Program, information processor, and method for processing information

Abstract

To provide a program, an information processor, and a method for processing information which contribute to realization of a flexible rate which varies the values of currencies depending on a condition.SOLUTION: A computer program acquires a first identifier showing a first value standard of a currency linked to a provider of a product or a service and a second identifier showing a second value standard of the currency linked to the price of the first value standard and a receiver of the product or the service, acquires the exchange rate between different value standards of the currency on the basis of the first identifier and the second identifier, withdraws money for the price from a financial a bank account of the receiver on the basis of the acquired exchange rate, and deposits the money into a bank account of the provider.SELECTED DRAWING: Figure 2

Description

[Technical field]

[0001] The present invention relates to a program, an information processing device, and an information processing method for performing deposit and withdrawal processing for a financial account. [Background technology]

[0002] There is a desire to eliminate the economic disparity between the metropolitan area and other regions. In relation to this, local currencies are being issued with the aim of revitalizing the region. Local currencies aim to revitalize the economic activity of a particular region by limiting the area in which they can be used. For example, Patent Document 1 proposes an information processing system for managing local currencies. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2021-108051 A Summary of the Invention [Problem to be solved by the invention]

[0004] Although local currencies can stimulate economic activity within a region, they do not lead to the elimination of economic disparities between regions. The inventor of the present application has conducted intensive research to solve the above problem. The inventor of the present application has focused on the fact that wealth tends to gather in places where wealth is abundant and where it is strong. The inventor of the present application has recognized that, traditionally, wealth has been concentrated in the metropolitan area, and since the value of the currency is the same throughout the country, it is advantageous to live in the metropolitan area, and a cycle has been created in which people, goods, and money are concentrated in the metropolitan area. As a result, the inventor of the present application has found that if floating exchange rates can be realized in different regions, the market's adjustment function will reduce economic disparities between regions. Furthermore, the inventor of the present application has found that fluctuating the value of currency based on various perspectives, such as people's attributes, can provide a clue to solving various social problems. People's attributes include place of residence, whether or not they are raising children, whether or not they are receiving welfare assistance, etc. The present invention is an invention that has been completed based on such knowledge. Its purpose is to provide a program, an information processing device, and an information processing method that contribute to the realization of a floating exchange rate that makes the value of currency different depending on conditions. [Means for solving the problem]

[0005] A computer program according to one embodiment of the present application obtains a first identifier indicating a first value standard of a currency associated with a provider of a product or service, a price in the first value standard, and a second identifier indicating a second value standard of the currency associated with a recipient of the product or service, obtains an exchange rate between different value standards of the currency based on the first identifier and the second identifier, and withdraws money equivalent to the price from the recipient's financial account and deposits it into the provider's financial account based on the obtained exchange rate. Effect of the Invention

[0006] In one aspect of the present application, it is possible to contribute to the realization of a floating exchange rate in which the value of a currency varies depending on conditions. [Brief description of the drawings]

[0007] [Figure 1]FIG. 1 is an explanatory diagram illustrating an example of the configuration of a financial service system. [Diagram 2] FIG. 2 is a block diagram illustrating an example of a hardware configuration of a base server. [Diagram 3] 3 is a block diagram showing an example of the hardware configuration of a receiver terminal. FIG. [Figure 4] FIG. 2 is a block diagram showing an example of the hardware configuration of a remitter terminal. [Diagram 5] FIG. 11 is an explanatory diagram showing an example of a rate DB. [Figure 6] 13 is a flowchart showing an example of a remittance process. [Figure 7] 13 is a flowchart showing an example of a remittance process. [Figure 8] 13 is a flowchart showing an example of a remittance process. [Figure 9] FIG. 13 is an explanatory diagram showing an example of a remittance confirmation screen. [Figure 10] FIG. 13 is an explanatory diagram showing an example of a passbook screen of a remitter's account. [Figure 11] FIG. 13 is an explanatory diagram showing an example of a passbook screen of a recipient's account. [Figure 12] 13 is a flowchart showing an example of a procedure for payment processing. [Figure 13] 13 is a flowchart showing an example of a procedure for payment processing. [Figure 14] 13 is a flowchart showing an example of a procedure for payment processing. [Figure 15] FIG. 13 is an explanatory diagram showing an example of a payment confirmation screen. [Figure 16] FIG. 13 is an explanatory diagram showing an example of a transfer statement. [Figure 17] 13 is a flowchart showing an example of a procedure for salary transfer processing. [Figure 18] 13 is a flowchart showing an example of a procedure for salary transfer processing. [Figure 19] FIG. 13 is an explanatory diagram showing an example of Taro Nippon's account statement and the account statement to be presented. [Figure 20] FIG. 2 is an explanatory diagram showing an example of an account statement for store A and the account statement to be presented. [Figure 21]FIG. 11 is an explanatory diagram showing another configuration example of the financial services system. [Figure 22] 13 is a flowchart showing another example of a procedure for remittance processing. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0008] An embodiment will be described below with reference to the drawings. In the following description, a case will be described in which the value of a currency (here, the yen) varies depending on the region (here, the prefecture). That is, a different value standard is set for each prefecture. The yen for which a value standard is set for each prefecture is collectively called a prefecture yen. The prefecture name is used as an identifier for the value standard, and the name of each prefecture yen is "prefecture name" + "yen." For example, a prefecture yen that has the same value within Tokyo is called a Tokyo yen.

[0009] Unlike local currencies, the prefectural yen is expected to be used nationwide, but it does not use physical tokens such as paper money or coins, and physical tokens will not be circulated to other prefectures. The prefectural yen is electronic data and can be used for electronic payments, etc. In order for the prefectural yen to be usable outside of its region, it is necessary to be able to exchange value between prefectural yens. For this purpose, exchange rates (exchange ratios) between prefectural yens are determined. Since there are 47 prefectures, 23 exchange rates are required, but if these are determined independently, they will not be operated in a unified manner, and the goal of reducing economic disparities between prefectures will not be achieved. Therefore, exchange rates between each prefectural yen and the base yen will be determined, and exchange rates between prefectural yens will be determined based on these exchange rates. The base yen is a yen that has the same value nationwide and is the traditional legal currency, the Japanese yen.

[0010] Figure 1 is an explanatory diagram showing an example of the configuration of a financial services system. Financial services system 100 is a system that provides remittance services such as bank transfers and postal transfers, payment services such as account withdrawals, and the like. Financial services system 100 includes an infrastructure server 1, Bank A system 2, Bank B system 3, a recipient terminal 4, and a remitter terminal 5. Infrastructure server 1, Bank A system 2, Bank B system 3, recipient terminal 4, and remitter terminal 5 are connected to each other via network N so that they can communicate with each other.

[0011] Infrastructure server 1 provides various information processing to fluctuate the value of currency. Bank A system 2 and Bank B system 3 are bank systems participating in financial services system 100. Participants in financial services system 100 are not limited to banks, and may be financial institutions other than banks, such as credit unions, credit associations, labor banks, and the Shoko Chukin Bank. However, participating financial institutions must provide users with account services that allow them to manage multiple yen whose values ​​fluctuate. In the following explanation, Bank A system 2 and Bank B system 3 will be referred to as Bank A 2 and Bank B 3, respectively.

[0012] The receiver terminal 4 is a terminal used by the receiver who receives currency in a transaction. The remitter terminal 5 is a terminal used by the remitter who pays currency in a transaction. It goes without saying that the positions of receiver and remitter are temporary, and a receiver can also be a remitter and a remitter can also be a receiver.

[0013] 2 is a block diagram showing an example of the hardware configuration of the infrastructure server. The infrastructure server 1 is configured with a server computer, a workstation, a PC (Personal Computer), etc. The infrastructure server 1 may also be configured with a multicomputer consisting of multiple computers, a virtual machine virtually constructed by software, or a quantum computer. Furthermore, the functions of the infrastructure server 1 may be realized by a cloud service.

[0014] The infrastructure server 1 includes a control unit 11, a main memory unit 12, an auxiliary memory unit 13, a communication unit 14, and a reading unit 15. Each component is connected by a bus B.

[0015] The control unit 11 has one or more arithmetic processing devices such as a CPU (Central Processing Unit), an MPU (Micro-Processing Unit), a GPU (Graphics Processing Unit), etc. The control unit 11 reads out and executes a control program 1P (program, program product) stored in the auxiliary storage unit 13, thereby performing various information processing, control processing, etc., and realizing various functional units.

[0016] The main memory unit 12 is a static random access memory (SRAM), a dynamic random access memory (DRAM), a flash memory, etc. The main memory unit 12 mainly temporarily stores data necessary for the control unit 11 to execute arithmetic processing.

[0017] The auxiliary storage unit 13 is a hard disk or a solid state drive (SSD) or the like, and stores the control program 1P and various DBs (databases) required for the control unit 11 to execute processing. The auxiliary storage unit 13 stores a rate DB 131. The auxiliary storage unit 13 may be an external storage device that is separate from and externally connected to the base server 1. The various DBs and the like stored in the auxiliary storage unit 13 may be stored in a database server or cloud storage different from the base server 1.

[0018] The communication unit 14 communicates with Bank A 2 or Bank B 3 via the network N. In addition, the control unit 11 may use the communication unit 16 to download the control program 1P from another computer via the network N or the like, and store it in the auxiliary storage unit 13.

[0019] The reading unit 15 reads the portable storage medium 1a including a CD (Compact Disc)-ROM and a DVD (Digital Versatile Disc)-ROM. The control unit 11 may read the control program 1P from the portable storage medium 1a via the reading unit 15 and store it in the auxiliary storage unit 13. The control unit 11 may also read the control program 1P from the semiconductor memory 1b.

[0020] 3 is a block diagram showing an example of the hardware configuration of the receiver terminal 4. The receiver terminal 4 is configured with a desktop PC (Personal Computer), a notebook computer, a tablet computer, a smartphone, etc. The receiver terminal 4 includes a control unit 41, a main memory unit 42, an auxiliary memory unit 43, a communication unit 44, an input unit 45, and a display unit 46. Each component is connected by a bus B.

[0021] The control unit 41 has one or more arithmetic processing devices such as a CPU, an MPU, a GPU, etc. The control unit 41 provides various functions by reading and executing a control program 4P (program, program product) stored in the auxiliary storage unit 43.

[0022] The main memory unit 42 is an SRAM, a DRAM, a flash memory, etc. The main memory unit 42 mainly temporarily stores data necessary for the control unit 41 to execute arithmetic processing.

[0023] The auxiliary storage unit 43 is a hard disk or SSD, etc., and stores various data necessary for the control unit 41 to execute processing. The auxiliary storage unit 43 may be a separate unit from the receiver terminal 4 and an external storage device connected externally. The various DBs, etc. stored in the auxiliary storage unit 43 may be stored in a database server or cloud storage.

[0024] The communication unit 44 communicates with Bank A 2 or Bank B 3 via the network N. In addition, the control unit 41 may use the communication unit 44 to download the control program 4P from another computer via the network N or the like, and store it in the auxiliary storage unit 43.

[0025] The input unit 45 is a keyboard and a mouse. The display unit 46 includes a liquid crystal display panel or an organic EL (electro Luminescence) display panel, etc. The display unit 46 displays a remittance screen output by Bank A 2 or Bank B. The input unit 45 and the display unit 46 may be integrated to form a touch panel display. The receiver terminal 4 may display on an external display device.

[0026] Fig. 4 is a block diagram showing an example of the hardware configuration of a remitter terminal. The remitter terminal 5 is composed of a tablet computer, a smartphone, a desktop PC, a notebook computer, etc. The remitter terminal 5 includes a control unit 51, a main memory unit 52, an auxiliary memory unit 53, a communication unit 54, a display panel 55, and an operation unit 56. Each component is connected by a bus B. The control unit 51, the main memory unit 52, the auxiliary memory unit 53, and the communication unit 54 are similar to the control unit 41, the main memory unit 42, the auxiliary memory unit 43, and the communication unit 44 of the receiver terminal 4, respectively, so their explanations are omitted.

[0027] The display panel 55 can be configured with a liquid crystal panel or an organic EL (Electro Luminescence) display, etc. The operation unit 56 can be configured with, for example, a touch panel incorporated in the display panel 55, and allows the user to perform predetermined operations on the display panel 55. The operation unit 56 can also perform operations on a software keyboard displayed on the display panel 55. The operation unit 56 may also be a hardware keyboard, a mouse, etc.

[0028] FIG. 5 is an explanatory diagram showing an example of a rate DB. The rate DB 131 stores the exchange rate between each prefecture yen and the base yen, the Japanese yen. The rate DB 131 includes an ID column, a name column, and a rate (against the Japanese yen) column. The ID column stores an ID that identifies the rate. The name column stores the name of the target prefecture yen. The rate (against the Japanese yen) column stores the exchange rate of the prefecture yen against the base yen.

[0029] We will now explain how the rate is determined. As mentioned above, the introduction of the prefectural yen is aimed at reducing and eliminating economic disparities between prefectures, so the rate should be determined based on the economic strength of each prefecture. For example, the rate is determined based on the average income of each prefecture. The rate of the prefectural yen to the base yen in the prefecture with the highest average income is set at 1. The rates of the other prefectural yen are determined in proportion to the average income. Data on average income can be obtained, for example, from the results of the National Household Structure Survey published by the Statistics Bureau of the Ministry of Internal Affairs and Communications. As this survey is conducted once a year, the rate is updated once a year.

[0030] Economic strength can also be measured by the flow of money in each prefecture. For example, if person X, a resident of prefecture A, buys something in prefecture B, it can be interpreted as "paying in prefecture A yen = prefecture A yen is sold and base yen is bought" and "transferring in prefecture B yen = base currency is sold and prefecture B yen is bought." Then, on a base yen basis, excess payment by prefecture A = prefecture A yen becomes cheaper, and excess transfer by prefecture B = prefecture B yen becomes more expensive, and the rate is determined based on the flow of prefecture yen. In this case, the rate is determined by the flow of each prefecture yen over a certain period. The rate is updated every time the flow is measured.

[0031] The method of determining the rate is not limited to the above. If an index can indicate economic strength, the index may be used to determine the rate. It is desirable to update the rate appropriately according to changes in the economic situation.

[0032] (Remittance processing) Next, transactions using prefecture yen will be described using information processing performed by the financial service system 100. Figures 6, 7, and 8 are flowcharts showing an example of the procedure for remittance processing. Here, remittance is made from a remitter's account in Bank A to a recipient's account in Bank B. The remitter operates the remitter terminal 5 to input and set the recipient's account information (receiving account information). The control unit 51 of the remitter terminal 5 transmits the receiving account information to Bank A (step S1). Bank A receives the receiving account information (step S2). Bank A transmits an inquiry addressed to Bank B to the infrastructure server (step S3). The content of the inquiry is, for example, the type of prefecture yen that the recipient will receive. The inquiry may include confirmation of the existence of the receiving account. The control unit 11 of the infrastructure server 1 transfers the inquiry to Bank B (step S4). Bank B receives the inquiry (step S5). Bank B sends a response addressed to Bank A to infrastructure server 1 (step S6). The response includes an identifier of the prefecture yen that the recipient will receive. The control unit 11 of infrastructure server 1 transfers the response to Bank A (step S7). Bank A receives the response (step S8). Bank A sends an inquiry about the exchange rate to infrastructure server 1 (step S9). The control unit 11 of infrastructure server 1 receives the inquiry (step S10). The control unit 11 sends the exchange rate to Bank A (step S11). The exchange rate is the exchange rate when the prefecture yen used by the remitter is exchanged for the prefecture yen used by the recipient. Infrastructure server 1 can calculate the exchange rate by referring to rate DB 131. Bank A receives the exchange rate (step S12). Bank A creates a confirmation screen for the remittance details and sends it to the remitter terminal 5 (step S13). The confirmation screen includes the recipient's name, receiving account information, and the name of the prefecture yen to be received. The control unit 51 of the remitter terminal 5 receives and displays the confirmation screen (step S14). The remitter checks the details and enters a confirmation. The control unit 51 accepts the confirmation input and sends a confirmation to Bank A (step S15). Bank A receives the confirmation (step S16). Bank A sends an input screen for inputting the remittance amount to the remitter terminal 5 (step S17). The control unit 51 of the remitter terminal 5 receives and displays the input screen (step S18). Go to Figure 7.

[0033] The remitter inputs the remittance amount. The remittance amount is the amount in the prefecture yen used by the remitter. The control unit 51 of the remitter terminal 5 accepts the remittance amount (step S19). The control unit 51 transmits the remittance amount to Bank A (step S20). Bank A receives the remittance amount (step S21). Bank A checks the remitter's account balance (step S22). The remitter's account information from which the remittance amount will be debited is specified in advance and transmitted to Bank A. Bank A calculates the amount to be received based on the remittance amount and the exchange rate (step S23). Bank A transmits a confirmation screen to the remitter terminal 5 (step S24). The confirmation screen includes information on the remittance destination account, the remittance amount, and the received amount. The control unit 51 of the remitter terminal 5 receives and displays the confirmation screen (step S25). The remitter checks the contents and issues an instruction to execute the remittance. The control unit 51 accepts the instruction and transmits a remittance instruction to Bank A (step S26). Bank A receives the instruction (step S27). Bank A updates the balance of the remittance account to the amount after debiting the remittance amount (step S28). Bank A sends remittance information addressed to Bank B to infrastructure server 1 (step S29). Control unit 11 of infrastructure server 1 transfers the remittance information to Bank B (step S30). Bank B receives the remittance information (step S31). Proceed to Figure 8.

[0034] Bank B updates the balance of the receiving account to the amount after depositing the received amount (step S32). Bank B sends a completion notification addressed to Bank A to infrastructure server 1 (step S33). The control unit 11 of infrastructure server 1 forwards the completion notification to Bank A (step S34). Bank A receives the completion notification (step S35). Bank A sends a completion screen to the remitter terminal 5 (step S36). The control unit 51 of the remitter terminal 5 receives and displays the completion screen (step S37). The control unit 51 ends the process.

[0035] Figure 9 is an explanatory diagram showing an example of a remittance confirmation screen. The remittance confirmation screen d01 is a screen displayed on the remitter terminal 5 in step S14 of Figure 6. The remittance confirmation screen d01 displays the remittance destination account information d011, the remittance amount d012, and the received amount d013. When the remittance button d014 is operated, a remittance instruction is sent from the remitter terminal 5 to Bank A.

[0036] FIG. 10 is an explanatory diagram showing an example of the bankbook screen of a remitter's account. FIG. 10 shows that 1,010 A Prefecture Yen was remitted to Nihon Taro on August 16, 2023. FIG. 11 is an explanatory diagram showing an example of the bankbook screen of a receiver's account. FIG. 11 shows that 1,000 Tokyo Yen was received from Sanbon Hanako on August 16, 2023. In this way, the remitter uses A Prefecture Yen and the receiver uses Tokyo Yen, but the remittance can be made without any special additional procedures.

[0037] (Payment Processing) FIG. 12, FIG. 13, and FIG. 14 are flow charts showing an example of the procedure of payment processing. In this payment processing, it is assumed that a product is purchased from an online shopping site and the price is paid. The remitter, who has decided which product to purchase from the online shopping site, instructs the remitter terminal 5 to settle the payment. The control unit 51 of the remitter terminal 5 sends a settlement request to the online shopping site (step S51). The online shopping site receives the settlement request (step S52). The online shopping site sends a selection screen for selecting a payment method to the remitter terminal 5 (step S53). The control unit 51 of the remitter terminal 5 receives and displays the selection screen (step S54). The remitter selects a payment method and issues a settlement instruction to the remitter terminal 5. The control unit 51 of the remitter terminal 5 sends a settlement request to the online shopping site (step S55). The control unit 51 receives the settlement request (step S56). The online shopping site sends billing information to the agency (step S57). The agency is an agency that collects the product price on behalf of the seller on the mail order site. The billing information includes at least the billing amount and the prefecture yen identifier. The agency receives the billing information (step S58). The agency sends a selection screen to the remitter terminal 5 to select the financial institution where the withdrawal account is located (step S59). The control unit 51 of the remitter terminal 5 receives the selection screen (step S60). The remitter selects a financial institution. Here, it is assumed that Bank A is selected. The control unit 51 sends the selection information to the agency (step S61). The agency receives the selection information (step S62). The agency sends the billing information to the selected financial institution, Bank A (step S63). Bank A receives the billing information (step S64). Bank A sends a login screen to the remitter terminal 5 for the remitter to log in to online banking (step S65). The control unit 51 of the remitter terminal 5 receives the login screen (step S66). Go to FIG. 13.

[0038] The remitter inputs his / her ID and password on the login screen. The control unit 51 of the remitter terminal 5 sends authentication information including the ID and password to Bank A (step S67). Bank A receives the authentication information and performs user authentication (step S68). Bank A sends a rate inquiry to the infrastructure server 1 (step S69). The inquired rate is the exchange rate between the prefecture yen used by the seller of the product on the mail order site and the prefecture yen used by the remitter. The control unit 11 of the infrastructure server 1 receives the inquiry (step S70). The control unit 11 refers to the rate DB 131 and calculates the exchange rate. The control unit 11 sends the exchange rate to Bank A (step S71). Bank A receives the exchange rate (step S72). Bank A sends a confirmation screen to confirm the payment details to the remitter terminal 5 (step S73). The control unit 51 of the remitter terminal 5 receives and displays the confirmation screen (step S74). The remitter checks the details and inputs an execution instruction. The control unit 51 accepts the instruction and sends a message to Bank A (step S75). Bank A receives the instruction (step S76). Bank A updates the balance of the remitter's account to the amount after the payment amount is debited (step S77). Bank A sends the remittance information to the agency (step S78). The agency receives the remittance information (step S79). The remittance information includes the product price and information about the product seller. It is assumed that the product seller has already provided the agency with account information for Bank B as the account for receiving the price. The agency sends the deposit information to Bank B (step S80). The deposit information includes account information and the amount to be deposited (= amount billed). Bank B receives the deposit information (step S81). Move to Figure 14.

[0039] Bank B updates the balance of the receiving account to the amount after the deposit amount has been deposited (Step S82). Bank B sends a completion notification to the agency (Step S83). The agency receives the completion notification (Step S84). The agency sends the completion notification to Bank A (Step S85). Bank A receives the completion notification (Step S86). Bank A sends a completion screen to the remitter terminal 5 (Step S87). The control unit 51 of the remitter terminal 5 receives the completion screen (Step S88). The control unit 51 displays the completion screen (Step S89) and ends the process.

[0040] Fig. 15 is an explanatory diagram showing an example of a payment confirmation screen. The payment confirmation screen d02 is the screen displayed on the remitter terminal 5 in step S74 of Fig. 13. The payment confirmation screen d02 displays the payee (the payee d021), the remitter d022, payment details d023, billing amount d024, and withdrawal amount d025. It shows that the price of the product has been billed in Shiga Prefecture yen, but the payment will be made in Tokyo yen. When the execute button d026 is operated, a payment execution instruction is sent from the remitter terminal 5 to Bank A.

[0041] In payment processing, the claim is made in the prefecture yen used by the claimant (receiver). The claim amount is then converted into the prefecture yen used by the payer (sender) and the resulting amount is debited. The debited amount is then converted back into the prefecture yen used by the claimant, and the converted amount (= claim amount) is paid to the claimant. In this way, the claimant uses Shiga prefecture yen and the payer uses Tokyo prefecture yen, but claims and payments can be made without any additional procedures.

[0042] The agent used in the payment process may be operated by the same agency that operates the infrastructure server 1. In this case, the infrastructure server 1 may take over the processing performed by the agent.

[0043] (Salary transfer processing) Next, we will explain the salary transfer process in which a company transfers a salary. Here, we assume that a company in Tokyo pays in Tokyo yen, and employees who receive the salary receive it in various prefecture yen. In addition, the company transfers the salary using Bank A. First, we will explain the transfer statement created when a company requests a financial institution to transfer a salary. Figure 16 is an explanatory diagram showing an example of a transfer statement. The transfer statement consists of a header H and a main body table T. The header H lists the company information of the payee, the name, the head office / branch number and the account number of the payment account, and the prefecture / yen identifier. The main body table T lists the information and amount of the employee who receives the salary. The main body table T includes a financial institution name column, a head office / branch number column, an account number column, a name column, an identifier column, and an amount column. The financial institution name column lists the name of the financial institution to which the transfer is made. The financial institution number may be listed instead of or together with the financial institution name. The head office / branch number column lists the head office / branch number of the payee. The account number column lists the account number of the payee. The name column contains the name of the transfer recipient (employee, etc.). The identifier column contains an identifier indicating the prefecture yen used by the employee, etc. The amount column contains the transfer amount in the prefecture yen used by the remitter, in this case Tokyo yen.

[0044] FIG. 17 and FIG. 18 are flow charts showing an example of the procedure for salary transfer processing. The remitter terminal 5 is a company terminal. The company's staff loads the above-mentioned transfer statement containing the transfer information into the remitter terminal 5. The control unit 51 of the remitter terminal 5 sends the transfer information to Bank A (step S101). Bank A receives the transfer information (step S102). Bank A stores the transfer information (step S103). Bank A sends a preparation completion notice to the remitter terminal 5 (step S104). The control unit 51 of the remitter terminal 5 receives and displays the preparation completion notice (step S105). The staff instructs the transfer. The control unit 51 sends the transfer instruction to Bank A (step S106). Bank A receives the transfer instruction (step S107). Bank A selects the transfer information to be processed (step S108). Bank A sends the transfer information to the infrastructure server 1 (step S109). The control unit 11 of the infrastructure server 1 receives the transfer information (step S110). The control unit 11 refers to the rate DB 131 and converts the transfer amount, written in Tokyo yen, the currency used by the company, to the prefecture yen used by the recipient (step S111). The control unit 11 sends the transfer information, including the converted transfer amount, to Bank B (step S112). If the employee receives the money in an account at a financial institution other than Bank B, Bank B will be the relevant financial institution, including in the following steps. Bank B receives the transfer information (step S113). Proceed to Figure 18.

[0045] Based on the transfer information, Bank B updates the balance of the receiving account (transfer destination) (step S114). Bank B sends a completion to the infrastructure server 1 (step S115). The control unit 11 of the infrastructure server 1 transfers the completion to Bank A (step S116). Bank A receives the completion (step S117). Bank A determines whether there is unprocessed transfer information (step S118). If Bank A determines that there is unprocessed transfer information (YES in step S118), it returns to step S108 in FIG. 17 and processes the unprocessed transfer information. If Bank A determines that there is no unprocessed transfer information (NO in step S118), it sends a completion screen to the remitter terminal 5 (step S119). The control unit 51 of the remitter terminal 5 receives the completion screen (step S120). The control unit 51 displays the completion screen and ends the process (step S121).

[0046] In the salary transfer process, the transfer amount written in the prefecture yen used by the company is converted by the infrastructure server 1 into the prefecture yen used by the employee receiving the payment, so it is possible to unify salary calculations and process them in the prefecture yen used by the employee. Also, assuming that the conversion rate is set appropriately, it is possible to consider abolishing regional allowances, cold weather allowances, etc. to eliminate regional disparities.

[0047] (Transitional Processing) The above process is based on the premise that the financial account used by the remitter to remit and the financial account used by the receiver to receive the remittance are both capable of managing the prefecture yen. However, it is considered difficult for all financial institution accounts to support the prefecture yen at the same time. Therefore, during the transitional period until all financial institution accounts support the prefecture yen, the following procedure will be used: In remittance processing, payment processing, salary transfer processing, etc., transactions are made in the prefecture yen, but the financial account manages the base yen, and when updating the balance, the amount in the prefecture yen is converted to the amount in the base yen and updated.

[0048] Let's take a concrete example. Nihon Taro, who lives in Tokyo, purchases sake worth 2,500 yen from A Shoten, which is located in A prefecture, and pays by bank transfer. The exchange rate is as follows:

[0049] 1 base circle = 1 Tokyo yen 1 base circle = 1.01A prefecture circle Based on the exchange rate, 2,500 A prefecture yen = 2,475 Tokyo yen.

[0050] FIG. 19 is an explanatory diagram showing an example of Taro Nippon's account statement and the account statement to be presented. FIG. 19A shows an example of an account statement prepared by a financial institution. The account is a base yen denominated account. The balance on August 25, 2023 was 5,000 base yen. On August 30, 2023, a payment of 2,475 base yen was made to Store A by account transfer, bringing the balance to 2,525 base yen.

[0051] Figure 19B shows an example of an account statement presented to Nippon Taro. Nippon Taro uses Tokyo Yen, and since 1 base yen = 1 Tokyo Yen, the numbers in the presented account statement are the same as those in Figure 19A, but are displayed as Tokyo Yen.

[0052] FIG. 20 is an explanatory diagram showing an example of an account statement for Store A and the account statement to be presented. FIG. 20A shows an example of an account statement prepared by a financial institution. The account is a base yen denominated account. The balance on August 28, 2023 was 9,901 base yen. On August 31, 2023, a payment of 2,475 base yen was received by account transfer from Nippon Taro, bringing the balance to 12,376 base yen.

[0053] Figure 20B shows an example of an account statement presented to Store A. Store A uses A Prefecture Yen, where 1 base yen = 1.01 A Prefecture Yen. The balance on August 28, 2023 is presented as 9,901 base yen x 1.1 = 10,000 A Prefecture Yen. On August 31, 2023, it is presented that a payment of 2,475 base yen x 1.01 = 2,500 A Prefecture Yen was received by direct debit from Nippon Taro. The balance is then presented as 12,376 base yen x 1.01 = 12,500 A Prefecture Yen.

[0054] As described above, during the transitional period, financial institutions will deposit and withdraw amounts in the base yen, but will present users with amounts in the corresponding prefecture yen.

[0055] (Financial account that accepts prefectural yen) As mentioned above, the prefectural yen is electronic data and is assumed to be used in electronic payments, etc. The previous legal currency, the Japanese yen, is referred to here as the base yen, and the base yen, which is materialized as currency, circulates at a common value standard nationwide. Therefore, a financial account is basically an account that handles both the base yen and the prefectural yen corresponding to the user. When cash is deposited / withdrawn, the balance of the base yen changes. When money is transferred / received via online banking, etc., the balance of the prefectural yen changes.

[0056] The above-mentioned embodiment aims to bring the benefits of floating exchange rates to society without destroying the framework of the single currency system that can be controlled by the national central bank, and without relying on currencies outside the single currency, such as foreign currencies, local currencies, or virtual currencies. In other words, by operating the prefecture yen, a currency whose value fluctuates for each prefecture is realized. And, by appropriately setting the exchange rate between the prefecture yens, it is expected to contribute to reducing or eliminating the economic disparity between prefectures.

[0057] In the above explanation, the regions are divided into prefectures, but this is not the only way. For example, multiple groups such as "capital", "capital surroundings / government-designated cities", "regions", and "depopulated areas" may be defined, and each city, ward, town, and village may be assigned to one of the groups.

[0058] (outside of region) In the above, we have used the prefectural yen as an example of a currency whose value fluctuates depending on the region, aiming to eliminate economic disparities between regions, but it can be applied to other purposes. For example, it is possible to set a value standard for those in an economically weak position. For example, a "youth yen" for young people, an "immigrant yen" for immigrants, a "welfare recipient yen" for people receiving welfare, etc. If these yens are paid out at a higher rate than the base yen, it will provide economic support.

[0059] As described above, the value of the currency can be changed from various perspectives. The various perspectives are the attributes of regions and people, as described above. For example, multiple perspectives may be combined, such as a resident of A prefecture and a young person, or a resident of B prefecture and a person receiving welfare, or one may be selected from multiple perspectives. The perspective for changing the value of the currency may be determined according to the transaction. Specifically, the perspective for changing the value of the currency may be determined according to the content of the product or service related to the transaction, and the time and place at which the transaction occurs. For example, in B prefecture, B prefecture yen and B prefecture·welfare yen can be used, and B prefecture·welfare yen is valued higher than B prefecture yen. A resident of B prefecture and a person receiving welfare can pay with B prefecture·welfare yen when purchasing necessities, but cannot pay with B prefecture·welfare yen when using for entertainment and entertainment.

[0060] (Periodic variable rate) We assume that a "child-rearing yen" is operated for couples who are raising children. We assume that child-rearing yen is used to pay child-rearing allowances. Since child-rearing allowances are intended to support the daily expenses required for child-rearing, and it is not natural for them to be saved, it is necessary to encourage their use. Therefore, child-rearing allowances are paid in child-rearing yen, and the rate of the child-rearing yen is changed over time to encourage its use. For example, in June, when child-rearing allowances are paid, the rate is 1 child-rearing yen = 1 base yen. In July, the rate is lowered to 1.01 child-rearing yen = 1 base yen. In August, the rate is further lowered to 1.05 child-rearing yen = 1 base yen. This provides an incentive to use the paid child-rearing allowance for consumption. Not limited to child-rearing allowances, benefits for expanding consumption, etc. can be thought of as stimulating the desire to consume by changing the rate in the same way. It is also possible to make them non-exchangeable and non-transferable after a preset period has passed. For example, by setting the exchange rate to 0, they become non-exchangeable and essentially non-transferable. By limiting the period during which it can be used, it is possible to encourage people to spend the entire amount paid during that period.

[0061] (Use of blockchain system) A financial services system may be constructed using a blockchain system. FIG. 21 is an explanatory diagram showing another example of the configuration of a financial services system. The financial services system 101 includes a blockchain 6, a receiver terminal 4, and a remitter terminal 5. In addition to the configuration described above, the receiver terminal 4 and the remitter terminal 5 each include a wallet that stores the balance of the prefecture yen. The wallet stores a wallet address, an identifier that identifies the prefecture yen, the balance, a public key, and a private key in association with each other. The wallet address is an address mathematically derived from the public key.

[0062] Next, the processing in the financial service system 101 will be described. FIG. 22 is a flow chart showing another example of the procedure of the remittance processing. The remitter sets remittance information such as the wallet address of the receiver and the remittance amount in the remitter terminal 5. The control unit 51 of the remitter terminal 5 acquires the remittance information (step S131). The control unit 51 creates a transaction (step S132). The transaction includes the wallet address of the remitter, the wallet address of the receiver, the remittance amount, and an identifier that specifies the prefecture yen associated with the remittance amount. The control unit 51 transmits the transaction to the blockchain 6 (step S133). The blockchain 6 receives the transaction (step S134). The blockchain 6 converts the amount to be remitted to the receiver (step S135). Based on the conversion rate between the prefecture yen used by the remitter and the prefecture yen used by the receiver, the blockchain 6 converts the remittance amount into the amount in the prefecture yen used by the receiver. The blockchain 6 stores the transaction (step S136). At this time, the blockchain 6 checks the balance of the remitter's wallet address and confirms that remittance is possible. If the balance is insufficient, an error occurs. The blockchain 6 subtracts the amount before conversion from the remitter's wallet and sends the converted amount to the recipient's wallet address (step S137). The control unit 41 of the recipient terminal 4 receives the remitted amount (step S138). The blockchain 6 sends a completion notice to the remitter terminal 5 (step S139). The control unit 51 of the remitter terminal 5 receives the completion notice (step S140). The control unit 51 displays the completion notice (step S141) and ends the process. The remittance process performed by the blockchain 6 may be implemented as a smart contract, and the process contents may include amount conversion, balance confirmation, etc. It is preferable that the conversion rate is managed by the blockchain 6. It is clear that the above-mentioned processes other than the remittance process can be realized by a person skilled in the art in the same way as the remittance process shown in FIG. 22.

[0063] The technical features (constituent elements) described in each embodiment can be combined with each other, and by combining them, new technical features can be formed. The embodiments disclosed herein are illustrative in all respects and should not be considered as limiting. The scope of the present invention is defined by the claims, not by the above meaning, and is intended to include all modifications within the scope and meaning equivalent to the claims. In addition, the claims are written in a format in which a claim cites two or more other claims (multiple claim format), but this is not limited to this format. The claims may be written in a format in which multiple claims cite at least one other claim (multi-multi claim format).

[0064] The following supplementary notes are further disclosed regarding the above-described embodiment.

[0065] (Appendix 1) Obtaining a first identifier indicating a first value standard of a currency associated with a provider of a product or service, a price in the first value standard, and a second identifier indicating a second value standard of the currency associated with a recipient of the product or service; Obtaining an exchange rate between different value units of the currency based on the first identifier and the second identifier; Based on the obtained exchange rate, money equivalent to the price is withdrawn from the recipient's financial account and deposited into the provider's financial account. A program that causes a computer to carry out processing.

[0066] (Appendix 2) the exchange rate is an exchange rate from the first value standard to the second value standard; depositing an amount equivalent to the price into a financial account of the provider that manages the currency at the first value standard; withdrawing the amount obtained by converting the price into a value in the second value standard from a financial account of the recipient that manages the currency in the second value standard; 2. The program described in Appendix 1.

[0067] (Appendix 3) When transferring a salary or pension from a financial account of a payer to a financial account of a payee, the amount is withdrawn in the common value standard of the currency; the exchange ratio is an exchange ratio from a common standard of value to the second standard of value; The financial account of the recipient is credited with the amount converted into the second standard of value based on the conversion ratio. 2. The program according to claim 1 or 2.

[0068] (Appendix 4) In a case where a remittance is made from a financial account of a sender that records a first identifier indicating a first value basis of a currency and a balance in said first value basis to a financial account of a receiver that records a second identifier indicating a second value basis of said currency and a balance in said second value basis, Obtain exchange rates between different value standards, When the remittance amount in the first value standard is received from the remitter, the amount in the second value standard to be received by the remittance receiver is calculated based on the remittance amount and the exchange rate; When the amount received in the second value standard is received from the receiver, the amount in the first value standard to be remitted by the remitter is calculated based on the amount received and the exchange rate; Withdraw the remittance amount from the financial account of the remitter and credit the receipt amount to the financial account of the remitter. A program that causes a computer to carry out processing.

[0069] (Appendix 5) Obtaining a first identifier indicating a first value standard of a currency associated with a product or service and a price in the first value standard; reading a second identifier indicating a second value standard of the currency associated with a recipient of the product or service; Obtain exchange rates between different value standards, determining a price to be displayed to the recipient based on the price and the obtained exchange rate; Display the determined price A program that causes a computer to carry out processing.

[0070] (Appendix 6) An information processing device including a control unit, The control unit Obtaining a first identifier indicating a first value standard of a currency associated with a provider of a product or service, a price in the first value standard, and a second identifier indicating a second value standard of the currency associated with a recipient of the product or service; Obtaining an exchange rate between different value units of the currency based on the first identifier and the second identifier; Based on the obtained exchange rate, money equivalent to the price is withdrawn from the recipient's financial account and deposited into the provider's financial account. An information processing device that executes processing.

[0071] (Appendix 7) Obtaining a first identifier indicating a first value standard of a currency associated with a provider of a product or service, a price in the first value standard, and a second identifier indicating a second value standard of the currency associated with a recipient of the product or service; Obtaining an exchange rate between different value units of the currency based on the first identifier and the second identifier; Based on the obtained exchange rate, money equivalent to the price is withdrawn from the recipient's financial account and deposited into the provider's financial account. An information processing method in which processing is performed by a computer.

[0072] (Appendix 8) The exchange rate is an exchange rate for a common standard of value, crediting the financial account of the provider with the amount converted into the common standard of value; The amount converted into the common value standard is withdrawn to the financial account of the recipient. 2. The program according to claim 1 or 2.

[0073] (Appendix 9) The exchange ratio is determined based on an exchange ratio between the first value standard and the common value standard and an exchange ratio between the second value standard and the common value standard. 2. The program according to claim 1 or 2.

[0074] (Appendix 10) The first value criterion is the economic strength of the region in which the product or service is provided or the provider of the product or service; The second value criterion is the area in which the recipient of the goods or services lives, or the economic strength of the recipient of the goods or services. 2. The program according to claim 1 or 2.

[0075] (Appendix 11) The exchange rate is calculated based on the average income of the region in which the product or service is provided and the average income of the region in which the recipient of the product or service resides. 2. The program according to claim 1 or 2.

[0076] (Appendix 12) Transmit a payment processing request for the price of the product or service at a price determined based on the exchange rate. 6. The program described in Appendix 5. [Explanation of symbols]

[0077] 100, 101: Financial Services Systems 1: Infrastructure server 11: Control section 12: Main memory 13: Auxiliary storage section 131: Rate DB 14: Communications Department 15: Reading section 16: Communications Department 1P: Control program 1a: Portable storage medium 1b: Semiconductor memory 2: A bank system, A bank 3: B Bank System, B Bank 4: Recipient terminal 41: Control section 42: Main memory 43: Auxiliary storage section 44: Communications Department 45: Input section 46:Display section 4P: Control program 5: Remitter terminal 51: Control section 52: Main memory 53: Auxiliary storage section 54: Communications Department 55: Display panel 56:Operation section B: Bus 6: Blockchain

Claims

1. Obtaining a first identifier indicating a first value standard of a currency associated with a provider of a product or service, a price in the first value standard, and a second identifier indicating a second value standard of the currency associated with a recipient of the product or service; obtaining an exchange rate between different value bases of the currency based on the first identifier and the second identifier; Based on the obtained exchange rate, money equivalent to the price is withdrawn from the recipient's financial account and deposited into the provider's financial account. A program that causes a computer to carry out processing.

2. the exchange rate is an exchange rate from the first value standard to the second value standard; depositing an amount equivalent to the price from a financial account of the provider that manages the currency based on the first value standard; The amount obtained by converting the price into a value in the second value standard is withdrawn from a financial account of the recipient that manages the currency in the second value standard. The program according to claim 1.

3. When transferring a salary or pension from a financial account of a payer to a financial account of a payee, the amount is withdrawn in the common value standard of the currency; the exchange ratio is an exchange ratio from a common standard of value to the second standard of value; The financial account of the recipient is credited with the amount converted into the second standard of value based on the conversion ratio. The program according to claim 1 or 2.

4. In a case where a remittance is made from a financial account of a sender that records a first identifier indicating a first value basis of a currency and a balance in the first value basis to a financial account of a receiver that records a second identifier indicating a second value basis of the currency and a balance in the second value basis, Obtain exchange rates between different value standards, When the remittance amount in the first value standard is received from the remitter, the amount in the second value standard to be received by the remittance receiver is calculated based on the remittance amount and the exchange rate; When the amount to be received in the second value standard is received from the receiver, the amount to be remitted by the remitter in the first value standard is calculated based on the amount to be received and the exchange rate; Withdraw the remittance amount from the financial account of the remitter and credit the receipt amount to the financial account of the remitter. A program that causes a computer to carry out processing.

5. Obtaining a first identifier indicating a first value standard of a currency associated with a product or service and a price in the first value standard; reading a second identifier indicating a second value standard of the currency associated with the recipient of the product or service; Obtain exchange rates between different value standards, determining a price to be displayed to the recipient based on the price and the obtained exchange rate; Display the determined price A program that causes a computer to carry out processing.

6. An information processing device including a control unit, The control unit Obtaining a first identifier indicating a first value standard of a currency associated with a provider of a product or service, a price in the first value standard, and a second identifier indicating a second value standard of the currency associated with a recipient of the product or service; obtaining an exchange rate between different value bases of the currency based on the first identifier and the second identifier; Based on the obtained exchange rate, money equivalent to the price is withdrawn from the recipient's financial account and deposited into the provider's financial account. An information processing device that executes processing.

7. Obtaining a first identifier indicating a first value standard of a currency associated with a provider of a product or service, a price in the first value standard, and a second identifier indicating a second value standard of the currency associated with a recipient of the product or service; obtaining an exchange rate between different value bases of the currency based on the first identifier and the second identifier; Based on the obtained exchange rate, money equivalent to the price is withdrawn from the recipient's financial account and deposited into the provider's financial account. An information processing method in which processing is performed by a computer.

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