JP7256321B1 - Information processing device, information processing method and program - Google Patents

Abstract

An object of the present invention is to allow a user to receive a local digital currency with a simple procedure. Kind Code: A1 An information processing apparatus 1 that controls the distribution of predetermined assets that are electronically managed. a receiving unit 131 for receiving a transfer request including user identification information of a user who makes a payment and a payment amount; When the determination unit 132 determines that the predetermined asset can be used for settlement, the second determination unit 133 determines whether or not the predetermined asset can be granted to the user, and the second determination unit 133 can grant the user the predetermined asset. and a payment processing unit 134 for transferring a predetermined asset corresponding to the amount of money equivalent to the payment amount to the account of the store of the other party of the payment when it is determined that the payment is made. [Selection drawing] Fig. 2

Description

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

A system is known in which the national government, local governments, etc. issue pensions and public assistance payments to beneficiaries to beneficiaries as local digital currency, which can be used by electronic payment (see, for example, Patent Document 1). .

JP 2018-195224 A

In order to receive such local digital currency, it is necessary for the user to specify a receiving method and to perform identity verification. However, if the amount of the Community Digital Currency to be paid is not large enough, there is a problem that users will avoid receiving the Community Digital Currency due to the complicated procedure, and the frequency of using the Community Digital Currency will decrease. can occur.

Accordingly, the present invention has been made in view of these points, and it is an object of the present invention to enable users to receive local digital currency with a simple procedure.

An information processing apparatus according to a first aspect of the present invention is an information processing apparatus that controls the distribution of predetermined electronically managed assets, and includes a transfer request including user identification information of a user who makes a payment and a payment amount. a first determination unit that determines whether the predetermined asset can be used for the payment corresponding to the transfer request; and the first determination unit determines that the predetermined asset can be used for the payment. a second determination unit that determines whether or not the predetermined asset can be granted to the user, and if the second determination unit determines that the predetermined asset can be granted to the user, it corresponds to the settlement amount and a payment processing unit that transfers the predetermined asset corresponding to the amount to an account of the store of the counterparty of the payment.

The transfer request further includes store identification information for identifying a store where the user makes a payment, and the first determination unit determines whether the store indicated by the store identification information is a predetermined store designated as a store where the predetermined asset can be used. store, it may be determined that the predetermined asset can be used for settlement corresponding to the transfer request.

When the second determination unit determines that the predetermined asset can be given to the user, the predetermined asset equivalent to a predetermined amount is transferred from the account of the organization issuing the predetermined asset to the user's account. The payment processing unit may transfer the predetermined asset corresponding to the payment amount from the user's account to the store's account.

a storage unit that stores user ledger information that associates the user identification information with an address of the user corresponding to the user identification information; When the address of the user corresponding to the information in the user ledger information is a predetermined address designated as the address of the user to whom the predetermined asset is to be granted, it is determined that the predetermined asset can be granted to the user. may

The storage unit stores the user ledger information further associated with the user identification information and a given flag indicating whether or not the predetermined asset has been given to the user corresponding to the user identification information, (1) when the address of the user corresponding to the user identification information included in the transfer request in the user ledger information is the predetermined address, and (2) when the transfer request If the granted flag corresponding to the included user identification information in the user ledger information indicates that the predetermined asset has not been granted to the user, determining that the predetermined asset can be granted to the user, The information processing device transfers the predetermined asset equivalent to a predetermined amount from the account of the organization that issues the predetermined asset to the user's account, and notifies the user that the predetermined asset has been granted. and a granting unit for storing in the user ledger information stored in the storage unit, the settlement processing unit transferring the predetermined asset corresponding to the settlement amount from the account of the user to the settlement may be transferred to the account of the other party's store.

further comprising a storage unit that stores user ledger information that associates the user identification information with personal identification information of a user corresponding to the user identification information that is different from the user identification information; The second determination unit inquires of the external device whether or not the user indicated by the personal identification information corresponding to the user identification information included in the transfer request is a user to whom the predetermined assets are to be granted. , it may be determined whether or not to grant the predetermined asset to the user.

The predetermined assets may be crypto assets whose usable areas are electronically managed.

An information processing method according to a second aspect of the present invention is an information processing method executed by a computer for controlling the distribution of predetermined electronically managed assets, comprising: user identification information of a user who makes a payment; the step of receiving a transfer request containing an amount of money, the step of determining whether the predetermined asset can be used for settlement corresponding to the transfer request, and the step of determining whether the predetermined asset can be used, wherein the predetermined When it is determined that the asset can be used for the payment, the predetermined asset is granted to the user in a step of determining whether or not the predetermined asset can be granted to the user, and in a step of determining whether or not the predetermined asset can be granted. and transferring the predetermined asset corresponding to the amount corresponding to the settlement amount to an account of the store of the other party of the settlement when it is determined that it is possible.

A program according to a third aspect of the present invention is a program, which is executed by a computer and controls the distribution of a predetermined asset that is electronically managed, and includes user identification information of a user who makes a payment and a payment amount. the step of receiving a transfer request, the step of determining whether the predetermined asset can be used for settlement corresponding to the transfer request, and the step of determining whether the predetermined asset can be used for the settlement. If it is determined that the predetermined asset can be given to the user, and in the step of determining whether the predetermined asset can be given to the user, it is determined that the predetermined asset can be given to the user and transferring the predetermined asset corresponding to the amount equivalent to the settlement amount to an account of the store of the other party of the settlement.

ADVANTAGE OF THE INVENTION According to this invention, it is effective in being able to make a user receive local digital currency by a simple procedure.

BRIEF DESCRIPTION OF THE DRAWINGS It is a figure explaining the outline|summary of the information processing system S concerning embodiment. 2 is a block diagram showing the configuration of the information processing device 1; FIG. 4 is a diagram showing an example of a data structure of user ledger information stored in a storage unit 12; FIG. 4 is a flowchart showing the flow of processing in the information processing apparatus 1; It is a figure explaining the outline|summary of information processing system SA concerning a modification.

[Overview of information processing system S]
FIG. 1 is a diagram illustrating an overview of an information processing system S according to an embodiment. The information processing system S is a system for managing crypto assets, distributing them, and conducting transactions using crypto assets. The information processing system S has an information processing device 1 , a payment server 2 , an information terminal 3 and a shop terminal 4 .

The information processing device 1 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. Crypto assets are not limited to blockchains, and may be electronic assets managed by a database or the like.

In this embodiment, crypto assets are, for example, regional digital currencies that can be used in a predetermined region. The area where the local digital currency can be used is electronically managed by the information processing device 1 . 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.

The information processing device 1 manages the crypto-asset owned by each user in the crypto-asset account associated with the user. For example, the information processing device 1 transfers cryptographic assets from a user's cryptographic asset account to another user's (store) cryptographic asset account in response to a transfer request received from the payment server 2 .

The settlement server 2 is a computer for making payments using crypto assets. For example, in response to receiving a payment request from the information terminal 3 used by the user, the payment server 2 transmits a transfer request to the information processing device 1 to transfer the crypto assets corresponding to the amount to be paid.

The information terminal 3 is a computer used by a user. Users trade products and services using crypto assets. The information terminal 3 is, for example, a smart phone, a tablet terminal, or a personal computer. The information terminal 3 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 (not shown).

The store terminal 4 is a terminal used by a store, a product seller, or a service provider. The store terminal 4 is, for example, a POS (Point of Sales) cash register, a smart phone, a tablet terminal, or a personal computer. Although the information terminal 3 and the store terminal 4 will be described separately, the user of the store terminal 4 may request payment as the user of the information terminal 3 .

The following description is based on the premise that the crypto-assets are local digital currencies, but the embodiments of the present invention are not limited to this.

By the way, for the purpose of revitalizing regional economic activities, entities such as the national government, local governments, organizations, companies, etc. that issue and operate local currencies (hereinafter referred to as issuers, etc.) It is conceivable to give the local digital currency to users and stores as benefits, and encourage the users and stores to use the local digital currency. Here, if the procedure for receiving the grant of the local digital currency is complicated for the user or the store, the user may avoid the procedure. As a result, the local digital currency will not circulate sufficiently, and the problem that the purpose of granting the local digital currency cannot be fully achieved may arise. Therefore, there is a need for a method of granting local digital currency to users with a simple procedure.

A description will be given of the flow of processing in the information processing system S for granting cryptocurrency to the user and completing the payment with the payment as a trigger. The information terminal 3 transmits a payment request to the payment server 2 ((1) in FIG. 1). The payment request is a message requesting payment to the payment server 2 . The payment request includes user identification information (also referred to as user ID (Identification)) of the user who makes the payment, store identification information (also referred to as store ID) for identifying the store of the other party of the payment, and payment amount. The payment request may include information indicating the product or service to be traded.

The settlement server 2 transmits a transfer request to the information processing device 1 ((2) in FIG. 1). A transfer request is a message requesting the transfer of the local digital currency. The transfer request includes the user ID of the user who makes the payment, the shop ID of the other party of the payment, and the amount of payment. The transfer request may include information indicating the product or service to be traded.

The information processing device 1 determines whether or not the local digital currency can be used ((3) in FIG. 1). As an example, the information processing device 1 determines whether or not the store indicated by the store ID included in the transfer request supports settlement using the local digital currency. The information processing device 1 determines whether or not the local digital currency can be granted ((4) in FIG. 1). Specifically, the information processing device 1 determines whether or not the user indicated by the user ID included in the transfer request is a user to whom the local digital currency is to be granted.

If the local digital currency can be given, the information processing device 1 transfers the local digital currency ((5) in FIG. 1). Specifically, the information processing device 1 transfers an amount of local digital currency equivalent to the payment amount to the account of the other party of the payment, and the amount given to the user after deducting the amount transferred to the other party's account of regional digital currency to the user's account.

The information processing device 1 transmits a transfer completion notification to the settlement server 2 ((6) in FIG. 1). The transfer completion notice is a notice indicating that the transfer of assets has been completed. The payment server 2 transmits a payment completion notice to the information terminal 3 ((7) in FIG. 1). The settlement server 2 transmits a settlement completion notification to the store terminal 4 ((8) in FIG. 1).

By configuring the information processing system S in this way, there is an effect that the user can receive the local digital currency with a simple procedure.

In the above description, the information terminal 3 transmits a payment request to the payment server 2 as an example. An information processing system S may be configured.

[Configuration of information processing device 1]
FIG. 2 is a block diagram showing the configuration of the information processing device 1. As shown in FIG. The information processing device 1 has a communication section 11 , a storage section 12 and a control section 13 . The control unit 13 has a receiving unit 131 , a first determination unit 132 , a second determination unit 133 , a settlement processing unit 134 and a granting unit 135 .

The communication unit 11 is a communication interface for transmitting and receiving data to and from other devices such as the payment server 2 via a network.

The storage unit 12 is a storage medium including ROM (Read Only Memory), RAM (Random Access Memory), SSD (Solid State Drive), hard disk drive, and the like. The storage unit 12 stores programs executed by the control unit 13 in advance. The storage unit 12 stores the account managing the local digital currency of each of a plurality of users in association with the user's ID.

The storage unit 12 stores user ledger information that associates user IDs with addresses of users corresponding to the user IDs. FIG. 3 is a diagram showing an example of the data structure of user ledger information stored in the storage unit 12. As shown in FIG. In the user ledger information shown in FIG. 3, the "user ID", the "assigned flag", and the "resident information" are associated. A “user ID” is an ID given by a business operator that provides a settlement service to identify a user. The “granted flag” is information indicating whether or not a predetermined asset has been granted to the user corresponding to the user ID. "Resident information" includes "personal identification information", "name", "address", and "date of birth". "Individual identification information" is an ID given to uniquely identify a resident of a municipality, such as a personal number.

The user ledger information shown in FIG. 3 may be information that associates "resident information" and user IDs obtained by cooperating with a server that manages the basic resident ledger.

Note that the user ledger information may be, for example, information that associates a user ID with an address of a user whose identity has been verified based on an identification card (for example, a customer management database of a communication carrier or the like).

The control unit 13 is a processor such as a CPU (Central Processing Unit), for example. The control unit 13 functions as a receiving unit 131 , a first determination unit 132 , a second determination unit 133 , a settlement processing unit 134 and a granting unit 135 by executing programs stored in the storage unit 12 .

The receiving unit 131 receives a transfer request including the user ID of the user who makes the payment and the payment amount. The receiving unit 131 receives a transfer request from the shop terminal 4 . The receiving unit 131 may receive the transfer request from the information terminal 3 .

The first determination unit 132 determines whether or not a predetermined asset can be used for settlement corresponding to the transfer request. The first determination unit 132 may determine whether or not the local digital currency can be used based on the store ID, as will be described later. The first determination unit 132 may determine whether or not the local digital currency can be used based on the payment date or the user ID, payment amount, transaction target product, or transaction target service included in the transfer request.

When the first determination unit 132 determines that the predetermined asset can be used for payment, the second determination unit 133 determines whether or not the predetermined asset can be given to the user. As will be described later, the second determination unit 133 may determine whether or not to grant the regional digital currency based on the address of the user who makes the payment, or the storage unit 12 may determine whether the account associated with the user ID of the user who makes the payment. Whether or not to grant the regional digital currency may be determined based on whether or not the .

When the second determination unit 133 determines that the predetermined assets can be given to the user, the settlement processing unit 134 transfers the predetermined assets corresponding to the settlement amount to the account of the store of the other party of the settlement. When the second determination unit 133 determines that the regional digital currency can be given to the user, the payment processing unit 134 assigns an amount of the regional digital currency equivalent to the payment amount out of the amount of the regional digital currency given to the user to the issuer. etc. to the other party's account. The granting unit 135 transfers the amount obtained by deducting the amount corresponding to the settlement amount from the amount of the regional digital currency granted to the user from the account of the issuer or the like to the account of the user. As an example, the payment processing unit 134 may refer to the exchange rate between the legal currency and the local digital currency to calculate the amount of the local digital currency equivalent to the payment amount. A predetermined amount may be determined for the amount of the regional digital currency to be given. Also, the amount of the regional digital currency to be granted may be calculated by multiplying a predetermined amount set in legal currency units as the grant amount by the exchange rate between the legal currency and the regional digital currency.

By configuring the information processing device 1 in this way, it is possible to make the user receive the local digital currency with a simple procedure.

[Grant processing]
Information to transfer the Community Digital Currency from the User's account to the other party of the payment after transferring the amount of the Community Digital Currency granted to the User's account when it is determined that the Community Digital Currency is to be granted. A processing device 1 may be configured.

When the second determination unit 133 determines that the predetermined asset can be granted to the user, the granting unit 135 transfers the predetermined asset equivalent to the predetermined amount from the account of the organization that issues the predetermined asset to the user's account. Let When it is determined that a predetermined amount of the regional digital currency is to be granted, the granting unit 135 determines the amount of the regional digital currency to be granted to the user from the issuer's account to the user's account. Transfer local digital currency. In other words, the granting unit 135 subtracts the amount of the local digital currency to be granted to the user from the issuer's account, and adds the amount of the local digital currency subtracted from the issuer's account to the user's account.

The payment processing unit 134 transfers a predetermined asset corresponding to the payment amount from the user's account to the store's account. The payment processing unit 134 transfers an amount of the local digital currency equivalent to the payment amount from the account of the user after transferring the amount of the local digital currency granted to the user from the account of the issuer, etc. move to. In other words, the payment processing unit 134 subtracts the amount of the local digital currency equivalent to the payment amount from the user's account after adding the amount of the local digital currency granted to the user, and subtracts the amount from the user's account. add the local digital currency to the account of the store of the other party of the payment.

[Determination process]
Determining whether or not a regional digital currency can be used will be explained. Whether or not the local digital currency can be used can be determined by various methods, and as an example, it may be configured to be determined based on the address of the store of the other party of the payment.

The first determination unit 132 determines that the predetermined asset can be used for settlement corresponding to the transfer request when the store indicated by the store ID is a predetermined store designated as a store that can use the predetermined asset. Specifically, the storage unit 12 stores a store table that stores store IDs of stores that can use the local digital currency. When the store ID included in the transfer request is included in the store table, the first determination unit 132 determines that the local digital currency can be used.

The first determination unit 132 specifies the address of the store corresponding to the store ID, and if the specified store address is the address specified as the address of the store that can use the local digital currency, the local digital currency is used. may be determined to be possible. In this case, the storage unit 12 stores a table that associates store IDs with store addresses, and also stores a list of addresses where the local digital currency can be used.

The processing for determining whether or not to grant the regional digital currency will be described. Various methods are conceivable as a method of determining whether or not to grant to the user. As an example, the information processing apparatus 1 may be configured so that determination is made based on the address of the user who makes the payment.

If the address of the user corresponding to the user ID included in the transfer request in the user ledger information is the predetermined address specified as the address of the user to whom the predetermined assets are to be granted, the second determination unit 133 assets can be granted. Specifically, the second determination unit 133 refers to the user ledger information stored in the storage unit 12 and identifies the address of the user corresponding to the user ID included in the transfer request. The second determination unit 133 determines whether or not the specified address of the user is subject to grant of the local digital currency. As an example, the storage unit 12 stores a list of addresses of users to be granted. Determine that the currency can be given. For example, in the case where users living in a specific municipality are targeted for granting, the storage unit 12 stores a list of addresses of municipalities targeted for granting.

By the way, it is necessary to manage so as not to give duplicate local digital currency to the same user. Therefore, the second determination unit 133 may be configured to determine whether or not the user has been given the local digital currency.

The second determination unit 133 determines that a predetermined asset can be given to the user when the following two conditions are satisfied. The first condition is that the address of the user corresponding to the user ID included in the transfer request in the user ledger information is the predetermined address specified as the address of the user to be assigned. The second condition is that the granted flag corresponding to the user ID included in the transfer request in the user ledger information indicates that the predetermined assets have not been granted to the user.

That is, the second determination unit 133 refers to the user ledger information stored in the storage unit 12, and identifies the user's address and the "assigned flag" corresponding to the user ID included in the transfer request. Then, if the specified address of the user matches the address to be given and the "already given flag" is "not yet", it is determined that the local digital currency can be given to the user.

The granting unit 135 transfers a predetermined asset equivalent to a predetermined amount from the account of the organization that issues the predetermined asset to the user's account, and the storage unit 12 stores that the user has been granted the predetermined asset. stored in the user ledger information. That is, the granting unit 135 transfers the local digital currency to the account of the user, and stores "completed" in the "granted flag" associated with the user ID included in the transfer request in the user ledger information stored in the storage unit 12. Let Then, the payment processing unit 134 transfers a predetermined asset corresponding to the amount of payment from the account of the user to the account of the store of the other party of the payment.

By configuring the information processing device 1 in this way, it is possible to manage so that the same user is not given the local digital currency redundantly.

[Flow of processing in information processing device 1]
FIG. 4 is a flowchart showing the flow of processing in the information processing apparatus 1. As shown in FIG. The flowchart shown in FIG. 4 begins when a transfer request is received. The receiving unit 131 receives the transfer request (S01). The first determination unit 132 determines whether or not the local digital currency can be used for settlement corresponding to the transfer request (S02). If the local digital currency cannot be used for the payment corresponding to the transfer request (NO in S02), the payment processing unit 134 transmits a payment failure response (S09), and the information processing device 1 ends the process.

If the local digital currency can be used for settlement corresponding to the transfer request (YES in S02), the second determination unit 133 determines whether or not the local digital currency can be given to the user (S03).

If the regional digital currency can be granted (YES in S03), it is checked whether the amount of the regional digital currency equivalent to the settlement amount included in the transfer request is equal to or less than the sum of the amount granted to the user and the balance of the user's account. Determine (S04). If the amount of local digital currency equivalent to the settlement amount included in the transfer request is greater than the amount granted and the balance of the user's account (NO in S04), the settlement processing unit 134 transmits a settlement failure response ( S09), the information processing apparatus 1 terminates the process.

If the amount of the local digital currency equivalent to the settlement amount included in the transfer request is equal to or less than the amount to be granted and the account balance of the user (YES in S04), the granting unit 135 transfers a predetermined amount of the local digital currency to the user. (S05). The payment processing unit 134 transfers an amount of local digital currency corresponding to the payment amount to the account of the other party of the payment (S06). Then, the payment processing unit 134 transmits a payment completion response to the payment server 2 (S07), and ends the process.

If the regional digital currency cannot be granted (NO in S03), it is determined whether or not the settlement amount included in the transfer request is equal to or less than the user's account balance (S08). If the settlement amount included in the transfer request is equal to or less than the user's account balance (YES in S08), the information processing device 1 advances the process to S06. If the settlement amount included in the transfer request is greater than the user's account balance (NO in S08), the information processing device 1 advances the process to S09.

As described above, when the information processing device 1 receives a transfer request requesting settlement using the regional digital currency, it determines whether or not the regional digital currency can be used for the settlement corresponding to the transfer request. If it is judged that it can be used for payment, it is judged whether the regional digital currency can be granted to the user, and if it is judged that the regional digital currency can be granted to the user, the amount equivalent to the settlement amount be transferred to the store's account. By configuring the information processing device 1 in this way, it is possible to make the user receive the local digital currency with a simple procedure.

<Modification>
In the above embodiment, whether or not to grant the regional digital currency is determined based on the user ledger information stored in the storage unit 12 of the information processing device 1. However, whether or not to grant the regional digital currency is determined by inquiring of the external device. may be configured as follows. FIG. 5 is a diagram explaining an outline of processing of the information processing system SA according to the modification. The information processing system SA according to the modification further includes a ledger management server 5 . The ledger management server 5 is a server that manages a ledger of resident information.

In the process shown in FIG. 5, the content of the process of determining whether or not to grant the regional digital currency is different from the process (4) in FIG. Specifically, when the availability of the regional digital currency is determined ((3) in FIG. 5), a message is sent to the ledger management server 5 asking whether the regional digital currency can be granted to the user ((4) in FIG. 5). ). The information processing device 1 receives the inquiry result from the ledger management server 5 ((5) in FIG. 5). If the inquiry result received from the ledger management server 5 indicates that the local digital currency can be given to the user, the information processing device 1 transfers the local digital currency ((6) in FIG. 5).

In the information processing apparatus 1A according to the modification, the storage unit 12 stores user ledger information in which the user ID and the personal identification information of the user corresponding to the user ID, which is different from the user ID, are associated with each other. do.

The second determination unit 133 inquires of the external device whether or not the user indicated by the personal identification information corresponding to the user ID included in the transfer request is a user to whom predetermined assets are to be granted. determine whether or not to grant assets. The second determination unit 133 refers to the user ledger information stored in the storage unit 12 and identifies personal identification information corresponding to the user ID included in the transfer request. Then, the second determination unit 133 transmits a message to the ledger management server 5 asking whether the local digital currency may be given to the user indicated by the specified personal identification information.

If the message returned from the ledger management server 5 indicates that the user may be given the regional digital currency, the second determination unit 133 determines that the payment processing unit 134 Transfer the amount of local digital currency equivalent to the settlement amount from the issuer's account to the settlement counterparty's account. The granting unit 135 transfers the amount obtained by deducting the amount corresponding to the settlement amount from the amount of the regional digital currency granted to the user from the account of the issuer or the like to the account of the user.

In the information processing device 1A according to the modified example, it is possible to allow an external device to determine whether or not the local digital currency should be granted to the user, so that the information processing device 1A can be configured simply.

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.

1 information processing device 2 payment server 3 information terminal 4 store terminal 5 ledger management server 11 communication unit 12 storage unit 13 control unit 131 reception unit 132 first determination unit 133 second determination unit 134 payment processing unit 135 addition unit

Claims (8)

An information processing device that controls the distribution of predetermined assets that are electronically managed,
a storage unit that stores user ledger information that associates user identification information with personal identification information of a user that corresponds to the user identification information and that is different from the user identification information;
a receiving unit for receiving a transfer request including user identification information of a user who makes a payment, a payment amount, and shop identification information for identifying a shop where the user makes the payment ;
a first determination unit that determines whether the predetermined asset can be used for settlement corresponding to the transfer request;
a second determination unit that determines whether or not the predetermined asset can be granted to the user when the first determination unit determines that the predetermined asset can be used for the payment;
Settlement processing for transferring the predetermined assets corresponding to the amount equivalent to the settlement amount to an account of the store of the counterparty of the settlement when the second determination unit determines that the predetermined assets can be given to the user. Department and
has
The first determination unit determines that the predetermined asset can be used for settlement corresponding to the transfer request when the store indicated by the store identification information is a predetermined store designated as a store that can use the predetermined asset. determined to be
The second determination unit inquires of the external device whether or not the user indicated by the personal identification information corresponding to the user identification information included in the transfer request is a user to whom the predetermined assets are to be granted. , determining whether or not to grant the predetermined asset to the user;
Information processing equipment. When the second determination unit determines that the predetermined asset can be given to the user, the predetermined asset equivalent to a predetermined amount is transferred from the account of the organization issuing the predetermined asset to the user's account. It further has an imparting part that causes
The payment processing unit transfers the predetermined asset corresponding to the payment amount from the user's account to the store's account.
The information processing device according to claim 1 . An information processing device that controls the distribution of predetermined assets that are electronically managed,
a storage unit that stores user ledger information that associates user identification information with an address of a user corresponding to the user identification information;
a receiving unit for receiving a transfer request including user identification information of a user who makes a payment, a payment amount, and shop identification information for identifying a shop where the user makes the payment;
a first determination unit that determines whether the predetermined asset can be used for settlement corresponding to the transfer request;
a second determination unit that determines whether or not the predetermined asset can be granted to the user when the first determination unit determines that the predetermined asset can be used for the payment;
Settlement processing for transferring the predetermined assets corresponding to the amount equivalent to the settlement amount to an account of the store of the counterparty of the settlement when the second determination unit determines that the predetermined assets can be given to the user. Department and
has
The first determination unit determines that the predetermined asset can be used for settlement corresponding to the transfer request when the store indicated by the store identification information is a predetermined store designated as a store that can use the predetermined asset. determined as
The second determination unit determines that an address of the user corresponding to the user identification information included in the transfer request in the user ledger information is a predetermined address designated as an address of the user to whom the predetermined assets are to be granted. when determining that the predetermined asset can be granted to the user;
Information processing equipment. The storage unit stores the user ledger information further associated with the user identification information and a given flag indicating whether or not the predetermined asset has been given to the user corresponding to the user identification information,
The second determination unit
(1) when the address of the user corresponding to the user identification information included in the transfer request in the user ledger information is the predetermined address;
(2) when the granted flag corresponding to the user identification information included in the transfer request in the user ledger information indicates that the predetermined asset has not been granted to the user;
determining that the predetermined asset can be granted to the user;
The information processing device transfers the predetermined asset equivalent to a predetermined amount from the account of the organization that issues the predetermined asset to the user's account, and notifies the user that the predetermined asset has been granted. , further comprising a granting unit for storing in the user ledger information stored in the storage unit,
The payment processing unit transfers the predetermined assets corresponding to the amount of the payment from the account of the user to the account of the store of the other party of the payment.
The information processing apparatus according to claim 3 . The predetermined asset is a crypto asset whose usable area is electronically managed,
The information processing apparatus according to any one of claims 1 to 4 . The user identification information is identification information given by a business operator that provides a predetermined payment service to identify the user,
The personal identification information is identification information given to uniquely identify residents of the municipality,
The information processing apparatus according to claim 1 or 2. A computer-executed information processing method for controlling the distribution of predetermined electronically managed assets,
receiving a transfer request including user identification information of a user who makes a payment, a payment amount, and shop identification information for identifying a shop where the user makes the payment ;
determining availability of the predetermined asset for settlement corresponding to the transfer request;
In the step of determining whether or not the predetermined asset can be used, if it is determined that the predetermined asset can be used for the settlement, determining whether or not the predetermined asset can be granted to the user;
If it is determined that the predetermined asset can be granted to the user in the step of determining whether the predetermined asset can be granted, the predetermined asset corresponding to the amount equivalent to the settlement amount is transferred to the store of the settlement counterparty. transferring to an account;
has
In the step of judging availability, if the store indicated by the store identification information is a predetermined store designated as a store where the predetermined asset can be used, the predetermined asset is used for settlement corresponding to the transfer request. is available, and
In the step of determining whether or not to grant, user ledger information that associates user identification information with personal identification information of a user corresponding to the user identification information and different from the user identification information is generated. referring to the stored storage unit and inquiring of the external device whether or not the user indicated by the personal identification information corresponding to the user identification information included in the transfer request is a user to whom the predetermined assets are to be granted; to determine whether or not the predetermined asset can be granted to the user;
Information processing methods. A computer-executable program for controlling the distribution of predetermined electronically managed assets,
receiving a transfer request including user identification information of a user who makes a payment, a payment amount, and shop identification information for identifying a shop where the user makes the payment ;
determining availability of the predetermined asset for settlement corresponding to the transfer request;
In the step of determining whether or not the predetermined asset can be used, if it is determined that the predetermined asset can be used for the settlement, determining whether or not the predetermined asset can be granted to the user;
If it is determined that the predetermined asset can be granted to the user in the step of determining whether the predetermined asset can be granted, the predetermined asset corresponding to the amount equivalent to the settlement amount is transferred to the store of the settlement counterparty. transferring to an account;
has
In the step of judging availability, if the store indicated by the store identification information is a predetermined store designated as a store where the predetermined asset can be used, the predetermined asset is used for settlement corresponding to the transfer request. is available, and
In the step of determining whether or not to grant, user ledger information that associates user identification information with personal identification information of a user corresponding to the user identification information and different from the user identification information is generated. referring to the stored storage unit and inquiring of the external device whether or not the user indicated by the personal identification information corresponding to the user identification information included in the transfer request is a user to whom the predetermined assets are to be granted; to determine whether or not the predetermined asset can be granted to the user;
program .

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