JP6431462B2 - 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.

  In such cryptocurrency trading, the value of the cryptocurrency increases or decreases according to supply and demand. Therefore, if the demand for cryptocurrency greatly exceeds supply, the value of cryptocurrency will soar, and many customers (users) will not be able to participate in the buying and selling of cryptocurrency, and the attractiveness of the cryptocurrency market will be impaired. was there.

  Therefore, there is a technical problem to be solved in order to keep the value of the cryptocurrency at a level that makes it easy to enter the market and activate the virtual currency market, and the present invention aims to solve this problem. And

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 that manages 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 management server includes: If the rate of the determining means for determining whether the rate of the virtual currency and off Iatto currency exceeds a predetermined value, the the virtual currency and the Fiat currency exceeds a predetermined value, the virtual for each of the customer Division information generating means for generating division information for increasing the number of the virtual currencies and reducing the value of the virtual currency while holding a balance of the currency, the market server comprising: Virtual currency and the transaction information DB look information is stored with the Fiat currency, and the customer information DB, wherein the virtual currency and balance information of the Fiat currency for each customer is stored, based on the division information, the outstanding information Provided is a transaction system using virtual currency, comprising: a split processing execution means for changing the number and value of virtual currency included.

  According to this configuration, when the value of the virtual currency rises, the virtual currency balance held by the customer, that is, the product of the number of virtual currency held and the value is maintained, the number of virtual currency is increased and the virtual currency is increased. By reducing the value of the virtual currency, the value of the virtual currency sold and sold in the market decreases, so that the value of the virtual currency is easily maintained in the market and the market can be activated.

  The transaction system using the virtual currency according to the present invention increases the number of virtual currency and reduces the value of the virtual currency while maintaining the balance of the virtual currency of the customer, thereby reducing the value of the virtual currency sold and sold in the market. As a result, the value of the virtual currency is easily maintained in the market, and the market can be activated.

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 divides | segments virtual currency.

The present invention accepts a plurality of customer terminals and a virtual currency remittance instruction or a buy / sell order input to the customer terminals in order to keep the value of the cryptocurrency at a level that makes it easy to enter the market and activate the virtual currency market. In a transaction system using a virtual currency configured to be communicable with a customer terminal, a market server, and a management server, the management server includes a virtual currency and a fiat The determination means for determining whether the rate with the currency exceeds a predetermined value, and when the rate between the virtual currency and the Fiat currency exceeds the predetermined value, while holding the balance of the virtual currency for each customer, Division information generating means for generating division information for increasing the number of virtual currencies and reducing the value of the virtual currency, and the market server stores quotation information between the virtual currency and the Fiat currency. And transaction information DB that is, the customer information DB balance information of the virtual currency and fiat currency for each customer is stored, based on the division information, division processing of changing the number and value of the virtual currency contained in the remaining pitch information This is realized by providing execution means.

  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 division processing execution unit 31a. 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 determination unit 41a and a division information generation unit 41b. 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). Then, the customer information DB 32b reflects the number of purchased virtual currency coins and the price, and subtracts the number of Fiat currencies (S37).

  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 a procedure for normal 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 the number of virtual currencies XEC is sufficient (Yes in S54), the market server 3 stores only the number of virtual currencies XEC included in the remittance instruction in the customer information DB 32b. The number of virtual currencies XEC of the remittance source customer is decreased (S57). Further, the market server 3A transmits a remittance instruction to the market server 3B (S58).

  Upon receiving the remittance instruction (S59), 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 (S60). . 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 dividing the virtual currency. Note that the division of the virtual currency refers to increasing the number of virtual currencies and decreasing the value of the virtual currency according to the division ratio.

  The determination unit 41a determines whether or not the rate between the virtual currency and the Fiat currency exceeds a predetermined value set in advance (S70). Note that the predetermined value of the rate between the virtual currency and the Fiat currency can be arbitrarily selected. For example, it is conceivable to set 100, that is, 100 Fiat currencies for one virtual currency.

  When the rate between the virtual currency and the Fiat currency does not exceed the predetermined value (No in S70), the determination unit 41a continues to determine whether or not the rate between the virtual currency and the Fiat currency exceeds the predetermined value. .

  When the rate between the virtual currency and the Fiat currency exceeds a predetermined value (Yes in S70), the division information generating unit 41b creates the virtual currency division information and transmits it to the market server 3 (S71). The division information includes new rates of virtual currency and Fiat currency. The new rate between the virtual currency and the Fiat currency is, for example, when the rate between the virtual currency before the split and the Fiat currency is 100, the new rate between the virtual currency and the Fiat currency after the split is set to 1. It may be possible to do so. Therefore, when the rate of the virtual currency and the Fiat currency is multiplied by 1/100 before and after the division, the number of virtual currencies is multiplied by 100 and the value of the virtual currency is multiplied by 1/100. That is, while the customer balance is held before and after the division, the number of virtual currencies is increased and the value of the virtual currency is decreased.

  When the market server 3 receives the division information (S72), the division processing execution unit 31a reflects the division information in the customer information DB 31b (S73). Specifically, the division processing execution unit 31a increases the number of virtual currencies stored in the customer information DB 31b according to the new rate of the virtual currency and the Fiat currency included in the division information, and the virtual currency Decrease the value of.

  In this way, the transaction system 1 using the virtual currency according to the present invention is bought and sold in the market by increasing the number of virtual currencies and reducing the value of the virtual currency while maintaining the balance of the virtual currency of the customer. Since the value of the virtual currency decreases, the value of the virtual currency can be easily maintained in the market, and 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 (divided processing execution unit) 32 ... (market server) storage unit 33 ... (market server) communication unit 4 ... management server 41 ... (management server) ) Processing unit 41a ... Determination unit 41b ... Divided information generation unit 42 ... (Management server) Storage unit 43 ... (Management server) Communication unit 5 ... Network

Claims (1)

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 management server
A determination unit configured to determine whether the rate of the virtual currency and off Iatto currency exceeds a predetermined value,
Division information for increasing the number of virtual currencies and reducing the value of the virtual currency while maintaining the balance of the virtual currency for each customer when the rate between the virtual currency and the Fiat currency exceeds a predetermined value Division information generating means for generating
With
The market server is:
A transaction information DB in which quotation information of the virtual currency and Fiat currency is stored;
A customer information DB storing balance information of the virtual currency and the Fiat currency for each customer;
Based on the division information, and division processing execution means for changing the number and value of the virtual currency contained before chopped pitch information,
A transaction system using virtual currency, characterized by comprising: