JP2023016582A - Program, information processing method, and system - Google Patents

Abstract

To provide a new technology on management of crypto assets.SOLUTION: A program to be executed by a system which acquires information on crypto assets owned by a user of a terminal includes: executing a control to calculate a loan rate of crypto assets; executing a control to display the rate information on a terminal; executing a control to replenish margin for futures transactions by selling a part of a first amount of assets which is the amount of crypto assets permitted for loan by a user; executing a control to purchase a right for selling futures of the crypto assets; executing a control to execute the right; executing a control to purchase crypto assets by using at least a part of the total amount of the margin and the amount obtained by executing the right; and executing a control to associate the total amount of assets of a second amount of assets which is the amount of crypto assets equivalent to a principal amount based on the first amount of assets and a third amount of assets which is the amount of crypto assets equivalent to the rate, with the user.SELECTED DRAWING: Figure 1

Description

The present disclosure relates to programs, information processing methods, systems, and the like.

Cited Document 1 describes an information processing system managed by an investment trust company that invests funds collected from investors in bonds for which performance-linked coupons are paid, which calculates a virtual portfolio based on the investment strategy of the investment trust company, An information processing system is disclosed that uses operational simulation information based on a calculated virtual portfolio as basic data for determining the interest rate of a performance-linked coupon.

Japanese Patent No. 6665241

According to the first aspect of the present invention, a program executed by a system for acquiring information about crypto assets owned by a user of a terminal executes control for calculating an interest rate for lending crypto assets, is displayed on the terminal, and a part of the first asset amount, which is the asset amount of the crypto assets permitted to be lent by the user, is sold to replenish the margin for futures trading. exercising the control to purchase the right to sell cryptocurrency futures, exercising the control to exercise the right, and the total amount of the margin and the amount obtained by exercising the right and a second asset amount that is the asset amount of the crypto asset equivalent to the principal amount based on the first asset amount, and the crypto asset equivalent to the interest rate Control is executed to associate the total asset amount with the third asset amount, which is the asset amount of the asset, with the user.
According to a second aspect of the present invention, an information processing method for a system that acquires information about crypto assets owned by a user of a terminal includes: executing control to calculate an interest rate for lending crypto assets; Execution of control for displaying on the terminal, and execution of control of selling part of the first asset amount, which is the asset amount of the crypto assets permitted to be lent by the user, to replenish the margin for futures trading. at least the total amount of the margin and the amount obtained by exercising the right; Execution of control to purchase a crypto asset using a portion, a second asset amount that is the asset amount of the crypto asset equivalent to the principal amount based on the first asset amount, and the crypto asset equivalent to the interest rate Control is executed to associate the total asset amount with the third asset amount, which is the asset amount, with the user.
According to a third aspect of the present invention, a system for acquiring information about crypto assets owned by a user of a terminal includes control for calculating an interest rate for lending the crypto assets, and control for displaying information about the interest rate on the terminal. , control of selling part of the first asset amount, which is the asset amount of the crypto-asset permitted to be lent by the user, to replenish the margin for the futures transaction, and control of purchasing the right related to the sale of the futures of the crypto-asset. , the control to exercise the right, the control to purchase the crypto-asset using at least a portion of the sum of the margin and the amount obtained by exercising the right, and the principal amount based on the first asset amount A control unit for associating the total asset amount of the second asset amount, which is the corresponding crypto-asset amount, and the third asset amount, which is the crypto-asset amount corresponding to the interest rate, with the user.

The figure which shows an example of the system configuration|structure of the communication system which concerns on 1st Example. The figure which shows an example of the hardware constitutions of the exchange server which concerns on 1st Example. The figure which shows an example of the hardware constitutions of the futures server based on 1st Example. FIG. 4 is a conceptual diagram of processing according to the first embodiment; The figure which shows an example of the user crypto-asset management database based on 1st Example. The figure which shows an example of the crypto-asset management data which concerns on 1st Example. FIG. 5 is a diagram showing a specific example of fund transfer at the start of operation according to the first embodiment; FIG. 5 is a diagram showing a specific example of fund transfer at the time of return according to the first embodiment; FIG. 5 is a diagram showing a specific example of fund transfer at the time of return according to the first embodiment; FIG. 5 is a diagram showing a specific example of fund transfer at the time of return according to the first embodiment; 4 is a flowchart showing an example of the flow of processing executed by each device according to the first embodiment; 4 is a flowchart showing an example of the flow of crypto asset deposit interest rate calculation processing according to the first embodiment. 4 is a flowchart showing an example of the flow of new crypto-asset deposit processing according to the first embodiment; 4 is a flowchart showing an example of the flow of crypto-asset return processing according to the first embodiment; 4 is a flowchart showing an example of the flow of daily operation processing according to the first embodiment; The figure which shows an example of the screen displayed on the display part of the terminal which concerns on 1st Example. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on 1st Example. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on a 1st modification. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on 2nd Example. The figure which shows an example of the screen displayed on the display part of the terminal which concerns on 2nd Example.

<Compliance with legal matters>
Note that the disclosure provided herein is subject to compliance with the legal requirements of the implementing country required for the practice of this disclosure, such as confidentiality of communications.

An embodiment for implementing a program or the like according to the present disclosure will be described with reference to the drawings.

A system, by way of example and not limitation, may be configured with a plurality of devices.
The plurality of devices may be a combination of devices of the same type, a combination of devices of different types, or a combination of devices of the same type and devices of different types.
It should be noted that, by way of example and not limitation, a system can also be considered as a plurality of devices working together to perform some processing.

Also, a system involving a client (client device) and a server can be considered, by way of example and not limitation, to be at least one of the following.
(1) Terminal & Server (2) Server (3) Terminal

(1) is a system including, by way of example and not limitation, at least one terminal and at least one server. An example of this is a client-server system.

The server is made up of, by way of example and not limitation, the following devices, which may be a single device or a combination of multiple devices.

Specifically, the server includes, by way of example and not limitation, at least one processor (examples and not limitation include: CPU: Central Processing Unit, GPU: Graphics Processing Unit, APU: Accelerated Processing Unit, DSP: Digital Signal Processor (not limited to Instead, as an example, ASIC: Application Specific Integrated Circuit, FPGA: Field Programmable Gate Array), etc.), computer device (processor + memory), control device, arithmetic device, processing device, etc. Or a configuration with a plurality of the same type of one device (as a non-limiting example, CPU + CPU, homogeneous multi-core processor, etc.), or a configuration with a plurality of different types of any one device (as a non-limiting example, CPU + DSP, heterogeneous multi-core processor etc.), or a combination of a plurality of devices (as non-limiting examples, a processor + computer device, a processor + arithmetic device, a plurality of heterogeneous devices, etc.).
Note that the processor may be a virtual processor.

Also, in the case where some processing is executed by the server, if it is composed of a single device, the processing described in the embodiments is executed by the single device. Further, in the case of a configuration having a plurality of devices, it may be configured such that one device executes a part of the processing and the other device executes the other processing. By way of example and not limitation, when configured with a processor and an arithmetic device, the processor may be configured to perform the first process and the arithmetic device may be configured to perform the second process.
In addition, when a plurality of devices are used, each device may be arranged at a position physically separated from each other.

Also, the functions of the server may be provided in the form of PaaS, IaaS, or SaaS in cloud computing, for example and not limitation.

Also, the control unit of the system can be at least one of the control unit of the terminal and the control unit of the server. That is, as an example and not a limitation, any one of (1A) only the control unit of the terminal, (1B) only the control unit of the server, or (1C) both the control unit of the terminal and the control unit of the server may be used in the system. can be a control unit.

Further, the control and processing performed by the control unit of the system (hereinafter collectively referred to as "control, etc.") may be performed only by (1A) the control unit of the terminal, or (1B) the control of the server (1C) It may be performed by both the control unit of the terminal and the control unit of the server.
In addition, in (1C), as an example and not a limitation, part of the control performed by the control unit of the system is performed by the control unit of the terminal, and the rest of the control is performed by the control unit of the server. You may do so. In this case, the allocation (allocation) of control and the like may be equally divided, or may be allocated at different ratios instead of equally divided.

Further, in the case of the communication unit of the server, when the server is composed of a single device, the communication unit itself provided in the single device may be used. Further, when the server is configured to have a plurality of devices, the communication section of the server may be configured to include each communication section provided in each device.
By way of example and not limitation, if a server comprises a first device and a second device, the first device having a first communication portion and the second device having a second communication portion, the communication portion of the server may include: It is good also as a concept containing a 1st communication part and a 2nd communication part.

(2) can be, for example and not limitation, a system composed of a plurality of servers (hereinafter referred to as "server system"). In this case, the configuration described above can be similarly applied as the configuration of each server.

The control or the like performed by the server system may be performed by (2A) only one server, (2B) only another server, or (2C) one of the plurality of servers. server and another server.
Also, in (2C), as an example and not a limitation, one server may perform part of the control performed by the server system, and the remaining control may be performed by another server. good. In this case, the allocation (allocation) of control and the like may be equally divided, or may be allocated at different ratios instead of equally divided.

(3) can be, by way of example and not limitation, a system composed of a plurality of terminals.
The system may be, by way of example and not limitation, a system such as the following.
・A system in which terminals have server functions (distributed system). This can be accomplished using blockchain technology, by way of example and not limitation.
・A system in which terminals communicate wirelessly with each other. As an example and not a limitation, this can be realized by performing communication in a P2P (peer-to-peer) system or the like using short-range wireless communication technology such as Bluetooth (registered trademark).

Note that the above is not limited to the control section, and the same applies to each functional section such as an input/output section, a communication section, a storage section, a clock section, etc., which can be components of the system.

In the following embodiments, by way of example and not by way of limitation, a system including a terminal and a server (by way of example and not by way of limitation, a client-server system) is illustrated.
It is also possible to apply the server system of (2) above as the server.

Also, instead of a system including a terminal and a server, it is possible to apply a system that does not include a server, such as the system of (3) above as an example and not as a limitation.
An embodiment in this case can be configured based on the above-described blockchain technology or the like. Specifically, as an example and not a limitation, data stored and managed in a server described in the following embodiments is saved (stored) on a blockchain. The terminal can then generate a transaction to the blockchain, and when the transaction is approved on the blockchain, the data stored on the blockchain can be updated.

It should be noted that even when the term "terminal" is used, this is not limited to the meaning of a terminal as a client device in a client server.
That is, a terminal may include the concept of a device that is not in a client server.

Also, in this specification, the expression "by communication I/F" is used as appropriate. This indicates that, as an example and not a limitation, the device transmits and receives various types of information and data via a communication I/F (via a communication unit) under the control of a control unit (processor or the like). It shall be acceptable.

Also, in the following description, as an example and not a limitation, various processes according to the embodiment are executed by an application (a crypto asset application as an example, not a limitation) installed in the terminal.

As an example and not a limitation, a function of a chat service (as a non-limiting example, a messaging service) as a function of a crypto asset application, or as a function of a chat application (as a non-limiting example, as a messaging application) It can also be made to have the function of a crypto asset application service.

The messaging service is configured so that users can chat using chat rooms.
In the following description, a UI (User Interface) or a GUI (Graphical User Interface) that allows each user to view content transmitted and received between terminals of a plurality of users will be referred to as a "talk room" as appropriate. Also, the talk room may be called a chat room.

The content includes messages including simple texts and pictograms, as well as non-limiting examples of image information (including information such as still images and moving images), operation information (including buttons, icons, etc.). , communication information/link information (including URI, URL, etc.), and various other information that can be transmitted and received between terminals.

Note that the talk room can include, by way of example and not limitation, a one-to-one user talk room as well as a group talk room including a plurality of users (group talk room). The talk room in this case means a UI or GUI that allows users included in the group to view content transmitted and received between terminals of the group including a plurality of users.

The messaging service may or may not include an instant messaging service (IMS) that enables transmission and reception of contents such as simple messages between terminals.

There is also a way of thinking that messaging service: MS (including IMS) is regarded as one form (one form) of social networking service: SNS.
Therefore, the messaging service: MS and the social networking service: SNS may or may not be distinguished.

Further, in the following description, the input to the terminal is mainly an operation input by the user of the terminal (input by touch (touch operation) as an example, not a limitation), but the input is not limited to this.
Sound input (including voice input) may or may not be input to the terminal instead of or in addition to the operation input.

In the following description, the “crypto asset sales office” is not limited, but provides the terminal user with a predetermined crypto asset held by the crypto asset sales office in response to a request from the terminal user (example, not limitation). as an example of a business operator that remits crypto assets). It should be noted that the provision of a predetermined cryptographic asset includes, as a non-limiting example, the purchase amount of the crypto-asset by the user of the terminal (as a non-limiting example, the amount of use (investment amount) of legal currency including electronic money, It includes providing crypto assets with a value corresponding to the amount of points used). A business operator of a crypto-asset marketplace (hereinafter referred to as a "crypto-asset marketer") may or may not be registered as a crypto-asset exchange service provider with the jurisdictional financial bureau.

By way of example and not limitation, cryptocurrency merchants establish fiat currencies and exchange rates for cryptocurrencies (exchange rates). The exchange rate is a value that fluctuates according to the demand for that crypto asset.

By way of example and not limitation, a cryptocurrency merchant provides cryptocurrency application services to terminals.

In addition, in the following explanation, "Crypto Asset Exchange" is an example of a business that mediates the purchase and sale of crypto assets in response to requests from customers (as a non-limiting example, a crypto asset dealer) without limitation. is. A crypto-asset exchange operator (hereinafter referred to as a “crypto-asset exchange operator”) may or may not be registered as a crypto-asset exchange operator with the jurisdictional financial bureau.

By way of example and not limitation, in cryptocurrency exchanges, exchange rates (trading prices) are determined based on supply and demand between customers.

The crypto-asset sales office may or may not be called a crypto-asset exchange. A crypto-asset exchange may or may not be referred to as a crypto-asset exchange.

In addition, in the following explanation, "futures trading broker" means, without limitation, a business operator that brokers financial futures trading on a futures exchange at the request of a customer (as an example, but not limited to, a cryptocurrency seller). is an example. Financial futures contracts include, by way of example and not limitation, cryptocurrency futures contracts and foreign exchange futures contracts.
Note that a futures trading broker may or may not be referred to as a "futures broker."

Also, in the following description, "fiat currency" includes, by way of example and not limitation, fiat currency such as Yen, US Dollar, Renminbi, Euro, Won, and the like. Without limitation, legal tender may or may not include electronic money. Also, without limitation, fiat currency may or may not include cryptocurrency (virtual currency).

Also, in the following description, "crypto assets" include, by way of example and not limitation, Bitcoin (registered trademark), Bitcoin Cash, Ethereum (registered trademark), Tether (registered trademark), Litecoin (registered trademark), Crypto assets (cryptocurrencies/virtual currencies) managed by blockchains such as Link (registered trademark) and Monacoin (registered trademark) are included. Also, a crypto-asset may or may not be an asset that a user can acquire (exchange or purchase) from a crypto-asset merchant.
In this specification, crypto-assets other than currencies treated as legal tender in the country to which the present embodiment is applied are referred to as crypto-assets. A blockchain for managing crypto-assets is called a crypto-asset blockchain.

In addition, in the following description, "remittance" from "device A" to "device B" means, as an example and not limitation, transfer from the account of the user of device A to the account of the user of device B. It involves transferring a predetermined amount of fiat currency or cryptocurrency. When the remittance target is a crypto-asset, the remittance includes transaction (transfer) of the crypto-asset from the crypto-asset wallet address belonging to the device A to the crypto-asset wallet address belonging to the device B.

<First embodiment>
In the first embodiment, as an example and not a limitation, the user lends (loans) the crypto assets held by the crypto asset merchant based on the yield (interest rate, deposit interest) offered by the crypto asset merchant. In this embodiment, the crypto-asset seller manages the crypto-asset deposited by the user and returns the crypto-asset to the user with interest.

When the crypto assets deposited by the user are returned, they are returned to the user as crypto assets having a first legal currency conversion value obtained by adding interest to the first legal currency conversion value at the time of deposit.

In the first embodiment, as an example without limitation, Bitcoin (BTC) (registered trademark) will be used as an example of cryptocurrency. Also, by way of example and not limitation, description will be made using the US dollar (USD) as an example of the first legal currency. Also, as an example and not a limitation, an explanation will be given using bitcoin futures as an example of crypto asset futures trading.

Bitcoin futures are US dollar-denominated futures trading based on an index value (reference rate) that is calculated once a day, as an example and not a limitation. In addition, since bitcoin futures can be settled by “cash on delivery” or “cash on delivery” as a settlement method, counter trading is not necessarily required.

The content described in the first embodiment can be applied to each of the other embodiments and each of the other modifications.
Moreover, the same code|symbol is attached|subjected about the component same as an already-appearing component, and description for the second time is abbreviate|omitted.

<System configuration>
FIG. 1 is a diagram showing an example of a system configuration of a communication system 1 according to this embodiment.
In the communication system 1, by way of example and not limitation, a server 10, a plurality of terminals 20 (terminal 20A, terminal 20B, terminal 20C, . . . ), exchange server 40, futures server 50, and is connected.

The server 10 has a function of providing crypto asset sales and purchase services via the network 30 . The server 10 can also be expressed as a crypto-asset exchange server, a crypto-asset exchange server, a crypto-asset sales service server, or the like. In this embodiment, by way of example and not limitation, the user of the server 10 is a cryptocurrency merchant.
Note that the number of servers 10 connected to the network 30 is not limited. By way of example and not limitation, one or more servers 10 may be connected.

The exchange server 40 has a function of providing a crypto-asset trading service using the crypto-asset block chain via the network 30 . The exchange server 40 can also be expressed as a crypto-asset exchange server, a crypto-asset exchange server, a crypto-asset trading server, or the like. In this embodiment, by way of example and not limitation, the user of the exchange server 40 is a cryptocurrency trader.
Note that the number of exchange servers 40 connected to the network 30 is not limited. By way of example and not limitation, one or more exchange servers 40 may be connected.

The futures server 50 has a function of providing a service that mediates financial futures transactions in cooperation with a futures exchange server (not shown) via the network 30 . Futures server 50 may also be referred to as a futures trading broker server, a futures broker server, a futures trading service server, and the like. In this embodiment, by way of example and not limitation, users of futures server 50 are futures trading brokers.
Note that the number of futures servers 50 connected to the network 30 is not limited. By way of example and not limitation, one or more futures servers 50 may be connected.

The terminal 20 (terminal 20A, terminal 20B, terminal 20C, . . . ) may be any information processing terminal capable of realizing the functions described in each embodiment. Terminal 20 includes, by way of example and not limitation, smart phones, mobile phones (feature phones), computers (including but not limited to desktops, laptops, tablets, etc.), media computer platforms (including but not limited to cable, satellite set top boxes, digital video recorders), handheld computer devices (as non-limiting examples include PDA (personal digital assistant), email clients, etc.), wearable terminals (glass-type devices, watch-type devices, etc.), VR (Virtual Reality) Including terminals, smart speakers (devices for voice recognition), or other types of computers or communication platforms. Also, the terminal 20 may be expressed as an information processing terminal.
Note that the number of terminals 20 connected to the network 30 is not limited.

The configuration of terminal 20A, terminal 20B and terminal 20C may be identical, by way of example and not by way of limitation. Further, if necessary, the terminal used by the user X may be expressed as the terminal 20X, and the user information in a predetermined service associated with the user X or the terminal 20X may be expressed as the user information X. It doesn't have to be.
The user information is user information associated with an account (blockchain wallet address) used by the user in a predetermined service. User information includes, by way of example and not limitation, user's name, user's icon image, user's age, user's gender, user's address, user's hobbies, entered by the user or provided by a given service It may include information associated with the user, such as preferences, user identifiers, etc., and may or may not be any one or combination of these.

The network 30 serves to connect one or more terminals 20 , one or more servers 10 , one or more exchange servers 40 , and one or more futures servers 50 . That is, the network 30 means a communication network that provides a connection path so that the various devices can transmit and receive data after being connected.

One or more portions of network 30 may or may not be wired or wireless networks. Network 30 may include, by way of example and not limitation, an ad hoc network, an intranet, an extranet, a virtual private network (VPN), a local area network (LAN), a wireless LAN (wireless LAN), wide area network (WAN), wireless WAN (WWAN), metropolitan area network (MAN), part of the Internet, public switched telephone network (Public Part of Switched Telephone Network (PSTN), mobile phone network, ISDN (integrated service digital networks), wireless LAN, LTE (long term evolution), CDMA (code division multiple access), Bluetooth (registered trademark), satellite communication, etc., or a combination of two or more thereof. Network 30 may include one or more networks 30 .

The server 10 (not limited to, but an example of a server, an information processing device, an information management device) provides a predetermined service (in this embodiment, a crypto asset (services related to management and crypto asset management). The server 10 may be any information processing device capable of realizing the functions described in each embodiment. Server 10 includes, by way of example and not limitation, server devices, computers (including but not limited to desktops, laptops, tablets, etc.), media computer platforms (including but not limited to cable, satellite set-top boxes, digital video recorders, etc.). ), handheld computing devices (by way of example and not limitation, PDAs, email clients, etc.), or other types of computers or communication platforms. Also, the server 10 may be expressed as an information processing device. If it is not necessary to distinguish between the server 10 and the exchange server 40 and/or the futures server 50, the server 10 and the exchange server 40 and/or the futures server 50 may each be expressed as an information processing device. , does not have to be.

When it is not necessary to distinguish between the server 10 and the terminal 20, the server 10 and the terminal 20 may or may not be represented as information processing apparatuses.

The exchange server 40 (not limited to, but an example of a server, an information processing device, and an information management device) has a function of providing a predetermined service (in this embodiment, a service related to cryptocurrency trading) to the server 10 . The exchange server 40 may be any device as long as it is an information processing device capable of realizing the functions described in each embodiment. Exchange server 40 includes, by way of example and not limitation, server devices, computers (including but not limited to desktops, laptops, tablets, etc.), media computer platforms (including but not limited to cable, satellite set-top boxes, digital video recorders), handheld computing devices (by way of example and not limitation, PDAs, email clients, etc.), or other types of computers or communication platforms. Also, the exchange server 40 may be expressed as an information processing device. If it is not necessary to distinguish between the exchange server 40 and the server 10, the exchange server 40 and the server 10 may or may not be represented as information processing devices.

The futures server 50 (not limited to, but an example of a server, an information processing device, or an information management device) has a function of providing a predetermined service (service related to financial futures trading in this embodiment) to the server 10 . The futures server 50 may be any information processing device capable of realizing the functions described in each embodiment. Futures server 50 may include, by way of example and not limitation, server devices, computers (including but not limited to desktops, laptops, tablets, etc.), media computer platforms (including but not limited to cable, satellite set-top boxes, digital video recorders), handheld computing devices (by way of example and not limitation, PDAs, email clients, etc.), or other types of computers or communication platforms. Further, the futures server 50 may be expressed as an information processing device. If it is not necessary to distinguish between the futures server 50 and the server 10, the futures server 50 and the server 10 may or may not be represented as information processing devices.

[Hardware (HW) configuration of each device]
The HW configuration of each device included in the communication system 1 will be described.

(1) HW Configuration of Terminal FIG. 1 shows an example of the HW configuration of the terminal 20 .
The terminal 20 includes a control unit 21 (CPU: central processing unit (central processing unit)), a storage unit 28, a communication I/F 22 (interface), an input/output unit 23, a clock unit 29A, and a position calculation information detection unit 29B. . Each component of the HW of terminal 20 is interconnected via bus B, by way of example and not limitation. Note that the HW configuration of the terminal 20 does not necessarily include all the components. By way of example and not limitation, terminal 20 may or may not be configured for individual or multiple components to be removed.

Communication I/F 22 transmits and receives various data via network 30 . Communication may be performed by wire or wirelessly, and any communication protocol may be used as long as mutual communication can be performed. The communication I/F 22 has a function of executing communication with various devices such as the server 10 via the network 30 . Communication I/F 22 transmits various data to various devices such as server 10 according to instructions from control unit 21 . The communication I/F 22 also receives various data transmitted from various devices such as the server 10 and transmits the data to the control unit 21 . Also, the communication I/F 22 may be simply referred to as a communication section. Moreover, when the communication I/F 22 is configured by a physically structured circuit, it may be expressed as a communication circuit.

The input/output unit 23 includes a device for inputting various operations to the terminal 20, a device for outputting processing results processed by the terminal 20, and the like. In the input/output unit 23, the input unit and the output unit may be integrated, the input unit and the output unit may be separated, or not.

The input unit is implemented by any one or a combination of all types of devices that can receive input from the user and transmit information related to the input to the control unit 21 . The input unit includes, but is not limited to, hardware keys such as a touch panel, a touch display, and a keyboard, a pointing device such as a mouse, a camera (operation input via moving images), and a microphone (operation input by voice).

The output unit is implemented by any one or a combination of all types of devices capable of outputting processing results processed by the control unit 21 . The output unit includes, as non-limiting examples, a touch panel, a touch display, a speaker (audio output), a lens (as non-limiting examples, 3D (three dimensions) output, hologram output), a printer, and the like.

Although it is only an example, the input/output unit 23 includes a display unit 24 , a sound input unit 25 , a sound output unit 26 and an imaging unit 27 as an example and not a limitation.

The display unit 24 is realized by any one or a combination of all kinds of devices capable of displaying according to the display data written to the frame buffer. The display unit 24 includes a touch panel, a touch display, a monitor (as a non-limiting example, a liquid crystal display and an OELD (organic electroluminescence display)), a head mounted display (HDM), projection mapping, and a hologram. , including devices capable of displaying images, text information, etc. in air (which may or may not be a vacuum). Note that these display units 24 may or may not be capable of displaying display data in 3D.

The sound input unit 25 is used to input sound data (including voice data; the same applies hereinafter). Sound input unit 25 includes a microphone and the like.
The sound output unit 26 is used for outputting sound data. Sound output unit 26 includes a speaker and the like.
The imaging unit 27 is used to acquire image data (including still image data and moving image data; the same applies hereinafter). The imaging unit 27 includes a camera and the like.

When the input/output unit 23 is a touch panel, the input/output unit 23 and the display unit 24 may be arranged to face each other with substantially the same size and shape.

The clock unit 29A is a built-in clock of the terminal 20 and outputs time information (clock information). The clock unit 29A is configured with a clock using a crystal oscillator or the like, for example and not limitation. The clock unit 29A can also be expressed as a clock unit or a time information detection unit as an example and not as a limitation.

Note that the clock unit 29A may or may not have a clock to which the NITZ (Network Identity and Time Zone) standard or the like is applied.

The position calculation information detection unit 29B has a function of detecting (measuring) information necessary for the control unit 21 to calculate (measure) the position of its own terminal 20 (hereinafter referred to as “position calculation information”). Department. The position calculation information detection section 29B can also be expressed as a position calculation sensor section as an example and not as a limitation.

The position calculation information detection unit 29B includes, as a non-limiting example, a satellite positioning sensor (satellite positioning sensor) which is a sensor or unit for calculating the position of the terminal 20 using a satellite positioning system such as GPS (Global Positioning System). unit), an inertial measurement sensor (inertial measurement unit (IMU (Inertial Measurement Unit))), which is a sensor or unit for calculating the position of the terminal 20 using an inertial navigation system, UWB (ultra wideband radio: Ultra Wide A UWB positioning sensor (UWB positioning unit), etc., which is a sensor or unit for calculating the position of the terminal 20 using a band).

The satellite positioning unit includes, as a non-limiting example, an RF receiving circuit that converts an RF (Radio Frequency) signal including a positioning satellite signal transmitted from a positioning satellite received by an antenna (not shown) into a digital signal, Positioning satellite signals are acquired by performing correlation calculation processing, etc. on the digital signals output from the RF receiving circuit, and information such as satellite orbit data and time data extracted from the positioning satellite signals is used as position calculation information. It has a baseband processing circuit for output.

The inertial measurement unit has an inertial sensor that detects information necessary to calculate the position of terminal 20 by inertial navigation calculation. Examples of inertial sensors include, but are not limited to, triaxial acceleration sensors and triaxial gyro sensors. The acceleration detected by the acceleration sensor and the angular velocity detected by the gyro sensor are used as position calculation information. Output.

As a non-limiting example, the UWB positioning unit converts an ultra-wideband RF (Radio Frequency) signal including an ultra-wideband pulse signal for positioning transmitted from a positioning beacon received by an antenna (not shown) into a digital signal. It has a wideband RF receiving circuit, a relative position calculation processing circuit that calculates the relative position between the terminal 20 and the positioning beacon based on the digital signal output from the ultra-wideband RF receiving circuit, and the like.
As an example and not a limitation, the UWB positioning unit may cause the terminal 20 to function as a positioning beacon by transmitting an ultra-wideband RF signal including a positioning ultra-wideband pulse signal from an antenna (not shown), You don't have to.

As a non-limiting example, the control unit 21 calculates the position of its own terminal 20 at regular timings or specific timings based on the position calculation information detected by the position calculation information detection unit 29B. The position of the terminal is called "terminal position", and the calculated terminal position is called "calculated terminal position". The control unit 21 may or may not associate the calculated terminal position with the date and time when the calculated terminal position was calculated and store it in the storage unit 28 as calculated terminal position history data.

The control unit 21 comprises, by way of example and not limitation, a hardware built-in data processing device comprising physically structured circuitry for carrying out the functions implemented by the code or instructions contained within the program. It is realized by Therefore, the control unit 21 may or may not be expressed as a control circuit.

Control unit 21 includes, by way of example and not limitation, a central processing unit (CPU), microprocessor, processor core, multiprocessor, ASIC (application-specific integrated circuit), FPGA (field programmable gate array).

The storage unit 28 has a function of storing various programs and various data required for the terminal 20 to operate. The storage unit 28 includes various storage media such as HDD (hard disk drive), SSD (solid state drive), flash memory, RAM (random access memory), and ROM (read only memory) as examples and not limitation. Also, the storage unit 28 may or may not be expressed as a memory.

The terminal 20 stores the program P in the storage unit 28 and executes the program P so that the control unit 21 executes processing as each unit included in the control unit 21 . That is, the program P stored in the storage unit 28 causes the terminal 20 to implement each function executed by the control unit 21 . Also, this program P may or may not be expressed as a program module.

(2) Server HW Configuration FIG. 1 shows an example of the HW configuration of the server 10 .
The server 10 includes a control unit 11 (CPU), a storage unit 15, a communication I/F 14 (interface), an input/output unit 12, and a clock unit 19 as an example and not limitation. Each component of the HW of server 10 is interconnected via bus B, by way of example and not limitation. It should be noted that the HW of the server 10 does not have to include all components as the HW configuration of the server 10 . By way of example and not limitation, the HW of server 10 may or may not be configured to remove individual components or multiple components.

The control unit 11 comprises, by way of example and not limitation, a hardware built-in data processing device comprising physically structured circuitry for carrying out the functions implemented by the code or instructions contained within the program. It is realized by

The control unit 11 is typically a central processing unit (CPU), and may or may not be a microprocessor, processor core, multiprocessor, ASIC, or FPGA. In the present disclosure, the controller 11 is not limited to these.

The storage unit 15 has a function of storing various programs and various data necessary for the operation of the server 10 . The storage unit 15 is realized by various storage media such as HDD, SSD, and flash memory. However, in the present disclosure, the storage unit 15 is not limited to these. Also, the storage unit 15 may or may not be expressed as a memory.

Communication I/F 14 transmits and receives various data via network 30 . Communication may be performed by wire or wirelessly, and any communication protocol may be used as long as mutual communication can be performed. The communication I/F 14 has a function of executing communication with various devices such as the terminal 20 via the network 30 . Communication I/F 14 transmits various data to various devices such as terminal 20 according to instructions from control unit 11 . The communication I/F 14 also receives various data transmitted from various devices such as the terminal 20 and transmits the data to the control unit 11 . Also, the communication I/F 14 may be simply referred to as a communication unit. Moreover, when the communication I/F 14 is configured by a physically structured circuit, it may be expressed as a communication circuit.

The input/output unit 12 includes a device for inputting various operations to the server 10, a device for outputting processing results processed by the server 10, and the like. In the input/output unit 12, the input unit and the output unit may be integrated, the input unit and the output unit may be separated, or not.

The input unit is implemented by any one or a combination of all types of devices that can receive input from the user and transmit information related to the input to the control unit 11 . The input unit is realized by hardware keys typically represented by a keyboard and a pointing device such as a mouse. Note that the input unit may or may not include a touch panel, a camera (operation input via a moving image), and a microphone (operation input by voice) as examples, not limitation.

The output unit is implemented by any one or a combination of all types of devices capable of outputting processing results processed by the control unit 11 . The output unit includes, as non-limiting examples, touch panels, touch displays, speakers (sound output), lenses (three-dimension (3D) output and hologram output as non-limiting examples), printers, and the like.

Although it is only an example, the input/output unit 12 includes the display unit 13 as an example and not as a limitation.

The display unit 13 is realized by a display or the like. The display is typically implemented by a monitor (for example, but not by way of limitation, a liquid crystal display or an OELD (organic electroluminescence display)). Note that the display may or may not be a head mounted display (HDM) or the like. These displays may or may not be capable of displaying display data in 3D. In the present disclosure, displays are not limited to these.

The clock unit 19 is an internal clock of the server 10 and outputs time information (timekeeping information). The clock unit 19 includes, for example and not limitation, an RTC (Real Time Clock) as a hardware clock, a system clock, and the like. The clock unit 19 can also be expressed as a clock unit or a time information detection unit as an example and not as a limitation.

(3) HW Configuration of Exchange Server FIG. 2 shows an example of the HW configuration of the exchange server 40 .
The exchange server 40 includes a control unit 41 (CPU), a storage unit 45, a communication I/F 44 (interface), an input/output unit 42, and a clock unit 49 as an example and not limitation. Each component of the HW of exchange server 40 is interconnected via bus B, by way of example and not limitation. It should be noted that the HW of the exchange server 40 does not necessarily include all of the constituent elements as the HW configuration of the exchange server 40 . By way of example and not limitation, the HW of exchange server 40 may or may not be configured to remove individual components or multiple components.

It should be noted that each component of the HW of the exchange server 40 can be configured in the same manner as the server 10 as an example and not as a limitation, so detailed description thereof will be omitted.

(4) HW Configuration of Futures Server FIG. 3 shows an example of the HW configuration of the futures server 50 .
The futures server 50 includes a control unit 51 (CPU), a storage unit 55, a communication I/F 54 (interface), an input/output unit 52, and a clock unit 59 as an example and not limitation. Each component of the HW of futures server 50 is interconnected via bus B, by way of example and not limitation. It should be noted that the HW of the futures server 50 does not have to include all the constituent elements as the configuration of the HW of the futures server 50 . By way of example and not limitation, the HW of futures server 50 may or may not be configured to remove individual components or multiple components.

Note that individual components of the HW of the futures server 50 can be configured in the same manner as the server 10 as an example and not as a limitation, so detailed description thereof will be omitted.

(5) Others The server 10 stores the program P in the storage unit 15 and executes the program P so that the control unit 11 executes processing as each unit included in the control unit 11 . That is, the program P stored in the storage unit 15 causes the server 10 to implement each function executed by the control unit 11 . This program P may or may not be expressed as a program module.
The same is true for other devices.

Each embodiment of the present disclosure will be described as being implemented by the CPU of the terminal 20 and/or the server 10 executing the program P. FIG.
The same is true for other devices.

Note that the control unit 21 of the terminal 20 and/or the control unit 11 of the server 10 is not only a CPU having a control circuit, but also an integrated circuit (IC (Integrated Circuit) chip, LSI (Large Scale Integration)) or the like. Each process may or may not be implemented by a logic circuit (hardware) or a dedicated circuit. Also, these circuits may be realized by one or more integrated circuits, and the plurality of processes shown in each embodiment may or may not be realized by one integrated circuit. LSIs are also called VLSIs, super LSIs, ultra LSIs, etc., depending on the degree of integration. Therefore, the control unit 21 may or may not be expressed as a control circuit.
The same is true for other devices.

In addition, the program P of each embodiment of the present disclosure (as a non-limiting example, a software program, a computer program, or a program module) may be provided in a state stored in a computer-readable storage medium, It does not have to be. The storage medium can store the program P in a "non-transitory tangible medium". Also, the program P may or may not be for realizing part of the functions of each embodiment of the present disclosure. Furthermore, the function of each embodiment of the present disclosure may or may not be a so-called difference file (difference program) that can be realized in combination with a program P already recorded on a storage medium.

The storage medium may include one or more semiconductor-based or other integrated circuits (ICs) (such as, by way of example and without limitation, field programmable gate arrays (FPGAs) or application specific ICs (ASICs)), hard Disk drive (HDD), hybrid hard drive (HHD), optical disk, optical disk drive (ODD), magneto-optical disk, magneto-optical drive, floppy diskette, floppy disk drive (FDD), magnetic tape, solid state It may include a drive (SSD), RAM drive, secure digital card or drive, any other suitable storage medium, or any suitable combination of two or more thereof. Storage media may, where appropriate, be volatile, nonvolatile, or a combination of volatile and nonvolatile. Note that the storage medium is not limited to these examples, and any device or medium that can store the program P may be used. Also, the storage medium may or may not be expressed as memory.

The server 10 and/or the terminal 20 can realize the functions of the functional units shown in each embodiment by reading the program P stored in the storage medium and executing the read program P.
The same is true for other devices.

In addition, the program P of the present disclosure may or may not be provided to the server 10 and/or the terminal 20 via any transmission medium (communication network, broadcast wave, etc.) capable of transmitting the program. . As a non-limiting example, the server 10 and/or the terminal 20 implement the functions of the plurality of functional units shown in each embodiment by executing a program P downloaded via the Internet or the like.
The same is true for other devices.

Each embodiment of the present disclosure can also be implemented in the form of a data signal in which the program P is embodied by electronic transmission.
At least part of the processing in the server 10 and/or the terminal 20 may or may not be realized by cloud computing configured by one or more computers.

At least part or all of the processing in the terminal 20 may or may not be performed by the server 10 and/or the exchange server 40 and/or the futures server 50 . In this case, the server 10 and/or the exchange server 40 and/or the futures server 50 may perform at least some or all of the processing of the functional units of the control unit 21 of the terminal 20. but it doesn't have to be.

At least part or all of the processing in the server 10 may or may not be performed by the terminal 20 and/or the exchange server 40 and/or the futures server 50 . In this case, at least a part of the processing of each functional unit of the control unit 11 of the server 10, or all of the processing may be performed by the terminal 20 and/or the exchange server 40 and/or the futures server 50. but it doesn't have to be.

At least part or all of the processing in the exchange server 40 may or may not be performed by the server 10 and/or the futures server 50 .

Further, at least part or all of the processing in the futures server 50 may or may not be performed by the server 10 and/or the exchange server 40 .

Unless explicitly mentioned, the configuration of determination in the embodiments of the present disclosure is not essential, and predetermined processing is performed when the determination condition is satisfied, or predetermined processing is performed when the determination condition is not satisfied. may or may not.

It should be noted that the programs of the present disclosure use script languages such as ActionScript and JavaScript (registered trademark), compiler languages such as Objective-C and Java (registered trademark), markup languages such as HTML Living Standard, and the like, for example and not limitation. implemented using

Note that the program of each embodiment of the present disclosure may be implemented as a Dapps (Decentralized Applications) program.

[Functional configuration of each device]
FIG. 4 is a diagram showing an example of functions realized by each device in this embodiment.

The control unit 11 of the server 10 includes a crypto-asset management processing unit 111 as a functional unit as an example and not a limitation.

The crypto-asset management processing unit 111 performs operations (reference/addition) of transactions stored (stored) in the crypto-asset blockchain in the crypto-asset application management processing executed according to the crypto-asset application management processing program stored in the storage unit 15 . etc.). In addition, the crypto-asset management processing unit 111 manages the deposited crypto-asset according to the flowchart described later.

The storage unit 15 of the server 10 stores a crypto-asset application management processing program, a user crypto-asset management database 151, and crypto-asset management data 152 as an example and not limitation.

The user crypto-asset management database 151 is a management database for linking the wallet address of the crypto-asset block chain (crypto-asset wallet address) with the user information (account) of the crypto-asset application. 5.

The user crypto-asset management database 151 stores user crypto-asset management data as management data for each account.

Each user crypto-asset management data stores, by way of example and not limitation, a crypto-asset application ID, a user name, a crypto-asset wallet address, an unused balance, and other registration information in association with each other.

The crypto-asset application ID is information used to identify the crypto-asset application account, or the crypto-asset application account itself.
This crypto-asset application ID is preferably a unique value for each account of the crypto-asset application, and as an example and not a limitation, the server 10 sets and stores a unique value (unique value) for each account.
The crypto-asset application ID is information associated with the terminal 20 or the user of the terminal 20, and is an example of information about the terminal or information about the user of the terminal.

The user name is the name of the user of the terminal 20 who uses the crypto-asset application, and as an example and not a limitation, the name of the user of the terminal 20 when performing identity verification (KYC) is stored.

The crypto-asset wallet address is information (owner's information) linked to the owner of the crypto-asset wallet. The crypto-asset wallet address is generated by the crypto-asset management processor 111, by way of example and not limitation, upon identity verification (KYC) of the user of the terminal 20.

The unused balance is the balance of the crypto-asset held by this account, and by way of example and not limitation, the unused balance (UTX: Unspent Transaction Output) at the crypto-asset wallet address is stored.

The other registration information includes, for example and not limitation, identification information for identifying the terminal 20, the telephone number of the terminal 20 (terminal telephone number), the email address (terminal email address), and various authentications in the crypto asset application. Authentication information such as a password (login password, authentication password, etc.) sent from the terminal 20, and personal identification information (address, date of birth, face photo data, etc.) sent from the terminal 20 at the time of personal identification (KYC). can be As other registration information, the user's crypto-asset wallet private key may be included.

The identification information for identifying the terminal 20 may be, by way of example and not by way of limitation, a terminal ID (by way of example and not by way of limitation, IMEI (International Mobile Equipment Identity)).
Also, the identification information for identifying the user of the terminal 20 can be a crypto asset application ID as an example and not a limitation. A “crypto-asset user ID” or simply a “user ID” may be used instead of the crypto-asset application ID, or may not be used.

Also, if the application allows only one account to be registered for one terminal 20, as an example without limitation, "identification information for identifying the terminal 20=identification information for identifying the user of the terminal 20= crypto asset application ID”.

Also, by way of example and not limitation, one user ID may or may not be allowed to be assigned multiple terminal IDs.

It is also possible to apply a method of managing an account using information such as a terminal phone number instead of various IDs such as a crypto asset application ID.
In this case, instead of storing ID information such as a crypto-asset application ID in the user crypto-asset management database 151, information such as a terminal telephone number can be stored in the user crypto-asset management database 151.

The user crypto-asset management data may be stored in addition to the first legal currency fund balance for managing the balance of funds for the user to purchase the crypto-asset from the crypto-asset dealer. does not have to be

The crypto-asset management data 152 is management data for managing the crypto-asset deposited by the user, and an example of the data configuration is shown in FIG.

The crypto-asset management data 152 includes, as a non-limiting example, a deposit physical balance, a surplus fund balance, a crypto-asset deposit interest rate, a return date, deposited crypto-asset management data, and futures position management data in association with each other. remembered.

Out of the crypto assets (deposited crypto assets) that have been lent by one or more users, the balance of physical deposits is the balance of crypto assets that are stored as physical crypto assets without being converted into the first fiat currency. remembered.
The deposited physical balance may be said to be the unused balance of the crypto-asset wallet address for crypto-asset management held by the crypto-asset sales office (the balance of the crypto-asset wallet for crypto-asset management).

The surplus fund balance stores the balance stored as the first legal currency as a result of converting a predetermined amount of the crypto assets lent by the user into the first legal currency.

The crypto-asset deposit interest rate is the rate of interest given at the time of return, presented by the crypto-asset seller when receiving a loan from the user. The method of presenting the crypto-asset deposit interest rate will be described later.

The return date is the date on which the crypto assets lent by the user are returned.

The deposited crypto-asset management data is data for managing the crypto-assets lent by the user (deposited crypto-assets), and as a non-limiting example, the crypto-asset application ID and the dollar-converted deposit amount are stored in association with each other. be done.

The crypto-asset application ID is identification information for identifying the account that has lent the crypto-asset.

The dollar-converted deposit amount is the price of the crypto-asset in terms of the first legal currency converted at the exchange rate at the crypto-asset market when the crypto-asset seller accepts the loan of the crypto-asset from the user. The dollar-converted deposit amount may be referred to as the first legal currency-converted deposit amount.

By way of example and not limitation, when the exchange rate for borrowing crypto assets from the user is '1' BTC = '30,000' USD, user A. If A lends “15” BTC to the crypto asset market, the dollar conversion deposit amount is “30,000×15”=“450,000” USD.

The futures position management data is data for managing futures selling hedge transactions used in the management of crypto assets, and as a non-limiting example, deposit margin, required margin, and futures position data are stored in association with each other. be done.

The deposited margin amount is the amount that has already been deposited (deposited) into the futures trading broker as a margin (guarantee money) in conducting financial futures trading. Margin is used to maintain futures positions (open interest, unsettled orders) and to place new orders.

The required margin amount is the required margin amount for futures trading, which is added according to the futures position held. If the ratio of the evaluation margin amount (total of deposit margin amount and evaluation profit/loss) to the required margin amount falls below a certain level, deposit of additional margin (marginal margin) is required.

The futures position data is data relating to the futures position held, and as a non-limiting example, the transaction type, the maturity date, the price, and the number of acquisitions are stored in association with each other.

The transaction type is flag information for distinguishing between "selling" and "buying" in futures trading.

The maturity date is the future maturity date (the last day to expire trading) at the price agreed upon at the time of execution. The maturity date may or may not be referred to as the Exercise Authority Date, Final Settlement Pricing Date, or Special Clearing Date. Note that the contract month may be stored instead of the maturity date, or may not be stored.

The price is the future sales price agreed upon at the time of execution.

The number of acquired contracts is the quantity of a transaction unit in which the futures contract is contracted.

The futures position management data may or may not be managed in the storage unit 55 of the futures server 50 in association with information identifying the crypto-asset trader.

Returning to FIG. 4, the control unit 21 of the terminal 20 functions as a crypto-asset application processing unit 211 for executing the crypto-asset application processing according to the crypto-asset application processing program stored in the storage unit 28, as an example and not limitation. Included as a part.

The storage unit 28 of the terminal 20 stores a crypto-asset application processing program and a crypto-asset application ID as an example and not a limitation.

The control unit 41 of the exchange server 40 mediates crypto asset trading between customers (as an example, but not a limitation, a crypto asset merchant) in accordance with a crypto asset transaction processing program stored in the storage unit 45, as an example and not a limitation. and includes a crypto-asset transaction processing unit 411 for executing crypto-asset transactions as a functional unit.

The control unit 51 of the futures server 50, as a non-limiting example, according to the futures transaction processing program stored in the storage unit 55, orders and settles futures transactions from customers (as a non-limiting example, a cryptocurrency merchant). It includes a futures transaction order processing unit 511 for receiving as a functional unit.

In addition, when crypto-asset trading is possible at the crypto-asset market, the server 10 and the exchange server 40 may be configured as an integrated server, or may not be configured in such a manner.

Also, the server 10 and the terminal 20 may or may not lend and return the crypto assets via a transaction mediation server (not shown).

It should be noted that each server in this embodiment is replaced as a crypto-asset management system including, as a non-limiting example, a crypto-asset management processing unit 111, a crypto-asset transaction processing unit 411, and a futures transaction order processing unit 511 as functional units. You may or may not do so.

[Overview of processing]
In this embodiment, when starting crypto-asset management, first, the crypto-asset seller calculates the crypto-asset deposit interest rate and presents it to the user of the crypto-asset application (crypto-asset deposit interest rate presentation). Then, the user refers to the presented crypto-asset deposit interest rate and gives an instruction to lend a predetermined amount of crypto-asset held by the user to the crypto-asset seller (crypto-asset lending instruction). Then, at the crypto-asset market, a predetermined amount of crypto-asset held by the user's account is transferred to a crypto-asset wallet for crypto-asset management belonging to the crypto-asset merchant (crypto-asset deposit).

Next, the crypto-asset sales business operator sells part of the deposited predetermined amount of crypto-asset on the crypto-asset exchange (crypto-asset partial sale process). When the crypto-asset sales office acquires the crypto-asset sales proceeds from the crypto-asset trader (acquisition of the crypto-asset sales proceeds), it remits the crypto-asset sales proceeds to the futures trading broker as a margin for futures trading. The crypto-asset market operator then sends an instruction to the futures trading broker to open a futures sell position equal to the remaining amount of the deposited predetermined amount of crypto-assets after partial sale (crypto-asset futures sell hedging instructions).

The left side of FIG. 7 shows a specific example of fund transfer at the start of crypto asset management.
In this example, the exchange rate at the time of depositing the crypto-asset is “1” BTC=“30,000” USD, the deposit period is “1 month”, and the crypto-asset deposit interest rate is “2”% per annum.

In order to simplify the explanation, at the time of crypto asset deposit, the crypto asset futures market is in a contango state (as a non-limiting example, the futures price is higher than the spot price (spot price)). and It is also assumed that the exchange rate at the crypto-asset market is equal to the exchange rate at the crypto-asset exchange.

In futures trading, the price difference between the spot price and the futures price generally converges as the maturity date approaches. In this example, for the sake of simplification, it is assumed that the futures position established at the time of crypto asset deposit will reach maturity at the time of crypto asset return and the futures price will be equal to the spot price. In addition, the fees generated in various transactions are assumed to be "0".

First, the user of the terminal agrees to the deposit terms of the deposit period and the crypto asset deposit interest rate, and lends the user's "15" BTC (equivalent to "450,000" USD) bitcoin to the crypto asset dealer. . That is, in this example, the dollar conversion deposit amount is "450,000" USD.

Of the deposited “15” BTC, as an example and not by way of limitation, the crypto-asset seller sells a portion thereof, “5” BTC, on the crypto-asset exchange, Get USD/BTC=“150,000”USD. Here, the percentage of the deposited crypto assets that are sold is called the “dollar conversion rate”. The dollar conversion rate is a value determined based on the required margin provided by the futures trading broker, and in this example, the dollar conversion rate is "1/3". Note that the dollar conversion rate takes any value between "0" and "1".

The crypto-asset seller remits “150,000 USD” acquired by selling the crypto-asset on the crypto-asset exchange to the futures trading broker as margin for bitcoin futures. Then, out of the deposited '15' BTC, a futures sell position of the same amount as '15-5' = '10' BTC held as a physical product is ordered to the futures trading broker. The cryptocurrency futures market is in a state of contango, so the Bitcoin futures price is higher than the Bitcoin spot price of 30,000 USD. For example, the bitcoin futures price expiring in one month is “30,100” USD. Also, the margin required for futures trading of "1" BTC is assumed to be "10,000" USD.

The cryptocurrency merchant obtains an execution (futures sell position) to sell '10' BTC to the futures trading broker for '301,000' USD. The margin required to hold this futures selling position is "10,000×10"="100,000" USD. The cryptocurrency merchant can hold this position because it has pre-deposited USD 150,000 as margin for bitcoin futures with the futures trading broker.

The right side of FIG. 7 shows a list of assets held by the cryptocurrency market after transfer of funds at the start of operation.
Of the "15" BTC lent by the user of the terminal at the cryptocurrency market, "10" BTC is held as the actual item. In addition, since a position equivalent to "10" BTC is held as a futures sell position, the "10" BTC held as a spot is in a state of being hedged by selling the entire amount.

Returning to FIG. 4, when returning the crypto-asset, the crypto-asset market operator sends an instruction to liquidate (settle) the futures selling position to the futures trading broker (crypto-asset futures selling hedge liquidation instruction). Then, the futures trading broker remits the total amount of the profit and loss obtained from the futures sale and the futures trading margin (hereinafter referred to as the "futures sale hedge settlement amount") to the crypto asset market (futures Sell Hedge Clearing Proceeds).

In the settlement of the futures selling position, the futures trading broker may or may not trade the futures selling position against the actual bitcoin held by the crypto asset seller.

Next, the crypto-asset market operator calculates the dollar-converted return amount by applying the crypto-asset deposit interest rate and the deposit period to the dollar-converted deposit amount. Then, the crypto-asset seller calculates the market value of the crypto-assets held as physical goods according to the post-change exchange rate, and distributes the shortfall in the amount of the crypto-assets to the dollar-converted return amount to the crypto-asset exchange using the futures sale hedge settlement amount. (Crypto asset purchase instructions).

Upon acquiring the shortfall of crypto-assets from the crypto-asset market (acquisition of insufficient crypto-assets for return), the crypto-asset seller returns the crypto-assets equivalent to the dollar-converted return amount to the user (crypto-assets return). Then, the crypto-asset seller notifies the user that the crypto-asset has been returned (crypto-asset return notification).

The left side of FIG. 8 shows a specific example of fund transfer at the time of return of crypto assets when the exchange rate of crypto assets has not changed from that at the start of operation.
The return amount in dollar terms is '450,000 + 750' = '450,750' USD including '450,000 x 0.02/12' = '750' USD for one month of 2% annual interest. Also, in this example, the exchange rate at the time of crypto asset return is assumed to be “1” BTC=“30,000” USD.

A cryptocurrency merchant holds a futures sell position equivalent to '10' BTC when the Bitcoin futures price is '30,100' USD. Therefore, if the futures selling position is settled (liquidated) at the Bitcoin futures price of ``30,000'' USD at the time of the return of the crypto assets, the futures selling profit and loss will be ``(30,100-30,000) x 10'' = ``1, 000” USD. Since the margin necessary for holding the futures selling position is all canceled, the deposit margin amount becomes "150,000+1000"="151,000" USD as a result. The crypto-asset merchant withdraws the deposit margin amount of “151,000 USD” from the futures trading broker and adds it to the surplus funds balance.

On the other hand, a cryptocurrency dealer holds '10' BTC in kind. Since the exchange rate is "1" BTC = "30,000" USD, the crypto-assets held by the crypto-asset dealer are equivalent to "30,000 x 10" = "300,000" USD. Therefore, when returning the crypto assets, the deduction between the dollar conversion amount "450,750" USD and the market capitalization of the crypto assets held "300,000" USD "450,750-300,000" ="150,750" USD worth of crypto assets are short. Therefore, the crypto-asset seller puts the crypto-asset equivalent to “150,750” USD, “150,750÷30,000”=“5.025” BTC, out of the surplus fund balance “151,000” USD, 750” USD through the cryptocurrency exchange.

When "5.025" BTC is purchased on the crypto-asset exchange, the crypto-asset seller returns "10+5.025"="15.025" BTC held by the user to the user.

The right side of FIG. 8 shows a list of assets held by the crypto asset market after the transfer of funds at the time of return.
After returning the crypto assets, “151,000-150,750” = “250” USD remains as the surplus funds balance withdrawn from the futures margin. This surplus fund balance will be the investment profit at the crypto asset market.

The left side of FIG. 9 shows a specific example of fund transfer at the time of return of crypto assets when the exchange rate of crypto assets has increased since the start of operation.
In this example, the exchange rate at the time of crypto asset return is assumed to be “1” BTC=“40,000” USD. The dollar conversion return amount is "450,750" USD.

When the futures selling position is settled (liquidated) at the Bitcoin futures price of “40,000 USD” at the time of return of crypto assets, the futures selling profit and loss is “(30,100-40,000) x 10” = “-99,000” ” to USD. Since the margin necessary for holding the futures selling position is all canceled, the resulting margin deposit is "150,000-99,000"="51,000" USD. The crypto-asset merchant withdraws the deposit margin amount “51,000” USD from the futures trading broker and adds it to the surplus funds balance.

On the other hand, since the exchange rate is "1" BTC = "40,000" USD, the crypto assets held by the crypto asset dealer are equivalent to "40,000 x 10" = "400,000" USD. . Therefore, when returning the crypto assets, the deduction between the dollar conversion amount "450,750" USD and the market capitalization of the crypto assets held "400,000" USD "450,750-400,000" ="50,750" USD worth of crypto assets are short. Therefore, the crypto-asset seller decides to add crypto-assets equivalent to “50,750” USD, “50,750÷40,000”=“1.26875” BTC, to “50, 750” USD through the cryptocurrency exchange.

When "1.26875" BTC is purchased on the crypto-asset exchange, the crypto-asset seller returns "10+1.26875"="11.26875" BTC held by the user to the user.

The right side of FIG. 9 shows a list of assets held by the crypto asset market after the transfer of funds at the time of return.
After returning the crypto assets, “51,000-50,750” = “250” USD remains as the surplus funds balance withdrawn from the futures margin. This surplus fund balance will be the investment profit at the crypto asset market.

The left side of FIG. 10 shows a specific example of fund transfer at the time of return of crypto assets when the exchange rate of crypto assets has declined since the start of operation.
In this example, the exchange rate at the time of crypto asset return is assumed to be "1"BTC="25,000" USD. The dollar conversion return amount is "450,750" USD.

When the futures selling position is settled (liquidated) at the Bitcoin futures price of ``25,000'' USD at the time of return of the crypto assets, the futures selling profit and loss is ``(30,100-25,000) x 10'' = ``51,000'' Set to USD. Since the margin necessary for holding the futures selling position is all canceled, the resulting margin deposit is "150,000+51,000"="201,000" USD. The crypto-asset merchant withdraws the deposit margin amount “201,000” USD from the futures trading broker and adds it to the surplus funds balance.

On the other hand, since the exchange rate is "1" BTC = "25,000" USD, the crypto assets held by the crypto asset dealer are equivalent to "25,000 x 10" = "250,000" USD. . Therefore, when returning the crypto assets, the deduction between the dollar conversion amount “450,750” USD and the market capitalization of the crypto assets held “250,000 USD” is “450,750-250,000” ="200,750" USD worth of crypto assets are short. Therefore, the crypto-asset seller decides to add crypto-assets equivalent to “200,750” USD, “200,750÷25,000”=“8.03” BTC, 750” USD through the cryptocurrency exchange.

When "8.03" BTC is purchased on the crypto-asset exchange, the crypto-asset seller returns "10+8.03"="18.03" BTC held by the user to the user.

The right side of FIG. 10 shows a list of assets held by the crypto asset market after transfer of funds at the time of return.
After returning the crypto assets, “201,000-200,750” = “250” USD remains as the surplus funds balance withdrawn from the futures margin. This surplus fund balance will be the investment profit at the crypto asset market.

As shown in these examples, by presenting an appropriate crypto-asset deposit interest rate, terminal users and crypto-asset merchants can obtain stable investment profits regardless of price fluctuations of crypto-assets.

<Processing>
FIG. 11 is a flow chart showing an example of the flow of processing executed by each device in this embodiment.
In this figure, from the left side, processing executed by the control unit of the crypto-asset management system composed of the server 10, the exchange server 40, and the futures server 50, the control unit of the terminal 20A (user AA's terminal 20) 21 shows an example of a process executed by 21. FIG.

Note that this processing is merely an example of processing for realizing the technique of the present disclosure, and is not limited to this processing. Another step may be added to this process, some steps of this process may be replaced, and some steps may be omitted (deleted) from this process.
This is the same for each flowchart (process) described below.

First, the crypto-asset management processing unit 111 of the server 10 determines whether or not it is the day when a new crypto-asset deposit is accepted (the day when the user accepts to lend the crypto-asset) (S110).

If it is the new crypto-asset deposit acceptance date (S110: YES), the crypto-asset management processing unit 111 of the server 10 executes crypto-asset deposit interest rate calculation processing (S120).

FIG. 12 is a flow chart showing an example of the procedure of the crypto-asset deposit interest rate calculation process.

First, the crypto-asset management processing unit 111 of the server 10 executes market information acquisition processing (S210).

In the market information acquisition process, as a non-limiting example, the crypto-asset management processing unit 111 of the server 10 transmits market information request information requesting market information necessary for crypto-asset management to the exchange server 40 via the communication I/F 14. and the futures server 50.
Market information includes, by way of example and not limitation, crypto-asset spot prices (spot prices), crypto-asset futures prices, USD interest rates, crypto-asset futures margin requirements, various transaction fees, and the like.

Here, the USD interest rate refers to the futures interest rate (forward rate) of the first legal currency (the US dollar in this example). The USD interest rate may be referred to as the first fiat currency interest rate. The USD interest rate is the interest rate of interest rate futures trading (short-term interest rate futures trading) represented by "interest rate futures price = 1 - interest rate (annual rate)". As such, USD interest rates increase in the negative direction when future USD prices are expected to rise.

When market information request information is received from the server 10 by the communication I/F 44, the crypto-asset transaction processing unit 411 of the exchange server 40 communicates market information including crypto-asset spot prices, transaction fees, and the like, for example and not limitation. /F44 to the server 10.

When the market information request information is received from the server 10 by the communication I/F 54, the futures transaction order processing unit 511 of the futures server 50 receives, for example, without limitation, the crypto-asset futures price, the USD interest rate, the crypto-asset futures margin requirement, the transaction The market information including commission etc. is transmitted to the server 10 by communication I/F54.

Then, the crypto-asset management processing unit 111 of the server 10 receives market information from the exchange server 40 and the futures server 50 via the communication I/F 14 .

In the market information acquisition process, the crypto-asset management processing unit 111 of the server 10 may or may not receive market information from a market information server (not shown) that provides information on the financial market. good too.

Next, the crypto-asset management processing unit 111 of the server 10 executes crypto-asset implied interest rate calculation processing (S220). Here, the crypto-asset implied interest rate is a current future crypto-asset interest rate prediction value (a theoretically calculated value) corresponding to the crypto-asset futures price.
The crypto-asset implied interest rate may or may not be called the crypto-asset implied forward rate.

The crypto-asset implied interest rate can be calculated, as an example and not by way of limitation, based on the crypto-asset futures price, the crypto-asset spot price, and the USD interest rate, using Equation (1) below.

Here, the number of remaining days is the number of days that is the difference between the maturity date of the crypto asset futures and the current date. In addition, the crypto asset implied interest rate is a theoretical interest rate corresponding to the interest rate in interest rate futures trading. Therefore, when crypto-asset implied interest rates rise, future crypto-asset futures prices will decline, and when crypto-asset implied interest rates decline, future crypto-asset futures prices will rise. When the crypto-asset futures market is in a contango state, the crypto-asset implied interest rate takes a negative value.

When the crypto-asset implied interest rate is calculated, the crypto-asset management processing unit 111 of the server 10 executes a dollar conversion rate setting process (S230).
In the dollar conversion rate setting process, the crypto-asset management processing unit 111 of the server 10 sets the dollar conversion rate based on the crypto-asset spot price included in the market information and the amount of margin required for futures trading per unit (1 lot). set.

More specifically, as an example and not as a limitation, if it is assumed that 'X' BTC (where 'X' is an arbitrary natural number) of crypto assets are deposited in the operation, then 'X - dollar conversion rate x X' BTC The dollar conversion rate is set so that the amount that satisfies the allowable margin for futures trading (for example, the leverage is 2 times or less, not limited) can be obtained when selling crypto assets of "dollar conversion rate x X" BTC. set.

When the dollar conversion rate is set, the crypto-asset management processing unit 111 of the server 10 executes expected rate of return calculation processing (S240). Here, the expected rate of return is a theoretical investment rate of return that assumes that there will be no market fluctuations during the period from when the cryptocurrency deposit interest rate is presented to the user until the user completes the cryptocurrency deposit. be.

The expected rate of return can be calculated by the following equation (2) based on the USD interest rate, the crypto-asset implied interest rate, and the dollar conversion rate, by way of example and not limitation.

Here, as a non-limiting example, the deposit balance is the first legal currency conversion (USD conversion in this example) calculated based on the conversion rate at the time of deposit for the crypto assets expected to be deposited by the user. is the deposit amount (expected deposit amount) at

When the expected rate of return is calculated, the crypto-asset management processing unit 111 of the server 10 executes the post-risk expected rate of return calculation process (S250). Here, the expected rate of return after deducting risk means that the implied interest rate of crypto-assets fluctuates significantly during the period from when the crypto-asset deposit rate is presented to the user until the user completes the crypto-assets deposit, and the actual investment return is This is an investment return that takes into account market fluctuations and is introduced to prevent the negative return on investment.

In order to calculate the expected rate of return after deducting risk, we introduce historical volatility (HV), which is a technical indicator calculated based on the past volatility of the USD interest rate and the crypto asset implied interest rate. HV is, by way of example and not limitation, a volatility calculated based on past market fluctuations, assuming that interest rate differentials between USD interest rates and crypto-asset implied interest rates fluctuate in a normal distribution. If the past fluctuation rate in the interest rate difference between the USD interest rate and the crypto-asset implied interest rate is small, the HV becomes small, and the larger the past fluctuation rate, the larger the HV. HV may be referred to as historical volatility.

The risk-less expected rate of return can be calculated, by way of example and not limitation, based on the USD interest rate, the crypto-asset implied interest rate, the HV, and the dollar conversion rate, using Equation (3) below.

Here, the adjustment coefficient is a parameter that is adjusted according to the period from when the crypto-asset deposit interest rate is presented to the user until the crypto-asset is deposited, the risk tolerance of investment, and the like.

Next, the crypto-asset management processing unit 111 of the server 10 executes transaction cost rate calculation processing for calculating various transaction costs during operation (S260). The transaction cost rate is, for example and not limitation, the total value of each transaction cost rate that can be calculated by the following formulas (4) and (5).

Here, the unit crypto-asset spot transaction cost is, as an example and not a limitation, a crypto-asset transaction (buying and selling of crypto-asset) per unit amount (“1” BTC as an example, not a limitation) presented by a crypto-asset trader. ). In addition, the unit crypto-asset futures transaction cost is, as an example and not a limitation, the fee rate incurred in a crypto-asset futures transaction per unit amount (“1” BTC as an example, not a limitation) presented by a futures trading broker. be.

Then, the crypto-asset management processing unit 111 of the server 10 executes the deposit interest rate calculation process presented to the customer (S270). The deposit interest rate presented to the customer is an interest rate presented to the user as the crypto asset deposit interest rate.

The deposit interest rate offered to the customer can be calculated, by way of example and not limitation, with the following formula.

“Deposit interest rate offered to customers” = “Expected return after deducting risk” - “Transaction cost rate” - “Crypto-asset dealer return”

Here, the crypto-asset seller's rate of return is the commission (management fee) rate that the crypto-asset seller who conducts the operation obtains from the operation. The crypto-asset merchant rate of return is set by the crypto-asset merchant as an arbitrary percentage, by way of example and not limitation.

Then, the crypto-asset management processing unit 111 of the server 10 stores the calculated deposit interest rate presented to the customer in the crypto-asset deposit interest rate of the crypto-asset management data 152 . In addition, the crypto-asset management processing unit 111 of the server 10 stores the return date based on the maturity date of the crypto-asset futures used to calculate the crypto-asset implied interest rate in the crypto-asset operation management data 152, as an example and not a limitation. .

In the crypto-asset deposit interest rate calculation process, the crypto-asset management processing unit 111 of the server 10 receives the deposit interest rate presented to the customer calculated by the market information server (not shown), and It may or may not be stored in the interest rate.

Returning to FIG. 11, when the crypto-asset deposit interest rate is calculated, the crypto-asset management processing unit 111 of the server 10 transmits the crypto-asset deposit interest rate information including the crypto-asset deposit interest rate to the terminal 20A via the communication I/F 14 (S130 ). The crypto-asset deposit interest rate information may or may not include the crypto-asset deposit period and deposit timing.

When the crypto-asset interest rate information is received from the server 10 via the communication I/F 22 (A110: YES), the control unit 21 of the terminal 20A displays the received crypto-asset interest rate information on the display unit 24 (A120). Then, as an example and not limitation, the control unit 21 of the terminal 20A, based on the input (user operation) to the input/output unit 23 of the terminal 20A, the crypto-asset deposit, which is the amount of crypto-asset that the user lends to the crypto-asset seller. The cryptocurrency deposit request information including the amount is transmitted to the server 10 via the communication I/F 22 (A130).

If the crypto-asset deposit interest rate information is not received from the server 10 (A110: NO), the control unit 21 of the terminal 20A skips steps A120 and A130.

Upon receiving the crypto-asset deposit request information from the terminal 20A through the communication I/F 14, the crypto-asset management processing unit 111 of the server 10 executes a new crypto-asset deposit process (S140).

FIG. 13 is a flow chart showing an example procedure of new crypto-asset deposit processing.

First, the crypto-asset management processing unit 111 of the server 10 executes market information acquisition processing (S310). The market information acquisition process can be performed in the same manner as the step of S210 of FIG. 12, as an example and not as a limitation.

Next, the crypto-asset management processing unit 111 of the server 10 executes a newly deposited crypto-asset acquisition process (S320).

In the newly deposited crypto-asset acquisition process, the crypto-asset management processing unit 111 of the server 10, for example and not limitation, stores the crypto-asset blockchain from the crypto-asset wallet address of the user who lends the crypto-asset to the crypto-asset store. Issue a transaction to deposit (remit) a predetermined amount of crypto assets specified by the user to the crypto asset wallet address for crypto asset management.
When a block containing an issued transaction is incorporated into the crypto-asset blockchain (the transaction is approved), the crypto-asset market reads a new block on the crypto-asset blockchain and acquires the transactions contained in the new block.

Then, the crypto-asset management processing unit 111 of the server 10 calculates the crypto-asset application ID of the user who made the deposit of the crypto-asset and the dollar conversion deposit amount calculated based on the exchange rate at the time of deposit of the deposited crypto-asset. are associated with each other and stored in the deposited crypto-asset management data of the crypto-asset management data 152 .

The crypto-asset management processing unit 111 of the server 10 stores the crypto-asset wallet address of the user who deposited the crypto-asset as the deposited crypto-asset management data instead of the crypto-asset application ID of the user who deposited the crypto-asset. It may or may not be stored.

Next, the crypto-asset management processing unit 111 of the server 10 determines whether the crypto-asset futures market is in a contango state based on the acquired market information (S330).

If it is in the contango state (S330: YES), the crypto-asset management processing unit 111 of the server 10 determines whether the new crypto-asset deposit processing date is a business day of the futures exchange brokered by the futures broker ( S340).

If it is a business day of the futures exchange (S340: YES), the crypto-asset management processing unit 111 of the server 10 executes processing for partially selling the newly deposited crypto-asset (S350).

In the process of partially selling the newly deposited crypto-asset, the crypto-asset management processing unit 111 of the server 10 sells the amount obtained by multiplying the deposited crypto-asset balance (deposited spot balance) by the dollar conversion rate, for example and not limitation. to the exchange server 40 via the communication I/F 14. Then, the crypto-asset transaction processing unit 411 of the exchange server 40 trades the crypto-asset based on the received crypto-asset sale transaction information, and remits the sale proceeds to the account of the crypto-asset market.
Upon receiving the sale proceeds, the crypto-asset management processing unit 111 of the server 10 adds the sale proceeds to the surplus fund balance of the crypto-asset management data 152 . In addition, the crypto-asset management processing unit 111 of the server 10 subtracts the sales amount from the deposited cash balance.

Next, the crypto asset management processing unit 111 of the server 10 executes futures margin replenishment processing (S360).

In the futures margin replenishment process, the crypto-asset management processing unit 111 of the server 10 transfers the crypto-asset sales proceeds obtained in step S350 to the futures server 50, for example and not limitation, and converts the surplus funds balance into the crypto-asset sales proceeds. minus the minute. When the futures transaction order processing unit 511 of the futures server 50 accepts the remitted amount as a deposit margin, it transmits futures margin deposit information including the deposit margin amount to the server 10 via the communication I/F 54 . When receiving the futures margin deposit information from the futures server 50 via the communication I/F 14, the crypto-asset management processing unit 111 of the server 10 performs futures position management of the crypto-asset operation management data 152 based on the received futures margin deposit information. Update data.

After that, the crypto asset management processing unit 111 of the server 10 executes new futures sale hedge transaction processing (S370).

In the new futures selling hedge transaction processing, the crypto-asset management processing unit 111 of the server 10 places a futures transaction order for futures selling of the same amount of crypto-assets as the deposit spot balance of the crypto-asset management data 152, for example and not limitation. Information is transmitted to the futures server 50 by communication I/F14. Then, the futures transaction order processing unit 511 of the futures server 50 contracts the futures transaction based on the received futures transaction order information, and transmits the futures transaction information including the contracted futures position to the server 10 via the communication I/F 54. . When the futures transaction information is received from the futures server 50 by the communication I/F 14, the crypto-asset management processing unit 111 of the server 10 updates the futures position management data of the crypto-asset operation management data 152 based on the received futures transaction information. .

If it is not in the contango state (S330: NO), the crypto-asset management processing unit 111 of the server 10 executes processing for selling the entire amount of the newly deposited crypto-asset (S380).

In the process of selling the entire amount of newly deposited crypto-assets, the crypto-assets management processing unit 111 of the server 10, as an example and not a limitation, sends the crypto-assets sale transaction information for selling the entire balance of the deposited crypto-assets through the communication I/F 14. Send to exchange server 40 . Then, the crypto-asset transaction processing unit 411 of the exchange server 40 trades the crypto-asset based on the received crypto-asset sale transaction information, and remits the sale proceeds to the account of the crypto-asset market.
Upon receiving the sale proceeds, the crypto-asset management processing unit 111 of the server 10 adds the sale proceeds to the surplus fund balance of the crypto-asset management data 152 . In addition, the crypto-asset management processing unit 111 of the server 10 subtracts the sales amount from the deposited cash balance.

If it is not a business day of the futures exchange (S340: NO), the crypto-asset management processing unit 111 of the server 10 executes processing for selling the entire newly deposited crypto-asset (S380).

Returning to FIG. 11, if it is not the new crypto-asset deposit acceptance date (S110: NO), the crypto-asset management processing unit 111 of the server 10 skips steps S120 to S140.

Note that the crypto-asset deposit interest rate calculation process and the new crypto-asset deposit process are not limited to being executed on the same day. By way of example and not limitation, the crypto-asset deposit interest rate calculation process may be executed one day or two days before the new crypto-asset deposit process, as an example and not by way of limitation. In this case, the time lag from transmission of crypto-asset interest rate information to new crypto-asset deposit processing increases, so the influence of HV on the post-risk expected return calculation processing becomes more pronounced.

Next, the crypto-asset management processing unit 111 of the server 10 determines whether or not it is the date for returning the crypto-asset to the user (S150).

If it is the crypto-asset return date (S150: YES), the crypto-asset management processing unit 111 of the server 10 executes crypto-asset return processing (S160).

FIG. 14 is a flowchart illustrating an example of a procedure for crypto asset return processing.

First, the crypto-asset management processing unit 111 of the server 10 executes market information acquisition processing (S410). The market information acquisition process can be performed in the same manner as the step of S210 of FIG. 12, as an example and not as a limitation.

Then, the crypto-asset management processing unit 111 of the server 10 executes futures position settlement processing (S420).

In the futures position settlement process, the crypto-asset management processing unit 111 of the server 10, for example and not limitation, acquires futures transaction settlement information for settlement of the futures position stored in the futures position management data of the crypto-asset management data 152. It transmits to the futures server 50 by communication I/F14. Then, the futures transaction order processing unit 511 of the futures server 50 settles the futures transaction position based on the received futures transaction settlement information. Then, futures transaction order processing unit 511 of futures server 50 transmits futures transaction result information including the settled futures position and the deposited margin amount after settlement to server 10 via communication I/F 54 . When the futures transaction result information is received from the futures server 50 via the communication I/F 14, the crypto-asset management processing unit 111 of the server 10 updates the futures position management data of the crypto-asset operation management data 152 based on the received futures transaction result information. Update.
Thereafter, the crypto-asset management processing unit 111 of the server 10 withdraws the deposit margin amount after settlement of the futures position from the futures server 50 and adds it to the surplus fund balance.

Next, the crypto-asset management processing unit 111 of the server 10 executes a return crypto-asset purchase process (S430).

In the crypto-asset purchase process for return, the crypto-asset management processing unit 111 of the server 10, for example and not limitation, returns the dollar-converted return amount, the deposit physical balance, and the crypto-asset spot transaction price at the time of the crypto-asset return (exchange rate ) to be returned to the user (hereinafter referred to as “crypto-asset return balance”).

The crypto asset return balance is calculated by the following formula, as an example and not a limitation.
“Crypto asset returned balance” = “In-kind balance at the time of return” + “In-kind balance for interest”
However, the physical balance at the time of return is the amount of crypto assets equivalent to the dollar-converted deposit calculated at the exchange rate at the time of the return of the crypto assets. In addition, the interest balance in kind is the amount of crypto assets equivalent to the dollar conversion interest amount calculated at the exchange rate at the time of crypto asset return, which is calculated by "dollar conversion amount - dollar conversion deposit amount".

Then, the crypto-asset management processing unit 111 of the server 10 sends the crypto-asset purchase transaction information for purchasing the crypto-asset, which is the difference between the returned crypto-asset balance and the deposited physical deposit balance, to the exchange server through the communication I/F 14. 40. Then, the crypto-asset transaction processing unit 411 of the exchange server 40 trades the crypto-asset based on the received crypto-asset purchase transaction information, and withdraws the purchase price from the account (surplus funds balance) of the crypto-asset market. Then, the crypto-asset transaction processing unit 411 of the exchange server 40 issues a transaction for transferring the traded crypto-asset to the crypto-asset wallet address for crypto-asset management held by the crypto-asset market.
When a block containing an issued transaction is incorporated into the crypto-asset blockchain (the transaction is approved), the crypto-asset market reads a new block on the crypto-asset blockchain and acquires the transactions contained in the new block.
Then, the crypto-asset management processing unit 111 of the server 10 updates the deposited cash balance and the surplus fund balance of the crypto-asset management data 152 .

Thereafter, the crypto-asset management processing unit 111 of the server 10 executes interest-bearing deposited crypto-asset return processing (S440).

In the interest-bearing deposit crypto-asset return process, the crypto-asset management processing unit 111 of the server 10, for example and not limitation, stores the crypto-asset blockchain from the crypto-asset wallet address for crypto-asset management held by the crypto-asset sales office. Issue a transaction to remit (return) the crypto-asset for the crypto-asset return balance to the crypto-asset wallet address of the user who deposited the crypto-asset.

Returning to FIG. 11 , when the crypto-asset return process is executed, the crypto-asset management processing unit 111 of the server 10 sends the crypto-asset return information indicating that the crypto-asset has been returned to the user's crypto-asset wallet address via the communication I/F 14 to the terminal. 20A (S170).
The crypto-asset return information may or may not include the crypto-asset return balance, dollar-converted return amount, exchange rate, and the like.

If it is not the crypto-asset return date (S150: NO), the crypto-asset management processing unit 111 of the server 10 skips steps S160 to S170.

When the crypto-asset return information is received from the server 10 via the communication I/F 22 (A140: YES), the control unit 21 of the terminal 20A displays the received crypto-asset return information on the display unit 24 (A150).

If the crypto-asset return information is not received from the server 10 (A140: NO), the control unit 21 of the terminal 20A skips step A150.

Then, the control unit 21 of the terminal 20A determines whether or not to terminate the process (A160). As a condition for terminating the process, as an example and not limitation, there is a case where account cancellation of the crypto asset application is selected based on an input (user operation) to the input/output unit 23 of the terminal 20A.

If not to end the process is selected (A160: NO), the control unit 21 of the terminal 20A returns the process to step A110.

When ending the process is selected (A160: YES), the control unit 21 of the terminal 20A ends the process.

Next, the crypto-asset management processing unit 111 of the server 10 executes daily operation processing (S180).

Note that if the new crypto-asset deposit acceptance date, the refund date, or both of them correspond, the crypto-asset management processing unit 111 of the server 10 may or may not skip the daily operation processing. may

Also, the daily operation process may be a process that is executed daily, or a process that is executed at predetermined intervals (for example, not limited to, every 6 hours, every week, etc.).

FIG. 15 is a flowchart illustrating an example of procedures for daily operation processing.

First, the crypto-asset management processing unit 111 of the server 10 executes market information acquisition processing (S510). The market information acquisition process can be performed in the same manner as the step of S210 of FIG. 12, as an example and not as a limitation.

Next, the crypto-asset management processing unit 111 of the server 10 determines whether the crypto-asset futures market is in a contango state based on the acquired market information (S520).

If it is in the contango state (S520: YES), the crypto-asset management processing unit 111 of the server 10 refers to the futures position management data of the crypto-asset operation management data 152 as an example and not a limitation, and It is determined whether or not the position is held (S530).

In this step, the crypto-asset management processing unit 111 of the server 10 may determine whether or not the maturity date of the held crypto-asset futures position is approaching within a predetermined number of days. does not have to be

When holding a crypto-asset futures position that is about to expire (S530: YES), the crypto-asset management processing unit 111 of the server 10 executes futures position rollover processing (S540).

In the futures position rollover process, the crypto asset management processing unit 111 of the server 10, as an example and not a limitation, settles the futures selling position that is about to expire, and orders the same amount of the futures selling position that has a distant maturity date. The futures transaction rollover information is transmitted to the futures server 50 via the communication I/F 14 . Then, based on the received futures transaction rollover information, the futures transaction order processing unit 511 of the futures server 50 settles the futures transaction position approaching the maturity date, and contracts a new futures selling position. Then, futures transaction order processing unit 511 of futures server 50 transmits futures transaction result information including the contracted futures position to server 10 via communication I/F 54 . When the futures transaction result information is received from the futures server 50 via the communication I/F 14, the crypto-asset management processing unit 111 of the server 10 updates the futures position management data of the crypto-asset operation management data 152 based on the received futures transaction result information. Update.

When not holding a crypto-asset futures position that will reach maturity (S530: NO), the crypto-asset management processing unit 111 of the server 10 skips step S540.

Next, the crypto-asset management processing unit 111 of the server 10 sets the ratio of the evaluation margin amount (total of deposit margin amount and evaluation profit/loss) to the required margin amount (hereinafter referred to as “margin maintenance rate”) to the first predetermined amount. It is determined whether or not it is equal to or higher than the maintenance rate (S550). The higher the first predetermined maintenance rate, the lower the investment risk, but the lower the investment yield.

The first predetermined maintenance rate can be set, as an example and not as a limitation, to a value that makes the leverage "Y" times (Y is an arbitrary natural number) or less. In addition, it is desirable that the leverage is set to about "2 to 3" in consideration of the balance between investment profit and investment risk.

When the margin maintenance rate is lower than the first predetermined maintenance rate (S550: NO), the crypto asset management processing unit 111 of the server 10 executes futures position partial liquidation processing (S560).

In the futures position partial settlement process, the crypto-asset management processing unit 111 of the server 10 controls the futures position management data stored in the crypto-asset operation management data 152 so that the margin maintenance rate is equal to or greater than the first predetermined maintenance rate. The futures transaction partial settlement information for settlement of a part of the futures position is transmitted to the futures server 50 via the communication I/F 14 . Then, the futures transaction order processing unit 511 of the futures server 50 settles part of the futures transaction position based on the received futures transaction partial settlement information. Then, futures transaction result information including the settled futures position and the deposited margin amount after settlement is transmitted to the server 10 via the communication I/F 54 . When the futures transaction result information is received from the futures server 50 via the communication I/F 14, the crypto-asset management processing unit 111 of the server 10 updates the futures position management data of the crypto-asset operation management data 152 based on the received futures transaction result information. Update.

Then, the crypto-asset management processing unit 111 of the server 10 executes the crypto-asset partial sale process (S570).
The partial sale of crypto assets is a process for selling the amount of crypto assets out of the amount of the crypto assets that are actually held that is outside the short hedge in the partial liquidation of the futures position.

In the crypto-asset partial sale process, the crypto-asset management processing unit 111 of the server 10 stores an amount corresponding to the futures position settled in the futures position partial liquidation process (for example, without limitation, "2" BTC futures sell position is settled, the crypto asset partial sale transaction information for selling the crypto asset of “2” BTC) is transmitted to the exchange server 40 via the communication I/F 14 . Then, the crypto-asset transaction processing unit 411 of the exchange server 40 trades the crypto-asset based on the received partial crypto-asset sale transaction information, and remits the sale proceeds to the account of the crypto-asset market.
Upon receiving the sale proceeds, the crypto-asset management processing unit 111 of the server 10 adds the sale proceeds to the surplus fund balance of the crypto-asset management data 152 . In addition, the crypto-asset management processing unit 111 of the server 10 subtracts the amount of the sale from the deposit balance.

Note that the crypto-asset management processing unit 111 of the server 10 may remit the sales proceeds obtained in the partial crypto-asset sale process to the futures server 50 as the futures margin money. In this case, in the futures position partial liquidation process, the amount of the futures position to be settled may be set to be smaller than the case where the sale price is not taken into account, considering the sale proceeds that can be obtained in the crypto asset partial sale processing. OK, you don't have to.

If the margin maintenance rate is greater than or equal to the first predetermined maintenance rate (S550: YES), the crypto-asset management processing unit 111 of the server 10 skips steps S560 and S570.

Next, the crypto asset management processing unit 111 of the server 10 determines whether or not the surplus fund balance is greater than a predetermined value ("0" as an example, not a limitation) (S580).

If the surplus funds balance is greater than the predetermined value (S580: YES), the crypto-asset management processing unit 111 of the server 10 determines whether the daily operation processing date is a business day of the futures exchange brokered by the futures broker. Determine (S590).

If it is a business day of the futures exchange (S590: YES), the crypto-asset management processing unit 111 of the server 10 executes crypto-asset purchase amount setting processing (S600).

In the crypto-asset purchase amount setting process, the crypto-asset management processing unit 111 of the server 10 purchases using the surplus funds balance based on the dollar conversion rate, the surplus funds balance, and the spot price of the crypto-assets, for example and not limitation. Calculate the amount of crypto assets (hereinafter referred to as “additional crypto asset amount under management”).

The additional amount of crypto assets under management can be calculated by the following formula as an example and not as a limitation.
“Additional amount of crypto assets under management” = “surplus funds balance” x (1 – “dollar conversion rate”) / “crypto asset spot price”

Then, the crypto-asset management processing unit 111 of the server 10 executes crypto-asset purchase processing (S610).

In the crypto-asset purchase process, the crypto-asset management processing unit 111 of the server 10 transmits the crypto-asset additional purchase transaction information for purchasing the crypto-asset for the additional operation crypto-asset amount to the exchange server 40 via the communication I/F 14. do. Then, the crypto-asset transaction processing unit 411 of the exchange server 40 trades the crypto-asset based on the received crypto-asset additional purchase transaction information, and withdraws the purchase price from the account (surplus funds balance) of the crypto-asset market. Then, the crypto-asset transaction processing unit 411 of the exchange server 40 issues a transaction for transferring the purchased crypto-asset to the crypto-asset wallet address for crypto-asset management held by the crypto-asset market.
When the block containing the issued transaction is taken into the crypto-asset blockchain (the transaction is approved), the crypto-asset management processing unit 111 of the server 10 reads the new block of the crypto-asset blockchain and includes it in the new block. Get a transaction.
Then, the crypto-asset management processing unit 111 of the server 10 updates the deposited cash balance and the surplus fund balance of the crypto-asset management data 152 .

After that, the crypto asset management processing unit 111 of the server 10 executes the futures margin replenishment processing (S620). The futures margin replenishment process can be performed, by way of example and not limitation, in the same manner as step S360 of FIG.

After executing the futures margin replenishment process, the crypto asset management processing unit 111 of the server 10 executes the futures sale hedge transaction process (S630).

In the futures selling hedge transaction processing, the crypto-asset management processing unit 111 of the server 10 transmits the futures transaction order information for the futures sale of the crypto-assets corresponding to the amount of the additionally managed crypto-assets by way of the communication I/F 14 as an example and not a limitation. Send to server 50 . Then, the futures transaction order processing unit 511 of the futures server 50 contracts the futures transaction based on the received futures transaction order information, and transmits futures transaction result information including the contracted futures position to the server 10 via the communication I/F 54. do. When the futures transaction result information is received from the futures server 50 via the communication I/F 14, the crypto-asset management processing unit 111 of the server 10 updates the futures position management data of the crypto-asset operation management data 152 based on the received futures transaction result information. Update.

If it is not a business day of the futures exchange (S590: NO), the crypto-asset management processing unit 111 of the server 10 skips steps S600 to S630.

If the surplus fund balance is equal to or less than the predetermined value (S580: NO), the crypto-asset management processing unit 111 of the server 10 skips steps S590 to S630.

If it is not in the contango state (S520: NO), the crypto-asset management processing unit 111 of the server 10 executes futures position liquidation processing (S640).
The futures position liquidation process may be performed, by way of example and not limitation, in the same manner as step S420 of FIG.

Then, the crypto-asset management processing unit 111 of the server 10 executes processing for selling the entire deposited crypto-asset (S650).
The process of selling the entire amount of deposited crypto assets can be executed in the same manner as the step of S380 in FIG. 13 as an example and not a limitation.

In other words, when the crypto-asset futures market is not in a contango state (backwardation), the crypto-asset sales office cashes out the entire amount of the deposited crypto-asset as a surplus fund balance (converts to the first legal currency). and hold.

Returning to FIG. 11, upon receiving the daily operation processing, the crypto-asset management processing unit 111 of the server 10 determines whether or not to terminate the processing (S190). As a condition for terminating the process, as an example and not limitation, a case where the stop of the crypto-asset lending service in the crypto-asset application is selected based on an input (user operation) to the input/output unit 12 of the server 10 can be mentioned.

If it is selected not to end the process (S190: NO), the crypto-asset management processing unit 111 of the server 10 returns the process to step S110.

When ending the process is selected (S190: YES), the crypto-asset management processing unit 111 of the server 10 ends the process.

<Display screen>
In the following, as an example and not a limitation, a case where the terminal 20 is a smart phone having a vertically long display unit 24 will be illustrated.

As an example and not a limitation, a smartphone has a touch panel that functions as an input unit facing its display, thereby forming a touch screen. When an element such as an icon, button, item, or input area is displayed on the display, if the user operates an area that is part of the touch panel and faces the area where the element is displayed, A program associated with the element or a subroutine of that program is executed.

Hereinafter, the user's operation will be described as a tap (tap operation) as an example and not as a limitation.
A tap (tap operation) is, for example and not limitation, an operation in which the user touches the display unit 24 (touch screen) integrated with a touch panel by lightly tapping the display unit 24 (touch screen) with a finger or a pen tip, or touches and then releases It is action.

Note that the transition of the display screens described below is merely an example of the transition of the display screens for realizing the technique of the present disclosure. Regarding the transition of the display screens illustrated below, the display of a part of the display screens may be omitted, or another display screen may be added.

16 and 17 are screen diagrams showing an example of screen transitions displayed on the display unit 24 of the terminal 20 in this embodiment.
The left side of FIG. 16 shows, by way of example and not limitation, user A.A. 10 is a home screen of the crypto asset application displayed on the display unit 24 of A's terminal 20A.

At the top of the screen, the characters “Crypto-asset App” are displayed as the name of the crypto-asset application. Below that, there is provided an area showing the title of the current screen (page) in the crypto asset application (hereinafter referred to as a “title display area”). In this example, the characters "Home" indicating the home screen are displayed in the title display area.

Below the title display area is the user A. A total assets display area TAR1, which is the market capitalization of crypto assets managed (held) by A, is displayed. Under the total assets display area, a crypto-asset price confirmation area PCR1 for displaying crypto-assets that can be traded at the crypto-asset market and the exchange rate is displayed.

In this example, user A. Assume that A holds bitcoin "15" BTC as a crypto asset. As an example and not a limitation, in the crypto asset price confirmation area PCR1, the Bitcoin exchange rate (Bitcoin price) is "30,000" USD/BTC, and the exchange rate has increased to "+3.24%" compared to the previous day. what has been done is displayed. At the bottom of the crypto-asset price confirmation area PCR1, the price movement of bitcoin from “2020/12/1” to “2021/1/1” is displayed in an upward-sloping graph.
User A. is displayed in total assets display area TAR1. It is displayed that A holds crypto assets equivalent to "450,000" USD.

Below the crypto-asset price confirmation area PCR1, a notification display area NT1 from the crypto-asset seller that provides the crypto-asset service is displayed. In the notification display area NT1, a message is displayed indicating that the cryptocurrency market accepts cryptocurrency lending from the user.

At the bottom of the screen, an application menu selection area for cryptocurrency applications is displayed. In the application menu selection area, as an example and not limitation, a home button indicated by the characters "home" for transitioning to the home screen, and indicated by the characters "wallet" for performing deposits and withdrawals to and from the cryptocurrency wallet. A crypto asset lending button indicated by the letters “Lending” for lending crypto assets, and an account edit button indicated by the letters “Account” for checking and changing account registration information. are displayed side by side.

As a non-limiting example, when the user taps the crypto asset lending button, the display transitions to the screen in the center of FIG. 16 as a non-limiting example. In this screen, characters of "Crypto-asset lending" are displayed in the title display area to indicate that the screen is a crypto-asset lending screen.

Below the title display area is displayed a lending condition confirmation display area ICR1 for displaying the interest rate and lending period for lending crypto assets.
The lending condition confirmation display area ICR1 displays that the interest rate for bitcoin lending is 2.0% per annum and the lending period is 1 month.

Under the lending condition confirmation display area ICR1, a lending amount designation area ADR1 is displayed for designating the amount to be lent out when cryptocurrency is lent out.
The lending amount designation area ADR1 displays that the lending amount designated by the user is "15" BTC, which is equivalent to "450,000" USD at the current exchange rate. Further, below that, it is displayed that the amount of crypto assets held by the user is "15" BTC. That is, the amount of crypto assets held by the user is the maximum lending amount.

Note that the amount of crypto assets to be lent may or may not be specified by inputting the USD conversion amount based on the user's operation in the lending amount specifying area ADR1.

As a non-limiting example, when the user taps the crypto asset lending application button BT1 indicated by the characters "application" displayed under the lending quantity designation area ADR1, as a non-limiting example, the right side of FIG. The display transitions to the screen.

In this screen, a message is displayed below the title display area indicating that an application has been made to lend the crypto assets in the amount specified in the lending amount specifying area ADR1. Below that, interest will be granted at an annual rate of “2.0%” on “15” BTC equivalent to “450,000” USD that has been lent, and will be returned in Bitcoin equivalent to “450,750” USD. It is displayed that it will be returned on the date "2021/2/1". However, since the exchange rate at the time of return is unknown, the amount of Bitcoin to be returned is displayed as "?" BTC.

Instead of the dollar-converted return amount of "450,750 USD", the dollar-converted interest amount of "750" USD, which is the interest amount in conversion of the first legal currency granted on the scheduled repayment date, may be displayed. and do not have to. Also, the dollar-converted return amount, the dollar-converted deposit amount, and the dollar-converted interest amount may or may not be displayed together.

In addition, before lending crypto assets, the screen on the right side of FIG. 16 is displayed as a final confirmation, and when a crypto assets lending application button (not shown) on the right side of FIG. 16 is tapped, lending of crypto assets is performed. You may or may not do so.

The left side of FIG. 17 is an example of the home screen for “2021/2/1”, which is the crypto asset return date.
In this screen, in the crypto asset price confirmation area PCR2, the Bitcoin exchange rate (Bitcoin price) is "25,000" USD/BTC, and the exchange rate has dropped to "-6.33%" compared to the previous day. is displayed. In addition, below the crypto-asset price confirmation area PCR2, the price movement of bitcoin from "2021/1/1" to "2021/2/1" is displayed in a mountain-shaped graph.
User A. is displayed in total assets display area TAR2. It is displayed that A holds crypto assets equivalent to "450,750" USD.

Below the crypto-asset price confirmation area PCR2 is displayed a notification display area NT2 from the crypto-asset seller who provides the crypto-asset service. In the notification display area NT2, a message is displayed indicating that the crypto assets lent by the user to the crypto asset sales office have been converted.

As an example and not a limitation, when the notification display area NT2 is tapped by the user, the display transitions to the crypto asset lending screen on the right side of FIG. 17 as an example and not a limitation.

On this screen, a message is displayed below the title display area indicating that the lent crypto assets have been returned to the user. Below that, interest is granted at an annual rate of ``2.0''% for ``15'' BTC equivalent to ``450,000'' USD that has been lent, and ``18.03'' equivalent to ``450,750'' USD. It is displayed that BTC was returned on the return date "2021/2/1".

In addition, instead of the dollar-converted refund amount of "450,750 USD", the dollar-converted interest amount of "750" USD, which is the interest amount in conversion of the first legal currency granted on the refund date, may be displayed. , does not have to be that way. Also, the dollar-converted return amount, the dollar-converted deposit amount, and the dollar-converted interest amount may or may not be displayed together.

In addition, instead of the crypto asset return balance of "18.03" BTC, it may be possible to display the cash balance at the time of return of "18" BTC and the interest balance of "0.03" BTC separately. does not have to be The crypto asset return balance, the balance in kind at the time of return, and the balance in kind for interest may be displayed together, or may not be displayed.

<Effect of the first embodiment>
The present embodiment is a program executed by the server 10 (not limited to, but an example of a system that acquires information about crypto assets owned by a user of a terminal), and performs crypto asset deposit interest rate calculation processing (not limited to, crypto an example of control for calculating the interest rate on asset lending), sending crypto asset deposit interest rate information (not a limitation, but an example of control for displaying information on the interest rate on the terminal); Newly deposited crypto asset partial sale processing (not limited, control of selling a part of the deposit physical balance (not limited, but an example of the first asset amount) that is the asset amount of crypto assets that the user has permitted to lend out) futures margin replenishment processing (not limited to, but an example of control to replenish margins related to futures transactions); execution of a futures position liquidation process (not a limitation, but an example of a control to exercise rights), and a return crypto asset purchase process (not a limitation, (an example of controlling the purchase of crypto assets using at least a portion of the total amount of margin and the amount obtained by exercising rights), and the processing of returning crypto assets with interest (not limited to Instead, the physical deposit balance at the time of return (not limited, but an example of the second asset amount), which is the asset amount of the crypto asset equivalent to the principal amount based on the deposit physical balance (not limited, but an example of the first asset amount); The crypto asset return balance (not limited, but an example of the total asset amount), which is the sum of the interest cash balance (not limited, but an example of the third asset amount), which is the asset amount of the crypto asset equivalent to the interest rate, to the user (an example of associated control).
As an example of the effect of the embodiment obtained by such a configuration, the crypto-asset deposit interest rate is displayed on the terminal of the user, and when the user agrees to lend the crypto-asset, the cash balance at the time of return equivalent to the principal amount , and the interest-bearing physical balance equivalent to the interest rate are returned to the user. can.

In addition, this embodiment shows a program configuration in which crypto asset deposit interest rate information (not limited, but an example of interest rate information) includes a dollar-converted interest amount (not limited, but an example of information about a third asset amount). there is
As an example of the effect of the embodiment obtained by such a configuration, the profit that can be provided to the user at the stage of lending the crypto-asset when the spot price of the crypto-asset at the time of return of the crypto-asset is not fixed. The corresponding amount can be notified in advance.

In addition, this embodiment shows a program configuration in which the crypto asset deposit interest rate information (not limited, but an example of interest rate information) includes a dollar-converted return amount (not limited, but an example of information about the total asset amount). .
As an example of the effect of the embodiment obtained by such a configuration, at the stage of lending the crypto-asset when the spot price of the crypto-asset at the time of returning the crypto-asset is not fixed, the crypto-asset can be returned to the user. can be notified in advance of the amount equivalent to

In addition, the present embodiment has a program configuration in which a crypto-asset deposit interest rate (an example of a non-limiting interest rate) is calculated based on a crypto-asset implied interest rate (not a limitation, but an example of a crypto-asset implied interest rate). showing.
As an example of the effect of the embodiment obtained by such a configuration, by using the crypto-asset implied interest rate based on the relationship between the futures price and the spot price of the crypto-asset for the calculation of the interest rate, Interest rate can be obtained.

In addition, in this embodiment, new futures selling hedge transaction processing (not limited, but an example of control to purchase rights) is the contango state of crypto assets (not limited, spot price (not limited, but an example of spot price) (an example of a futures price of a crypto-asset higher than the futures price of a crypto-asset) is a control to purchase a futures position (an example of a right to sell a futures of a crypto-asset, not a limitation), and the futures position liquidation process or futures position roll Over processing (not a limitation, but an example of a control to exercise rights) indicates a program configuration that will be executed by an expiration date (not a limitation, but an example of a cryptocurrency futures expiry date).
As an example of the effect of the embodiment obtained by such a configuration, by purchasing a futures selling position of crypto assets based on the contango state, the purchase price of the futures selling position at the time of purchasing the futures selling position It is possible to take advantage of the trend that the difference between the first price and the spot price at the expiry date is less than the difference between the first price and the spot price.

In addition, this embodiment shows a program configuration in which crypto asset deposit interest rate information (not limited, but an example of interest rate information) includes a return date (not limited, but an example of information about a due date).
As an example of the effect of the embodiment obtained by such a configuration, it is possible to notify the user in advance of the time conditions for applying the presented interest rate.

In addition, in the present embodiment, the futures position partial liquidation processing and the crypto asset partial sale processing (not limited, but an example of control to replenish the margin) are in a contango state (not limited, the crypto asset An example of when the futures price of crypto assets is higher than the spot price), a program configuration that is a control to sell a part of the deposited spot balance (not limited, but an example of the first asset amount) to replenish the margin is shown.
As an example of the effect of the embodiment obtained by such a configuration, a portion of the crypto assets deposited by the user is sold to replenish the margin, a futures selling position is purchased based on the margin, and a contango state is obtained. can be used to make a profit.

In addition, in the present embodiment, in the case of backwardation (not limited to, but an example of the case where the futures price of the crypto-asset is not higher than the spot price of the crypto-asset), the process of selling the entire amount of the newly deposited crypto-asset ( A non-limiting example of control that sells all of the deposited physical balance (not a limitation, but an example of the first asset amount) to make it a surplus funds balance (not a limitation, an example of funds that can be used to purchase crypto assets) ) shows the program structure including executing
As an example of the effect of the embodiment obtained by such a configuration, when the actual value of the cryptographic assets deposited by the user is higher than the futures, the entire amount of the cryptographic assets deposited by the user is sold. By keeping it as a surplus fund balance, it is possible to secure the purchase capacity of crypto assets after that and the purchase capacity of the futures selling position.

In addition, in the case of a contango state (not limited, but an example of a case where the futures price of the crypto-asset is higher than the spot price of the crypto-asset), the crypto-asset purchase process (not limited to , an example of control to purchase crypto assets using part of the funds) and futures sell hedge transaction processing (not limited to, control to purchase rights related to the sale of futures of crypto assets using part of the funds (example of ).
As an example of the effect of the embodiment obtained by such a configuration, when the non-contango state changes to the contango state, the surplus funds balance is used to purchase crypto assets, and the surplus funds balance is used to sell futures. By purchasing a position, it is possible to make a profit in response to changing circumstances.

Further, this embodiment shows a program configuration based on a futures position (not limiting, but an example of a right) based on a first predetermined maintenance rate (not limiting, but an example of leverage of a predetermined multiple).
As an example of the effect of the embodiment obtained by such a configuration, it is possible to obtain a profit based on a multiple of leverage using margin money.

In addition, in the present embodiment, when the margin maintenance rate is lower than the first predetermined maintenance rate (not limited, but an example when the margin is lower than the reference value), the crypto asset partial sale processing (not limited, It shows a program configuration including execution of (an example of control to sell part of the crypto assets and replenish the margin).
As an example of the effect of the embodiment obtained by such a configuration, it is possible to replenish the margin by selling the secured crypto assets and maintain the futures selling position.

<First modification (1)>
In the first embodiment, the US dollar (USD) is exemplified as the first legal currency, but it is not limited to this. By way of example and not limitation, the first legal currency may or may not be the Japanese Yen (JPY) or the Euro (EUR).

In this case, the crypto-asset transaction processing unit 411 of the exchange server 40 performs intermediation processing regarding purchase/sale of crypto-asset denominated in the first legal currency in the crypto-asset transaction, as an example and not a limitation.
Further, in this case, the futures transaction order acceptance processing unit 511 of the futures server 50 accepts the first legal currency as a margin for the futures transaction, for example and not limitation, and accepts an order/receipt related to the crypto asset futures transaction denominated in the first legal currency. Execute payment processing.

<First modification (2)>
Although Bitcoin (BTC) was exemplified as cryptocurrency in the first embodiment, it is not limited to this. By way of example and not limitation, crypto assets may or may not be Ethereum (ETH) or Link (LK).

In order to properly calculate the expected rate of return after deducting risk, it is necessary to obtain a reasonable HV. Therefore, it is desirable that the crypto-asset to be lent by the user is a crypto-asset that has already been traded in the first legal currency for a certain period of time.

<First modification (3)>
In the first embodiment, the crypto-asset management processing unit 111 of the server 10 executes the new crypto-asset deposit process when executing the crypto-asset deposit interest rate calculation process, but the present invention is not limited to this. As an example and not a limitation, if the calculated crypto-asset deposit interest rate is lower than a predetermined value (annual rate of "0.1"% as an example, not a limitation), the crypto-asset management processing unit 111 of the server 10 sets the crypto-asset deposit interest rate Information transmission and new crypto-asset deposit processing may or may not be performed.

If the calculated crypto-asset deposit interest rate is lower than the predetermined value, the crypto-asset management processing unit 111 of the server 10 sends crypto-asset deposit refusal information to the terminal 20A instead of the crypto-asset deposit interest rate information. may be sent to Then, the control unit 21 of the terminal 20A may cause the display unit 24 to display the received deposit refusal information.

If the crypto-asset exchange rate fluctuates by a predetermined percentage or more within a predetermined period, the crypto-asset management processing unit 111 of the server 10 executes crypto-asset deposit interest rate calculation processing and transmits crypto-asset deposit interest rate information to the terminal 20. By doing so, the user of the terminal 20 may or may not be prompted to lend the cryptocurrency.

Further, if the value of the crypto-asset in terms of the first legal currency has not increased within the predetermined period, the crypto-asset management processing unit 111 of the server 10 executes the crypto-asset deposit interest rate calculation process, and sends the crypto-asset By transmitting the deposit interest rate information, the user of the terminal 20 may or may not be prompted to lend the crypto asset.

<First modification (4)>
In the first embodiment, in the daily operation process, if the margin maintenance rate is equal to or higher than the first predetermined maintenance rate (S550 in FIG. 15: YES), the crypto asset management processing unit 111 of the server 10 (S580 in FIG. 15), but the present invention is not limited to this. As an example and not a limitation, the crypto asset management processing unit 111 of the server 10 sets the margin maintenance rate to the first predetermined maintenance rate when the margin maintenance rate is equal to or higher than the first predetermined maintenance rate (S550 in FIG. 15: YES). It may be determined whether or not it is equal to or greater than a second predetermined maintenance rate, or it may not be so.

When the margin maintenance rate is equal to or higher than the second predetermined maintenance rate, the crypto-asset management processing unit 111 of the server 10, for example and not limitation, determines the margin maintenance rate Any amount that satisfies that is equal to or greater than the first predetermined maintenance rate is withdrawn from the deposit margin and added to the surplus funds balance. S580 in FIG. 15 branches to YES.

Note that the second predetermined maintenance rate can be set, as an example and not as a limitation, to a value at which the leverage is "Z" times (Z is an arbitrary natural number such that "Z<Y") or less. This allows you to reduce your margin deposit amount if your leverage drops too low and use that amount for additional crypto asset physical holdings and hedging. Therefore, operational efficiency can be improved.

In this modification, when the margin maintenance rate is equal to or higher than the second predetermined maintenance rate (not a limitation, but an example of when the margin does not fall below the reference value), withdraw from the deposit margin and add Addition control (not limited, but an example of control to make part of the margin money available for purchase of crypto assets) and crypto asset purchase processing (not limited, using part of the funds to an example of control to purchase assets) and sell futures hedge transaction processing (not limited to, but an example of control to purchase rights related to the sale of cryptocurrency futures using a portion of the funds). It shows the program structure.
As an example of the effect of the embodiment obtained by such a configuration, when the margin maintenance rate is equal to or higher than the second predetermined maintenance rate, the margin is used to purchase crypto assets, and the margin is used to By purchasing a short futures position, it is possible to profit from changing conditions.

<First modification (5)>
In the first embodiment, the crypto-asset management processing unit 111 of the server 10 executes the interest-bearing deposited crypto-asset return process when it is the crypto-asset return date, but the present invention is not limited to this. As an example and not a limitation, if the crypto-asset management processing unit 111 of the server 10 receives the crypto-asset return request information requesting the refund of the crypto-asset from the terminal 20A by the crypto-asset return date, the crypto-asset return with interest It may or may not take action.

When the control unit 21 of the terminal 20A transmits the crypto-asset deposit request information (A130 in FIG. 11) as an example and not a limitation, the crypto-asset is returned (returned) on the crypto-asset return date, or the lending is continued. The display unit 24 is caused to display a display for selection as to whether to continue operation. As an example and not a limitation, when receiving a return of crypto-asset is selected based on an input (user operation) to the input/output unit 23 of the terminal 20A, the control unit 21 of the terminal 20A sends the crypto-asset return request information. It transmits to the server 10 by communication I/F22.

If the crypto-asset return request information is not received by the crypto-asset return date, the crypto-asset management processing unit 111 of the server 10 does not execute the interest-bearing deposited crypto-asset return process in the crypto-asset return process, for example and not as a limitation. . The crypto-asset management processing unit 111 of the server 10 executes the crypto-asset deposit interest rate calculation process again to calculate the crypto-asset deposit interest rate for continuous operation. Then, the crypto-asset management processing unit 111 of the server 10 performs the new crypto-asset deposit process again with the crypto-asset of the crypto-asset return balance as the newly deposited crypto-asset.

As a result, continuous operation can be performed until the user requests the return of the crypto assets.

<First modification (6)>
In the first embodiment, the crypto-asset application processing unit 211 of the terminal 20A displays the crypto-asset interest rate information on the display unit 24 upon receiving the crypto-asset interest rate information, but the present invention is not limited to this. As an example and not a limitation, the crypto-asset application processing unit 211 of the terminal 20A is instructed to sell the crypto-asset based on an input (user operation) to the input/output unit 23 of the terminal 20A as an example and not a limitation. The display unit 24 may or may not display the crypto-asset interest rate information or a display prompting the display of the crypto-asset interest rate information.

FIG. 18 shows an example of a display screen in this modified example.
The left side of FIG. 18 shows, by way of example and not by way of limitation, user A.A. 10 is a home screen of the crypto asset application displayed on the display unit 24 of A's terminal 20A.

As an example and not a limitation, when the user taps the crypto-asset price confirmation area PCR2, the display transitions to the screen in the center of FIG. 18 as an example and not a limitation. In this screen, the characters "Crypto Asset Trading" indicating that it is a crypto asset trading screen are displayed in the title display area.

Below the title display area, the exchange rate of bitcoin, which is a crypto asset to be traded, and the amount owned by the user are displayed. In addition, at the bottom of the crypto asset trading screen, there is a crypto asset purchase button BT2 indicated by the characters "purchase" that transitions to a screen for purchasing bitcoins, and a "sell" button that transitions to a screen for selling bitcoins. A crypto asset sale button BT3 indicated by letters is displayed.

As an example and not a limitation, when the crypto asset sale button BT3 is tapped by the user, the display transitions to the screen on the right side of FIG. 18 as an example and not a limitation.

In this screen, a crypto asset lending proposal display area LPR1 is popped up in the center of the screen in FIG. 18 to prompt the user to lend the crypto asset that the user wishes to sell.

In the crypto-asset lending proposal display area LPR1, the words "Would you like to lend the crypto-asset?" prompting the user to lend out the crypto-asset that the user wishes to sell, and a message that the lent crypto-asset will be depleted at a price equivalent to USD. The characters "USD Price Principal Guarantee!"
The crypto-asset loan proposal display area LPR1 may or may not display the crypto-asset deposit interest rate or the lending period, or both.

Below the crypto-asset lending proposal display area LPR1 is displayed a lending condition display button LCR1 indicated by the words "see conditions" for transitioning to the crypto-asset lending screen.

As a non-limiting example, when the user taps the lending condition display button LCR1, as a non-limiting example, the display transitions to a crypto asset lending screen similar to that in the center of FIG. 16 .

The crypto-asset lending proposal display area LPR1 may be displayed only when the price of the crypto-asset is falling (as an example, not limiting, the price compared to the previous day is negative), or may not be displayed. good. In addition, the crypto-asset lending proposal display area LPR1 may be displayed only when the calculated crypto-asset deposit interest rate is equal to or higher than a predetermined interest rate (annual rate of "3"% as an example, not a limitation). You don't have to.

In this modification, the display of the crypto-asset lending proposal display area (not a limitation, but an example of control for displaying information about the interest rate) is based on the fact that an operation for selling the crypto-asset has been performed on the terminal. It shows the program structure to be executed.
As an example of the effect of the embodiment obtained by such a configuration, it is possible to present to a user who intends to sell a crypto asset that the principal on a legal currency basis can be secured and a profit can be obtained from the loan. Thus, the user can be made to recognize that it is more profitable to accept the loan of the crypto-assets than to sell the crypto-assets, thereby promoting the lending of the crypto-assets. In addition, since it becomes possible for the manager to manage a larger amount of crypto-assets, it is possible to increase the profit from the management.

<First modification (7)>
In the first embodiment, the contango state is a state in which the futures price is higher than the spot price (spot price), but it is not limited to this. By way of example, and not limitation, a contango state may be a state in which futures prices with further expiry dates are higher than futures prices with closer expiry dates (nearest expiry date).

<Second embodiment>
In the second embodiment, by way of example and not limitation, a user lends (loans) a crypto asset held by a crypto asset merchant based on a deposit interest rate offered by the crypto asset merchant. In this embodiment, the crypto-asset seller manages the crypto-asset deposited by the user and returns the crypto-asset to the user with interest.

When the crypto assets deposited by the user are returned, they are returned to the user as crypto assets having a second legal currency conversion value obtained by adding interest to the second legal currency conversion value at the time of deposit. However, the second legal currency is a legal currency different from the first legal currency. The crypto asset exchange and the futures exchange use the first legal currency as trading value and margin money.

In the second embodiment, Bitcoin (BTC) will be used as an example of a crypto asset, not as a limitation, as an example. Also, by way of example and not limitation, description will be made using the US dollar (USD) as an example of the first legal currency. Also, as an example and not a limitation, the description will be made using the Japanese Yen (JPY) as an example of the second legal currency. Also, as an example and not a limitation, as an example of crypto asset futures trading, a US dollar-denominated bitcoin futures similar to the first embodiment will be described.

The content described in the second embodiment can be applied to each of the other embodiments and each of the other modifications.
Moreover, the same code|symbol is attached|subjected about the component same as an already-appearing component, and description for the second time is abbreviate|omitted.

In the deposited crypto-asset management data of the crypto-asset management data 152, for example and not limitation, a crypto-asset application ID and a yen-converted deposit amount are associated and stored.

The Yen-converted deposit amount is the price of the crypto-asset converted into the second legal currency, converted at the exchange rate at the crypto-asset market when the crypto-asset seller accepts the crypto-asset loan from the user. The yen-converted deposit amount may be referred to as the second legal currency-converted deposit amount.

By way of example and not limitation, when the exchange rate for borrowing crypto assets from the user is "1" BTC="3,000,000" JPY, user A. When A lends "15" BTC to the crypto asset market, the yen-converted deposit amount is "3,000,000×15"="45,000,000" JPY.

Further, the futures position management data of the crypto-asset management data 152 stores, as futures position data, not only US dollar-denominated bitcoin futures positions but also Japanese yen/US dollar futures positions.

In this embodiment, in the new crypto-asset deposit process, the control unit of the crypto-asset management system uses the futures margin replenished in the futures margin replenishment process (step S360 in FIG. 13) to Perform foreign exchange forward contracts (forward exchange contracts, forward exchange contracts) of Japanese Yen/US Dollar.

In the crypto-asset return process, the control unit of the crypto-asset management system adds the gain/loss of the foreign exchange futures contract to the surplus fund balance after the futures position settlement process (step S420 in FIG. 14). The control unit of the crypto-asset management system calculates the yen-converted return amount by applying the crypto-asset deposit interest rate to the yen-converted deposit amount in the return crypto-asset purchase process (step S430 in FIG. 14). Then, the control unit of the crypto-asset management system calculates the crypto-asset return balance based on the yen-converted refund amount, the deposit balance, and the yen-denominated crypto-asset spot transaction price (yen-denominated exchange rate) at the time of crypto-asset return. .

In the crypto-asset deposit interest rate calculation process, the deposit interest rate presented to the customer can be calculated by the following formula as an example and not as a limitation.

“Deposit interest rate offered to customers” = “Expected return after deducting risk” - “USD hedge cost” - “Transaction cost rate” - “Crypto-asset dealer return”

Here, the USD hedge cost rate is a cost rate that accompanies a foreign exchange futures contract, and as a non-limiting example, it can be calculated by the following formula (6) based on the USD interest rate and the JPY interest rate. .

The JPY interest rate refers to the implied interest rate (future interest rate) of the second legal currency (in this example, the Japanese Yen). The JPY interest rate can be said to be the second legal currency interest rate.

Also, the transaction cost rate is, for example and not limitation, the sum of the crypto-asset spot transaction cost rate, the crypto-asset futures transaction cost rate, and the JPY futures transaction cost rate that can be calculated by the following formula (7).

Unit JPY Futures Spot Trading Cost means, by way of example and not limitation, the commission incurred on trading JPY/USD futures per unit amount (eg, without limitation, "10,000" JPY) as quoted by the Futures Trading Broker. rate.

<Display screen>
19 and 20 are screen diagrams showing an example of screen transitions displayed on the display unit 24 of the terminal 20 in this embodiment.

FIGS. 19-20 are, by way of example and not limitation, an example transition of a crypto asset application similar to FIGS. 16-17 when “1” USD=“100” JPY. To simplify the explanation, an example in which the exchange rate does not fluctuate between the crypto-asset deposit date and the crypto-asset return date will be shown.

On the left side of FIG. 19, the crypto-asset price confirmation area PCR3 displays that the bitcoin exchange rate (bitcoin price) is “3,000,000” yen (JPY)/BTC.
User A. is displayed in total assets display area TAR3. It is displayed that A holds crypto assets equivalent to "45,000,000" yen.

In the center of FIG. 19, in the lending quantity designation area ADR2, it is displayed that the lending quantity designated by the user is "15" BTC, which is equivalent to "45,000,000" yen at the current exchange rate. Further, below that, it is displayed that the amount of crypto assets held by the user is "15" BTC.

On the right side of FIG. 19, interest is granted at an annual rate of “2.0%” to “15” BTC equivalent to “45,000,000” yen that has been lent, and bit equivalent to “45,075,000” yen It is displayed that it will be returned in coins on the scheduled return date "2021/2/1". However, since the exchange rate at the time of return is unknown, the amount of Bitcoin to be returned is displayed as "?" BTC.

On the left side of FIG. 20, in the crypto-asset price confirmation area PCR4, it is displayed that the bitcoin exchange rate (bitcoin price) has fallen to “2,500,000” yen/BTC.
User A. is displayed in total assets display area TAR4. It is displayed that A holds crypto assets equivalent to "45,075,000 yen".

On the right side of Fig. 20, interest is given at an annual rate of "2.0"% to "15" BTC equivalent to "45,000,000" yen that has been lent, and "45,075,000" equivalent to " 18.03” BTC has been returned on the return date “2021/2/1”.

<Effect of Second Embodiment>
This embodiment shows that USD-denominated Bitcoin futures (an example, without limitation, of crypto-asset futures) can be purchased with USD (an example, without limitation, of a first fiat currency), and the crypto-asset deposit interest rate is Transmission of information (without limitation, to the terminal, the price of crypto assets in units of Japanese yen (not limitation, but an example of a second legal currency) different from US dollars (an example of a first legal currency, without limitation) (an example of a control to display based on the statutory currency), the deposit interest rate offered to the customer (an example of an interest rate, not a limitation), the USD hedge cost rate (not a limitation, the first legal currency and the second legal currency This shows the program structure calculated based on (an example of currency hedging costs with currencies).
As an example of the effect of the embodiment obtained by such a configuration, even if futures of crypto assets can be purchased in US dollars but cannot be directly purchased in Japanese yen, exchange rates between US dollars and Japanese yen Hedging makes it possible to provide profits from lending crypto assets while securing the principal on a Japanese yen basis.

<Others>
Systems to which the technique of the present disclosure can be applied are not limited to the above systems.
A system that does not include a server can also be applied without being limited to a system that includes a terminal and a server. This is, by way of example and not by way of limitation, a system as follows.
・A system in which terminals have server functions (distributed system). This can be accomplished using the blockchain technology described above, by way of example and not limitation.
・A system in which terminals communicate wirelessly with each other. As an example and not a limitation, this can be realized by performing communication in a P2P (Peer-to-Peer) method or the like using short-range wireless communication technology such as Bluetooth.

1 communication system 10 server 20 terminal 30 network 40 exchange server 50 futures server

Claims (16)

A program executed by a system that acquires information about crypto assets owned by a terminal user,
executing control to calculate an interest rate for lending the crypto asset;
executing control for displaying information on the interest rate on the terminal;
executing control to sell a portion of the first asset amount, which is the asset amount of the crypto asset permitted to be lent by the user, to replenish the margin for futures trading;
exercising control to purchase a right to sell futures of said crypto-asset;
exercising controls to exercise said rights;
exercising control to purchase the crypto asset using at least a portion of the total amount of the margin and the amount obtained by exercising the right;
The total asset amount of the second asset amount, which is the asset amount of the crypto-asset equivalent to the principal amount based on the said first asset amount, and the third asset amount, which is the asset amount of the crypto-asset equivalent to the interest rate executing controls associated with the user;
A program that contains . The program of claim 1,
A program in which the information on the interest rate includes information on the amount equivalent to the third asset amount. The program of claim 2,
A program in which the information on the interest rate includes information on the amount equivalent to the total amount of assets. The program according to any one of claims 1 to 3,
A program in which the interest rate is calculated based on the implied interest rate of the crypto asset. The program according to any one of claims 1 to 4,
A program in which the control for displaying the information on the interest rate is executed based on an operation for selling the crypto asset at the terminal. The program according to any one of claims 1 to 5,
The control to purchase the right is control to purchase the right to sell the crypto-asset futures based on the fact that the futures price of the crypto-asset is higher than the spot price of the crypto-asset;
The control for exercising the rights is a program executed by the expiry date of the futures of the crypto-assets. The program of claim 6,
A program in which the information on the interest rate includes information on the due date. The program according to claim 6 or claim 7,
The control for replenishing the margin is control for replenishing the margin by selling part of the first asset amount when the futures price of the crypto-asset is higher than the spot price of the crypto-asset. program. The program of claim 8,
When the futures price of the crypto-asset is not higher than the spot price of the crypto-asset, selling the entire first asset amount to make it available for purchase of the crypto-asset; A program that contains . The program of claim 9,
control of purchasing the crypto-asset using a portion of the funds when the futures price of the crypto-asset becomes higher than the spot price of the crypto-asset; a program comprising: controlling and executing to purchase rights relating to the sale of cryptocurrency futures; The program according to any one of claims 1 to 10,
A program in which said rights are based on a predetermined multiple of leverage. 12. The program of claim 11,
A program comprising executing control to sell part of the crypto assets and replenish the margin when the margin falls below a reference value. 13. The program of claim 12,
controlling a portion of the margin to be a fund that can be used to purchase the cryptographic asset when the margin has not fallen below the reference value; a program comprising: executing a purchase control; and using a portion of the funds to purchase a right to sell the cryptocurrency futures. The program according to any one of claims 1 to 13,
The crypto asset futures can be purchased with a first legal currency,
executing control to cause the terminal to display the price of the crypto-asset based on a unit of a second legal currency different from the first legal currency;
A program in which the interest rate is calculated based on an exchange hedge cost between the first legal currency and the second legal currency. An information processing method for a system that acquires information about crypto assets owned by a user of a terminal,
executing control to calculate an interest rate for lending the crypto asset;
executing control for displaying information on the interest rate on the terminal;
executing control to sell a portion of the first asset amount, which is the asset amount of the crypto asset permitted to be lent by the user, to replenish the margin for futures trading;
exercising control to purchase a right to sell futures of said crypto-asset;
exercising controls to exercise said rights;
exercising control to purchase the crypto-asset using at least a portion of the sum of the margin and the amount obtained by exercising the right;
The total asset amount of the second asset amount, which is the asset amount of the crypto-asset equivalent to the principal amount based on the said first asset amount, and the third asset amount, which is the asset amount of the crypto-asset equivalent to the interest rate and executing a control associated with the user. A system for acquiring information about crypto assets owned by a user of a terminal,
Control for calculating an interest rate for lending the crypto assets;
Control for displaying information about the interest rate on the terminal;
control to sell a part of the first asset amount, which is the asset amount of the crypto asset permitted to be lent by the user, to replenish the margin for futures trading;
control to purchase rights related to the sale of futures of the crypto-asset;
control over exercising said rights;
Controlling purchase of the crypto asset using at least part of the total amount of the margin and the amount obtained by exercising the right;
The total asset amount of the second asset amount, which is the asset amount of the crypto-asset equivalent to the principal amount based on the said first asset amount, and the third asset amount, which is the asset amount of the crypto-asset equivalent to the interest rate a control associated with said user;

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