WO2020059272A1 - Value information system - Google Patents

Value information system Download PDF

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Publication number
WO2020059272A1
WO2020059272A1 PCT/JP2019/027974 JP2019027974W WO2020059272A1 WO 2020059272 A1 WO2020059272 A1 WO 2020059272A1 JP 2019027974 W JP2019027974 W JP 2019027974W WO 2020059272 A1 WO2020059272 A1 WO 2020059272A1
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WO
WIPO (PCT)
Prior art keywords
value information
unit
user
issuer
value
Prior art date
Application number
PCT/JP2019/027974
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French (fr)
Japanese (ja)
Inventor
達也 宮寺
藤原　秀樹
杉山　真一
Original Assignee
株式会社カヤック
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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Publication date
Priority claimed from PCT/JP2018/034613 external-priority patent/WO2020059042A1/en
Priority claimed from PCT/JP2018/034589 external-priority patent/WO2020059039A1/en
Application filed by 株式会社カヤック filed Critical 株式会社カヤック
Publication of WO2020059272A1 publication Critical patent/WO2020059272A1/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures

Definitions

  • the present invention relates to a technology for distributing value information that can also function as a virtual currency.
  • Cryptocurrencies generate monetary value in certain economic zones.
  • the virtual currency is used, for example, as a settlement means in place of a currency issued by the state (for example, Bank of Japan notes).
  • the economic territory of the virtual currency is specified geographically, such as a local public entity, or specified by the distribution channel of goods or services.
  • Patent Document 1 discloses that a retailer becomes a cash voucher provider and sells cash vouchers to customers and exchanges them for products. Further, Patent Document 1 defines an area-limited constraint such as a municipal government on a money exchange voucher and defines a product that can be exchanged for a product only in a specific area and a product that can be exchanged with a voucher. Is disclosed.
  • a user obtains points by a known point obtaining method such as the number of accesses to homepages of participating companies, answers to questionnaires or quizzes, or obtains points by redeeming points used by an external organization. It is disclosed that.
  • Patent Literature 2 discloses that a user purchases points with cash.
  • the issuer of the virtual currency can obtain a profit corresponding to the transfer of the virtual currency.
  • the virtual currency issuer determines the profit that the virtual currency issuer can obtain by transferring the virtual currency.
  • One of the objects of the present invention is to provide a technology for promoting the distribution of value information.
  • a receiving unit that receives value information necessary for paying a first user a required product or service to a settlement unit, and performs a predetermined transaction among the value information.
  • Value information corresponding to a price for the first user is provided, and value information corresponding to at least a part of the remaining value information is provided outside the settlement unit in association with the value information.
  • a providing unit for providing the value information to the second user.
  • the reception unit may be configured to, from the third user, which is different from the first user and is associated with the value information corresponding to at least a part of the remaining value information, from the third user. May be accepted.
  • the receiving unit receives information specifying a type of the value information
  • the providing unit determines the remaining value based on the information specifying the type of the value information received by the receiving unit.
  • Value information corresponding to at least a part of the information may be given to a second user provided outside the settlement unit in association with the value information.
  • the value information system may include a selection unit that selects the type of the value information based on a first predetermined condition, and transmits information of the selected type of the value information to the reception unit.
  • the assigning unit assigns information of the type of the value information selected by the selecting unit to a fourth user who has made the payment.
  • the selection unit may select a type of the value information based on information input from the fourth user.
  • the number of the third users is a plurality
  • the selection unit selects at least one third user from the plurality of the third users based on a second predetermined condition. You may.
  • the assigning unit may assign the value information corresponding to another part of the remaining value information to the fourth user who made the payment.
  • the giving unit may give message information to the fourth user who made the payment when the receiving unit receives the value information.
  • FIG. 2 is a block diagram illustrating a hardware configuration of the transaction system according to the first embodiment of the present invention.
  • FIG. 3 is a diagram illustrating a configuration of data stored in a database according to the first embodiment of the present invention. It is a figure explaining an example of issuance and distribution of value information of a 1st embodiment of the present invention.
  • 5 is a flowchart illustrating an operation of the transaction system according to the first embodiment of the present invention when an issuer issues an instruction to issue value information.
  • FIG. 1 is a diagram showing an entire configuration of a value information system 1 according to the first embodiment of the present invention.
  • the value information system 1 includes a plurality of issuer terminals 10 (10-1,..., 10-M), a transaction system 20, and a plurality of general user terminals 30 (30-1,. ) And a plurality of seller terminals 40 (40-1,..., 40-L).
  • M, N, and L are each a natural number of 2 or more.
  • Each of the plurality of issuer terminals 10, the transaction system 20, the plurality of general user terminals 30, and the plurality of seller terminals 40 communicates with the communication line NW.
  • the communication line NW is a public communication line (for example, the Internet), a LAN (Local Area Network), a dedicated line, or another communication line.
  • the communication via the communication line NW may be any of wired, wireless, or a combination of wired and wireless.
  • the issuer terminal 10 is a terminal device used by the issuer.
  • the issuer is a user (second user) who issues or manages value information.
  • the issuer can issue a new type of value information with the value information to be used for payment in a given transaction.
  • the issuer is, for example, but not limited to, a legal entity (eg, a company), a natural person (eg, a celebrity), or a local government (eg, a local government).
  • the value information is electronic data having a monetary value.
  • the value information can also function as a virtual currency, and under certain conditions, can be used for settlement instead of currency issued by the state (hereinafter simply referred to as “currency”).
  • the format of the value information data does not matter.
  • the value information may be represented by, for example, a character string including an alphabet, a number, a symbol, or a combination of two or more of them.
  • the value information may be a token.
  • Value information may be managed and operated using blockchain technology.
  • the value information may have a monetary value corresponding to electronic money, points or electronic coupons.
  • the value information issued by the issuer terminal 10-i (where 1 ⁇ i ⁇ M) is referred to as “value information Vi”.
  • the issuer using the issuer terminal 10-i is represented as “issuer Pi”.
  • Each of the plurality of issuer terminals is an issuer of different types of value information.
  • the types of value information that can be used for payment in transactions are limited. That is, the conditions under which the value information generates a value differ depending on the type of the value information. For example, in a particular transaction, payment can be made with the value information V-1, but payment cannot be made with the value information V-2 to VM. In another transaction, payment can be made using the value information V-2, but payment cannot be made using the value information V-1, V-3 to VM.
  • the transaction according to the present embodiment relates to the sale of a product or service, and involves paying for the transfer of the product or service.
  • the transaction of the present embodiment may include transferring value information to a third party without charge (for example, a donation act). Further, the transaction of the present embodiment may include borrowing value information from a third party.
  • the transaction system 20 is a system that issues and manages value information according to instructions from the issuer.
  • the management of the value information includes, for example, issuance of value information, exchange of currency and value information, and exchange of different types of value information.
  • the exchange is typically an equivalent exchange.
  • the general user terminal 30 is a terminal device used by a general user (fourth user).
  • the general user is a user who makes a transaction with a seller of a product or service using the value information issued by the transaction system 20.
  • a general user using the general user terminal 30-j is represented as "general user Uj".
  • the seller terminal 40 is a terminal device used by a seller of a product or service.
  • the seller is a user (first user) who makes a transaction with a general user using at least one type of value information.
  • the seller using the seller terminal 40-k is represented as “seller Tk”.
  • the seller terminal 40 is, for example, a server device that operates a POS terminal installed in a real store or a virtual store (for example, an EC site).
  • the seller terminal 40 may have a function of receiving payment based on the value information.
  • FIG. 2 is a block diagram showing a functional configuration of the transaction system 20.
  • the transaction system 20 includes an instruction receiving unit 201, a database 202, a request receiving unit 203, a generating unit 204, a transmitting unit 205, a receiving unit 206, a first granting unit 207, a value information receiving unit 208, And a second giving unit 209.
  • the instruction receiving unit 201 receives an issue instruction from the issuer terminal 10.
  • the issuance instruction is an instruction for issuing value information to be used for payment in a predetermined transaction.
  • the issuance instruction includes an instruction including at least a condition for permitting generation of the type of value information.
  • the issuance instruction may also include an issuance instruction for an existing type of value information.
  • the instruction receiving unit 201 updates the database 202 according to the received issuing instruction.
  • the request receiving unit 203 receives an exchange request from the general user terminal 30.
  • the exchange request includes requesting exchange of currency and value information paid by a general user, or exchange of value information of a type paid by a general user with other types of value information.
  • the generating unit 204 When the request receiving unit 203 receives the exchange request, the generating unit 204 generates value information for a general user when the request can be exchanged according to the conditions included in the issuance instruction. This value information is value information to be given to general users.
  • the transmission unit 205 transmits the value information generated by the generation unit 204 to the general user terminal 30 based on the exchange request received by the request reception unit 203.
  • the accepting unit 206 accepts payment based on the value information. This payment is a payment to the counterparty of the transaction, for example, the seller of the goods or services.
  • the first assigning unit 207 assigns a monetary value corresponding to at least a part of the paid value information to an issuer of the value information.
  • the first granting unit 207 changes the value information corresponding to a part of the paid value information to the issuer of the value information.
  • the value information receiving unit 208 receives the value information from the issuer terminal 10. This value information is value information assigned to the issuer by the first assigning unit 207.
  • the second assigning unit 209 assigns a monetary value corresponding to the value information received by the value information receiving unit 208 to the issuer terminal 10.
  • the transaction system 20 is roughly divided into an exchange system 210 and a settlement system 220.
  • the exchange system 210 has a function related to exchange of license information, and includes an instruction receiving unit 201, a database 202, a request receiving unit 203, a generating unit 204, a transmitting unit 205, a license information receiving unit 208, And a second giving unit 209.
  • the settlement system 220 has a function related to a transaction based on value information, and includes a receiving unit 206 and a first granting unit 207.
  • the exchange system 210 and the settlement system 220 may be physically (hardware) separated or may be integrated. Hereinafter, a case where the exchange system 210 and the settlement system 220 are physically integrated will be described.
  • FIG. 3 is a block diagram showing a hardware configuration of the transaction system 20.
  • Transaction system 20 includes a control unit 21, a first communication unit 22, a second communication unit 23, and a storage unit 24.
  • the control unit 21 controls each unit of the transaction system 20.
  • the control unit 21 includes, for example, an arithmetic processing circuit 211 and a memory 212.
  • the arithmetic processing circuit 211 includes, for example, a CPU (Central Processing Unit), an ASIC (Application Specific Integrated Circuit), an FPGA (Field-Programmable Gate Array), or another arithmetic processing circuit.
  • the memory 212 is used by the arithmetic processing circuit 211 to temporarily store data related to arithmetic processing.
  • the memory 212 includes, for example, a RAM (Random Access Memory) or other volatile memory.
  • the first communication unit 22 communicates with each of the plurality of issuer terminals 10.
  • the second communication unit 23 communicates with each of the plurality of general user terminals 30.
  • the first communication unit 22 and the second communication unit 23 each include a communication circuit for communicating with the communication line NW.
  • the storage unit 24 stores data.
  • the storage unit 24 stores, for example, a program 241.
  • the program 241 is a program for causing the control unit 21 to realize each function described in FIG.
  • the storage unit 24 may include a storage medium that stores data permanently.
  • the storage unit 24 includes, for example, an optical recording medium, a magnetic recording medium, a semiconductor recording medium, or another recording medium.
  • the instruction receiving unit 201, the first giving unit 207, the value information receiving unit 208, and the second giving unit 209 described in FIG. 2 are realized by the cooperation of the control unit 21 and the first communication unit 22.
  • the request receiving unit 203, the transmitting unit 205, and the receiving unit 206 are realized by cooperation of the control unit 21 and the second communication unit 23.
  • the generation unit 204 is realized by the control unit 21.
  • the database 202 is realized by the storage unit 24.
  • the plurality of issuer terminals 10 and the plurality of general user terminals 30 may be any type of computer device.
  • the plurality of issuer terminals 10 are computer devices in which a program for instructing the transaction system 20 to issue value information is installed.
  • the plurality of general user terminals 30 are computer devices in which a program for executing a transaction using the value information is installed.
  • Issuer terminal 10 is, for example, a personal computer.
  • the general user terminal 30 is, for example, a personal computer, but may be a mobile communication terminal such as a smartphone or a tablet computer.
  • FIG. 4 is a diagram showing an example of the configuration of data stored in the database 202.
  • the database 202 stores, for example, an issuance management table 2022 and a possession status management table 2024.
  • the issue management table 2022 includes, for each type of value information, “issuer ID”, “value ID”, “issuance”, “total circulation amount”, “distributed amount”, and “rate”. Is a table that associates each information represented by.
  • “Issuer ID” is an identifier for identifying an issuer that issues the value information.
  • the issuer ID of the issuer Pi is represented as “Pi”.
  • “Value ID” is an identifier for identifying the type of the value information.
  • the value ID of the value information Vi is represented as “Vi”. “Issuable” indicates whether or not the value information can be issued.
  • the “total circulation amount” defines a condition for limiting the circulation amount of the value information.
  • the total circulation amount indicates the maximum amount of value information permitted to be distributed at the same time.
  • the total circulation amount is specified by a value of a unit when one unit of the value information is represented by “VAL”.
  • VAL is a unit corresponding to the number of the value information.
  • the “distributed amount” indicates the amount of value information currently distributed. “Rate” indicates the exchange rate between the value information and the currency. In the example of FIG.
  • the value information "V-1" means that one unit (1 VAL) of the value information is exchanged with a currency of 100 JPY (Japanese yen).
  • the unit of currency is Japanese yen, but dollars, euros and other units may be used.
  • the holding status management table 2024 is a table for managing the holding status of the value information for each of the plurality of general users Uj.
  • the holding status management table 2024 is a table in which information represented by “general user ID”, “value ID”, and “holding status” is associated with each general user.
  • “General user ID” is an identifier for identifying a general user. In the present embodiment, the general user ID of the general user Uj is represented as “Uj”.
  • the value ID is the same as the value ID described above.
  • “Retention status” is information indicating the status of possession of value information by general users.
  • the holding status includes, for example, information for specifying whether each type of value information is held and the amount of the held value information.
  • the character string may be included in the possession status.
  • the holding status management table 2024 may not be stored in the transaction system 20.
  • the possession status may be stored in another device.
  • FIG. 5 is a diagram illustrating an example of issuing and distributing value information in the value information system 1.
  • the operation of the value information system 1 is roughly divided into the following four operations.
  • the issuer instructs the transaction system 20 to issue value information.
  • the transaction system 20 issues value information to general users.
  • a general user transacts with value information.
  • the issuer redeems the value information.
  • FIG. 5 shows a case where the issuer P-1 is the issuer of the value information V-1, and the general user U-1 conducts a transaction based on the value information V-1.
  • the dashed arrow in FIG. 5 indicates the direction in which the issuance of the value information is instructed, and the solid arrow indicates the distribution route of the value information.
  • FIG. 5 shows two distribution channels of the value information (III) (a) and (III) (b) with respect to (III), and the value information is distributed through one of the distribution channels. I do.
  • the details of each of the operations (I) to (IV) will be described with reference to specific examples.
  • FIG. 6 is a flowchart showing an operation of the transaction system 20 when an issuer issues an instruction to issue value information.
  • the instruction receiving unit 201 receives an instruction to issue value information from the issuer terminal 10 (step S11).
  • the issuance instruction is data for instructing issuance of value information.
  • the issuance instruction is an instruction transmitted by the issuer terminal 10 in accordance with the instruction of the issuer Pi when an attempt is made to issue a new type of value information to be used for payment in a predetermined transaction. is there.
  • the issuance instruction includes at least a condition (first condition) for permitting generation of the value information. In the present embodiment, the availability of the value information, the total circulation amount, and the rate described with reference to FIG. 4 are included.
  • the instruction receiving unit 201 updates the database 202 based on the issuance instruction (step S12).
  • the instruction receiving unit 201 adds the record shown in FIG. 7 to the issue management table 2022.
  • the instruction receiving unit 201 sets the issuer ID “P-1”, the value ID “V-1”, the issuance “OK”, and the total circulation amount “ "10000”, the distributed amount "0", and the rate "100JPY / VAL" are added to the issue management table 2022 in association with each other. These pieces of information may be set by the publisher P-1.
  • the transaction system 20 does not hold the inventory of the value information just by instructing the issuance of the value information.
  • the instruction receiving unit 201 also executes the processing of steps S11 and S12 even when an instruction to generate another type (second type) of value information is issued. For example, when the issuer P-2 (third user) instructs issuance of the value information “V-2”, the instruction receiving unit 201 allows the issuer terminal 10-2 to generate the value information. An issuance instruction including at least a condition is received (step S11). The instruction receiving unit 201 creates a record including the issuer ID “P-2” and the value ID “V-2”, and adds the record to the issue management table 2022.
  • the instruction receiving unit 201 may receive the issuance instruction at a timing other than the issuance of the new type of value information. For example, when the issuer wishes to change one or more of the issuance / non-issuance, the total circulation amount, and the rate for the existing type of value information, the issuer terminal 10 issues an issuance instruction for the change to the transaction system 20 Send.
  • FIG. 8 is a flowchart showing an operation when the transaction system 20 issues value information to a general user.
  • the request receiving unit 203 waits until an exchange request is received from the general user terminal 30. Then, the request receiving unit 203 receives the exchange request from the general user terminal 30 (Step S21).
  • the exchange request here is a first exchange request indicating a request for exchange between the value information V-1 and the currency paid by the general user U1.
  • the exchange request includes, for example, information (for example, a value ID) that specifies the type of value information that a general user intends to obtain.
  • the request receiving unit 203 receives an exchange request from the general user terminal 30 without passing through the issuer terminal 10.
  • the request receiving unit 203 notifies the generating unit 204 that it has determined that the exchange request has been received.
  • the generation unit 204 determines whether to generate value information to be exchanged according to the exchange request (step S22).
  • the generation unit 204 refers to the issuance management table 2022 to determine whether or not issuance is associated with the value ID of the value information to be exchanged.
  • the generation unit 204 determines that generation is permitted when the circulation amount of the value information to be exchanged is smaller than the total circulation amount and whether or not the issuance is “OK”. On the other hand, when the circulation amount of the value information to be exchanged has reached the total circulation amount, or when the issuance is “NG”, the generation unit 204 determines that the generation is not permitted.
  • the generation unit 204 determines that the generation is not permitted.
  • the generation unit 204 When the generation is permitted (step S23; YES), the generation unit 204 generates value information to be exchanged for a general user in response to the exchange request (step S24).
  • an exchange request requests exchange with value information corresponding to 10 VAL.
  • the generation unit 204 generates value information corresponding to 10 VAL based on the rate specified in the issuance management table 2022, provided that payment of 1000 JPY has been confirmed.
  • the generation unit 204 adds “10” to the circulation amount corresponding to the value ID “V ⁇ 1” in the issue management table 2022. As a result, the issue management table 2022 is updated to the configuration shown in FIG.
  • the generation unit 204 updates the holding status management table 2024 and performs a process of giving value information to general users.
  • the generation unit 204 updates the holding status associated with the general user ID “U-1” and the value ID “V-1” in the holding status management table 2024.
  • the transmitting unit 205 transmits the value information generated by the generating unit 204 to the general user terminal 30 (Step S25).
  • the general user terminal 30 receives the generated value information and stores it.
  • the transmitting unit 205 transmits the value information V-1 corresponding to 10VAL to the general user terminal 30-1.
  • the generation unit 204 does not generate the value information.
  • the transmission unit 205 performs an error process (Step S26). For example, the transmitting unit 205 transmits to the general user terminal 30 an error message indicating that the generation of the license information is not permitted.
  • the transmission unit 205 performs an error process, for example, when the distribution amount has reached the total distribution amount.
  • the transmission unit 205 performs error processing even when the issuance is “NG” in order to prohibit the issuer from generating new value information for the purpose of suppressing market fluctuations and the like.
  • the transaction system 20 when receiving the instruction to issue the value information, the transaction system 20 receives the exchange request and generates the value information when the value information can be generated. Therefore, compared to the case where the transaction system 20 has the value information in the stock, the risk of theft or unauthorized use of the value information and the unintended market fluctuation of the issuer due to speculation are reduced.
  • the request receiving unit 203, the generating unit 204, and the transmitting unit 205 also execute the processing of steps S21 to S26 when an instruction to generate another type (second type) of value information is issued. That is, the request receiving unit 203 receives, from the general user terminal 30, a second exchange request between the value information V-2 and the currency possessed by the general user. In this case, when the second exchange request is received, when the generation unit 204 can exchange according to the second condition, the generation unit 204 gives the general user value information V-2 corresponding to the currency.
  • FIG. 10 is a flowchart showing the operation of the transaction system 20 when a general user transacts with value information.
  • the operation when the general user U-1 purchases a product from the seller T-1 or T-2 will be described below.
  • the product is a product that can be purchased by using specific value information for payment (a so-called limited product). If the publisher is an idol singer or entertainer, the product may be a ticket for participating in the publisher's event.
  • the product may be a book or comic produced by the publisher if the publisher is a writer or cartoonist.
  • the accepting unit 206 waits until accepting payment by the value information from the general user terminal 30. Then, the accepting unit 206 accepts payment by the value information from the general user terminal 30 (Step S31).
  • the payment is performed at a price corresponding to a third price obtained by adding a predetermined second price to a first price, which is a price for performing a predetermined transaction (that is, a purchase price of a product).
  • a predetermined second price a predetermined transaction
  • a predetermined transaction that is, a purchase price of a product.
  • the price (first price) of the product is 4 VAL and the additional price (second price) is 1 VAL
  • the general user pays with value information corresponding to 5 VAL (third price).
  • the relationship between the price of the product and the additional price is an example, and another relationship (for example, the additional price is 1% of the price of the transaction) may be used.
  • the accepting unit 206 notifies the first granting unit 207 that the payment has been accepted.
  • the first assigning unit 207 determines whether the payee of the value information is a payee determined in advance for the type of the value information (Step S32). For example, the first granting unit 207 determines whether the payee of the value information used for payment is the same as the issuer of the value information. Information specifying whether the payee is the same as the issuer may be set in advance. If it is determined as “NO” in Step S32, the first assigning unit 207 assigns the value information corresponding to a part of the paid value information to the issuer (Step S33). Here, the first assigning unit 207 assigns value information corresponding to 1 VAL corresponding to the additional price to the issuer P-1.
  • the grant of the value information is performed by transmitting the value information.
  • the first granting unit 207 gives the seller a monetary value corresponding to the value of the transaction (step S34).
  • the first assigning unit 207 assigns value information corresponding to 4VAL to the seller T-1.
  • the monetary value may be assigned by transmitting the value information to the seller terminal, or by depositing the currency.
  • the seller can obtain a monetary value corresponding to the consideration for the transaction.
  • the issuer can obtain a monetary value as an incentive for the general user to use the value information.
  • the payment by the first granting unit 207 to the seller is referred to as “payment”, and in this case, a part of the first granting unit 207 can be said to be a settlement unit.
  • the first granting unit 207 determines “YES” in step S32, it grants all the paid value information to the issuer (step S35). For example, assume that a product is manufactured and sold by the publisher P-1, and the seller T-2 and the publisher P-1 are the same. In this case, when the merchandise is purchased from the seller T-2, the first giving unit 207 gives the value information corresponding to 5VAL to the issuer P-1. In this case, the issuer can obtain value information corresponding to the value of the transaction and value information as an incentive for the general user to use the value information. The general user pays for the value information corresponding to the additional price, but is able to purchase a product that can be purchased only with the value information, which motivates the user to use the value information.
  • the first assigning unit 207 also assigns at least value information corresponding to an additional price to the issuer even when payment is made using another type of value information. For example, when the payment is performed using the value information V-2, the first granting unit 207 gives the issuer P-2 at least the value information V-2 corresponding to the additional price.
  • FIG. 11 is a flowchart showing the operation when the issuer redeems the value information.
  • the value information receiving unit 208 waits until value information is received from the issuer terminal 10. Then, the value information receiving unit 208 receives the value information from the issuer terminal 10 (Step S41). The value information receiving unit 208 notifies the second giving unit 209 that the value information has been received. Next, the second assigning unit 209 assigns a monetary value corresponding to the value information to the issuer (Step S42).
  • the monetary value is given here by depositing money.
  • the monetary value given to the issuer includes a monetary value corresponding to the above-mentioned additional price. Therefore, the issuer can obtain a monetary value as an incentive for using the value information.
  • the second assigning unit 209 updates the database 202 (Step S43).
  • the value information corresponding to the monetary value that has been exchanged disappears. Therefore, the second granting unit 209 subtracts the value information of the converted amount from the already distributed amount. For example, when the issuance management table 2022 is in the state of FIG. 4 and the value information V-1 corresponding to 1000 VAL has been redeemed, the second granting unit 209 updates the issuance management table 2022 as shown in FIG. I do. That is, the issued amount becomes “6000”, and value information corresponding to 1000 VAL can be newly distributed.
  • the transaction system 20 when receiving the instruction to issue the value information, the transaction system 20 receives the exchange request and generates and transmits the value information when the value information can be generated. Therefore, the risk of theft of the value information or unauthorized use is smaller than in the case where the transaction system 20 holds the value information as inventory.
  • Value information is different from conventional cryptocurrencies, and the lowest price is guaranteed for each product. For this reason, the value information functions as an index such as PBR (Price @ Book-value @ Ratio) in the stock. If the price of the value information rises sharply due to excessive speculation, the issuer can stabilize the market by increasing the circulation amount of new value information based on the issuance instruction. In addition, in order for an issuer to make a profit, value information must be obtained through the sale of a predetermined product. Since it is based on the efforts of the individual who sells the product, there is an incentive to secure the security of transactions and maintain the economic zone of value information soundly.
  • PBR Price @ Book-value @ Ratio
  • the value information enables the issuer to manage the volume of distribution, but realizes a healthy economic sphere supported by incentives for healthy distribution.
  • the request receiving unit 203 receives the exchange request from the general user terminal 30 (Step S21).
  • the exchange request here is a third exchange request indicating a request to exchange the value information V-2 with the value information V-1 paid by a general user.
  • the exchange request includes, for example, the type of the value information that the general user intends to obtain and information (for example, a value ID) that specifies the value information held by the user.
  • the generation unit 204 determines whether to generate value information to be exchanged according to the exchange request (step S22). Then, when generation is permitted (step S23; YES), the generation unit 204 generates value information to be exchanged in response to the exchange request (step S24).
  • the exchange request requests exchange with the value information V-2 corresponding to 10VAL.
  • the generation unit 204 generates the value information V-2 corresponding to 10 VAL on condition that the reception of the value information V-1 corresponding to 100 VAL is confirmed. Then, the generation unit 204 subtracts “100” from the distribution amount corresponding to “V ⁇ 1” in the issue management table 2022.
  • the generation unit 204 adds “10” to the distribution amount corresponding to “V-2” in the issue management table 2022.
  • the generation unit 204 updates the holding status management table 2024 and performs a process of giving value information to general users. Then, the transmitting unit 205 transmits the value information generated by the generating unit 204 to the general user terminal 30 (Step S25).
  • step S23 If the generation of the value information is not permitted in step S23 (step S23; NO), the generation unit 204 does not generate the value information. In this case, the transmission unit 205 performs an error process.
  • the transaction system 20 receives the exchange request and receives the exchange request, and when the value information can be generated, when the instruction to issue the value information is received. Generate and send value information. Therefore, the risk of theft of the value information or unauthorized use is smaller than when the transaction system 20 has the value information in stock.
  • a general user can purchase the value information from another general user even if the distributed amount of the value information to be purchased has reached the total circulation amount and the value information cannot be purchased from the transaction system 20.
  • the price of the value information may fluctuate depending on the transaction.
  • a general user who has owned the value information and supported the issuer for a long time or the issuer can obtain profit.
  • Ethical consumption refers to selecting and consuming goods or services based on whether they are considered for the environment, for humans and society, or for the community. In today's materially filled modern age, the difference in quality of goods and services is so small that the background of goods or services may be emphasized in consumption. However, in order to activate ethical consumption, it may not be enough to wait for a product or service corresponding to ethical consumption to appear. For example, if you want to contribute to the prevention of global warming but need to buy gasoline, want to buy environmentally friendly food, do not taste good, or want to participate in ethical consumption, but the corresponding product or service is This is because there may not be. In this way, there are cases where ethical consumption cannot be performed, or even if you are interested in ethical consumption, you may not be able to find and purchase the corresponding product or service. At present, the mechanism has not been established.
  • a mechanism for promoting ethical consumption which can be performed by a light user, such that 1000 yen cannot be provided for ethical consumption but 10 yen can be provided, has not been realized.
  • the value information system 1 a general user purchases a product or service using the value information, and the purchase returns a profit to an issuer of the value information.
  • general users when purchasing a product or service, general users only need to select the value information of the issuer (person, region) that they support, and there is no excessive burden. It can be carried out. Therefore, according to the value information system 1, ethical consumption can be promoted, and "new ethical consumption that can support someone with a casual feeling" can be realized in daily consumption activities. As a result, it is also possible to visualize the small feelings of cheering of consumers, which were not seen before.
  • FIG. 13 is a flowchart showing the operation when the general user U-1 makes a transaction by using the value information.
  • FIG. 14 is a diagram illustrating issuance and distribution of value information according to the present embodiment.
  • the receiving unit 206 determines whether or not payment of a cost related to a predetermined transaction has been received from the general user terminal 30 based on one of the plurality of types of value information (step S51).
  • the accepting unit 206 determines that the payment has been accepted, it notifies the second giving unit 209 of that fact.
  • the second giving unit 209 gives the value information corresponding to the additional price to the issuer of the value information (Step S52). For example, when the value information V-1 is used, the second assigning unit 209 assigns the value information V-1 corresponding to the additional price to the issuer P-1.
  • the second granting unit 209 gives the value information V-2 corresponding to the additional price to the issuer P-2.
  • the second assigning unit 209 assigns a monetary value corresponding to the value of the transaction to the seller (Step S53).
  • FIG. 15 is a flowchart showing the operation when the general user U-1 makes a transaction using the value information.
  • FIG. 16 is a diagram illustrating issuance and distribution of value information according to the present embodiment.
  • the receiving unit 206 determines whether the payment of the cost related to the predetermined transaction has been received from the general user terminal 30 by specifying the currency and any one of the plurality of types of value information (step S61).
  • the type of the value information is specified using, for example, a general user or artificial intelligence. Here, for example, four types of value information V-1, V-2, V-3, and V-4 can be used. If the accepting unit 206 determines that the payment has been accepted, it notifies the second giving unit 209 of that fact. Next, the second giving unit 209 gives the value information corresponding to the additional price to the issuer of the value information (Step S62).
  • the second assigning unit 209 assigns the value information V-1 corresponding to the additional price to the issuer P-1.
  • the second granting unit 209 gives the value information V-2 corresponding to the additional price to the issuer P-2.
  • the second assigning unit 209 assigns a monetary value corresponding to the value of the transaction to the seller (Step S63).
  • no transaction of value information occurs between the general user and the seller.
  • a general user pays he or she simply selects which value information to pay.
  • the flow of the value information occurs at the moment when the general user pays the currency, and immediately cancels the debt paid to the seller.
  • the value information corresponding to the additional price is given to the issuer of the selected value information.
  • a general user conducts a transaction using the value information, so that an action of supporting the issuer is added. New consumption patterns arise.
  • the value information can be used only for realizing ethical consumption.
  • a method for payment by a general user there is a method using a two-dimensional code (also referred to as a QR code (registered trademark)).
  • QR code registered trademark
  • an issuer to which value information corresponding to an additional price should be given in addition to an ID and a password may be set. That is, it is also possible to adopt a mechanism in which a general user can easily change a person who supports the user depending on his / her mood, instead of a specific issuer according to the type of value information.
  • the settlement means can be applied to various existing electronic settlement methods such as electronic money, credit card settlement, and web money, in addition to the QR code (registered trademark).
  • value information corresponding to an additional price is given a predetermined amount
  • the present invention is not limited to this.
  • the value information corresponding to the additional price may be specified. Thereby, the issuer of the value information can be supported as much as desired.
  • the selection of the issuer of the value information includes “the general user searches for and selects the issuer of the value information” and “the general user registers the issuer of the value information in advance in the settlement system 220. Yes, “the payment system 220 randomly selects”, and “selects the issuer of the value information that the payment system 220 determines to be optimal". In order to promote the support action, it is preferable that the general user who pays when selecting the issuer of the value information is excluded from the selection targets.
  • the partner of the transaction may be determined according to the holding status of the value information of each purchaser.
  • the holding status is a holding status determined in advance such as the amount of the value information held, the time when the holding was started, and whether or not the specific value information was held.
  • the accepting unit 206 accepts a payment from any of the general user terminals 30 according to the holding status, and does not accept a payment from any other general user terminal 30.
  • FIG. 17 is a diagram showing the entire configuration of the value information system 1A according to the present embodiment.
  • the value information system 1A includes a plurality of issuer terminals 10 (10-1,..., 10-M), a transaction system 20A, and a plurality of general user terminals 30 (30-1,..., 30-N). ), And a plurality of seller terminals 40 (40-1,..., 40-L), and (50-1,..., 50-H) including sponsor terminals.
  • M, N, L, and H are natural numbers of 2 or more.
  • the sponsor terminal 50 is a terminal device used by a sponsor company (third user).
  • the sponsor company purchases the value information issued by the transaction system 20A, and when the user who makes a transaction with the seller of the product or service pays using the value information, the user adds the value information corresponding to the additional price to the user. Make payments instead.
  • a sponsor company that uses the sponsor terminal 50-H is represented as "Sponsor SH".
  • FIG. 18 is a block diagram showing a functional configuration of the transaction system 20A.
  • the transaction system 20A includes an instruction receiving unit 201, a database 202, a request receiving unit 203, a generating unit 204, a transmitting unit 205, a receiving unit 206, a first granting unit 207, a value information receiving unit 208, A second assigning unit 209 and a database 213 are included.
  • the accepting unit 206 accepts payment based on the value information.
  • This payment is a payment to the counterparty of the transaction, for example, the seller of the goods or services.
  • the sponsor unit 50 pays the value information corresponding to the additional price to the receiving unit 206.
  • the first granting unit 207 gives value information corresponding to the additional price paid from the sponsor terminal 50 to the issuer of the value information.
  • FIG. 19 is a flowchart showing the operation when the general user U-1 makes a transaction by using the value information.
  • FIG. 20 is a diagram illustrating issuance and distribution of value information according to the present embodiment. The description of the same parts as those of the other embodiments will be omitted.
  • the receiving unit 206 determines whether or not payment of a cost relating to a predetermined transaction has been received from any of the plurality of types of value information from the general user terminal 30 (step S71).
  • four types of value information V-1, V-2, V-3, and V-4 can be used. If the accepting unit 206 determines that the payment has been accepted, the accepting unit 206 notifies the first granting unit 207 of that fact.
  • the first giving unit 207 gives the value information corresponding to the additional price received from the sponsor terminal 50 to the issuer of the value information (Step S72). For example, when the value information V-1 is used, the first assigning unit 207 assigns the value information V-1 corresponding to the additional price to the issuer P-1.
  • the value information V-1 corresponding to the additional price is provided using the value information V-1 received from the sponsor terminal 50 associated with the value information V-1.
  • the value information V-2 corresponding to the additional price is given using the value information V-2 received from the sponsor terminal 50 associated with the value information V-2.
  • the first assigning unit 207 assigns a monetary value corresponding to the transaction consideration to the seller (step S73).
  • the sponsor company purchases (or reserves) specific value information on behalf of general users in advance.
  • the sponsor company may carry out a return campaign using the value information. Until the value information purchased by the sponsor company during the campaign period becomes zero, the user does not have to bear the value information corresponding to the additional price in the settlement performed using the value information. This reduces the burden on the general user by allocating the value information corresponding to the additional price to the sponsor company instead of the general user, thereby promoting the visualization of affection. Therefore, by using the present embodiment, it is possible to provide a general user with the motivation of “want to directly purchase a product” instead of an indirect advertisement such as a TV commercial, and to provide a direct and efficient Generations of advertising can be provided.
  • the user can make use of value information issued by a person, a character, or an organization that he / she wants to support and have a very strong and highly transparent flow of money, thereby making the user safe.
  • I can support with my heart.
  • the sponsor company not the user, bears the value information corresponding to the additional price. Therefore, it is possible to support without loss by simply using the value information without changing the usual shopping.
  • the sponsor company may present the value information directly to a specific user (fan) as well as the value information return service corresponding to the additional price.
  • a sales promotion service that promotes consumption by multiple times of value information becomes possible.
  • the sponsor company bears the value information corresponding to the additional price of the general user, but the present invention is not limited to this.
  • value information to be given to the issuer of the value information from the sponsor company may be received.
  • the sponsor company may instead bear the value information given to the issuer of the value information that the settlement company bears in the settlement system 220.
  • the sponsor company may return a part of the value information paid by the general user to the general user (cashback may be performed).
  • the payment system 220 can function as one application (also referred to as a payment application).
  • the user can set an individual account for each.
  • a publisher of value information can be designated as one account
  • a general user can be designated as another account.
  • the account information may be recorded in the database 213 of the settlement system 220 or may be recorded in the database 202 of the exchange system 210 after being received by the reception unit 206.
  • the account information of the issuer of the value information (second user) is used in the payment system 220, it may be provided in the same server as the payment function (payment unit) of the first granting unit 207.
  • the account information management function and the settlement function may be controlled separately or may be controlled integrally.
  • ⁇ ⁇ ⁇ ⁇ ⁇ Various campaigns conducted by sponsor companies will enable closer connection between value information issuers and general users, and are expected to promote the use and sales of value information. For example, during a campaign conducted by a sponsor company of singer C, if a general user who is a fan of singer C purchases a new song CD with value information V-2 (also referred to as B coin), a bonus track may be downloaded. You can hear the appreciation message from singer C, or get a special jacket illustration. In this way, sponsor companies can not only contribute money but also promote sales with various campaigns and sets.
  • the publisher of value information can also enter into an advertising contract with a sponsor company.
  • the issuer of the value information can advertise the product / service for which the advertising contract has been concluded with his / her SNS (Social Networking Service) application or weblog application (also referred to as a blog).
  • the account of the payment application and the SNS application may be linked.
  • the QR code (registered trademark) for the settlement of the advertised product is directly pasted on the screen (user interface) of the SNS application, ordinary users can scan the QR code (registered trademark) for value.
  • the user can purchase the product being advertised, which can lead to sales promotion.
  • the publisher of the value information may become the sponsor company.
  • the issuer of the value information may be registered as a “recommended payment application (payment company)” coin (value information) by paying a fixed amount to a payment company handling the payment system. This will allow you to use a lot of your own coins (value information) regardless of the product, which will promote distribution and increase profits.
  • the return of the value information corresponding to a higher additional price can be realized by determining the sponsor company that bears the value information corresponding to the additional price by bidding.
  • FIG. 21 is a block diagram showing a functional configuration of the transaction system 20B.
  • the transaction system 20B includes an instruction receiving unit 201, a database 202, a request receiving unit 203, a generating unit 204, a transmitting unit 205, a receiving unit 206, a first assigning unit 207, a value information receiving unit 208, In addition to the second assigning unit 209, a selecting unit 215 is included.
  • the selection unit 215 selects which sponsor company's value information among the plurality of sponsor company's value information received by the reception unit 206 is used to give the value information corresponding to the additional price.
  • the above-mentioned bidding can be realized not only for one product but also for a plurality of products. For example, if the user is lost in a plurality of products at the online shop (for example, which mineral water to use), it corresponds to the additional price of the sponsor company for each product based on the value information held by the user and the value information to be used.
  • the return information of the value information may be displayed on the general user terminal 30.
  • the general user selects a product (mineral water) based on return information of value information corresponding to the most favorite additional price.
  • the sponsor company may bear not only the return of the value information corresponding to the additional price but also the discount of the product price.
  • a completely new type of support may be realized by automatically and optimally selecting the type of value information. For example, when supporting someone using value information corresponding to an additional price, it is necessary to select specific value information and make a payment. However, there are users who do not know who to support and have trouble choosing value information.
  • the selection unit 215 automatically selects the type of value information to be used for payment by referring to the user's action history, browsing history, and type of held value information for the value information to be used for payment. Good.
  • the value information selected at the time of settlement is displayed on the general user terminal 30, and the user can know the information of the "supported target". At this time, if the user likes the "supported target", the type of the value information may be manually selected, and the value information may be continuously used from the next time. At this time, the selection unit 215 can select the type of the value information based on the information input by the user. Further, the receiving unit 206 may receive the type of the value information from the user (general user terminal 30). In addition, when the “supporting target” is not preferred or the “supporting target” is not particularly particular, the selection unit 215 may automatically select the type of the value information every time.
  • the selected value information can increase the selection rate by the publisher's bid. For example, a user who has made a large bid, such as a bid for a targeted advertisement, has an improved rate of automatic selection and is more likely to be supported by value information. Earnings also increase.
  • FIG. 22 is a block diagram showing a functional configuration of the transaction system 20C.
  • a transaction is performed using the value information and the value information corresponding to the additional price is given (given) to the issuer of the value information, a message of “thank you” is sent to the general user terminal at the timing of using the value information. 30.
  • the value information is given (delivered) to the issuer as value information corresponding to the purchase of the product or the additional price. Further, the value information may be given to another user (general user terminal 30-2) from the first giving unit 207 of the transaction system 20C (may be given as a present).
  • the first granting unit 207 synchronizes the value information with the exchange process or the purchase process.
  • a message may be given (transmitted) to the user who used the last time.
  • a message is given (transmitted) to a user, a predetermined message can be automatically transmitted each time a payment process is performed.
  • the content of the message at this time can be freely set by the user who has received the value information. For example, it may be a character such as "thank you", an image meaning "thank you”, audio information such as "thank you”, or moving image information.
  • the user who has used the value information can obtain a return of a “thank you message”. With this return, value information transactions become more active.
  • the issuer of the value information may check the settlement information displayed on the issuer terminal 10 and transmit a message to the user based on the information input to the issuer terminal 10 by the issuer.
  • it may be determined whether or not the payment amount has reached a preset amount, and a predetermined message may be automatically transmitted when the settlement amount has reached the preset amount.
  • the set amount can be changed as appropriate.
  • information indicating that the payment amount has reached a preset amount is displayed on the issuer terminal 10, and when the issuer of the value information confirms the information, the payment information displayed on the issuer terminal 10 is displayed. May be confirmed by the issuer of the value information, and a message may be given (transmitted) to the user based on the information input by the issuer of the value information. As a result, it is possible to further promote the sale of the product and the distribution of the value information.
  • a message may be transmitted to the issuer of the value information.
  • a fan of singer C purchases or downloads a CD of a new song of B with value information V-2, it issues value information such as "I am looking forward to it" and "I always support”.
  • value information V-2 also referred to as an account.
  • the issuer of the value information and the general user can perform two-way communication like SNS, and can exchange messages.
  • FIG. 23 is an example of a user interface showing a payment system management screen displayed on the display unit of the terminal. As shown in FIG. 23, the usage status of the general user's value information is displayed on the screen. By screenshoting the screen into one image and attaching it to the user interface of the SNS, the usage status of the value information can be disclosed to other general users. Specifically, when a screen shot image of the usage status is pasted together with a message “I have used 1 million VALU with B coins this month.” You can get "likes" (also called “coin shines”).
  • a present may be sent instead of a message.
  • a present may be sent.
  • the value information V-2 is used for 10,000 VAL or more, a new song of singer C can be downloaded, a photo can be downloaded, and a live ticket can be obtained.
  • the transaction system 20 may have a function corresponding to the settlement system 220 and may not have a function corresponding to the exchange system 210.
  • the data configuration described in the above-described embodiment is merely an example. Further, the execution order of the above-described operations may be changed within a consistent range.
  • the present invention provides the first type of value corresponding to a part of the paid first type of value information when the first type of value information is paid to the first user.
  • the information is specified as a value information system having an assigning unit that assigns information to a second user according to the first type of value information.
  • Each function described in each of the embodiments described above is realized by one or a plurality of programs, and can be realized by cooperation of one or a plurality of hardware resources.
  • the program 241 for realizing the function is implemented by computer-readable recording such as various magnetic recording media, optical recording media, magneto-optical recording media, and semiconductor memories. It may be provided in a state stored in a medium. Further, this program may be distributed via a network. Further, the present invention can be understood as a value providing method.
  • the additional price may be rephrased as part of the payment price.
  • the payment price (third price) paid by a general user when buying a product is 1000 VAL
  • the price (first price) corresponding to the transaction to be provided to the seller (seller terminal 40) is 950 VAL.
  • the remaining 50 VAL (5%) may be substantially paid by the seller to the payment operator using the payment system 220.
  • the first granting unit 207 of the settlement system 220 may grant 10VAL (1%), which is a part (second price) of the received payment price, to the issuer (issuer terminal 10).
  • the accepting unit 206 accepts the type of the value information before performing the payment processing, but the present invention is not limited to this.
  • the receiving unit 206 may receive information on the type of the value information.
  • the general user may collectively specify the types of the value information for each of the payment processes, and the receiving unit 206 may receive the information regarding the type of the value information.

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Abstract

This value information system comprises an imparting unit that, if payment to a first user has been carried out using value information of a first type, value information of the first type, equivalent to part of the value information of the first type for which the payment was made, is imparted to a second user corresponding to the value information of the first type. The second user can be an issuer or an administrator of the value information of the first type. The payment is performed using value information of the first type, equivalent to a third price determined by adding a prescribed second price to a first price that is a consideration for making a prescribed transaction, and the imparting unit may impart a monetary value equivalent to at least the second price to the second user.

Description

価値情報システムValue information system
　本発明は、仮想通貨としても機能することができる価値情報を流通させるための技術に関する。 The present invention relates to a technology for distributing value information that can also function as a virtual currency.
　仮想通貨は、特定の経済圏内において、金銭価値を生じさせる。仮想通貨は、例えば国家が発行する通貨（例えば、日本銀行券）に代わる決済手段として用いられる。仮想通貨の経済圏は、例えば、地方公共団体のように地理的に特定されたり、商品またはサービスの流通経路によって特定されたりするが、様々である。 Cryptocurrencies generate monetary value in certain economic zones. The virtual currency is used, for example, as a settlement means in place of a currency issued by the state (for example, Bank of Japan notes). The economic territory of the virtual currency is specified geographically, such as a local public entity, or specified by the distribution channel of goods or services.
　特許文献１は、小売業者が金銭引換え券の提供者となり、顧客に対して、金銭引換え券の販売および商品との引換えを行うことを開示している。また、特許文献１は、金銭引換え券に市町村などの地域限定制約を設定して、特定の地域内でだけ商品と引換えること、および引換え券によって引換えることのできる商品が定義されていることを開示している。特許文献２は、ユーザが、参加企業のホームページのアクセス数や、アンケートやクイズの回答など公知のポイント入手方法によってポイントを得たり、外部団体の使用するポイントを換金してポイントを入手したりすることを開示している。また、特許文献２は、ユーザが現金でポイントを購入することを開示している。 Patent Document 1 discloses that a retailer becomes a cash voucher provider and sells cash vouchers to customers and exchanges them for products. Further, Patent Document 1 defines an area-limited constraint such as a municipal government on a money exchange voucher and defines a product that can be exchanged for a product only in a specific area and a product that can be exchanged with a voucher. Is disclosed. In Patent Literature 2, a user obtains points by a known point obtaining method such as the number of accesses to homepages of participating companies, answers to questionnaires or quizzes, or obtains points by redeeming points used by an external organization. It is disclosed that. Patent Literature 2 discloses that a user purchases points with cash.
特開２０１３－１５２７３５号公報JP 2013-152735 A 特開２００２－７９２７号公報JP-A-2002-7927
　従来の仕組みでは、仮想通貨の発行者は、その仮想通貨の譲渡の対価に相当する利益を得ることができる。すなわち、仮想通貨の発行者は、仮想通貨の譲渡により、その譲渡により自己が得られる利益が確定する。 (4) In the conventional mechanism, the issuer of the virtual currency can obtain a profit corresponding to the transfer of the virtual currency. In other words, the virtual currency issuer determines the profit that the virtual currency issuer can obtain by transferring the virtual currency.
　本発明の目的の一つは、価値情報の流通を促進するための技術を提供する。 One of the objects of the present invention is to provide a technology for promoting the distribution of value information.
　本発明の一実施形態は、決済部に対して、第１ユーザに対する必要な商品またはサービスの支払いを行うために必要な価値情報を受け付ける受付部と、前記価値情報のうち、所定の取引を行うための対価に相当する価値情報を、前記第１ユーザに付与し、残りの前記価値情報のうちの少なくとも一部に相当する価値情報を、前記価値情報に関連し、前記決済部の外部に設けられた第２ユーザに付与する付与部と、を有する、価値情報システムを提供する。 In one embodiment of the present invention, a receiving unit that receives value information necessary for paying a first user a required product or service to a settlement unit, and performs a predetermined transaction among the value information. Value information corresponding to a price for the first user is provided, and value information corresponding to at least a part of the remaining value information is provided outside the settlement unit in association with the value information. And a providing unit for providing the value information to the second user.
　上記価値情報システムにおいて、前記受付部は、前記残りの前記価値情報のうちの少なくとも一部に相当する前記価値情報を、前記第１ユーザとは異なり、前記価値情報に関連付けられた第３ユーザから受け付けてもよい。 In the above-described value information system, the reception unit may be configured to, from the third user, which is different from the first user and is associated with the value information corresponding to at least a part of the remaining value information, from the third user. May be accepted.
　上記価値情報システムにおいて、前記受付部は、価値情報の種類を指定する情報を受け付け、前記付与部は、前記受付部において受け付けた前記価値情報の種類を指定する情報に基づいて、残りの前記価値情報のうちの少なくとも一部に相当する価値情報を、前記価値情報に関連し、前記決済部の外部に設けられた第２ユーザに付与してもよい。 In the above-described value information system, the receiving unit receives information specifying a type of the value information, and the providing unit determines the remaining value based on the information specifying the type of the value information received by the receiving unit. Value information corresponding to at least a part of the information may be given to a second user provided outside the settlement unit in association with the value information.
　上記価値情報システムにおいて、第１の所定の条件に基づいて前記価値情報の種類を選択し、選択した価値情報の種類の情報を前記受付部に送信する選択部を有してもよい。 The value information system may include a selection unit that selects the type of the value information based on a first predetermined condition, and transmits information of the selected type of the value information to the reception unit.
　上記価値情報システムにおいて、前記付与部は、前記選択部で選択された前記価値情報の種類の情報を、前記支払いを行った第４ユーザに付与し、
　前記選択部は、前記第４ユーザから入力された情報に基づいて、前記価値情報の種類を選択してもよい。 In the value information system, the assigning unit assigns information of the type of the value information selected by the selecting unit to a fourth user who has made the payment,
The selection unit may select a type of the value information based on information input from the fourth user.
　上記価値情報システムにおいて、前記第３ユーザは、複数であって、前記選択部は、前記複数の第３ユーザのうち、第２の所定の条件に基づいて、少なくとも一つの第３ユーザを選択してもよい。 In the above-mentioned value information system, the number of the third users is a plurality, and the selection unit selects at least one third user from the plurality of the third users based on a second predetermined condition. You may.
　上記価値情報システムにおいて、前記付与部は、前記支払いを行った第４ユーザに前記残りの価値情報のうちの他の一部に相当する前記価値情報を付与してもよい。 In the value information system, the assigning unit may assign the value information corresponding to another part of the remaining value information to the fourth user who made the payment.
　上記価値情報システムにおいて、前記付与部は、前記受付部が前記価値情報を受け付けたときに、前記支払いを行った第４ユーザにメッセージ情報を付与してもよい。 In the above-mentioned value information system, the giving unit may give message information to the fourth user who made the payment when the receiving unit receives the value information.
　本発明によれば、価値情報の流通を促進するための技術を提供することができる。 According to the present invention, it is possible to provide a technology for promoting distribution of value information.
本発明の第１実施形態である価値情報システムの全体構成を示すブロック図である。It is a block diagram showing the whole composition of the value information system which is a 1st embodiment of the present invention. 本発明の第１実施形態の取引システムの機能構成を示すブロック図である。It is a block diagram showing the functional composition of the transaction system of a 1st embodiment of the present invention. 本発明の第１実施形態の取引システムのハードウェア構成を示すブロッ２ク図である。FIG. 2 is a block diagram illustrating a hardware configuration of the transaction system according to the first embodiment of the present invention. 本発明の第１実施形態のデータベースに記憶されるデータの構成を示す図である。FIG. 3 is a diagram illustrating a configuration of data stored in a database according to the first embodiment of the present invention. 本発明の第１実施形態の価値情報の発行および流通の一例を説明する図である。It is a figure explaining an example of issuance and distribution of value information of a 1st embodiment of the present invention. 本発明の第１実施形態の取引システムが、発行者から価値情報の発行が指示されたときの動作を示すフローチャートである。5 is a flowchart illustrating an operation of the transaction system according to the first embodiment of the present invention when an issuer issues an instruction to issue value information. 本発明の第１実施形態の取引システムによるデータベースの更新例を示す図である。It is a figure showing the example of updating of the database by the transaction system of a 1st embodiment of the present invention. 本発明の第１実施形態の取引システムが一般ユーザに対して価値情報を発行するときの動作を示すフローチャートである。It is a flowchart which shows operation | movement when the transaction system of 1st Embodiment of this invention issues value information with respect to a general user. 本発明の第１実施形態の取引システムによるデータベースの更新例を示す図である。It is a figure showing the example of updating of the database by the transaction system of a 1st embodiment of the present invention. 本発明の第１実施形態の一般ユーザが価値情報によって取引を行うときの取引システムの動作を示すフローチャートである。It is a flowchart which shows operation | movement of the transaction system when the general user of 1st Embodiment of this invention transacts with value information. 本発明の第１実施形態の発行者が価値情報を換金するときの動作を示すフローチャートである。It is a flowchart which shows the operation | movement when the issuer of 1st Embodiment of this invention cashes in value information. 本発明の第１実施形態の取引システムによるデータベースの更新例を示す図である。It is a figure showing the example of updating of the database by the transaction system of a 1st embodiment of the present invention. 本発明の第３実施形態の一般ユーザが価値情報によって取引を行うときの動作を示すフローチャートである。It is a flowchart which shows the operation | movement when the general user of 3rd Embodiment of this invention transacts with value information. 本発明の第３実施形態の取引システムが価値情報の発行を発行者から指示されたときの動作を示すフローチャートである。It is a flowchart which shows operation | movement when the transaction system of 3rd Embodiment of this invention instruct | indicates issuance of value information from an issuer. 本発明の第４実施形態の一般ユーザが価値情報によって取引を行うときの動作を示すフローチャートである。It is a flowchart which shows the operation | movement when the general user of 4th Embodiment of this invention transacts with value information. 本発明の第４実施形態の取引システムが価値情報の発行を発行者から指示されたときの動作を示すフローチャートである。It is a flowchart which shows the operation | movement when the transaction system of 4th Embodiment of this invention instruct | indicates issuing of value information from an issuer. 本発明の第６実施形態の価値情報システムの全体構成を示すブロック図である。It is a block diagram showing the whole composition of the value information system of a 6th embodiment of the present invention. 本発明の第６実施形態の取引システムの機能構成を示すを示すブロック図である。It is a block diagram showing the functional composition of the transaction system of a 6th embodiment of the present invention. 本発明の第６実施形態の一般ユーザが価値情報によって取引を行うときの動作を示すフローチャートである。It is a flowchart which shows the operation | movement when the general user of 6th Embodiment of this invention transacts with value information. 本発明の第６実施形態の価値情報の発行および流通について説明する図である。It is a figure explaining issuing and distribution of value information of a 6th embodiment of the present invention. 本発明の第７実施形態の取引システムが価値情報の発行を発行者から指示されたときの動作を示すフローチャートである。It is a flowchart which shows operation | movement when the transaction system of 7th Embodiment of this invention instruct | indicates issuance of value information from an issuer. 本発明の第９実施形態の取引システムの機能構成を示すブロック図である。It is a block diagram showing the functional composition of the transaction system of a 9th embodiment of the present invention. 本発明の第９実施形態の一般ユーザ端末の表示部に表示された決済システムの管理画面を示すユーザインタフェースの一例である。It is an example of the user interface which shows the management screen of the payment system displayed on the display part of the general user terminal of the ninth embodiment of the present invention.
　以下、本発明の一実施形態について、図面を参照しながら詳細に説明する。以下に示す実施形態は本発明の実施形態の一例であって、本発明はこれらの実施形態に限定されるものではない。なお、本実施形態で参照する図面において、同一部分又は同様な機能を有する部分には同一の符号又は類似の符号（数字の後にＡ、Ｂなどを付しただけの符号）を付し、その繰り返しの説明は省略する場合がある。 Hereinafter, an embodiment of the present invention will be described in detail with reference to the drawings. The embodiments described below are examples of the embodiments of the present invention, and the present invention is not limited to these embodiments. In the drawings referred to in the present embodiment, the same portions or portions having the same functions are denoted by the same reference numerals or similar reference numerals (reference numerals in which A, B, etc. are added after numerals). May be omitted.
［第１実施形態］
＜１．実施形態の構成＞
　図１は、本発明の第１実施形態に係る価値情報システム１の全体構成を示す図である。価値情報システム１は、複数の発行者端末１０（１０－１，・・・，１０－Ｍ）と、取引システム２０と、複数の一般ユーザ端末３０（３０－１，・・・，３０－Ｎ）と、複数の販売者端末４０（４０－１，・・・，４０－Ｌ）とを含む。Ｍ，Ｎ，Ｌは、それぞれ２以上の自然数である。複数の発行者端末１０、取引システム２０、複数の一般ユーザ端末３０、および複数の販売者端末４０の各々は、通信回線ＮＷと通信する。通信回線ＮＷは、公衆の通信回線（例えばインターネット）、ＬＡＮ（Ｌｏｃａｌ　Ａｒｅａ　Ｎｅｔｗｏｒｋ）、専用線またはその他の通信回線である。通信回線ＮＷを経由する通信は、有線、無線、または有線および無線の組み合わせのいずれの通信でもよい。 [First Embodiment]
<1. Configuration of Embodiment>
FIG. 1 is a diagram showing an entire configuration of a value information system 1 according to the first embodiment of the present invention. The value information system 1 includes a plurality of issuer terminals 10 (10-1,..., 10-M), a transaction system 20, and a plurality of general user terminals 30 (30-1,. ) And a plurality of seller terminals 40 (40-1,..., 40-L). M, N, and L are each a natural number of 2 or more. Each of the plurality of issuer terminals 10, the transaction system 20, the plurality of general user terminals 30, and the plurality of seller terminals 40 communicates with the communication line NW. The communication line NW is a public communication line (for example, the Internet), a LAN (Local Area Network), a dedicated line, or another communication line. The communication via the communication line NW may be any of wired, wireless, or a combination of wired and wireless.
　発行者端末１０は、発行者により使用される端末装置である。発行者は、価値情報の発行または管理を行うユーザ（第２ユーザ）である。発行者は、所定の取引での支払いに用いられるべき価値情報で、新たな種類の価値情報を発行することができる。発行者は、例えば、法人（例えば、企業）、自然人（例えば、有名人）、または自治体（例えば、地方公共団体）であるが、これらに限られない。価値情報は、金銭価値を有する電子データである。価値情報は、仮想通貨としても機能することができ、特定の条件下で、国家が発行する通貨（以下、単に「通貨」という。）に代えて決済に用いることができる。価値情報のデータの形式は問わない。価値情報は、例えば、アルファベット、数字、記号またはこれらの２以上の組み合わせからなる文字列で表されてもよい。この場合、価値情報はトークンであってもよい。価値情報は、ブロックチェーン技術を用いて、管理および運用されてもよい。価値情報は、電子マネー、ポイントまたは電子クーポンに相当する金銭価値を有してもよい。 The issuer terminal 10 is a terminal device used by the issuer. The issuer is a user (second user) who issues or manages value information. The issuer can issue a new type of value information with the value information to be used for payment in a given transaction. The issuer is, for example, but not limited to, a legal entity (eg, a company), a natural person (eg, a celebrity), or a local government (eg, a local government). The value information is electronic data having a monetary value. The value information can also function as a virtual currency, and under certain conditions, can be used for settlement instead of currency issued by the state (hereinafter simply referred to as “currency”). The format of the value information data does not matter. The value information may be represented by, for example, a character string including an alphabet, a number, a symbol, or a combination of two or more of them. In this case, the value information may be a token. Value information may be managed and operated using blockchain technology. The value information may have a monetary value corresponding to electronic money, points or electronic coupons.
　以下、発行者端末１０－ｉ（ただし、１≦ｉ≦Ｍ）が発行する価値情報を、「価値情報Ｖ－ｉ」と表す。発行者端末１０－ｉを使用する発行者を、「発行者Ｐ－ｉ」と表す。複数の発行者端末の各々は、互いに異なる種類の価値情報の発行者である。本実施形態では、取引における支払いに利用することができる価値情報の種類が制限されている。すなわち、価値情報の種類によって、その価値情報が価値を発生させる条件が異なる。例えば、特定の取引においては、価値情報Ｖ－１によって支払いをすることができるが、価値情報Ｖ－２～Ｖ－Ｍによって支払いをすることができない。別の取引においては、価値情報Ｖ－２によって支払いをすることができるが、価値情報Ｖ－１，Ｖ－３～Ｖ－Ｍによって支払いをすることができない。本実施形態の取引は、商品またはサービスの販売に係るもので、商品またはサービスの譲渡に対する対価の支払いを伴う。本実施形態の取引は、第三者に無償で価値情報を譲渡すること（例えば、寄付行為）を含んでもよい。また、本実施形態の取引は、第三者から価値情報を借りることを含んでもよい。 Hereinafter, the value information issued by the issuer terminal 10-i (where 1 ≦ i ≦ M) is referred to as “value information Vi”. The issuer using the issuer terminal 10-i is represented as "issuer Pi". Each of the plurality of issuer terminals is an issuer of different types of value information. In the present embodiment, the types of value information that can be used for payment in transactions are limited. That is, the conditions under which the value information generates a value differ depending on the type of the value information. For example, in a particular transaction, payment can be made with the value information V-1, but payment cannot be made with the value information V-2 to VM. In another transaction, payment can be made using the value information V-2, but payment cannot be made using the value information V-1, V-3 to VM. The transaction according to the present embodiment relates to the sale of a product or service, and involves paying for the transfer of the product or service. The transaction of the present embodiment may include transferring value information to a third party without charge (for example, a donation act). Further, the transaction of the present embodiment may include borrowing value information from a third party.
　取引システム２０は、発行者からの指示に応じて価値情報の発行および管理を行うシステムである。価値情報の管理は、例えば、価値情報の発行、通貨と価値情報との交換、および異なる種類の価値情報同士の交換を含む。交換は、典型的には等価交換である。 The transaction system 20 is a system that issues and manages value information according to instructions from the issuer. The management of the value information includes, for example, issuance of value information, exchange of currency and value information, and exchange of different types of value information. The exchange is typically an equivalent exchange.
　一般ユーザ端末３０は、一般ユーザ(第４ユーザ）により使用される端末装置である。一般ユーザは、取引システム２０により発行された価値情報を用いて、商品またはサービスの販売者と取引を行うユーザである。一般ユーザ端末３０－ｊを使用する一般ユーザを、「一般ユーザＵ－ｊ」と表す The general user terminal 30 is a terminal device used by a general user (fourth user). The general user is a user who makes a transaction with a seller of a product or service using the value information issued by the transaction system 20. A general user using the general user terminal 30-j is represented as "general user Uj".
　販売者端末４０は、商品またはサービスの販売者により使用される端末装置である。販売者は、少なくともいずれかの種類の価値情報を用いて、一般ユーザと取引を行うユーザ（第１ユーザ）である。本実施形態では、販売者端末４０－ｋを使用する販売者を、「販売者Ｔ－ｋ」と表す。販売者端末４０は、例えば、実店舗に設置されるＰＯＳ端末または仮想店舗（例えば、ＥＣサイト）を運営するサーバ装置である。販売者端末４０は、価値情報により支払いを受け付ける機能を有してもよい。 The seller terminal 40 is a terminal device used by a seller of a product or service. The seller is a user (first user) who makes a transaction with a general user using at least one type of value information. In the present embodiment, the seller using the seller terminal 40-k is represented as “seller Tk”. The seller terminal 40 is, for example, a server device that operates a POS terminal installed in a real store or a virtual store (for example, an EC site). The seller terminal 40 may have a function of receiving payment based on the value information.
　図２は、取引システム２０の機能構成を示すブロック図である。取引システム２０は、指示受信部２０１と、データベース２０２と、要求受信部２０３と、生成部２０４と、送信部２０５と、受付部２０６と、第１付与部２０７と、価値情報受信部２０８と、第２付与部２０９とを含む。 FIG. 2 is a block diagram showing a functional configuration of the transaction system 20. The transaction system 20 includes an instruction receiving unit 201, a database 202, a request receiving unit 203, a generating unit 204, a transmitting unit 205, a receiving unit 206, a first granting unit 207, a value information receiving unit 208, And a second giving unit 209.
　指示受信部２０１は、発行者端末１０から発行指示を受信する。発行指示は、所定の取引での支払いに用いられるべき価値情報を発行する指示である。発行指示は、当該種類の価値情報の生成を許可する条件を少なくとも含む指示を含む。また、発行指示は、既存の種類の価値情報についての発行の指示を含む場合もある。指示受信部２０１は、受信した発行指示に応じて、データベース２０２を更新する。 (4) The instruction receiving unit 201 receives an issue instruction from the issuer terminal 10. The issuance instruction is an instruction for issuing value information to be used for payment in a predetermined transaction. The issuance instruction includes an instruction including at least a condition for permitting generation of the type of value information. The issuance instruction may also include an issuance instruction for an existing type of value information. The instruction receiving unit 201 updates the database 202 according to the received issuing instruction.
　要求受信部２０３は、一般ユーザ端末３０から交換要求を受信する。交換要求は、一般ユーザが支払う通貨と価値情報との交換、または一般ユーザが支払う種類の価値情報とそれ以外の種類の価値情報との交換を要求することを含む。 (4) The request receiving unit 203 receives an exchange request from the general user terminal 30. The exchange request includes requesting exchange of currency and value information paid by a general user, or exchange of value information of a type paid by a general user with other types of value information.
　生成部２０４は、要求受信部２０３が交換要求を受信した場合において、発行指示に含まれる条件にしたがって交換をすることができるときは、一般ユーザに対して価値情報を生成する。この価値情報は、一般ユーザへ付与されるべき価値情報である。 When the request receiving unit 203 receives the exchange request, the generating unit 204 generates value information for a general user when the request can be exchanged according to the conditions included in the issuance instruction. This value information is value information to be given to general users.
　送信部２０５は、要求受信部２０３が受信した交換要求に基づいて、生成部２０４が生成した価値情報を一般ユーザ端末３０へ送信する。 The transmission unit 205 transmits the value information generated by the generation unit 204 to the general user terminal 30 based on the exchange request received by the request reception unit 203.
　受付部２０６は、価値情報による支払いを受け付ける。この支払は、取引の相手、例えば商品またはサービスの販売者に対する支払いである。 (4) The accepting unit 206 accepts payment based on the value information. This payment is a payment to the counterparty of the transaction, for example, the seller of the goods or services.
　第１付与部２０７は、送信部２０５が送信した価値情報が支払いに用いられた場合には、支払われた価値情報の少なくとも一部に応じた金銭価値を、その価値情報の発行者へ付与する。本実施形態では、第１付与部２０７は、受付部２０６により価値情報による支払いが受け付けられた場合に、支払われた価値情報のうちの一部に相当する価値情報を、その価値情報の発行者へ付与する。 When the value information transmitted by the transmitting unit 205 is used for payment, the first assigning unit 207 assigns a monetary value corresponding to at least a part of the paid value information to an issuer of the value information. . In this embodiment, when the payment by the value information is received by the receiving unit 206, the first granting unit 207 changes the value information corresponding to a part of the paid value information to the issuer of the value information. To.
　価値情報受信部２０８は、発行者端末１０から価値情報を受信する。この価値情報は、第１付与部２０７により発行者へ付与された価値情報である。 (4) The value information receiving unit 208 receives the value information from the issuer terminal 10. This value information is value information assigned to the issuer by the first assigning unit 207.
　第２付与部２０９は、価値情報受信部２０８が受信した価値情報に応じた金銭価値を、発行者端末１０へ付与する。 The second assigning unit 209 assigns a monetary value corresponding to the value information received by the value information receiving unit 208 to the issuer terminal 10.
　取引システム２０は、交換所システム２１０と、決済システム２２０とに大別される。交換所システム２１０は、価値情報の交換に係る機能を有し、指示受信部２０１と、データベース２０２と、要求受信部２０３と、生成部２０４と、送信部２０５と、価値情報受信部２０８と、第２付与部２０９とを含む。決済システム２２０は、価値情報による取引に係る機能を有し、受付部２０６と、第１付与部２０７とを含む。交換所システム２１０と、決済システム２２０とは、物理的（ハードウェア的）に分離されていてもよいし、一体とされてもよい。以下では、交換所システム２１０と、決済システム２２０とが物理的に一体である場合を説明する。 The transaction system 20 is roughly divided into an exchange system 210 and a settlement system 220. The exchange system 210 has a function related to exchange of license information, and includes an instruction receiving unit 201, a database 202, a request receiving unit 203, a generating unit 204, a transmitting unit 205, a license information receiving unit 208, And a second giving unit 209. The settlement system 220 has a function related to a transaction based on value information, and includes a receiving unit 206 and a first granting unit 207. The exchange system 210 and the settlement system 220 may be physically (hardware) separated or may be integrated. Hereinafter, a case where the exchange system 210 and the settlement system 220 are physically integrated will be described.
　図３は、取引システム２０のハードウェア構成を示すブロック図である。取引システム２０は、制御部２１と、第１通信部２２と、第２通信部２３と、記憶部２４と、を含む。制御部２１は、取引システム２０の各部を制御する。制御部２１は、例えば、演算処理回路２１１と、メモリ２１２とを含む。演算処理回路２１１は、例えば、ＣＰＵ（Ｃｅｎｔｒａｌ　Ｐｒｏｃｅｓｓｉｎｇ　Ｕｎｉｔ）、ＡＳＩＣ（Ａｐｐｌｉｃａｔｉｏｎ　Ｓｐｅｃｉｆｉｃ　Ｉｎｔｅｇｒａｔｅｄ　Ｃｉｒｃｕｉｔ）、ＦＰＧＡ（Ｆｉｅｌｄ－Ｐｒｏｇｒａｍｍａｂｌｅ　Ｇａｔｅ　Ａｒｒａｙ）、またはその他の演算処理回路を含む。メモリ２１２は、演算処理回路２１１が演算処理に係るデータを一時的に記憶するために用いられる。メモリ２１２は、例えば、ＲＡＭ（Ｒａｎｄｏｍ　Ａｃｃｅｓｓ　Ｍｅｍｏｒｙ）またはその他の揮発性のメモリを含む。 FIG. 3 is a block diagram showing a hardware configuration of the transaction system 20. Transaction system 20 includes a control unit 21, a first communication unit 22, a second communication unit 23, and a storage unit 24. The control unit 21 controls each unit of the transaction system 20. The control unit 21 includes, for example, an arithmetic processing circuit 211 and a memory 212. The arithmetic processing circuit 211 includes, for example, a CPU (Central Processing Unit), an ASIC (Application Specific Integrated Circuit), an FPGA (Field-Programmable Gate Array), or another arithmetic processing circuit. The memory 212 is used by the arithmetic processing circuit 211 to temporarily store data related to arithmetic processing. The memory 212 includes, for example, a RAM (Random Access Memory) or other volatile memory.
　第１通信部２２は、複数の発行者端末１０の各々と通信する。第２通信部２３は、複数の一般ユーザ端末３０の各々と通信する。第１通信部２２および第２通信部２３は、それぞれ通信回線ＮＷと通信するための通信回路を含む。 The first communication unit 22 communicates with each of the plurality of issuer terminals 10. The second communication unit 23 communicates with each of the plurality of general user terminals 30. The first communication unit 22 and the second communication unit 23 each include a communication circuit for communicating with the communication line NW.
　記憶部２４は、データを記憶する。記憶部２４は、例えば、プログラム２４１を記憶する。プログラム２４１は、制御部２１に図２で説明した各機能を実現させるためのプログラムである。記憶部２４は、データを永続的に記憶する記憶媒体を含んでもよい。記憶部２４は、例えば、光学式記録媒体、磁気記録媒体、及び半導体記録媒体、またはその他の記録媒体を含む。 The storage unit 24 stores data. The storage unit 24 stores, for example, a program 241. The program 241 is a program for causing the control unit 21 to realize each function described in FIG. The storage unit 24 may include a storage medium that stores data permanently. The storage unit 24 includes, for example, an optical recording medium, a magnetic recording medium, a semiconductor recording medium, or another recording medium.
　図２で説明した指示受信部２０１、第１付与部２０７、価値情報受信部２０８、第２付与部２０９は、制御部２１および第１通信部２２の協働により実現される。要求受信部２０３、送信部２０５、および受付部２０６は、制御部２１および第２通信部２３の協働により実現される。生成部２０４は、制御部２１により実現される。データベース２０２は、記憶部２４により実現される。 The instruction receiving unit 201, the first giving unit 207, the value information receiving unit 208, and the second giving unit 209 described in FIG. 2 are realized by the cooperation of the control unit 21 and the first communication unit 22. The request receiving unit 203, the transmitting unit 205, and the receiving unit 206 are realized by cooperation of the control unit 21 and the second communication unit 23. The generation unit 204 is realized by the control unit 21. The database 202 is realized by the storage unit 24.
　複数の発行者端末１０および複数の一般ユーザ端末３０は、任意の形態のコンピュータ装置であってよい。複数の発行者端末１０は、価値情報の発行を取引システム２０に指示するためのプログラムがインストールされたコンピュータ装置である。複数の一般ユーザ端末３０は、価値情報を用いた取引を実行するためのプログラムがインストールされたコンピュータ装置である。発行者端末１０は、例えばパーソナル・コンピュータである。一般ユーザ端末３０は、例えばパーソナル・コンピュータであるが、スマートフォン、タブレット型コンピュータ等の移動通信端末であってもよい。 The plurality of issuer terminals 10 and the plurality of general user terminals 30 may be any type of computer device. The plurality of issuer terminals 10 are computer devices in which a program for instructing the transaction system 20 to issue value information is installed. The plurality of general user terminals 30 are computer devices in which a program for executing a transaction using the value information is installed. Issuer terminal 10 is, for example, a personal computer. The general user terminal 30 is, for example, a personal computer, but may be a mobile communication terminal such as a smartphone or a tablet computer.
　図４は、データベース２０２に記憶されるデータの構成の一例を示す図である。データベース２０２は、例えば、発行管理テーブル２０２２と、保有状況管理テーブル２０２４とを記憶する。 FIG. 4 is a diagram showing an example of the configuration of data stored in the database 202. The database 202 stores, for example, an issuance management table 2022 and a possession status management table 2024.
　発行管理テーブル２０２２は、価値情報の種類ごとに、「発行者ＩＤ」と、「価値ＩＤ」と、「発行可否」と、「総流通量」と、「流通済み量」と、「レート」とで表される各情報を対応付けたテーブルである。「発行者ＩＤ」は、その価値情報を発行する発行者を識別する識別子である。本実施形態では、発行者Ｐ－ｉの発行者ＩＤを、「Ｐ－ｉ」と表す。「価値ＩＤ」は、その価値情報の種類を識別する識別子である。本実施形態では、価値情報Ｖ－ｉの価値ＩＤを、「Ｖ－ｉ」と表す。「発行可否」は、その価値情報の発行の可否を示す。発行可否が「ＯＫ」の場合は、その価値情報の発行が許可されるが、発行可否が「ＮＧ」の場合はその発行が禁止されている。「総流通量」は、価値情報の流通量を制限するための条件を規定する。総流通量は、同時に流通することを許可する価値情報の最大の量を示す。本実施形態では、総流通量は、価値情報の１単位を「ＶＡＬ」で表したときの単位の値によって特定される。価値情報が仮想的な価値情報である場合、「ＶＡＬ」はその価値情報の枚数に相当する単位である。「流通済み量」は、現在流通している価値情報の量を示す。「レート」は、価値情報と通貨との交換レートを示す。図４の例では、価値情報「Ｖ－１」は、１単位（１ＶＡＬ）の価値情報と、１００ＪＰＹ（日本円）の通貨とが交換されることを意味する。ここでは、通貨の単位を日本円としているが、ドル、ユーロその他の単位であってもよい。 The issue management table 2022 includes, for each type of value information, “issuer ID”, “value ID”, “issuance”, “total circulation amount”, “distributed amount”, and “rate”. Is a table that associates each information represented by. “Issuer ID” is an identifier for identifying an issuer that issues the value information. In the present embodiment, the issuer ID of the issuer Pi is represented as “Pi”. “Value ID” is an identifier for identifying the type of the value information. In the present embodiment, the value ID of the value information Vi is represented as “Vi”. “Issuable” indicates whether or not the value information can be issued. If the issuance is "OK", the issuance of the value information is permitted, but if the issuance is "NG", the issuance is prohibited. The “total circulation amount” defines a condition for limiting the circulation amount of the value information. The total circulation amount indicates the maximum amount of value information permitted to be distributed at the same time. In the present embodiment, the total circulation amount is specified by a value of a unit when one unit of the value information is represented by “VAL”. When the value information is virtual value information, “VAL” is a unit corresponding to the number of the value information. The “distributed amount” indicates the amount of value information currently distributed. “Rate” indicates the exchange rate between the value information and the currency. In the example of FIG. 4, the value information "V-1" means that one unit (1 VAL) of the value information is exchanged with a currency of 100 JPY (Japanese yen). Here, the unit of currency is Japanese yen, but dollars, euros and other units may be used.
　保有状況管理テーブル２０２４は、複数の一般ユーザＵ－ｊの各々について、価値情報の保有状況を管理するテーブルである。保有状況管理テーブル２０２４は、一般ユーザごとに、「一般ユーザＩＤ」と、「価値ＩＤ」と、「保有状況」とで表される各情報を対応付けたテーブルである。「一般ユーザＩＤ」は、一般ユーザを識別する識別子である。本実施形態では、一般ユーザＵ－ｊの一般ユーザＩＤを、「Ｕ－ｊ」と表す。価値ＩＤは、上述した価値ＩＤと同じである。「保有状況」は、一般ユーザによる価値情報の保有の状況を示す情報である。保有状況は、例えば、各種類の価値情報の保有の有無、および保有している価値情報の量を特定する情報を含む。価値情報が上述した文字列で表される場合は、その文字列が保有状況に含まれてもよい。なお、保有状況管理テーブル２０２４は、取引システム２０に記憶されていなくてもよい。例えば、価値情報がブロックチェーン技術を用いて管理される場合は、他の装置に保有状況が記憶される場合もある。 The holding status management table 2024 is a table for managing the holding status of the value information for each of the plurality of general users Uj. The holding status management table 2024 is a table in which information represented by “general user ID”, “value ID”, and “holding status” is associated with each general user. “General user ID” is an identifier for identifying a general user. In the present embodiment, the general user ID of the general user Uj is represented as “Uj”. The value ID is the same as the value ID described above. “Retention status” is information indicating the status of possession of value information by general users. The holding status includes, for example, information for specifying whether each type of value information is held and the amount of the held value information. When the value information is represented by the above-described character string, the character string may be included in the possession status. Note that the holding status management table 2024 may not be stored in the transaction system 20. For example, when the value information is managed using the blockchain technology, the possession status may be stored in another device.
　＜２．実施形態の動作＞
　次に、本実施形態の動作を説明する。図５は、価値情報システム１における価値情報の発行および流通の一例を説明する図である。価値情報システム１の動作は、以下の４つの動作に大別される。
（Ｉ）発行者が取引システム２０に価値情報の発行を指示すること。
（ＩＩ）取引システム２０が一般ユーザに対して価値情報を発行すること。
（ＩＩＩ）一般ユーザが価値情報によって取引を行うこと。
（ＩＶ）発行者が価値情報を換金すること。 <2. Operation of Embodiment>
Next, the operation of the present embodiment will be described. FIG. 5 is a diagram illustrating an example of issuing and distributing value information in the value information system 1. The operation of the value information system 1 is roughly divided into the following four operations.
(I) The issuer instructs the transaction system 20 to issue value information.
(II) The transaction system 20 issues value information to general users.
(III) A general user transacts with value information.
(IV) The issuer redeems the value information.
　図５には、発行者Ｐ－１が価値情報Ｖ－１の発行者で、一般ユーザＵ－１がこの価値情報Ｖ－１により取引を行う場合が示されている。図５の破線の矢印は、価値情報の発行の指示が行われる方向を意味し、実線の矢印は、価値情報の流通経路を意味する。図５には、（ＩＩＩ）に関し、（ＩＩＩ）（ａ）、および（ＩＩＩ）（ｂ）の２つの価値情報の流通経路が示されているが、どちらか一方の流通経路で価値情報が流通する。以下、（Ｉ）～（ＩＶ）の各動作の詳細を、具体例を挙げながら説明する。 FIG. 5 shows a case where the issuer P-1 is the issuer of the value information V-1, and the general user U-1 conducts a transaction based on the value information V-1. The dashed arrow in FIG. 5 indicates the direction in which the issuance of the value information is instructed, and the solid arrow indicates the distribution route of the value information. FIG. 5 shows two distribution channels of the value information (III) (a) and (III) (b) with respect to (III), and the value information is distributed through one of the distribution channels. I do. Hereinafter, the details of each of the operations (I) to (IV) will be described with reference to specific examples.
　（Ｉ）発行者が取引システム２０に価値情報の発行を指示すること。
　図６は、取引システム２０が、発行者から価値情報の発行が指示されたときの動作を示すフローチャートである。 (I) The issuer instructs the transaction system 20 to issue value information.
FIG. 6 is a flowchart showing an operation of the transaction system 20 when an issuer issues an instruction to issue value information.
　取引システム２０において、指示受信部２０１は、発行者端末１０から価値情報の発行指示を受信する（ステップＳ１１）。発行指示は、価値情報の発行を指示するデータである。発行指示は、ここでは、所定の取引での支払いに用いられるべき新たな種類の価値情報を発行しようとする場合に、発行者端末１０が発行者Ｐ－ｉの指示に応じて送信する指示である。発行指示は、価値情報の生成を許可する条件（第１条件）を少なくとも含む。本実施形態では、図４で説明した価値情報の発行可否、総流通量、およびレートが含まれる。 In the transaction system 20, the instruction receiving unit 201 receives an instruction to issue value information from the issuer terminal 10 (step S11). The issuance instruction is data for instructing issuance of value information. Here, the issuance instruction is an instruction transmitted by the issuer terminal 10 in accordance with the instruction of the issuer Pi when an attempt is made to issue a new type of value information to be used for payment in a predetermined transaction. is there. The issuance instruction includes at least a condition (first condition) for permitting generation of the value information. In the present embodiment, the availability of the value information, the total circulation amount, and the rate described with reference to FIG. 4 are included.
　指示受信部２０１は、発行指示に基づいて、データベース２０２を更新する（ステップＳ１２）。指示受信部２０１は、新たな種類（第１種類）の価値情報Ｖ－１を生成する場合、図７に示すレコードを、発行管理テーブル２０２２に追加する。価値情報「Ｖ－１」の生成を指示する場合、指示受信部２０１は、発行者ＩＤ「Ｐ－１」と、価値ＩＤ「Ｖ－１」と、発行可否「ＯＫ」と、総流通量「１００００」と、流通済み量「０」と、レート「１００ＪＰＹ／ＶＡＬ」とを対応付けて、発行管理テーブル２０２２に追加する。これらの情報は、発行者Ｐ－１により設定されてよい。 (4) The instruction receiving unit 201 updates the database 202 based on the issuance instruction (step S12). When generating a new type (first type) of value information V-1, the instruction receiving unit 201 adds the record shown in FIG. 7 to the issue management table 2022. When instructing the generation of the value information “V-1”, the instruction receiving unit 201 sets the issuer ID “P-1”, the value ID “V-1”, the issuance “OK”, and the total circulation amount “ "10000", the distributed amount "0", and the rate "100JPY / VAL" are added to the issue management table 2022 in association with each other. These pieces of information may be set by the publisher P-1.
　生成部２０４は、指示受信部２０１が価値情報の発行が指示された場合であっても、その段階では、価値情報を生成しない。そのため、取引システム２０においては、価値情報の発行が指示されただけでは価値情報の在庫を保有しない。 Even if the instruction receiving unit 201 is instructed to issue the value information, the generation unit 204 does not generate the value information at that stage. For this reason, the transaction system 20 does not hold the inventory of the value information just by instructing the issuance of the value information.
　指示受信部２０１は、他の種類（第２種類）の価値情報の生成が指示された場合も、ステップＳ１１，Ｓ１２の処理を実行する。例えば、発行者Ｐ－２（第３ユーザ）から価値情報「Ｖ－２」の発行が指示された場合、指示受信部２０１は、発行者端末１０－２から価値情報の生成を許可する第２条件を少なくとも含む発行指示を受信する（ステップＳ１１）。指示受信部２０１は、発行者ＩＤ「Ｐ－２」および価値ＩＤ「Ｖ－２」を含むレコードを作成して、発行管理テーブル２０２２に追加する。 The instruction receiving unit 201 also executes the processing of steps S11 and S12 even when an instruction to generate another type (second type) of value information is issued. For example, when the issuer P-2 (third user) instructs issuance of the value information “V-2”, the instruction receiving unit 201 allows the issuer terminal 10-2 to generate the value information. An issuance instruction including at least a condition is received (step S11). The instruction receiving unit 201 creates a record including the issuer ID “P-2” and the value ID “V-2”, and adds the record to the issue management table 2022.
　なお、指示受信部２０１は、新たな種類の価値情報の発行以外のタイミングで、発行指示を受信する場合もある。例えば、発行者が、既存の種類の価値情報について、発行可否、総流通量およびレートの１つ以上を変更したい場合、発行者端末１０はその変更をするための発行指示を、取引システム２０へ送信する。 Note that the instruction receiving unit 201 may receive the issuance instruction at a timing other than the issuance of the new type of value information. For example, when the issuer wishes to change one or more of the issuance / non-issuance, the total circulation amount, and the rate for the existing type of value information, the issuer terminal 10 issues an issuance instruction for the change to the transaction system 20 Send.
　（ＩＩ）取引システム２０が一般ユーザに対して価値情報を発行すること。
　図８は、取引システム２０が一般ユーザに対して価値情報を発行するときの動作を示すフローチャートである。 (II) The transaction system 20 issues value information to general users.
FIG. 8 is a flowchart showing an operation when the transaction system 20 issues value information to a general user.
　要求受信部２０３は、一般ユーザ端末３０から交換要求を受信するまで待機する。そして、要求受信部２０３は、一般ユーザ端末３０から交換要求を受信する（ステップＳ２１）。ここでの交換要求は、価値情報Ｖ－１と、一般ユーザＵ１が支払う通貨との交換の要求を示す第１交換要求である。交換要求は、例えば、一般ユーザが入手しようとする価値情報の種類を特定する情報（例えば、価値ＩＤ）を含む。要求受信部２０３は、発行者端末１０を経由することなく、一般ユーザ端末３０から交換要求を受信する。 (4) The request receiving unit 203 waits until an exchange request is received from the general user terminal 30. Then, the request receiving unit 203 receives the exchange request from the general user terminal 30 (Step S21). The exchange request here is a first exchange request indicating a request for exchange between the value information V-1 and the currency paid by the general user U1. The exchange request includes, for example, information (for example, a value ID) that specifies the type of value information that a general user intends to obtain. The request receiving unit 203 receives an exchange request from the general user terminal 30 without passing through the issuer terminal 10.
　要求受信部２０３は、交換要求を受信したと判定したことを、生成部２０４に通知する。生成部２０４は、交換要求が受信された場合、その交換要求に応じて交換すべき価値情報の生成の可否を判定する（ステップＳ２２）。生成部２０４は、発行管理テーブル２０２２において、交換すべき価値情報の価値ＩＤに対応付けられた発行可否を参照する。生成部２０４は、交換すべき価値情報の流通済み量が総流通量よりも少なく、かつ発行可否が「ＯＫ」である場合に、生成を許可すると判定する。一方、生成部２０４は、交換すべき価値情報の流通済み量が総流通量に達している場合、または発行可否が「ＮＧ」である場合には、生成を不許可とすると判定する。交換要求に応じて価値情報を発行した結果、その価値情報の流通済み量が総流通量を超える場合も、生成部２０４は生成を不許可と判定する。 (4) The request receiving unit 203 notifies the generating unit 204 that it has determined that the exchange request has been received. When the exchange request is received, the generation unit 204 determines whether to generate value information to be exchanged according to the exchange request (step S22). The generation unit 204 refers to the issuance management table 2022 to determine whether or not issuance is associated with the value ID of the value information to be exchanged. The generation unit 204 determines that generation is permitted when the circulation amount of the value information to be exchanged is smaller than the total circulation amount and whether or not the issuance is “OK”. On the other hand, when the circulation amount of the value information to be exchanged has reached the total circulation amount, or when the issuance is “NG”, the generation unit 204 determines that the generation is not permitted. When the value information is issued in response to the exchange request and the distribution amount of the value information exceeds the total distribution amount, the generation unit 204 determines that the generation is not permitted.
　生成部２０４は、生成を許可する場合には（ステップＳ２３；ＹＥＳ）、一般ユーザに対して、交換要求に応じて交換すべき価値情報を生成する（ステップＳ２４）。ここで、交換要求により１０ＶＡＬに相当する価値情報との交換が要求されたとする。この場合、生成部２０４は、発行管理テーブル２０２２で指定されたレートに基づいて、１０００ＪＰＹの入金が確認されたことを条件として、１０ＶＡＬに相当する価値情報を生成する。生成部２０４は、発行管理テーブル２０２２の価値ＩＤ「Ｖ－１」に対応する流通済み量に、「１０」を加算する。これにより、発行管理テーブル２０２２は、図９に示す構成に更新される。また、生成部２０４は、保有状況管理テーブル２０２４を更新して、一般ユーザに価値情報を付与する処理を行う。ここでは、生成部２０４は、保有状況管理テーブル２０２４の一般ユーザＩＤ「Ｕ－１」および価値ＩＤ「Ｖ－１」に対応付けられた保有状況を更新する。 When the generation is permitted (step S23; YES), the generation unit 204 generates value information to be exchanged for a general user in response to the exchange request (step S24). Here, it is assumed that an exchange request requests exchange with value information corresponding to 10 VAL. In this case, the generation unit 204 generates value information corresponding to 10 VAL based on the rate specified in the issuance management table 2022, provided that payment of 1000 JPY has been confirmed. The generation unit 204 adds “10” to the circulation amount corresponding to the value ID “V−1” in the issue management table 2022. As a result, the issue management table 2022 is updated to the configuration shown in FIG. In addition, the generation unit 204 updates the holding status management table 2024 and performs a process of giving value information to general users. Here, the generation unit 204 updates the holding status associated with the general user ID “U-1” and the value ID “V-1” in the holding status management table 2024.
　そして、送信部２０５は、生成部２０４が生成した価値情報を、一般ユーザ端末３０へ送信する（ステップＳ２５）。一般ユーザ端末３０は、生成された価値情報を受信し、これを記憶する。ここでは、送信部２０５は、１０ＶＡＬに相当する価値情報Ｖ－１を、一般ユーザ端末３０－１へ送信する。 Then, the transmitting unit 205 transmits the value information generated by the generating unit 204 to the general user terminal 30 (Step S25). The general user terminal 30 receives the generated value information and stores it. Here, the transmitting unit 205 transmits the value information V-1 corresponding to 10VAL to the general user terminal 30-1.
　価値情報の生成を不許可とする場合には（ステップＳ２３；ＮＯ）、生成部２０４は価値情報の生成をしない。この場合、送信部２０５は、エラー処理を行う（ステップＳ２６）。例えば、送信部２０５は、価値情報の生成が不許可である旨を示すエラーメッセージを、一般ユーザ端末３０へ送信する。送信部２０５は、例えば、流通済み量が総流通量に達している場合は、エラー処理を行う。また、相場変動を抑えることなどの目的で、発行者により新たな価値情報の生成を禁止するため、発行可否が「ＮＧ」の場合も、送信部２０５は、エラー処理を行う。 If the generation of the value information is not permitted (step S23; NO), the generation unit 204 does not generate the value information. In this case, the transmission unit 205 performs an error process (Step S26). For example, the transmitting unit 205 transmits to the general user terminal 30 an error message indicating that the generation of the license information is not permitted. The transmission unit 205 performs an error process, for example, when the distribution amount has reached the total distribution amount. In addition, the transmission unit 205 performs error processing even when the issuance is “NG” in order to prohibit the issuer from generating new value information for the purpose of suppressing market fluctuations and the like.
　以上のとおり、取引システム２０は、価値情報の発行指示を受信した場合において、交換要求を受信し、かつ価値情報の生成が可能であるときには価値情報を生成する。よって、取引システム２０が価値情報を在庫に有している場合に比べて、価値情報の盗難や不正使用、および投機による発行者の意図しない相場変動の恐れは小さくなる。 As described above, when receiving the instruction to issue the value information, the transaction system 20 receives the exchange request and generates the value information when the value information can be generated. Therefore, compared to the case where the transaction system 20 has the value information in the stock, the risk of theft or unauthorized use of the value information and the unintended market fluctuation of the issuer due to speculation are reduced.
　要求受信部２０３、生成部２０４および送信部２０５は、他の種類（第２種類）の価値情報の生成が指示された場合も、ステップＳ２１～Ｓ２６の処理を実行する。すなわち、要求受信部２０３は、一般ユーザ端末３０から、価値情報Ｖ－２とその一般ユーザが有する通貨との第２交換要求を受信する。この場合、生成部２０４は、この第２交換要求を受信した場合において、第２条件にしたがって交換をすることができるときは、その一般ユーザに対して、その通貨に応じた価値情報Ｖ－２を生成する。 The request receiving unit 203, the generating unit 204, and the transmitting unit 205 also execute the processing of steps S21 to S26 when an instruction to generate another type (second type) of value information is issued. That is, the request receiving unit 203 receives, from the general user terminal 30, a second exchange request between the value information V-2 and the currency possessed by the general user. In this case, when the second exchange request is received, when the generation unit 204 can exchange according to the second condition, the generation unit 204 gives the general user value information V-2 corresponding to the currency. Generate
　（ＩＩＩ）一般ユーザが価値情報によって取引を行うこと。
　図１０は、一般ユーザが価値情報によって取引を行うときの取引システム２０の動作を示すフローチャートである。以下、一般ユーザＵ－１が販売者Ｔ－１またはＴ－２から商品を購入する場合の動作を説明する。商品は、特定の価値情報を支払いに用いることによって購入することができる商品（いわゆる、限定商品）である。商品は、発行者がアイドル歌手や芸能人である場合は、その発行者のイベントに参加するためのチケットであってもよい。商品は、発行者が作家または漫画家である場合は、その発行者の製作した書籍またはコミックであってもよい。 (III) A general user transacts with value information.
FIG. 10 is a flowchart showing the operation of the transaction system 20 when a general user transacts with value information. The operation when the general user U-1 purchases a product from the seller T-1 or T-2 will be described below. The product is a product that can be purchased by using specific value information for payment (a so-called limited product). If the publisher is an idol singer or entertainer, the product may be a ticket for participating in the publisher's event. The product may be a book or comic produced by the publisher if the publisher is a writer or cartoonist.
　受付部２０６は、一般ユーザ端末３０から、価値情報による支払いを受け付けるまで待機する。そして、受付部２０６は、一般ユーザ端末３０から、価値情報による支払いを受け付ける（ステップＳ３１）。ここでは、支払いは、所定の取引を行うための対価（すなわち、商品の購入額）である第１価格に所定の第２価格を加えた第３価格に相当する価格により行われる。例えば、商品の価格（第１価格）が４ＶＡＬ、追加価格（第２価格）が１ＶＡＬである場合、一般ユーザは、５ＶＡＬ（第３価格）に相当する価値情報により支払を行う。商品の価格と追加価格との関係は一例であり、他の関係（例えば、追加価格を取引の価格の１％とする。）であってもよい。 (4) The accepting unit 206 waits until accepting payment by the value information from the general user terminal 30. Then, the accepting unit 206 accepts payment by the value information from the general user terminal 30 (Step S31). Here, the payment is performed at a price corresponding to a third price obtained by adding a predetermined second price to a first price, which is a price for performing a predetermined transaction (that is, a purchase price of a product). For example, when the price (first price) of the product is 4 VAL and the additional price (second price) is 1 VAL, the general user pays with value information corresponding to 5 VAL (third price). The relationship between the price of the product and the additional price is an example, and another relationship (for example, the additional price is 1% of the price of the transaction) may be used.
　受付部２０６は、支払いを受け付けたことを第１付与部２０７に通知する。次に、第１付与部２０７は、価値情報の支払先が、当該価値情報の種類に対してあらかじめ決められた支払先かどうかを判定する（ステップＳ３２）。例えば、第１付与部２０７は、支払いに用いられる価値情報の支払先が、その価値情報の発行者と同一であるかどうかを判定する。支払先が発行者と同一であるかどうかを特定する情報は、あらかじめ設定されていればよい。ステップＳ３２で「ＮＯ」と判定した場合、第１付与部２０７は、支払われた価値情報のうちの一部に相当する価値情報を、発行者へ付与する（ステップＳ３３）。ここでは、第１付与部２０７は、追加価格に相当する１ＶＡＬに相当する価値情報を、発行者Ｐ－１へ付与する。ここでは、価値情報の付与は、その価値情報の送信により行われる。 (4) The accepting unit 206 notifies the first granting unit 207 that the payment has been accepted. Next, the first assigning unit 207 determines whether the payee of the value information is a payee determined in advance for the type of the value information (Step S32). For example, the first granting unit 207 determines whether the payee of the value information used for payment is the same as the issuer of the value information. Information specifying whether the payee is the same as the issuer may be set in advance. If it is determined as “NO” in Step S32, the first assigning unit 207 assigns the value information corresponding to a part of the paid value information to the issuer (Step S33). Here, the first assigning unit 207 assigns value information corresponding to 1 VAL corresponding to the additional price to the issuer P-1. Here, the grant of the value information is performed by transmitting the value information.
　次に、第１付与部２０７は、取引の対価に相当する金銭価値を、販売者へ付与する（ステップＳ３４）。販売者Ｔ－１から商品が購入された場合、第１付与部２０７は４ＶＡＬに相当する価値情報を、販売者Ｔ－１へ付与する。ここでは、金銭価値の付与は、価値情報の販売者端末への送信により行われてもよいし、通貨による入金により行われてもよい。 Next, the first granting unit 207 gives the seller a monetary value corresponding to the value of the transaction (step S34). When the merchandise has been purchased from the seller T-1, the first assigning unit 207 assigns value information corresponding to 4VAL to the seller T-1. Here, the monetary value may be assigned by transmitting the value information to the seller terminal, or by depositing the currency.
　以上により、販売者は、取引の対価に相当する金銭価値を得ることができる。発行者は、一般ユーザが価値情報を使用したことに対するインセンティブとしての金銭価値を得ることができる。なお、第１付与部２０７が販売者に対して支払いを行うことを「決済する」といい、この場合の第１付与部２０７の一部は、決済部であるということができる。 Through the above, the seller can obtain a monetary value corresponding to the consideration for the transaction. The issuer can obtain a monetary value as an incentive for the general user to use the value information. Note that the payment by the first granting unit 207 to the seller is referred to as “payment”, and in this case, a part of the first granting unit 207 can be said to be a settlement unit.
　一方、第１付与部２０７は、ステップＳ３２で「ＹＥＳ」と判定した場合、支払われた価値情報のすべてを、発行者へ付与する（ステップＳ３５）。例えば、商品が、発行者Ｐ－１により製造、販売され、販売者Ｔ－２と発行者Ｐ－１が同一であったとする。この場合において、販売者Ｔ－２から商品が購入されたときは、第１付与部２０７は、５ＶＡＬに相当する価値情報を、発行者Ｐ－１へ付与する。この場合、発行者は、取引の対価に相当する価値情報と、一般ユーザが価値情報を使用したことに対するインセンティブとしての価値情報とを得ることができる。一般ユーザは、追加価格に相当する価値情報を支払うが、その価値情報でしか購入できない商品を購入できるため、価値情報を使用する動機づけとなる。 On the other hand, if the first granting unit 207 determines “YES” in step S32, it grants all the paid value information to the issuer (step S35). For example, assume that a product is manufactured and sold by the publisher P-1, and the seller T-2 and the publisher P-1 are the same. In this case, when the merchandise is purchased from the seller T-2, the first giving unit 207 gives the value information corresponding to 5VAL to the issuer P-1. In this case, the issuer can obtain value information corresponding to the value of the transaction and value information as an incentive for the general user to use the value information. The general user pays for the value information corresponding to the additional price, but is able to purchase a product that can be purchased only with the value information, which motivates the user to use the value information.
　第１付与部２０７は、他の種類の価値情報によって支払いが行われた場合も、その発行者に少なくとも追加価格に相当する価値情報を付与する。例えば、第１付与部２０７は、価値情報Ｖ－２によって支払いが行われた場合、発行者Ｐ－２に少なくとも追加価格に相当する価値情報Ｖ－２を付与する。 The first assigning unit 207 also assigns at least value information corresponding to an additional price to the issuer even when payment is made using another type of value information. For example, when the payment is performed using the value information V-2, the first granting unit 207 gives the issuer P-2 at least the value information V-2 corresponding to the additional price.
　（ＩＶ）発行者が価値情報を換金すること。
　図１１は、発行者が価値情報を換金するときの動作を示すフローチャートである。 (IV) The issuer redeems the value information.
FIG. 11 is a flowchart showing the operation when the issuer redeems the value information.
　価値情報受信部２０８は、発行者端末１０から価値情報を受信するまで待機する。そして、価値情報受信部２０８は、発行者端末１０から価値情報を受信する（ステップＳ４１）。価値情報受信部２０８は、価値情報を受信したことを第２付与部２０９に通知する。次に、第２付与部２０９は、その価値情報に応じた金銭価値を、発行者へ付与する（ステップＳ４２）。金銭価値の付与は、ここでは通貨による入金により行われる。この発行者へ付与される金銭価値には、上述した追加価格に相当する金銭価値が含まれている。よって、発行者は、価値情報が使用されたことに対するインセンティブとしての金銭価値を得ることができる。 The value information receiving unit 208 waits until value information is received from the issuer terminal 10. Then, the value information receiving unit 208 receives the value information from the issuer terminal 10 (Step S41). The value information receiving unit 208 notifies the second giving unit 209 that the value information has been received. Next, the second assigning unit 209 assigns a monetary value corresponding to the value information to the issuer (Step S42). The monetary value is given here by depositing money. The monetary value given to the issuer includes a monetary value corresponding to the above-mentioned additional price. Therefore, the issuer can obtain a monetary value as an incentive for using the value information.
　次に、第２付与部２０９は、データベース２０２を更新する（ステップＳ４３）。換金された金銭価値に相当する価値情報は消滅する。このため、第２付与部２０９は、換金した量の価値情報を、流通済み量から減じる。例えば、発行管理テーブル２０２２が図４の状態のときに、１０００ＶＡＬに相当する価値情報Ｖ－１が換金された場合、第２付与部２０９は、発行管理テーブル２０２２を、図１２に示すように更新する。すなわち、発行済み量が「６０００」となり、その１０００ＶＡＬに相当する価値情報が新たに流通可能となる。 Next, the second assigning unit 209 updates the database 202 (Step S43). The value information corresponding to the monetary value that has been exchanged disappears. Therefore, the second granting unit 209 subtracts the value information of the converted amount from the already distributed amount. For example, when the issuance management table 2022 is in the state of FIG. 4 and the value information V-1 corresponding to 1000 VAL has been redeemed, the second granting unit 209 updates the issuance management table 2022 as shown in FIG. I do. That is, the issued amount becomes “6000”, and value information corresponding to 1000 VAL can be newly distributed.
　以上のとおり、取引システム２０は、価値情報の発行指示を受信した場合において、交換要求を受信し、かつ価値情報の生成が可能であるときに価値情報を生成して、送信する。よって、取引システム２０が価値情報を在庫として保有する場合に比べて、価値情報の盗難や不正使用などの恐れは小さい。 As described above, when receiving the instruction to issue the value information, the transaction system 20 receives the exchange request and generates and transmits the value information when the value information can be generated. Therefore, the risk of theft of the value information or unauthorized use is smaller than in the case where the transaction system 20 holds the value information as inventory.
　以上のように、価値情報は発行されただけでは意味を持たず、その価値情報が発行者へ付与されたときに換金できる。よって、発行者および取引システム２０は、価値情報を無闇に発行する意味が無く、その価値情報を用いた取引が行われることにインセンティブが生じる。これにより、また、発行者と一般ユーザとの間で、これまでの通貨による売買よりもより深く結びついた取引を行うことができる。また、発行者への追加価格に相当する価値情報の付与は、その発行者にとって、積極的に価値情報の流通に関与する動機づけとなる。 価 値 As described above, just issuing the value information has no meaning, and it can be redeemed when the value information is given to the issuer. Therefore, it is meaningless for the issuer and the transaction system 20 to issue the value information indiscriminately, and there is an incentive to conduct a transaction using the value information. As a result, transactions that are more closely linked between the issuer and general users can be performed than in the case of buying and selling in the conventional currency. Also, giving the issuer the value information corresponding to the additional price motivates the issuer to actively participate in the distribution of the value information.
　価値情報は従来の仮想通貨とは異なり、商品によって最低価格が保証されている。このため、価値情報は、株式におけるＰＢＲ（Ｐｒｉｃｅ　Ｂｏｏｋ－ｖａｌｕｅ　Ｒａｔｉｏ）のような指標として機能する。仮に、過剰な投機により価値情報の価格が急上昇した場合、発行者は、発行指示に基づいて新たな価値情報の流通量を増やすことで、相場を安定させることができる。また、発行者が利益を得るためには、所定の商品の販売を通じて価値情報を入手しなければならない。あくまでも商品を販売する本人の努力が前提であるので、取引の安全性を確保し、価値情報の経済圏を健全に維持するインセンティブが生じる。 Value information is different from conventional cryptocurrencies, and the lowest price is guaranteed for each product. For this reason, the value information functions as an index such as PBR (Price @ Book-value @ Ratio) in the stock. If the price of the value information rises sharply due to excessive speculation, the issuer can stabilize the market by increasing the circulation amount of new value information based on the issuance instruction. In addition, in order for an issuer to make a profit, value information must be obtained through the sale of a predetermined product. Since it is based on the efforts of the individual who sells the product, there is an incentive to secure the security of transactions and maintain the economic zone of value information soundly.
　以上のように、価値情報は発行者が流通量を管理することが可能でありながら、健全な流通を目指すインセンティブに支えられた、健全な経済圏を実現する。 (4) As described above, the value information enables the issuer to manage the volume of distribution, but realizes a healthy economic sphere supported by incentives for healthy distribution.
［第２実施形態］
　次に、本発明の第２実施形態を説明する。上述した実施形態では、取引システム２０は、価値情報を生成して通貨と交換する場合を説明したが、異なる種類の価値情報同士を交換できるようにしてもよい。この場合の処理の流れは、図８と同じであってもよい。 [Second embodiment]
Next, a second embodiment of the present invention will be described. In the above-described embodiment, the case where the transaction system 20 generates value information and exchanges it for currency has been described. However, different types of value information may be exchanged. The processing flow in this case may be the same as that in FIG.
　要求受信部２０３は、一般ユーザ端末３０から交換要求を受信する（ステップＳ２１）。ここでの交換要求は、価値情報Ｖ－２と、一般ユーザが支払う価値情報Ｖ－１との交換の要求を示す第３交換要求である。交換要求は、例えば、一般ユーザが入手しようとする価値情報の種類、および自身が保有する価値情報を特定する情報（例えば、価値ＩＤ）を含む。 The request receiving unit 203 receives the exchange request from the general user terminal 30 (Step S21). The exchange request here is a third exchange request indicating a request to exchange the value information V-2 with the value information V-1 paid by a general user. The exchange request includes, for example, the type of the value information that the general user intends to obtain and information (for example, a value ID) that specifies the value information held by the user.
　生成部２０４は、交換要求が受信された場合、その交換要求に応じて交換すべき価値情報の生成の可否を判定する（ステップＳ２２）。そして、生成部２０４は、生成を許可する場合には（ステップＳ２３；ＹＥＳ）、交換要求に応じて交換すべき価値情報を生成する（ステップＳ２４）。ここで、交換要求により１０ＶＡＬに相当する価値情報Ｖ－２との交換が要求されたとする。この場合、生成部２０４は、１００ＶＡＬに相当する価値情報Ｖ－１の受信が確認されたことを条件として、１０ＶＡＬに相当する価値情報Ｖ－２を生成する。そして、生成部２０４は、発行管理テーブル２０２２の「Ｖ－１」に対応する流通済み量から、「１００」を減じる。また、生成部２０４は、発行管理テーブル２０２２の「Ｖ－２」に対応する流通済み量に、「１０」を加算する。また、生成部２０４は、保有状況管理テーブル２０２４を更新して、一般ユーザに価値情報を付与する処理を行う。そして、送信部２０５は、生成部２０４が生成した価値情報を、一般ユーザ端末３０へ送信する（ステップＳ２５）。 When the exchange request is received, the generation unit 204 determines whether to generate value information to be exchanged according to the exchange request (step S22). Then, when generation is permitted (step S23; YES), the generation unit 204 generates value information to be exchanged in response to the exchange request (step S24). Here, it is assumed that the exchange request requests exchange with the value information V-2 corresponding to 10VAL. In this case, the generation unit 204 generates the value information V-2 corresponding to 10 VAL on condition that the reception of the value information V-1 corresponding to 100 VAL is confirmed. Then, the generation unit 204 subtracts “100” from the distribution amount corresponding to “V−1” in the issue management table 2022. Further, the generation unit 204 adds “10” to the distribution amount corresponding to “V-2” in the issue management table 2022. In addition, the generation unit 204 updates the holding status management table 2024 and performs a process of giving value information to general users. Then, the transmitting unit 205 transmits the value information generated by the generating unit 204 to the general user terminal 30 (Step S25).
　ステップＳ２３で、価値情報の生成を不許可とする場合には（ステップＳ２３；ＮＯ）、生成部２０４は価値情報の生成をしない。この場合、送信部２０５は、エラー処理を行う。 If the generation of the value information is not permitted in step S23 (step S23; NO), the generation unit 204 does not generate the value information. In this case, the transmission unit 205 performs an error process.
　以上説明したように、価値情報同士を交換する場合も、取引システム２０は、価価値情報の発行指示を受信した場合において、交換要求を受信し、かつ価値情報の生成が可能であるときに、価値情報を生成して送信する。よって、取引システム２０が価値情報を在庫に持っている場合に比べて、価値情報の盗難や不正使用などの恐れは小さい。 As described above, also in the case of exchanging the value information, the transaction system 20 receives the exchange request and receives the exchange request, and when the value information can be generated, when the instruction to issue the value information is received. Generate and send value information. Therefore, the risk of theft of the value information or unauthorized use is smaller than when the transaction system 20 has the value information in stock.
　また、一般ユーザは、購入したい価値情報の流通済み量が流通総量に達しており取引システム２０からその価値情報の購入ができない場合でも、他の一般ユーザからその価値情報を購入することもできる。この場合において、価値情報の価格は取引に応じて上下してもよい。この価格変動により、価値情報の価格が上昇した場合、古くから価値情報を所有して発行者を応援していた一般ユーザや、発行者が利益を得ることができる。 Also, a general user can purchase the value information from another general user even if the distributed amount of the value information to be purchased has reached the total circulation amount and the value information cannot be purchased from the transaction system 20. In this case, the price of the value information may fluctuate depending on the transaction. When the price of the value information rises due to the price fluctuation, a general user who has owned the value information and supported the issuer for a long time or the issuer can obtain profit.
　また、近年では、エシカル消費が注目されている。エシカル消費（倫理的消費）とは、環境に配慮されているか、人・社会に消費されているか、地域に配慮されているかを基準に、商品またはサービスを選択して消費することをいう。物質的にある程度満たされた現代では、物やサービスの品質の差が小さくなっているため、消費において商品またはサービスの背景を重視することがある。しかし、エシカル消費を活性化するためには、エシカル消費に対応した商品またはサービスが登場するのを待つだけでは不十分な場合がある。例えば、地球温暖化防止に貢献したいが、ガソリンを購入しなくてはいけない場合、環境に優しい食品を買いたいが、味が良くない場合、またはエシカル消費に参加したいが、対応する商品またはサービスが無い場合があるからである。このように、エシカル消費を行うことができない場合や、エシカル消費に興味があったとしても、対応する商品またはサービスを探して購入することまではしない場合があるなど、エシカル消費を促進するための仕組みは確立されていないというのが現状である。 エ In recent years, ethical consumption has attracted attention. Ethical consumption (ethical consumption) refers to selecting and consuming goods or services based on whether they are considered for the environment, for humans and society, or for the community. In today's materially filled modern age, the difference in quality of goods and services is so small that the background of goods or services may be emphasized in consumption. However, in order to activate ethical consumption, it may not be enough to wait for a product or service corresponding to ethical consumption to appear. For example, if you want to contribute to the prevention of global warming but need to buy gasoline, want to buy environmentally friendly food, do not taste good, or want to participate in ethical consumption, but the corresponding product or service is This is because there may not be. In this way, there are cases where ethical consumption cannot be performed, or even if you are interested in ethical consumption, you may not be able to find and purchase the corresponding product or service. At present, the mechanism has not been established.
　また、自然保護や省資源に役立てようとする「エコ消費」、健康で持続的な社会を目指す生活スタイルである「ロハス」、搾取しないために途上国商品を適正価格で購入する「フェアトレード」、社会的弱者の支援につながる「チャリティー消費」、および地域活性化の一助となる「地産地消」など、様々なエシカル消費が知られている。 In addition, "Eco-consumption" is used to protect nature and save resources, "Lohas" is a lifestyle that aims for a healthy and sustainable society, and "Fair Trade" is to purchase products from developing countries at reasonable prices to prevent exploitation. Various ethical consumptions are known, such as "charity consumption", which supports the socially vulnerable, and "local production for local consumption", which helps revitalize the community.
　しかし、エシカル消費のために１０００円は出せないが、１０円であれば出せる、というようなライトユーザも行うことができるエシカル消費を促進する仕組みは実現されていない。価値情報システム１によれば、一般ユーザは、価値情報によって商品またはサービスを購入し、その購入によって、その価値情報の発行者には利益が還元される。また、一般ユーザは、商品またはサービスの購入の際に、自身が応援する発行者（人、地域）の価値情報を選択するだけでよく、過大な負担も強いられないため、気軽にエシカル消費を行うことができる。よって、価値情報システム１によれば、エシカル消費を促進し、日常の消費活動の中で「気軽な気持ちで誰かを応援できる新しいエシカル消費」を実現することができる。これにより、これまでに見えなかった消費者の小さな応援の気持ちを視覚化することもできる。 However, a mechanism for promoting ethical consumption, which can be performed by a light user, such that 1000 yen cannot be provided for ethical consumption but 10 yen can be provided, has not been realized. According to the value information system 1, a general user purchases a product or service using the value information, and the purchase returns a profit to an issuer of the value information. In addition, when purchasing a product or service, general users only need to select the value information of the issuer (person, region) that they support, and there is no excessive burden. It can be carried out. Therefore, according to the value information system 1, ethical consumption can be promoted, and "new ethical consumption that can support someone with a casual feeling" can be realized in daily consumption activities. As a result, it is also possible to visualize the small feelings of cheering of consumers, which were not seen before.
［第３実施形態］
　次に、本発明の第３実施形態を説明する。本実施形態は、上述した第１実施形態とは、（ＩＩＩ）（ｂ）に係る動作が相違する。図１３は、一般ユーザＵ－１が価値情報によって取引を行うときの動作を示すフローチャートである。図１４は、本実施形態の価値情報の発行および流通について説明する図である。 [Third embodiment]
Next, a third embodiment of the present invention will be described. The present embodiment is different from the above-described first embodiment in the operations according to (III) and (b). FIG. 13 is a flowchart showing the operation when the general user U-1 makes a transaction by using the value information. FIG. 14 is a diagram illustrating issuance and distribution of value information according to the present embodiment.
　受付部２０６は、一般ユーザ端末３０から、複数種類の価値情報のうちのいずれかにより所定の取引に関する費用の支払いを受け付けたかどうかを判定する（ステップＳ５１）。ここでは、例えば、価値情報Ｖ－１，Ｖ－２，Ｖ－３，Ｖ－４の４種類を利用可能とする。受付部２０６が支払いを受け付けたと判定した場合、その旨を第２付与部２０９に通知する。第２付与部２０９は、追加価格に相当する価値情報を、その価値情報の発行者へ付与する（ステップＳ５２）。例えば、価値情報Ｖ－１が利用された場合は、第２付与部２０９は、追加価格に相当する価値情報Ｖ－１をその発行者Ｐ－１へ付与する。価値情報Ｖ－２が利用された場合は、第２付与部２０９は、追加価格に相当する価値情報Ｖ－２を、発行者Ｐ－２へ付与する。次に、第２付与部２０９は、取引の対価に相当する金銭価値を、販売者へ付与する（ステップＳ５３）。 The receiving unit 206 determines whether or not payment of a cost related to a predetermined transaction has been received from the general user terminal 30 based on one of the plurality of types of value information (step S51). Here, for example, four types of value information V-1, V-2, V-3, and V-4 can be used. If the accepting unit 206 determines that the payment has been accepted, it notifies the second giving unit 209 of that fact. The second giving unit 209 gives the value information corresponding to the additional price to the issuer of the value information (Step S52). For example, when the value information V-1 is used, the second assigning unit 209 assigns the value information V-1 corresponding to the additional price to the issuer P-1. When the value information V-2 is used, the second granting unit 209 gives the value information V-2 corresponding to the additional price to the issuer P-2. Next, the second assigning unit 209 assigns a monetary value corresponding to the value of the transaction to the seller (Step S53).
　これにより、一般ユーザが価値情報を用いた取引を行うことで、発行者を応援するという行動が上乗せされるという。新しい消費形態が発生する。なお、価値情報は、エシカル消費を実現のためだけに使用することができる。 This means that the general user conducts a transaction using the value information, which adds to the behavior of supporting the issuer. New consumption patterns arise. The value information can be used only for realizing ethical consumption.
［第４実施形態］
　次に、本発明の第４実施形態を説明する。本実施形態は、上述した第１実施形態とは、（ＩＩＩ）（ｂ）に係る動作が相違する。図１５は、一般ユーザＵ－１が価値情報によって取引を行うときの動作を示すフローチャートである。図１６は、本実施形態の価値情報の発行および流通について説明する図である。 [Fourth embodiment]
Next, a fourth embodiment of the present invention will be described. The present embodiment is different from the above-described first embodiment in the operations according to (III) and (b). FIG. 15 is a flowchart showing the operation when the general user U-1 makes a transaction using the value information. FIG. 16 is a diagram illustrating issuance and distribution of value information according to the present embodiment.
　受付部２０６は、一般ユーザ端末３０から、通貨と、複数種類の価値情報のうちのいずれかの指定とにより、所定の取引に関する費用の支払いを受け付けたかどうかを判定する（ステップＳ６１）。価値情報の種類は、例えば、一般ユーザまたは人工知能を用いて指定される。ここでは、例えば、価値情報Ｖ－１，Ｖ－２，Ｖ－３，Ｖ－４の４種類を利用可能とする。受付部２０６が支払いを受け付けたと判定した場合、その旨を第２付与部２０９に通知する。次に、第２付与部２０９は、追加価格に相当する価値情報を、その価値情報の発行者へ付与する（ステップＳ６２）。例えば、価値情報Ｖ－１が指定された場合は、第２付与部２０９は、追加価格に相当する価値情報Ｖ－１をその発行者Ｐ－１へ付与する。価値情報Ｖ－２が指定された場合は、第２付与部２０９は、追加価格に相当する価値情報Ｖ－２をその発行者Ｐ－２へ付与する。次に、第２付与部２０９は、取引の対価に相当する金銭価値を、販売者へ付与する（ステップＳ６３）。 The receiving unit 206 determines whether the payment of the cost related to the predetermined transaction has been received from the general user terminal 30 by specifying the currency and any one of the plurality of types of value information (step S61). The type of the value information is specified using, for example, a general user or artificial intelligence. Here, for example, four types of value information V-1, V-2, V-3, and V-4 can be used. If the accepting unit 206 determines that the payment has been accepted, it notifies the second giving unit 209 of that fact. Next, the second giving unit 209 gives the value information corresponding to the additional price to the issuer of the value information (Step S62). For example, when the value information V-1 is specified, the second assigning unit 209 assigns the value information V-1 corresponding to the additional price to the issuer P-1. When the value information V-2 is designated, the second granting unit 209 gives the value information V-2 corresponding to the additional price to the issuer P-2. Next, the second assigning unit 209 assigns a monetary value corresponding to the value of the transaction to the seller (Step S63).
　本実施形態では、一般ユーザと販売者との間で価値情報の取引は発生しない。一般ユーザが支払いを行う際に、どの価値情報で支払うかを選択するだけである。価値情報の流れとしては、一般ユーザが通貨を支払った瞬間に発生し、販売者に支払い済みの債務と直ぐに帳消しになる。一方で、上述した実施形態と同様、選択された価値情報の発行者には、追加価格に相当する価値情報が付与される。 In the present embodiment, no transaction of value information occurs between the general user and the seller. When a general user pays, he or she simply selects which value information to pay. The flow of the value information occurs at the moment when the general user pays the currency, and immediately cancels the debt paid to the seller. On the other hand, as in the above-described embodiment, the value information corresponding to the additional price is given to the issuer of the selected value information.
　本実施形態においても、一般ユーザが価値情報を用いた取引を行うことで、発行者を応援するという行動が上乗せされるという。新しい消費形態が発生する。なお、価値情報は、エシカル消費を実現のためだけに使用することができる。一般ユーザが決済する方法としては、二次元コード（ＱＲコード（登録商標）ともいう）を用いる方法がある。ＱＲコード（登録商標）を用いた場合、ネットワークＮＷを介して価値情報の発行者の選択が容易である。そこで、価値情報に対応したＱＲコード（登録商標）を発行し、そのＱＲコード（登録商標）の情報として、追加価格に相当する価値情報が付与されるべき発行者が設定されていてもよい。またＷｅｂでの認証を伴う決済の場合には、ＩＤおよびパスワードに加えて、追加価格に相当する価値情報が付与されるべき発行者が設定されていてもよい。すなわち、価値情報の種類に応じた特定の発行者ではなく、一般ユーザが気分によって応援する人を気軽に変更する仕組みとすることもできる。なお、決済手段は、ＱＲコード（登録商標）以外にも、電子マネー、クレジットカード決済、Ｗｅｂマネーなど、様々な既存の電子決済に応用することもできる。 も Also in the present embodiment, it is said that a general user conducts a transaction using the value information, so that an action of supporting the issuer is added. New consumption patterns arise. The value information can be used only for realizing ethical consumption. As a method for payment by a general user, there is a method using a two-dimensional code (also referred to as a QR code (registered trademark)). When the QR code (registered trademark) is used, it is easy to select the issuer of the value information via the network NW. Therefore, a QR code (registered trademark) corresponding to the value information may be issued, and an issuer to whom value information corresponding to an additional price should be given as the information of the QR code (registered trademark) may be set. In the case of settlement involving Web authentication, an issuer to which value information corresponding to an additional price should be given in addition to an ID and a password may be set. That is, it is also possible to adopt a mechanism in which a general user can easily change a person who supports the user depending on his / her mood, instead of a specific issuer according to the type of value information. Note that the settlement means can be applied to various existing electronic settlement methods such as electronic money, credit card settlement, and web money, in addition to the QR code (registered trademark).
　なお、本実施形態では、追加価格に相当する価値情報をあらかじめ決められた量を付与する例を示したが、これに限定されない。例えば、追加価格に相当する価値情報をどの程度にするかを指定してもよい。これにより、価値情報の発行者を好きなだけ応援することができる。 In the present embodiment, an example has been shown in which value information corresponding to an additional price is given a predetermined amount, but the present invention is not limited to this. For example, the value information corresponding to the additional price may be specified. Thereby, the issuer of the value information can be supported as much as desired.
　また、本実施形態において、価値情報の発行者の選択は、「一般ユーザが価値情報の発行者を検索して選択する」、「価値情報の発行者を一般ユーザが事前に決済システム２２０に登録する」、「決済システム２２０がランダムで選択する」、および「決済システム２２０が最適と判断する価値情報の発行者を選択する」のいずれかを用いてもよい。なお、応援行動を促進するため、価値情報の発行者を選択する際に支払いを行う一般ユーザが選択対象から除外されることが好ましい。 Further, in the present embodiment, the selection of the issuer of the value information includes “the general user searches for and selects the issuer of the value information” and “the general user registers the issuer of the value information in advance in the settlement system 220. Yes, "the payment system 220 randomly selects", and "selects the issuer of the value information that the payment system 220 determines to be optimal". In order to promote the support action, it is preferable that the general user who pays when selecting the issuer of the value information is excluded from the selection targets.
［第５実施形態］
次に、本発明の第５実施形態を説明する。 [Fifth Embodiment]
Next, a fifth embodiment of the present invention will be described.
　チケットなどの商品の転売対策は様々に議論されているが、あらかじめ価格をオークションで調整するという形態は、購入者の金銭的な負担が大きいので敬遠されている。そこで、取引システム２０において、特定の商品の購入希望者が複数存在する場合に、各購入希望者の価値情報の保有状況に応じて、取引の相手を決定してもよい。ここにおいて、保有状況は、価値情報の保有している量、保有を開始した時期、特定の価値情報を有しているかどうかなど、あらかじめ決められた保有状況である。具体的には、受付部２０６は、保有状況に応じたいずれかの一般ユーザ端末３０から支払いを受け付け、それ以外の一般ユーザ端末３０からの支払いを受け付けない。 対 策 There are various discussions on measures to resell products such as tickets, but the practice of adjusting prices in advance at auctions is avoided because of the large financial burden on the buyer. Thus, in the transaction system 20, when there are a plurality of purchasers of a specific product, the partner of the transaction may be determined according to the holding status of the value information of each purchaser. Here, the holding status is a holding status determined in advance such as the amount of the value information held, the time when the holding was started, and whether or not the specific value information was held. Specifically, the accepting unit 206 accepts a payment from any of the general user terminals 30 according to the holding status, and does not accept a payment from any other general user terminal 30.
　従来のオークションシステムでは、商品を購入するために確かに多額の価値情報が必要になるが、本実施形態では取引の対価を固定とすることもできる。よって、無駄な支払いが少なく、不正な転売の対策になる。 (4) In a conventional auction system, a large amount of value information is certainly required to purchase a product, but in the present embodiment, the price of a transaction can be fixed. Therefore, there is little wasteful payment, which is a measure against illegal resale.
［第６実施形態］
　本実施形態では、上記実施形態とは異なる価値情報の発行および流通について、説明する。具体的には、追加価格に相当する価値情報をその発行者へ付与するときに、一般ユーザではなく、スポンサーが支払う例について説明する。 [Sixth embodiment]
In the present embodiment, issuance and distribution of value information different from the above embodiment will be described. Specifically, an example will be described in which a sponsor pays, instead of a general user, when giving value information corresponding to an additional price to the issuer.
　図１７は、本実施形態に係る価値情報システム１Ａの全体構成を示す図である。価値情報システム１Ａは、複数の発行者端末１０（１０－１，・・・，１０－Ｍ）と、取引システム２０Ａと、複数の一般ユーザ端末３０（３０－１，・・・，３０－Ｎ）と、複数の販売者端末４０（４０－１，・・・，４０－Ｌ）とを含むともに、スポンサー端末を含む（５０－１，・・・，５０－Ｈ）を含む。Ｍ，Ｎ，Ｌ，Ｈは、それぞれ２以上の自然数である。 FIG. 17 is a diagram showing the entire configuration of the value information system 1A according to the present embodiment. The value information system 1A includes a plurality of issuer terminals 10 (10-1,..., 10-M), a transaction system 20A, and a plurality of general user terminals 30 (30-1,..., 30-N). ), And a plurality of seller terminals 40 (40-1,..., 40-L), and (50-1,..., 50-H) including sponsor terminals. M, N, L, and H are natural numbers of 2 or more.
　スポンサー端末５０は、スポンサー企業（第３ユーザ）により使用される端末装置である。スポンサー企業は、取引システム２０Ａにより発行された価値情報を購入し、商品またはサービスの販売者と取引を行うユーザが価値情報を用いて支払いを行った場合に、追加価格に相当する価値情報をユーザの代わりに支払いを行う。スポンサー端末５０－Ｈを使用するスポンサー企業を、「スポンサーＳ－Ｈ」と表す。 The sponsor terminal 50 is a terminal device used by a sponsor company (third user). The sponsor company purchases the value information issued by the transaction system 20A, and when the user who makes a transaction with the seller of the product or service pays using the value information, the user adds the value information corresponding to the additional price to the user. Make payments instead. A sponsor company that uses the sponsor terminal 50-H is represented as "Sponsor SH".
　図１８は、取引システム２０Ａの機能構成を示すブロック図である。取引システム２０Ａは、指示受信部２０１と、データベース２０２と、要求受信部２０３と、生成部２０４と、送信部２０５と、受付部２０６と、第１付与部２０７と、価値情報受信部２０８と、第２付与部２０９と、データベース２１３を含む。 FIG. 18 is a block diagram showing a functional configuration of the transaction system 20A. The transaction system 20A includes an instruction receiving unit 201, a database 202, a request receiving unit 203, a generating unit 204, a transmitting unit 205, a receiving unit 206, a first granting unit 207, a value information receiving unit 208, A second assigning unit 209 and a database 213 are included.
　受付部２０６は、価値情報による支払いを受け付ける。この支払は、取引の相手、例えば商品またはサービスの販売者に対する支払いである。また、本実施形態では、スポンサー端末５０から追加価格に相当する価値情報が受付部２０６に対して支払われる。 (4) The accepting unit 206 accepts payment based on the value information. This payment is a payment to the counterparty of the transaction, for example, the seller of the goods or services. In the present embodiment, the sponsor unit 50 pays the value information corresponding to the additional price to the receiving unit 206.
　第１付与部２０７は、受付部２０６により価値情報による支払いが受け付けられた場合に、スポンサー端末５０から支払われた追加価格に相当する価値情報を、その価値情報の発行者へ付与する。 When the payment by the value information is received by the reception unit 206, the first granting unit 207 gives value information corresponding to the additional price paid from the sponsor terminal 50 to the issuer of the value information.
　図１９は、一般ユーザＵ－１が価値情報によって取引を行うときの動作を示すフローチャートである。図２０は、本実施形態の価値情報の発行および流通について説明する図である。なお、他の実施形態と重複する部分については、説明を省略する。 FIG. 19 is a flowchart showing the operation when the general user U-1 makes a transaction by using the value information. FIG. 20 is a diagram illustrating issuance and distribution of value information according to the present embodiment. The description of the same parts as those of the other embodiments will be omitted.
　受付部２０６は、一般ユーザ端末３０から、複数種類の価値情報のうちのいずれかにより所定の取引に関する費用の支払いを受け付けたかどうかを判定する（ステップＳ７１）。ここでは、例えば、価値情報Ｖ－１，Ｖ－２，Ｖ－３，Ｖ－４の４種類を利用可能とする。受付部２０６が支払いを受け付けたと判定した場合、その旨を第１付与部２０７に通知する。第１付与部２０７は、スポンサー端末５０から受けつけた追加価格に相当する価値情報を、その価値情報の発行者へ付与する（ステップＳ７２）。例えば、価値情報Ｖ－１が利用された場合、第１付与部２０７は、追加価格に相当する価値情報Ｖ－１をその発行者Ｐ－１へ付与する。このとき、追加価格に相当する価値情報Ｖ－１は、価値情報Ｖ－１に関連付けられたスポンサー端末５０から受け付けた価値情報Ｖ－１を用いて付与される。価値情報Ｖ－２が利用された場合は、追加価格に相当する価値情報Ｖ－２は、価値情報Ｖ－２に関連付けられたスポンサー端末５０から受け付けた価値情報Ｖ－２を用いて付与される。次に、第１付与部２０７は、取引の対価に相当する金銭価値を、販売者へ付与する（ステップＳ７３）。 The receiving unit 206 determines whether or not payment of a cost relating to a predetermined transaction has been received from any of the plurality of types of value information from the general user terminal 30 (step S71). Here, for example, four types of value information V-1, V-2, V-3, and V-4 can be used. If the accepting unit 206 determines that the payment has been accepted, the accepting unit 206 notifies the first granting unit 207 of that fact. The first giving unit 207 gives the value information corresponding to the additional price received from the sponsor terminal 50 to the issuer of the value information (Step S72). For example, when the value information V-1 is used, the first assigning unit 207 assigns the value information V-1 corresponding to the additional price to the issuer P-1. At this time, the value information V-1 corresponding to the additional price is provided using the value information V-1 received from the sponsor terminal 50 associated with the value information V-1. When the value information V-2 is used, the value information V-2 corresponding to the additional price is given using the value information V-2 received from the sponsor terminal 50 associated with the value information V-2. . Next, the first assigning unit 207 assigns a monetary value corresponding to the transaction consideration to the seller (step S73).
　この場合、スポンサー企業は、予め一般ユーザに代わって特定の価値情報を購入（もしくは購入予約）する。スポンサー企業はその価値情報を用いた還元キャンペーンを実施してもよい。そのキャンペーン期間中、スポンサー企業が負担する為に購入した価値情報がゼロになるまで、その価値情報を用いて行われた決済では追加価格に相当する価値情報はユーザが負担しなくてもよい。これにより、追加価格に相当する価値情報を一般ユーザではなく、スポンサー企業が負担する事で一般ユーザの負担感を軽減し、さらなる愛情の見える化を促進する。したがって、本実施形態を用いることにより、テレビＣＭのような間接的な広告では無く「直接的に商品を購入したい」というモチベーションを一般ユーザに提供することができるとともに、直接的で効率的な次世代の広告を提供することができる。 In this case, the sponsor company purchases (or reserves) specific value information on behalf of general users in advance. The sponsor company may carry out a return campaign using the value information. Until the value information purchased by the sponsor company during the campaign period becomes zero, the user does not have to bear the value information corresponding to the additional price in the settlement performed using the value information. This reduces the burden on the general user by allocating the value information corresponding to the additional price to the sponsor company instead of the general user, thereby promoting the visualization of affection. Therefore, by using the present embodiment, it is possible to provide a general user with the motivation of “want to directly purchase a product” instead of an indirect advertisement such as a TV commercial, and to provide a direct and efficient Generations of advertising can be provided.
　以下に、具体例を示す。例えば、スポンサー企業は「新発売のＡコーヒー（２００円）を『アイドルＢに関連する価値情報Ｖ－１』で買ってくれたら、追加価格に相当する価値情報Ｖ－１を負担する」と広告を出す。アイドルＢのファンは数有るコーヒーの中から、アイドルＢを応援するために新発売のＡコーヒーを購入する。この場合、１億円の広告費で、２円×５０００万本のコーヒーの販売促進が可能となる。 具体 Specific examples are shown below. For example, a sponsor company advertises, "If you buy a newly released A coffee (200 yen) with" Value information V-1 related to idol B ", you will bear the value information V-1 equivalent to the additional price." Put out. The fan of idol B purchases newly released A coffee to support idol B from among the many coffees. In this case, it is possible to promote 2 yen × 50 million coffees at an advertising cost of 100 million yen.
　既存の広告は、マスメディアを通じて「ファンがいるであろう」コンテンツを介して間接的に訴えているだけであり、極めて効率が悪くなってしまう。また、インターネットの行動情報を通じて効率をＵＰしたターゲティング広告が普及しているものの、まだ「間接的に訴えている」という構図には違いがない。 Existing advertisements are only indirectly appealing through mass media to content that "will have fans", which is extremely inefficient. In addition, although targeted advertising that increases efficiency through behavioral information on the Internet has become widespread, there is still no difference in the composition of "indirectly appealing".
　一方、本実施形態を用いることにより、価値情報は「価値情報を持っている（持っていた）人＝そのターゲットにお金を払いたい人」と明確に欲望を認識できる。また、「○○をただ欲しい」という情報だけでなく、「どれくらいの○○の購入が可能なのか」など、欲望のレベルまで把握できる。 On the other hand, by using this embodiment, it is possible to clearly recognize the desire that the value information is "the person who has (has) the value information = the person who wants to pay the target". In addition, it is possible to grasp not only the information “I just want XX” but also the level of desire such as “How much XX can be purchased”.
　また、従来は、消費者の欲望データを得るために、膨大な量の購買データを解析しマーケティングの仮説を立てる必要があった。しかしながら、本実施形態を用いることにより、「価値情報の発行量」を見るだけで欲望が可視化されている。つまり、本実施形態を用いることにより、単なる広告を超えて、売りたい人と買いたい人をマッチングする革命的なワン・ツー・ワン・マーケティングということができる。 Conventionally, in order to obtain consumer desire data, it was necessary to analyze a huge amount of purchase data and make a marketing hypothesis. However, by using this embodiment, the desire is visualized only by looking at the “issue amount of value information”. In other words, by using the present embodiment, it is possible to provide a revolutionary one-to-one marketing that goes beyond mere advertisement and matches people who want to sell and people who want to buy.
　また、従来において、価値情報が無くても、例えば銀行口座があれば、ある商品を購入した金額の一部を応援する人に支払うといった応援は可能である。クラウドファンディングや各種投げ銭、寄付など、応援する仕組みも存在する。しかし、従来の応援する仕組みには不透明感（支援団体に寄付をしても、本当に届くかどうかわからない）、実感の無さ（応援して何か変わったのか、見返りがない）、損失感（ただ自分のお金を失うだけ）という課題を有している。 従 来 Also, conventionally, even if there is no value information, for example, if there is a bank account, it is possible to support a person who supports a part of the amount of money for purchasing a certain product. There are also mechanisms to support such as crowdfunding, various money changes, and donations. However, the traditional support system is uncertain (donation to a support organization doesn't know whether it will actually arrive), lack of realism (whether something has changed with support or no reward), loss ( Just lose their money).
　しかしながら、本実施形態を用いることにより、「応援したいと思う人、キャラクター、または団体が発行する価値情報を使う」という極めてつながりの強く、透明性の高いお金の流れにする事で、ユーザは安心して応援することができる。さらに、追加価格に相当する価値情報を負担するのはユーザでは無くスポンサー企業である。そのため、普段の買い物を何も変えず、ただ価値情報を用いるだけという全く損失感のない応援ができる。 However, by using the present embodiment, the user can make use of value information issued by a person, a character, or an organization that he / she wants to support and have a very strong and highly transparent flow of money, thereby making the user safe. I can support with my heart. Further, the sponsor company, not the user, bears the value information corresponding to the additional price. Therefore, it is possible to support without loss by simply using the value information without changing the usual shopping.
　なお、本実施形態において、スポンサー企業は、追加価格に相当する価値情報の還元サービスだけでなく、特定のユーザ（ファン）に対して価値情報を直接プレゼントしてもよい。これにより、何倍もの価値情報による消費を促すといった販売促進サービスも可能になる。 In the present embodiment, the sponsor company may present the value information directly to a specific user (fan) as well as the value information return service corresponding to the additional price. As a result, a sales promotion service that promotes consumption by multiple times of value information becomes possible.
　また、本実施形態では、スポンサー企業は、一般ユーザの追加価格に相当する価値情報を負担する例を示したが、これに限定されない。例えば、一般ユーザが支払う追加価格に相当する価値情報に加えて、スポンサー企業から価値情報の発行者に付与する価値情報を受け付けてもよい。また、スポンサー企業は、決済事業者が決済システム２２０において負担する価値情報の発行者に付与される価値情報を代わりに負担してもよい。または、スポンサー企業は一般ユーザが支払う価値情報の一部を一般ユーザに還元してもよい（キャッシュバックしてもよい。）。 Also, in the present embodiment, an example has been described in which the sponsor company bears the value information corresponding to the additional price of the general user, but the present invention is not limited to this. For example, in addition to the value information corresponding to the additional price paid by the general user, value information to be given to the issuer of the value information from the sponsor company may be received. Further, the sponsor company may instead bear the value information given to the issuer of the value information that the settlement company bears in the settlement system 220. Alternatively, the sponsor company may return a part of the value information paid by the general user to the general user (cashback may be performed).
　また、本実施形態では、決済システム２２０が一つのアプリケーション（決済アプリともいう）として機能することができる。決済アプリにおいて、利用者はそれぞれ個別のアカウントを設定することができる。例えば、一つのアカウントとして価値情報の発行者、他のアカウントとして一般ユーザを指定することができる。これらのアカウント情報は、受付部２０６において受け付けた後、決済システム２２０のデータベース２１３に記録されてもよいし、交換所システム２１０のデータベース２０２に記録されてもよい。この場合、価値情報の発行者（第２ユーザ）のアカウント情報は、決済システム２２０内で利用されるため、第１付与部２０７の決済機能（決済部）と同じサーバ内に設けられてもよい。決済システム２２０において、アカウント情報の管理機能と、決済機能とは、別々に制御してもよいし、一体として制御してもよい。 In addition, in the present embodiment, the payment system 220 can function as one application (also referred to as a payment application). In the payment application, the user can set an individual account for each. For example, a publisher of value information can be designated as one account, and a general user can be designated as another account. The account information may be recorded in the database 213 of the settlement system 220 or may be recorded in the database 202 of the exchange system 210 after being received by the reception unit 206. In this case, since the account information of the issuer of the value information (second user) is used in the payment system 220, it may be provided in the same server as the payment function (payment unit) of the first granting unit 207. . In the settlement system 220, the account information management function and the settlement function may be controlled separately or may be controlled integrally.
　スポンサー企業により実施されるさまざまなキャンペーンにより、価値情報の発行者と一般ユーザとは、より密接につながることができ、価値情報の利用促進および販売促進が期待される。例えば、歌手Ｃのスポンサー企業が実施するキャンペーン期間中は、歌手Ｃのファンである一般ユーザが価値情報Ｖ－２（Ｂコインともいう）で新曲ＣＤを購入した場合、ボーナストラックをダウンロードすることができたり、歌手Ｃからの感謝メッセージを聴くことができたり、または特製のジャケットイラストをもらうことができる。このようにスポンサー企業は、ただお金を拠出するだけではなく、様々なキャンペーンとセットで販売を促進する事ができる。 さ ま ざ ま Various campaigns conducted by sponsor companies will enable closer connection between value information issuers and general users, and are expected to promote the use and sales of value information. For example, during a campaign conducted by a sponsor company of singer C, if a general user who is a fan of singer C purchases a new song CD with value information V-2 (also referred to as B coin), a bonus track may be downloaded. You can hear the appreciation message from singer C, or get a special jacket illustration. In this way, sponsor companies can not only contribute money but also promote sales with various campaigns and sets.
　また、価値情報の発行者は、スポンサー企業と広告契約を結ぶこともできる。この場合、価値情報の発行者は、広告契約を結んだ商品・サービスを自分のＳＮＳ（Ｓｏｃｉａｌ　Ｎｅｔｗｏｒｋｉｎｇ　Ｓｅｒｖｉｃｅ）アプリやウェブログ用アプリ（ブログともいう）で宣伝することができる。このとき、決済アプリのアカウントとＳＮＳアプリを紐づけてもよい。ＳＮＳアプリの画面（ユーザインタフェース）上に宣伝している商品の決済用のＱＲコード（登録商標）が直接貼り付けられていれば、一般ユーザは、ＱＲコード（登録商標）をスキャンするだけで価値情報の発行者のコインを用いて宣伝中の商品を購入することができ、販売促進につなげることができる。 価 値 The publisher of value information can also enter into an advertising contract with a sponsor company. In this case, the issuer of the value information can advertise the product / service for which the advertising contract has been concluded with his / her SNS (Social Networking Service) application or weblog application (also referred to as a blog). At this time, the account of the payment application and the SNS application may be linked. If the QR code (registered trademark) for the settlement of the advertised product is directly pasted on the screen (user interface) of the SNS application, ordinary users can scan the QR code (registered trademark) for value. Using the coin of the information issuer, the user can purchase the product being advertised, which can lead to sales promotion.
　また、価値情報の発行者がスポンサー企業になってもよい。価値情報の発行者は決済システムを扱う決済事業者に一定の金額を支払う事で、「決済アプリ（決済事業者）のオススメ」コイン（価値情報）として登録されてもよい。これにより、商品に関わらず自分のコイン（価値情報）をたくさん使ってもらえるようになり、流通の促進とともに収益アップにもつながる。 価 値 Also, the publisher of the value information may become the sponsor company. The issuer of the value information may be registered as a “recommended payment application (payment company)” coin (value information) by paying a fixed amount to a payment company handling the payment system. This will allow you to use a lot of your own coins (value information) regardless of the product, which will promote distribution and increase profits.
［第７実施形態］
　本実施形態では、追加価格に相当する価値情報を負担するスポンサー企業を入札で決める事により、より高い追加価格に相当する価値情報の還元を実現する事ができる。 [Seventh embodiment]
In the present embodiment, the return of the value information corresponding to a higher additional price can be realized by determining the sponsor company that bears the value information corresponding to the additional price by bidding.
　図２１は、取引システム２０Ｂの機能構成を示すブロック図である。取引システム２０Ｂは、指示受信部２０１と、データベース２０２と、要求受信部２０３と、生成部２０４と、送信部２０５と、受付部２０６と、第１付与部２０７と、価値情報受信部２０８と、第２付与部２０９に加えて、選択部２１５を含む。 FIG. 21 is a block diagram showing a functional configuration of the transaction system 20B. The transaction system 20B includes an instruction receiving unit 201, a database 202, a request receiving unit 203, a generating unit 204, a transmitting unit 205, a receiving unit 206, a first assigning unit 207, a value information receiving unit 208, In addition to the second assigning unit 209, a selecting unit 215 is included.
　選択部２１５は、受付部２０６で受け付けた複数のスポンサー企業の価値情報のうち、どのスポンサー企業の価値情報を用いて追加価格に相当する価値情報を付与するかを選択する。 The selection unit 215 selects which sponsor company's value information among the plurality of sponsor company's value information received by the reception unit 206 is used to give the value information corresponding to the additional price.
　例えば、コーヒーＡを『アイドルＢに関連する価値情報Ｖ－１』で購入した場合、追加価格に相当する価値情報をスポンサー企業が負担するとする。このとき、「何パーセントまで、総額何円まで負担するか」を各企業が入札する。そして、一般ユーザが希望する条件（例えば追加価格に相当する価値情報の還元率が高い方、総額が高い方、またはその両方）に合致した企業が、ユーザが決済するタイミングで選択され、ユーザの代わりに追加価格に相当する価値情報を負担してもよい。追加価格に相当する価値情報を負担した企業はユーザに通知され、ユーザはその企業への好感度を上げることができる。 For example, when coffee A is purchased with "value information V-1 related to idol B", it is assumed that the sponsor company bears value information corresponding to the additional price. At this time, each company bids on "what percentage and how much yen to pay". Then, a company that meets the conditions desired by the general user (for example, a higher return rate of the value information corresponding to the additional price, a higher total amount, or both) is selected at the timing of the user's settlement, and the user is selected. Alternatively, value information corresponding to the additional price may be borne. The company that has paid the value information corresponding to the additional price is notified to the user, and the user can increase the liking for the company.
　上述した入札（リアルタイム入札ともいう）は、１つの商品だけでなく、複数の商品間で実現する事もできる。例えば、ネットショップで複数の商品で迷っている場合（例えば、どのミネラルウォーターにしようか）、ユーザの保有する価値情報や使用予定の価値情報に基づき、商品毎のスポンサー企業の追加価格に相当する価値情報の還元情報が一般ユーザ端末３０に表示されてもよい。一般ユーザは、最も気に入った追加価格に相当する価値情報の還元情報に基づき、商品（ミネラルウォーター）を選択する。また、追加価格に相当する価値情報の還元だけでなく、商品価格の割引もスポンサー企業が負担しても良い。 入 札 The above-mentioned bidding (also called real-time bidding) can be realized not only for one product but also for a plurality of products. For example, if the user is lost in a plurality of products at the online shop (for example, which mineral water to use), it corresponds to the additional price of the sponsor company for each product based on the value information held by the user and the value information to be used. The return information of the value information may be displayed on the general user terminal 30. The general user selects a product (mineral water) based on return information of value information corresponding to the most favorite additional price. The sponsor company may bear not only the return of the value information corresponding to the additional price but also the discount of the product price.
［第８実施形態］
　次に、本発明の第８実施形態を説明する。 [Eighth Embodiment]
Next, an eighth embodiment of the present invention will be described.
　追加価格に相当する価値情報を支払う際、価値情報の種類を自動で最適に選択することにより、全く新しい応援を実現してもよい。例えば、追加価格に相当する価値情報を用いて誰かを応援する時、特定の価値情報を選択して決済をする必要がある。しかし、誰を応援して良いのかわからず、価値情報の選択が億劫だというユーザも存在する。 支 払 う When paying value information corresponding to an additional price, a completely new type of support may be realized by automatically and optimally selecting the type of value information. For example, when supporting someone using value information corresponding to an additional price, it is necessary to select specific value information and make a payment. However, there are users who do not know who to support and have trouble choosing value information.
　本実施形態では、選択部２１５は、決済に使用する価値情報についてユーザの行動履歴や閲覧履歴、保有価値情報の種類などを参考に、自動で決済に使用する価値情報の種類を選択してもよい。決済時に選択された価値情報は一般ユーザ端末３０に表示され、ユーザは「応援した対象」の情報を知ることができる。このとき、「応援した対象」を気に入れば手動で価値情報の種類を選択し、次回以降はその価値情報を使い続けてもよい。このとき、選択部２１５は、ユーザから入力された情報に基づいて、価値情報の種類を選択することができる。また、受付部２０６は、ユーザ（一般ユーザ端末３０）から、価値情報の種類を受け付けてもよい。また、「応援した対象」が好みではない、又は「応援する対象」に対して特にこだわりが無い場合は、毎回自動で選択部２１５が価値情報の種類を選択してもよい。 In the present embodiment, the selection unit 215 automatically selects the type of value information to be used for payment by referring to the user's action history, browsing history, and type of held value information for the value information to be used for payment. Good. The value information selected at the time of settlement is displayed on the general user terminal 30, and the user can know the information of the "supported target". At this time, if the user likes the "supported target", the type of the value information may be manually selected, and the value information may be continuously used from the next time. At this time, the selection unit 215 can select the type of the value information based on the information input by the user. Further, the receiving unit 206 may receive the type of the value information from the user (general user terminal 30). In addition, when the “supporting target” is not preferred or the “supporting target” is not particularly particular, the selection unit 215 may automatically select the type of the value information every time.
　選択される価値情報は、発行主の入札によって選択率を高める事ができる。例えば、ターゲティング広告の入札のように、多額の入札を行なったユーザは自動で選択される率が向上し、価値情報によって応援されやすくなる。収益も向上する。 価 値 The selected value information can increase the selection rate by the publisher's bid. For example, a user who has made a large bid, such as a bid for a targeted advertisement, has an improved rate of automatic selection and is more likely to be supported by value information. Earnings also increase.
［第９実施形態］
　次に、本発明の第９実施形態を説明する。 [Ninth embodiment]
Next, a ninth embodiment of the present invention will be described.
　図２２は、取引システム２０Ｃの機能構成を示すブロック図である。価値情報を用いて取引が行われ、追加価格に相当する価値情報がその価値情報の発行主に付与される（贈られる）と、価値情報を使用したタイミングで「ありがとう」というメッセージが一般ユーザ端末３０に送られてもよい。また、価値情報は、商品の購入または、追加価格に相当する価値情報として、発行主に付与される（届けられる）。また、価値情報は、取引システム２０Ｃの第１付与部２０７から他のユーザ（一般ユーザ端末３０－２）に付与されてもよい（プレゼントされてもよい）。 FIG. 22 is a block diagram showing a functional configuration of the transaction system 20C. When a transaction is performed using the value information and the value information corresponding to the additional price is given (given) to the issuer of the value information, a message of “thank you” is sent to the general user terminal at the timing of using the value information. 30. The value information is given (delivered) to the issuer as value information corresponding to the purchase of the product or the additional price. Further, the value information may be given to another user (general user terminal 30-2) from the first giving unit 207 of the transaction system 20C (may be given as a present).
　また、ユーザが、受け取った価値情報を、価値情報システム１を通じて金銭価値に交換する、または別の商品を購入した場合、第１付与部２０７は、交換処理または購入処理に同期してその価値情報を１回前に使用したユーザに対してメッセージを付与（送信）してもよい。例えば、ユーザにメッセージを付与（送信）する場合、決済処理する度に自動で所定のメッセージを送信することができる。このときのメッセージの内容は、価値情報を受け取ったユーザが自由に設定できる。例えば、「ありがとう」などの文字でもよいし、「ありがとう」を意味する画像でもよいし、「ありがとう」などの音声情報でもよいし、または動画情報でもよい。 When the user exchanges the received value information for monetary value through the value information system 1 or purchases another product, the first granting unit 207 synchronizes the value information with the exchange process or the purchase process. A message may be given (transmitted) to the user who used the last time. For example, when a message is given (transmitted) to a user, a predetermined message can be automatically transmitted each time a payment process is performed. The content of the message at this time can be freely set by the user who has received the value information. For example, it may be a character such as "thank you", an image meaning "thank you", audio information such as "thank you", or moving image information.
　本実施形態を用いることにより、価値情報を使用したユーザは「感謝メッセージ」というリターンを得る事ができる。このリターンによって、さらに価値情報の取引が活発になる。 ユ ー ザ By using this embodiment, the user who has used the value information can obtain a return of a “thank you message”. With this return, value information transactions become more active.
　なお、本実施形態では、ユーザにメッセージを付与（送信）する場合、メッセージは決済の度に自動で送信する例を示したが、これに限定されない。例えば、発行者端末１０に表示された決済情報を価値情報の発行者が確認し、発行者が発行者端末１０に入力した情報に基づいて、ユーザにメッセージを送信してもよい。また、決済金額があらかじめ設定された額に到達したか否かを判定し、設定された額に到達した場合に自動で所定のメッセージを送信してもよい。設定額は適宜変更することができる。または、決済金額があらかじめ設定された額に達したことを示す情報が発行者端末１０に表示され、価値情報の発行者が当該情報を確認したときに、発行者端末１０に表示された決済情報を価値情報の発行者が確認し、価値情報の発行者が入力した情報に基づいてユーザにメッセージを付与（送信）してもよい。これにより、商品のさらなる販売促進および価値情報のさらなる流通促進を図ることができる。 Note that, in the present embodiment, when a message is given (transmitted) to a user, an example is shown in which the message is automatically transmitted each time a payment is made, but the present invention is not limited to this. For example, the issuer of the value information may check the settlement information displayed on the issuer terminal 10 and transmit a message to the user based on the information input to the issuer terminal 10 by the issuer. Alternatively, it may be determined whether or not the payment amount has reached a preset amount, and a predetermined message may be automatically transmitted when the settlement amount has reached the preset amount. The set amount can be changed as appropriate. Alternatively, information indicating that the payment amount has reached a preset amount is displayed on the issuer terminal 10, and when the issuer of the value information confirms the information, the payment information displayed on the issuer terminal 10 is displayed. May be confirmed by the issuer of the value information, and a message may be given (transmitted) to the user based on the information input by the issuer of the value information. As a result, it is possible to further promote the sale of the product and the distribution of the value information.
　なお、本実施形態において、メッセージが一般ユーザ端末３０に送られる例を示したが、これに限定されない。例えば、一般ユーザが決済システム２２０の受付部２０６に対して支払価格に相当する価値情報を支払うときに価値情報の発行者にメッセージを送信してもよい。例えば歌手Ｃのファンが価値情報Ｖ－２でＢの新曲のＣＤを購入、またはダウンロードするときに、「すごく楽しみにしていました」、「いつも応援しています」等のメッセージを価値情報の発行者である価値情報Ｖ－２の発行者（アカウントともいう）に送信する事ができる。このとき、ユーザおよび価値情報の発行者がアカウントを有していれば、価値情報の発行者と一般ユーザとは、ＳＮＳのように双方向通信が可能となり、メッセージのやり取りができる。 In the present embodiment, an example in which the message is sent to the general user terminal 30 has been described, but the present invention is not limited to this. For example, when the general user pays the value information corresponding to the payment price to the reception unit 206 of the payment system 220, a message may be transmitted to the issuer of the value information. For example, when a fan of singer C purchases or downloads a CD of a new song of B with value information V-2, it issues value information such as "I am looking forward to it" and "I always support". To the issuer of the value information V-2 (also referred to as an account). At this time, if the user and the issuer of the value information have an account, the issuer of the value information and the general user can perform two-way communication like SNS, and can exchange messages.
　また、本実施形態において、複数の一般ユーザが価値情報の使用状況を共有してもよい。図２３は、端末の表示部に表示された決済システムの管理画面を示すユーザインタフェースの一例である。図２３に示すように、画面上には一般ユーザの価値情報の使用状況が表示される。当該画面をスクリーンショットして一つの画像とし、ＳＮＳのユーザインタフェースに貼付することにより、他の一般ユーザに価値情報の使用状況を公開することができる。具体的には、ＳＮＳアプリケーション（アプリともいう）において「俺、今月Ｂコインで１００万ＶＡＬＵ使っちゃったぜ。」というメッセージとともに、使用状況のスクリーンショット画像を貼付した場合、他の一般ユーザから「いいね」をもらうことができる（「コイン映え」ともいうことができる）。 In the present embodiment, a plurality of general users may share the usage status of the value information. FIG. 23 is an example of a user interface showing a payment system management screen displayed on the display unit of the terminal. As shown in FIG. 23, the usage status of the general user's value information is displayed on the screen. By screenshoting the screen into one image and attaching it to the user interface of the SNS, the usage status of the value information can be disclosed to other general users. Specifically, when a screen shot image of the usage status is pasted together with a message “I have used 1 million VALU with B coins this month.” You can get "likes" (also called "coin shines").
　また、本実施形態では、メッセージではなく、プレゼントが送付されてもよい。例えば、一般ユーザが一定額以上の特定の価値情報を利用した場合、プレゼントが送付されてもよい。具体的には、価値情報Ｖ－２を１０，０００ＶＡＬ以上利用した場合には、歌手Ｃの新曲がダウンロードできたり、写真をダウンロードできたり、ライブチケットを獲得できる。 In the present embodiment, a present may be sent instead of a message. For example, when a general user uses specific value information that is equal to or more than a certain amount, a present may be sent. Specifically, when the value information V-2 is used for 10,000 VAL or more, a new song of singer C can be downloaded, a photo can be downloaded, and a live ticket can be obtained.
［変形例］
本発明は上記の実施形態に限られたものではなく、趣旨を逸脱しない範囲で適宜変更することが可能である。 [Modification]
The present invention is not limited to the above embodiment, and can be appropriately changed without departing from the gist.
　上述した各実施形態で説明した構成および動作の一部が省略または変更されてもよい。例えば、取引システム２０が、決済システム２２０に相当する機能を有し、交換所システム２１０に相当する機能を有しなくてもよい。また、上述した実施形態で説明したデータの構成は一例に過ぎない。また、上述した動作の実行順は、矛盾のない範囲内で変更されてもよい。 構成 Some of the configurations and operations described in the above embodiments may be omitted or changed. For example, the transaction system 20 may have a function corresponding to the settlement system 220 and may not have a function corresponding to the exchange system 210. Further, the data configuration described in the above-described embodiment is merely an example. Further, the execution order of the above-described operations may be changed within a consistent range.
　上述した各実施形態で説明した構成および動作の一部が省略または変更されてもよい。また、動作の実行順は矛盾のない範囲内で変更されてもよい。要するに本発明は、第１種類の価値情報により第１のユーザに対する支払いが行われた場合に、前記支払われた前記第１種類の価値情報のうちの一部に相当する前記第１種類の価値情報を、前記第１種類の価値情報に応じた第２ユーザに付与する付与部を有する価値情報システムとして特定される。 構成 Some of the configurations and operations described in the above embodiments may be omitted or changed. Further, the execution order of the operations may be changed within a consistent range. In short, the present invention provides the first type of value corresponding to a part of the paid first type of value information when the first type of value information is paid to the first user. The information is specified as a value information system having an assigning unit that assigns information to a second user according to the first type of value information.
　上述した各実施形態で説明した各機能は、１または複数のプログラムによって実現され、１または複数のハードウェア資源の連係によって実現され得る。制御部２１の機能がプログラムを用いて実現される場合、この機能を実現するためのプログラム２４１が、各種の磁気記録媒体、光記録媒体、光磁気記録媒体、半導体メモリ等のコンピュータ読み取り可能な記録媒体に記憶した状態で提供されてもよい。また、このプログラムは、ネットワークを介して配信されてもよい。また、本発明は、価値付与方法としても把握することができる。 Each function described in each of the embodiments described above is realized by one or a plurality of programs, and can be realized by cooperation of one or a plurality of hardware resources. When the function of the control unit 21 is realized by using a program, the program 241 for realizing the function is implemented by computer-readable recording such as various magnetic recording media, optical recording media, magneto-optical recording media, and semiconductor memories. It may be provided in a state stored in a medium. Further, this program may be distributed via a network. Further, the present invention can be understood as a value providing method.
　また、上述した各実施形態では、追加価格に相当する価値情報が発行者に付与される例を示したが、これに限定されない。例えば、追加価格は、支払い価格の一部と言い換えてもよい。この場合、一般ユーザが商品を買うときに支払う支払い価格（第３価格）が１０００ＶＡＬであれば、販売者（販売者端末４０）へ付与する取引の対価に相当する価格（第１価格）は９５０ＶＡＬであり、残りの５０ＶＡＬ（５％）は販売者から決済システム２２０を利用する決済事業者に実質的に支払われてもよい。さらに、決済システム２２０のうち第１付与部２０７は、受け取った支払い価格の一部（第２価格）である１０ＶＡＬ（１％）を発行者（発行者端末１０）に付与してもよい。 Further, in each of the above-described embodiments, the example in which the value information corresponding to the additional price is given to the issuer is shown, but the present invention is not limited to this. For example, the additional price may be rephrased as part of the payment price. In this case, if the payment price (third price) paid by a general user when buying a product is 1000 VAL, the price (first price) corresponding to the transaction to be provided to the seller (seller terminal 40) is 950 VAL. And the remaining 50 VAL (5%) may be substantially paid by the seller to the payment operator using the payment system 220. Further, the first granting unit 207 of the settlement system 220 may grant 10VAL (1%), which is a part (second price) of the received payment price, to the issuer (issuer terminal 10).
　また、本発明の第４実施形態では、決済処理する前に受付部２０６が価値情報の種類を受け付ける例を示したが、これに限定されない。例えば、決済処理が行われた後に、受付部２０６は、価値情報の種類に関する情報を受け付けてもよい。このとき、複数の決済処理がなされていれば、一般ユーザはそれぞれの決済処理に対する価値情報の種類をまとめて指定し、受付部２０６で価値情報の種類に関する情報を受け付けてもよい。 Also, in the fourth embodiment of the present invention, an example has been described in which the accepting unit 206 accepts the type of the value information before performing the payment processing, but the present invention is not limited to this. For example, after the payment process is performed, the receiving unit 206 may receive information on the type of the value information. At this time, if a plurality of payment processes have been performed, the general user may collectively specify the types of the value information for each of the payment processes, and the receiving unit 206 may receive the information regarding the type of the value information.
　１：価値情報システム、１０：発行者端末、１１：制御部、２０：取引システム、２１：制御部、２２：第１通信部、２３：第２通信部、２４：記憶部、３０：一般ユーザ端末、４０：販売者端末、５０：スポンサー端末、２０１：指示受信部、２０２：データベース、２０３：要求受信部、２０４：生成部、２０５：送信部、２０６：受付部、２０７：第１付与部、２０８：価値情報受信部、２０９：第２付与部、２１０：交換所システム、２１１：演算処理回路、２１２：メモリ、２１３：データベース、２１５：選択部、２２０：決済システム、２４１：プログラム、２０２２：発行管理テーブル、２０２４：保有状況管理テーブル 1: value information system, 10: issuer terminal, 11: control unit, 20: transaction system, 21: control unit, 22: first communication unit, 23: second communication unit, 24: storage unit, 30: general user Terminal, 40: seller terminal, 50: sponsor terminal, 201: instruction receiving unit, 202: database, 203: request receiving unit, 204: generating unit, 205: transmitting unit, 206: receiving unit, 207: first assigning unit , 208: value information receiving unit, 209: second assigning unit, 210: exchange system, 211: arithmetic processing circuit, 212: memory, 213: database, 215: selecting unit, 220: settlement system, 241: program, 2022 : Issue management table, 2024: Holding status management table

Claims (8)

  1. 　決済部に対して、第１ユーザに対する必要な商品またはサービスの支払いを行うために必要な価値情報を受け付ける受付部と、
    　前記価値情報のうち、所定の取引を行うための対価に相当する価値情報を、前記第１ユーザに付与し、残りの前記価値情報のうちの少なくとも一部に相当する価値情報を、前記価値情報に関連し、前記決済部の外部に設けられた第２ユーザに付与する付与部と、を有する、価値情報システム。     A receiving unit for receiving, to the settlement unit, value information necessary for paying a necessary product or service to the first user;
    Among the value information, value information corresponding to a price for conducting a predetermined transaction is given to the first user, and value information corresponding to at least a part of the remaining value information is converted to the value information. And a granting unit for granting to a second user provided outside the settlement unit.
  2. 　前記受付部は、前記残りの前記価値情報のうちの少なくとも一部に相当する前記価値情報を、前記第１ユーザとは異なり、前記価値情報に関連付けられた第３ユーザから受け付ける、請求項１に記載の価値情報システム。 2. The receiving unit according to claim 1, wherein the value information corresponding to at least a part of the remaining value information is received from a third user different from the first user and associated with the value information. 3. Value information system described.
  3. 　前記受付部は、価値情報の種類を指定する情報を受け付け、
    　前記付与部は、前記受付部において受け付けた前記価値情報の種類を指定する情報に基づいて、残りの前記価値情報のうちの少なくとも一部に相当する価値情報を、前記価値情報に関連し、前記決済部の外部に設けられた第２ユーザに付与する、請求項２に記載の価値情報システム。     The receiving unit receives information specifying a type of value information,
    The giving unit, based on the information specifying the type of the value information received in the receiving unit, related to the value information corresponding to at least a part of the remaining value information, the value information, The value information system according to claim 2, wherein the value information system is provided to a second user provided outside the settlement unit.
  4. 　第１の所定の条件に基づいて前記価値情報の種類を選択し、選択した価値情報の種類の情報を前記受付部に送信する選択部を有する、
    　請求項３に記載の価値情報システム。     A selection unit that selects a type of the value information based on a first predetermined condition, and transmits information of the selected type of the value information to the reception unit;
    The value information system according to claim 3.
  5. 　前記付与部は、前記選択部で選択された前記価値情報の種類の情報を、前記支払いを行った第４ユーザに付与し、
    　前記選択部は、前記第４ユーザから入力された情報に基づいて、前記価値情報の種類を選択する、
    　請求項４に記載の価値情報システム。     The assigning unit assigns information of the type of the value information selected by the selecting unit to the fourth user who has made the payment,
    The selection unit selects a type of the value information based on information input from the fourth user;
    The value information system according to claim 4.
  6. 　前記第３ユーザは、複数であって、
    　前記選択部は、前記複数の第３ユーザのうち、第２の所定の条件に基づいて、少なくとも一つの第３ユーザを選択する、
    　請求項４または５に記載の価値情報システム。     The third user is plural,
    The selection unit selects at least one third user from the plurality of third users based on a second predetermined condition;
    The value information system according to claim 4.
  7. 　前記付与部は、前記支払いを行った第４ユーザに前記残りの価値情報のうちの他の一部に相当する前記価値情報を付与する、
    　請求項１乃至６のいずれか一項に記載の価値情報システム。     The assigning unit assigns the value information corresponding to another part of the remaining value information to the fourth user who has made the payment,
    The value information system according to claim 1.
  8. 　前記付与部は、前記受付部が前記価値情報を受け付けたときに、前記支払いを行った第４ユーザにメッセージ情報を付与する、
    　請求項１乃至７のいずれか一項に記載の価値情報システム。     The giving unit, when the receiving unit receives the value information, gives the message information to the fourth user who made the payment,
    The value information system according to claim 1.
PCT/JP2019/027974 2018-09-19 2019-07-16 Value information system WO2020059272A1 (en)

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PCT/JP2018/034589 WO2020059039A1 (en) 2018-09-19 2018-09-19 Value information system, value distribution method, and program
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JPPCT/JP2018/034613 2018-09-19

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JP2003016366A (en) * 2001-06-29 2003-01-17 Oki Electric Ind Co Ltd Charge collection system and its control program
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