WO2020230540A1

WO2020230540A1 - Mail order system and mail order method through virtual currency settlement

Info

Publication number: WO2020230540A1
Application number: PCT/JP2020/017110
Authority: WO
Inventors: 謙一郎宮本
Original assignee: 謙一郎宮本
Priority date: 2019-05-16
Filing date: 2020-04-20
Publication date: 2020-11-19
Also published as: JPWO2020230540A1; JP6810500B1

Abstract

In order to remove the burden or trouble involved in handling virtual currency and to enable enjoying the full benefit of convenience in trading with virtual currency, this mail order system is characterized by being functionally configured such that: when a wallet function unit 700 has verified authenticity of virtual currency remitted from a user terminal 500, 600, a mall operator server 300 transmits order information about a specified commercial product to a store operator terminal 400, and provides, to the store operator terminal 400, legal currency corresponding to the virtual currency commensurate with the price of the commercial product specified by the user terminal 500, 600; and the store operator terminal 400 in turn provides the specified commercial product to the side of the user terminal 500, 600.

Description

Mail order system and mail order method by virtual currency payment

The present invention relates to a mail-order system and a mail-order method using an EC (Electronic Commerce) site, particularly a mail-order system that enables payment in both virtual currency and legal currency on the Internet and a mail-order method by virtual currency payment. ..

Conventionally, a mail-order system that operates a shopping mall that introduces and provides various products including services on the Internet using a public network (public line network) has become widespread. It is a mail-order system using a so-called EC site.

This mail-order system usually consists of the terminal equipment of the operator who operates the shopping mall, the terminal equipment of the user who visits the shopping mall and purchases the product, and the terminal equipment of the store which is the provider of the product. Is to be done. Therefore, when the user purchases a desired product, the user pays the operator a currency commensurate with the price set for the product.

When making an immediate payment on the Internet, it is common to make a payment in legal tender using a credit card, debit card, or electronic money. However, payments made on the Internet using these cards and electronic money are not perfect even if they are made by encrypted communication, and unexpected card information leaks and malicious information leaks / malicious intent. The risk of information acquisition by a third party remains.

Recently, with regard to payments at shopping malls on the Internet, shopping malls that allow payments using virtual currency have appeared. When paying with virtual currency, the above risk is reduced compared to legal tender, but it is necessary to consider the exchange rate with legal tender.

Patent Document 1 below discloses a system that sets a conversion rate between virtual currency and legal tender based on information on events and information on products, and enables payment of products using virtual currency. In this case, at an event where products are settled using virtual currency, the conversion rate between virtual currency and legal tender is set based on the information about the event and the information about the products handled by the stores that open at the event. By changing the conversion rate according to the progress of the event, inventory management and settlement procedures can be simplified.

Patent Document 2 below discloses a virtual currency trading system that makes it possible to avoid the risk of exchange rate fluctuations when trading goods and services using virtual currency. In this case, when the store buys and sells goods and provides services to customers, the virtual currency trading system receives virtual currency (unpaid data as electronic data) at this timing and virtual currency. By confirming the exchange rate of the virtual currency with the virtual currency exchange, recording the exchange rate of the virtual currency, and being able to calculate the amount to be deposited in the bank account from the exchange rate of the virtual currency, at the time of transaction and settlement In transactions using virtual currencies whose exchange rate fluctuates from time to time, stores that receive payment of virtual currency from customers can settle at the exchange rate at the time of transaction.

JP-A-2018-128740 Japanese Unexamined Patent Publication No. 2019-28962

In general, virtual currencies have the advantage of being superior to legal tenders in terms of remittance and security. For example, remittances are quick and fees are low, and it is virtually impossible to tamper with transactions.

On the other hand, it is usually necessary to set up an account dedicated to virtual currency at stores that carry out mail-order sales using EC sites that perform transactions and settlements in virtual currency. In addition, the fluctuation range of the exchange rate of virtual currency is larger than that of legal tender. In addition, accounting and tax measures require expertise and are not easy.

These are concerns when considering and planning new store participation. It is troublesome in terms of management even for stores that have already traded and settled in virtual currency, and the large fluctuation range of the exchange rate is a risk factor in terms of sales.

What is disclosed in Patent Document 1 is merely a setting of conversion rates between virtual currency and legal tender so that the conversion rate fluctuates according to the progress of the event, and is used for mail-order sales using EC sites. In this case, it is still not possible for the store operator to eliminate the troublesome management and the exchange rate with a large fluctuation range, and such an idea cannot be found.

What is disclosed in Patent Document 2 is merely a thing that allows a store that has received payment of virtual currency from a customer to settle at the exchange rate at the time of transaction, and in mail-order sales using an EC site, It is still not possible to eliminate the troublesome management and the exchange rate with a large fluctuation range, and such an idea cannot be found.

By the way, in the case of the product price in virtual currency, the products introduced in the shopping mall tend to have fast and large exchange fluctuations. For this reason, for example, the price of a product that the user has marked as available for purchase in advance may rise at a later date, and the user may give up the purchase. This is an unfortunate situation in which not only the user side misses the purchase timing of the desired product but also the store side and the operator miss the sales opportunity.

The present invention has been made in consideration of the above circumstances, and is a mail-order system and a virtual currency that eliminates the troublesomeness and troubles when handling the above-mentioned virtual currency and enables anyone to easily open a store in a shopping mall via the Internet. The purpose is to provide a mail-order sales method by payment.
Another object of the present invention is to provide a mail-order system for monitoring product prices in fluctuating virtual currencies so as not to miss the opportunity to purchase and sell products, and a mail-order sales method using virtual currency settlement.
Furthermore, an object of the present invention is to provide a mail-order system that maximizes the convenience of transactions using virtual currency and a mail-order method using virtual currency settlement.

The present invention is characterized in that it has the following configuration in order to achieve the above object.

(1) Operate a private network that connects to a public network and an internet shopping mall that connects to the public network via this private network and introduces various products on the public network, and also uses virtual currency and legal currency for the product. The mall operator server having a payment function and the above public network are connected to provide information on the above products to the above Internet shopping mall, and the above mall operator server is connected to the above products via the above private network to the above legal currency. A product designation function that connects to a store operator terminal that has a statutory currency settlement function to settle in the Internet via the public network, accesses the Internet shopping mall, and specifies a desired product from the above products, and the designation. Regarding a desired product, the mall operator server is a user terminal having a virtual currency payment function for payment in the virtual currency, and the user terminal connected to the public network via the private network to obtain the desired product. When specified, dedicated one-time address information corresponding to the product designation is generated for the user terminal, and based on this one-time address information, a virtual currency having a price corresponding to the desired product specified above is generated for the user terminal. Is sent via the public network, the wallet function unit that confirms the appropriateness of the sent virtual currency on the blockchain, and the user terminal that connects to the private network and is managed by the mall operator server. In a communication sales system including a network unit that stores transmission information from, one-time address information from the wallet function unit, transmission information from the mall operator server, and transmission information from the store operator terminal. ,
When the appropriateness of the virtual currency of the above price sent from the user terminal is confirmed by the wallet function unit, the mall operator server wants the store operator terminal to be designated by the user terminal. The feature is that the function is configured to send the order information about the product of the above and to provide the statutory currency corresponding to the virtual currency of the price corresponding to the desired product specified by the user terminal to the store operator terminal. And.

(2) In the configuration of (1) above, the mall operator server determines the exchange rate between the virtual currency price and the legal tender price of the product at the time when the user terminal specifies the desired product. It is characterized in that it is configured to have an exchange rate holding function for holding a constant time.

(3) In the configuration of (1) or (2) above, if the virtual currency sent from the user terminal is less than the price of the virtual currency set for the product, the mall operator server It is characterized in that it is configured to have a function of sending information on the shortage of virtual currency to the user terminal.

(4) In the configuration of (1), (2) or (3) above, the user terminal concerned with respect to the display price of the above products in the above Internet shopping mall in virtual currency, which fluctuates depending on the exchange rate with legal tender. It has a setting means to set the desired purchase price in the desired virtual currency for the product,
The desired purchase price set by this setting means and the above-mentioned fluctuating display price of the product in virtual currency are monitored, and when the display price of the product in virtual currency becomes less than or equal to the desired purchase price, the information is notified. It is characterized in that it is configured to be provided with a monitoring means for notifying.

(5) The configuration of (4) above is characterized in that a provisional designation means for transmitting provisional purchase designation information for the product is provided with reference to the notification information from the monitoring means.

(6) The mall operator server connects to a public network via a private network and operates an internet shopping mall that introduces various products on the public network, and the user terminal accesses this internet shopping mall to access the above products. A desired product is specified from among the products, and the wallet function unit connects to the public network via the private network to generate dedicated one-time address information regarding the specification of the product, and the above is based on the one-time address information. When the user terminal sends a virtual currency at a price corresponding to the specified desired product via the public network, the wallet function unit confirms the appropriateness of the sent virtual currency on the blockchain, and the above When the appropriateness of the sent virtual currency at the above price is recognized as appropriate, the mall operator server specifies the above-mentioned desired product and the store operator terminal that provides information about the product. It is characterized in that it is configured to send order information about a product and provide the store operator terminal with a statutory currency corresponding to a virtual currency having a price corresponding to the desired product.

(7) In the configuration of (6) above, the mall operator server determines the exchange rate between the virtual currency price and the legal tender price of the product at the time when the user terminal specifies the desired product. It is characterized in that it is configured to hold a constant time.

(8) In the configuration of (6) or (7) above, if the virtual currency to be sent is less than the price of the virtual currency set for the product, the information of the insufficient virtual currency will be sent. It is characterized by being configured.

(9) In the configuration of (6), (7) or (8) above, the user terminal is concerned with the display price of the above products in the above Internet shopping mall in virtual currency, which fluctuates depending on the exchange rate with the legal currency. A desired purchase price in the desired virtual currency for the product is set, and the monitoring means monitors the set desired purchase price and the above-mentioned fluctuating displayed price in the virtual currency of the product, and this monitoring means further monitors the virtual currency of the product. When the displayed price according to the above is less than or equal to the desired purchase price, the information is notified as notification information.

The configuration of (9) above is characterized in that provisional purchase designation information for the product is sent with reference to the notification information from the monitoring means.

According to the above configuration, it is possible for anyone to easily open a store in an Internet shopping mall by eliminating the troublesomeness and inconvenience of handling virtual currency as in the past.

In addition, according to the above configuration, it is possible to reduce the risk of large fluctuations in the exchange rate between virtual currency and legal tender, and since the store side provides products after the order is confirmed, product management becomes easier. is there. Moreover, since the store can safely and reliably receive payments in legal tender without being affected by fluctuations in the exchange rate, it is possible to provide an Internet shopping mall that is easy to use and practically excellent.

Furthermore, according to the above configuration, by monitoring the product price in the fluctuating virtual currency, the user side does not miss the opportunity to purchase the product, and the store side and the operator side also miss the opportunity to sell the product. It can be expected to have the effect of preventing this from happening.

Furthermore, according to the above configuration, the convenience of trading with virtual currency can be enjoyed to the maximum.

According to the present invention, it is possible for anyone to easily open a store in an Internet shopping mall without being bothered and troubled when handling virtual currency.
Further, according to the present invention, the user side does not miss the opportunity to purchase the product, and the store side and the operator side can prevent the opportunity to sell the product.
Further, the present invention has a practically excellent effect because not only the store side but also the user side can enjoy the convenience of the transaction by the virtual currency to the maximum, and the mail order which is easy to use and highly practical can be realized. It is a thing.

It is a figure which shows schematic the whole structure of the mail order system by the virtual currency settlement which concerns on 1st Embodiment of this invention. It is a figure which shows roughly the structure of the mall operator server which concerns on this embodiment. It is a figure which shows roughly the structure of the store operator terminal which concerns on this embodiment. It is a figure which conceptually shows the whole flow of the process of product purchase which concerns on this embodiment. It is a figure which shows the flow of order processing of the product which concerns on this embodiment. It is a figure which shows the flow of payment processing which concerns on this embodiment. It is a figure which shows the flow of the process which confirms the appropriateness of the remittance amount in relation to this embodiment. It is a figure which shows the flow of the process of confirming a virtual currency on a blockchain in relation to this embodiment. It is a figure which shows the flow of the process of order confirmation which concerns on this embodiment. It is a figure which shows the flow of the process of providing the product which concerns on this embodiment. It is a figure which shows schematic the whole structure of the mail order system by the virtual currency settlement which concerns on the 2nd Embodiment of this invention. It is a figure which conceptually shows the whole flow of the process of product purchase using the watching function, which concerns on this embodiment.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.

(First Embodiment)
The communication sales system by virtual currency payment according to the present embodiment is a private network 200 connected to a public network 100, which is a public communication network, and various products connected to the public network 100 via the private network 200. The above is connected to the mall operator server 300, which operates an Internet shopping mall that introduces (including services) and has a payment function in virtual currency and legal currency, which is a form of crypto assets for the product, and the public network 100. It is legal to provide information on products to be exhibited and supplied to Internet shopping malls, and to make it possible to communicate with the mall operator server 300 regarding the products by using, for example, API (Application Program Interface) or E-MAIL, and settle in legal currency. A product designation function that connects to a store operator terminal 400 having a currency settlement function via a public network 100, accesses the Internet shopping mall, and specifies a desired product from the displayed products, and the designated desired product. Regarding the product, the mall operator server 300 is a

user terminal

500, 600 having a virtual currency payment function for payment in virtual currency, and a

user terminal

500, 600 connected to the public network 100 via a private network 200. When a product is specified, dedicated one-time address information corresponding to the product designation is generated for the

user terminals

500 and 600, and a virtual currency having a price corresponding to the desired product specified above is generated based on the one-time address information. When the

user terminals

500 and 600 send out via the public network 100, the wallet function unit 700 that confirms the appropriateness of the sent virtual currency on the blockchain and the mall operator server 300 that connects to the private network 200 A database unit that stores transmission information from

user terminals

500 and 600, one-time address information from wallet function unit 700, transmission information from mall operator server 300, and transmission information from store operator terminal 400 under management ( When the DB) 800 is provided and the wallet function unit 700 confirms the appropriateness of the virtual currency of the above price sent from the

user terminals

500 and 600, the mall operator server 300 refers to the store operator terminal 400. User terminal 500, The mall operator server 300 sends out order information about the desired product specified by 600, and the mall operator server 300 is a virtual currency having a price corresponding to the desired product specified by the

user terminals

500 and 600 with respect to the store operator terminal 400. The legal tender corresponding to the above is provided, and the store operator terminal 400 provides the

user terminal side

500, 600 with the desired product specified above.

Further, in this mail-order system, the mall operator server 300 determines the exchange rate between the virtual currency price and the legal tender price of the product when the

user terminals

500 and 600 specify the desired product. It has an exchange rate holding function that keeps the time constant.

Further, when the virtual currency sent from the

user terminals

500 and 600 is less than the price of the virtual currency set in the product, the mall operator server 300 transmits the insufficient virtual currency information to the

user terminals

500 and 600. It has a function to send.

The public network 100 is connected to a user terminal, particularly an external wallet function management unit 900 that can be used as an external wallet function by a user terminal 600 that does not have a wallet function internally.

Further, the store operator terminal 400, the

user terminals

500, 600, and the external wallet function management unit 900 connected to the public network 100 are located in the public Internet space 10 to which anyone can connect. On the other hand, the mall operator server 300, the wallet function unit 700, and the DB 800 connected to the private network 200 to which only a specific terminal device can be connected are located in a secure closed Internet space 20 having an extremely high security level.

The mall operator server 300 is a server computer, and as shown in FIG. 2, an input / output function under the control of a control processing unit 310 and a control processing unit 310 having a function of controlling and processing the entire server 300. The input / output unit 320, the control processing unit 310, the memory 330 that can read / write various information, and the API management providing unit 340 that manages the information provision related to the API are connected via the signal line 350. It consists of hardware configuration. Thus, the mall operator server 300 has a function in which the control processing unit 310 refers to the predetermined program information stored in the memory 330 and operates the Internet shopping mall on the public network 100, that is, on the Internet space 10. , Based on the product designation information from the

user terminals

500 and 600, the wallet function unit 700 provides the wallet function unit 700 with one-time dedicated one-time address information corresponding to the product designation to the

user terminals

500 and 600. The function to generate the information, the function to acquire the confirmation result by the wallet function unit 700 about the appropriateness of the virtual currency sent from the

user terminals

500 and 600, the order information of the product and the product to the store operator terminal 400. The function of providing a preset legal currency corresponding to the price of the virtual currency and the exchange of various information with the outside via the public network 100 or the private network 200 are written to the DB 800 via the input / output unit 320. The function is configured to erase.
In addition, the mall operator server 300 is functionally configured to adjust the exchange rate between virtual currency and legal tender by compensating for the fluctuation range in real time so that it becomes constant within a predetermined time, not in real time. ..
The memory 330 is accessed by a work area 330a for performing various operations, a program information storage area 330b for storing program information referred to by the control processing unit 310 for performing various control processing / management, an external terminal, or the like. API information storage area 330c that stores agreement information when linking and guidance information (link guidance information) to link destinations that can be linked, currency exchange rate adjustment information that stores exchange rate information between virtual currency and legal currency, etc. Storage area 330d, currency adequacy confirmation information storage area 330e for storing information such as currency adequacy, order information storage area 330f for storing product order-related information, and a shopping mall for storing information related to the operation of the Internet shopping mall. It has a storage area such as an operation information storage area of 330 g.

The store operator terminal 400 is, for example, a personal computer (PC), and as shown in FIG. 3, input / output is performed under the control of a control processing unit 410 and a control processing unit 410 having a function of controlling and processing the entire PC 400. The input / output unit 420 that bears the function and the memory 430 that can be referred to by the control processing unit 410 and read / write various information are connected via the signal line 440, and consist of a hardware configuration from the mall operator server 300 side. It is possible to exchange various information with the mall operator server 300 via the provided API. Then, the store operator terminal 400 provides product information (including service information) to the Internet shopping mall existing in the public Internet space 10, and uses the order information and one-time address information sent from the mall operator server 300. The function is configured to provide the product specified for purchase based on the

user terminals

500 and 600.
The communication with the mall operator server 300 may be performed by E-MAIL protected by an advanced security function without using the API.

The user terminal 500 has a hardware configuration of a control unit 520, an input / output unit 540, a read / write memory 560, and a wallet unit 580, and is, for example, a PC, a tablet terminal, or a smartphone.

Here, the control unit 520 has a function of controlling the control process of the entire system by referring to the predetermined program information stored in the memory 560.

The input / output unit 540 has a function of storing input information such as key input from an internally installed keyboard or pen input from a tablet and information sent from the outside in a memory 560 under the control of the control unit 520. Further, the input / output unit 540 has a function of displaying various information, printing out or outputting voice, and transmitting various information to the outside under the control of the control unit 520. Therefore, a desired product to be exhibited / introduced in the Internet shopping mall is specified via the input / output unit 540, and payment of the price corresponding to the product is sent in virtual currency.

The memory 560 includes a program information storage area for storing program information referred to by the control unit 520 for performing various control processes and management, a temporary storage area for temporarily storing input information, output information, and the like, and various types. It has a storage area such as a work area for performing work.

The wallet unit 580 has a function for storing virtual currency and sending virtual currency to an external wallet under the control of control unit 520, and is a so-called software wallet.

The user terminal 600 has a hardware configuration of a control unit 620, an input / output unit 640, and a read / write memory 660 having the same functions as the user terminal 500, and is, for example, a PC, a tablet terminal, or a smartphone. Unlike the user terminal 500, the user terminal 600 is not equipped with or internally equipped with a wallet function.

The wallet function unit 700 enables access only from the mall operator server 300, and when the

user terminals

500 and 600 specify that the desired product is to be purchased, the one-time dedicated one-time address information regarding the product is specified. Has the function of issuing. This one-time address information is, for example, an encrypted temporary access token consisting of about 30 digits, and in the case of Bitcoin (registered trademark), usually 34 digits of random alphanumeric characters and symbols, but is limited to this. It may be of another form. It should be noted that the one-time address information functions as the address information dedicated to deposits that can be continuously used thereafter once it is issued for the product designated for purchase, and is information that does not have confidentiality. However, in the present embodiment, the function is configured so that the function is not used after the predetermined time and the predetermined period have elapsed. For example, remittance to the one-time address information is possible even after one year, but the Internet shopping mall of this embodiment has a limited function configuration so that even if there is remittance after one year, it will not be accepted. There is. In addition, since the one-time address information is the only non-confidential information to be sent to, it can only be sent to a pre-authenticated address, and it cannot be reused, for example, to improve security. It contributes.

Further, in the wallet function unit 700, the appropriateness of the virtual currency sent from the

user terminals

500 and 600 in relation to the product and the one-time address information, that is, the sent virtual currency is related to the one-time address information. It has a function of periodically confirming that the product is genuine by the blockchain and sending the confirmation result to the mall operator server 300.

The DB 800 can read / write information related to the Internet shopping mall under the control of the mall operator server 300. That is, the one-time address information associated with the

user terminals

500 and 600 sent from the wallet function unit 700, the confirmation information by the blockchain, the payment-related information, and the space between the mall operator server 300 and the store operator terminal 400. Stores information such as communication information (for example, order information) including the communication history of the server.

The external wallet function management unit 900 is a public network when, for example, a terminal device that does not have a wallet function (for example, a user terminal 600) or a terminal device that has a wallet function but does not use it makes a transaction in virtual currency. It is a wallet used through 100. As the external wallet function management unit 900, a virtual currency exchange wallet or a web wallet is assumed.

Regarding the above configuration, the flow until the user terminal 500 or the user terminal 600 accesses the Internet shopping mall, setstles the order of the desired product in virtual currency, and the product is provided will be described below.

When the user terminal 500 or the user terminal 600 accesses the Internet shopping mall (see step S100 in FIG. 4) and orders the desired product, the wallet function unit 700 provides one-time address information dedicated to the product. Issued (step S200).

The user terminal 500 or the user terminal 600 pays the ordered product in virtual currency based on this one-time address information (step S300). Here, for payment from the user terminal 500, the virtual currency stored in the wallet unit 580 provided internally will be sent. Payment from the user terminal 600 is to send out the virtual currency stored in the external wallet function management unit 900 that is affiliated in advance based on the instruction of the user terminal 600.

It is confirmed whether the sent virtual currency is worth the product price (step S400). That is, it is a confirmation that the remittance is made without excess or deficiency.

When it is confirmed that the remittance is just right, the appropriateness of the remitted virtual currency is confirmed on the blockchain (step S500).

If the appropriateness is confirmed on the blockchain and it is judged as a legitimate virtual currency remittance, the order will be confirmed. Then, the mall operator server 300 orders the corresponding product from the store operator terminal 400 via the API (step S600).

Then, the store operator terminal 400 ships and provides the corresponding product to the user terminal 500 or the user terminal 600 side (step S700). When the product is shipped and provided, the mall operator server 300 pays the store operator terminal 400 for the product in legal tender. The price of the product in the legal tender paid here is a price set by the store operator terminal 400 when introducing the product information to the Internet shopping mall, for example, a price based on Japanese yen.

The timing of this payment is not limited to when the product is shipped / provided, but may be when the product is ordered from the mall operator server 300 to the store operator terminal 400, and the payment timing can be set / changed arbitrarily. The payment method is assumed to be a transfer to a preset bank account, but the payment method is not limited to this and other payment methods may be used.

Now, the process of step S200 (“order process”) will be described in detail with reference to FIG.

First, when an order for a desired product is made from the user terminal 500 or the user terminal 600 via the input / output unit 540 or the input / output unit 640 (Y in step S202), the wallet function unit 700 is one regarding the product order. Issue time address information (S204). This one-time address information is sent to the user terminal 500 or the user terminal 600 and recorded in the DB 800.

When there is a subsequent product order (Y in step S206), new one-time address information is issued (S204), sent to the user terminal 500 or the user terminal 600, and recorded in the DB 800. ..

Next, the process of step S300 (“payment process”) will be described in detail with reference to FIG.

When the user terminal 500 or the user terminal 600 receives the one-time address information (step S302), the user terminal 500 or the user terminal 600 pays for the ordered product. That is, the amount of virtual currency corresponding to the product price is remitted to the mall operator server 300 side (step S304). Here, the remittance from the user terminal 500 is the transmission of the virtual currency stored in the wallet unit 580. The remittance from the user terminal 600 means remittance of the virtual currency stored in the external wallet function management unit 900.
The payment may be made using, for example, a QR code (registered trademark) sent together with the one-time address information or a link tagged.

Subsequently, the process of step S400 (“transfer amount confirmation process”) will be described in detail with reference to FIG. 7.

When the remittance of the virtual currency is recognized (Y in step S402), it is confirmed whether the remittance amount is in excess or deficiency of the product price (step S404). Here, when it is confirmed that the remittance is appropriate without excess or deficiency (Y in step S404), the fact that the remittance is an appropriate amount is notified and recorded (step S406). If there is an excess or deficiency (N in step S404), the mall operator server 300 side notifies the user terminal 500 or the user terminal 600 to that effect. If the excess / deficiency state continues even after the lapse of a predetermined time, especially if the shortage state continues, the order information is canceled and the process ends (step S408). Here, the shortage of remittance amount is often caused by the case where the remittance fee is not considered.

If the remittance of the virtual currency is not recognized for a predetermined time (N in step S402), the mall operator server 300 side sends a notification to the user terminal 500 or the user terminal 600 that the remittance has not been performed. Further, if the untransferred state continues even after the lapse of a predetermined time, the order information is canceled and the process ends (step S410).
Further, the remittance from the user terminal 500 or the user terminal 600 may be in the form of a lump sum payment as well as the form of installment payment. Even if the payment is in installments, the one-time address information is linked to the payment, so that the payer can be identified.

Subsequently, the process of step S500 (“blockchain confirmation process”) will be described in detail with reference to FIG.

When it is confirmed that the remittance amount is appropriate, the appropriateness of the remitted virtual currency, that is, confirmation that it is normally distributed and functioning is performed on the blockchain (step S502). This confirmation is carried out until the number of blocks reaches n (n is a natural number) (step S504). Here, until the number of blocks reaches n (N in step S504), the confirmation status from the wallet function unit 700 can be visually recognized by the

user terminals

500 and 600. When the number of blocks reaches n safely (Y in step S504), the appropriateness of the transferred virtual currency is recognized and a notification to that effect is given (step S508). In the present embodiment, n = 4 is set, but the present invention is not limited to this, and can be changed as appropriate.

For such confirmation, the wallet function unit 700 periodically confirms the blockchain, and the confirmation result is periodically notified to the mall operator server 300. Here, if there is no periodic notification from the wallet function unit 700, the mall operator server 300 is functionally configured to access the wallet function unit 700 and grasp the confirmation status. Further, if the confirmation status cannot be grasped even after the lapse of a predetermined time, the order information is canceled and the processing is terminated.

The process of step S600 (“order confirmation process”) will be described with reference to FIG.

When the appropriateness is confirmed on the blockchain and it is judged that the remittance is a legitimate virtual currency, the payment is confirmed and the order is confirmed (step S602). The mall operator server 300 sends order information about the product designated for purchase to the store operator terminal 400, and when the store operator terminal 400 receives the order information, the order is confirmed (step S604). The order may be confirmed at the time when the confirmation by the blockchain is started.

Finally, the process of step S700 (“product provision process”) will be described with reference to FIG.

When the order is confirmed, the store operator terminal 400 ships and provides the designated product to the user terminal 500 or the user terminal 600 (step S702). When the shipping / provision is completed, the mall operator server 300 pays the store operator terminal 400 for the product in legal tender (step S704).
When the processing from a series of product orders to provision is completed, the DB 800 is updated and the one-time address information remains as proof of the product transaction (step S706).

According to the above embodiment, it is possible for anyone to easily open a store in a shopping mall by eliminating the troublesomeness and troubles when handling virtual currency as in the past. In particular, the store operator terminal 400 can trade at a commodity price in a legal tender set by itself.

Further, according to the above embodiment, it is possible to reduce the risk of large fluctuations in the exchange rate between the virtual currency and the legal tender, and the store side provides the product after the order is confirmed, which facilitates product management. Is. Moreover, since the store side can reliably and reliably receive payment in legal currency, it is possible to provide an Internet shopping mall that is easy to use and practically excellent.

Furthermore, according to the above embodiment, the convenience and security of transactions using virtual currencies can be enjoyed to the maximum.

(Second Embodiment)
Subsequently, the second embodiment of the present invention will be described with reference to the drawings. The feature of this embodiment is the desire set in advance by the user terminal side by monitoring and watching the product price in the fluctuating virtual currency with respect to the mail-order system by the virtual currency settlement described in detail in the first embodiment. When the price falls below the price of the purchased product, a function is added to notify the fact and enable a provisional order for the product as desired. The same parts and / or the same functions / operations as those in the first embodiment will be described in detail below with reference to the above-mentioned figures with the same numbers and the same symbols, omitting some explanations.

As shown in FIG. 11, the communication sales system by virtual currency payment according to the present embodiment is connected to a private network 200 connected to a public network 100, which is a public communication network, and a public network 100 connected to the public network 100 via the private network 200. An internet shopping mall that introduces various products (including services) on the network 100, and a mall operator server 300 that has a payment function in virtual currency and legal currency, which are a form of crypto assets for the product, and public It connects to the network 100 and provides product information to be displayed and supplied to the Internet shopping mall, and can communicate with the mall operator server 300 regarding the product by using, for example, API (Application Program Interface) or E-MAIL. Product designation that specifies a desired product from the products displayed by accessing the Internet shopping mall by connecting to a store operator terminal 400 having a legal currency payment function for payment in legal currency via a public network 100 With respect to the function and the specified desired product, the mall operator server 300 is a user who connects to the public network 100 via the

user terminals

500 and 600 having a virtual currency settlement function and the private network 200 to settle in virtual currency. When the

terminals

500 and 600 specify a desired product, a dedicated one-time address information corresponding to the product designation is generated for the

user terminals

500 and 600, and the desired product specified above is generated based on the one-time address information. When the

user terminals

500 and 600 send the virtual currency of the corresponding price via the public network 100, the wallet function unit 700 that confirms the appropriateness of the sent virtual currency on the blockchain and the private network 200 are connected. Transmission information from

user terminals

500 and 600, one-time address information from wallet function unit 700, transmission information from mall operator server 300, and transmission from store operator terminal 400 under the control of the mall operator server 300. When the network unit (DB) 800 for storing information is provided and the wallet function unit 700 confirms the appropriateness of the virtual currency of the above price sent from the

user terminals

500 and 600, the mall operator server 300 is a store. For the operator terminal 400 Then, the order information regarding the desired product specified by the

user terminals

500 and 600 is sent, and the mall operator server 300 further sends the desired product specified by the

user terminals

500 and 600 to the store operator terminal 400. The statutory currency corresponding to the virtual currency having the price corresponding to the above is provided, and the store operator terminal 400 provides the

user terminal side

500, 600 with the desired product specified above.

user terminals

Further, when the virtual currency sent from the

user terminals

500 and 600. It has a function to send.

Further, the public network 100 is connected to a user terminal, particularly an external wallet function management unit 900 that can be used as an external wallet function by a user terminal 600 that does not have a wallet function internally.

In addition, the

user terminals

500 and 600 have a function of setting a desired purchase price in the desired virtual currency for the product with respect to the display price in the virtual currency of the product of the Internet shopping mall, which fluctuates depending on the exchange rate with the legal currency. ..

Therefore, in this mail-order system, the desired purchase price set on the

user terminals

500 and 600 and the displayed price of the fluctuating product in the virtual currency are monitored, and the product is displayed in the virtual currency. A monitoring function unit 1000 having a function of notifying the information as notification information when the price becomes equal to or less than the desired purchase price is provided. Further, a temporary designation unit 1100 is also provided, which sends out provisional purchase designation information for the product by referring to the notification information from the monitoring function unit 1000.

Here, the monitoring function unit 1000 and / or the temporary designation function unit 1100 may be configured to be installed internally in, for example, a mall operator server 300, a store operator terminal 400, or a

user terminal

500, 600, or the present implementation. It may be configured to be independently provided in the Internet space as in the form.

The store operator terminal 400, the

user terminals

500, 600, and the external wallet function management unit 900 connected to the public network 100 are located in the public Internet space 10 to which anyone can connect. On the other hand, the mall operator server 300, the wallet function unit 700, the DB 800, the monitoring function unit 1000, and the temporary designation function unit 1100 connected to the private network 200 to which only a specific terminal device can be connected are securely closed with an extremely high security level. It exists in the Internet space 20.

The mall operator server 300 is a server computer, and is a control processing unit 310 and a control processing unit having a function of controlling the entire control and processing of the server 300 as shown in FIG. 2 as in the first embodiment described above. The input / output unit 320, which is responsible for the input / output function under the control of 310, the memory 330, which can be referred to by the control processing unit 310 and can read / write various information, and the API management provision unit 340, which is responsible for the management function of providing information on the API, are signals. It consists of a hardware configuration connected via a wire 350. Thus, the mall operator server 300 has a function in which the control processing unit 310 refers to the predetermined program information stored in the memory 330 and operates the Internet shopping mall on the public network 100, that is, on the Internet space 10. , Based on the product designation information from the

user terminals

The store operator terminal 400 is, for example, a personal computer (PC), and as shown in FIG. 3, a control processing unit 410 having a function of controlling the entire control and processing of the PC 400 as in the first embodiment described above, control processing. It consists of a hardware configuration in which an input / output unit 420 that handles input / output functions under the control of unit 410 and a memory 430 that can be referred to by the control processing unit 410 and read / write various information are connected via a signal line 440. , Various information can be exchanged with the mall operator server 300 via the API provided from the mall operator server 300 side. Then, the store operator terminal 400 provides product information (including service information) to the Internet shopping mall existing in the public Internet space 10, and uses the order information and one-time address information sent from the mall operator server 300. The function is configured to provide the product specified for purchase based on the

user terminals

The user terminal 500 has a hardware configuration of a control unit 520, an input / output unit 540, a read / write memory 560, and a wallet unit 580, and is, for example, a PC, a tablet terminal, or a smartphone. The user terminal 500 has a function of setting a desired purchase price in a desired virtual currency for the product with respect to the display price in the virtual currency of the product of the Internet shopping mall, which fluctuates depending on the exchange rate with the legal currency.

Further, the input / output unit 540 sets a desired purchase price in a desired virtual currency for the desired product displayed / introduced in the Internet shopping mall under the control of the control unit 520, transmits the information, and transmits the information. Has a function of receiving information related to.

The user terminal 600 has a hardware configuration of a control unit 620, an input / output unit 640, and a read / write memory 660 having the same functions as the user terminal 500, and is, for example, a PC, a tablet terminal, or a smartphone. Similar to the user terminal 500, the user terminal 600 sets the desired purchase price of the product in the Internet shopping mall, which fluctuates depending on the exchange rate with the legal tender, in the virtual currency. Has a function to set. That is, it has a function of setting a desired purchase price in a desired virtual currency for the product with respect to the displayed price in the virtual currency of the product of the Internet shopping mall that fluctuates depending on the exchange rate with the legal currency.
Unlike the user terminal 500, the user terminal 600 is not equipped with or internally equipped with a wallet function.

user terminals

500 and 600 specify that the desired product is to be purchased, the one-time dedicated one-time address information regarding the product is specified. Has the function of issuing. This one-time address information is, for example, an encrypted temporary access token consisting of about 30 digits, and in the case of Bitcoin (registered trademark), usually 34 digits of random alphanumeric characters and symbols, but is limited to this. It may be of another form. It should be noted that the one-time address information functions as the address information dedicated to deposits that can be continuously used thereafter once it is issued for the product designated for purchase, and is information that does not have confidentiality. However, in the present embodiment, the function is configured so that the function is not used after the predetermined time and the predetermined period have elapsed. For example, remittance to the one-time address information is possible even after one year, but the Internet shopping mall of this embodiment has a limited function configuration so that even if there is remittance after one year, it will not be accepted. There is.

user terminals

Under the control of the mall operator server 300, the monitoring function unit 1000 receives the desired purchase price sent from the

user terminals

500 and 600, that is, the desired purchase of the products exhibited and introduced in the Internet shopping mall in virtual currency. It has a function to receive and refer to the price and regularly watch the price of the product in virtual currency. Further, the monitoring function unit 1000 has a function of notifying the

user terminals

500 and 600 of the information when the watched product falls below the desired purchase price.

Under the control of the mall operator server 300, the provisional designation function unit 1100 sends out provisional purchase designation (that is, provisional order) information for the product by referring to the notification information from the monitoring function unit 1000, and also provides provisional designation. It has a function of notifying the

user terminals

500 and 600 that the purchase has been specified. Here, the provisional purchase designation is functionally configured so that it can be arbitrarily set in advance on the

user terminals

500 and 600.

Regarding the above configuration, the flow of purchase in which the user terminal 500 or the user terminal 600 accesses the Internet shopping mall, finds a desired product, sets a desired purchase price, and describes the purchase flow will be described below with reference to FIG. ..

When the user terminal 500 or the user terminal 600 accesses the Internet shopping mall (step S1210) and there is a desired product to be purchased, the product is specified via the input / output unit 540 or the input / output unit 640 (step). S1220).

Then, the mall operator server 300 asks whether to start the purchase procedure immediately for the product or when the purchase price falls below the desired purchase price (use of the watching function). The desired purchase form is selected on the terminal 500 or the user terminal 600 side (step S1230).
Here, when the procedure for purchasing the product is started immediately (N in step S1230), the process proceeds to the process after step S200 in FIG. 4 (step S1280). On the other hand, when the procedure for purchasing the product using the watching function is performed (Y in step S1230), the process proceeds to the setting process of the desired purchase price (step S1240).

In the desired purchase price setting process, the desired price of the product in virtual currency is input via the input / output unit 540 or the input / output unit 640. This input information is referred to by the monitoring function unit 1000 and periodically compares the price of the product with the set desired price.

After setting the desired price, the process proceeds to the provisional order setting process (step S1250). In this setting process, when the monitoring function unit 1000 determines that the price of the product is equal to or less than the desired price, the provisional designation function unit 1100 automatically places a temporary order for the product based on the determination. Whether or not it is selected and set via the input / output unit 540 or the input / output unit 640.
Although the provisional order setting process is provided in the present embodiment, it is needless to say that the process flow may be such that only the watching function by the monitoring function unit 1000 is used without providing this process.

After setting the desired purchase price and the provisional order, the monitoring function unit 1000 starts watching (step S1260). The monitoring function unit 1000 periodically compares the price of the product with the set desired price, and when the product price falls below the desired price, notifies the user terminal 500 or the user terminal 600 of the information. become. Here, if the provisional order is set, the provisional designation function unit 1100 places a provisional order for the product, and the provisional order information is sent to the user terminal 500 or the user terminal 600 side together with the price information. It will be.
In this embodiment, the function is configured to notify the user terminal 500 or the user terminal 600 of the information when the product price falls below the desired price, but the function is not limited to this, and the information is periodically or arbitrarily. Of course, the function may be configured to notify the user terminal 500 or the user terminal 600 of the product price information.

The user terminal 500 or the user terminal 600 wishes to purchase the product via the input / output unit 540 or the input / output unit 640 based on the information sent from the monitoring function unit 1000 or the temporary designation function unit 1100. Will be determined (step S1270).
Here, when the purchase request is selected (Y in step S1270), the process proceeds to the process after step S200 in FIG. 4, and the process flow is the same as in the first embodiment described above (step S1280). On the other hand, if the purchase request is not selected (N in step S1270), the process proceeds to other processing such as giving up the purchase or resetting the desired purchase price (step S1290).

According to the above embodiment, by adding the monitoring function and the provisional order function to the above-mentioned first embodiment, in addition to the effect of the above-mentioned first embodiment, the

user terminals

500 and 600 side miss the opportunity to purchase the product. This is an extremely practical and useful effect that it is possible to prevent the store operator terminal 400 side and the mall operator server 300 side from missing the opportunity to sell the product.

The present invention is not limited to the above embodiment, and the present invention is not limited to the product price in the virtual currency affected by the exchange fluctuation with the legal tender, but also the product in the virtual currency affected by the fluctuation of the product price itself in the legal tender. It is of course applied to the price and various modifications are possible as long as it does not deviate from the gist.

100 ... Public network 200 ... Private network 300 ... Mall operator server 400 ...

Store operator terminals

500, 600 ... User terminals 700 ... Wallet function unit 800 ... DB (database unit)
900 ... External wallet function unit 1000 ... Monitoring function unit 1100 ... Temporary designation function unit

Claims

A private network that connects to a public network and
A mall operator server that connects to a public network via this private network, operates an Internet shopping mall that introduces various products on the public network, and has a payment function in virtual currency and legal tender for the product.
A statutory currency settlement function that connects to the public network and provides information about the above products to the Internet shopping mall, and connects to the mall operator server for the products via the above private network to settle in the above statutory currency. With the store operator terminal that you have
Accessing the Internet shopping mall by connecting via the public network, the product designation function that specifies the desired product from the above products, and the mall operator server for the specified desired product are in the above virtual currency. With a user terminal that has a virtual currency payment function that makes payments
When the user terminal specifies a desired product by connecting to the public network via the private network, dedicated one-time address information corresponding to the product designation is generated for the user terminal, and this one-time When the user terminal sends a virtual currency at a price corresponding to the desired product specified above based on the address information via the public network, the appropriateness of the sent virtual currency is confirmed on the blockchain. Wallet function part and
Connected to the private network, under the control of the mall operator server, the transmission information from the user terminal, the one-time address information from the wallet function unit, the transmission information from the mall operator server, and the store operator. It is a communication sales system that has a database unit that stores information sent from the terminal.
When the appropriateness of the virtual currency with the above price sent from the user terminal is confirmed by the wallet function unit,
The mall operator server sends order information about a desired product specified by the user terminal to the store operator terminal, and is designated by the user terminal to the store operator terminal. A mail-order system that provides legal tender corresponding to virtual currency at a price corresponding to a desired product.
The mall operator server has an exchange rate holding function that holds the exchange rate between the virtual currency price and the legal tender price of the product at the time when the user terminal specifies the desired product at a constant time for a predetermined time. The mail-order system according to claim 1, which is characterized.
When the virtual currency sent from the user terminal is less than the price of the virtual currency set for the product, the mall operator server has a function of sending the insufficient virtual currency information to the user terminal. The mail-order system according to claim 1 or 2, characterized in that it has.
The user terminal has a setting means for setting a desired purchase price in the desired virtual currency for the product with respect to the display price of the product in the Internet shopping mall in the virtual currency, which fluctuates depending on the exchange rate with the legal currency.
The desired purchase price set by this setting means and the above-mentioned fluctuating display price of the product in virtual currency are monitored, and when the display price of the product in virtual currency becomes less than or equal to the desired purchase price, the information is notified. The mail-order system according to claim 1, claim 2 or claim 3, wherein a monitoring means for notifying information is provided.
The mail-order system according to claim 4, wherein a provisional designation means for transmitting provisional purchase designation information for the above-mentioned product is provided with reference to the notification information from the above-mentioned monitoring means.
The mall operator server connects to the public network via the private network and operates an internet shopping mall that introduces various products on the public network.
The user terminal accesses this Internet shopping mall, specifies the desired product from the above products, and
The wallet function unit connects to the public network via the private network and generates dedicated one-time address information regarding the designation of the product.
When the user terminal sends a virtual currency at a price corresponding to the desired product specified above based on the one-time address information via the public network, the wallet function determines the appropriateness of the sent virtual currency. The department confirms with the block chain,
When the appropriateness of the sent virtual currency of the above price is recognized as appropriate, the mall operator server is designated as described above for the product and the store operator terminal that provides information on the product. By virtual currency settlement, which is characterized by sending order information about a desired product and providing the store operator terminal with a legal tender corresponding to the virtual currency at a price corresponding to the desired product. Mail sales method.
The mall operator server is characterized in that the exchange rate of the price in virtual currency and the price in legal currency at the time when the user terminal specifies a desired product is kept constant for a predetermined time. The mail-order method by virtual currency settlement according to claim 6.
The virtual currency according to claim 6 or 7, wherein when the transmitted virtual currency is less than the price of the virtual currency set for the product, the information of the insufficient virtual currency is transmitted. Communication sales method by currency settlement.
The user terminal sets the desired purchase price in the desired virtual currency for the product with respect to the display price in the virtual currency of the product in the Internet shopping mall, which fluctuates depending on the exchange rate with the legal currency.
The monitoring means monitors the set desired purchase price and the displayed price of the above-mentioned fluctuating product in virtual currency.
The sixth, seventh, or eighth claim, wherein the monitoring means notifies the information as mail-order information when the displayed price of the product in the virtual currency becomes equal to or less than the desired purchase price. Mail order method by virtual currency settlement.
The mail-order sales method by virtual currency settlement according to claim 9, wherein provisional purchase designation information for the product is sent with reference to the notification information from the monitoring means.