WO2021255902A1 - Système d'échange de monnaie numérique, procédé d'échange de monnaie numérique et programme - Google Patents

Système d'échange de monnaie numérique, procédé d'échange de monnaie numérique et programme Download PDF

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Publication number
WO2021255902A1
WO2021255902A1 PCT/JP2020/023994 JP2020023994W WO2021255902A1 WO 2021255902 A1 WO2021255902 A1 WO 2021255902A1 JP 2020023994 W JP2020023994 W JP 2020023994W WO 2021255902 A1 WO2021255902 A1 WO 2021255902A1
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Prior art keywords
digital currency
cashing
delivery company
delivery
predetermined
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PCT/JP2020/023994
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English (en)
Japanese (ja)
Inventor
高志 渡邊
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株式会社日立物流
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Application filed by 株式会社日立物流 filed Critical 株式会社日立物流
Priority to PCT/JP2020/023994 priority Critical patent/WO2021255902A1/fr
Priority to JP2021516835A priority patent/JP7078804B1/ja
Publication of WO2021255902A1 publication Critical patent/WO2021255902A1/fr
Priority to JP2022082660A priority patent/JP2022103393A/ja

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme

Definitions

  • the present invention relates to a digital currency conversion system for converting digital currency, a digital currency conversion method and a program.
  • Patent Document 1 a technology for automatically exchanging digital currency that can be used on a mobile terminal into the digital currency of the place of stay is disclosed (see Patent Document 1).
  • a digital currency suitable for the currency of stay can be easily used as a currency used by consumers.
  • digital currencies are also used in business-to-business transactions due to the convenience of payment.
  • the digital currency is issued by a financial institution or a company with high credit (credit card operating company, etc.) to the delivery company that outsourced the delivery, the value relative to the legal currency is stable ( Or fixed), so you can make payments faster than cash and with credit as a currency.
  • FIG. 2 conventionally, when a delivery orderer outsources a delivery business to a delivery company, when the delivery by the delivery company is completed, the payment of the delivery business is made by the bank at the end of the following month of the delivery completion date. It is done by transfer etc.
  • the delivery company has a time lag from the completion of delivery to the transfer to the bank, and the immediacy of payment to the delivery company is impaired.
  • the present inventor is a system in which when a delivery company receives payment in digital currency, it is more advantageous for the delivery company to hold the digital currency than to convert it into cash (legal tender such as yen or US dollar).
  • cash legal tender such as yen or US dollar.
  • the present invention provides the following solutions.
  • the present invention is a digital currency exchange system for exchanging digital currencies.
  • the issuer that issues digital currency for payment from the delivery orderer to the delivery company, A transfer unit that transfers the issued digital currency to the delivery company's account, A reception unit that accepts cashing instructions for cashing the digital currency from the delivery company, If a cashing instruction is received from the delivery company before the lapse of a predetermined period, a predetermined discount rate is applied to the predetermined cashing rate to convert the digital currency into the first cashing unit. If the delivery company does not receive a cashing instruction before the lapse of a predetermined period, the delivery company is provided with a second cashing unit for cashing the digital currency based on a predetermined cashing rate after the lapse of the predetermined period. It provides a digital currency exchange system characterized by this.
  • the digital currency exchange system issues digital currency for payment from the delivery orderer to the delivery company, and transfers the issued digital currency to the delivery company's account. Then, if the delivery company accepts the conversion instruction to convert the digital currency and receives the conversion instruction from the delivery company before the lapse of the predetermined period, the predetermined discount rate is applied to the predetermined conversion rate. , Redeem the digital currency. On the other hand, if the delivery company does not receive a cashing instruction before the lapse of the predetermined period, the digital currency is cashed based on the predetermined cashing rate after the lapse of the predetermined period.
  • the present invention is in the category of systems, but in other categories such as computers, methods and programs, the same actions and effects are exhibited according to the categories.
  • a digital currency exchange system a digital currency exchange method and a program, which are beneficial to digital currency holders by quickly paying a delivery company in digital currency and holding the digital currency for a certain period of time, are provided. It becomes possible to do.
  • FIG. 1 is a diagram showing an outline of the digital currency exchange system 1.
  • FIG. 2 is a conceptual diagram for explaining payment in digital currency.
  • FIG. 3 is an overall configuration diagram of the digital currency exchange system 1.
  • FIG. 4 is a diagram showing a flowchart of a transfer process executed by the computer 10.
  • FIG. 5 is a diagram showing a flowchart of a period / discount rate notification process executed by the computer 10.
  • FIG. 6 is a diagram showing a flowchart of an automatic cashing process executed by the computer 10.
  • FIG. 7 is a diagram showing a flowchart of a manual cashing process executed by the computer 10.
  • FIG. 8 is a diagram schematically showing the transition of the discount rate.
  • FIG. 9 is a diagram schematically showing the transition of the discount rate.
  • FIG. 10 is a diagram schematically showing the transition of the discount rate.
  • FIG. 1 is a diagram for explaining an outline of a digital currency cashing system 1 which is a preferred embodiment of the present invention.
  • the digital currency exchange system 1 is driven by a computer 10 managed by a financial institution (for example, a government-affiliated financial institution, a bank, a city bank, a local bank, an insurance company, a non-bank, a credit card operating company, etc.) (hereinafter, a financial institution). It is a computer system that can be configured to convert digital currencies.
  • a financial institution for example, a government-affiliated financial institution, a bank, a city bank, a local bank, an insurance company, a non-bank, a credit card operating company, etc.
  • the digital currency exchange system 1 includes a delivery orderer terminal managed by a delivery orderer, a delivery company terminal managed by a delivery company, a subcontractor delivery company terminal managed by a subcontractor delivery company further entrusted by the delivery company, and other terminals. Terminals, devices, etc. may be included.
  • the digital currency cashing system 1 is composed of the computer 10 and any one or a plurality of combinations of the above-mentioned terminals and devices for the processing described later.
  • the computer 10 is a computer having a server function, a personal computer, or the like, and has data with the above-mentioned delivery orderer terminal, delivery company terminal, subcontractor delivery company terminal, other terminals, devices, etc., via a public network or the like. It is connected to be communicable and performs necessary data transmission / reception and various processing.
  • the computer 10 may be realized by, for example, one computer, or may be realized by a plurality of computers such as a cloud computer.
  • the term "cloud computer” as used herein includes a computer that uses an arbitrary computer in a scalable manner when performing a specific function, and a plurality of functional modules for realizing a certain system, and the functions are freely combined and used. Any of them may be used.
  • the computer 10 is provided with a CPU (Central Processing Unit), GPU (Graphics Processing Unit), RAM (Random Access Memory), ROM (Read Only Memory), etc. as a control unit, and is used as a communication unit with other terminals and devices.
  • a device for enabling communication for example, a Wi-Fi (Wi-Filess-Fidelity) compatible device compliant with IEEE802.11 and the like is provided.
  • the computer 10 includes a data storage unit such as a hard disk, a semiconductor memory, a recording medium, and a memory card as a recording unit. Further, the computer 10 includes various devices and the like that execute various processes as a processing unit.
  • the control unit reads a predetermined program, and in cooperation with the communication unit, the issuance request acquisition module 20, the delivery completion notification acquisition module 21, the transfer request acquisition module 22, and the notification.
  • the module 23 and the cashing instruction receiving module 24 are realized.
  • the control unit reads a predetermined program and cooperates with the recording unit to realize the recording module 30.
  • the control unit reads a predetermined program, and in cooperation with the processing unit, the digital currency issuing module 40, the first transfer information specifying module 41, the transfer module 42, the period determination module 44, and the discount.
  • the rate setting module 45, the discount transition information specific module 46, the period determination module 47, the first cash module 48, and the second cash module 49 are realized.
  • Computer 10 issues digital currency for payment from the delivery orderer to the delivery company.
  • a digital currency is a currency that can be used digitally and can be exchanged for legal tender.
  • it may be a cryptocurrency, a crypto asset, electronic money, or a token.
  • the computer 10 issues a digital currency based on a request for issuing a digital currency from a delivery orderer.
  • the delivery orderer terminal accepts the input of the issuance request from the delivery orderer.
  • This issuance request may include, for example, data of a delivery orderer's identifier, a digital currency type, a digital currency issuance amount, a delivery company's identifier, and a delivery company's transfer destination information (deposit type, account number, name). ..
  • the computer 10 issues a digital currency based on this issuance request.
  • the computer 10 transfers the issued digital currency to the account of the delivery company.
  • the computer 10 transfers the digital currency for which the issuance request has been made to the delivery company's account by acquiring the delivery completion notification from the delivery company.
  • the delivery company terminal sends a delivery completion notification to the computer 10.
  • the computer 10 obtains the delivery completion notification from the delivery company. Based on this delivery completion notification, the computer 10 transfers the issued digital currency to the delivery company's account.
  • the computer 10 receives a cashing instruction for cashing the digital currency from the delivery company.
  • the computer 10 receives a cashing instruction for cashing a digital currency from a delivery company terminal.
  • the delivery company terminal accepts the input of the cashing instruction.
  • the delivery company terminal transmits this cashing instruction to the computer 10.
  • the computer 10 Upon receiving this cashing instruction, the computer 10 receives a cashing instruction for cashing the digital currency from the delivery company.
  • the computer 10 If the computer 10 receives this conversion instruction before the lapse of a predetermined period, the computer 10 applies a predetermined discount rate to a predetermined conversion rate (for example, equivalent 100%) to convert the transferred digital currency into cash. do.
  • the predetermined period is a preset period.
  • the computer 10 cashes the digital currency based on a predetermined discount rate at the timing when the cashing instruction is received.
  • the computer 10 converts this digital currency into cash based on the conversion rate at which no discount is given after the lapse of a predetermined period.
  • the computer 10 may automatically convert the digital currency after the elapse of the predetermined period, or may exchange the digital currency at the timing when the exchange instruction is received after the elapse of the predetermined period.
  • cashing means cashing, but even for assets with a fixed exchange ratio to cash, it can be read and applied as "cash" described in this embodiment.
  • the computer 10 can also be configured to notify the delivery company of this predetermined period.
  • the computer 10 transmits this predetermined period to the delivery company terminal.
  • the delivery company terminal receives this predetermined period and notifies the delivery company of the predetermined period by displaying it on its own display unit or emitting a sound from the voice unit. As a result, the computer 10 notifies the delivery company of this predetermined period.
  • Computer 10 issues digital currency for payment from the delivery orderer to the delivery company (step S01). That is, the computer 10 issues the digital currency based on the digital currency issuance request acquired from the delivery orderer who has entrusted the delivery to the delivery company.
  • the issuance request is as described above.
  • Computer 10 transfers the issued digital currency to the account of the delivery company (step S02).
  • the computer 10 transfers the issued digital currency to the account of the delivery company by acquiring the delivery completion notification from the delivery company terminal.
  • the computer 10 receives a cashing instruction for cashing the digital currency (to cash) from the delivery company (step S03). That is, the computer 10 receives a cashing instruction from the delivery company terminal.
  • the computer 10 When the computer 10 receives a cashing instruction before the lapse of a predetermined period, the computer 10 applies a predetermined discount rate to the predetermined cashing rate and cashes the transferred digital currency (step S04).
  • the computer 10 converts the transferred digital currency into cash based on a predetermined conversion rate (step S05).
  • the predetermined conversion rate may be 100%, which is equivalent, but when the discount rate does not become 0 at the end of the predetermined period as in the "minimum discount rate" described later.
  • the predetermined conversion rate may be a value obtained by subtracting the minimum discount rate from the equivalent 100%.
  • FIG. 4 is a diagram showing a flowchart of a transfer process executed by the computer 10. The process executed by each of the above-mentioned modules will be described together with this process.
  • This transfer process is the details of the above-mentioned digital currency issuance process (step S01) and digital currency transfer process (step S02).
  • the issuance request acquisition module 20 acquires an issuance request requesting issuance of digital currency for payment to the delivery company from the delivery orderer (step S10). That is, the delivery orderer terminal accepts the input of the issuance request. The delivery orderer terminal transmits the received issuance request to the computer 10. The issuance request acquisition module 20 acquires an issuance request from the delivery orderer by receiving this issuance request.
  • the digital currency issuance module 40 issues digital currency based on this issuance request (step S11).
  • the digital currency issuing module 40 issues the digital currency based on the type of the digital currency and the issuance amount of the digital currency in the acquired issuance request.
  • the recording module 30 records the acquired issuance request and the issued digital currency as transfer information (step S12).
  • the recording module 30 records the issuance request, the digital currency, the issue date, and the like as transfer information in association with each other.
  • the delivery completion notification acquisition module 21 acquires a delivery completion notification from the delivery company (step S13).
  • the delivery completion notification is a notification indicating that the delivery company has completed delivery of the delivery, and is associated with the delivery company's identifier.
  • the first transfer information specifying module 41 identifies the digital currency to be transferred to the account and the account of the delivery company to be the transfer destination based on the acquired delivery completion notification (step S14).
  • the first transfer information specifying module 41 specifies an account to transfer digital currency from the transfer information recorded by the process of step S12 described above. Further, the first transfer information specifying module 41 may specify the digital currency to be transferred to the account based on the digital currency in the specified transfer information.
  • the transfer module 42 transfers the digital currency to the account of the specified delivery company (step S15).
  • the digital currency transferred to the delivery company will be explained, but the delivery company of the digital currency to be redeemed is not only the primary contract delivery company directly contracted from the dividend orderer, but also the grandchild delivery company.
  • N subcontractor delivery company (n ⁇ 3) is included. That is, the digital currency exchange system 1 may exchange the digital currency transferred by each of the subcontractor delivery company, the nth subcontractor delivery company, and the like.
  • the digital currency exchange system 1 performs the exchange process described with reference to FIGS. 6 and 7 with respect to the digital currency transferred by the above-mentioned transfer process.
  • FIG. 5 is a diagram showing a flowchart of a period / discount rate notification process executed by the computer 10.
  • the period determination module 44 determines the period to which the discount rate is applied as a predetermined period when the delivery company converts the digital currency (step S30). In step S30, the period determination module 44 determines the start timing and the end timing of the predetermined period, respectively.
  • the period determination module 44 sets either the time when the digital currency is issued by the process of step S11 described above or the time when the digital currency is transferred to the account by the process of step S15 described above for the predetermined period. It may be determined as the start timing.
  • the period determination module 44 may determine a preset fixed period (for example, the end of the following month or the end of the following month when the delivery notification is obtained) as the end timing of the predetermined period. That is, in this case, the predetermined period may be a fixed period preset by the financial institution or the delivery company.
  • the end timing of the predetermined period may be the time when the delivery orderer transfers cash or the like to the delivery company's account. That is, the computer 10 notifies that the delivery orderer has made a payment from the delivery orderer terminal, or that the delivery orderer terminal, the ATM, the bank counter, etc. have paid for the consignment work of the delivery company. When it is received, it may be the end timing of the predetermined period.
  • the period determination module 44 may determine this predetermined period by referring to the contract data (recorded in the recording unit in advance) previously agreed between the financial institution and the delivery company. That is, the period determination module 44 determines the start timing and end timing of this predetermined period set in the contract data as the start timing and end timing of the predetermined period.
  • the discount rate setting module 45 sets a predetermined discount rate in the determined predetermined period (step S31).
  • the discount rate may be a fixed value preset by the financial institution within a predetermined period, or may be a function of time as described later.
  • the discount rate may be set according to the credit data of the delivery orderer.
  • the credit data is data indicating the creditworthiness of the computer 10 for trusting the payment from the delivery orderer, and is predetermined based on the savings amount of the delivery orderer's account, past deposit / withdrawal data, and the like.
  • the computer 10 may set the discount rate of the delivery company entrusted by the delivery orderer based on the credit data. That is, the discount rate may be set in comparison with the credit data of other delivery orderers.
  • FIG. 8 is a diagram schematically showing the transition of the cash amount when the discount rate is a fixed value. It is a graph in which the vertical axis is the amount of money (yen) to be redeemed and the horizontal axis is time.
  • the amount of money indicated by the line segment 150 is converted into cash, and after the predetermined period elapses (point 160 or later), a predetermined conversion rate (in the case of FIG. 8) is obtained. Is converted (in cash) for the amount of money equivalent to 100%).
  • the delivery company will be converted into cash at a predetermined conversion rate without applying the discount if it is converted into cash after the specified period, so there is an incentive to keep the digital currency until the specified period.
  • the delivery company will be converted into cash at a predetermined conversion rate without applying the discount if it is converted into cash after the specified period, so there is an incentive to keep the digital currency until the specified period.
  • the discount rate is not a fixed value but a function of time, and may decrease (the amount to be redeemed increases) with the passage of time, for example. That is, as shown in FIG. 9, the discount rate decreases with the passage of time, so that the delivery company has an incentive to keep the digital currency as conscious as possible for a long time. For example, as will be described later, when the delivery company is notified when the discount rate is changed, the delivery company can utilize the digital currency and cash in consideration of the balance of expenditure.
  • the discount rate may not be set to 0 at the end of the predetermined period (point 220), and a certain discount amount may be set as the minimum discount rate.
  • the financial institution can obtain the discount amount calculated at the minimum discount rate at the end of the predetermined period. That is, in this case, the "predetermined conversion rate" after the end of the predetermined period is not equivalent, but is a value obtained by subtracting the minimum discount rate from the equivalent 100%.
  • a fixed period (first period, second period) within a predetermined period may be a fixed value, and the remaining period (third period) may be a function of time.
  • step S32 the recording module 30 has a predetermined period determined by the process of step S30 described above, a discount rate set by the process of step S31 described above, a delivery company identifier, a delivery company account, and digital.
  • the type of currency, the amount issued, the predetermined conversion rate, etc. are associated and recorded as discount transition information.
  • the notification module 23 notifies the delivery company of the predetermined period and the discount rate in step S33. That is, the notification module 23 transmits this notification to the delivery company terminal, and the delivery company terminal receives this notification and displays it on its own display unit or outputs it from the voice unit. As shown in the graphs of FIGS. 8 to 10 described above, the data that visualizes the predetermined period and the discount rate, the data that displays the predetermined period and the discount rate on a date such as a calendar, and the predetermined period and the discount rate are written as characters. The delivery company may be notified of the data displayed by the or symbol.
  • the notification module 23 may notify the delivery company of the changed discount rate each time the discount rate is changed with the passage of time. That is, the notification module 32 transmits to the delivery company terminal each time the changed discount rate is changed.
  • notification may be given periodically, for example, every hour, every day, every week, or the like.
  • FIG. 6 is a diagram showing a flowchart of an automatic cashing process executed by the computer 10.
  • the period determination module 47 refers to the discount transition information recorded for each delivery company, and determines whether or not the predetermined period determined for each delivery company has passed (step S40). Then, when the period determination module 47 determines that the predetermined period has passed (step S40 YES), the second cash module 49 automatically transfers the transferred digital currency based on the predetermined cash rate. Cash in (step S44).
  • the predetermined conversion rate may be an equivalent (100%) or a conversion rate in consideration of the minimum discount rate, and is a conversion rate preset based on the above-mentioned contract data. You can do it.
  • step S40 NO the cashing instruction receiving module 24 receives a cashing instruction for cashing the digital currency from the delivery company (step S41).
  • step S41 the cashing instruction receiving module 24 receives the cashing instruction from the delivery company terminal.
  • the cashing instruction receiving module 24 receives the delivery company's identifier from the delivery company terminal, and the discount transition information specifying module 46 receives the cashing company's identifier from this identifier.
  • the discount transition information of this delivery company is specified (step S42).
  • the discount transition information includes a predetermined period, a discount rate (a function of time instead of a fixed value as described above), a carrier identifier, a carrier account, a type of digital currency and an issue amount, and in advance. It is the data associated with the specified conversion rate and the like.
  • the first cashing module 48 refers to the specified discount transition information, and transfers the transferred digital currency based on the cashing rate obtained by applying a predetermined discount rate to a predetermined cashing rate (for example, equivalent 100%). Cashing (Step S43) As a result, the first cashing module 48 applies a predetermined discount rate to the predetermined cashing rate to cash the digital currency.
  • step S40 if the cashing instruction is not an instruction to redeem the entire amount of the digital currency held by the delivery company but an instruction to redeem a part of the digital currency, this process is executed from step S40 for the remaining digital currency. It's okay. In this case, if there is a balance when the predetermined period elapses, as a result, the balance is automatically converted into cash by the process of step S44.
  • FIG. 7 is a diagram showing a flowchart of a manual cashing process executed by the computer 10.
  • the difference between this process and the above-mentioned automatic cashing process is that in the automatic cashing process, the cashing process is automatically performed with the lapse of a predetermined period, and in the manual cashing process, a cashing instruction is given regardless of the lapse of the predetermined period. By receiving it, cash processing will be performed.
  • the cashing instruction receiving module 24 receives a cashing instruction for cashing digital currency from a delivery company (step S50). In step S50, the cashing instruction receiving module 24 receives the cashing instruction from the delivery company terminal.
  • the cashing instruction receiving module 24 receives the delivery company's identifier from the delivery company terminal, and the discount transition information specifying module 46 receives the delivery company's identifier from this identifier.
  • the discount transition information is specified (step S51).
  • the period determination module 47 refers to the specified discount transition information and determines whether or not the timing of receiving the cashing instruction is before the elapse of the predetermined period (step S52).
  • step S52 when the period determination module 47 determines that the timing of receiving the cashing instruction is before the elapse of the predetermined period (step S52 YES), the first cashing module 48 has a predetermined cashing rate (for example,). , Equivalent 100%) is applied with a predetermined discount rate, and the transferred digital currency is converted into cash (step S53). As a result, the first conversion module 48 has a predetermined conversion rate. On the other hand, a predetermined discount rate is applied to convert the digital currency into cash.
  • a predetermined cashing rate for example, Equivalent 100%
  • step S52 when the period determination module 47 determines that the timing of receiving the cashing instruction is after the elapse of the predetermined period (step S52 NO), that is, the timing of receiving the cashing instruction is the predetermined period. If it is later than the end timing, the second cashing module 49 cashes the transferred digital currency based on a predetermined cashing rate (step S54).
  • the predetermined conversion rate may be an equivalent (100%) or a conversion rate in consideration of the minimum discount rate, as described above, and may be a conversion rate preset based on the above-mentioned contract data. It may be there.
  • the digital currency exchange system 1 provides a discount rate for exchange for a predetermined period, so that the delivery company holds the digital currency for a certain period of time, the amount of money to be exchanged is higher. Therefore, the delivery company does not immediately convert the digital currency into cash, but has an incentive to hold it for a predetermined period of time, and can utilize the digital currency and cash in consideration of the balance of expenditure.
  • the delivery company firstly, even if the digital currency is distributed as it is, the above-mentioned predetermined period, the predetermined conversion rate and the discount rate are managed, so that the equivalent cashing (cashing) is finally achieved. (When the rates are equivalent) is possible, and there is no danger of the digital currency crashing extremely.
  • the delivery company terminal can receive and output information such as the above-mentioned predetermined period, predetermined cash rate, and discount rate, so that reliability can be guaranteed.
  • the transfer is made in digital currency immediately after the delivery company completes the delivery, the liquidity is improved.
  • the number of delivery companies that hold digital currencies will increase, and as a result, opportunities to circulate in digital currencies will increase.
  • the delivery company it is possible for the delivery company to hold the funds as a digital currency for a certain period of time, and even if cash is exchanged, the financial institution will apply the discount rate and pay the prescribed cost during that period. You can get it.
  • the above-mentioned means and functions are realized by a computer (including a CPU, an information processing device, and various terminals) reading and executing a predetermined program.
  • the program may be provided, for example, in the form of being provided from a computer via a network (Software as a Service) or in a cloud service. Further, the program is provided in a form recorded on a computer-readable recording medium such as a CD (CD-ROM or the like) or a DVD (DVD-ROM, DVD-RAM or the like).
  • the computer reads the program from the recording medium, transfers it to an internal recording device or an external recording device, records the program, and executes the program. Further, the program may be recorded in advance on a recording device (recording medium) such as a magnetic disk, an optical disk, or a magneto-optical disk, and the program may be provided from the recording device to a computer via a communication line.
  • a digital currency exchange system that converts digital currency.
  • the issuer that issues digital currency for payment from the delivery orderer to the delivery company,
  • a transfer unit that transfers the issued digital currency to the delivery company's account,
  • a reception unit that accepts cashing instructions for cashing the digital currency from the delivery company, If a cashing instruction is received from the delivery company before the lapse of a predetermined period, a predetermined discount rate is applied to the predetermined cashing rate to convert the digital currency into the first cashing unit. If the delivery company does not receive a cashing instruction before the lapse of the predetermined period, after the lapse of the predetermined period, the second cashing unit for cashing the digital currency based on the predetermined cashing rate, and A digital currency exchange system characterized by being equipped with.
  • a digital currency exchange system that converts digital currency.
  • the issuer that issues digital currency for payment from the delivery orderer to the delivery company, A transfer unit that transfers the issued digital currency to the delivery company's account, A reception unit that accepts cashing instructions for cashing the digital currency from the delivery company, If a cashing instruction is received from the delivery company before the lapse of a predetermined period, a predetermined discount rate is applied to the predetermined cashing rate to convert the digital currency into the first cashing unit. After the lapse of a predetermined period, when a cashing instruction is received from the delivery company, a second cashing unit that cashes the digital currency based on a predetermined cashing rate, and A digital currency exchange system characterized by being equipped with.
  • a digital currency exchange method executed by a digital currency exchange system for exchanging digital currency Steps to issue digital currency for payment from the delivery orderer to the delivery company, The step of transferring the issued digital currency to the delivery company's account, A step of receiving a cashing instruction for cashing the digital currency from the delivery company, If a cashing instruction is received from the delivery company before the lapse of a predetermined period, a predetermined discount rate is applied to the predetermined cashing rate to redeem the digital currency. If the delivery company does not receive a cashing instruction before the lapse of the predetermined period, the step of redeeming the digital currency based on the predetermined conversion rate after the lapse of the predetermined period, and A digital currency conversion method characterized by being equipped with.
  • Converting digital currency This is a digital currency exchange method executed by the digital currency exchange system. Steps to issue digital currency for payment from the delivery orderer to the delivery company, The step of transferring the issued digital currency to the delivery company's account, A step of receiving a cashing instruction for cashing the digital currency from the delivery company, If a cashing instruction is received from the delivery company before the lapse of a predetermined period, a predetermined discount rate is applied to the predetermined cashing rate to redeem the digital currency. After the lapse of a predetermined period, when a cashing instruction is received from the delivery company, a step of cashing the digital currency based on a predetermined cashing rate and a step of cashing the digital currency.
  • a digital currency conversion method characterized by being equipped with.
  • Steps to issue digital currency for payment from the delivery orderer to the delivery company The step of transferring the issued digital currency to the delivery company's account, A step of receiving a cashing instruction to redeem the digital currency from the delivery company, If a cashing instruction is received from the delivery company before the lapse of a predetermined period, a predetermined discount rate is applied to a predetermined cashing rate to redeem the digital currency. If the delivery company does not receive a cashing instruction before the lapse of a predetermined period, the step of redeeming the digital currency based on a predetermined conversion rate after the lapse of the predetermined period, A computer-readable program for running.
  • Steps to issue digital currency for payment from the delivery orderer to the delivery company The step of transferring the issued digital currency to the delivery company's account, A step of receiving a cashing instruction to redeem the digital currency from the delivery company, If a cashing instruction is received from the delivery company before the lapse of a predetermined period, a predetermined discount rate is applied to a predetermined cashing rate to redeem the digital currency. A step of redeeming the digital currency based on a predetermined cashing rate when a cashing instruction is received from the delivery company after the lapse of a predetermined period.
  • a computer-readable program for running A computer-readable program for running.

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  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Le problème décrit par la présente invention est de fournir un système d'échange de monnaie numérique dans lequel il est avantageux qu'une société de livraison payée par une monnaie numérique détienne la monnaie numérique. La solution selon l'invention porte sur un système d'échange de monnaie numérique 1, qui échange une monnaie numérique, émet une monnaie numérique pour le paiement d'un expéditeur à une société de livraison, transfère la monnaie numérique émise à un compte détenu par la société de livraison, et si une instruction d'échange de monnaie numérique est reçue avant qu'une certaine période s'écoule, le système d'échange de de monnaie numérique 1 échange la monnaie numérique par application d'un certain taux de réduction à un taux d'échange prédéterminé, tandis qu'après l'écoulement de la certaine période, le système d'échange de de monnaie numérique 1 échange la monnaie numérique sur la base du taux d'échange prédéterminé.
PCT/JP2020/023994 2020-06-18 2020-06-18 Système d'échange de monnaie numérique, procédé d'échange de monnaie numérique et programme WO2021255902A1 (fr)

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PCT/JP2020/023994 WO2021255902A1 (fr) 2020-06-18 2020-06-18 Système d'échange de monnaie numérique, procédé d'échange de monnaie numérique et programme
JP2021516835A JP7078804B1 (ja) 2020-06-18 2020-06-18 デジタル通貨換金システム、デジタル通貨換金方法及びプログラム
JP2022082660A JP2022103393A (ja) 2020-06-18 2022-05-19 デジタル通貨換金システム、デジタル通貨換金方法及びプログラム

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPWO2022009393A1 (fr) * 2020-07-09 2022-01-13

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2018170045A (ja) * 2018-08-08 2018-11-01 株式会社三菱総合研究所 仮想通貨システム
JP2019073394A (ja) * 2017-09-11 2019-05-16 アクセンチュア グローバル ソリューションズ リミテッド 運送システムのための分散型台帳技術
JP2020041886A (ja) * 2018-09-10 2020-03-19 Ｎｅｃプラットフォームズ株式会社 荷物計測装置、荷物受付システム、荷物計測方法、及びプログラム

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2019073394A (ja) * 2017-09-11 2019-05-16 アクセンチュア グローバル ソリューションズ リミテッド 運送システムのための分散型台帳技術
JP2018170045A (ja) * 2018-08-08 2018-11-01 株式会社三菱総合研究所 仮想通貨システム
JP2020041886A (ja) * 2018-09-10 2020-03-19 Ｎｅｃプラットフォームズ株式会社 荷物計測装置、荷物受付システム、荷物計測方法、及びプログラム

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPWO2022009393A1 (fr) * 2020-07-09 2022-01-13
JP7119222B2 (ja) 2020-07-09 2022-08-16 株式会社日立物流 デジタル通貨換金システム、デジタル通貨換金方法及びプログラム

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