B. , The electronic currency A and / or the electronic currency B may be stored. More specifically, the processing unit 11 may check the non-anonymity information with a database having an authentication unit for authenticating a company and an individual, and store the non-anonymity information on a blockchain. . As a result, the flows of the electronic currencies A and B can be traced on the blockchain. In addition, when processing a function other than settlement including credit, escrow, loan, or investment management provided to the electronic currency, the processing unit 11 stores the owner stored in association with the electronic currency A and / or B. May be referred to. As described above, functions other than settlement, including credit, escrow, loan, and investment management, can be provided to the electronic currency using the anonymity of the currency.

The processing unit 11 calculates credit information given by a third party or credit information given to a third party, manages the execution state of functions other than settlement including credit, escrow, loan, or investment management, or setstle The execution of the function other than the above may be supported. Here, an existing calculation method can be used for calculating the credit information. As an example, the processing unit 11 may calculate (credit amount−repayment amount) × interest rate × credit period to obtain credit information. Each piece of information used for the calculation may be stored in the storage unit 12 in advance, or may be obtained from another appropriate device. Managing the execution state may include, for example, recording of history information. Supporting execution may include, for example, remittance of an electronic currency, or collation of a digital asset moved by an electronic signature with a real asset such as cash as needed.

The processing unit 11 (for example, the exchange ratio setting unit 123) calculates the exchange ratio from the electronic currency A to the electronic currency B,
(1) Peg the electronic currency B with a predetermined local legal currency, and set the exchange value between the electronic currency B and the local legal currency to 1: 1.
(2) setting the reciprocal of the change ratio of the electronic currency A from a predetermined reference time, and (3) setting the change ratio of the electronic currency A from the predetermined reference time. The reciprocal may be set by setting E> E (1 + C) or E> E (1 + CI), where E is the consumer price, CPI is the consumer price CPI, and I is the local short-term interest rate.

The processing unit 11 (for example, the charging control unit 121) sets the usage fee according to any one or more of the usage amount, the usage frequency, and the usage period in which the fund consumer and the investor use the electronic currency B through the terminal device 40. The calculated usage fee may be stored in association with the identification information of the fund consumer and the investor. Here, examples of the usage amount include, for example, the number of transactions, the amount of issued or held currency, or the profit obtained from investment using electronic currency. Usage fees are charged to fund consumers and investors. Note that the electronic currency issuing system may include a charging server that executes such calculation of usage fee, charging, and billing. In this case, at least a part of the processing of the processing unit 11 is executed by the processing unit of the billing server.

The processing unit 11 (for example, the charging control unit 121) sets the usage fee according to any one or more of the usage amount, the usage frequency, and the usage period in which the fund consumer and the investor use the electronic currency B through the terminal device 40. The calculated usage fee may be stored in association with the identification information of the fund consumer and the investor. The usage fee is charged to the fund consumer and the investor once, and then may be pooled and a part thereof may be redistributed as a reward to the holder according to the holding ratio of the electronic currency. More specifically, the processing unit 11 calculates the amount obtained by multiplying the usage fee using the electronic currency B by the customer terminal and the investor terminal by a predetermined ratio, and determines the calculated amount as the holder of the electronic currency B A remittance process to distribute to the holder according to the holding ratio of the holder. Here, the predetermined ratio can be determined in advance. Distributing to the holder of the electronic currency B includes storing the remittance amount in association with the identification information of the holder of the electronic currency B. A billing server that performs calculation, billing, and billing processing may be provided. In this case, at least a part of the processing of the processing unit 11 is executed by the processing unit of the billing server.

When the value of dVm-dVg deviates from the reference value determined in advance for each area where the electronic currency is operated, the processing unit 11 (for example, the notifying unit 124) A notification or alarm may be issued to the holder. The case where the value deviates from the reference value is, for example, a case where the range of the reference value is predetermined and the value of dVm−dVg is out of the range of the reference value, or the value of dVm−dVg and the reference value Is greater than a predetermined value.

The processing unit 11 determines whether one of the electronic currencies A and B is compatible with a local currency of a second country different from the first country at an exchange in the first country that trades at least one of the electronic currencies A and B. It may be directly exchanged for the other of the electronic currencies A and B having.

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)
3. The electronic currency issuing system according to claim 2, wherein the second electronic currency exchanged is issued as an electronic currency compatible with the 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 goods, the receivable is sold to obtain an electronic currency which 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 Appendix 2, which stores, displays or transmits a value given by the amount of currency value loss during a predetermined period.

(Appendix 16)
The fund consumer is a financial institution that supplies funds to end users including companies or individuals, a money exchange company that mediates remittances, or a person who provides financial services for the end users on behalf of financial institutions Are those who have bulked capital needs in
2. The electronic currency issuing system according to claim 1, wherein the fund consumer terminal is a terminal associated with the fund consumer.

(Appendix 17)
The processing unit includes:
At each stage of issuing, distributing and operating the first electronic currency and / or the second electronic currency, the non-anonymous information relating to the owner or the source of the fund is transferred to the first electronic currency and / or the second electronic currency. The electronic currency issuing system according to Supplementary Note 2, which stores the electronic currency in association with the electronic currency.

(Appendix 18)
The processing unit includes:
The non-anonymity information is checked against a database having an authentication means for authenticating a company and an individual, and the non-anonymity information is stored on a blockchain so that the flow of electronic currency can be traced on the blockchain. 18. The electronic currency issuing system according to attachment 17.

(Appendix 19)
The processing unit includes:
The electronic device according to Supplementary Note 18, which refers to the owner information stored in association with the electronic currency when processing a function other than settlement including credit, escrow, loan, or investment management, which is provided to the electronic currency. Currency issuing system.

(Appendix 20)
The processing unit includes:
Calculates credit information given by a third party or credit information given to a third party, manages the execution status of functions other than settlement, including credit, escrow, loan, or investment management, or manages the functions other than settlement The electronic currency issuance system according to Appendix 19, which supports execution.
(Appendix 21)
The processing unit includes:
The exchange ratio from the first electronic currency to the second electronic currency,
(1) pegging the second electronic currency with a predetermined local legal currency, and setting the exchange value of the second electronic currency and the local legal currency to be 1: 1;
(2) setting the change ratio of the first electronic currency from a predetermined reference time to the reciprocal of the change ratio; and (3) starting from the predetermined reference time of the first electronic currency. E is the reciprocal of the fluctuation ratio of E, the adjusted fluctuation ratio is Ea, the consumer price CPI is C, and the local short-term interest rate is I, Ea> E (1 + C) or Ea> E (1 + CI). 2. The electronic currency issuing system according to claim 2, wherein the electronic currency issuing system is set to any of the following.

(Appendix 22)
The processing unit includes:
The usage fee is calculated and used according to one or more of the usage amount, usage frequency, usage period, and profit obtained from the investment using the electronic currency when the consumer terminal and the investor terminal use the second electronic currency. The electronic currency issuing system according to claim 2, wherein the fee is stored in association with identification information of the customer and the investor.

(Appendix 23)
The processing unit includes:
The processing unit notifies the holder of the electronic currency when the value of dVm-dVg for the first or second electronic currency deviates from a predetermined reference value for each area where the electronic currency is operated. Alternatively, the electronic currency issuing system according to supplementary note 15 that issues an alarm.

(Appendix 24)
The processing unit includes:
In a first national exchange that trades at least one of the first and second electronic currencies, one of the first and second electronic currencies is compatible with a local currency of a second nationality different from the first nationality. 3. The electronic currency issuing system according to claim 2, wherein the electronic currency is directly exchanged for the other one of the first and second electronic currencies having the property.

(Appendix 25)
The processing unit calculates an amount obtained by multiplying the usage fee using the second electronic currency by the customer terminal and the investor terminal by a predetermined ratio, and stores the calculated amount in the possession of the holder of the second electronic currency. 23. The electronic currency issuing system according to Supplementary Note 22, which executes a remittance process of distributing to the holder according to the ratio.

(Appendix 26)
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 27)
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 28)
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 29)
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 30)
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.

構成 The above-described configurations and processes may be appropriately combined. For example, the electronic currency issuing system described in Appendix 3 may be combined with the electronic currency issuing system described in Appendix 2. The same applies to the description of other supplementary notes. Further, the configurations or processes described in Supplementary Notes 2 to 24 may be combined with Supplementary Notes 25 to 29.

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

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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
The fund consumer is a financial institution that supplies funds to end users including companies or individuals, an exchange agency that mediates remittances, or a person that provides financial services for the end users on behalf of financial institutions. A person with bulk funding needs,
The electronic money issuing system according to claim 1, wherein the fund consumer terminal is a terminal associated with the fund consumer.
The processing unit includes:
At each stage of issuing, distributing and operating the first electronic currency and / or the second electronic currency, the non-anonymous information relating to the owner or the source of the fund is transferred to the first electronic currency and / or the second electronic currency. 3. The electronic currency issuing system according to claim 2, wherein the electronic currency issuance is stored in association with the electronic currency.
The processing unit includes:
The non-anonymity information is checked against a database having an authentication means for authenticating a company and an individual, and the non-anonymity information is stored on a blockchain so that the flow of electronic currency can be traced on the blockchain. The electronic currency issuing system according to claim 17, wherein:
The processing unit includes:
19. The electronic device according to claim 18, wherein when processing a function other than settlement including credit, escrow, loan, or investment management given to the electronic currency, the information of the owner stored in association with the electronic currency is referred to. Currency issuing system.
The processing unit includes:
Calculates credit information given by a third party or credit information given to a third party, manages the execution status of functions other than settlement, including credit, escrow, loan, or investment management, or manages the functions other than settlement The electronic currency issuing system according to claim 19, which supports execution.
The processing unit includes:
The exchange ratio from the first electronic currency to the second electronic currency,
(1) pegging the second electronic currency with a predetermined local legal currency, and setting the exchange value of the second electronic currency and the local legal currency to be 1: 1;
(2) setting the change ratio of the first electronic currency from a predetermined reference time to the reciprocal of the change ratio; and (3) starting from the predetermined reference time of the first electronic currency. E is the reciprocal of the fluctuation ratio of E, the adjusted fluctuation ratio is Ea, the consumer price CPI is C, and the local short-term interest rate is I, Ea> E (1 + C) or Ea> E (1 + CI). The electronic currency issuing system according to claim 2, wherein the electronic currency issuing system is set to one of the following.
The processing unit includes:
The usage fee, usage frequency, and usage period in which the consumer terminal and the investor terminal use the second electronic currency are calculated according to one or more of the usage periods, and the usage fee is identified by the identification information of the customer and the investor. 3. The electronic currency issuing system according to claim 2, wherein the electronic currency issuance system is stored in association with the electronic currency.
The processing unit includes:
The processing unit notifies the owner of the electronic currency when the value of dVm-dVg for the first or second electronic currency deviates from a predetermined reference value for each area where the electronic currency is operated. 16. The electronic currency issuing system according to claim 15, wherein the electronic currency issuing system issues an alarm.
The processing unit includes:
In a first national exchange that trades at least one of the first and second electronic currencies, one of the first and second electronic currencies is compatible with a local currency of a second nationality different from the first nationality. 3. The electronic currency issuing system according to claim 2, wherein the first currency and the second electronic currency having the property are exchanged directly.
The processing unit calculates an amount obtained by multiplying a usage fee using the second electronic currency by the customer terminal and the investor terminal by a predetermined ratio, and calculates the calculated amount by a holder of the second electronic currency. 23. The electronic currency issuing system according to claim 22, wherein a remittance process for distributing to the holder according to a holding ratio of the money is executed.
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.
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.
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.