JP6431458B2 - Trading system using virtual currency - Google Patents

Description

  The present invention relates to a transaction system using virtual currency.

  Conventionally, a transaction system using a virtual currency is known. Japanese Patent Application Laid-Open No. H10-228561 discloses a process for collecting a predetermined exchange fee when exchanging two types of net currency having a certain currency value.

JP 2002-230450 A

  By the way, a cryptocurrency, which is a kind of virtual currency, is used in electronic settlement, electronic remittance, and the like, and is being recognized as a settlement means and remittance means instead of cash. The cryptocurrency is bought and sold via a fiat currency corresponding to cash.

  When such cryptocurrency currency trading or remittance is performed, the transaction system may collect a part of the cryptocurrency as a fee. The upper limit on the number of cryptocurrencies issued is predetermined, but if you continue to collect fees, the number of cryptocurrencies supplied to the market will be reduced regardless of the upper limit on the number of cryptocurrencies issued. There was a problem that the attractiveness of the market was impaired.

  Therefore, there is a technical problem to be solved in order to activate the virtual currency market by appropriately adjusting the number of virtual currencies supplied to the market, and the present invention solves this problem. Objective.

The present invention proposes to achieve the above object, and the invention according to claim 1 is a market server for receiving a plurality of customer terminals and a virtual currency remittance instruction or a buy / sell order input to the customer terminals. And a management server for managing the market of the virtual currency, and in the transaction system using the virtual currency configured to be communicable with the customer terminal, the market server and the management server, the market server includes the A fee collection means for collecting a fee in response to a remittance instruction for virtual currency or an order for buying and selling; and a fee transfer means for sending the fee to a management server, wherein the management server stores the fee sent from the fee transfer means Fee saving means, determination means for determining whether or not the fee collection period exceeds a predetermined value, and the fee collection period exceeds a predetermined value In case, in response to said holdings of virtual currency for each customer for the distribution number of virtual currency, provided with a fee reduction means to return to the virtual currency balance information for each of the values prorated fee customers Provide a trading system.

According to this configuration, since the fee collected from the customer is reduced to the customer every time a predetermined period elapses, the number of virtual currencies supplied to the market is suppressed from being significantly reduced. Can be activated. In addition, the market can be activated by being prompted to possess virtual currency.

The invention according to claim 2 comprises a plurality of customer terminals, a market server that accepts a remittance instruction or buy / sell order of virtual currency input to the customer terminal, and a management server that manages the virtual currency market, In the transaction system using virtual currency configured to be communicable with the customer terminal, the market server, and the management server, the market server includes fee collection means for collecting a fee in response to a remittance instruction or a purchase order of the virtual currency; And a fee transfer means for sending the fee to the management server, wherein the management server saves the fee sent from the fee transfer means, and whether the accumulated amount of the fee exceeds a predetermined value determination means for determining whether, when the cumulative of the fee exceeds a predetermined value, the coercive virtual currency for each customer for the distribution number of the virtual currency Depending on the balance, to provide a transaction system comprising a, a fee reduction means to return to the virtual currency balance information for each of the values prorated fees customers.

According to this configuration, every time the fee collected from the customer is saved to a predetermined value, the fee is returned to the customer, thereby suppressing the number of virtual currencies supplied to the market from being significantly reduced. , Can activate the market. In addition, the market can be activated by being prompted to possess virtual currency.

  In the transaction system using virtual currency according to the present invention, the number of virtual currencies supplied to the market is remarkably reduced by appropriately returning the virtual currency collected as a fee when buying or selling the virtual currency to the customer. It is possible to revitalize the market.

The block diagram which shows the transaction system using the virtual currency which concerns on one Example of this invention. The flowchart which shows the procedure which logs in to a personal exclusive page. The flowchart which shows the procedure which exchanges cash into Fiat currency. The flowchart which shows the procedure which buys virtual currency with Fiat currency. The flowchart which shows the procedure which withdraws cash. The flowchart which shows the procedure of international remittance. The flowchart which shows the procedure which returns the collected commission.

  In order to activate the virtual currency market by appropriately adjusting the number of virtual currencies supplied to the market, the present invention provides a plurality of customer terminals and a remittance instruction or buy / sell order for virtual currencies input to the customer terminals. A transaction server using a virtual currency configured to be able to communicate with a customer terminal, a market server, and a management server. A fee collection means for collecting a fee in response to a remittance instruction or a purchase order, and a fee transfer means for sending the fee to the management server; A determination means for determining whether or not the fee collection period exceeds a predetermined value, and at least one of the fees when the fee collection period exceeds a predetermined value; And the fee reduction means to return to the virtual currency of balance information for each customer, it was realized by that it comprises a.

  In order to activate the virtual currency market by appropriately adjusting the number of virtual currencies supplied to the market, the present invention provides a plurality of customer terminals and a remittance instruction or buy / sell order for virtual currencies input to the customer terminals. A transaction server using a virtual currency configured to be able to communicate with a customer terminal, a market server, and a management server. A fee collection means for collecting a fee in response to a remittance instruction or a purchase order; and a fee transfer means for sending the fee to the management server. Means for determining whether or not the accumulated amount of the fee exceeds the predetermined value, and if the accumulated amount of the fee exceeds the predetermined value, at least a part of the fee is And fees reduction means for return of the balance information of the virtual currency was achieved by that it comprises a.

  Hereinafter, transaction system 1 using virtual currency concerning one example of the present invention is explained based on a drawing. FIG. 1 is a configuration diagram showing a transaction system 1.

  The transaction system 1 includes a customer terminal 2, a market server 3, and a management server 4. The transaction system 1 is capable of buying and selling virtual currency (cryptographic currency) with Fiat currency corresponding to cash, and transferring the virtual currency between customers (users). Specifically, cash and Fiat currency vary from country to country, but virtual currency sold and sold in Fiat currency is common throughout the world, and customers can remit their virtual currency 24 hours a day without worrying about exchange rates. Can do.

  The customer terminal 2 includes an input unit 21, a display unit 22, and a communication unit 23. The customer terminal 2 is a computer, a mobile phone, a PDA or the like. The input unit 21 is, for example, a keyboard, a mouse, a touch panel, or the like. The display unit 22 is, for example, a display.

  One market server 3 is provided in one country. The market server 3 issues a Fiat currency corresponding to the cash of the country where it is installed. The market server 3 includes a processing unit 31, a storage unit 32, and a communication unit 33.

  The processing unit 31 includes, for example, a CPU and a memory. The processing unit 31 includes a fee collection unit 31a and a fee transfer unit 31b. In the following description, when generically referring to market servers installed in each country, reference numeral 3 is attached. When differentiating each market server, A and B are appended to the end of the reference signs. To distinguish.

  The storage unit 32 is, for example, a nonvolatile storage device such as a hard disk device or a flash memory. The storage unit 32 includes a board information DB 32a and a customer information DB 32b described later. The communication unit 33 is communicably connected to the communication unit 23 via the network 5.

  The management server 4 includes a processing unit 41, a storage unit 42, and a communication unit 43. The processing unit 41 includes, for example, a CPU and a memory. The processing unit 41 includes a fee saving unit 41a, a determination unit 41b, and a fee return unit 41c. The storage unit 42 is, for example, a nonvolatile storage device such as a hard disk device or a flash memory. The storage unit 42 includes a board information DB 42a and a customer information DB 42b described later. The communication unit 43 is communicably connected to the communication unit 33 via the network 5.

  The board information DB 32a of the market server 3 and the board information DB 42a of the management server 4 store board information related to the ordering status of how to buy and sell virtual currency for each Fiat currency.

  The customer information DB 32a of the market server 3 stores customer information related to customers in the country where the market server 3 is installed. Examples of customer information include customer identification information such as the customer's name, corporate name, address, email address, telephone number, FAX number, account information related to the customer's financial institution, and balance information in cash, virtual currency, and Fiat currency, etc. It is.

  The customer information DB 42a of the management server 4 is synchronized with the customer information DB 32b of all the market servers 3, and stores customer information regarding all customers.

  Next, the remittance procedure using the effect | action of the transaction system 1 is demonstrated using drawing.

  FIG. 2 is a flowchart showing a procedure for logging in to a personal page set for each customer when the customer uses the transaction system 1. The customer can perform depositing, exchanging, buying and selling, remittance, withdrawal, etc. by performing a predetermined process in the personal page.

  First, the customer terminal 2 receives an input operation via the customer input unit 21 and requests the market server 3 to transmit a login screen (S10). The market server 3 sends the login screen to the customer terminal 2. When transmitted (S11), a login screen is displayed on the display unit 22 (S12).

  When the ID and password are input via the input unit 21 (S13), the market server 3 compares the input ID and password with the customer information and confirms the identity (S14). When the input ID / password combination does not match the customer information (No in S14), the market server 3 transmits an error screen (S15), and the error screen is displayed on the display unit 22 (S16).

  When the combination of the input ID and password matches the customer information (Yes in S14), the market server 3 transmits a personal page (S17), and the personal page is displayed on the display unit 22 (S18). .

FIG. 3 is a flowchart showing a procedure for exchanging cash into Fiat currency.
When the market server 3 confirms the receipt of cash (S20), the market server 3 reflects the deposit amount in the cash balance information in the customer information DB 32b (S21).

  Next, in response to an input operation through the customer input unit 21, the customer terminal 2 transmits to the market server 3 a currency exchange instruction for exchanging cash into Fiat currency (S22). The exchange instruction includes the number of Fiat currencies to be exchanged. Normally, the exchange rate between Fiat currency and cash is 1: 1.

  The market server 3 determines whether or not the exchange instruction is appropriate (S23). Specifically, the market server 3 determines whether or not the customer's cash balance stored in the customer information DB 32b is equal to or greater than the amount of cash included in the exchange instruction.

  When the balance of cash stored in the customer information DB 32b is insufficient (No in S23), the market server 3 transmits the exchange error screen (S24), and the exchange error screen is displayed on the display unit 22 (S25). .

  When the balance of cash is sufficient (Yes in S23), the market server 3 exchanges cash and Fiat currency, and updates the number of cash and Fiat currency after exchange in the customer information DB 32b (S26).

  In addition, although said money exchange request demonstrated the case where cash was changed to Fiat currency, even if it is the case where it changes money to Fiat currency, it is the same.

FIG. 4 is a flowchart showing a procedure for buying virtual currency with Fiat currency.
First, the customer terminal 2 receives an input operation via the customer input unit 21, and requests the market server 3 to buy a virtual currency (S30). The buy instruction includes the number of virtual currency bought, the value of the virtual currency, and the like.

  The market server 3 determines whether or not the virtual currency buying instruction is appropriate (S31). Specifically, the market server 3 determines whether or not the number of Fiat currencies stored in the customer information DB 32b is sufficient for the number of Fiat currencies necessary for buying virtual currency. Note that the number of Fiat currencies necessary for buying virtual currency is the product of the number of bought virtual currency and the price included in the buy instruction.

  When the number of Fiat currencies stored in the customer information DB 32b is smaller than the number of Fiat currencies necessary for buying virtual currency (No in S31), the market server 3 transmits an order error screen (S32) and orders An error screen is displayed on the display unit 22 (S33).

  When the number of Fiat currencies stored in the customer information DB 32b is equal to or greater than the number of Fiat currencies necessary for buying virtual currency (Yes in S31), the market server 3 determines the number of purchased virtual currencies included in the buying instruction and The price is reflected in the board information DB 32a (S34).

  When the selling order corresponding to the buying order is reflected in the board information DB 32a, the buying order is executed (S35), and the buying order is deleted from the board information DB 32a (S36).

  The market server 3 collects a fee for the contracted transaction (S37), and transfers the fee to the management server 4 (S38). Specifically, the fee collection unit 31a collects the virtual currency by subtracting the number of virtual currencies corresponding to the fee from each of how to buy and sell the virtual currency. The fee transfer unit 31 b sends the collected virtual currency to the fee saving unit 41 a of the management server 4.

  The customer information DB 32b reflects the number of bought virtual currency coins and the price, and subtracts the number of Fiat currency (S39).

  In addition, although said buy order demonstrated the case where a limit order was carried out, it is the same also with a market order. In the above embodiment, the virtual currency buying order has been described as an example. However, the virtual currency selling order is processed in the same procedure.

FIG. 5 is a flowchart showing a procedure for withdrawing cash.
The customer terminal 2 receives an input operation via the customer input unit 21, and transmits a cash withdrawal request to the market server 3 (S40). The withdrawal request includes the amount of cash to be withdrawn.

  The market server 3 determines whether or not the withdrawal request is appropriate (S41). Specifically, the market server 3 determines whether or not the customer's cash balance stored in the customer information DB 32b is equal to or greater than the amount of cash included in the withdrawal request.

  When the balance of cash stored in the customer information DB 32b is insufficient (No in S41), the market server 3 transmits a withdrawal error screen (S42), and the withdrawal error screen is displayed on the display unit 22. (S43).

  When the balance of cash is sufficient (Yes in S41), the market server 3 withdraws the cash amount included in the withdrawal instruction to the designated account (S44), and the cash balance after withdrawal is stored in the customer information. This is reflected in the DB 32b (S45).

  FIG. 6 is a flowchart showing the procedure of international remittance. In the following explanation, the country where the market server storing the customer information of the remittance customer is installed is Japan, and the country where the market server storing the customer information of the remittance customer is installed is the Philippines. Assume a republic. The Fiat currency distributed in Japan is the first Fiat currency JPY, and the Fiat currency distributed in the Philippines is the second Fiat currency PHP.

  International remittance of the transaction system 1 is performed on a virtual currency basis. Therefore, in the normal remittance procedure, the remittance customer buys the virtual currency in Fiat currency, then remits this virtual currency to the remittance customer, and the remittance customer sells the repatriated virtual currency to their home country. Buy fiat currency.

  That is, the customer in Japan as the remittance source buys the virtual currency XEC with the first Fiat currency JPY according to the procedure shown in FIG.

  Next, the customer terminal 2 receives an input operation through the customer input unit 21 and requests a remittance instruction for the virtual currency XEC from the market server 3A installed in Japan (S50). The remittance instruction includes the country of the market server where the customer information of the remittance customer is stored (the Philippines), the account number of the remittance customer, the account holder, and the number of virtual currencies XEC to be remittance.

  The market server 3A installed in Japan makes an inquiry to the market server 3B installed in the Republic of the Philippines for the account number and account holder of the remittance customer (S51).

  The market server 3B confirms whether or not the account number and account holder of the remittance customer are appropriate (S52), and returns the result to the market server 3A (S53).

  The market server 3A receives the reply from the market server 3B and determines whether or not the remittance request is appropriate (S54). Specifically, the market server 3A determines whether or not the number of remittance customers' virtual currency XEC stored in the customer information DB is sufficient for the remittance number of the virtual currency XEC included in the remittance request.

  When the result of step S53 is not appropriate or the number of virtual currencies XEC is insufficient (No in S54), the market server 3A transmits a remittance error screen (S55), and the remittance error screen is displayed on the display unit 22. (S56).

  When the result of step S53 is appropriate and when the number of virtual currencies XEC is sufficient (Yes in S54), the market server 3A collects a fee for remittance (S57) and collects the fee to the management server 4 Is transferred (S58). Specifically, the fee collection unit 31a collects the virtual currency included in the remittance instruction by subtracting the number of virtual currencies corresponding to the fee. The fee transfer unit 31 b sends the collected virtual currency to the fee saving unit 41 a of the management server 4.

  The market server 3 decreases the number of virtual currencies XEC of the remittance source customer stored in the customer information DB 32b by the number of virtual currencies XEC included in the remittance instruction (S59). Further, the market server 3A transmits a remittance instruction to the market server 3B (S60).

  When the market server 3B receives the remittance instruction (S61), the market server 3B increases the number of virtual currencies XEC of the remittance destination customer stored in the customer information DB 32b by the number of virtual currencies XEC included in the remittance instruction (S62). . Thereafter, the remittance destination customer can buy the second Fiat currency PHP by selling the virtual currency XEC according to the same procedure as shown in FIG. In the above embodiment, the international remittance between Japan and the Philippines has been described. However, the present invention is also applicable to domestic remittances and international remittances other than the above two countries. Needless to say.

FIG. 7 is a flowchart showing a procedure for returning the collected fee.
The fee transfer unit 31b transfers the fee collected by the fee collection unit 31a to the management server 4 when buying or selling virtual currency or remittance (S70).

  The fee saving unit 41a saves the transferred fee (S71). The determination unit 41b determines whether or not the fee collection period has reached a predetermined value (S72). The collection period can be arbitrarily set. For example, it may be set to one week or the like. When the fee collection period has not reached the predetermined value (No in S72), the management server 4 continues to save the fee.

  When the fee collection period reaches a predetermined value (Yes in S72), the fee return unit 41c creates return information for returning at least a part of the fee stored by the fee saving unit 41a to the customer, and returns the return information. Is transmitted to the market server 3 (S73). The return information includes the number of virtual currencies to be returned for each customer. The number of virtual currencies returned to customers may be the same value for all customers, but the fee will be prorated according to the balance of virtual currency held for each customer with respect to the number of virtual currency circulation. It is preferable to set to the value obtained.

  When the market server 3 receives the return information (S74), the market server 3 reflects the number of virtual currencies returned for each customer included in the return information in the customer information DB 31b, and increases the number of virtual currencies of the customer (S75).

  In the above embodiment, the determination unit 41b determines whether or not to reduce the fee based on the collection period. However, the determination criterion of the determination unit 41b is not limited to this, for example, saved When the total amount of fees exceeds a predetermined value, at least part of the fees may be returned to the customer.

  In this way, the transaction system 1 using the virtual currency according to the present invention allows the virtual currency to be supplied to the market by appropriately returning the virtual currency collected as a fee when buying or selling the virtual currency to the customer. Since the number of sheets is significantly reduced, the market can be activated.

  The present invention can be variously modified without departing from the spirit of the present invention, and the present invention naturally extends to the modified ones.

DESCRIPTION OF SYMBOLS 1 ... Transaction system 2 ... Customer terminal 21 ... Input part 22 ... Display part 23 ... Communication part 3,3A, 3B (customer terminal) Market server 31 ... ( Processing unit 31a (market server) ... fee collection unit 31b ... fee transfer unit 32 ... storage unit (market server) 33 ... communication unit (market server) 4 ... management server 41・ ・ Processing unit 41a (fee saving unit) 41b ... determination unit 41c ... fee return unit 42 ... (management server) storage unit 43 ... (management server) communication Part 5 ・ ・ ・ Network

Claims (2)

A plurality of customer terminals; a market server that accepts a remittance instruction or buy / sell order of virtual currency input to the customer terminal; and a management server that manages the market of the virtual currency, the customer terminal, the market server, and In the transaction system using the virtual currency configured to be communicable, the management server,
The market server is:
A fee collection means for collecting a fee when instructing remittance of the virtual currency or a purchase / order,
Fee transfer means for sending the fee to the management server;
With
The management server
Fee saving means for saving the fee sent from the fee transfer means;
Determining means for determining whether or not the fee collection period exceeds a predetermined value;
When the fee collection period exceeds a predetermined value, the balance of the virtual currency for each customer is calculated by dividing the fee according to the balance of virtual currency for each customer with respect to the circulation number of the virtual currency. A fee reduction means to return information,
A transaction system characterized by comprising: A plurality of customer terminals; a market server that accepts a remittance instruction or buy / sell order of virtual currency input to the customer terminal; and a management server that manages the market of the virtual currency, the customer terminal, the market server, and In the transaction system using the virtual currency configured to be communicable, the management server,
The market server is:
A fee collection means for collecting a fee when instructing remittance of the virtual currency or a purchase / order,
Fee transfer means for sending the fee to the management server;
With
The management server
Fee saving means for saving the fee sent from the fee transfer means;
Determining means for determining whether or not a cumulative amount of the fee exceeds a predetermined value;
When the accumulated amount of the fee exceeds a predetermined value, the balance of the virtual currency for each customer is obtained by dividing the value of the fee according to the possessed balance of the virtual currency for each customer with respect to the number of circulations of the virtual currency. A fee reduction means to return information,
A transaction system characterized by comprising: