JP2022025718A - Credit Inquiry Method and Credit Inquiry System - Google Patents

Abstract

To provide a credit inquiry method and a credit inquiry system which are new and useful and capable of appropriately and industrially usefully performing credit inquiries for digital currencies.SOLUTION: A transaction device for performing credit inquiries and a credit server that stores credit information are communicably connected through a communication line. The transaction device has means for transmitting an address of a digital currency on a block chain network to the credit server. The credit server previously stores the credit information corresponding to the address. With the use of a credit inquiry system having means for subjecting the address received from a transaction terminal to processing of the credit inquiries, the credit inquiries are performed whether a transaction is possible or not using the credit information when the transaction is performed with the digital currency.SELECTED DRAWING: Figure 1

Description

The present invention relates to a credit inquiry method, a credit inquiry system or a program applied thereto.

Conventionally, digital currency (including points) has been given at the time of purchasing a product. In recent years, a system configured to exchange points and money on a management server of a financial institution using electronic money or a dedicated account for points has also been studied (Patent Document 1).
However, while the convenience is improved, there are problems of fraudulent use such as insider trading, money laundering, fraud and misuse of other digital currencies, which impairs the convenience of digital currencies and increases the management burden. However, there has been a long-awaited measure to solve these problems of fraudulent use.

Japanese Unexamined Patent Publication No. 2009-9315

It is an object of the present invention to provide a novel and useful credit inquiry method and credit inquiry system capable of making an appropriate and industrially advantageous credit inquiry for a digital currency.

As a result of diligent studies to achieve the above object, the present inventors use credit information at the time of a transaction to make a credit inquiry as to whether or not the transaction is possible. Correspondingly, if the credit information is stored in advance and the address stored on the blockchain network is attached to the processing of the credit inquiry at the time of the transaction, the digital currency can be appropriately and industrially advantageous. We have found that it is possible to conduct transactions, and have found that such a credit inquiry method and credit inquiry system can solve the above-mentioned conventional problems at once.
In addition, after obtaining the above findings, the present inventors have further studied and completed the present invention.

That is, the present invention relates to the following invention.
[1] A credit inquiry method for making a credit inquiry as to whether or not the transaction is possible using the credit information at the time of a transaction, and a step of storing the credit information in advance corresponding to an address of a digital currency. , A credit inquiry method comprising the step of subjecting the address stored on the blockchain network to the processing of the credit inquiry at the time of the transaction.
[2] The credit inquiry method according to the above [1], wherein the address is an encrypted address identified by a public key corresponding to a private key.
[3] The process includes the process of transmitting the address from the trading device to the credit server that stores the credit information corresponding to the address of the digital currency from the trading device via the communication line [1] or [2]. ] The credit inquiry method described in.
[4] The credit inquiry method according to the above [3], wherein the credit information includes transaction eligibility conditions.
[5] The credit server has means for extracting the credit information corresponding to the address when receiving the address from the transaction device and subjecting the extracted credit information to the credit processing [3] or [4]. ] The credit inquiry method described in.
[6] The credit server is one of the above [3] to [5] including a database that stores user identification information that identifies a user of the digital currency in correspondence with the address of the digital currency. The credit inquiry method described.
[7] When the credit server receives the address from the transaction device, the credit server extracts the user-specific information corresponding to the address, and then extracts the address corresponding to the extracted user-specific information. The credit inquiry method according to [6], wherein the transaction history corresponding to the extracted address is collected from the blockchain network and used as transaction information, and the transaction information is further subjected to credit processing together with the credit information. ..
[8] The credit inquiry method according to any one of the above [1] to [7], wherein the transaction is an Internet transaction for settlement of goods or services in digital currency.
[9] The credit inquiry method according to any one of the above [1] to [7], wherein the transaction is an internet transaction for exchanging money or a privilege different from the digital currency.
[10] The credit inquiry method according to any one of the above [1] to [9], wherein the digital currency is legal tender.
[11] Whether or not the transaction device for credit inquiry and the credit server that stores credit information are communicably connected via a communication line, and the transaction is possible at the time of transaction. A credit inquiry system for making credit inquiries using the credit information.
The trading device has a means for transmitting the address of a digital currency on the blockchain network to the credit server.
The credit server is a credit inquiry system, characterized in that the credit information is stored in advance corresponding to the address, and the credit server has a means for subjecting the address received from the transaction device to the processing of the credit inquiry.
[12] The credit inquiry system according to the above [11], wherein the address is an encrypted address identified by a public key corresponding to a private key.
[13] The credit inquiry system according to the above [11] or [12], wherein the transaction device is a payment terminal, and the transaction is an Internet transaction for payment of goods or services in digital currency.
[14] The credit inquiry system according to the above [11] or [12], wherein the transaction device is a digital currency exchange management server, and the transaction is an Internet transaction for exchanging money or benefits different from the digital currency. ..
[15] The credit inquiry system according to any one of the above [11] to [14], wherein the credit information includes transaction eligibility conditions.
[16] The credit server is one of the above [11] to [15] including a database that stores user-specific information that identifies a user of the digital currency in correspondence with the address of the digital currency. Described credit inquiry system.
[17] When the credit server receives the address from the transaction device, it extracts the user-specific information corresponding to the address, and then extracts the address corresponding to the extracted user-specific information. The credit inquiry system according to [16], further comprising means for collecting transaction history corresponding to the extracted address from the blockchain network and using it as transaction information, and subjecting the transaction information to credit processing together with the credit information. ..
[18] The credit inquiry system according to any one of the above [11] to [17], wherein the digital currency is legal tender.
[19] A trading device for making a credit inquiry as to whether or not the transaction is possible at the time of a transaction functions as a means for attaching a digital currency address stored on the blockchain to the processing of the credit inquiry. program.
[20] Using credit information, a credit server that makes a credit inquiry as to whether or not the transaction is possible at the time of a transaction is used for processing the credit inquiry using a digital currency address stored on the blockchain. A program that functions as a means of attaching.

According to the credit inquiry method and the credit inquiry system of the present invention, it is possible to perform a credit inquiry of a digital currency appropriately and industrially.

It is a figure which shows an example of a preferable embodiment of the credit inquiry system of this invention. It is a database of credit information, and is a figure schematically showing an example of an embodiment of credit information preferably used in the present invention. It is a database of transaction information, and is a figure schematically showing an example of an embodiment of transaction information preferably used in the present invention. It is a schematic diagram which shows an example of the embodiment of the payment terminal preferably used in this invention as a functional block diagram. It is a figure which shows typically the flowchart of the credit inquiry processing which is carried out preferably in this invention. It is a figure which shows an example of a preferable embodiment of the credit inquiry system of this invention. It is a figure which shows typically the flowchart of the credit inquiry processing which is carried out preferably in this invention. It is a figure explaining an example of the structure of the blockchain which is preferably used in this invention. It is a figure explaining an example of the transaction structure of the blockchain which is preferably used in this invention. It is a figure explaining an example of the data structure of the transaction of the blockchain which is preferably used in this invention. It is a figure explaining an example of the script of the blockchain transaction preferably used in this invention.

The credit inquiry method of the present invention is a credit inquiry method for making a credit inquiry as to whether or not the transaction is possible by using the credit information at the time of a transaction, and the credit information is referred to in correspondence with an address of a digital currency. It is characterized by including a step of storing in advance and a step of subjecting the address stored on the blockchain network to the processing of the credit inquiry at the time of the transaction.

"Transaction" means economic activity, and the economic activity includes, for example, provision of goods or services at stores, sales offices, etc., and digital currency, money, and other assets at financial institutions, exchanges, etc. Economic activities such as exchanges can be mentioned. In the present invention, it is preferable that the transaction is an Internet transaction for settling goods or services in digital currency, or an Internet transaction for exchanging money or benefits different from the digital currency.
The currency refers to any medium that can be exchanged for any value, and examples of the currency include, but are not limited to, banknotes, coins, foreign exchange, cashier checks, and the like, and various currencies (including digital currencies). Is also included. In the present invention, it is preferable that the currency is a currency approved or issued by the government.
The privilege may be a known privilege given in a product or service without limitation as long as the object of the present invention is not impaired. Examples of the privilege include a privilege used for exchanging a prize or the like (for example, points) and a privilege used for payment of the ballot price (for example, a discount or a discount). In the present invention, it is preferable that the above-mentioned privilege is a point. The points are not particularly limited as long as the object of the present invention is not impaired, and may be known points to be given or the like in commercial transactions. It may or may not have an expiration date.

The “credit inquiry” is not particularly limited as long as it is an inquiry as to whether or not the transaction is possible using credit information at the time of transaction, and includes credit and the like.
The "credit information" is also referred to as credit information, and is not particularly limited as long as it is information that serves as a reference for determining whether or not the transaction is possible in the credit inquiry, and for example, the transaction is possible. Confirmation information and the like for confirming. In the present invention, it is preferable that the credit information includes transaction eligibility conditions because a credit inquiry can be performed more efficiently.

The "digital currency" is not particularly limited as long as it is a unit of value that can be used as a currency for payment for transactions including financial transactions. The digital currency is usually a currency that is electronically generated and stored therein, but may be legal tender or cryptocurrency. The digital currency includes points, electronic money, and virtual currency. In the present invention, it is preferable that the digital currency is a legal tender because it promotes economic activities more appropriately and efficiently and the credit inquiry can be utilized more effectively.

The "address" is an alphanumerical identifier used when transmitting and receiving the digital currency in the blockchain network, and may be a known one. Usually, it is used when designating the transfer source or destination of the digital currency. The address is preferably associated with the private key, more preferably generated from the public key paired with the private key, and the encryption identified by the public key corresponding to the private key. Most preferably it is an address.

The "communication line" is not particularly limited and may be a wireless line or a wired line as long as communication is possible, but it is preferable to include a telephone network or an internet network because bidirectional communication can be performed. ..
The "blockchain network" refers to a network that shares information about a blockchain composed of two or more information processing devices that communicate according to a predetermined communication protocol. A preferred example of a blockchain network is a P2P network.

In the credit inquiry method, is the transaction device for making a credit inquiry and the credit server that stores the credit information communicably connected via a communication line, and is the transaction possible at the time of transaction? A credit inquiry system for making a credit inquiry as to whether or not to use the credit information, and the transaction device has a means for transmitting an address of a digital currency on a blockchain network to the credit server. , The credit server preferably stores the credit information in advance corresponding to the address and uses a credit inquiry system having a means for subjecting the address received from the transaction device to the processing of the credit inquiry. Can be implemented in.

The transaction device is not particularly limited as long as it is a device for credit inquiry, but is usually a device for performing processing related to the transaction using the digital currency, and may be a transaction terminal. As the transaction device, for example, a payment terminal, a digital currency exchange management server, or the like can be mentioned as a preferable example.
The credit server is not particularly limited as long as it is a management server that stores credit information, and may be a management server of the issuer of the digital currency or a management server of a credit company. Normally, when the credit server receives a request for a credit inquiry from the transaction terminal at the time of a transaction, the credit server determines whether or not the transaction is possible based on the credit information, and determines whether the transaction is possible or not, and determines the determination result as the credit inquiry result or the credit inquiry result. It is a server that sends out to the transaction terminal as a credit result. In the present invention, it is preferable that the credit server includes a database that stores user-specific information that identifies a user of the digital currency in correspondence with the address of the digital currency, and the address from the transaction device. Is received, the user-specific information corresponding to the address is extracted, then the address corresponding to the extracted user-specific information is extracted, and then the transaction history corresponding to the extracted address is stored in the blockchain network. It is more preferable to have a means for collecting the transaction information from the above and using the transaction information together with the credit information for credit processing.

FIG. 1 schematically shows an example of a preferred embodiment of the credit reference system of the present invention. The credit inquiry system of FIG. 1 is a transaction between a user terminal 11 of a user who intends to use a digital currency, a credit device (credit server) 12 that accepts a credit inquiry and sends a credit inquiry result, and a user. A payment terminal 13 such as a store or a business office for making a credit inquiry is connected to each other via a communication line 18 including a blockchain network 19 so as to be able to communicate with each other.

The credit device (credit server) 12 has a database in which credit information and transaction information are stored in correspondence with the address. FIG. 2 schematically shows an example of credit information preferably used in the present invention. The credit information in FIG. 2 consists of an address, user ID, nationality, transaction qualification, transaction conditions, transaction restricted area, transaction limit, etc. For example, from the above address, personal information such as user ID or nationality, and transaction. Transaction qualification information such as qualifications, transaction conditions, transaction restricted areas, and transaction limits are associated with each other, and when the address is known, the personal information or the transaction qualification information can be extracted.
FIG. 3 schematically shows an example of transaction information preferably used in the present invention. The transaction information in FIG. 3 consists of an address, transaction date and time, transaction type, transaction amount, customer address, etc., for example, from the above address, transaction history such as transaction date and time, transaction type or transaction amount, and customer address. The business partner information is associated with each other, and when the address is known, the transaction history or the business partner information can be extracted.

The payment terminal 13 is a terminal that is communicably connected to the credit server 12 via a communication line, and is not particularly limited as long as it is a terminal capable of processing payment in the digital currency. However, in the present invention, the communication line 18 is used. It is preferable to include means for transmitting the address stored on the blockchain network 19 to the credit server 12 via the blockchain network 19. Examples of the payment terminal 13 include a management server of a store or a business office, a ticket vending machine, a cash register, and the like. More specifically, as shown in FIG. 4, the payment terminal 13 includes a storage unit 1101, a processing unit 1102, an input unit 1103, an output unit 1104, a display unit 1105, and a communication unit 1106. Etc. are given as a suitable example. That is, the payment terminal 13 is not particularly limited as long as it has a basic configuration of a server or a computer, and may be, for example, a management server of a store or a business store, a ticket vending machine, a cash register, or the like. In the present invention, it is preferable that the payment terminal 13 functions as an SPV client that partially receives and processes the data of the blockchain network 19 from the credit server 12.

In FIG. 4, the processing unit 1102 includes means for performing arithmetic processing such as a CPU. The processing unit 1102 realizes the processing related to the credit inquiry or the like in the present embodiment by executing the credit inquiry program, the settlement program, or the like stored in the storage unit 1101. The storage unit 1101 includes storage means such as a semiconductor memory and a hard disk. The storage unit 1101 is accessiblely connected to the processing unit 1102 and stores data and the like to be used for various processes. The input unit 1103 includes means for inputting information to the payment terminal 11. The input unit 1103 includes, for example, a touch panel or a keyboard that receives input from an employee of a store or the like. Further, the input unit 1103 includes a network interface or the like that receives information from the outside, and receives data to be processed. The output unit 1104 includes means for outputting the information processed by the payment terminal 11. The output unit 1104 includes, for example, a display that presents an image to the administrator. Further, the output unit 1104 includes a network interface and the like for transmitting information and the like to the outside of the payment terminal 11 via the communication line 18. The display unit 1105 is, for example, a display device such as a liquid crystal display or a display panel. The input unit 1103 and the display unit 1105 may be separate bodies or may be configured as an integrated touch panel. The communication unit 1106 is, for example, a communication interface.

FIG. 5 is a diagram schematically showing an example of an information processing flow preferably carried out in the credit inquiry system of FIG. 1. Such information processing is executed, for example, by each function of the payment terminal 13 shown in FIG. 4 executing a predetermined program on the CPU. The user terminal 11 may have the same functions as the payment terminal 13.

In order to enable the use of digital currency, the user transmits the address of the digital currency, user information, and the like to the credit server 12 using the user terminal 11, for example, from the usage registration screen on the Internet (S101). When the credit server 12 receives the digital currency address for use registration, the user information, and the like from the user terminal 11, the credit server 12 creates credit information from the user information (S102), and generates the credit information corresponding to the address. Store in the database (S103).

The user requests payment in digital currency using the user terminal 11 in order to purchase a product or use a service, for example, at an Internet shopping store (S104). When the payment terminal 13 receives a payment request in digital currency from the user terminal 11, the store makes a credit inquiry regarding the transaction (purchase of goods or use of service) to the credit server 12 of the issuer of digital currency or the credit company. , Along with the blockchain customer address, is transmitted from the payment terminal 13 to the credit server 12 (S105). The credit server 12 has a database that stores the credit information of FIG. 2 and the transaction information of FIG. 3, and makes a credit inquiry regarding a transaction (purchase of a product or use of a service) from a payment terminal 13 in a blockchain. When received together with the business partner address of, the credit information corresponding to the address is extracted from the database (S106). Then, transaction information is collected from the user ID of the credit information corresponding to the address (S107), the transaction amount and the like are stored as necessary, and then it is determined from the credit information whether or not the transaction is possible (S108). After the determination, the credit server 12 transmits the determination result as a credit inquiry result to the payment terminal 13 (S109). When the payment terminal 13 receives the credit inquiry result from the credit server 12, it is subjected to the payment process if the credit inquiry result is "transaction possible" (S110), and if the credit inquiry result is "transaction not possible". Creates error information (S111). Then, the payment terminal 13 transmits the payment processing result or error information to the user terminal 11 (S112).

Hereinafter, other preferred embodiments of the present invention will be described. FIG. 6 schematically shows an example of a preferred embodiment of the credit inquiry system of the present invention. The credit inquiry system of FIG. 1 is a digital currency exchange management of a digital currency exchange instead of a payment terminal 13. The difference is that the server 14 and the management server 15 of the financial institution are connected to the communication line 18 including the blockchain network 19. The financial institution is preferably a financial institution of the user, and the management server 15 of the financial institution and the digital currency exchange management server 14 are communicably connected to each other via a communication line 18 to connect with the digital currency. It is configured to enable exchange transactions with the currency and the like. FIG. 7 is a diagram schematically showing an example of an information processing flow preferably carried out in the credit inquiry system of FIG.

In order to enable the use of digital currency, the user transmits the address of the digital currency, user information, and the like to the credit server 12 using the user terminal 11, for example, from the usage registration screen on the Internet (S201). When the credit server 12 receives the digital currency address for use registration, the user information, and the like from the user terminal 11, the credit server 12 creates credit information from the user information (S202), and generates the credit information corresponding to the address. Store in the database (S203).

For example, in order to exchange digital currency for currency, etc. at the digital currency exchange WEB site for Internet transactions, the user uses the user terminal 11 to exchange the digital currency for currency, etc., with the digital currency. A request for exchange with money or the like is transmitted to the digital currency exchange management server 14 (S204). When the digital currency exchange management server 14 receives a request for exchange of digital currency and money from the user terminal 11, the digital currency exchange exchange makes a transaction (with digital currency) to the credit server 12 of the issuer of the digital currency or the credit company. A credit inquiry regarding (exchange for money, etc.) is transmitted from the digital currency exchange management server 14 to the credit server 12 together with the business partner address of the blockchain (S205). The credit server 12 has a database that stores the credit information of FIG. 2 and the transaction information of FIG. 3, and receives a credit inquiry regarding a transaction from the digital currency exchange management server 14 together with a business partner address of the blockchain. Then, the credit information corresponding to the address is extracted from the database (S206). Then, transaction information is collected from the user ID of the credit information corresponding to the address (S207), the transaction amount and the like are stored as necessary, and then it is determined from the credit information whether or not the transaction is possible (S208). After the determination, the credit server 12 transmits the determination result as a credit inquiry result to the digital currency exchange management server 14 (S209). When the digital currency exchange management server 14 receives the credit inquiry result from the credit server 12, if the credit inquiry result is "transactionable", the digital currency exchange management server 14 submits the exchange process (S210) to the management server 15 of the financial institution. For example, the digital currency exchange process (for example, digital currency remittance, etc.) is performed. If the credit inquiry result is "transaction impossible", error information is created (S211). Then, the digital currency exchange management server 14 transmits the exchange processing result or the error information to the user terminal 11 (S212).

Here, a blockchain preferably used in the present invention will be described. In the present invention, the block functions as a transaction database containing information about digital currencies. Specifically, each block contains a list of transactions that are digest data and information about the transaction. The digest data includes a new hash value calculated from the previous block. That is, as shown in FIG. 8, by including the hash value calculated from the information contained in the previous block, each block is stored as a transaction database (blockchain) in a state of being connected like a chain. Will be done. The transaction history database is not only managed by the server, but is also verified and added to the user terminal 11, the payment terminal 13, and the like.

A transaction is data that records the exchange of digital currencies. Transactions include input and output information. The input information is the output information of the transaction when the user who is the exchange source receives the exchange of the digital currency to be traded (identification information that identifies the transaction (transaction hash value, sequence number, etc.)) and use. Includes information to prove that a person owns the digital currency (such as a script that meets the conditions for using the output). The output information includes information such as the type and number of exchanged digital currencies, scripts for using the exchanged digital currencies at the address specifying the exchange destination, and the like.

FIG. 9 shows an example of a blockchain transaction configuration preferably used in the present invention. Digital currencies are represented as transaction history, that is, a collection of transactions that the currency has made so far. Each transaction (currency transaction) is digitally signed with the original owner's encryption key, including the hash value of the previous transaction and the new owner's public key. Information about all transactions is shared throughout the P2P network. Expressing a transaction in this way has the advantage that the currency cannot be transferred by anyone other than the original owner without the permission of the original owner, and that a third party can objectively confirm the transfer of the currency. Have.

FIG. 10 shows an example of a blockchain transaction data structure preferably used in the present invention. The transaction data structure has "output (currency to withdraw)" and "input (currency used for deposit)". Remittance requires the currency (face value) and destination (address) to be given to the other party, and the output is a representation of these. In order to use the currency addressed to you or send money to someone, you must refer to the output of a past transaction, which corresponds to the input in this transaction. Multiple outputs and inputs can be specified in one transaction. In order to send an arbitrary amount of money, it is necessary to collect the output of transactions addressed to you in the past and specify it as the input of the transaction to be performed.

FIG. 11 shows an example of a blockchain transaction script preferably used in the present invention. In the digital currency of FIG. 11, a script describes a transaction including an input source address and an output source address. The transaction shown in the figure means that the digital currency sent from the user to himself in the past is used to send the currency of a predetermined face value to another user. A transaction is given a transaction identifier unique to the transaction, and the hash value of the transaction is usually used. Where multiple outputs can be specified in "Output Script", "Output 2" is a normal description for verifying the digital signature of the input, while "Output 1" is a description for adding a byte array. be. The script provides a code called "OP_RETURN", which, like a typical programming return, stops the script when it comes to it and does not allow references to its output. Then, if a byte array is added using "OP_PUSHDATA" following "OP_RETURN", "output 1" can be used as a byte array description field without adversely affecting the digital signature. Since there is an upper limit to the number of bytes in the byte array that can be added using "OP_PUSHDATA", it is a condition that the hash value is used for files and the upper limit is not exceeded for text messages.

By configuring as described above, a transaction device for making a credit inquiry as to whether or not the transaction is possible at the time of a transaction is provided, and a digital currency address stored on the blockchain is used for processing the credit inquiry. A digital currency stored on the blockchain that can function as a means to attach to a credit server and makes a credit inquiry as to whether or not the transaction is possible at the time of transaction using credit information. The address can be made to function as a means for processing the credit inquiry.

The credit reference method, credit reference system, or program applied thereto of the present invention is particularly useful for utilizing payment in digital currency.

11 User terminal 12 Credit device (credit server)
13 Payment terminal 14 Digital currency exchange management server 15 Financial institution management server 18 Communication line 19 Blockchain network 1101 Storage unit 1102 Processing unit 1103 Input unit 1104 Output unit 1105 Display unit 1106 Communication unit

Claims (20)

This is a credit inquiry method for making a credit inquiry as to whether or not the transaction is possible using the credit information at the time of a transaction, and includes a step of storing the credit information in advance corresponding to an address of a digital currency and the transaction. A credit inquiry method comprising a step of subjecting the address stored on the blockchain network to the processing of the credit inquiry. The credit inquiry method according to claim 1, wherein the address is an encrypted address identified by a public key corresponding to a private key. The credit inquiry according to claim 1 or 2, wherein the process includes a process of transmitting the address from a trading device to a credit server that stores credit information corresponding to the address of the digital currency via a communication line. Method. The credit inquiry method according to claim 3, wherein the credit information includes transaction eligibility conditions. The credit inquiry according to claim 3 or 4, wherein when the credit server receives the address from the transaction device, the credit information corresponding to the address is extracted and the extracted credit information is subjected to credit processing. Method. The credit inquiry method according to any one of claims 3 to 5, wherein the credit server includes a database that stores user-specific information that identifies a user of the digital currency in correspondence with an address of the digital currency. When the credit server receives the address from the transaction device, the credit server extracts the user-specific information corresponding to the address, then extracts the address corresponding to the extracted user-specific information, and then extracts the extracted information. The credit inquiry method according to claim 6, further comprising means for collecting transaction history corresponding to an address from the blockchain network and using it as transaction information, and subjecting the transaction information to credit processing together with the credit information. The credit inquiry method according to any one of claims 1 to 7, wherein the transaction is an internet transaction for settling goods or services in digital currency. The credit inquiry method according to any one of claims 1 to 7, wherein the transaction is an internet transaction for exchanging money or benefits different from the digital currency. The credit inquiry method according to any one of claims 1 to 9, wherein the digital currency is legal tender. A transaction device for making a credit inquiry and a credit server that stores credit information are communicably connected via a communication line, and a credit inquiry is made as to whether or not the transaction is possible at the time of transaction. , A credit inquiry system for using the credit information.
The trading device has a means for transmitting the address of a digital currency on the blockchain network to the credit server.
The credit server is a credit inquiry system, characterized in that the credit information is stored in advance corresponding to the address, and the credit server has a means for subjecting the address received from the transaction device to the processing of the credit inquiry. The credit inquiry system according to claim 11, wherein the address is an encrypted address identified by a public key corresponding to a private key. The credit inquiry system according to claim 11 or 12, wherein the transaction device is a payment terminal, and the transaction is an Internet transaction for payment of goods or services in digital currency. The credit inquiry system according to claim 11 or 12, wherein the transaction device is a digital currency exchange management server, and the transaction is an Internet transaction for exchanging money or benefits different from the digital currency. The credit inquiry system according to any one of claims 11 to 14, wherein the credit information includes transaction eligibility conditions. The credit inquiry system according to any one of claims 11 to 15, wherein the credit server includes a database that stores user-specific information that identifies a user of the digital currency in correspondence with an address of the digital currency. When the credit server receives the address from the transaction device, the credit server extracts the user-specific information corresponding to the address, and then extracts the address corresponding to the extracted user-specific information, and then extracts the extracted information. The credit inquiry system according to claim 16, further comprising means for collecting transaction history corresponding to an address from the blockchain network and using it as transaction information, and subjecting the transaction information to credit processing together with the credit information. The credit inquiry system according to any one of claims 11 to 17, wherein the digital currency is legal tender. A program that makes a trading device for making a credit inquiry as to whether or not the transaction is possible at the time of a transaction function as a means for attaching a digital currency address stored on the blockchain to the processing of the credit inquiry. A credit server that uses credit information to make a credit inquiry as to whether or not the transaction is possible at the time of a transaction is used as a means of attaching a digital currency address stored on the blockchain to the processing of the credit inquiry. A program to make it work.

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