WO2022131380A1

WO2022131380A1 - Virtual currency distribution system

Info

Publication number: WO2022131380A1
Application number: PCT/JP2021/046893
Authority: WO
Inventors: 時朗長村
Original assignee: イーバイスリー株式会社
Priority date: 2020-12-18
Filing date: 2021-12-18
Publication date: 2022-06-23
Also published as: JPWO2022131380A1

Abstract

[Problem] To provide a virtual currency distribution system which encourages use of supplied virtual currency. [Solution] In a virtual currency distribution system 1 in which a server 2, an issuing terminal 3, and a user terminal 4 are connected communicably by means of a network, the server 2 is provided with an issuing unit 11 for issuing, to the user terminal 4, virtual currency that becomes invalid after a predetermined period of time has elapsed, in response to an issue request from the issuing terminal 3. Since the supplied virtual currency becomes invalid after a predetermined period of time has elapsed, use thereof can be encouraged.

Description

Virtual currency distribution system

The present invention relates to a virtual currency distribution system.

Japan's household savings rate is at the highest level among the developed countries in the world, and it can be said that the Japanese are people with a high savings rate. However, for example, if you save without using currencies such as subsidies and benefits provided by the national and local governments, you may not be able to promote national policy or revitalize socio-economics, which is the original purpose. ..

Therefore, for example, there is a transaction processing system described in Patent Document 1. This transaction processing system is equipped with a transfer means for transferring virtual currency with limited uses between the transferor and the trader, and the transferor receives the right (receipt right) purchased from the trader using the virtual currency. The recipient receives the item as a gift from the vendor. As a result, the recipient does not acquire the virtual currency, and the virtual currency is distributed between the transferor and the trader only for the purposes limited by the transferor. Therefore, the virtual currency can be used for the purpose intended by the transferor.

JP-A-2020-154856

However, the limited-use receiving right is difficult for the recipient to use and may be left unused. For example, in the case of implementing basic income using virtual currency, implementation of basic income becomes meaningless unless the provided virtual currency is used.

The present invention has been made in view of the above-mentioned problems, and its main purpose is to provide a virtual currency distribution system that encourages the use of the provided virtual currency.

The virtual currency distribution system of the present invention is a virtual currency distribution system in which a server, an issuer terminal, and a user terminal are communicably connected via a network, and the server is issued from the issuer terminal. It is characterized by comprising an issuing unit that issues a virtual currency that expires after a lapse of a predetermined time to the user terminal in response to a request.

As a specific aspect of the virtual currency distribution system of the present invention, the predetermined time is counted from the time when the issuing unit issues the virtual currency to the user terminal, and the deadline until the expiration of the virtual currency is managed. A deadline management unit is further provided, and when the deadline management unit counts the predetermined time, the virtual currency expires.

As a specific embodiment of the virtual currency distribution system of the present invention, the server may further include a cashing unit for converting the virtual currency into a predetermined currency.

As a specific aspect of the virtual currency distribution system of the present invention, the cash exchange unit receives a cash request from the issuer terminal or the expiration date information of the virtual currency transmitted from the expiration date management unit, and issues the issue. Examples thereof include a cashing request from the original terminal or a currency corresponding to the virtual currency that has expired after the predetermined time has passed and cashed to the issuer.

As a specific aspect of the virtual currency distribution system of the present invention, the cash exchange unit receives the deadline information and corresponds to the virtual currency that has expired after the predetermined time has passed after being issued to the user terminal. It can be mentioned that the currency to be used is exchanged for the issuer.

As a specific embodiment of the virtual currency distribution system of the present invention, a store terminal to which the virtual currency is transferred from the user terminal is further provided, and the cashing unit is a cashing request from the store terminal or the predetermined time. The currency corresponding to the virtual currency that has expired after a lapse of time can be exchanged for cash in a store.

According to the virtual currency distribution system according to the present invention, since the expiration date is set for the virtual currency, the user naturally uses the virtual currency within the expiration date. Therefore, when the virtual currency is provided as a subsidy or benefit provided by the national or local government, it is necessary to prevent the virtual currency from being saved and to use the virtual currency according to the original purpose. Can be done.

The conceptual diagram of the virtual currency distribution system which concerns on this embodiment. The flow chart of the virtual currency distribution system which concerns on this embodiment. The block diagram of the virtual currency distribution system which concerns on this embodiment. (A) Issuer table stored in the issuer passbook unit of the present embodiment. (B) A user table stored in the user passbook unit of the present embodiment. (C) A store table stored in the store passbook section of this embodiment.

Hereinafter, embodiments of the virtual currency distribution system according to the present invention will be described with reference to the drawings.

The virtual currency distribution system 1 of the present embodiment shown in FIG. 1 is a system for distributing a virtual currency that expires after a predetermined time has elapsed, and this virtual currency is hereinafter referred to as TLM (Time Limit Money) in the present embodiment. .. The virtual currency distribution system 1 performs a transaction using the server 2, the issuer terminal 3 that requests the server 2 to issue the TLM, the user terminal 4 to which the TLM is issued from the server 2, and the user terminal 4 and the TLM. It is equipped with a store terminal 5. Here, the server 2, the issuing terminal 3, the user terminal 4, and the store terminal 5 are connected so as to be able to communicate with each other via the Internet, VPN, LAN, or the like. The virtual currency distribution system 1 may include a plurality of issuer terminals 3, a plurality of user terminals 4, and a plurality of store terminals 5.

The server 2 is a virtual currency exchange that issues and cashes TLMs and manages transactions using TLMs, and includes a CPU 2a, a memory 2b, and a network communication module 2c. The CPU 2a executes the program stored in the memory 2b. As a result, the network communication module 2c functions as a server communication unit 10 (see FIG. 3) for communicating information with the issuing terminal 3, the user terminal 4, and the store terminal 5. Further, the CPU 2a functions as a issuing unit 11 for issuing a TLM (see FIG. 3), a server deadline management unit 12 for managing the deadline of the TLM (see FIG. 3), and a cashing unit 13 for cashing the TLM (see FIG. 3). .. Further, the memory 2b is the issuer passbook unit 14 (see FIG. 3) that stores the issuer TLM information regarding the TLM deposit / withdrawal of the issuer terminal 3, and the store TLM regarding the TLM deposit / withdrawal transmitted from the store terminal 5. It functions as a store passbook unit 15 (see FIG. 3) for storing information.

The issuer TLM information is typically the date when the TLM was issued, the issue amount of the TLM, the issuer ID uniquely assigned to each issuer, and the expiration date of the TLM. When the user terminal 4 is specified as the issuing destination, the user ID uniquely assigned to the issuing destination user terminal 4 is also included in the issuing source TLM information. In this embodiment, it is assumed that the user terminal 4 is designated, and the user ID is also included in the issuer TLM information. In the issuer passbook unit 14, the issuer TLM information is stored in the issuer table 30 shown in FIG. 4 in association with the issuer ID. Therefore, when the virtual currency distribution system 1 of the present embodiment includes a plurality of issuer terminals 3, a plurality of issuer tables 30 corresponding to the issuer IDs of the respective issuer terminals 3 are provided in the issuer passbook unit 14. ..

The store TLM information is typically given uniquely to each store, the date when the TLM was used, the amount of the TLM, the issuer ID that issued the TLM, the user ID of the user terminal 4 that used the TLM, and so on. The expiration date of the store ID and TLM. In the store passbook unit 15, the store TLM information is stored in the store table 32 shown in FIG. 4 in association with the store ID. Therefore, when the virtual currency distribution system 1 of the present embodiment includes a plurality of store terminals 5, a plurality of store tables 32 corresponding to the store IDs of the respective store terminals 5 are provided in the store passbook unit 15.

As shown in FIG. 1, the publisher terminal 3 is a terminal used by the publisher requesting the issuance of TLM, and includes a CPU 3a, a memory 3b, a network communication module 3c, and a touch panel 3d. The CPU 3a executes the program stored in the memory 3b. As a result, the touch panel 3d functions as an input unit 6 (see FIG. 3). The network communication module 3c functions as a publisher communication unit 7 (see FIG. 3) for communicating information with the server 2. As the publisher terminal 3 having such a configuration, for example, an information processing device such as a smartphone, a mobile phone, a tablet terminal, or a PC is used.

As shown in FIG. 1, the user terminal 4 is a terminal used by a user who conducts a transaction using TLM, and includes a CPU 4a, a memory 4b, a network communication module 4c, and a display 4d.

Memory 4b stores a TLM application for using TLM. The TLM application is an application program executed by the CPU, and is downloaded to the user terminal 4 via the Internet, for example, and written to the memory 4b according to the user's operation.

The CPU 4a executes the TLM application stored in the memory 4b. As a result, the display 4d functions as a display unit 20 (see FIG. 3) for displaying information, and the network communication module 4c is a user communication unit 21 (FIG. 3) for communicating information with the server 2 and the store terminal 5. 3). The CPU 4a functions as a settlement unit 22 (see FIG. 3) for making payments using TLM, and a user deadline management unit 23 (see FIG. 3) for managing deadlines for TLM. The memory 4b functions as a user passbook unit 24 (see FIG. 3) that manages TLM deposit / withdrawal information in the user terminal 4. As the user terminal 4 having such a configuration, for example, an information processing device such as a smartphone, a mobile phone, a tablet terminal, or a PC is used.

The store terminal 5 is a terminal used by a store licensed to use TLM, and includes a CPU 5a, a memory 5b, a network communication module 5c, and a code reader 5d. The CPU 5a executes the program stored in the memory 5b. As a result, the code reader 5d functions as a reading unit 8 (see FIG. 3). The network communication module 5c functions as a store communication unit 9 (see FIG. 3) for communicating information with the server 2 and the user terminal 4. As the store terminal 5 having such a configuration, for example, an information processing device such as a smartphone, a mobile phone, a tablet terminal, or a PC is used.

The operation of the virtual currency distribution system 1 configured as described above will be described below.

<Issuance of TLM>
The issuance of TLM will be described below with reference to FIGS. 2 and 3.

When the publisher operates the touch panel 3d to input the TLM issuance request information including the user terminal 4, the TLM amount, and the TLM expiration date, the input unit 6 receives the TLM issuance request information, and the publisher communication unit 7 receives the TLM issuance request information. , The TLM issue request information is transmitted to the server 2 in association with the issuer ID that identifies the issuer terminal 3. At this time, the issuing source terminal 3 may not specify the user terminal 4 and may specify the user terminal 4 later, but the TLM issuance request information of the present embodiment specifies the user terminal 4 in advance. The user terminal 4, the amount of TLM, and the expiration date of TLM can be freely set by the issuer.

The server communication unit 10 notifies the issuer 11 of the received TLM issue request information, and the issuer 11 generates the issuer passbook unit 14.

The issuer 11 includes the issuer passbook unit 14, the date when the TLM was issued, the amount of the TLM, the issuer ID, the user ID uniquely assigned to the user terminal 4 which is the issue destination, and the expiration date of the TLM. Store TLM information. At this time, the issuing unit 11 stores the issuing source TLM information in the issuing source table 30 shown in FIG.

Next, the issuing unit 11 transmits the TLM issuance notification information to the user terminal 4 via the server communication unit 10 based on the issuing TLM information. In the user terminal 4, the user communication unit 21 receives the TLM issuance notification information, and the TLM issuance notification information is transmitted from the user communication unit 21 to the settlement unit 22.

The settlement unit 22 refers to the TLM issuance notification information, and stores the user TLM information including the issuer ID, the user ID, the amount of the TLM, the expiration date of the TLM, and the date when the TLM is issued in the user passbook unit 24. .. At this time, the settlement unit 22 stores the user TLM information in the user table 31 shown in FIG. 4 in association with the user ID.

Further, the settlement unit 22 transmits the expiration date management information regarding the date and time when the user communication unit 21 received the TLM issuance notification information from the user communication unit 21 to the server 2 and also transmits the user expiration date management unit 23.

The server deadline management unit 12 acquires the expiration date management information via the server communication unit 10, and the issuing unit 11 sets the date and time when the user communication unit 21 indicated by the expiration date management information receives the TLM issuance notification information. When the TLM is issued to, the management of the predetermined time until the expiration date is started based on the expiration date stored in the issuer passbook unit 14. As a result, the server deadline management unit 12 counts a predetermined time from the time when the TLM is issued, and manages the deadline until the TLM expires.

The user deadline management unit 23 tells the user passbook unit 24 the date and time when the user communication unit 21 receives the TLM issuance notification information based on the expiration date management information, assuming that the issuing unit 11 issues the TLM to the user terminal 4. Based on the stored expiration date, the management of the predetermined time until the expiration date is started. Therefore, the server deadline management unit 12 and the user deadline management unit 23 start counting until the TLM expires at the same time.

<About the use of TLM>
Next, the use of TLM will be described below with reference to FIGS. 2 and 3.

The user makes a transaction using TLM at a store where TLM can be used. In this case, the user activates the TLM application of the user terminal 4. When the TLM application is activated, the settlement unit 22 refers to the user passbook unit 24 and sends the user TLM information to the display unit 20, and the display unit 20 displays these information on the display. In the present embodiment, the display unit 20 converts the user TLM information including the user ID into a two-dimensional code and displays it on the display.

The store transmits TLM tie-up request information from the store terminal 5 to the server 2 via the store communication unit 9 in order to use the TLM in advance. The TLM tie-up request information is notified from the server communication unit 10 to the issuing unit 11, and the issuing unit 11 that receives the TLM tie-up request information generates the store passbook unit 15. At this time, the server 2 further includes an examination unit for examining whether or not the store is appropriate as a TLM partner, and the examination unit transmits examination information to the store terminal 5 via the server communication unit 10. The examination department may be configured to select whether or not to tie up the store using the returned examination information.

When the reading unit 8 of the store terminal 5 reads the two-dimensional code displayed on the display of the user terminal 4, the reading unit 8 displays the date when the TLM was used, the amount of the TLM, and the TLM displayed by the two-dimensional code. The store TLM information is created by associating the store ID with the issuer ID, the user ID using the TLM, and the TLM expiration date information, and the store TLM information is transmitted from the store communication unit 9 to the server 2.

The server communication unit 10 receives the store TLM information and transmits the store TLM information to the issuing unit 11. The issuing unit 11 stores the store TLM information in the store passbook unit 15. At this time, the issuing unit 11 stores the store TLM information in the store table 32 shown in FIG. 4 in association with the store ID. The server expiration date management unit 12 manages the expiration date of the TLM based on the store TLM information stored in the store passbook unit 15.

Further, when the store TLM information is stored in the store table 32, the issuing unit 11 transmits the information indicating that the store TLM information is stored to the user terminal. The payment unit 22 of the user terminal 4 stores the user TLM information regarding the amount of TLM used, the date and time of use, the expiration date of TLM, the issuer ID of TLM, and the store ID in the user table 31 of the user passbook unit 24. The user expiration date management unit 23 manages the expiration date of the TLM based on the user TLM information stored in the user table 31.

<About cashing TLM>
Finally, the cashing of TLM will be described below with reference to FIGS. 2 and 3.

First, the following two ways of exchanging money for the TLM issuer terminal 3 will be explained.

-When the expiration date of the TLM has expired The server expiration date management unit 12 counts the predetermined time until the expiration date of the TLM stored in the issuer passbook unit 14, and is linked to the expiration date when the count becomes 0. The issuer TLM information is extracted and transmitted to the cashing unit 13. The information transmitted to the cashing unit 13 is hereinafter referred to as issuer expired TLM information.

The user expiration date management unit 23 counts a predetermined time until the expiration date of the TLM stored in the user passbook unit 24, extracts the user TLM information associated with the expiration date when the count becomes 0, and communicates with the user. It is transmitted to the cashing unit 13 via the unit 21 and the server communication unit 10. The information transmitted to the cashing unit 13 is hereinafter referred to as user expired TLM information. Further, the user deadline management unit 23 deletes the user expiration TLM information transmitted to the cashing unit 13 from the user passbook unit 24.

The cashing unit 13 compares the issuer expired TLM information and the user expired TLM information, confirms whether the user ID, the issuer ID, the issue date, the issue amount, etc. match, and if they match, the user expires. The total balance of TLM is calculated based on the TLM information, and the balance is converted into a predetermined currency designated by the issuer terminal 3 and remitted to the issuer. If the user ID is not included in the issuer expired TLM information, the cashing unit 13 calculates the total balance of the TLM based on the issuer expired TLM information, and the issuer terminal 3 designates the balance. Convert to the specified currency and send it to the issuer. At this time, if a conversion fee is incurred, the amount obtained by subtracting the conversion fee from the total amount converted into the currency designated by the issuer terminal 3 may be remitted to the issuer.

-When there is a cashing request from the issuing terminal 3 When the cashing request information is transmitted from the issuing communication unit 7 of the issuing terminal 3 to the server 2, the server communication unit 10 receives the cashing request information and the cashing unit 13 Send to.

The cashing unit 13 refers to the issuer table 30 associated with the issuer ID of the issuer terminal 3 in the issuer passbook unit 14, and refers to the issuer TLM information stored in the issuer table 30 to issue the TLM. The user ID is extracted, and the cashing request information is transmitted to the user terminal 4 corresponding to the user ID via the server communication unit 10. At this time, if the issuer TLM information does not include the user ID, the cashing unit 13 calculates the total balance of the TLM based on the issuer TLM information, and the issuer terminal 3 designates the balance. Convert to the specified currency and send it to the issuer. When a conversion fee is incurred, the total amount converted into the currency specified by the issuer terminal 3 minus the conversion fee is remitted to the issuer as described above.

When the user communication unit 21 of the user terminal 4 receives the cashing request information, the user communication unit 21 transmits the cashing request information to the settlement unit 22. When the settlement unit 22 receives the cashing request information, the payment unit 22 extracts the user TLM information including the issuer ID corresponding to the cashing request from the user TLM information stored in the user table 31 of the user passbook unit 24, and the user communication unit 21. It is transmitted to the server 2 via. Further, the settlement unit 22 deletes the user TLM information transmitted to the server 2 from the user passbook unit 24.

When the server communication unit 10 of the server 2 receives the user TLM information, the server communication unit 10 transmits the user TLM information to the cashing unit 13. When the cashing unit 13 receives the user TLM information, it compares the issuer TLM information with the user TLM information, confirms whether the TLM issue date, issuer ID, user ID, TLM amount, etc. match, and matches. In this case, the total balance of TLM is calculated based on the user TLM information, and the balance is converted into a predetermined currency designated by the issuer terminal 3 and sent to the issuer. At this time, if a conversion fee is incurred, the amount obtained by subtracting the conversion fee from the total amount converted into the currency designated by the issuer terminal 3 as described above is remitted to the issuer.

Next, the following two ways will be explained regarding the conversion of TLM to the store terminal 5.

-When the expiration date of the TLM has expired The server expiration date management unit 12 counts the predetermined time until the expiration date based on the expiration date of the TLM stored in the store passbook unit 15, and the count reaches 0. The associated store TLM information is extracted and transmitted to the cashing unit 13. The information transmitted to the cashing unit 13 is hereinafter referred to as store expiration TLM information.

The cashing unit 13 calculates the total balance of the TLM based on the store expiration TLM information, converts the balance into the currency specified by the store terminal 5, and remits the balance to the store. At this time, if a conversion fee is incurred, the amount obtained by subtracting the conversion fee from the total amount converted into the currency designated by the store terminal 5 may be remitted to the store.

-When there is a cashing request from the store terminal 5 When the cashing request information is transmitted from the store communication unit 9 of the store terminal 5, the server communication unit 10 transmits the cashing request information to the cashing unit 13, and the cashing unit 13 , The store passbook unit 15 calculates the total of the TLM balances based on the store TLM information stored in the store table 32 corresponding to the store ID of the store terminal 5, and the store terminal 5 designates the balance. Convert to the currency of and send it to the store. At this time, if a conversion fee is incurred, the amount obtained by subtracting the conversion fee from the total amount converted into the currency designated by the store terminal 5 as described above is remitted to the store.

The virtual currency distribution system 1 of the present embodiment having the above-mentioned configuration has the following special effects.

According to the virtual currency distribution system 1 of the present embodiment, the issuing unit 11 is provided to issue the virtual currency (TLM) that expires after a predetermined time to the user terminal 4 in response to the issuing request from the issuing terminal 3. , The user can freely use the TLM without being restricted by the issuing terminal 3. Further, since the expiration date is set for the TLM, the user naturally uses the TLM within the expiration date, and it is possible to prevent the TLM from being saved. In addition, since the user can freely use TLM, it is possible to carry out a social experiment according to free socio-economic activities.

In addition, the issuer can freely set the expiration date of TLM, so if you want the user to use TLM at an early stage, set the expiration date so that it will be used for a short period such as 2 months or 6 months. It is possible to realize a virtual currency that is easy for the issuer to use.

Furthermore, if the server 2 is equipped with an examination department that selects whether or not to tie up a store, it is possible to select a store. It is possible to distribute TLM in the original desired application.

In addition, since the server 2 stores the issuer TLM information associated with the issuer ID and the store TLM information associated with the store ID in the issuer passbook unit 14 and the store passbook unit 15, respectively, the TLM The distribution can be centrally managed by the server 2 and fraud can be monitored.

The present invention is not limited to the above-described embodiment.

In the present embodiment, the expiration date of the TLM stored in the user passbook unit is managed by the user expiration date management unit, but it may be configured to be managed by the server expiration date management unit.

The user TLM information including the user ID displayed by the display unit of the user terminal is not limited to the two-dimensional code and can be changed as appropriate. Further, a reader for reading the code displayed by the display unit of the user terminal may be prepared separately from the store terminal, and the reader may be connected to the store terminal via the Internet or the like.

In the above-described embodiment, the user terminal has downloaded the TLM application, but the application related to cashless payment already used by the user may be plugged in so that the TLM application can also be used. .. Further, both the store payment application and the TLM application may be installed on the user terminal, and the TLM may be charged from the TLM application to the cashless payment application. That is, the function of the store terminal in the above embodiment may be installed in the user terminal.

In the above embodiment, the use of TLM in a state where one user ID is assigned to one user terminal is illustrated, but a configuration that allows multiple account registrations for one user ID may be used. do not have. In this case, for example, by providing a tab for switching accounts in the application, the user can use a plurality of accounts properly in the application, such as a private account and a public account.

<Examples utilizing TLM>
By utilizing the virtual currency distribution system according to the above-described embodiment or modification, the TLM can be used, for example, in the following embodiments.

(1) Utilization for business scenes TLM issued by the company can be utilized as temporary payment expenses such as business trip expenses, entertainment expenses, and Internet settlement expenses. In this case, there is an advantage that expenses can be settled according to the usage history of TLM issued to the employee who is the user. In addition, unused TLMs will be automatically refunded to the issuing company when the expiration date expires. Therefore, it is possible to reduce the work burden related to accounting processing in the company.

(2) Promotion of use of cashless payments for children and minors TLM issued by parents can be used as pocket money for children and minors. This is particularly useful as a tool for accustoming to cashless payments, which have rapidly become widespread in society in recent years. For example, if the usage history can be confirmed on the TLM application of one's own user terminal, it can be used as a pocketbook, and it is possible to learn to spend money systematically. Further, since the TLM application of the user terminal is a "payment-only application" due to its specifications, TLM is not exchanged between children, and it is safe for parents.

In the above embodiments (1) and (2), the specifications may be such that a memo function is added to the usage history of the TLM application. As a result, the convenience as an expense settlement and a pocket money book will be further improved.

(3) Others TLM has a wide range of uses, such as payment methods in venues for customer attraction events, benefits of sales promotion campaigns, questionnaire rewards, digital coupons, etc., because the issuer can freely set the expiration date. It can be used. Further, for example, it may be possible to settle by TLM by linking API with an EC site or the like, or issue TLM to a user.

The present invention can also be carried out in a mode in which various improvements, modifications, or modifications are added based on the knowledge of those skilled in the art without departing from the spirit of the present invention. In addition, any of the inventions may be replaced with another technique within the range in which the same action or effect is produced.

1 ... Virtual currency distribution system 2 ... Server 3 ... Issuer terminal 4 ... User terminal 11 ... Issuer

Claims

A virtual currency distribution system in which a server, a issuing terminal, and a user terminal are connected to each other so as to be able to communicate with each other via a network.
The server is a virtual currency distribution system including a issuing unit that issues a virtual currency that expires after a lapse of a predetermined time to the user terminal in response to an issuing request from the issuing terminal.
Further provided with a deadline management unit that counts the predetermined time from the time when the issuing unit issues the virtual currency to the user terminal and manages the deadline until the virtual currency expires.
The virtual currency distribution system according to claim 1, wherein the virtual currency expires when the deadline management unit counts the predetermined time.
The virtual currency distribution system according to claim 1 or 2, wherein the server further includes a cashing unit for converting the virtual currency into a predetermined currency.
The cashing unit receives the cashing request from the issuing terminal or the deadline information of the virtual currency transmitted from the deadline management unit, and the cashing request from the issuing terminal or the predetermined time has elapsed and expired. The virtual currency distribution system according to claim 3, wherein the currency corresponding to the virtual currency is exchanged for cash to the issuer.
3. The claim 3 is characterized in that the cashing unit receives the deadline information and cashes the currency corresponding to the virtual currency that has expired after the predetermined time has passed after being issued to the user terminal to the issuer. Alternatively, the virtual currency distribution system according to claim 4.
Further equipped with a store terminal to which the virtual currency is transferred from the user terminal,
3. Described virtual currency distribution system.