JP7216858B1 - Information processing device and information processing method - Google Patents

Abstract

Kind Code: A1 It is possible to promote the use of crypto assets for settlement while reducing the user's trouble of converting crypto assets into currency. A crypto-asset management server (1) includes a receiving unit (132) that receives a settlement request indicating a settlement amount that is the amount of crypto-asset, and an expiration date set for each of one or a plurality of asset units corresponding to the settlement amount. a determination unit 133 that determines whether or not there is an expiration date, subtracts from the first crypto-asset account an amount without expiration corresponding to one or a plurality of asset units for which an expiration date is determined to be not set in the settlement amount; The transfer instruction output unit 135 that outputs the first instruction to add the amount to the second crypto-asset account, and the one or more asset units determined to have an expiration date set in the settlement amount. a remittance instruction output unit 137 that outputs a second instruction for subtracting the time-limited amount from the first cryptographic asset account and adding the currency amount corresponding to the time-limited amount to the currency account associated with the destination user; have [Selection drawing] Fig. 2

Description

The present invention relates to an information processing device and an information processing method for processing information about crypto assets.

Patent Literature 1 describes a system for transferring an amount corresponding to the value of a crypto asset (also referred to as virtual currency) from an account for depositing crypto assets (also referred to as virtual currency) to an account for depositing cash.

Japanese Unexamined Patent Application Publication No. 2018-77640

For the purpose of activating economic circulation within a region, cryptographic assets (for example, regional digital currency) that can be used for settlement in a specific region are being issued. Crypto assets may have an expiration date that can be used for settlement. Although the user can obtain the benefit of being released from the expiration date by converting the crypto assets with the expiration date set into a currency such as Japanese Yen, it takes time and effort to convert the crypto assets into the currency. On the other hand, if crypto-assets are automatically converted into currency, the percentage of crypto-assets used for settlements in the region will decrease, and there is a possibility that the purpose of revitalizing economic circulation within the region will not be achieved.

Therefore, the present invention has been made in view of these points, and it is an object of the present invention to promote the use of crypto assets for settlement while reducing the effort of users to convert crypto assets into currency. .

The information processing device according to the first aspect of the present invention is a payment request for making payment to the destination user, which is the amount of crypto assets managed in a first crypto asset account associated with the source user. a receiving unit for receiving a payment request indicating a payment amount; and, on the condition that the receiving unit has received the payment request, the crypto asset is a unit used for payment, and the payment amount is a unit of asset. A determination unit that determines whether or not an expiration date indicating a time limit that can be used for settlement is set for each of the corresponding one or more asset units, and a determination that the expiration date is not set for the settlement amount. subtracting an unlimited amount, which is the amount of the crypto-asset corresponding to the one or more asset units, from the first crypto-asset account, and subtracting the unlimited amount from the second crypto-asset associated with the destination user; a first instruction output unit for outputting a first instruction to be added to the account; and an amount of the crypto asset corresponding to one or more asset units determined to have the expiration date set in the settlement amount. from the first cryptographic asset account, and add a currency amount corresponding to the time-limited amount, which is an amount of a predetermined currency, to the currency account associated with the destination user and a second instruction output unit that outputs a second instruction.

When it is determined that the expiration date is set for at least a part of one or a plurality of asset units corresponding to the settlement amount, the second instruction output unit outputs the crypto asset from the destination user to the The second instruction may be output without receiving a request to convert to currency.

The second instruction output unit outputs one or more asset units for which the expiration date is determined to be set in the settlement amount, and the time until the expiration date is within a reference time. The second instruction may be output with an amount corresponding to a plurality of asset units as the amount with a time limit.

The information processing apparatus may further include a reception unit that receives designation of the reference time from the destination user.

When the amount corresponding to the one or more asset units determined to have the expiration date exceeds the reference amount, the second instruction output unit sets the reference amount as the amount with the expiration date, and 2 instructions may be output.

When the expiration date is set for one or a plurality of asset units corresponding to at least part of the settlement amount, the second instruction output unit is configured to: subtracting at least a portion of the settlement amount from the first crypto-asset account when the total amount of the held amount of the crypto-asset that has already been managed and the amount of the held crypto-asset is greater than or equal to a reference amount, and at least a portion of the held amount; from the second cryptographic asset account, and add the amount of the currency corresponding to the sum of at least part of the settlement amount and at least part of the holding amount to the currency account 2 instructions may be output.

When the total amount of the settlement amount and the holding amount of the crypto-asset already managed in the second crypto-asset account is equal to or greater than a reference amount, the second instruction output unit outputs the holding amount subtracting at least part of the settlement amount from the first crypto-asset account, and at least part of the held amount from the second cryptographic asset account, and add the amount of the currency corresponding to the sum of at least part of the settlement amount and at least part of the holding amount to the currency account 2 instructions may be output.

The second instruction output unit may output the second instruction such that an amount obtained by adding at least a portion of the settlement amount and at least a portion of the holding amount is equal to the reference amount. .

The second instruction output unit outputs one or more instructions corresponding to the settlement amount such that an amount obtained by adding at least a portion of the settlement amount and at least a portion of the holding amount is equal to the reference amount. outputting the second instruction using some asset units selected from the asset unit and one or a plurality of asset units corresponding to the holding amount in descending order of time until the expiration date; good too.

The second instruction output unit may output the second instruction using one or more asset units that have been used for settlement in the past among the one or more asset units corresponding to the holding amount. .

The second instruction output unit may output the second instruction on condition that the destination user is a shop.

The settlement using the crypto assets is managed by a blockchain, and the first instruction output unit is configured to notify the owner of one or more asset units corresponding to the unlimited amount of money from the source user in the blockchain. The first instruction for changing to the destination user may be output.

The settlement using the crypto asset may be executable at a store within a predetermined area, and the settlement using the currency may be executable at a store outside the area.

An information processing method according to a second aspect of the present invention is a payment request, executed by a processor, for making a payment to a destination user, which is a cryptographic asset managed in a first cryptocurrency account associated with a source user. a step of receiving a payment request indicating a payment amount that is the amount of an asset; a step of determining whether or not an expiration date indicating a time limit that can be used for settlement is set for each of the one or more asset units corresponding to the settlement amount; subtracting from the first crypto-asset account the amount without expiration, which is the amount of the crypto-asset corresponding to the one or more asset units determined not to have expired, and the amount without expiration associated with the destination user a step of outputting a first instruction to be added to a second crypto-asset account; from the first cryptographic asset account, and add a currency amount corresponding to the time-limited amount, which is an amount of a predetermined currency, to the currency account associated with the destination user and outputting a second instruction.

The information processing device according to the third aspect of the present invention is a payment request for making payment to the destination user, which is the amount of crypto assets managed in the first crypto asset account associated with the source user. a receiving unit for receiving a settlement request indicating a settlement amount, and on condition that the receiving unit has received the settlement request, the settlement amount is subtracted from the first crypto-asset account, and the settlement amount is transferred to the destination. a first instruction output unit for outputting a first instruction for adding to a second crypto-asset account associated with a user; a determination unit that determines whether or not an expiration date that indicates a time limit that can be used for settlement is set for each of one or more asset units corresponding to the settlement amount, which is a unit that is used; and subtracting, from the second crypto-asset account, an amount with a time limit, which is the amount of the crypto-asset corresponding to one or more asset units determined to have the expiration date set, from the settlement amount; a second instruction output unit for outputting a second instruction for adding a currency amount corresponding to the amount with a time limit, which is an amount in a predetermined currency, to the currency account associated with the destination user.

An information processing method according to a fourth aspect of the present invention is a payment request, executed by a processor, for making a payment to a destination user, which is a cryptographic asset managed in a first cryptocurrency account associated with a source user. a step of receiving a payment request indicating a payment amount that is the amount of assets; and, on condition that the payment request is received in the receiving step, subtracting the payment amount from the first cryptocurrency account and the payment outputting a first instruction to add an amount to a second crypto-asset account associated with the destination user; and settlement of the crypto-asset after the settlement amount is added to the second crypto-asset account a step of determining whether or not an expiration date indicating a time limit available for settlement is set for each of the one or a plurality of asset units corresponding to the settlement amount, which is a unit used for settlement; subtracting, from the second crypto-asset account, an amount with a time limit, which is the amount of the crypto-asset corresponding to one or more asset units determined to have the expiration date set, from the settlement amount; and outputting a second instruction to add a currency amount corresponding to the expiring amount, being an amount in a predetermined currency, to a currency account associated with the destination user.

ADVANTAGE OF THE INVENTION According to this invention, it is effective in the ability to promote the utilization of cryptocurrency for payment, while reducing the effort of a user to convert cryptocurrency into currency.

1 is a schematic diagram of an information processing system according to a first embodiment; FIG. 1 is a block diagram of an information processing system according to a first embodiment; FIG. FIG. 4 is a schematic diagram for explaining how the information processing system manages crypto assets and currency; FIG. 3 is a schematic diagram of exemplary crypto-asset data managed by a crypto-asset management server; FIG. 3 is a schematic diagram of a screen displayed by a destination user terminal; It is a schematic diagram for demonstrating the method by which a determination part specifies the amount of money with a time limit based on reference time. 4 is a sequence diagram of an exemplary information processing method executed by the information processing system S according to the first embodiment; FIG. FIG. 10 is a schematic diagram for explaining a method in which the determination unit selects one or more coins to be converted into currency in a modified example; FIG. 11 is a sequence diagram of an exemplary information processing method executed by the information processing system according to the second embodiment;

<First Embodiment>
[Overview of information processing system S]
FIG. 1 is a schematic diagram of an information processing system S according to this embodiment. The information processing system S includes a crypto-asset management server 1 , a settlement server 2 , a bank server 3 , a user terminal 4 and a destination user terminal 5 . The information processing system S may include devices such as other servers and terminals.

The crypto-asset management server 1 (information processing device) is a computer for managing information about crypto-assets. Crypto assets can be used for payment and the like, and are electronic assets different from legal currencies (Japanese yen, US dollar, etc.). A crypto asset can be converted into a predetermined currency at a predetermined conversion ratio. A crypto asset is associated with a user who holds the crypto asset in, for example, a storage device, and is transferred from a user who is a customer to a user who is a store when used for payment.

A crypto-asset is an electronic asset managed by, for example, a blockchain. On the other hand, a predetermined currency (hereinafter simply referred to as currency) to which cryptographic assets are converted is an asset that is not managed by a blockchain. Crypto assets are not limited to blockchains, and may be electronic assets managed by a database or the like. Crypto assets are managed in units of assets, which are predetermined units used for settlement (for example, units in circulation). Hereinafter, the asset unit of crypto assets is called a coin, but other names may be used.

In this embodiment, crypto assets are, for example, regional digital currencies that can be used in a predetermined region. Payments using crypto assets, which are regional digital currencies, can be performed at stores within a predetermined area, and cannot be performed at stores outside the area. Also, settlement using crypto assets, which are regional digital currencies, may be executable only at predetermined stores (for example, registered stores) within a predetermined area. On the other hand, settlement using currency can be performed at stores outside the region. Payments using currency may be possible at stores both within the locality and outside the locality.

Also, when a product is bought and sold between two users (for example, a person-to-person transaction website), the individual user who sells the product may be treated as a store. In this case, based on the address of the user who sells the product, it is determined whether the store is located within the area.

The crypto-asset management server 1 manages the crypto-asset owned by each user in the crypto-asset account associated with the user. For example, the crypto-asset management server 1 changes the holder of the crypto-asset from one user to another user in response to the settlement request received from the settlement server 2, thereby separating the crypto-asset from the crypto-asset account of the user. to the user's cryptocurrency account. The crypto-asset management server 1 can communicate with the payment server 2, the bank server 3, and the destination user terminal 5 via the network.

The settlement server 2 is a computer for making payments using crypto assets. For example, upon receiving the payment information from the source user terminal 4, the payment server 2 transmits a payment request for payment of the payment amount to the crypto-asset management server 1. The settlement server 2 can communicate with the crypto-asset management server 1 and the source user terminal 4 via a network.

The bank server 3 is a computer for managing information on currency. The bank server 3 manages the currency held by each user in the currency account associated with the user. The bank server 3 remits currency from one user's currency account to another user's currency account, for example, in response to receiving a remittance instruction from the crypto-asset management server 1 . The bank server 3 can communicate with the crypto-asset management server 1 via a network.

The source user terminal 4 is a computer used by the source user. The source user is, for example, a customer who pays for a product (goods, service, etc.) to a destination user, who is a store, using crypto assets. Alternatively, the source user may be a store that pays the destination user, which is another store, using crypto assets. The source user terminal 4 is, for example, a smart phone, a tablet terminal, or a personal computer. The source user terminal 4 has an operation unit such as a touch panel or keyboard for receiving operations, and a display unit such as a liquid crystal display for displaying information. The source user terminal 4 can communicate with the settlement server 2 via a network.

The destination user terminal 5 is a computer used by the destination user. The destination user is, for example, a store that receives payment using cryptocurrency from a source user who is a customer or a store. The destination user terminal 5 is, for example, a smart phone, a tablet terminal, or a personal computer. The destination user terminal 5 has an operation unit such as a touch panel or a keyboard for receiving operations, and a display unit such as a liquid crystal display for displaying information. The destination user terminal 5 can communicate with the crypto-asset management server 1 via a network.

The outline of the processing executed by the information processing system S according to this embodiment will be described below. The source user terminal 4 transmits settlement information to the settlement server 2 in response to an operation by the source user (1). The payment information indicates, for example, identification information (ID: identification) for identifying the source user, the ID of the destination user, and the settlement amount, which is the amount to be paid to the destination user using crypto assets. Information.

The settlement server 2 transmits a settlement request for settlement of the settlement amount indicated by the settlement information received from the user terminal 4 to the crypto-asset management server 1 (2). The payment request is, for example, information indicating the ID of the source user, the ID of the destination user, and the payment amount.

The crypto-asset management server 1 determines whether or not each of one or more coins corresponding to the payment amount indicated by the payment request received from the payment server 2 has an expiration date indicating the expiration date that can be used for payment. (3). Of the settlement amount, the amount of crypto assets corresponding to coins with no expiration date is called the amount without expiration, and the amount of crypto assets corresponding to coins with the expiration date is called the amount with expiration.

The crypto-asset management server 1 transfers the unlimited amount of money from the crypto-asset account of the source user to the crypto-asset account of the destination user (4). On the other hand, the crypto-asset management server 1 calculates a currency amount, which is an amount in a predetermined currency, corresponding to the amount with a time limit, according to predetermined conversion conditions. The crypto-asset management server 1 subtracts the time-limited amount from the crypto-asset account of the source user and sends a remittance instruction to the bank server 3 to add the currency amount corresponding to the time-limited amount to the destination user's currency account. Send (5).

In this way, when the source user makes a payment to the destination user using crypto assets, the information processing system S converts the crypto assets with the set expiration date into currency, and converts the crypto assets to the destination user. , and provide the crypto-asset with no expiration date to the destination user as it is. As a result, the information processing system S can promote the use of the crypto assets for payment while reducing the user's effort to convert the crypto assets into currency.

[Configuration of information processing system S]
FIG. 2 is a block diagram of the information processing system S according to this embodiment. In FIG. 2, arrows indicate main data flows, and there may be data flows other than those shown in FIG. In FIG. 2, each block does not show the configuration in units of hardware (apparatus), but the configuration in units of functions. As such, the blocks shown in FIG. 2 may be implemented within a single device, or may be implemented separately within multiple devices. Data exchange between blocks may be performed via any means such as a data bus, network, or portable storage medium.

The crypto-asset management server 1 has a communication unit 11 , a storage unit 12 and a control unit 13 . The crypto-asset management server 1 may be configured by connecting two or more physically separated devices by wire or wirelessly. Also, the crypto-asset management server 1 may be configured by a cloud that is a collection of computer resources.

The communication unit 11 has a communication controller for transmitting and receiving data to and from the payment server 2, the bank server 3, and the destination user terminal 5 via the network. The communication unit 11 notifies the control unit 13 of data received from the payment server 2 or the destination user terminal 5 via the network. The communication unit 11 also transmits data output from the control unit 13 to the bank server 3 or the destination user terminal 5 via the network.

The storage unit 12 is a storage medium including a ROM (Read Only Memory), a RAM (Random Access Memory), a hard disk drive, and the like. The storage unit 12 stores programs executed by the control unit 13 in advance. The storage unit 12 also stores in advance conversion conditions for converting crypto assets into currency. The storage unit 12 may be provided outside the crypto-asset management server 1, in which case data may be exchanged with the control unit 13 via a network.

Control unit 13 includes reception unit 131 , reception unit 132 , determination unit 133 , calculation unit 134 , transfer instruction output unit 135 , crypto asset processing unit 136 , and remittance instruction output unit 137 . The control unit 13 is a processor such as a CPU (Central Processing Unit), for example, and by executing a program stored in the storage unit 12, a reception unit 131, a reception unit 132, a determination unit 133, a calculation unit 134, and a transfer instruction. It functions as an output unit 135 , a crypto asset processing unit 136 and a remittance instruction output unit 137 . Processing performed by the reception unit 131, the reception unit 132, the determination unit 133, the calculation unit 134, the transfer instruction output unit 135, the crypto asset processing unit 136, and the remittance instruction output unit 137 will be described later.

[Description of account]
First, a method for managing crypto assets and currencies by the information processing system S will be described. FIG. 3 is a schematic diagram for explaining how the information processing system S manages crypto assets and currencies.

The crypto-asset management server 1 manages the crypto-asset held by each of a plurality of users in a crypto-asset account. Each of the plurality of users' crypto-asset accounts is associated with the user's ID (eg, the crypto-asset account's ID). The crypto-asset management server 1 manages crypto-assets by depositing and withdrawing crypto-assets to and from crypto-asset accounts, or transferring currency between a plurality of crypto-asset accounts.

The crypto-asset management server 1 manages crypto-assets using, for example, a block chain, with coins as asset units. The crypto-asset management server 1, for example, stores crypto-asset data (blocks) in which a user's ID and transaction details in the user's crypto-asset account are associated with one or more storage devices on the network as a block chain. remember as Each block in the blockchain contains a hash value generated according to a predetermined rule, and by confirming the consistency of hash values between blocks, the correctness of the entire blockchain is guaranteed.

The crypto-asset management server 1 is not limited to a block chain. may be stored as a database on the

FIG. 4 is a schematic diagram of exemplary crypto-asset data managed by the crypto-asset management server 1. As shown in FIG. The crypto asset data includes, for example, an ID (coin ID) for identifying a coin, an expiration date set for the coin, the date and time when the coin was transferred by use for settlement, and the user who transferred the coin (transfer This is information that associates the ID of the original user) with the ID of the user to whom the coins are transferred (transfer destination user). The coin does not have to have an expiration date. In the example of FIG. 4, the term of validity of a coin with no set term of validity is represented as "-".

The expiration date is the time limit during which the coin can be used for settlement. Expired coins cannot be used for settlements using crypto assets. The crypto-asset management server 1 makes the coin unusable for payment by, for example, storing data indicating that the expired coin is invalid in a blockchain or database. In addition, the crypto-asset management server 1 transfers, for example, expired coins from the user's crypto-asset account to a predetermined crypto-asset account (for example, the crypto-asset account of the municipality or company issuing the crypto-asset). The coin may not be used for settlement by storing the data for making the transaction in a blockchain or database. In addition to the expiration date during which the coin can be used for settlement, a redemption deadline, which is a deadline during which the coin can be converted into currency (converted into money), may be set. Also, the term of validity that can be used for settlement and the term of redemption may be the same.

Returning to FIG. 3, the bank server 3 manages currency held by each of a plurality of users in currency accounts. A currency account for each of a plurality of users is associated with that user's ID (eg, the ID of the currency account). As currency management, the bank server 3 deposits and withdraws currency to and from currency accounts, or transfers (remits) currency between a plurality of currency accounts. The bank server 3 stores, for example, data that associates the user's ID with the content of one or more transactions in the user's currency account as a database on the storage unit of the bank server 3 .

[Description of payment process]
A configuration for the information processing system S to execute the process of settlement using crypto assets will be described below. In the destination user terminal 5, the destination user presets conversion conditions for automatically converting the crypto asset into currency.

FIG. 5 is a schematic diagram of a screen displayed by the destination user terminal 5. As shown in FIG. The destination user terminal 5 receives designation of the reference time and the reference amount from the destination user. The reference time is the time (period) until the expiration date, which is the condition for automatically converting crypto assets into currency. For example, crypto assets whose expiration date is within the set reference time are automatically converted into currency.

The reference amount is the amount of crypto-asset that is the condition for automatically converting the crypto-asset into currency. For example, when the amount corresponding to the crypto-assets used for payment is equal to or greater than the reference amount, the crypto-assets are automatically converted into currency. The destination user terminal 5 transmits information indicating at least one of the designated reference time and the reference amount to the crypto-asset management server 1 in accordance with the operation of the operation unit by the destination user.

In the crypto-asset management server 1 , the reception unit 131 receives at least one of the reference time and the reference amount specified by the destination user in the destination user terminal 5 . If at least one of the reference time and the reference amount is not specified in the destination user terminal 5, the accepting unit 131 may not accept at least one of the reference time and the reference amount.

The accepting unit 131 does not have to accept from the destination user a specification of a reference time that exceeds a predetermined threshold (for example, six months). As a result, the crypto-assets management server 1 can automatically convert only crypto-assets with short expiry dates into currency, and can prevent crypto-assets with long expiry dates from being converted into currency.

The source user terminal 4 transmits settlement information to the settlement server 2 in response to an operation by the source user. The payment information indicates, for example, the ID of the source user, the ID of the destination user, and the settlement amount, which is the amount to be paid to the destination user using crypto assets.

The settlement server 2 transmits a settlement request for settlement of the settlement amount indicated by the settlement information received from the user terminal 4 to the crypto-asset management server 1 . The payment request indicates, for example, the payment amount, the ID of the source user, and the ID of the destination user. The payment amount is the amount of crypto assets managed in the first crypto asset account associated with the source user.

In the crypto-asset management server 1 , the receiving unit 132 receives the payment request from the payment server 2 . If the amount corresponding to one or more coins held by the source user is less than the settlement amount indicated by the settlement request, the crypto-asset management server 1 terminates the process without performing subsequent processes. On the condition that the receiving unit 132 has received the payment request, the determining unit 133 sets an expiration date indicating a time limit that can be used for payment for each of one or a plurality of coins corresponding to the payment amount indicated by the payment request. determine whether or not there is

For example, the determination unit 133 acquires cryptocurrency data associated with the ID of the source user indicated by the payment request from the blockchain. The determining unit 133 determines whether an expiration date is set for each of one or more coins owned by the source user in the acquired crypto asset data.

The determination unit 133 selects one or more coins corresponding to the payment amount according to a predetermined condition from among one or more coins owned by the source user. For example, when the amount corresponding to one or a plurality of coins determined to have an expiration date set is greater than or equal to the settlement amount, the determination unit 133 sets the expiration date in ascending order of time until the expiration date. At least a part of the one or more coins determined to be the one or more coins is selected as the one or more coins corresponding to the settlement amount.

On the other hand, for example, when the amount corresponding to one or more coins determined to have an expiration date is less than the settlement amount, the determination unit 133 determines that the expiration date has been set. Alternatively, all of the plurality of coins and at least a portion of the one or the plurality of coins determined to have no expiration date are selected as the one or the plurality of coins corresponding to the settlement amount.

The determination unit 133 identifies the amount of crypto assets corresponding to one or a plurality of coins determined to have no expiration date among the payment amount as an amount without expiration date and has an expiration date set. The amount of crypto assets corresponding to one or a plurality of coins determined as is specified as an amount with a time limit.

Further, the determination unit 133 may switch whether to automatically convert the crypto asset into currency according to the reference amount received by the reception unit 131 . For example, when the amount corresponding to one or more coins determined to have expiration dates set is less than the reference amount accepted by the accepting unit 131, the determining unit 133 Alternatively, regardless of whether or not an expiration date is set for each of a plurality of coins, all settlement amounts are specified as amounts without expiration date. Since the amount without an expiration date is not automatically converted into currency in the process described later, the crypto-asset management server 1 determines that the amount corresponding to one or more coins determined to have an expiration date is specified by the user. Crypto assets can be automatically converted into currency on the condition that they are equal to or greater than the reference amount. The user can obtain a profit, for example, when the handling fee is reduced by collectively converting crypto assets of a predetermined amount or more into currency.

Further, the determining unit 133 may specify the amount of money with a time limit based on the reference time received by the receiving unit 131 . FIG. 6 is a schematic diagram for explaining a method by which the determination unit 133 specifies the amount of money with a time limit based on the reference time.

For example, the determining unit 133 identifies, from among the settlement amount, the amount corresponding to one or a plurality of coins whose expiration time is within the reference time, as the amount with time limit. The example of FIG. 6 shows a situation where the reference time is 6 months. In the example of FIG. 6, the determination unit 133 identifies 25 coins with a 6-month expiration date as the amount with a time limit, and identifies the remaining 75 coins as the amount without a time limit. Since the amount without an expiration date is not automatically converted into currency in the process described later, the crypto-asset management server 1 can automatically convert only crypto-assets with short expiry dates into currency according to the designation by the user. can.

Further, when the amount corresponding to one or more coins determined to have expiration dates exceeds the reference amount accepted by the reception unit 131, the determination unit 133 specifies the reference amount as the amount with a deadline. You may As a result, the crypto-asset management server 1 can automatically convert only the crypto-asset corresponding to the reference amount specified by the user into currency and leave the rest as crypto-asset.

The calculation unit 134 calculates a currency amount, which is an amount managed as a predetermined currency, corresponding to the time limit specified by the determination unit 133 according to a predetermined conversion condition. In this embodiment, the currency of the currency amount is the Japanese yen, which is the legal currency of Japan, but other currencies may be used. The conversion condition indicates, for example, a conversion ratio (rate) for converting crypto assets into currency, and is stored in the storage unit 12 in advance. The calculation unit 134 calculates the currency amount from the time-limited amount using, for example, the conversion ratio indicated by the conversion condition stored in the storage unit 12 .

The transfer instruction output unit 135 (first instruction output unit) subtracts the amount without time limit from the settlement amount from the first cryptocurrency account associated with the source user, and subtracts the amount without time limit from the amount associated with the destination user. Outputs a transfer instruction (first instruction) for adding to the second crypto-asset account. The transfer instruction output unit 135, for example, notifies the crypto-asset processing unit 136 of the transfer instruction.

In accordance with the transfer instruction output by the transfer instruction output unit 135, the crypto-asset processing unit 136, for example, transfers the owner of one or more coins corresponding to the unlimited amount of money from the source user to the destination user to the blockchain. By adding a block indicating change, the amount without time limit is subtracted from the source user's first cryptographic asset account and added to the destination user's second cryptographic asset account.

In this way, the crypto-asset management server 1 provides the crypto-asset without an expiration date to the destination user as it is. It can promote the use for payment.

The remittance instruction output unit 137 (second instruction output unit) subtracts the amount with a time limit out of the settlement amount from the first cryptocurrency account associated with the source user, and subtracts the amount with a time limit calculated by the calculation unit 134 from the amount with a time limit. A remittance instruction (second instruction) for adding the corresponding currency amount to the currency account associated with the destination user is output. The remittance instruction output unit 137, for example, notifies the crypto-asset processing unit 136 of the remittance instruction and also transmits the remittance instruction to the bank server 3 via the network.

In accordance with the remittance instruction output by the remittance instruction output unit 137, the crypto-asset processing unit 136, for example, sends a block to the block chain indicating that one or more coins corresponding to the amount with a time limit are to be deprived from the source user. By adding, the amount with a time limit is subtracted from the first cryptographic asset account of the source user. In accordance with the remittance instruction received from the crypto-asset management server 1, the bank server 3 remits, for example, the currency corresponding to the currency amount from a predetermined currency account to the currency account of the destination user. The currency account of the remittance source is, for example, a currency account associated with the user (local government, company, etc.) who is the issuer of the cryptographic asset, and the source of the cryptographic asset is managed in advance.

In this way, the crypto-asset management server 1 converts the crypto-asset with the set expiration date into currency and provides it to the destination user, so that the user can save the trouble of converting the crypto-asset into currency.

The remittance instruction output unit 137 receives a request from the destination user to convert the crypto assets into currency when it is determined that at least a part of the one or more coins corresponding to the settlement amount has an expiration date. It is desirable to output the remittance instruction without receiving the remittance instruction. As a result, the crypto-asset management server 1 can further reduce the user's effort to convert the crypto-asset into currency.

Cryptocurrency can be exchanged not only between a user who is not a store (for example, a user who is a customer) and a user who is a store, but also between users who are not a store. There is a possibility that automatic conversion of crypto-assets into currency when exchanging crypto-assets between users who are not in stores may not be preferable from the viewpoint of activating economic circulation within the region. Therefore, the remittance instruction output unit 137 may output a remittance instruction on condition that the destination user is a shop.

In this case, for example, the determination unit 133 determines whether or not the destination user is a store, and specifies the entire payment amount as the amount without time limit when determining that the destination user is not a store. The transfer instruction output unit 135 outputs only the transfer instruction for the amount without time limit, and the remittance instruction output unit 137 does not output the remittance instruction for the amount with time limit. As a result, the crypto-asset management server 1 does not automatically convert the crypto-asset into currency when the crypto-asset is exchanged between users who are not in the store, so it is possible to promote the use of the crypto-asset for payment.

[Sequence of information processing method]
FIG. 7 is a sequence diagram of an exemplary information processing method executed by the information processing system S according to this embodiment. The source user terminal 4 transmits settlement information to the settlement server 2 in response to an operation by the source user. The settlement server 2 transmits a settlement request for settlement of the settlement amount indicated by the settlement information received from the user terminal 4 to the crypto-asset management server 1 (S11).

In the crypto-asset management server 1 , the receiving unit 132 receives the payment request from the payment server 2 . On the condition that the receiving unit 132 has received the payment request, the determining unit 133 sets an expiration date indicating a time limit that can be used for payment for each of one or a plurality of coins corresponding to the payment amount indicated by the payment request. It is determined whether or not there is (S12).

The determination unit 133 selects one or more coins corresponding to the settlement amount according to a predetermined condition from among one or more coins owned by the source user (S13). The determination unit 133 identifies the amount of crypto assets corresponding to one or a plurality of coins determined to have no expiration date among the payment amount as an amount without expiration date and has an expiration date set. The amount of crypto assets corresponding to one or a plurality of coins determined as the amount with a time limit is specified (S14).

The calculation unit 134 calculates a currency amount, which is an amount managed as a predetermined currency, corresponding to the time limit specified by the determination unit 133, according to a predetermined conversion condition (S15). The calculation unit 134 calculates the currency amount from the time-limited amount using, for example, the conversion ratio indicated by the conversion condition stored in the storage unit 12 .

The transfer instruction output unit 135 (first instruction output unit) subtracts the amount without time limit from the settlement amount from the first cryptocurrency account associated with the source user, and subtracts the amount without time limit from the amount associated with the destination user. A transfer instruction (first instruction) for adding to the second crypto-asset account is output (S16). In accordance with the transfer instruction output by the transfer instruction output unit 135, the crypto-asset processing unit 136, for example, transfers the owner of one or more coins corresponding to the unlimited amount of money from the source user to the destination user to the blockchain. By adding a block indicating change, the amount without time limit is subtracted from the source user's first cryptographic asset account and added to the destination user's second cryptographic asset account.

The remittance instruction output unit 137 (second instruction output unit) subtracts the amount with a time limit out of the settlement amount from the first cryptocurrency account associated with the source user, and subtracts the amount with a time limit calculated by the calculation unit 134 from the amount with a time limit. A remittance instruction (second instruction) for adding the corresponding currency amount to the currency account associated with the destination user is output (S17). The remittance instruction output unit 137, for example, notifies the crypto-asset processing unit 136 of the remittance instruction and also transmits the remittance instruction to the bank server 3 via the network.

In accordance with the remittance instruction output by the remittance instruction output unit 137, the crypto-asset processing unit 136, for example, sends a block to the block chain indicating that one or more coins corresponding to the amount with a time limit are to be deprived from the source user. By adding, the amount with a time limit is subtracted from the first cryptographic asset account of the source user. The bank server 3, according to the remittance instruction received from the crypto-asset management server 1, remits, for example, the currency corresponding to the currency amount from a predetermined currency account to the currency account of the destination user (S18).

[Effects of Embodiment]
According to the information processing system S according to the present embodiment, the crypto-asset management server 1, when the source user makes a payment to the destination user using the crypto-asset, is converted into currency and provided to the destination user, and crypto assets with no set expiration date are provided to the destination users as they are. As a result, the information processing system S can promote the use of the crypto assets for payment while reducing the user's effort to convert the crypto assets into currency.

<Modification>
In this modification, the crypto-asset management server 1 selects a crypto-asset to be converted into currency from the crypto-asset used for payment and the crypto-asset already owned by the destination user. In the following, parts different from the first embodiment will be mainly described.

The determination unit 133 selects one or more coins corresponding to the payment amount and one or more coins already managed in the second cryptographic asset account of the destination user to be converted into currency. Select one or more coins. The amount corresponding to one or more coins already managed in the destination user's second cryptographic asset account is referred to as the held amount.

FIGS. 8A and 8B are schematic diagrams for explaining how the determination unit 133 selects one or a plurality of coins to be converted into currency in this modification. In the example of FIG. 8(a), one or more coins corresponding to at least part of the payment amount have an expiration date set, and the total amount of the payment amount and the holding amount is is greater than or equal to the accepted reference amount.

In such a case, the determination unit 133 selects, for example, one or more coins corresponding to the payment amount and one or more coins corresponding to the holding amount, in order of shortest time until the expiration date. Select one or more coins to convert to currency. Here, the determining unit 133 converts into currency so that the sum of at least part of the settlement amount and at least part of the holding amount is equal to the reference amount received by the receiving unit 131. One or more coins may be selected.

Among the one or more coins corresponding to the payment amount and the one or more coins corresponding to the holding amount, the amount corresponding to one or more coins with a set expiration date is less than the reference amount. In this case, the determination unit 133 may select one or a plurality of coins for which the expiration date is not set so as to reach the reference amount.

In the example of FIG. 8( a ), the determination unit 133 determines 5 coins with 6 months until the expiration date corresponding to the settlement amount and 5 coins with 4 months until the expiration date corresponding to the holding amount as the reference amount. Select as 10 coins.

In the example of FIG. 8B, the total amount of the settlement amount and the holding amount is equal to or greater than the reference amount accepted by the accepting unit 131, and one or more coins corresponding to at least part of the holding amount is set with an expiration date (when one or more coins corresponding to the settlement amount are not set with an expiration date).

In such a case, the determination unit 133 selects, for example, one or more coins corresponding to the payment amount and one or more coins corresponding to the holding amount, in order of shortest time until the expiration date. Select one or more coins to convert to currency. Here, the determining unit 133 converts into currency so that the sum of at least part of the settlement amount and at least part of the holding amount is equal to the reference amount received by the receiving unit 131. One or more coins may be selected.

Among the one or more coins corresponding to the payment amount and the one or more coins corresponding to the holding amount, the amount corresponding to one or more coins with a set expiration date is less than the reference amount. In this case, the determination unit 133 may select one or a plurality of coins for which the expiration date is not set so as to reach the reference amount.

In the example of FIG. 8(b), the determining unit 133 determines 5 coins for which the expiration date corresponding to the settlement amount is not set and 5 coins for which the expiration date corresponding to the holding amount is 4 months before the reference amount. Select as 10 coins.

Further, the determination unit 133 selects one or more coins that have been used for payment in the past from among one or more coins corresponding to the holding amount, as one or more coins to be converted into currency. may In this case, the determination unit 133 determines whether or not each of the one or a plurality of coins corresponding to the holding amount has been used for payment in the past (in the past, it was a store) based on the crypto asset data acquired from the blockchain, for example. whether or not it has been transferred to the user), and selects a coin determined to have been used for payment in the past. As a result, the crypto-asset management server 1 enables conversion into currency on the condition that the crypto-asset already held by the destination user has been used for payment in the past, and the crypto-asset before distribution is converted into money. can be suppressed.

The calculation unit 134 calculates a currency amount, which is an amount managed as a predetermined currency, corresponding to the amount corresponding to one or more coins to be converted into the currency selected by the determination unit 133 according to a predetermined conversion condition. calculate. The calculation unit 134 calculates the currency amount from the amount corresponding to one or more coins to be converted into currency, for example, using the conversion ratio indicated by the conversion condition stored in the storage unit 12 .

The transfer instruction output unit 135 (first instruction output unit) outputs the transfer instruction (first instructions). In accordance with the transfer instruction output by the transfer instruction output unit 135, the crypto-asset processing unit 136, for example, transfers the owner of one or more coins corresponding to the unlimited amount of money from the source user to the destination user to the blockchain. By adding a block indicating change, the amount without time limit is subtracted from the source user's first cryptographic asset account and added to the destination user's second cryptographic asset account.

The remittance instruction output unit 137 (second instruction output unit) subtracts the amount corresponding to one or more coins to be converted into currency from the first cryptocurrency account associated with the source user. , the amount corresponding to one or more coins to be converted into currency among the holding amount is subtracted from the second crypto asset account associated with the destination user, and the currency amount calculated by the calculation unit 134 is subtracted from the destination user Outputs a remittance instruction (second instruction) for adding to the currency account associated with the user. The remittance instruction output unit 137, for example, notifies the crypto-asset processing unit 136 of the remittance instruction and also transmits the remittance instruction to the bank server 3 via the network.

According to the remittance instruction output by the remittance instruction output unit 137, the crypto-asset processing unit 136 deprives the source user and the destination user of, for example, one or more coins to be converted into currency for the block chain. By adding a block indicating that, the amount of one or more coins to be converted into currency is subtracted from the crypto asset accounts of the source user and the destination user. In accordance with the remittance instruction received from the crypto-asset management server 1, the bank server 3 remits, for example, the currency corresponding to the currency amount from a predetermined currency account to the currency account of the destination user.

According to this modification, the crypto-asset management server 1 can automatically convert the crypto-asset corresponding to the payment amount and the crypto-asset already owned by the destination user into currency together. The user can obtain a profit, for example, when the handling fee is reduced by collectively converting crypto assets of a predetermined amount or more into currency.

<Second embodiment>
The information processing system S according to the first embodiment determines whether or not the expiration date is set for the crypto asset corresponding to the settlement amount before providing the crypto asset to the destination user. The information processing system S according to the embodiment determines whether or not an expiration date is set for the crypto assets after providing the crypto assets corresponding to the payment amount to the destination user. In the following, parts different from the first embodiment will be mainly described.

FIG. 9 is a sequence diagram of an exemplary information processing method executed by the information processing system S according to this embodiment. In the crypto-asset management server 1, the accepting unit 131 accepts in advance at least one of the reference time and the reference amount specified by the destination user in the destination user terminal 5.

The source user terminal 4 transmits settlement information to the settlement server 2 in response to an operation by the source user. The settlement server 2 transmits a settlement request for settlement of the settlement amount indicated by the settlement information received from the user terminal 4 to the crypto-asset management server 1 (S21). The payment amount is the amount of crypto assets managed in the first crypto asset account associated with the source user.

In the crypto-asset management server 1 , the receiving unit 132 receives the payment request from the payment server 2 . The transfer instruction output unit 135 (first instruction output unit) subtracts the payment amount indicated by the payment request from the first cryptocurrency account associated with the source user on condition that the reception unit 132 has received the payment request. At the same time, it outputs a transfer instruction (first instruction) for adding the settlement amount to the second cryptocurrency account associated with the destination user (S22). The transfer instruction output unit 135, for example, notifies the crypto-asset processing unit 136 of the transfer instruction.

According to the transfer instruction output by the transfer instruction output unit 135, the crypto-asset processing unit 136 changes, for example, the owner of one or more coins corresponding to the settlement amount from the source user to the destination user for the blockchain. By adding a block indicating that the settlement amount is subtracted from the source user's first cryptographic asset account and added to the destination user's second cryptographic asset account.

After the payment amount is added to the second crypto-asset account, the determination unit 133 determines whether or not the one or more coins corresponding to the payment amount are set with an expiration date indicating the expiration date that can be used for payment. Determine (S23).

The determination unit 133, for example, acquires the crypto asset data associated with the ID of one or more coins corresponding to the payment amount from the blockchain. The determination unit 133 determines whether an expiration date is set for each of one or more coins corresponding to the settlement amount in the acquired crypto asset data.

When it is determined that the expiration date is not set for all of the one or more coins corresponding to the settlement amount (NO in S24), the crypto-asset management server 1 terminates the process without converting the crypto-asset into currency. .

When it is determined that at least a part of the one or more coins corresponding to the payment amount has an expiration date set (YES in S24), the determination unit 133 determines whether the expiration date is set for the payment amount. The amount of crypto assets corresponding to the one or more coins determined to be valid is specified as the amount with a time limit (S25).

The calculation unit 134 calculates a currency amount, which is an amount managed as a predetermined currency, corresponding to the time limit specified by the determination unit 133, according to predetermined conversion conditions (S26). The calculation unit 134 calculates the currency amount from the time-limited amount using, for example, the conversion ratio indicated by the conversion condition stored in the storage unit 12 .

The remittance instruction output unit 137 (second instruction output unit) subtracts the amount with a time limit out of the settlement amount from the first cryptocurrency account associated with the source user, and subtracts the amount with a time limit calculated by the calculation unit 134 from the amount with a time limit. A remittance instruction (second instruction) for adding the corresponding currency amount to the currency account associated with the destination user is output (S27). The remittance instruction output unit 137, for example, notifies the crypto-asset processing unit 136 of the remittance instruction and also transmits the remittance instruction to the bank server 3 via the network.

The crypto-asset processing unit 136 follows the remittance instruction output by the remittance instruction output unit 137, for example, by adding to the block chain a block indicating that the coin corresponding to the amount with a time limit will be deprived from the source user. , subtract the amount with a time limit from the crypto asset account of the source user. The bank server 3, according to the remittance instruction received from the crypto-asset management server 1, remits, for example, the currency corresponding to the currency amount from a predetermined currency account to the currency account of the destination user (S28).

As in the first embodiment, the information processing system S according to the present embodiment can promote the use of crypto assets for payment while reducing the user's effort to convert crypto assets into currency. Further, the information processing system S determines whether or not an expiration date is set for the crypto-asset after providing the crypto-asset corresponding to the settlement amount to the destination user, so that the crypto-asset can be converted into currency. Since payment can be completed without waiting, the time required for payment can be shortened.

<Third Embodiment>
In the first and second embodiments described above, the crypto-asset management server 1 functions as an information processing device that performs settlement processing in consideration of the expiration date of the crypto-asset. It may function as an information processing device that performs processing for settlement in consideration of the deadline. In this modified embodiment, the control unit (processor) of the settlement server 2 includes the above-described reception unit 131, reception unit 132, determination unit 133, calculation unit 134, transfer instruction output unit 135, crypto asset processing unit 136, and remittance instruction output. It functions as part 137 .

According to the present embodiment, the settlement server 2 can execute settlement processing in consideration of the expiration date set for the crypto asset, so that the load and waiting time due to communication between devices can be reduced.

The present invention makes it possible to contribute to Goal 9 of the Sustainable Development Goals (SDGs) led by the United Nations, "Industry and technological innovation."

Although the present invention has been described above using the embodiments, the technical scope of the present invention is not limited to the scope described in the above embodiments, and various modifications and changes are possible within the scope of the gist thereof. be. For example, all or part of the device can be functionally or physically distributed and integrated in arbitrary units. In addition, new embodiments resulting from arbitrary combinations of multiple embodiments are also included in the embodiments of the present invention. The effect of the new embodiment caused by the combination has the effect of the original embodiment.

S information processing system 1 crypto-asset management server 11 communication unit 12 storage unit 13 control unit 131 reception unit 132 reception unit 133 determination unit 134 calculation unit 135 transfer instruction output unit 136 crypto-asset processing unit 137 remittance instruction output unit 2 settlement server 3 bank Server 4 Source user terminal 5 Destination user terminal

Claims (16)

a receiving unit that receives a payment request for making a payment to a destination user, the payment request indicating a payment amount that is the amount of crypto assets managed in a first crypto asset account associated with the source user;
On the condition that the receiving unit has received the payment request, for each of one or a plurality of asset units corresponding to the payment amount, which are units in which the cryptocurrency is used for payment, a determination unit that determines whether or not an expiration date indicating an available time limit is set;
subtracting from the first crypto-asset account an amount without a time limit, which is the amount of the crypto-asset corresponding to the one or more asset units for which the expiration date is determined not to be set, from the settlement amount; a first instruction output unit for outputting a first instruction for adding a zero amount to a second cryptocurrency account associated with the destination user;
Subtracting, from the first crypto-asset account, an amount with a time limit, which is the amount of the crypto-asset corresponding to one or more asset units for which the expiration date is determined to be set, from the settlement amount, and a second instruction output unit for outputting a second instruction for adding a currency amount, which is an amount in a predetermined currency, corresponding to the amount of money to the currency account associated with the destination user;
An information processing device. When it is determined that the expiration date is set for at least a part of one or a plurality of asset units corresponding to the settlement amount, the second instruction output unit outputs the crypto asset from the destination user to the outputting the second instruction without receiving a request to convert to currency;
The information processing device according to claim 1 . The second instruction output unit outputs one or more asset units for which the expiration date is determined to be set in the settlement amount, and the time until the expiration date is within a reference time. outputting the second instruction with an amount corresponding to a plurality of asset units as the amount with a time limit;
The information processing apparatus according to claim 1 or 2. further comprising a reception unit that receives designation of the reference time from the destination user;
The information processing apparatus according to claim 3. When the amount corresponding to the one or more asset units determined to have the expiration date exceeds the reference amount, the second instruction output unit sets the reference amount as the amount with the expiration date, and 2 outputs instructions,
The information processing apparatus according to claim 1 or 2. When the expiration date is set for one or a plurality of asset units corresponding to at least part of the settlement amount, the second instruction output unit is configured to: subtracting at least a portion of the settlement amount from the first crypto-asset account when the total amount of the held amount of the crypto-asset that has already been managed and the amount of the held crypto-asset is greater than or equal to a reference amount, and at least a portion of the held amount; from the second cryptographic asset account, and add the amount of the currency corresponding to the sum of at least part of the settlement amount and at least part of the holding amount to the currency account 2 outputs instructions,
The information processing device according to claim 1 . When the total amount of the settlement amount and the holding amount of the crypto-asset already managed in the second crypto-asset account is equal to or greater than a reference amount, the second instruction output unit outputs the holding amount subtracting at least part of the settlement amount from the first crypto-asset account, and at least part of the held amount from the second cryptographic asset account, and add the amount of the currency corresponding to the sum of at least part of the settlement amount and at least part of the holding amount to the currency account 2 outputs instructions,
The information processing device according to claim 1 . The second instruction output unit outputs the second instruction such that an amount obtained by adding at least a portion of the settlement amount and at least a portion of the holding amount is equal to the reference amount.
The information processing apparatus according to claim 6 or 7. The second instruction output unit outputs one or more instructions corresponding to the settlement amount such that an amount obtained by adding at least a portion of the settlement amount and at least a portion of the holding amount is equal to the reference amount. Outputting the second instruction using some asset units selected from the asset unit and one or more asset units corresponding to the holding amount in order of shortest time until the expiration date;
The information processing apparatus according to claim 8 . The second instruction output unit outputs the second instruction using one or more asset units that have been used for settlement in the past among the one or more asset units corresponding to the holding amount.
The information processing apparatus according to claim 6 or 7. The second instruction output unit outputs the second instruction on condition that the destination user is a store.
The information processing apparatus according to claim 1 or 2. Payments using said crypto assets are managed by blockchain,
The first instruction output unit outputs the first instruction for changing a holder of one or more asset units corresponding to the unlimited amount of money in the blockchain from the source user to the destination user. ,
The information processing apparatus according to claim 1 or 2. Payment using the crypto asset can be performed at a store within a predetermined area, and payment using the currency can be performed at a store outside the area.
The information processing apparatus according to claim 1 or 2. the processor executes
receiving a payment request for making payment to the destination user, the payment request indicating a payment amount that is the amount of crypto assets managed in a first crypto asset account associated with the source user;
On the condition that the payment request is received in the receiving step, payment is made in each of one or more asset units corresponding to the payment amount, which is the unit in which the cryptocurrency is used for payment. a step of determining whether an expiration date indicating an available time limit is set for the
subtracting from the first crypto-asset account an amount without a time limit, which is the amount of the crypto-asset corresponding to the one or more asset units for which the expiration date is determined not to be set, from the settlement amount; outputting a first instruction to add a zero amount to a second cryptocurrency account associated with the destination user;
Subtracting, from the first crypto-asset account, an amount with a time limit, which is the amount of the crypto-asset corresponding to one or more asset units for which the expiration date is determined to be set, from the settlement amount, and outputting a second instruction for adding a currency amount, which is an amount in a predetermined currency, corresponding to an amount to a currency account associated with the destination user;
An information processing method comprising: a receiving unit that receives a payment request for making a payment to a destination user, the payment request indicating a payment amount that is the amount of crypto assets managed in a first crypto asset account associated with the source user;
Subtracting the settlement amount from the first crypto-asset account and adding the settlement amount to the second crypto-asset account associated with the destination user on condition that the receiving unit has received the settlement request. a first instruction output unit that outputs a first instruction for
After the settlement amount is added to the second crypto-asset account, settlement is made for each of one or more asset units corresponding to the settlement amount, which is the unit in which the crypto-asset is used for settlement. a determination unit that determines whether or not an expiration date indicating an available time limit is set for the
Subtracting from the second crypto-asset account an amount with a time limit, which is the amount of the crypto-asset corresponding to the one or more asset units determined to have the expiry date set, from the settlement amount, and a second instruction output unit for outputting a second instruction for adding a currency amount, which is an amount in a predetermined currency, corresponding to the amount of money to the currency account associated with the destination user;
An information processing device. the processor executes
receiving a payment request for making payment to the destination user, the payment request indicating a payment amount that is the amount of crypto assets managed in a first crypto asset account associated with the source user;
On the condition that the payment request is received in the receiving step, the payment amount is subtracted from the first cryptographic asset account and the payment amount is added to the second cryptographic asset account associated with the destination user. outputting a first instruction to
After the settlement amount is added to the second crypto-asset account, settlement is made for each of one or more asset units corresponding to the settlement amount, which is the unit in which the crypto-asset is used for settlement. a step of determining whether an expiration date indicating an available time limit is set for the
Subtracting from the second crypto-asset account an amount with a time limit, which is the amount of the crypto-asset corresponding to the one or more asset units determined to have the expiry date set, from the settlement amount, and outputting a second instruction for adding a currency amount, which is an amount in a predetermined currency, corresponding to an amount to a currency account associated with the destination user;
An information processing method comprising:

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