KR102157938B1 - System and method of community-type crowd-funding based on a blockchain - Google Patents

Abstract

The present invention relates to a crowdfunding method, the step of receiving a business plan from a fund user who wants to receive investment, and when a business to be invested by the investor is selected among the businesses described in each of a plurality of business plans, the first Receiving a cryptocurrency, receiving a second cryptocurrency corresponding to the target amount from the fund consumer for escrow purposes while the investment amount for the selected business reaches a target amount, corresponding to the target amount Paying an escrow coin issued by a crowdfunding system and a first cryptocurrency corresponding to the target amount to the fund demander, receiving a certain amount of the stake of the business operated by the funding demander and an evaluation fee, and from the investor And returning the received first cryptocurrency to the investor, and providing the investor with an evaluation fee received from the fund demander, and inducing the fund demander to make a lot of effort to achieve the business purpose, It can reduce the burden of funding consumers to purchase escrow coins.

Description

Blockchain-based community-type crowdfunding method and system {System and method of community-type crowd-funding based on a blockchain}

The present invention relates to a community-type crowdfunding method, and more particularly, by reducing the escrow coin that a fund consumer must purchase through a third cryptocurrency held by a community user or through an action such as a good-up, the funding consumer is escrowed. It relates to a crowdfunding method and system that can reduce the burden of purchasing coins.

Securities-type crowdfunding is an investment technique in which a person who wants to receive funds, such as a founder, receives funds from an unspecified number of people through an Internet broker and then provides shares and dividends. Therefore, even individual investors can easily invest in stocks of startups through online.

Start-up companies can efficiently raise funds through securities-type crowdfunding, and investors can invest in startups and aim for profits.

Prior Art 1 relates to a "crowd funding brokerage device" as Korean Unexamined Publication (10-2106-013145). Prior Art 1 relates to crowdfunding in which investors invest a predetermined amount of investment for a proposed project.

Prior Art 2 is a Korean Unexamined Publication (10-2018-0032261), which relates to a "crowd funding investment protection system." Prior art 2 is a technology that prevents the crowdfunding platform operator from embezzlement of funds by allowing the investor's investment to be invested only through the crowdfunding investment protection system operated by the escrow institution.

However, prior art 1 and prior art 2 have a problem of lack of motivation for the entrepreneur to succeed in the business according to the goal after receiving crowdfunding, and investors can penalize the entrepreneur if they do not do business properly. There was a problem with lack of means.

In addition, in the conventional securities-type crowdfunding, since a business entity gives investors the right to receive dividends when an IPO or M&A occurs in the future, there is an inconvenience of having to wait a long time for the investors to receive actual dividends.

Therefore, the first problem to be solved by the present invention is to allow the demander of the funds to purchase the escrow coin, and then pay the investment money to the demander of the fund, and when the business purpose is achieved, the escrow coin can be immediately converted into cash, thereby It is to provide a crowdfunding method that can induce you to put a lot of effort into achieving your goals.

The second problem to be solved by the present invention is to reduce the amount of escrow coins to be purchased by the demander of funds through a third cryptocurrency held by the community user or through acts such as goodup, thereby reducing the burden of the funding user to purchase the escrow coin. It is to provide a crowdfunding system that can reduce.

Further, it is to provide a computer-readable recording medium in which a program for executing the above-described method on a computer is recorded.

The present invention in order to achieve the first object,

Receiving a business plan from a funding consumer who wants to receive investment, receiving a first cryptocurrency from the investor when an investor wants to invest from among the businesses described in each of the plurality of business plans is selected, the selected business Receiving a second cryptocurrency corresponding to the target amount from the funding user for escrow purposes while the investment amount for is reaching the target amount, the escrow coin issued by the crowdfunding system corresponding to the target amount and the Paying a first cryptocurrency corresponding to a target amount to the fund consumer; Receiving a certain amount and evaluation fee of a business entity operated by the fund consumer; And returning the first cryptocurrency received from the investor to the investor, and providing an evaluation fee received from the funding user to the investor.

According to an embodiment of the present invention, it is possible to reduce the second cryptocurrency for escrow purposes received from the funding user by using the third cryptocurrency obtained from the crowdfunding system by the community user.

In addition, when the fund demander achieves the crowdfunding goal by using the received first cryptocurrency, the fund demander may convert the escrow coin to the first cryptocurrency or the second cryptocurrency in the crowdfunding system. I can.

According to another embodiment of the present invention, when the funding consumer fails to achieve the crowdfunding goal by using the received first cryptocurrency, the funding consumer may send the escrow coin to the crowdfunding system after a predetermined period. It can be exchanged for the first cryptocurrency or the second cryptocurrency.

In order to achieve the second task, the present invention is a business plan receiving unit that receives a business plan from a fund consumer who wants to receive investment, and when a business to be invested by an investor is selected among the businesses described in each of a plurality of business plans, the Receives a first cryptocurrency from an investor, receives a second cryptocurrency corresponding to the target amount from the fund consumer for escrow purposes while the investment amount for the selected business reaches the target amount, and the fund consumer An investment management unit receiving a certain amount of the stake of the operating business and an evaluation fee, an escrow coin issued by the crowdfunding system corresponding to the target amount and a first cryptocurrency corresponding to the target amount to the fund consumer, and the investor An investment fund payment unit that returns the first cryptocurrency received from the investor to the investor and provides the investor with the evaluation fee received from the funding user, and the funding user achieves the crowdfunding goal by using the paid first cryptocurrency. Whether or not the investor participates and determines whether or not, and when the fund demander achieves the crowdfunding goal by using the paid first cryptocurrency, the fund demander sends the escrow coin to the crowdfunding system. 1 Cryptocurrency or the second cryptocurrency can be exchanged, and if the funding consumer does not achieve the crowdfunding goal by using the paid first cryptocurrency, the funding consumer transfers the escrow coin to the crowdfunding system. It provides a crowdfunding system comprising a conversion unit capable of converting the first cryptocurrency to the second cryptocurrency after a predetermined period of time.

In order to solve the above other technical problem, the present invention provides a computer-readable recording medium in which a program for executing the crowdfunding method described above is recorded on a computer.

According to the present invention, by reducing the amount of escrow coins that a fund user must purchase through a third cryptocurrency held by a community user or through acts such as good-up, it is possible to reduce the burden on the fund user to purchase the escrow coin.

In addition, according to the present invention, after the fund consumer purchases the escrow coin, the investment money is paid to the fund consumer, and when the business purpose is achieved, the escrow coin can be immediately converted into cash, so that the fund consumer makes a lot of effort to achieve the business purpose. Can be induced to tilt.

1 is a block diagram of a crowdfunding system according to an exemplary embodiment of the present invention.
2 is a flowchart of a crowdfunding method according to an exemplary embodiment of the present invention.
3 illustrates an example of a standard for providing a third cryptocurrency as a reward for community activities in a crowdfunding system according to a preferred embodiment of the present invention.
FIG. 4 conceptually shows a method of reducing the escrow amount that a demander of funds must provide by using a third cryptocurrency.
5 is a summary of the relationship between cryptocurrencies used in the crowdfunding system according to a preferred embodiment of the present invention.

The present invention is intended to illustrate and describe specific embodiments in the drawings, as various changes may be made and various embodiments may be provided. However, this is not intended to limit the present invention to a specific embodiment, it is to be understood to include all changes, equivalents, and substitutes included in the spirit and scope of the present invention.

Terms including ordinal numbers, such as second and first, may be used to describe various elements, but the elements are not limited by the terms. These terms are used only for the purpose of distinguishing one component from another component. For example, without departing from the scope of the present invention, a second component may be referred to as a first component, and similarly, a first component may be referred to as a second component. The term and/or includes a combination of a plurality of related listed items or any of a plurality of related listed items.

1 is a block diagram of a crowdfunding system according to an exemplary embodiment of the present invention.

Referring to FIG. 1, the crowdfunding system according to the present embodiment includes a business plan receiving unit 131, an investment management unit 132, an investment payment unit 133, a verification unit 134, and a currency exchange unit 135. .

The business plan receiving unit 131 receives a business plan from a fund user who wants to receive investment. The business plan may include a business idea and a schedule plan of a fund recipient.

The investment money management unit 132 receives a first cryptocurrency from the investor, and receives the selected cryptocurrency from among the businesses described in each of the plurality of business plans received through the business plan receiving unit 131. When the investment amount for the business reaches the target amount, a second cryptocurrency corresponding to the target amount is received from the fund consumer for escrow purposes, and a certain amount of the stake in the business operated by the fund consumer and an evaluation fee are received from the fund. It is received from the consumer.

If the funding user provides a certain amount of the equity stake in the business entity operated by the funding user and an evaluation fee to the crowdfunding system operator, the crowdfunding system operator may provide the evaluation fee to the investor. The evaluation fee is a fee for reviewing and evaluating the business plan provided by the funding consumer, and is an evaluation fee for investing in and reviewing the business plan before investing.

For example, when the demander of the fund receives the target investment amount, 10% of the equity stake and evaluation fee of the business entity operated by him/her are provided to the crowdfunding system according to the present embodiment. The funding system operator owns 10% of the stake in the business and provides the evaluation fee to the investor.

The first cryptocurrency is a cryptocurrency used when investing or receiving an investment in the crowdfunding system according to the present embodiment, and is a currency that can be purchased within the crowdfunding system according to the present embodiment or purchased at a cryptocurrency exchange.

Meanwhile, in order to receive investment from various investors, it is desirable to limit investors to invest in the first cryptocurrency to a certain percentage of the target investment amount. In addition, it is preferable that the investment money management unit 132 returns the first cryptocurrency to the investor to deposit (for example, 7 days) after a certain time after the investment amount reaches the target amount.

The investment fund management unit 132 receives a third cryptocurrency from a community user in the crowdfunding system according to an exemplary embodiment of the present invention.

The fund demander, the community user, or another investor including the existing investor can obtain a third cryptocurrency as a reward through community activities in the crowdfunding system, and reduce the second cryptocurrency for escrow purposes that the funding demander must provide. Can give. This can relieve the burden of the second cryptocurrency provided by the funding user for escrow purposes.

The investment payment payment unit 133 pays the escrow coin issued by the crowdfunding system corresponding to the target amount and a first cryptocurrency corresponding to the target amount to the funding consumer, and receives the first cryptocurrency received from the investor. It is returned to the investor, and the evaluation fee received from the funding user is provided to the investor.

The second cryptocurrency is a deposit concept currency that the fund user must purchase in order to receive the investment when the target investment amount is completed when the fund consumer wants to do business.

The escrow coin can be purchased only within the crowdfunding system according to the present embodiment, and the funding user may convert the money into the first cryptocurrency after an investor verification vote to determine whether or not the crowdfunding goal is achieved.

The verification unit 134 receives a vote from the investor to determine whether the funding user achieves the crowdfunding goal by using the received first cryptocurrency.

For example, it can be verified that the crowdfunding goal has been achieved when more than half of investors participate and more than half of them acknowledge that the goal has been achieved.

It is preferable that the investors vote through the verification unit 134 to receive a separate verification fee.

The exchange unit 135 uses the paid first cryptocurrency to achieve the crowdfunding goal, and the funding user transfers the escrow coin to the first cryptocurrency or the second cryptocurrency in the crowdfunding system. Make it possible to exchange money for currency.

On the other hand, the exchange unit 135 uses the received first cryptocurrency to use the received first cryptocurrency to achieve the crowdfunding goal, and the funding user sends the escrow coin to the crowdfunding system after a predetermined period. 1 Make it possible to exchange money with cryptocurrency or the second cryptocurrency. For a predetermined period of time, there is a disadvantage in that the funding consumer cannot convert the escrow coin to the first cryptocurrency or the second cryptocurrency that can be converted into cash.

2 is a flowchart of a crowdfunding method according to an exemplary embodiment of the present invention.

Referring to FIG. 2, the crowdfunding method according to the present embodiment includes steps that are processed in a time series in the crowdfunding system shown in FIG. 1. Therefore, even if omitted below, the contents described above with respect to the crowdfunding system shown in FIG. 1 are also applied to the crowdfunding method according to the present embodiment.

In step 210, the crowdfunding system receives a business plan from the fund demander 110 who wants to receive investment.

In step 220, the crowdfunding system selects a business to invest and invests the first cryptocurrency after the investor 120 reviews a number of business plans posted on the crowdfunding system. Receive.

In step 230, the crowdfunding system receives a third cryptocurrency from the community user 140.

The fund demander, the community user, or other investors including existing investors can obtain a third cryptocurrency through community activities in the crowdfunding system, and reduce the second cryptocurrency for escrow purposes that the funding user must provide. have. This can relieve the burden of the second cryptocurrency provided by the funding user for escrow purposes. Anyone can receive the third cryptocurrency when receiving compensation through community activities in the crowdfunding system according to the present embodiment.

3 shows an example of a standard for providing a third cryptocurrency as a reward for community activities in a crowdfunding system according to a preferred embodiment of the present invention.

Among community activities, GoodUP is a method in which community users express their intentions when the user determines that the business plan is good.

Greater reward weights can be given to community activities that you want to activate within the crowdfunding system.

When a third cryptocurrency is rewarded through various community activities in the crowdfunding system according to a preferred embodiment of the present invention, an example of utilizing the third cryptocurrency is as follows.

i) It can be exchanged for the first cryptocurrency and converted into cash within the crowdfunding system or at other cryptocurrency exchanges.

ii) If you want to do business yourself, you can reduce the second cryptocurrency you have to provide.

iii) In the business that a third party intends to do, the second cryptocurrency that the third party must provide can be reduced.

iv) The third cryptocurrency is a currency that is rewarded through various community activities in the crowdfunding system, and the reward weight for the community activity may increase in proportion to the user who has a large number of third cryptocurrencies. In addition, it is desirable to pay interest on holdings for the third cryptocurrency held.

On the other hand, the third cryptocurrency can also be purchased with cash within the crowdfunding system.

Referring back to FIG. 2, in step 240, the crowdfunding system receives a second cryptocurrency corresponding to the target amount from the funding user for escrow purposes.

In step 250, the crowdfunding system pays an escrow coin corresponding to the target amount issued by the crowdfunding system and a first cryptocurrency corresponding to the target amount to the funding user.

In step 260, the crowdfunding system receives a certain amount of shares of the business operated by the fund consumer and an evaluation fee.

In step 270, the crowdfunding system returns the first cryptocurrency received from the investor to the investor, and provides an evaluation fee received from the funding user to the investor.

In step 280, the crowdfunding system verifies and verifies by the investors invested in step 120 in order to determine whether the funding user has achieved the crowdfunding goal as a result of operating the business using the received first cryptocurrency. . At this time, it is desirable that the investors participating in the verification vote receive a separate verification fee.

For example, it can be verified that the crowdfunding goal has been achieved when more than half of investors participate and more than half of them acknowledge that the goal has been achieved.

In step 290, if the crowdfunding system determines that the funding demander achieves the crowdfunding goal as a result of operating the business using the received first cryptocurrency as a result of the verification vote, the funding demander sends the escrow coin to the crowdfunding system. Allows the funding system to exchange currency into the first cryptocurrency or the second cryptocurrency.

In step 295, if the crowdfunding system determines that the funding user cannot achieve the crowdfunding goal as a result of operating the business using the received first cryptocurrency as a result of the verification voting, the funding demander sends the escrow coin to the In the crowdfunding system, the first cryptocurrency or the second cryptocurrency can be exchanged after a predetermined period of time.

4 is a conceptual diagram illustrating a method of reducing the escrow amount that a fund user must provide by using a third cryptocurrency.

It is assumed that a funding user using an ID called aceman7 uploads a business plan called "3D VR game software based on the Three Kingdoms" in a crowdfunding system and sets a target investment of 20 million won.

When receiving an investment from an investor through the first cryptocurrency, a certain percentage of the investment target amount can be invested as a limit per person. For example, if the target investment is 20 million won and the predetermined ratio is 10%, the limit of the possible investment per person is 2 million won.

On the other hand, the required escrow amount is 20 million won, and if a third cryptocurrency equivalent to 10 million won and a third cryptocurrency equivalent to 8 million won from the funding user is received as a good-up as shown in Fig. It will be possible to reduce the second cryptocurrency to be provided to 2 million won.

Goodup can be used within a certain percentage limit of all third-party cryptocurrencies held by community users. For example, a daily goodup limit can be set with a limit of 10% of the total 3rd cryptocurrency held by community users, and the 2nd money consumer must pay by using a 3rd cryptocurrency for escrow purposes in different business plans every day. It can reduce cryptocurrency.

The 3rd cryptocurrency worth 8 million won used by the funding consumer cannot be withdrawn when the target investment is achieved and the business is started, and it cannot be exchanged with the first cryptocurrency or the second cryptocurrency until it passes the investor verification.

However, even in this case, the total amount of third cryptocurrency held by the demander of the fund is maintained as it is, and the amount of third cryptocurrency held by the demander of the fund is maintained even during the business. In addition, it is possible to pay interest of 2% per year for the third cryptocurrency that cannot be withdrawn, and 1% per year for the third cryptocurrency that can be withdrawn. In other words, it is possible to pay higher interest to the third cryptocurrency that has become impossible to withdraw compared to the case where withdrawal is possible.

If it is determined that the crowdfunding goal is not achieved during the investor verification process, the 2% interest payment will be stopped, and the third cryptocurrency equivalent to 8 million won used by the fund holder will be deducted after a predetermined period (for example, 2 years). Exchange is possible with 1 cryptocurrency or 2nd cryptocurrency.

5 is a summary of the relationship between cryptocurrencies used in a crowdfunding system according to a preferred embodiment of the present invention.

The first cryptocurrency is within a system that can be used as a contract money, a down payment, and a wage when investing in a business plan in the crowdfunding system according to a preferred embodiment of the present invention, when receiving it as an investment, manpower in the support POOL, when contracting with a company. It is a basic coin.

The support POOL includes related manufacturers, distributors, designers, developers, tax accountants, lawyers, patent attorneys, etc. necessary for conducting business.

The method of purchasing the first cryptocurrency is a cryptocurrency that can be purchased within the crowdfunding system, and can be purchased at a cryptocurrency exchange where the first cryptocurrency is listed, and there is no limit to cash.

The second cryptocurrency is a coin that can be traded on a cryptocurrency exchange. Therefore, it could be Bitcoin, Ethereum, etc.

The third cryptocurrency is an indicator of the reliability in the crowdfunding system and a coin that can be exchanged 1:1 with the first cryptocurrency. It can be received as a reward for community activities within the crowdfunding system and can be purchased within the crowdfunding system, but it is desirable not to be listed on cryptocurrency exchanges.

The third cryptocurrency plays a role of removing or reducing the amount of escrow that must be borne as a deposit when posting a business plan and doing business, and can also reduce or eliminate the amount of escrow that is hung on another person's business plan. Just by holding the third cryptocurrency, 1% of interest per year can be paid daily, and the third cryptocurrency held can be exchanged for the first cryptocurrency and converted into cash. It is desirable that the more third cryptocurrency, the higher the reward rate for community activities is proportionately.

The size of the bandwidth is determined in proportion to the amount of the third cryptocurrency. Bandwidth refers to the amount of activity within the community, such as the number of times that you can invest, the number of posts you can post, the number of times you can do good-ups, and the number or frequency of other community activities. When the amount of third cryptocurrency is small, the number of times that can be invested is reduced, thereby preventing abusing behavior.

The third cryptocurrency can be purchased only within the crowdfunding system, and the exchange value with the first cryptocurrency is 1:1, and when the third cryptocurrency is exchanged for the first cryptocurrency, it is individual 1/13 per week over 13 weeks. It is desirable that the deposit is exchanged for a wallet. At the start of the exchange, the payment of interest to the third cryptocurrency is stopped, and the bandwidth of the third cryptocurrency decreases as the third cryptocurrency decreases.

Escrow Coin is a cryptocurrency in the concept of a deposit that a funding user must purchase to receive an investment when it reaches the investment target amount when trying to do business. The demander of the fund can purchase only within the crowdfunding system, and can exchange money into the first cryptocurrency only after passing the investor verification vote. If the investor verification vote is not passed, it can be exchanged for the first cryptocurrency after a predetermined period has elapsed.

When escrow coins are purchased with the first cryptocurrency or the second cryptocurrency within the crowdfunding system, the price of the first cryptocurrency or the second cryptocurrency at the time of purchase of the escrow coin is recorded in the escrow coin.

In the crowdfunding system according to the embodiment of the present invention, one user creates multiple IDs, or organizes them as a team and uses a third cryptocurrency to systematically eliminate escrow money, and after achieving the target investment, the first provided In order to prevent the abusing behavior that disappears after the cryptocurrency is converted into cash and the third cryptocurrency is exchanged for the first cryptocurrency, the escrow amount increases when the community user presses "Report", and the community user who presses report The more third cryptocurrencies held by the company, the more escrow amount can be increased.

The term'~ unit' used in the present embodiment refers to software or hardware components such as field-programmable gate array (FPGA) or ASIC, and'~ unit' performs certain roles. However,'~ part' is not limited to software or hardware. The'~ unit' may be configured to be in an addressable storage medium, or may be configured to reproduce one or more processors. Thus, as an example,'~ unit' refers to components such as software components, object-oriented software components, class components and task components, processes, functions, properties, and procedures. , Subroutines, segments of program code, drivers, firmware, microcode, circuits, data, databases, data structures, tables, arrays, and variables. The components and functions provided in the'~ units' may be combined into a smaller number of elements and'~ units', or may be further divided into additional elements and'~ units'. In addition, components and'~ units' may be implemented to play one or more CPUs in a device or a security multimedia card.

All of the above-described functions may be performed by a processor such as a microprocessor, a controller, a microcontroller, or an application specific integrated circuit (ASIC) according to software or program code coded to perform the function. The design, development, and implementation of the code will be apparent to those skilled in the art based on the description of the present invention.

Although the present invention has been described with reference to the embodiments above, it is understood that those of ordinary skill in the relevant technical field can variously modify and change the present invention without departing from the spirit and scope of the present invention. You can understand. Therefore, it is not limited to the above-described embodiments, and the present invention will be said to include all embodiments within the scope of the following claims.

Claims (6)

Receiving, by a business plan receiving unit, a business plan from a fund user who wants to receive investment;
Receiving, by an investment management unit, a first cryptocurrency from the investor when an investor wants to invest from among the businesses described in each of the plurality of business plans;
Receiving, by the investment money management unit, a second cryptocurrency corresponding to the target amount from the funding consumer while the investment amount for the selected business reaches the target amount;
Providing, by an investment money payment unit, an escrow coin issued by a crowdfunding system corresponding to the target amount and a first cryptocurrency corresponding to the target amount to the fund consumer;
Receiving, by the investment money management unit, a certain amount of shares of a business operated by the fund consumer and an evaluation fee; And
And returning the first cryptocurrency received from the investor to the investor, and providing the investment fund payment unit to the investor with an evaluation fee received from the fund consumer.
The method of claim 1,
The crowdfunding system is a crowdfunding method, characterized in that the community user can reduce the second cryptocurrency for escrow purposes received from the funding user by using the third cryptocurrency obtained from the crowdfunding system.
The method of claim 1,
When the fund demander achieves the crowdfunding goal using the received first cryptocurrency, the fund demander converts the escrow coin to the first cryptocurrency or the second cryptocurrency in the crowdfunding system through a currency exchange unit. A crowdfunding method characterized in that it can be done.
The method of claim 1,
When the fund demander fails to achieve the crowdfunding goal by using the received first cryptocurrency, the fund demander sends the escrow coin to the first cryptocurrency or the first cryptocurrency after a predetermined period in the crowdfunding system through a currency exchange unit. A crowdfunding method characterized in that it is possible to exchange currency with a second cryptocurrency.
A business plan receiving unit for receiving a business plan from a funding user who wants to receive investment;
When a business that an investor wants to invest is selected among the businesses described in each of the plurality of business plans, the first cryptocurrency is received from the investor,
When the investment amount for the selected business reaches the target amount, a second cryptocurrency corresponding to the target amount is received from the fund consumer for escrow purposes,
An investment fund management unit for receiving a certain amount and evaluation fee of a business entity operated by the fund consumer;
The escrow coin issued by the crowdfunding system corresponding to the target amount and a first cryptocurrency corresponding to the target amount are paid to the fund consumer,
An investment money payment unit for returning the first cryptocurrency received from the investor to the investor and providing an evaluation fee received from the fund user to the investor;
A verification unit determining whether the funding user achieves a crowdfunding goal by using the received first cryptocurrency by participation of the investor; And
When the fund demander achieves the crowdfunding goal using the received first cryptocurrency, the fund demander may convert the escrow coin to the first cryptocurrency or the second cryptocurrency in the crowdfunding system, ,
If the fund demander fails to achieve the crowdfunding goal by using the received first cryptocurrency, the fund demander sends the escrow coin to the first cryptocurrency or the second cryptocurrency after a predetermined period in the crowdfunding system. A crowdfunding system comprising a currency exchange unit capable of converting money into currency.
A computer-readable recording medium storing a program for executing the method of any one of claims 1 to 4 on a computer.

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