JP7241284B1 - Information processing device, information processing method and program - Google Patents

Abstract

An information processing device, an information processing method, and a program for determining an appropriate loan amount for a user who has submitted collateral are provided. In an information processing system (1000) in which client devices (110) equal in number to users and server devices (100) are connected to a network (150), the server device (100) as an information processing device has a control unit. The control unit determines the amount of money to be lent to the user based on the user's item appraisal value and blockchain information regarding the item or the item's certificate. [Selection drawing] Fig. 1

Description

The present invention relates to an information processing device, an information processing method, and a program.

Patent Literature 1 discloses a financing support system that enables individuals, managers of small and medium-sized enterprises, etc., to easily and simply receive necessary financing.

JP 2002-183444 A

Determining an appropriate loan amount for a user who has submitted collateral has been a difficult problem.

According to one aspect of the present invention, an information processing device is provided. This information processing device has a control unit. The control unit determines the amount of money to be lent to the user based on the user's item valuation and blockchain information regarding the item or the item's certificate.

FIG. 1 is a diagram showing an example of a system configuration of an information processing system 1000. As shown in FIG. FIG. 2 is a diagram showing an example of the hardware configuration of the server device 100. As shown in FIG. FIG. 3 is a diagram showing an example of the hardware configuration of the client device 110. As shown in FIG. FIG. 4 is a sequence diagram showing an example of information processing in the information processing system 1000. As shown in FIG. FIG. 5 is a diagram showing an example of an item list screen. FIG. 6 is a diagram showing an example of a screen containing the amount of crypto assets corresponding to the determined amount.

Embodiments of the present invention will be described below with reference to the drawings. Various features shown in the embodiments shown below can be combined with each other.

In this specification, the term "unit" may include, for example, a combination of hardware resources implemented by circuits in a broad sense and software information processing that can be specifically realized by these hardware resources. In addition, although various information is handled in this embodiment, this information is represented by the level of the signal value as a binary bit aggregate composed of 0 or 1, and communication and calculation are performed on a circuit in a broad sense. can be

A circuit in a broad sense is a circuit implemented by appropriately combining at least circuits, circuits, processors, memories, and the like. Application Specific Integrated Circuits (ASICs), programmable logic devices (e.g., Simple Programmable Logic Devices (SPLDs), Complex Programmable Logic Devices (CPLDs), and field It includes a programmable gate array (Field Programmable Gate Array: FPGA).

<Embodiment 1>
1. System Configuration FIG. 1 is a diagram showing an example of the system configuration of an information processing system 1000. As shown in FIG. As shown in FIG. 1, an information processing system 1000 includes a server device 100 and a client device 110 as a system configuration. A client device 110 is a device used by a user who has a collection (collection, possession, or possession) of items. The user requests the server device 100 via the client device 110 to store the item in a predetermined warehouse, device, or the like. Here, as will be described later, if the item is a real asset, the user requests that the item be stored in a warehouse or the like. On the other hand, if the item is a digital asset, the user requests that the item be stored on a device (eg, a device such as a storage server). Here, an item is something whose asset value can be maintained or increased, such as art, wine, antiques, stamps, coins, figures, sneakers, trading cards, used clothes, branded goods, books, cars, virtual goods, etc. It is land in space. The art may be an oil painting, a Japanese painting, or the like, or may be digital art.
In the following, for the sake of simplification of explanation, an example of art will be explained as an item. However, this does not limit the present embodiment. Taking art as an example, real oil paintings and Japanese paintings are examples of real assets. Digital art, on the other hand, is an example of a digital asset.
The server device 100 is a device that executes the processing of this embodiment. The user selects art stored in a predetermined warehouse or device via the client device 110 and requests the server device 100 for financing with the selected art as collateral. Upon receiving the loan request, the server device 100 determines the amount of money to lend to the user based on the valuation of the selected art and the blockchain information regarding the art or art certificate. Then, the server device 100 executes a loan-related process for the user based on the determined amount of money.

In FIG. 1, only one client device 110 is shown in the information processing system 1000 for simplification of explanation. However, as many client devices 110 as there are users are included in the information processing system 1000 .
In addition, although FIG. 1 shows a smartphone as an example of the client device 110, the client device 110 is not limited to a smartphone, and may be a PC (Personal Computer) or a tablet computer. Server device 100 is an example of an information processing device.

2. Hardware Configuration (1) Hardware Configuration of Server Device 100 FIG. 2 is a diagram showing an example of the hardware configuration of the server device 100. As shown in FIG. The server device 100 includes a control unit 201, a storage unit 202, and a communication unit 203 as a hardware configuration. The control unit 201 is a CPU (Central Processing Unit) or the like, and controls the server device 100 as a whole. The storage unit 202 is any one of HDD (Hard Disk Drive), ROM (Read Only Memory), RAM (Random Access Memory), SSD (Solid State Drive), etc., or any combination thereof, and stores programs and controls. It stores data and the like used when the unit 201 executes processing based on a program. The functions of the server device 100 and the like are realized by the control unit 201 executing processing based on the programs stored in the storage unit 202 . The communication unit 203 is a NIC (Network Interface Card) or the like, connects the server device 100 to the network 150, and controls communication with other devices (for example, the client device 110 or the like).
In the present embodiment, it is assumed that data used when the control unit 201 executes processing based on a program is stored in the storage unit 202, but the storage unit of another device with which the server device 100 can communicate, etc. may be stored in

(2) Hardware Configuration of Client Device 110 FIG. 3 is a diagram showing an example of the hardware configuration of the client device 110. As shown in FIG. The client device 110 includes a control unit 301, a storage unit 302, an input/output unit 304, and a communication unit 305 as a hardware configuration. The control unit 301 is a CPU or the like, and controls the entire client device 110 . The storage unit 302 is one of HDD, ROM, RAM, SSD, or any combination thereof, and stores programs, data used when the control unit 301 executes processing based on the programs, and the like. The functions of the client device 110 are implemented by the control unit 301 executing processing based on the programs stored in the storage unit 302 . The image capturing unit 303 is a camera or the like, and captures an image of a subject in accordance with an operator's operation. The input/output unit 304 is a touch panel display or the like, and inputs user operations to the control unit 301 and displays processing results of the control unit 201 and the like. The input/output unit 304 may further include a microphone, a speaker, and the like, and may input the user's voice to the control unit 301 and output the processing result of the control unit 201 by voice. The communication unit 305 connects the client device 110 to the network 150 and controls communication with other devices (for example, the server device 100 and the like).
Even if the information processing system 1000 includes another client device, the hardware configuration of the client device is the same as the hardware configuration shown in FIG.

3. Information Processing Processing of the present embodiment will be described below.
As described above, the server device 100 determines the amount of money to be lent to the user based on the user's art appraisal value and the blockchain information regarding the art or the art work certificate. More specifically, the server device 100 lends money to the user based on the appraisal value of the art designated by the user as collateral and the blockchain information related to the art or the art work certificate. determine the amount of Here, it is assumed that the art or work of art certificate designated by the user as collateral is registered in the blockchain system. In other words, if the art is a digital asset such as digital art, the NFT (Non-Fungible Token) of the digital art is registered in the blockchain system, and if the art is a real asset such as an oil painting or Japanese painting, the work certificate of the real asset of NFTs will be registered in the blockchain system. In this embodiment, the art registered in the blockchain system refers to the art NFT, and the art work certificate registered in the blockchain system refers to the NFT of the art work certificate. Say. Here, the blockchain system may be a centralized system or a distributed ledger system. The server device 100 acquires block chain information related to the art or art work certificate specified by the user from a predetermined block chain system that can communicate via the network 150 .

FIG. 4 is a sequence diagram showing an example of information processing in the information processing system 1000. As shown in FIG.
The client device 110 requests the server device 100 to display a list of the user's items deposited in the warehouse or the like of the information processing system 1000 based on the user's operation. Upon receiving the item list display request, in sequence SQ401, server device 100 controls input/output unit 304 of client device 110 to display a screen containing a list of items that the user has deposited in a warehouse or the like. FIG. 5 is a diagram showing an example of an item list screen. The list screen 500 includes a list of items deposited by the user. Item 501 is one of the items included in the list. Button 502 is the button that the user selects when requesting deposit to quality of the item corresponding to button 502 . The button 502 is arranged near the captured image of the corresponding item.

When the button 502 is selected, the server device 100 executes the process of acquiring the appraisal value of the item corresponding to the button 502 in sequence SQ402. As an example of processing for acquiring an appraisal value, the server device 100 displays a screen for inputting the appraisal value on a predetermined device (for example, a device of an appraiser who conducts an appraisal) based on a request, and inputs the appraisal value via the screen. get. At this time, transmitting a request for appraisal to a predetermined device and/or displaying a screen for creating an invoice for sending the corresponding item to the appraiser will also acquire the appraisal value. It is an example of processing.
As another example, the server device 100 inputs the captured image of the corresponding art to the learned model trained by inputting the captured image of the captured art and outputting the evaluation value of the art, and outputs the captured image of the corresponding art from the trained model. You may get the valuation of the art. Such a process is also an example of the process of acquiring the appraisal value.

In sequence SQ403, the server device 100 acquires the block chain information of the corresponding item from the block chain system. Here, the blockchain information is information about the transaction history of art or art work certificates. For example, based on the transaction history of art, the server device 100 can track all of the transaction history of art from the author of the art to the user who has specified collateral, depending on whether there is a partial omission or the like. Rank your trading history. For example, if the server device 100 can track all the transaction histories of art, it has a gold rank. In this case, the transaction history is ranked such as a silver rank lower than the gold rank, and a bronze rank lower than the silver rank if only a part of the transaction history can be tracked.
The order of the processing of sequence SQ402 and the processing of sequence SQ403 does not matter. Either may come first, or both may occur simultaneously.

Then, in sequence SQ404, server device 100 determines the amount of money to be lent to the user based on the art valuation and the rank of the transaction history. For example, if the art has an appraisal value of 10 million, the gold rank will lend 10 million, the silver rank will lend 9.5 million, and the bronze rank will lend. The amount of money is determined as 9,000,000 or the like. Although the transaction history of art is described here as an example, the server apparatus 100 can perform the same processing using the transaction history of the work certificate of art. Here, the process of determining the amount of money to be given in this specification includes the process of setting the amount of money to be given to zero, that is, deciding not to give money.

In sequence SQ405, server device 100 controls to display the determined amount of money (specifically, the amount of money) on the screen of a predetermined device. The predetermined device is, for example, the art-backed user's client device 110 . Here, the server device 100 may finance the user with crypto assets corresponding to the determined amount. The crypto-assets referred to here are virtual currencies, such as Bitcoin and Ether. In this case, the server device 100 may control to display the amount of crypto assets corresponding to the determined amount on the screen of a predetermined device. It should be noted that the server device 100 may allow the user to select the type of virtual currency to be financed, that is, the crypto asset. Note that the server device 100 may determine only the amount of money to be lent to the user with the art as collateral, and the actual financing may be performed by another system. FIG. 6 is a diagram showing an example of a screen containing the amount of crypto assets corresponding to the determined amount. As shown in FIG. 6, a screen 600 includes a captured image 601 of an item. The screen 600 also includes a crypto asset amount 602 corresponding to the amount determined by the server device 100 . The screen 600 also includes a button 603 . Button 603 is selected if the user agrees to pledge the item.
As another example, the server device 100 may lend NFTs (Non-Fungible Tokens) to the user instead of the crypto assets corresponding to the determined amount. Examples of NFTs include NFTs of items that can be used in the Metaverse space.

When the button 603 is selected on the screen shown in FIG. 6, the server device 100 executes processing such as depositing the crypto asset amount 602 into the user's predetermined account. When the depositing process and the like are completed, in sequence SQ406, the server device 100 transmits information indicating that the deposit has been made, information on the amount of the deposited crypto asset, and the like to the client device 110. FIG.

According to the processing of this embodiment, it is possible to determine an appropriate loan amount for a user who has secured art or the like using information on the blockchain.
It should be noted that the same is true when collateral is not the item itself but the NFT of the item. That is, the user may create an NFT for the item instead of the item itself, and receive a loan using the created NFT as collateral. In this case as well, the server device 100 ranks the NFT transaction histories based on whether or not the entire NFT history of the item has been tracked. The server device 100 determines the amount of money to be given to the user based on the NFT valuation of the item and the rank of the NFT transaction history.
Further, the processing performed by the server device 100 described above may be performed on a smart contract.
If the user to whom the determined amount of money has been granted repays the amount of money with interest within a predetermined period, the server device 100 returns the collateralized art or the like to the user. Execute the return process. Here, even if the amount obtained by adding interest to the given money cannot be repaid within a predetermined period, if the amount corresponding to the interest is repaid, the server device 100 extends the predetermined period related to the repayment deadline. You may make it Here, if the art is a real asset, and a smart tag or the like is attached to the art so that the location information can be acquired, the server device 100 can be used for a predetermined period (predetermined period + extended period medium), it may be possible to verify from the user's client device 110 that the pawned art is in place and has not been forfeited.

(Modification 1)
A modification of the first embodiment will be described.
The information processing system 1000 of Modification 1 also includes a client device of a user who makes a loan.
The server device 100 of Modification 1 determines the loan amount for the user collateralized by items, etc., creates and displays a screen for recruiting users who will lend, including information on the determined loan amount, information on the item, and the like. control to This screen is displayed on the client device of the user who makes the loan in response to a request. It should be noted that this screen may include a plurality of pieces of information relating to such solicitation of loans. A user who makes a loan selects an object to be financed from a plurality of pieces of information through the screen.
That is, the server device 100 connects the user who pledged the item or the like with the user who makes the loan via the screen. Then, the server device 100 sets a predetermined amount (for example, interest added to the loaned amount) related to the amount loaned by the user (first user) who pledged the item etc. as collateral by the predetermined repayment deadline. amount) to the user who made the loan (second user), the process of changing the ownership of the pledged item from the first user to the second user is executed. can be

According to Modification 1, the user who pledged the item as collateral and the user who made the loan can be connected.

(Modification 2)
A modification of the first embodiment will be described.
The server device 100 of Modified Example 2 may change the amount of money that can be lent to a user with art as collateral, based on the information as to whether or not the art work certificate is registered on the blockchain. For example, if the appraisal value of the art is 1 million, the server device 100 determines that the amount of money that can be lent to the user is 1,000,000 if the certificate of the work of art is registered on the blockchain. If the certificate is not registered on the blockchain, the amount that can be lent to the user is determined to be 900,000, which is lower than 1 million.

According to Modification 2, it is possible to change the loan amount with the item as collateral depending on whether or not the certificate related to the item is registered on the blockchain.

(Modification 3)
A modification of the first embodiment will be described.
Blockchain information in Modification 3 is information about the provenance of an item or a certificate of an item. Modification 3 will also be described using art as an example of the item. Information on the history of art is information about when it was drawn by which artist, how it was traced from there, and how it is now in the hands of the user. Here, the provenance information includes information on the owner who owned the item. For example, the server device 100 of Modification 3 gives XX points if the past owners of the item include a predetermined celebrity, and if the past owners of the item include a predetermined art museum or gallery. For example, △△ points are added to the art according to the information about the history of the art. Then, the server device 100 ranks the art according to the score of the art. For example, the server device 100 ranks the art so that the higher the score of the art, the higher the rank of the art. The server device 100 ranks the information on the history of art such as gold rank if the art score is 500 points or more, silver rank if the score is 300 points or more and less than 500 points, bronze rank if the score is less than 300 points, and the like.

The server device 100 determines the amount of money to be lent to the user based on the appraisal value of the art and the rank of the information regarding the history of the art. For example, if the art has an appraisal value of 10 million, the gold rank will lend 10 million, the silver rank will lend 9.5 million, and the bronze rank will lend. The amount of money is determined as 9,000,000 or the like. Note that this is just an example, and the server device 100 may determine an amount higher than the evaluation amount of the art as the amount to be given according to the rank.

According to Modification 3, it is possible to change the amount of the loan secured by the item based on the information on the provenance of the item or the certificate of the item as blockchain information.
If information about where the art was exhibited is included in the block chain as the information about the provenance, for example, if the server device 100 has been exhibited at a registered museum, the server device 100 points Points may be added to the art, such as ○△ points, etc., if the art is exhibited at a registered predetermined gallery.

(Modification 4)
A modification of the first embodiment will be described.
The information of the block chain in Modification 4 is the information of the seller who sold the item or the information of the issuer who issued the certificate of the item. The information on the seller of the item is the information on the store where the item was originally sold. For example, if the item is a brand-name product, information indicating that the item is a directly managed store of the brand may be included as the information on the seller of the item. The server device 100 of Modification 4 determines the amount of money to be lent to the user based on the appraisal value of the item and information on the seller of the item. For example, if the item's appraisal value is 10,000,000 and the information of the seller that sold the item indicates a directly managed store, the amount of money to be lent is 10,000,000, and the item's appraisal value is 10,000,000, and the seller that sold the item indicates that the store is not a directly managed store, the amount of money to be lent is determined to be 9,000,000.

According to Modification 4, the amount of the loan secured by the item can be changed based on the information of the seller who sold the item or the information of the issuer who issued the certificate of the item as block chain information. More specifically, the item is collateralized based on whether the seller who sold the item is a predetermined seller or not, and whether the issuer who issued the certificate of the item is a predetermined issuer or not as blockchain information. You can change the amount of the loan. For example, if the issuer that issued the certificate for the item is not the predetermined issuer, the server device 100 sets the loan amount to a loan amount (first loan amount) lower than the item appraisal value. On the other hand, if the issuer who issued the certificate of the item is the predetermined issuer, the server device 100 makes the loan amount higher than the first loan amount (second loan amount). Similarly, if the issuer who issued the item certificate is not the predetermined issuer, the server device 100 sets the loan amount to a loan amount lower than the item appraisal value (third loan amount). On the other hand, if the issuer who issued the certificate of the item is the predetermined issuer, the server device 100 makes the loan amount higher than the third loan amount (fourth loan amount).

(Modification 5)
A modification of the first embodiment will be described.
The server device 100 of Modification 5 acquires information as to whether or not the item has a defect, and if the item has a defect, information as to the content of the defect, etc., when acquiring the appraisal value of the item. For example, the server device 100 displays a screen for inputting an appraisal value on a predetermined device (for example, a device of an appraiser who conducts an appraisal) based on the request. information, and if there is a defect in the item, information on the content of the defect is acquired. Here, the defect is, for example, a scratch on the item or dirt on the item. The content of the defect is, for example, that the item has dirt at the position of .DELTA..DELTA. As another example, a captured image of art is input, the appraisal value of the art, information on whether or not the art has a defect, and if there is a defect, the content of the defect is output to the trained model server. The apparatus 100 may input the captured image of the corresponding art, and acquire the evaluation value of the art output from the trained model, information on whether the art has a defect, and if there is a defect, the details of the defect. .

In sequence SQ405 of Modified Example 5, if the server apparatus 100 receives information indicating that the item is defective, it controls such that a screen such as that shown in FIG. 7 is displayed on the display of a predetermined apparatus. . FIG. 7 is a diagram showing an example of a screen containing the determined amount of money. The screen of FIG. 7 further includes a repair button 710 compared to the screen of FIG. Repair button 710 is an example of an object related to defect repair. A repair button 710 is a button for requesting repair of the corresponding item. The server device 100 generates a repair button 710 as a button for requesting repair of the item to the system or the like to which repair is requested according to the content of the defect. For example, if the content of the defect is dirt, when the repair button 710 is selected, the screen transitions to a screen of a predetermined system such as a cleaning company for the item. Also, if the content of the defect is a scratch, when the repair button 710 is selected, the screen transitions to a screen of a predetermined system or the like of a trader who repairs the scratch of the item.
Note that the server device 100 may include information such as the possibility that the amount of money given may increase if the item is repaired on the screen as shown in FIG. 7, and the repair button 710 may be selected. .

According to Modified Example 5, even if the item has a defect, it is possible to prompt the user to repair the item, since repairing the item may increase the grant amount.

(Modification 6)
A modification of the first embodiment will be described. More specifically, the sixth modification is a modification of the fifth modification.
When the server device 100 of Modification 6 acquires the appraisal value of an item, it provides information on whether or not the item has a defect, if there is a defect, information on the details of the defect, and information on the item when the defect has been repaired. Get valuation and For example, the server device 100 displays a screen for inputting an appraisal value on a predetermined device (for example, a device of an appraiser who conducts an appraisal) based on the request. If the item has a defect, information about the content of the defect and the item's appraisal value when the defect is repaired are acquired. As another example, the captured image of the art is input, the appraisal value of the art, information on whether or not the art has a defect, information on the details of the defect if there is a defect, and the item when the defect is repaired. The server device 100 inputs the picked-up image of the corresponding art to the learned model with the evaluation value and the output, and the evaluation value of the art output from the learned model and information as to whether or not the art has a defect. , if there is a defect, the content of the defect and the appraisal value of the item when the defect is repaired may be acquired.

In sequence SQ405 of modification 6, if the server device 100 receives information indicating that the item is defective, it controls such that a screen such as that shown in FIG. 8 is displayed on the display of a predetermined device. . FIG. 8 is a diagram showing an example of a screen containing the determined amount of money. The screen of FIG. 8, compared to the screen of FIG. 7, includes information 810 regarding the appraisal value of the item when the item is repaired. More specifically, the item evaluation price information 810 is information about the item evaluation price that is increased when the item is repaired. The server device 100 controls to include and display the difference between the appraisal value of the item when the defect is repaired and the appraisal value of the item as information on the appraisal value of the item to be raised when the item is repaired. do.

According to Modified Example 6, the user can obtain information about how much the amount of money to be granted increases if the item is repaired, which can be used as a reference when repairing the item.
Note that the server device 100 may display the information 810 on the appraisal value of the item when the item is repaired together with the information on the cost used for repairing the item on the screen.

<Appendix>
The invention may be provided in each of the aspects described below.

(1) An information processing device having a control unit, the control unit instructs the user to An information processing device that determines the amount of money to lend.

(2) In the information processing device according to (1) above, the control unit prompts the user based on the appraisal value of the item designated as collateral by the user and the information on the blockchain. An information processing device that determines the amount of money to lend.

(3) In the information processing apparatus according to (1) or (2) above, the control unit controls to display a screen including the determined amount of money.

(4) In the information processing device according to any one of (1) to (3) above, the information on the blockchain is information on the transaction history of the item or the certificate of the item. processing equipment.

(5) In the information processing device according to any one of (1) to (3) above, the information on the blockchain is information on the provenance of the item or the certificate of the item. Device.

(6) In the information processing device according to any one of (1) to (3) above, the blockchain information is information of a seller who sold the item or a certificate issued for the item. Information processing device, which is information of the issuer who made it.

(7) In the information processing apparatus according to (3) above, when the item has a defect, the control unit performs control to display an object related to repairing the defect on the screen.

(8) In the information processing apparatus described in (7) above, when the item has a defect, the control unit displays information on the screen regarding the evaluation price of the item when the defect is repaired. Information processing device that controls

(9) The information processing apparatus according to any one of (1) to (8) above, wherein the item is a real asset.

(10) The information processing apparatus according to any one of (1) to (9) above, wherein the item is a digital asset.

(11) In the information processing device according to any one of (1) to (10) above, the amount of money lent to the user is the amount of crypto assets lent to the user. Device.

(12) In the information processing device according to any one of (1) to (11) above, a screen for soliciting loans from the user, including the determined amount of money to be lent to the user, is displayed. Information processing device to control.

(13) An information processing method executed by an information processing device, wherein the amount of money to be lent to the user based on the appraisal value of the user's item and blockchain information related to the item or the certificate of the item. A method of processing information that determines

(14) A program for causing a computer to function as a control unit of the information processing apparatus according to any one of (1) to (12) above.
Of course, this is not the only case.

For example, it may be provided as a computer-readable non-temporary storage medium storing the above-described program.
Further, the embodiment and modifications described above may be arbitrarily combined and implemented. For example, by combining Embodiment 1 and Modification 2, the server device 100 determines whether or not all information related to the transaction history of the item is registered on the blockchain, and whether or not the certificate of the item is registered on the blockchain. Depending on whether or not, the loan amount to the user may be changed.
Further, in the above-described embodiments and the like, the server device 100 generates a screen, transmits the screen to the client device and the like, and displays the screen on the client device and the like. However, the server device 100 may generate data for generating a screen, transmit the data to the client device or the like, and the client device or the like that receives the data may generate and display a screen based on the data. These are also included in screen display control by the server device 100 .
In the above-described embodiment, an item was used as an example. However, the above-described processing and the like can be applied to actual real estate and the like instead of items. If the target is real estate, what is registered on the blockchain is, for example, the information on the certified copy of the real estate register.
In addition, in the above-described embodiments and the like, quality has been described as an example, but the processing of the information processing system 1000 described above can be applied not only to quality, but also to those who execute loans with items as collateral.

Finally, while various embodiments of the invention have been described, these have been presented by way of example and are not intended to limit the scope of the invention. The novel embodiments can be embodied in various other forms, and various omissions, replacements, and modifications can be made without departing from the scope of the invention. Embodiments and modifications thereof are included in the scope and gist of the invention, and are included in the scope of the invention described in the claims and equivalents thereof.

100: server device 110: client device 150: network 201: control unit 202: storage unit 203: communication unit 301: control unit 302: storage unit 303: imaging unit 304: input/output unit 305: communication unit 500: list screen 501: Item 502 : Button 600 : Screen 601 : Captured image 602 : Forehead 603 : Button 710 : Repair button 810 : Information 1000 : Information processing system

Claims (19)

An information processing device,
having a control unit,
The control unit
Determining the amount of money to be lent to the user based on the user's item valuation and blockchain information, which is information about the transaction history of the item ;
the item is a digital asset;
Information processing equipment. An information processing device,
having a control unit,
The control unit
Determining the amount of money to be lent to the user based on the appraisal value of the user's item and blockchain information, which is information about the provenance of the item;
the item is a digital asset;
Information processing equipment . An information processing device,
having a control unit,
The control unit
Determining the amount of money to be lent to the user based on the appraisal value of the user's item and blockchain information, which is the information of the seller who sold the item,
the item is a digital asset;
Information processing equipment . An information processing device,
having a control unit,
The control unit
Determining the amount of money to be granted to the user based on the user's item valuation and blockchain information that is information about the transaction history of the certificate of the item ;
the item is a real asset;
Information processing equipment. An information processing device,
having a control unit,
The control unit
Determining the amount of money to be granted to the user based on the appraisal value of the user's item and blockchain information that is information about the provenance of the certificate of the item;
the item is a real asset;
Information processing equipment . An information processing device,
having a control unit,
The control unit
Determining the amount of money to be given to the user based on the appraisal value of the user's item and blockchain information that is the information of the issuer who issued the certificate of the item;
the item is a real asset;
Information processing equipment . In the information processing apparatus according to any one of claims 1 to 6 ,
The control unit
Determining the amount of money to lend to the user based on the valuation of the item designated as collateral by the user and the information on the blockchain;
Information processing equipment. In the information processing apparatus according to any one of claims 1 to 6 ,
The control unit
controlling to display a screen containing the determined amount of money;
Information processing equipment. In the information processing apparatus according to any one of claims 4 to 6 ,
The control unit
When receiving information indicating that a defect exists in the item, controlling to display a button requesting repair of the defect on the screen including the amount of money .
Information processing equipment. In the information processing apparatus according to any one of claims 4 to 6 ,
The control unit
When information indicating that the item has a defect is received , control is performed to display information regarding the evaluation amount of the item when the defect is repaired on a screen including the amount of money .
Information processing equipment. In the information processing apparatus according to any one of claims 1 to 6 ,
The amount of money lent to the user is the amount of crypto assets lent to the user,
Information processing equipment. In the information processing apparatus according to any one of claims 1 to 6 ,
Control to display a screen for soliciting loans from the user, including the determined amount of money to be lent to the user;
Information processing equipment. An information processing method executed by an information processing device,
Determining the amount of money to be lent to the user based on the user's item valuation and blockchain information, which is information about the transaction history of the item ;
the item is a digital asset;
Information processing methods. An information processing method executed by an information processing device,
Determining the amount of money to be lent to the user based on the appraisal value of the user's item and blockchain information, which is information about the provenance of the item;
the item is a digital asset;
Information processing methods . An information processing method executed by an information processing device,
Determining the amount of money to be lent to the user based on the appraisal value of the user's item and blockchain information, which is the information of the seller who sold the item,
the item is a digital asset;
Information processing methods .
An information processing method executed by an information processing device,
Determining the amount of money to be granted to the user based on the user's item valuation and blockchain information that is information about the transaction history of the certificate of the item ;
the item is a real asset;
Information processing methods. An information processing method executed by an information processing device,
Determining the amount of money to be granted to the user based on the appraisal value of the user's item and blockchain information that is information about the provenance of the certificate of the item;
the item is a real asset;
Information processing methods . An information processing method executed by an information processing device,
Determining the amount of money to be given to the user based on the appraisal value of the user's item and blockchain information that is the information of the issuer who issued the certificate of the item;
the item is a real asset;
Information processing methods . a program,
A program for causing a computer to function as a control unit of the information processing apparatus according to any one of claims 1 to 6

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