Management device and virtual currency system

Abstract

To provide a new method of using virtual currency that activates economic activities.SOLUTION: A virtual currency system comprises: an input unit 10 which inputs cash point information; and a management device 100 which manages virtual currency information, while converting the cash point information about cash inputted from the input unit 10 into the virtual currency information about virtual currency. The management device 100 converts the cash point information into the virtual currency information, and decreases value of the virtual currency as time passes. The value of the virtual currency in the virtual currency information is higher than the value of the cash in cash information when the cash point information is the cash information.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention provides Management device and This relates to a virtual currency system that uses virtual currency. [Background technology]

[0002] There have been attempts to use virtual currencies for some time now. Virtual currencies such as regional promotion coupons In most cases, once used, the equipment is collected and not reused. In this regard, it is necessary to use virtual currency in the virtual space on the homepage of public institutions such as city halls. It is also being considered to do so, and efforts are being made to solve the problems that come with it (see Patent Document 1).

[0003] In recent years, not only is it being used in virtual space, but people are actually using virtual currency. One example is the virtual currency called Bitcoin, which is used in everyday life. It is also being considered. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] JP 2004-258969 Summary of the Invention [Problem to be solved by the invention]

[0005] On the other hand, various methods have been used to stimulate economic activity, especially regional development. It is being done.

[0006] The present invention provides a new way to use virtual currency to stimulate economic activity. [Means for solving the problem]

[0007] A virtual currency system according to one aspect of the present invention comprises: an input section for inputting cash point information; The cash point information regarding the cash input from the input unit is converted into virtual points regarding virtual currency. a management device that converts the virtual currency information into currency information and manages the virtual currency information; Equipped with The management device reduces the value of the virtual currency over time, The value of the virtual currency in the virtual currency information is the value of the virtual currency in the cash point information. In some cases, the cash value may be higher than the cash value in the cash information.

[0008] In one aspect of the present invention, a virtual currency system includes: The management device uses a first conversion rate to prepay the consumers belonging to a first consumer category. The cash point information is converted into the virtual currency information and distributed to consumers belonging to a second consumer category. Alternatively, the cash point information may be converted into the virtual currency information using a second conversion rate. .

[0009] In one aspect of the present invention, a virtual currency system includes: The management device uses first depreciation information for consumers belonging to a first consumer category. Decreasing the value of the virtual currency in the virtual currency information and The second depreciation information is used to decrease the value of the virtual currency in the virtual currency information. That's fine.

[0010] In one aspect of the present invention, a virtual currency system includes: The consumers belonging to the first consumer category are domestic consumers; The consumers belonging to the second consumer category are overseas consumers; The management device uses first depreciation information to access the virtual currency information for the domestic consumer. and for the overseas consumer, the second depreciation information is used to reduce the value of the virtual currency in the Decreasing the value of virtual currency in virtual currency information, the second conversion rate is greater than the first conversion rate; The rate of decrease in the value of the virtual currency based on the second depreciation information is It may be greater than the rate of depreciation of the currency.

[0011] In one aspect of the present invention, a virtual currency system includes: The consumers belonging to the first consumer category are domestic consumers; The consumers belonging to the second consumer category are overseas consumers; For the domestic consumers, the value of the virtual currency in the virtual currency information will be calculated over time. Also, gradually reduce For the overseas consumers, after a certain period of time has passed, the virtual currency in the virtual currency information will be may decrease the value of

[0012] In one aspect of the present invention, a virtual currency system includes: The management device uses fee information related to fees to transfer the virtual currency information to the cash point. The information may be converted into point information.

[0013] In one aspect of the present invention, a virtual currency system includes: The management device uses business owner fee information to provide the business owner with the virtual currency information. The virtual currency information is converted into cash point information, and the consumer fee information is used to provide the virtual currency information to the consumer. converting the information into the cash point information; The fee based on the business fee information is higher than the fee based on the consumer fee information. It can be cheap.

[0014] In one aspect of the present invention, a virtual currency system includes: The virtual currency may be available only in a predetermined region.

[0015] In one aspect of the present invention, a virtual currency system includes: Blockchain may also be used.

[0016] In one aspect of the present invention, a virtual currency system includes: When the cash information is used as the cash point information, the management device The cash information is converted into the virtual currency information using a rate, and points are converted into the cash point information. When point information is used, the point conversion rate is used to convert the point information into virtual currency information. may be converted to [Effects of the Invention]

[0017] In the present invention 、 If a system that reduces the value of virtual currency over time is adopted, consumption of virtual currency can be encouraged, which can encourage consumer spending and stimulate the economy. [Brief explanation of the drawings]

[0018] [Figure 1] FIG. 1 is a schematic block diagram for explaining an overview of a virtual currency system according to an embodiment of the present invention. [Figure 2] FIG. 2 is a graph showing an example of how the value of virtual currency decreases in accordance with an embodiment of the present invention. [Figure 3] FIG. 3 is a graph showing another example of how the value of virtual currency decreases in accordance with an embodiment of the present invention. [Figure 4] FIG. 4 is a graph showing yet another example of how the value of virtual currency decreases in accordance with an embodiment of the present invention. DETAILED DESCRIPTION OF THE INVENTION

[0019] Embodiment "composition" Hereinafter, an embodiment of an information processing device according to the present invention will be described with reference to the drawings. 1 to 4 are diagrams for explaining an embodiment of the present invention.

[0020] As shown in FIG. 1, the virtual currency system of this embodiment includes an input unit 1 for inputting cash information. 0, and cash information relating to cash input from the input unit 10, and virtual currency information relating to virtual currency. and a management device 100 that manages virtual currency information. 0 and the management device 100 may be connected via the Internet. Although cash point information is mainly explained using cash information related to cash, it is not limited to this. Cash point information is not included in the point information issued by companies, etc. If the cash point information is point information, the virtual currency information may be used. The value of the virtual currency in the point information may be equal to or greater than the value of the points in the point information. The "value of virtual currency" and "value of points" are the amounts converted into cash. In other words, the value of the virtual currency and the value of the points that can be used to purchase the same amount of goods. "Value" means the same value, and if a more expensive item can be purchased, that value means that is high.

[0021] The management device 100 converts the cash information into virtual currency information based on a preset conversion rate, The virtual currency information may decrease the value of the virtual currency over time. The value of the virtual currency in the cash information may be higher than the value of the cash in the cash information. In this embodiment, the explanation will be given on the assumption that the management device 100 is a single computer. However, the management device 100 may be configured with multiple computers. In addition, the computers may be located in the same place or in different places. Also, multiple computers may be owned or managed by different entities. Money information may be entered by actually depositing cash or transferring funds to an account, The payment may be made by credit card or other card.

[0022] The input unit 10 is an arbitrary terminal 11 such as a personal computer, a smartphone, a tablet terminal, etc. The input unit 10 may be a terminal installed at a predetermined location, or may be an installed terminal 12 installed at a predetermined location. In the case of an optional terminal 11 such as a personal computer, smartphone, tablet terminal, etc., Once a deposit is made from any terminal 11 to a designated account and the deposit is confirmed, the virtual currency is consumed. The card information such as credit card information entered from the optional terminal 11 may be provided to the user. Once the input unit 10 is installed in a predetermined location, the virtual currency may be provided to the consumer. If the installed terminal 12 is a terminal that has been installed, the installed terminal 12 can be used to pay by cash, credit card, etc. A payment may then be made and virtual currency information may be recorded as a result.

[0023] Virtual currency information can be stored on any device, such as a PC, smartphone, or tablet. The information may be recorded in a storage unit 140 (to be described later) of the management device 100, which can be accessed from an IC The card 15 may be issued and recorded on the IC card 15. The optional terminal 11, such as a phone, tablet, etc., does not need to be owned by the consumer. It may be a terminal rented by a local government or rented by a vendor at an airport, etc. It is also possible.

[0024] As shown in FIG. 1, the management device 100 includes a recording unit 140 for recording various information, and a terminal 1 a communication unit 110 that communicates with the devices 1, 12, etc. via the Internet; a display unit 130 for displaying information recorded in a recording unit 140; A conversion unit 160 that converts virtual currency information into virtual currency information and vice versa. and a control unit 150 that controls each of these units.

[0025] The virtual currency may be available only in a pre-defined area. For example, it may be available only in Prefecture A. It may be possible to use it in City B, or it may be possible to use it only in City B. Or it may be possible to use it in the Kanto region or the Kinki region. It may be available only in certain geographical areas.

[0026] Blockchain may also be used. Blockchain is a system that Multiple computers share and verify transaction records to create a chain of correct records ( By adopting blockchain, This will reduce the implementation cost and encourage the adoption of the virtual currency system according to this embodiment. It is also beneficial in that it allows for pseudo-mining in virtual currency systems. The user who comes in first may be given a predetermined amount (value) of virtual currency. By adopting such a method, users of the virtual currency system can automatically receive This will create an incentive to use virtual currency. For example, a virtual currency system can be used as a local currency. In this case, the user base will be smaller, so there is a higher probability that virtual currency will be given. This will further reduce the incentive to use virtual currencies. It is expected that this will be provided to those

[0027] When the management device 100 converts the cash information into virtual currency information, The value of the virtual currency may be higher or lower than the value of the cash in the cash information. The value of virtual currency in virtual currency information is made higher than the value of cash in cash information. In such cases, a premium value is attached. If the value of gold is "1", the value of the converted virtual currency is "1+p" (0% <p≦5 0%), and as a more specific example, "p" may be 10% to 30%. .

[0028] When the value of virtual currency decreases over time, it can be reduced at a fixed depreciation rate. For example, if the value of virtual currency when converting cash to virtual currency is set to "1", In this case, the value of the virtual currency after a period of "t" is "(1-d) × t" (0% <d≦1 00%). "t" can be any period such as 1 week, 1 month, or 1 year. If the value of virtual currency decreases, for example, every time the date changes, The decrease may be continuous or may be intermittent, for example, every certain period of time such as one week or one month. It may be decreased (see Figure 2).

[0029] The management device 100 uses a first conversion rate for consumers belonging to a first consumer category. Convert cash information into virtual currency information, and for consumers belonging to the second consumer category, convert the second A conversion rate may be used to convert the cash information into virtual currency information, where the second conversion rate is greater than the first conversion rate. It may be greater than the conversion rate.

[0030] The management device 100 uses the first depreciation information for consumers belonging to the first consumer category. This reduces the value of virtual currency in virtual currency information, and consumers in the second consumer category For the virtual currency, the value of the virtual currency in the virtual currency information may be reduced using the second depreciation information. In this case, the rate of decrease (decrease rate) of value based on the second depreciation information is the same as the rate of decrease (decrease rate) of value based on the first depreciation information. The rate of decrease (depreciation rate) may be greater than the rate of decrease (depreciation rate).

[0031] The second conversion rate will be greater than the first conversion rate, and the depreciation of the virtual currency based on the second depreciation information will be As an example, the depreciation rate may be greater than the rate of decrease in the value of virtual currency based on the first depreciation information. Examples of such measures include the following: For consumers belonging to the second consumer category: For example, p=50%, t=2 weeks, and d=100%. It will be worth 50% as a premium, but after two weeks, the value will be 0 (Figure 3 On the other hand, for consumers in the first consumer category, p = 20% and t = 1 months and d may be 10%. In this case, the premium is worth 20%. The value of the token decreases by 10% every month, and after 10 months, the value of the token will be It becomes 0 (see Figure 2).

[0032] The management device 100 converts the virtual currency information into cash information using the fee information related to the fee. In this case, the virtual currency information can be converted into cash information for a certain fee. Alternatively, virtual currency information may be converted into cash information with a different fee for each price range. The cryptocurrency information may be converted into cash information at a fixed commission rate. When converting virtual currency information into cash information for a fee, for example, if the amount is less than 1,000 yen, There is a 100 yen fee for currency conversion, and if the amount is between 1,000 yen and 5,000 yen, the virtual currency If the amount is over 5,000 yen, a fee of 500 yen will be charged for the currency conversion. It may be possible to charge 1,000 yen for the virtual currency information to be exchanged for cash information at a predetermined fee rate. When converting virtual currency into real currency, if the value of the virtual currency to be converted is set to "1", the converted virtual currency will be The value of gold may be "1-q" (0%≦q≦10%).

[0033] Simply converting cash into virtual currency and then converting that virtual currency into cash can result in unfair profits. To avoid this, the premium value gained by converting cash into cryptocurrency is higher than the premium value gained by converting cash into cryptocurrency. The fees required to convert virtual currency into cash may be large. If a certain amount is not consumed, the virtual currency may not be convertible to cash.

[0034] The management device 100 uses the first fee information for the consumers belonging to the first consumer category. For consumers in the second consumer category, virtual currency information is converted into cash information. The virtual currency information may be converted into cash information using the second fee information. In this case, the second fee The fee based on the information may be higher than the fee based on the first fee information. For consumers in the consumer category (e.g., overseas consumers), virtual currency information is treated as cash information. The information may not be convertible into information.

[0035] The management device 100 converts the virtual currency information into cash information for the business owner using the business owner fee information. For consumers, virtual currency information is converted into cash information using consumer fee information. Fees based on business fee information may be higher than fees based on consumer fee information. For example, the fee based on the business owner fee information may be 0 yen. In addition, for a certain number of times during a certain period, the fee based on the business owner fee information is 0 yen. If the number of times exceeds the specified number, a fee may be charged. For example, once a week Or, up to four times a month, there is no fee, but if the frequency exceeds that, the consumer will be charged a fee. The same fee (based on consumer fee information) as converting cryptocurrency information into cash information , the business owner may be able to convert virtual currency information into cash information.

[0036] In addition, business operators who can convert virtual currency information into cash information using business operator fee information are Such business owners may be limited to those in areas where the currency can be used. The information registered in this way may be stored in the recording unit 140 and managed in advance. It will be recorded.

[0037] In addition, business owners who can convert virtual currency information into cash information using business owner fee information are It may be possible to prevent cash from being converted into virtual currency mainly through the above. By doing so, cash can be converted into virtual currency, and an unfair advantage can be obtained simply by converting the virtual currency into cash. It is possible to prevent profits from being generated.

[0038] The above "p" (premium rate), "t" (depreciation period), and "d" (depreciation rate) regarding virtual currencies ), "q" (fee rate), etc. may vary by region. "p" in prefecture β is larger than "p" in prefecture α for a certain period. "d" is larger than "d" in prefecture β, and "q" in prefecture α is also larger than "q" in prefecture β. It may be larger than the

[0039] In addition, there are cases where cash information is used as cash point information and cases where point information is used. The conversion rate may be different. For example, the management device 100 may store the cash point information as When cash information is used, the cash conversion rate is used to convert the cash information into virtual currency information, and the When point information is used as gold point information, the point conversion rate is used. The point information may be converted into virtual currency information. It may be larger or smaller than the rate.

[0040] If the point conversion rate is set higher than the cash conversion rate, consumers will be able to use points issued by companies, etc. We can expect that consumers will be more willing to convert their points into cryptocurrencies. It is expected that people will try to collect more points issued by companies, etc. Even if the conversion rate is lower than the cash conversion rate, consumers can still use points as virtual currency instead of cash. In some cases, consumers may wish to convert the money into currency and use it effectively. You can expect to collect points by participating in the game. Alternatively, the range may be set to 80% to 130%. The value of the virtual currency in the information will be equal to or greater than the value of the points in the point information. The point conversion rate may be set in the range of 100% to 130%.

[0041] Actions and Effects Next, the effects and advantages of the present embodiment having the above-described configuration will be described. Even if the configuration is not explained in the "Configuration", it will be explained in the "Action and Effect". Any of the configurations used can be employed in the present invention.

[0042] In this embodiment, when cash information is converted into virtual currency information, The value of the virtual currency is set higher than the value of the cash in the cash information. In this case, it can facilitate the conversion of cash into virtual currency. If both of these methods are adopted to reduce the value of virtual currency, they will encourage consumption of virtual currency. This will encourage consumer spending and stimulate the economy. In particular, if virtual currency can only be used in a pre-defined region, It is expected that the area will be revitalized and that tourists will be attracted to the area. do.

[0043] For consumers in the first consumer category, the first conversion rate is used to convert cash information into virtual currency. and for consumers in the second consumer category, convert them into cash information using a second conversion rate. If a method of converting information into virtual currency information is adopted, the The conversion rate can be changed, allowing for flexible operation. For example, Consumers who have used large amounts of virtual currency in the region will be compared with consumers who have used small amounts of virtual currency in the region. Cash information may be converted into virtual currency information at a relatively high conversion rate. By adopting this approach, it is expected that the rate at which consumers return to the area will increase. For example, consumers who have used a large amount of virtual currency may The above are some examples of consumers who have used virtual currencies.

[0044] For consumers in the first consumer category, the first depreciation information is used to provide virtual currency information. The second category of consumers will be subject to a second depreciation. If the information is used to reduce the value of the virtual currency in the virtual currency information, The amount and rate of depreciation of virtual currency can be changed depending on the category of consumer, For example, the track record of virtual currency use in the target region can be For consumers with large amounts, the discount rate is set lower than for consumers with smaller amounts. In addition, the conversion rate (premium rate) for converting cash information into virtual currency information is relatively high. For consumers who do not have a cash balance, the conversion rate (premium rate) for converting cash information into virtual currency information is relatively high. The depreciation rate may be set higher than that of consumers with low cash flow. Instead of increasing the conversion rate (premium rate) for converting information into virtual currency information, the depreciation rate is increased. , the conversion rate (premium rate) of converting cash information into virtual currency information is lowered, but the depreciation rate is It may also be possible to choose to lower the value of the virtual currency. A conversion rate for converting cash information into virtual currency information may be preset, and the consumer may Considering the conversion rate and the period during which the value of the virtual currency becomes 0, Alternatively, a period other than the above may be selected.

[0045] The virtual currency information is converted into cash information using fee information related to fees. In this case, it is possible to prevent to a certain extent the conversion of virtual currency information into cash information. This can encourage the use of virtual currency. In particular, virtual currency can be used only in pre-defined areas. If possible, it is expected that the use of virtual currency in the region will be promoted, and regional revitalization will be expected. can.

[0046] For consumers in the first consumer category, virtual currency information is provided using first fee information. For consumers in the second consumer category, the second fee information is used. If a method of converting virtual currency information into cash information is adopted, the category to which the consumer belongs will be The amount and percentage of fees can be changed depending on the situation, allowing for flexible management. For example, For consumers who have used large amounts of virtual currency in the target areas, The amount or percentage of the commission may be set lower than that of consumers with lower transaction amounts. For consumers who have a relatively high conversion rate (premium rate) for virtual currency information, cash Compared to consumers who have a relatively low conversion rate (premium rate) for converting information into cryptocurrency information In addition, consumers themselves may exchange cash information for virtual currency information. Instead of increasing the conversion rate (premium rate) that converts the information into profits, the amount and percentage of the commission will be increased, The amount of commission will be reduced in exchange for lowering the conversion rate (premium rate) for converting gold information into virtual currency information. Consumers in the second consumer category may be allowed to choose to pay a lower or higher percentage. A situation in which virtual currency information cannot be converted into cash information for a third party (e.g., a consumer overseas) If this is adopted, it will be possible to encourage the use of virtual currency and also to predict the amount of money spent. It is also beneficial in that it allows for predictability.

[0047] In addition, consumers who belong to the first consumer category are considered domestic consumers, and those who belong to the second consumer category are considered If the consumers who are to be targeted are overseas consumers, the methods for attracting overseas consumers and the methods for attracting domestic consumers will be This is beneficial in that it can change the way we attract foreign consumers. Since people stay for only a week or two weeks, the second conversion rate is higher than the first conversion rate. Instead, the rate of decrease in the value of the virtual currency based on the second depreciation information is used to calculate the rate of decrease in the value of the virtual currency based on the first depreciation information. To encourage the use of virtual currencies by making the rate of depreciation greater than the rate at which virtual currencies are depreciated. For example, the conversion rate (premium rate) can be set extremely high, such as 50%. Instead, the value of the virtual currency can be set to 0 once the planned stay period has elapsed. In addition, for domestic consumers, as shown in Figure 2, The value of the product is gradually reduced over time, whereas for overseas consumers, the value of the product is reduced as shown in Figure 3. As shown in the figure, after a certain period of time, the value of the virtual currency in the virtual currency information will be reduced to 0. It may be reduced.

[0048] When the value of a virtual currency is gradually reduced over time, the rate of reduction remains the same. If the value of the virtual currency decreases at different rates, is decreased at a rate of d1 until t1, and at a rate of d2 (>d1) after t1 The rate of decrease may be increased (significantly) over time (see FIG. 4). By adopting this method, it is possible to exchange virtual currency before the lapse of a certain period t1. This can strongly encourage consumers to use cryptocurrencies, especially if they are only available in certain regions. If a mode that can be used is adopted, by adopting such a mode, it becomes possible to This is beneficial in that it can strongly encourage people to revisit the area before they leave.

[0049] For business owners, virtual currency information is converted into cash information using business owner fee information, and consumers The virtual currency information is converted into cash information using consumer fee information. In some cases, the amount and percentage of fees can be changed between the business owner and the consumer, allowing for flexible operation. In particular, for business owners, setting a low fee amount or percentage can make virtual transactions more affordable. It is expected that the number of affiliated stores that can use the currency will increase. If used, it is beneficial in that it can also simplify tax treatment.

[0050] Finally, the disclosure of the above-mentioned embodiments and drawings is based on the claims. The present invention is merely an example for explaining the present invention, and the above-mentioned embodiment and the disclosure of the drawings are not intended to be limiting. Therefore, the invention described in the claims is not limited. The description of the claims is merely an example, and the claims should be appropriately revised based on the description in the specification, drawings, etc. You can also change it. [Explanation of symbols]

[0051] 10 Input section 11 Optional terminal (input section) 12 Installation terminal (input section) 15 IC card 100 Management device 110 Communications Department 120 Operation section 130 Display section 140 Recording Unit 150 control section 160 Conversion Unit

Claims

1. A management device capable of communicating with a plurality of consumer mobile terminals, receiving cash information input from a consumer's mobile terminal and managing virtual currency based on the cash information; Manage virtual currencies so that they can be used in two or more different regions for a single consumer, and separately manage a first virtual currency that can be used only in one region and a second virtual currency that can be used only in another region; A management device that separately manages the time when the value of the first virtual currency that can be used by the one consumer using the consumer mobile terminal becomes zero and the time when the value of the second virtual currency that can be used by the one consumer using the consumer mobile terminal becomes zero.

2. The consumer mobile device is a smartphone or a tablet device, The management device described in claim 1, which separately manages the time when the value of the first virtual currency available on the consumer mobile terminal of the one consumer drops from 100% to 0 and the time when the value of the second virtual currency available on the consumer mobile terminal of the one consumer drops from 100% to 0.

3. A management device as described in claim 1 or 2, which manages the premium rate granted in the first virtual currency that can be used by the one consumer using a consumer mobile terminal so that the premium rate granted in the second virtual currency that can be used by the one consumer using a consumer mobile terminal have different values.

4. A management device as described in claim 1 or 2, which manages the first virtual currency that can be used by the one consumer using a consumer mobile terminal to be given a premium, but not to be given a premium on the second virtual currency that can be used by the one consumer using a consumer mobile terminal.

5. A plurality of consumer mobile terminals; a management device capable of communicating with the consumer mobile terminal; Equipped with Consumers will be able to input cash information on their mobile devices, the management device receives the cash information from the consumer's mobile terminal and manages virtual currency based on the cash information; the management device manages virtual currencies so that one consumer can use them in two or more different regions, and manages a first virtual currency that can be used only in one region and a second virtual currency that can be used only in another region separately; The management device separately manages the time when the value of the first virtual currency that can be used by the one consumer using the consumer mobile terminal becomes zero and the time when the value of the second virtual currency that can be used by the one consumer using the consumer mobile terminal becomes zero. Virtual currency system.

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