JP2017059163A - Remittance system using virtual currency - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a remittance system using virtual currency that easily identifies a remittee and makes a smooth remittance in virtual currency.SOLUTION: A remittance system 1 using virtual currency comprises: multiple customer terminals 2; a market server 3 that receives a remittance instruction of virtual currency or its trading order input into the customer terminal 2; and a management server 4 that manages a market of virtual currency. The market server 3 comprises: a customer information DB 32b that stores balance information, account information and customer specification information for each customer; a remittee specification part 31a that receives the remittance instruction input into the customer terminal and retrieves the account information corresponding to remittee specification information concerning a customer as a remittee included in the remittance instruction from the remittee specification information; and a remittance part 31b that reflects a remittance amount included in the remittance instruction on the account information of the customer as the remittee.SELECTED DRAWING: Figure 1

Description

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

  Conventionally, a remittance system using a virtual currency is known. Patent Document 1 discloses a remittance system that can receive remittance from a remittance source to a remittance destination as electronic money.

JP 2012-94061 A

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

  When such a cryptocurrency is transferred between customers (users) of the remittance system, the remittance source customer provides the account information (account number, name of the holder, etc.) of the remittance customer along with the number of remittance of the virtual currency. There is a problem that it is necessary to input, and the work of specifying the remittance destination tends to be complicated at the time of remittance.

  Therefore, a technical problem to be solved in order to easily specify a remittance destination and smoothly remit the virtual currency arises, and the present invention aims to solve this problem.

  The present invention proposes to achieve the above object, and the invention according to claim 1 is a market server for receiving a plurality of customer terminals and a virtual currency remittance instruction or a buy / sell order input to the customer terminals. And a management server for managing the virtual currency market, wherein the customer terminal, the market server, and the management server are configured to communicate with each other, and the market server is a customer The customer information DB storing the balance information, account information, and customer identification information for each item, and the remittance instruction input to the customer terminal, and the remittance from the remittance destination specifying information related to the remittance customer included in the remittance instruction. Remittance destination specifying means for calling account information corresponding to the destination specifying information, and remittance means for reflecting the remittance amount included in the remittance instruction in the balance information of the remittance customer. To provide a remittance system using a virtual currency.

  According to this configuration, instead of inputting account information that is difficult for the remittance customer to memorize characters, the account of the remittance customer is based on the remittance destination identification information of the remittance customer entered by the remittance source customer. Since the information is called up, the remittance destination can be input easily and remittance can be performed smoothly.

  According to a second aspect of the present invention, in addition to the configuration of the first aspect of the invention, the remittance destination specifying information provides a remittance system using a virtual currency which is a telephone number of the customer of the remittance destination.

  According to this configuration, since the account information of the remittance customer is called up simply by inputting the telephone number of the remittance customer, the remittance can be performed more smoothly.

  In the remittance system using the virtual currency according to the present invention, the account information of the remittance customer is called based on the remittance destination specific information of the remittance customer input by the remittance customer, so that the remittance destination can be easily input. And remittance can be performed smoothly.

The block diagram which shows the remittance system using the virtual currency which concerns on one Example of this invention. The flowchart which shows the procedure which logs in to a personal exclusive page. The flowchart which shows the procedure which exchanges cash into Fiat currency. The flowchart which shows the procedure which buys virtual currency with Fiat currency. The flowchart which shows the procedure which withdraws cash. The flowchart which shows the procedure of international remittance. The flowchart which shows the input procedure of a remittance destination. The schematic diagram which shows the effect | action of a remittance destination specific part.

  The present invention provides a plurality of customer terminals, a market server that accepts remittance instructions or buy / sell orders for virtual currencies input to the customer terminals, in order to easily specify a remittance destination and smoothly remit the virtual currency, A remittance system using a virtual currency configured to be communicable with the customer terminal, the market server, and the management server. The market server includes balance information for each customer, account information, and Remittance to receive account information corresponding to remittance identification information from remittance destination identification information of the remittance destination customer included in the remittance instruction upon receipt of remittance instruction input to customer terminal and customer information DB storing customer identification information This is realized by including a destination specifying means and a remittance means for reflecting the remittance amount included in the remittance instruction in the balance information of the remittance customer.

  Hereinafter, a remittance system 1 using a virtual currency according to an embodiment of the present invention will be described with reference to the drawings. FIG. 1 is a configuration diagram showing a remittance system 1.

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

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

  One market server 3 is provided in one country. The market server 3 issues a Fiat currency corresponding to the cash of the country where it is installed. The market server 3 includes a processing unit 31, a storage unit 32, and a communication unit 33. In the following description, when generically referring to market servers installed in each country, reference numeral 3 is attached. When differentiating each market server, A and B are appended to the end of the reference signs. To distinguish.

  The processing unit 31 includes, for example, a CPU and a memory. The processing unit 31 includes a remittance destination specifying unit 31a and a remittance unit 31b.

  The storage unit 32 is, for example, a nonvolatile storage device such as a hard disk device or a flash memory. The storage unit 32 includes a board information DB 32a and a customer information DB 32b described later.

  The communication unit 33 is communicably connected to the communication unit 23 via the network 5.

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

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

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

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

  Next, the operation of the remittance system 1 will be described using the drawings.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

  When the selling order corresponding to the buying order is reflected in the board information DB 32a, the buying order is executed (S35), the buying order is deleted from the board information DB 32a (S36), and the virtual currency buying quantity and value are stored in the customer information DB 32b. Is reflected and the number of Fiat currency is subtracted (S37).

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

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

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

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

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

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

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

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

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

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

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

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

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

  When the result of step S53 is appropriate and the number of virtual currencies XEC is sufficient (Yes in S54), the market server 3A stores only the number of virtual currencies XEC included in the remittance instruction in the customer information DB 32b. The number of virtual currencies XEC of the remittance source customer is decreased (S57). Further, the market server 3A transmits a remittance instruction to the market server 3B (S58).

  Upon receiving the remittance instruction (S59), the market server 3B increases the number of virtual currencies XEC of the remittance destination customer stored in the customer information DB 32b by the number of virtual currencies XEC included in the remittance instruction (S60). . Thereafter, the remittance destination customer can buy the second Fiat currency PHP by selling the virtual currency XEC according to the same procedure as shown in FIG. In the above embodiment, the international remittance between Japan and the Philippines has been described. However, the present invention is also applicable to domestic remittances and international remittances other than the above two countries. Needless to say.

FIG. 7 is a flowchart showing a remittance destination input procedure. FIG. 8 is a schematic diagram showing the operation of the remittance destination specifying unit 31a.
The remittance instruction 6 input via the customer terminal 2 includes remittance destination specifying information 6a related to the remittance destination customer (S70). The remittance destination specifying information 6a input to the customer terminal 2 is preferably the name, telephone number, fax number, etc. of the remittance destination customer among the customer specifying information I1 stored in the customer information DB 32b. Note that the remittance destination specifying information 6a input to the customer terminal 2 is stored in advance in the customer terminal 2 by the remittance customer even if the remittance customer is directly input character by character via the input unit 21. It is also possible to call the telephone number etc.

  The remittance destination specifying unit 31a calls the account information I2 of the remittance customer from the customer information DB 32b based on the remittance destination specifying information 6a input to the customer terminal 2 (S71). Specifically, the remittance specifying unit 31a receives the customer specifying information I1 that matches the remittance destination specifying information 6a input to the customer terminal 2, and the customer account information I2 specified from the customer specifying information I1. Called from the information DB 32b.

  When the remittance destination specifying information 6a input to the customer terminal 2 does not match any of the customer specifying information I1 stored in the customer information DB 32b (No in S71), the market server 3 transmits a remittance error screen. (S72), a remittance error screen is displayed on the display unit 22 (S73).

  If the remittance destination identification information 6a input to the customer terminal 2 matches any of the customer identification information I1 stored in the customer information DB 32b (Yes in S71), the remittance unit 31b identifies from the customer identification information I1. The number of remittance of virtual currency included in the remittance instruction is transferred to the account of the remittance destination customer, and the number of virtual currency possessed is increased by the amount of remittance in the balance information I3 of the remittance destination customer (S74).

  In this way, the remittance system 1 using the virtual currency according to the present invention allows the remittance customer to input account information that is difficult to remember such as the account number of the remittance customer and the name of the holder. Since the account information of the remittance customer is called based on the remittance destination specific information of the remittance customer input by, the remittance destination can be input easily and remittance can be performed smoothly.

  In the above-described embodiment, the international remittance between Japan and the Philippines has been described. However, the present invention is also applicable to domestic remittance and international remittances other than the above two countries. Needless to say.

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

DESCRIPTION OF SYMBOLS 1 ... Remittance system 2 ... Customer terminal 21 ... Input part 22 ... Display part 23 ... Communication part 3, 3A, 3B (customer terminal) Market server 31 ... ( Processing unit 31a ... remittance destination specifying unit 31b ... remittance unit 32 ... storage unit 33 (market server) communication unit 4 (market server) management server 41・ ・ Processing unit (of management server) 42 ... Storage unit of (management server) 43 ... Communication unit of (management server) 5 ... Network

Claims (2)

A plurality of customer terminals; a market server that accepts a remittance instruction or buy / sell order of virtual currency input to the customer terminal; and a management server that manages the market of the virtual currency, the customer terminal, the market server, and In the remittance system using the virtual currency configured to be communicable, the management server,
The market server is:
A customer information DB storing balance information, account information and customer identification information for each customer;
A remittance destination specifying means for receiving the remittance instruction input to the customer terminal and calling account information corresponding to the remittance destination specifying information from the remittance destination specifying information regarding the remittance destination customer included in the remittance instruction;
Remittance means for reflecting the remittance amount included in the remittance instruction in the balance information of the remittance customer;
A remittance system using virtual currency, characterized by comprising:   2. The remittance system using virtual currency according to claim 1, wherein the remittance destination specifying information is a telephone number of a customer of the remittance destination.