JP2024000463A - Debit service providing system using digital assets - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a debit service providing system capable of selecting various assets to be liquidated by holding digital assets for immediate settlement.

SOLUTION: A debit service providing system 1 using a block chain and a smart contract is provided with: liquidation target preferred asset selection accepting means 11 which accepts, from a debit card user, the selection designation of either cash deposited in a debit card user (consumer) account such as a bank or a digital asset deposited in a debit card user account on the side of a crypto asset exchange operator as an asset to be prioritized as a liquidation target when making debit card payments; payment cashing instruction means 12 which has a function of instructing the cashing of a digital asset token for the amount of money required for liquidation when the selection designation of a digital asset token is accepted as an asset to be prioritized as a liquidation target; and cash conversion means 13 which has a function of converting the digital asset token into cash for the amount of money required for liquidation.

SELECTED DRAWING: Figure 1

COPYRIGHT: (C)2024,JPO&INPIT

Description

The present invention relates to a debit service providing system using digital assets configured using distributed technology such as blockchain and smart contracts.

Debit cards basically include types such as J Debit, which are cash cards from financial institutions such as banks with debit functions, and credit cards from financial institutions such as credit companies with debit functions. There is something.
When a product is purchased using a debit card, the amount is immediately withdrawn from the debit card user's (consumer's) account, which is deposited in a linked financial institution such as a bank.

However, conventionally, debit systems have not been able to use digital assets as liquidation targets.
The inventor has considered and studied a system that allows digital assets such as gold coins managed in accounts of crypto asset exchange companies affiliated with banks and other financial institutions to be used for settlement when making debit card payments. , we have developed a system that can achieve various effects not found in conventional debit systems.

The present invention has been made in view of the above-mentioned problems, and allows instant settlement by holding digital assets, allows selection of various digital assets as settlement targets, allows immediate settlement even if cash is insufficient for the settlement amount, and enables payment in foreign countries. The aim is to provide a system for providing debit services using digital assets that can be easily liquidated and liquidated using assets that are advantageous depending on economic conditions and fluctuations in value.

In order to achieve the above objective, the debit service provision system using digital assets according to the present invention provides tokens (a general term for values defined digitally in distributed technology such as blockchain), digital currency, tokens and digital currency. , or a distributed ledger in at least one type of distributed technology such as blockchain, for managing transactions between all forms of digital assets, such as between tokens or between digital currencies, and a digital asset managed by the distributed ledger. It is a debit service provision system using digital assets that is built with a smart contract to perform predetermined processing using assets, and it is a debit service provision system that uses digital assets. Choice of either cash deposited in a debit card user (consumer) account at a financial institution such as, or digital asset tokens deposited in a debit card user (consumer) account at a crypto asset exchange company. The priority asset selection designation receiving means for liquidation has a function of accepting designations from debit card users (consumers), and the priority asset selection and designation receiving means for liquidation selects the crypto asset exchanger's debit card as the asset to be prioritized as the liquidation target. A cash conversion instruction means having a function of instructing the conversion of digital asset tokens for the amount necessary for liquidation into cash when a selection designation of digital asset tokens deposited in a card user (consumer) account is received; Upon receiving an instruction from the payment cash conversion instruction means, convert the digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchange company into cash for the amount necessary for liquidation. The present invention is characterized by having a cash conversion means having the function of
Note that a "smart contract" in this specification is a program that automates processing and runs on distributed technology such as blockchain.

Further, in the debit service providing system using digital assets of the present invention, the cash conversion means has a function of instantly converting money into cash at a payment price (a streaming rate of crossing that can be traded in units of 1 yen), and The amount paid is locked and cleared in the system of a financial institution such as a bank. ) It has a function to send a telegram instructing the transfer of the amount of cash to a bank account, and also periodically sends the cash for multiple amounts locked by the cash conversion means to a financial institution such as a bank. It is preferable to have a cash transfer means with the ability to transfer to a debit card user (consumer) account at the institution.

In addition, in the debit service providing system using digital assets of the present invention, a cash conversion function is provided that has a function of receiving from a seller (seller, sales company) a designation as to whether or not to convert digital asset tokens into cash. The means for accepting refusal designation and the means for accepting priority asset selection for liquidation are deposited into the debit card user (consumer) account of the crypto asset exchange company as assets to be prioritized as liquidation targets when making debit card payments. In the case where a selection designation of a digital asset token is accepted, and if the cash conversion necessity designation receiving means accepts a designation that the digital asset token does not need to be converted to cash, the crypto asset exchanger side debit by the cash conversion means While controlling the digital asset tokens deposited in the card user (consumer) account so that the amount necessary for liquidating the digital asset tokens will not be converted into cash, the system of the crypto asset exchange company A cash conversion control means that has the function of instructing the transfer of digital asset tokens from the debit card user (consumer) account on the side to the seller (seller, sales company) account on the crypto asset exchange company side. It is preferable to further include.

Further, in the debit service providing system using digital assets of the present invention, the liquidation target priority asset selection designation receiving means selects a crypto asset exchange company's debit card as an asset to be prioritized as a liquidation target when making a payment with a debit card. If the selection designation of digital asset tokens deposited in the card user (consumer) account is accepted, multiple brands of digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchange company are accepted. The above-mentioned cash conversion instruction means further has a function of receiving from a debit card user (consumer) a designation of the ranking of digital asset token brands to be prioritized as liquidation targets when making a payment with a debit card; The cash conversion means further has a function of instructing cashing of the digital asset tokens for the amount necessary for liquidation according to the ranking designation of the digital asset token brands accepted by the liquidation target priority asset selection designation receiving means, and the cash conversion means The digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchange company are required for liquidation according to the ranking designation of digital asset token stocks accepted by the priority asset selection designation reception means for liquidation. It is preferable to further have a function of converting the amount of money into cash.

In addition, in the debit service providing system using digital assets of the present invention, the transaction record (including the transaction amount and applicable rate when digital asset tokens are converted into cash by the cash conversion means) for payments made with a debit card. It is preferable to further include transaction record reference means having a function that allows a customer (debit card user (consumer)) to refer to the transaction record.

Further, in the debit service providing system using digital assets of the present invention, the payment cashing instruction means is an asset that the liquidation target priority asset selection designation receiving means prioritizes as a liquidation target when making a payment with a debit card. As a result, if we receive a selection designation for cash deposited in a debit card user (consumer) account at a financial institution such as a bank, The cash converting means further has a function of instructing the cash conversion of the amount necessary for liquidating the shortfall when the deposited cash does not meet the amount necessary for liquidation, and the cash conversion means When we receive instructions to cash out the amount necessary to settle the shortfall from The cash transfer means further has a function of automatically converting the digital asset token into cash, and the cash transfer means transfers the shortfall converted by the cash conversion means to a debit card user (consumer) account at a financial institution such as a bank. It is preferable to further have a function of transferring cash.

In addition, in the debit service providing system using digital assets of the present invention, the amount paid when making a payment using a debit card is deposited into the debit card user's (consumer's) account at a financial institution such as a bank. Cash/digital asset tokens that have the function of accepting settings from debit card users (consumers) for the settlement ratio between cash and digital asset tokens deposited in debit card user (consumer) accounts at crypto asset exchange companies. It has a liquidation ratio setting reception means, and the payment cashing instruction means receives the debit card user (consumer) account of the crypto asset exchange company for the liquidation amount accepted by the cash/digital asset token liquidation ratio setting reception means. The cash conversion means further has a function of instructing cashing of the liquidation ratio of the digital asset tokens deposited in the digital asset token, and when the cash conversion means receives an instruction to cash the liquidation ratio of the digital asset tokens deposited in the cash converting means, The cash/digital asset token liquidation ratio setting reception means automatically cashes the liquidation ratio of digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchange company against the liquidation amount accepted by the cash/digital asset token liquidation ratio setting reception means. The cash transfer means transfers cash equivalent to the liquidation ratio of the digital asset tokens converted into cash by the cash conversion means to a debit card user (consumer) account at a financial institution such as a bank. It is preferable to further have a transfer function.

In addition, in the debit service providing system using digital assets of the present invention, the payment incretion instruction means may be configured to provide financial support to a bank or other financial institution if the amount to be settled when making a payment using a debit card is extremely large, exceeding a predetermined amount. Digital asset tokens deposited in debit card user (consumer) accounts on the crypto asset exchange side will be converted into cash in preference to cash deposited in debit card user (consumer) accounts on the institution side. Preferably, it further has a function of giving instructions.

Further, in the debit service providing system using digital assets of the present invention, the liquidation target priority asset selection designation receiving means selects a crypto asset exchange company's debit card as an asset to be prioritized as a liquidation target when making a payment with a debit card. In cases where we have received a selection designation for digital asset tokens deposited in a card user (consumer) account, we will also receive instructions for liquidation in a predetermined crypto asset such as gold coins from the debit card user (consumer). When the liquidation target priority asset selection designation receiving means receives a liquidation instruction in a predetermined crypto asset such as gold coin, the cash conversion control means controls the crypto asset exchanger side by the cash conversion means. While controlling the digital asset tokens deposited in the debit card user (consumer) account so that the amount necessary for liquidating the digital asset tokens is not converted into cash, the crypto asset exchanger's system performs liquidation (crypto asset exchange). A function to instruct the transfer of specified crypto assets, such as gold coins, from the merchant's debit card user (consumer) account to the crypto asset exchange provider's seller (retailer, sales company) account. It is preferable to further include.

Further, in the debit service providing system using digital assets of the present invention, the liquidation target priority asset selection designation receiving means selects a crypto asset exchanger as an asset to be prioritized as a liquidation target when making a payment using a debit card. The cash conversion control means further has a function of accepting from a debit card user (consumer) a designation of the ranking of stable coins of each country deposited in the debit card user's (consumer) account, and the cash conversion control means If the asset selection designation receiving means accepts the designation of a stablecoin from a given country as an asset to be prioritized for liquidation, the funds will be deposited into the debit card user (consumer) account of the crypto asset exchanger by the cash conversion means. While controlling the amount necessary for liquidating the digital asset tokens held by the crypto asset exchange company to avoid converting them into cash, the system of the crypto asset exchange company processes the liquidation (from the debit card user (consumer) account of the crypto asset exchange company). It is preferable to further have a function of instructing the transfer of stable coins of a predetermined country for the payment amount to a seller (seller, sales company) account on the crypto asset exchange company side.

Further, in the debit service providing system using digital assets of the present invention, the liquidation target priority asset selection designation receiving means selects a crypto asset exchanger as an asset to be prioritized as a liquidation target when making a payment using a debit card. In the event that we receive a selection designation for digital asset tokens deposited in a debit card user (consumer) account, we will also accept designated crypto assets such as _CO2 emissions credits (or tokens with similar characteristics). The cash conversion control means has a function of accepting a liquidation designation from a debit card user (consumer), and the cash conversion control means allows the liquidation target priority asset selection designation receiving means to designate liquidation with a predetermined cryptographic asset such as CO ₂ emission rights. is received, the cash conversion means is controlled so as not to convert into cash the amount necessary for liquidating the digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchange company. Meanwhile, the system of the crypto asset exchange company will process the settlement (the amount of the payment from the debit card user (consumer) account of the crypto asset exchange company to the seller (retailer, sales company) account of the crypto asset exchange company). It is preferable to further have a function of instructing the transfer of a predetermined cryptographic asset (or tokens having similar characteristics) such as CO ₂ emission rights.

Further, in the debit service providing system using digital assets of the present invention, the liquidation target priority asset selection designation receiving means is configured to receive a plurality of funds deposited in the debit card user (consumer) account of the crypto asset exchange company. For different types of assets (points, digital currencies, stable coins, stable products), we have added a function that allows debit card users (consumers) to specify the priority of assets to be prioritized for liquidation when making debit card payments. The cash conversion instructing means further has a function of instructing the cash conversion of assets for the price necessary for liquidation according to the order designation of a plurality of different types of assets received by the liquidation target priority asset selection designation receiving means. The cash conversion means converts the debit card user (consumer) account of the crypto asset exchange company in accordance with the order designation of the plurality of different types of assets accepted by the liquidation target priority asset selection designation reception means. It is preferable to further have a function of converting assets deposited into cash into cash for the amount necessary for liquidation.

According to the present invention, instant settlement can be made by holding digital assets, various digital assets can be selected as settlement targets, immediate settlement can be performed even if cash is insufficient for the settlement amount, settlement can be easily carried out in a foreign country, and economic conditions A debit service provision system using digital assets that allows liquidation with advantageous assets according to fluctuations in value can be obtained.

1 is a block diagram conceptually showing the configuration of a debit service providing system using digital assets according to an embodiment of the present invention. 2 is an explanatory diagram conceptually showing the configuration and function of a liquidation target priority asset selection designation receiving means in the debit service providing system using digital assets of FIG. 1. FIG. FIG. 3 is an explanatory diagram conceptually showing an example of a selection designation input reception screen that functions as a liquidation target priority asset selection designation reception means in FIG. 2; FIG. 2 is an explanatory diagram conceptually showing the configuration and function of a payment cashing instruction means in the debit service providing system using digital assets in FIG. 1. FIG. 2 is an explanatory diagram conceptually showing the configuration and function of a cash conversion means in the debit service providing system using digital assets in FIG. 1. FIG. 2 is an explanatory diagram conceptually showing the configuration and function of a cash transfer means in the debit service providing system using digital assets in FIG. 1. FIG. FIG. 2 is an explanatory diagram conceptually showing the configuration and function of a cash conversion necessity designation receiving means in the debit service providing system using digital assets shown in FIG. 1; 2 is an explanatory diagram conceptually showing the configuration and function of a cash conversion control means in the debit service providing system using digital assets in FIG. 1. FIG. 2 is an explanatory diagram conceptually showing the configuration and function of a transaction record reference means in the debit service providing system using digital assets in FIG. 1. FIG. FIG. 1 is an explanatory diagram conceptually showing the configuration and function of the cash/digital asset token settlement ratio setting reception means in the debit service providing system using digital assets, in which (a) is a block diagram and (b) is a functioning settlement FIG. 3 is a diagram conceptually showing an example of a ratio setting reception screen. Explanation of the process of selecting and specifying assets to be prioritized as liquidation targets and setting the cash/digital asset token liquidation ratio when making payments by debit card users (consumers) using the debit service provision system using digital assets shown in Figure 1. It is a diagram. FIG. 2 is an explanatory diagram of a process for specifying whether or not a digital asset needs to be converted into cash by a seller (seller, sales company) using the debit service providing system using digital assets in FIG. 1; FIG. 2 is an explanatory diagram showing one aspect of the flow of settlement processing using the debit service providing system using digital assets of FIG. 1. FIG. FIG. 2 is an explanatory diagram showing another aspect of the flow of settlement processing using the debit service providing system using digital assets of FIG. 1; FIG. 2 is an explanatory diagram showing still another aspect of the flow of settlement processing using the debit service providing system using digital assets of FIG. 1; FIG. 2 is an explanatory diagram showing still another aspect of the flow of settlement processing using the debit service providing system using digital assets of FIG. 1; FIG. 2 is an explanatory diagram showing still another aspect of the flow of settlement processing using the debit service providing system using digital assets of FIG. 1; FIG. 2 is an explanatory diagram showing still another aspect of the flow of settlement processing using the debit service providing system using digital assets of FIG. 1; FIG. 2 is an explanatory diagram showing still another aspect of the flow of settlement processing using the debit service providing system using digital assets of FIG. 1; FIG. 2 is an explanatory diagram showing still another aspect of the flow of settlement processing using the debit service providing system using digital assets of FIG. 1; FIG. 2 is an explanatory diagram showing still another aspect of the flow of settlement processing using the debit service providing system using digital assets of FIG. 1;

Prior to describing the embodiments, the circumstances leading to the derivation of the present invention and the effects of the present invention will be described.

(1) Consideration and consideration of the use of digital asset tokens for debit services Debit cards basically include types such as J Debit, which are cash cards from financial institutions such as banks with debit functions added, and credit card companies. There are credit cards from financial institutions with debit functions added.
When a product is purchased using a debit card, the amount is immediately withdrawn from the debit card user's (consumer's) account, which is deposited in a linked financial institution such as a bank.
However, until now, there have been no debit cards that allow digital assets to be used for settlement.

By the way, the inventor of the present invention has been considering and considering from various perspectives the construction of a system for trading digital assets using decentralized technologies such as blockchain and smart contracts.

Therefore, the inventor of the present invention has constructed a debit system that allows digital asset tokens such as gold coins managed in accounts of crypto asset exchange companies affiliated with banks and other financial institutions to be used for settlement when making debit card payments. In order to achieve this goal, we conducted the following considerations and examinations.

In addition, when considering and considering the construction of a debit system, it is necessary to establish a system connection between financial institutions such as banks and crypto asset exchange providers, as a prerequisite for enabling digital asset tokens to be used for settlement. Basically, we assumed a configuration in which both accounts are linked to the same person (one side's account is systematically recorded with the other side's account number).

(1-1) Selection and designation of assets to be prioritized as liquidation targets during payment The idea was to allow debit card users (consumers) to select and specify either cash deposited in their accounts or digital asset tokens as assets to be used.

In the previous payment method using digital asset tokens, the seller (retailer, sales company) had an account with the crypto asset exchange company, and the purchase price was transferred from the customer (consumer) to the seller of the crypto asset exchange company. (Seller, sales company) When an account was paid with digital asset tokens, the paid digital asset tokens were immediately converted into cash.

In the debit card payment method in the debit system considered and considered by the inventor, when a debit card user (consumer) uses a debit card to pay a purchase price to a seller (seller, sales company). Assets that are prioritized by debit card users (consumers) for liquidation include cash deposited in the debit card user's (consumer) account with a financial institution such as a bank, and a debit card with a crypto asset exchange company. Allow users (consumers) to select and specify any of the digital asset tokens deposited in their accounts. If a debit card user (consumer) selects and specifies a digital asset token as an asset to be prioritized for liquidation, the debit card user (consumer) must specify in advance the crypto asset exchanger's account (and the digital asset token). ), the digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchange company are immediately converted into cash etc. and liquidated.

(1-2) Specifying whether or not to convert Digital Asset Tokens into cash The inventor also specified that the seller (seller, sales company) should specify whether or not to convert Digital Asset Tokens into cash. I thought of making it possible to specify. If a debit card user (consumer) selects and specifies a digital asset token as an asset to be prioritized for liquidation, the seller (retailer, sales company) specifies that the digital asset token does not need to be converted into cash. In this case, the digital asset tokens deposited by the debit card user (consumer) into the debit card user (consumer) account at the crypto asset exchange company are used for settlement without being converted to cash. I thought about making it possible to do this as well.

(1-3) Specifying the order of digital asset token brands to be prioritized for liquidation . Also, depending on the debit card user (consumer), multiple In some cases, digital asset tokens of brands are deposited. For this reason, the inventor of the present invention has developed a system that allows debit card users (consumers) to prioritize digital services for payment within the payment processing service screen linked to debit card user (consumer) accounts at financial institutions such as banks. We thought of making it possible to specify the ranking of asset token stocks.

(1-4) Processing when digital asset tokens are prioritized as a liquidation target in payment The inventor shall be responsible for the The idea was to have the financial institution's system send instructions to cash out the amount required for settlement to the crypto asset exchange company's system. Then, when the system of the crypto asset exchange company receives an instruction to cash out from the system of a financial institution such as a bank, it immediately converts digital asset tokens at the payment price (streaming rate of crossing that can be traded in units of 1 yen). At the same time, the cashed amount is locked and cleared in the system of a financial institution such as a bank (from the debit card user (consumer) account of the bank or other financial institution to the bank or other financial institution The idea was to send a message instructing the seller (retailer, sales company) to transfer the amount of cash to the account.
The locked cash amount may be immediately transferred as digital currency to the debit card user's (consumer's) account at a financial institution such as a bank, but preferably, it is transferred daily in order to streamline the transaction volume. I thought about transferring all the data in one process when the next day changes.

(1-5) Reference to transaction records In addition, the inventor of the present invention has disclosed that the transaction records (including the transaction amount and applicable rate when digital asset tokens are converted into cash) are the customers (e.g., debit card users (consumers)). )) thought to be able to refer to it.

(2) Consideration and examination of the application of a debit system that utilizes digital asset tokens In addition, in view of the possibility that the low interest rate era will continue for a long period of time, the inventor of the present invention intends to utilize the assets he owns as advantageously as possible. We considered and considered the application of a debit system that utilizes digital asset tokens, with the aim of making it possible to do so.

(2-1) Selection and liquidation of assets to be prioritized for liquidation when the cash deposited in the debit card user (consumer) account of a financial institution such as a bank satisfies the amount necessary for liquidation. Setting the liquidation ratio of assets to be liquidated relative to the amount, and setting the liquidation object in the case of ultra-large amount liquidation.In the debit system considered and considered by the inventor of the present invention, when paying with a debit card, the debit card user (consumer) is the object of liquidation. If you select cash deposited in a bank's debit card user (consumer) account as the priority asset, the debit card user's (consumer) account of a linked bank or other financial institution is selected. Clear from deposit. In this case, assuming that the individual (debit card user (consumer)) and the bank enter into a contract, linking the debit card user (consumer) account of the crypto asset exchange company that will be the affiliated account, for example, When the debit card user (consumer) account deposit at a financial institution such as a bank does not meet the amount required for settlement, digital assets are deposited into the debit card user (consumer) account at the crypto asset exchange company. Asset tokens are automatically converted into cash, and settlement is performed by transferring the missing amount of cash to a debit card user (consumer) account at a financial institution such as a bank.

The inventor further proposed that by applying the above debit system, even if the cash deposited in the debit card user's (consumer's) account at a financial institution such as a bank satisfies the amount required for settlement, Debit card users (consumers) will also be able to designate digital asset tokens deposited in their debit card user (consumer) accounts at crypto asset exchange providers as assets that will be prioritized for liquidation. In addition, the balance between the settlement amount and the amount deposited in the debit card user (consumer) account of a financial institution such as a bank and the digital asset token deposited in the debit card user (consumer) account of the crypto asset exchange company. It will be possible to set the liquidation ratio and to prioritize liquidation using digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchange company in the case of ultra-high value liquidation. I thought about that.
The minimum amount for ultra-high-value settlements is 2 million to 3 million yen, with possible amounts of 5 million yen or more. With such a high price, there will be no spread (commission) when converting digital assets into cash. For this reason, it is thought that there will be a major advantage for debit card users (consumers) with ultra-high-value transactions in terms of the burden of expenses associated with transactions.

(2-2) Designation of gold coins and stable currencies of each country as subject to liquidation.In addition, the inventor of the present invention expanded and improved the debit function, and instead of liquidating with cash such as ¥, the inventor of the present invention We are considering making it possible to designate crypto assets designated by debit card users (consumers) for liquidation, such as gold coins as digital asset tokens deposited in debit card users (consumers) accounts. Ta. In that case, pass the clearing information to the crypto asset exchange company and use the digital asset tokens such as gold coins deposited in the debit card user (consumer) account of the crypto asset exchange company to convert them into cash. Make sure to settle your account without any hassle. Gold coins and the like are considered to be effective when performing debit settlements overseas.

Furthermore, the inventor of the present invention is able to manage digital currencies in the debit card user (consumer) account of the crypto asset exchange company, and the stable yen is compared to stable US dollars, stable euros, and other countries' stable currencies. The idea was to make it possible to handle and manage coins, and also to be able to specify stable coins from other countries as targets for liquidation and use them for liquidation.

(2-3) Application of _CO2 emission crypto assets as digital assets that can be cleared in the debit system.In addition, the inventor of the present invention believes that if there is a strong tendency towards inflation in the future, _CO2 emissions can be used as a digital asset that can be used for settlement. Manage digital assets with a focus on carbon dioxide emissions crypto assets (or tokens with similar characteristics), and designate these _CO2 emissions crypto assets as objects for settlement in debit card payments like gold coins. I also thought about making it possible.

(3) Consideration and examination of the utilization of digital asset tokens for payment- related services of financial institutions such as credit companies We considered and examined the following.

(3-1) Types of payment services provided by financial institutions such as credit companies Payment services provided by financial institutions such as credit companies include credit cards, credit cards with debit functions (VISA debit, JCB debit).
If the payment is made with a credit card, the payment will be made after a predetermined period of time (for example, one month or more) has passed, and if the payment is made with a credit debit card, the payment will be processed immediately using the debit function added to the credit card.
Basically, with credit debit, the debit card user's (consumer's) account at a financial institution such as a bank is debited at any time for each payment, so it is expected that the fees charged to the member store will be higher. This will result in high-value small-lot payments, which will place a heavy burden on member stores, which will ultimately limit the number of member stores.
In addition, debit processing includes the above-mentioned J-Debit, which is a type of cash card issued by a financial institution such as a bank with a debit function added, and the type of J-Debit, which is a type of cash card issued by a financial institution such as a credit company with a debit function added. This type of credit/debit applies. In these debit processing, each time a payment is made, the debit card user (consumer) of the financial institution (bank or crypto asset exchange company where assets are deposited and payments are accepted) designated by the debit card user (consumer) (Consumer) Immediately withdraw the amount (or the equivalent amount of digital assets) from the account.
However, since the fees for each account payment process are high, if the payment is too small (for example, several thousand yen or less), the percentage of fees increases, which is disadvantageous.
On the other hand, for large-value payments (for example, 100,000 yen or more), it is considered to be an efficient payment method.
For example, if the processing fee per transaction is 100 yen, a 10% processing fee would be charged for a 1,000 yen purchase, which would be considered inefficient, but a 100,000 yen transaction would be 0.1%. This will result in a fee of .
Therefore, we believe that the range of fees of approximately less than 1% is the payment area where the service can be used efficiently.

(3-2) Current status of payment services In recent years, various new payment methods have emerged, and payment fees have been drastically reduced, the period until payment has been shortened, and advance payment is favorable for sellers (retailers and sales companies). There is a tendency for the number of payment-based services to increase.
Prepayment payment services are disadvantageous for users (debit card users (consumers)) in that they are not deferred payment services, but many of them also include reward services such as points, and Since it has the advantage of being usable without having to link it to a bank account, the range of users is expanding, and as a result, its market share is increasing.

(4) Consideration and consideration of the relationship between credit/debit and multiple payments The inventor further considered and examined the relationship between credit/debit and multiple payments.

(4-1) Types of using digital assets for payments There are basically two types of using digital assets for payments in the debit system considered and considered by the inventor of the present invention.

(4-1-1) In addition to expanding the logic of conventional debit (instant payment) and using the currency management of financial institutions such as banks, customers can use the debit card of the crypto asset exchange company to transfer digital assets. If the deposit is made in a customer (consumer) account, the necessary amount is converted into currency at the time of settlement.In this type, the seller, such as a store or sales company, wishes to receive the money in cash. In cases where the customer owns digital assets, the customer converts the required amount of digital assets in the address into cash using a smart contract or processing means with similar functionality, according to the rate distributed at the time of payment. and use it for payment.
In the case of instant settlement, it is necessary to confirm the required amount of assets immediately, and if the assets are not currency, it is necessary to perform immediate asset conversion.
In other words, when using J Debit or Credit Debit, you can specify the debit account of a crypto asset exchange company other than a financial institution such as a bank, or the address of a smart contract, and the usage fee can be debited from the specified account or address. Make it.

(4-1-2) Type of digital barter exchange for normal instant payment This type is a type of digital barter exchange that uses digital assets (e.g. gold coins) specified by the purchaser in payment between the customer (buyer) and the retailer (seller). This type allows payment.
In this type, the merchant is paid the digital asset amount for the payment immediately (the currency portion of the payment is converted into a payment amount in digital assets based on the delivery rate). However, if a merchant wishes to convert its digital assets into currency, it will be possible to convert the digital assets into currency by means of a smart contract or similar functional processing means, subject to the delivery rate. do.

(4-2) Multiple payments In multiple payments, basically various assets (points, digital currency, stable coins, stable products) are processed in accordance with the desired priority order of payments.

As described above, the inventor of the present invention has developed the digital assets of the present invention after repeated consideration and study to build a system that can use digital assets as liquidation targets using decentralized technology such as blockchain and smart contracts. This led to the derivation of a debit service provision system using assets.

The debit service provision system using digital assets of the present invention can be applied to tokens (a general term for values defined digitally in distributed technology such as blockchain), digital currency, tokens and digital currency, or tokens to each other, digital A distributed ledger in at least one type of distributed technology, such as blockchain, for managing transactions between all forms of digital assets, such as between currencies, and prescribed processing using digital assets managed by the distributed ledger. This is a debit service provision system using digital assets that is built with a smart contract to perform debit card payments. A debit card user (consumer) can select either cash deposited in the card user (consumer) account or digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchange company. The priority asset selection and designation receiving means for liquidation has the function of accepting requests from customers (consumers), and the crypto asset exchanger's debit card users (consumers) as assets prioritized as liquidation by the priority asset selection and designation receiving means for liquidation. When a selection designation of digital asset tokens deposited in an account is received, a cash conversion instruction means having a function of instructing the conversion of digital asset tokens equivalent to the amount necessary for liquidation into cash; A cash conversion means that has the function of converting the digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchange company into cash for the amount necessary for liquidation upon receiving instructions from It is composed of the following.

As in the debit service provision system using digital assets of the present invention, deposits are made into the debit card user (consumer) account of a financial institution such as a bank as an asset that is prioritized for settlement when making payments with a debit card. A clearing target that has the function of accepting a selection designation from a debit card user (consumer) of either cash that is currently being used or digital asset tokens that are deposited in the debit card user (consumer) account of the crypto asset exchange company. The priority asset selection designation receiving means and the digital asset token deposited in the debit card user (consumer) account of the crypto asset exchange company as assets to be prioritized as liquidation targets by the liquidation target priority asset selection designation receiving means. When the selection designation is received, a payment cashing instruction means having a function of instructing the cashing of digital asset tokens for the amount necessary for liquidation, and upon receiving an instruction from the payment cashing instruction means, the crypto asset A cash conversion means having a function of converting the digital asset token deposited in the debit card user (consumer) account of the exchange company into cash for the amount necessary for liquidation, By holding digital assets, debit card users (consumers) will be able to make instant payments using their debit cards, and will also be able to select between cash and digital assets as the subject of payment. Therefore, it is possible to make it easier to use a debit card.

Further, in the debit service providing system using digital assets of the present invention, preferably, the cash conversion means has a function of instantly converting the cash into cash at a payment price (a streaming rate of crossing that can be traded in units of 1 yen), and The cashed amount is locked and cleared in the system of a financial institution such as a bank (from the debit card user (consumer) account of a financial institution such as a bank to the seller (retailer, store, etc.) of a financial institution such as a bank. It has a function that sends a message instructing the customer to transfer the amount of cash to a sales company's account, and also periodically transfers the amount of cash for multiple items locked by the cash conversion means to a bank, etc. in one lump sum. The cash transfer means has the function of transferring cash to a debit card user (consumer) account at a financial institution.
In this way, while digital assets are used for liquidation, cash for liquidation can be secured, and it is possible to withdraw money from a bank account in the same way as in a conventional debit system. Additionally, if you configure the system so that cash for multiple payments is periodically transferred all at once to the debit card user's (consumer's) account at a financial institution such as a bank, it is possible to streamline the transaction volume. becomes.

Further, the debit service providing system using digital assets of the present invention preferably has a function of receiving a designation from a seller (seller, sales company) as to whether or not to convert digital asset tokens into cash. The conversion necessity/unnecessity designation reception means and the liquidation target priority asset selection designation reception means deposit into the debit card user (consumer) account of the crypto asset exchange company as an asset to be prioritized as a liquidation target when making a payment with a debit card. In the case where the selection designation of the digital asset token that has been selected is accepted, and the cash conversion necessity designation receiving means accepts the designation that the digital asset token does not need to be converted to cash, the crypto asset exchange business side by the cash conversion means Digital asset tokens deposited in the debit card user (consumer) account of the digital asset Cash conversion control that has the function of instructing the transfer of digital asset tokens from the debit card user (consumer) account of the exchange company to the seller (retailer, sales company) account of the crypto asset exchange company. The device further includes means.
In this way, sellers (sellers, sales companies) can choose digital assets in addition to cash as assets for payment, and they can use assets in various forms to cope with fluctuations in the economy and value. It becomes possible to hold

Further, in the debit service providing system using digital assets of the present invention, preferably, the liquidation target priority asset selection designation receiving means selects an asset to be prioritized as a liquidation target at the crypto asset exchange company when making a payment using a debit card. If the selection designation of digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchange company is accepted, the digital asset tokens of multiple stocks deposited in the debit card user (consumer) account of the crypto asset exchange company will be selected. Among the asset tokens, the method further has a function of receiving from a debit card user (consumer) a designation of the ranking of digital asset token brands to be prioritized as liquidation targets when making a payment with a debit card, and the said payment cashing instruction means , further has a function of instructing the conversion of the digital asset tokens necessary for liquidation into cash according to the ranking designation of the digital asset token brands accepted by the liquidation target priority asset selection designation receiving means, and the cash conversion means , liquidate the digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchange company in accordance with the ranking designation of digital asset token stocks accepted by the liquidation target priority asset selection designation reception means. The system further includes a function to convert the necessary amount of money into cash.
In this way, if a debit card user (consumer) holds multiple brands of digital assets in an account with a crypto asset exchange company, it is possible to select an advantageous brand of digital assets according to economic conditions and value fluctuations. can be subject to liquidation. Therefore, it becomes possible to make it easier to use a debit card.

In addition, the debit service providing system using digital assets of the present invention preferably provides transaction records for payments with debit cards (including transaction amounts and applicable rates when digital asset tokens are converted into cash by the cash conversion means). ), the transaction record reference means has a function of allowing a customer (debit card user (consumer)) to refer to the transaction record reference means.
In this way, when a debit card user (consumer) selects a digital asset for liquidation, the exchange rate at the time of converting the digital asset to cash, and the current rate due to the use of the digital asset for liquidation. It becomes possible to easily check the amount of digital assets deposited.

Further, in the debit service providing system using digital assets of the present invention, preferably, the payment cashing instruction means is configured so that the liquidation target priority asset selection designation receiving means gives priority as a liquidation target when making a payment with a debit card. In the case where we accept the selection designation of cash deposited in the debit card user (consumer) account of a financial institution such as a bank as the asset to be transferred, the debit card user (consumer) of the financial institution such as a bank The cash conversion means further has a function of instructing, when the cash deposited in the account does not meet the amount necessary for liquidation, to convert the amount necessary for liquidation into cash, and the cash conversion means converts the amount into cash. When receiving an instruction from the instruction means to cash out the amount necessary to settle the shortfall, the amount necessary to settle the shortfall deposited in the debit card user (consumer) account of the crypto asset exchange company. The cash transfer means further has a function of automatically converting digital asset tokens into cash, and the cash transfer means transfers the digital asset tokens converted by the cash conversion means to a debit card user (consumer) account at a financial institution such as a bank. The system is further configured to have a function of transferring the insufficient amount of cash.
In this way, even if the cash deposited in the debit card user (consumer) account at a financial institution such as a bank does not meet the amount required for settlement, the debit card can be used by holding digital assets. It becomes possible to make instant liquidation using .

In addition, the debit service providing system using digital assets of the present invention preferably deposits the amount of the settlement amount when making a payment using a debit card into a debit card user (consumer) account at a financial institution such as a bank. A cash exchange system that has the function of accepting from debit card users (consumers) the setting of the settlement ratio between cash and digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchange company. The digital asset token liquidation ratio setting reception means includes a digital asset token liquidation ratio setting reception means, and the cash/digital asset token liquidation ratio setting reception means includes a debit card user (consumption ) The cash conversion means further has a function of instructing the liquidation ratio of the digital asset tokens deposited in the account to be converted into cash, and the cash conversion means receives an instruction from the cash conversion instruction means to convert the liquidation ratio into cash. When the cash/digital asset token liquidation ratio setting reception means accepts the liquidation amount, the liquidation ratio of the digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchange company is automatically calculated. The cash transfer means transfers cash equivalent to the liquidation ratio of the digital asset tokens converted into cash by the cash conversion means to a debit card user (consumer) of a financial institution such as a bank. ) It is further configured to have the function of transferring money to a bank account.
In this way, in response to fluctuations in the value of cash and digital assets held by debit card users (consumers), it is possible to adjust the ratio of assets to make it more advantageous when liquidating, making it possible to use assets more favorably. can be held in Therefore, it becomes possible to make the debit card even easier to use.

Further, in the debit service providing system using digital assets of the present invention, preferably, the payment cashing instruction means is a bank, etc. when the payment amount for payment with a debit card is an extremely large amount exceeding a predetermined amount. Digital asset token cash deposited in the debit card user (consumer) account of the crypto asset exchange provider in preference to cash deposited in the debit card user (consumer) account of the financial institution of It is further configured to have a function of instructing the conversion.
If liquidation using digital asset tokens is prioritized in the case of such ultra-high-value liquidations, there will be no spread (fees) when converting digital assets into cash in the case of ultra-high-value liquidations. It becomes possible to significantly reduce the cost burden associated with payment for debit card users (consumers) who make high-value payments.

Further, in the debit service providing system using digital assets of the present invention, preferably, the liquidation target priority asset selection designation receiving means selects an asset to be prioritized as a liquidation target at the crypto asset exchange company when making a payment using a debit card. In the event that we accept the selection designation of digital asset tokens deposited in the debit card user (consumer) account of the debit card user (consumer), the debit card user (consumer) will further instruct the debit card user (consumer) to liquidate the specified crypto assets such as gold coins. When the liquidation target priority asset selection designation receiving means receives a liquidation instruction in a predetermined cryptographic asset such as gold coin, the cash conversion control means is configured to accept a liquidation instruction from a crypto asset exchanger using the cash conversion means. The system of the crypto-asset exchange company controls the payment of digital asset tokens deposited in the debit card user (consumer) account so as not to convert them into cash for the amount necessary for liquidation of the digital asset tokens. Instruct the transfer of specified crypto assets, such as gold coins, from the debit card user (consumer) account of the asset exchange company to the seller (retailer, sales company) account of the crypto asset exchange company It is configured with further functions.
In this way, it becomes possible to facilitate the use of overseas debit card payments.

Further, in the debit service providing system using digital assets of the present invention, preferably, the liquidation target priority asset selection designation receiving means selects a crypto asset exchanger as an asset to be prioritized as a liquidation target when making a payment with a debit card. The cash conversion control means further has a function of receiving, from the debit card user (consumer), a designation of the ranking of stable coins of each country deposited in the debit card user (consumer) account of the debit card user (consumer). If the target priority asset selection designation receiving means accepts the designation of a stablecoin of a given country as an asset to be prioritized for liquidation, the cash conversion means deposits it into the debit card user (consumer) account of the crypto asset exchange company. While controlling the amount necessary for liquidation of digital asset tokens to be not converted into cash, the system of the crypto-asset exchange operator is responsible for liquidating the digital asset tokens (debit card users (consumers) of the crypto-asset exchange operator). It is further configured to have a function of instructing the transfer of stable coins of a predetermined country for the payment amount from the account to the seller (seller, sales company) account of the crypto asset exchange company.
In this way, it becomes possible to facilitate the use of overseas debit card payments.

Further, in the debit service providing system using digital assets of the present invention, preferably, the liquidation target priority asset selection designation receiving means selects a crypto asset exchanger as an asset to be prioritized as a liquidation target when making a payment with a debit card. In the event that we accept the selection designation of digital asset tokens deposited in the debit card user (consumer) account of the _debit card user (consumer), the debit card user The cash conversion control means has a function of accepting payments from customers (consumers), and the cash conversion control means has a function of accepting priority asset selection designation for liquidation from a predetermined crypto asset (or tokens having characteristics similar thereto) such as _CO2 emission credits. If a liquidation designation is accepted, the cash conversion means will not convert into cash the amount necessary for liquidating the digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchange company. While controlling the system, the system of the crypto asset exchange company clears the payment (money is transferred from the debit card user (consumer) account of the crypto asset exchange company to the seller (retailer, sales company) account of the crypto asset exchange company. It is further configured to have a function of instructing the transfer of a predetermined cryptographic asset (or tokens having similar characteristics) such as CO ₂ emission rights.
In this way, it will be easier to deal with a situation where the inflation trend becomes stronger in the future.

Further, in the debit service providing system using digital assets of the present invention, preferably, the liquidation target priority asset selection designation receiving means is configured to deposit funds into a debit card user (consumer) account of a crypto asset exchange company. For multiple different types of assets (points, digital currencies, stable coins, stable products), we accept requests from debit card users (consumers) to specify the order of assets to be prioritized for liquidation when making debit card payments. Further having a function, the proceeds cashing instruction means instructs to convert the assets equivalent to the proceeds necessary for liquidation into cash according to the order designation of a plurality of different types of assets accepted by the liquidation target priority asset selection designation receiving means. The cash conversion means further has a function of converting a debit card user (consumer ) It is further configured to have the function of converting the assets deposited in the account into cash for the amount necessary for liquidation.
In this way, debit card users (consumers) can make payments using a variety of assets. Therefore, it becomes possible to make the debit card even easier to use.

Therefore, according to the present invention, instant settlement can be made by holding digital assets, various digital assets can be selected as settlement targets, immediate settlement can be performed even if cash is insufficient for the settlement amount, and settlement can be easily carried out in a foreign country. , it is possible to obtain a debit service provision system using digital assets that allows liquidation with advantageous assets depending on economic conditions and fluctuations in value.

Embodiments of the present invention will be described below with reference to the drawings as appropriate.
FIG. 1 is a block diagram conceptually showing the configuration of a debit service providing system using digital assets according to an embodiment of the present invention.
The debit service providing system 1 using digital assets of the present embodiment supports tokens (a general term for values defined digitally in distributed technology such as blockchain), digital currency, tokens and digital currency, or tokens and , a distributed ledger in at least one type of distributed technology such as blockchain, and a predetermined system using the digital assets managed by the distributed ledger, for managing transactions between all forms of digital assets, such as between digital currencies. For example, as shown in FIG. 1, the system is constructed with a smart contract for performing the processing, and includes, for example, a liquidation target priority asset selection designation receiving means 11, a payment cashing instruction means 12, and a cash conversion means. 13, cash transfer means 14, cash conversion necessity specification acceptance means 15, cash conversion control means 16, transaction record reference means 17, and cash/digital asset token liquidation ratio setting acceptance means 18. It is configured.
In addition, in the debit service providing system 1 using digital assets of the present embodiment, input means (not shown) having a screen display section and an input section of a computer terminal or other electronic device such as a mobile information terminal, Regarding the input ID, identity verification processing is automatically performed using My Number for individuals and Corporate Number for corporations, and each of the above smart contracts performs processing for the approved ID.
Further, the debit service providing system 1 using digital assets of the present embodiment is connected to a conventionally established debit system (not shown) such as a financial institution 70 such as a bank, or a financial institution 90 such as a credit company. There is.

Liquidation target priority asset selection designation reception means 11
The priority asset selection designation receiving means 11 to be liquidated is configured to input the information as shown in FIGS. As shown, it is configured with the following functions.
(11-1) Cash deposited in a debit card user (consumer) account at a financial institution 70 such as a bank, crypto asset exchange company 80, etc., as assets prioritized for settlement when making debit card payments. A function of receiving a selection designation from a debit card user (consumer) 50 of one of the digital asset tokens deposited in the debit card user (consumer) account.
In addition, the liquidation target priority asset selection specification receiving means 11 is configured to further have the following functions.
(11-2) Accepting the selection and designation of digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchange company 80 as assets to be prioritized for liquidation during debit card payments. In this case, among the multiple brands of digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchange company 80, the digital asset tokens to be prioritized for settlement when making a payment with a debit card. A function that accepts a ranking designation of stocks from a debit card user (consumer) 50.
(11-3) Accepting the selection and designation of digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchange company 80 as assets to be prioritized for liquidation during debit card payments. In such a case, a function to receive a payment instruction from a debit card user (consumer) 50 using a predetermined cryptographic asset (or tokens having similar characteristics) such as gold coins or _CO2 emission credits.
(11-4) Designation of stable coins from a specified country that are deposited in the debit card user (consumer) account of the crypto asset exchange company 80 as assets to be prioritized for settlement when making debit card payments. A function to accept from a debit card user (consumer) 50.
(11-5) Regarding multiple types of different assets (points, digital currency, stable coins, stable products) deposited in the debit card user (consumer) account on the crypto asset exchange company 80 side, the debit card A function to accept from a debit card user (consumer) 50 the order of assets to be prioritized as objects for settlement when making a settlement.

Payment cashing instruction means 12
For example, as shown in FIG. 4, the cash conversion instruction means 12 is configured to have the following functions.
(12-1) Selection and designation of digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchange company 80 side as assets to be prioritized as liquidation targets by the liquidation target priority asset selection designation reception means 11 A function that instructs to convert the amount of digital asset tokens required for liquidation into cash if the transaction is accepted.
Further, the payment cashing instruction means 12 is configured to further have the following functions.
(12-2) A function of instructing the cashing of digital asset tokens for the amount necessary for liquidation according to the order designation of the digital asset token brands accepted by the liquidation target priority asset selection designation receiving means 11.
(12-3) The priority asset selection designation reception unit 11 selects a debit card user (consumer) account at a financial institution 70 such as a bank as an asset to be prioritized as a liquidation target when making a payment using a debit card. When a selection designation of deposited cash is accepted, if the cash deposited in the debit card user's (consumer's) account at the bank or other financial institution 70 does not meet the amount required for settlement, a shortage occurs. A function that instructs the cashing of the amount necessary to settle the amount.
(12-4) The liquidation ratio of digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchanger 80 side relative to the liquidation amount accepted by the cash/digital asset token liquidation ratio setting reception means 18 A function that instructs you to convert the amount into cash.
(12-5) If the settlement amount when making a payment using a debit card is extremely large, exceeding a predetermined amount, the cash deposited in the debit card user (consumer) account at the financial institution 70 such as a bank A function that gives priority to the conversion of digital asset tokens deposited into the debit card user (consumer) account of the crypto asset exchange company 80 into cash.
(12-6) A function for instructing the conversion of assets for the price necessary for liquidation into cash according to the ranking designation of a plurality of different types of assets received by the liquidation target priority asset selection specification receiving means 11.

Cash conversion means 13
For example, as shown in FIG. 5, the cash conversion means 13 is configured to have the following functions.
(13-1) Upon receiving an instruction from the payment cashing instruction means 12, the digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchanger 80 are transferred as required for liquidation. A function to convert the payment amount into cash.
(13-1-1) In more detail, there is a function to instantly cash out at the payment price (Crossing's streaming rate, which allows transactions in units of 1 yen), and a function that locks the cashed amount and allows banks and other financial institutions to 70's system (transfer of cash from the debit card user (consumer) account of the financial institution 70 such as a bank to the seller's (retailer, sales company) account of the financial institution 70 such as a bank) A function to send a message instructing transfer.
Moreover, the cash conversion means 13 is configured to further have the following functions.
(13-2) Digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchange company 80 in accordance with the ranking designation of the digital asset token brand received by the liquidation target priority asset selection designation reception means 11 A function that converts asset tokens into cash for the amount required for liquidation.
(13-3) When an instruction is received from the cash conversion instruction means 12 to cash the amount necessary to settle the shortfall, the amount is deposited into the debit card user (consumer) account of the crypto asset exchange company 80. A function that automatically converts digital asset tokens into cash for the amount necessary to settle the shortfall.
(13-4) When receiving an instruction to cash out the liquidation ratio from the cash conversion instruction means 12, the crypto asset exchanger 80 side receives the liquidation amount received by the cash/digital asset token liquidation ratio setting reception means 18. A function that automatically converts the liquidation ratio of digital asset tokens deposited into debit card user (consumer) accounts into cash.
(13-5) Deposit is made in the debit card user (consumer) account of the crypto asset exchanger 80 in accordance with the order designation of multiple types of different assets accepted by the liquidation target priority asset selection designation reception means 11. A function that converts assets into cash for the amount necessary for liquidation.

Cash transfer means 14
For example, as shown in FIG. 6, the cash transfer means 14 is configured to have the following functions.
(14-1) A function that periodically transfers cash for multiple payments locked by the cash conversion means 13 to a debit card user (consumer) account at a financial institution 70 such as a bank.
Furthermore, the cash transfer means 14 is configured to further have the following functions.
(14-2) A function to transfer the insufficient amount of cash converted by the cash conversion means 13 to the debit card user (consumer) account on the side of the financial institution 70 such as a bank.
(14-3) A function of transferring cash equivalent to the liquidation ratio of digital asset tokens converted into cash by the cash conversion means 13 to a debit card user (consumer) account on the side of the financial institution 70 such as a bank.

Cash conversion necessity specification reception means 15
For example, as shown in FIG. 7, the cash conversion necessity specification receiving means 15 is configured to have the following functions.
(15-1) A function to receive a specification from the seller (seller, sales company) 60 as to whether or not to convert digital asset tokens into cash.

Cash conversion control means 16
For example, as shown in FIG. 8, the cash conversion control means 16 is configured to have the following functions.
(16-1) Priority asset selection and designation receiving means 11 deposits the asset into the debit card user (consumer) account of the crypto asset exchanger 80 as an asset to be prioritized as a liquidation target when making a payment with a debit card. When a selection designation of a digital asset token is received, and the cash conversion necessity designation receiving means 15 accepts the designation that the digital asset token does not need to be converted into cash, the crypto asset exchanger 80 side by the cash conversion means 13 80 debit card user (consumer) account, while controlling the amount necessary for liquidation of digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchanger 80 to prevent liquidation (cryptocurrency) from being converted into cash. A function to instruct the transfer of digital asset tokens equivalent to the price from a debit card user (consumer) account on the asset exchange company 80 side to a seller (seller, sales company) account on the crypto asset exchange company 80 side.
Moreover, the cash conversion control means 16 is configured to further have the following functions.
(16-2) When the liquidation target priority asset selection designation receiving means 11 receives a liquidation instruction in a predetermined crypto asset such as gold coin, the debit card user (consumption 80) While controlling the digital asset tokens deposited in the account so that the amount necessary for liquidating the digital asset tokens is not converted into cash, A function to instruct the transfer of predetermined crypto assets such as gold coins for the price from the card user (consumer) account to the seller (seller, sales company) account of the crypto asset exchange company 80 side.
(16-3) When the liquidation target priority asset selection designation reception means 11 accepts the designation of a stable coin of a given country as an asset to be prioritized as a liquidation target, the cash conversion means 13 uses the debit card of the crypto asset exchanger 80 side. While controlling the digital asset tokens deposited in the user (consumer) account so that the amount necessary for liquidating the digital asset tokens is not converted into cash, the system of the crypto asset exchanger 80 side performs liquidation (crypto asset exchanger A function to instruct the transfer of stable coins of a specified country for the amount of money from the debit card user (consumer) account on the 80 side to the seller (seller, sales company) account on the crypto asset exchange 80 side.
(16-4) When the liquidation target priority asset selection designation receiving means 11 accepts liquidation designation with a predetermined crypto asset such as CO ₂ emission rights, the debit card user of the crypto asset exchanger 80 by the cash conversion means 13 (Consumer) While controlling the digital asset tokens deposited in the account so that the amount necessary for liquidating the digital asset tokens is not converted into cash, the system of the crypto asset exchanger 80 side performs the liquidation (the crypto asset exchanger 80 side A function to instruct the transfer of specified crypto assets such as _CO2 emission credits for the price from the debit card user (consumer) account to the seller (seller, sales company) account of the crypto asset exchange company 80. .

Transaction record reference means 17
For example, as shown in FIG. 9, the transaction record reference means 17 is configured to have the following functions.
(17-1) The transaction record (including the transaction amount and applicable rate when digital asset tokens are converted into cash by the cash conversion means 13) for payments made with a debit card by the customer (debit card user (consumer) 50) Functions that can be referenced.

Cash/digital asset token liquidation ratio setting reception means 18
For example, as shown in FIG. 10, the cash/digital asset token liquidation ratio setting receiving means 18 is configured to have the following functions.
(18-1) Cash deposited in the debit card user (consumer) account on the bank or other financial institution 70 side and the debit card on the crypto asset exchange company 80 side for the settlement amount when paying with a debit card A function of accepting from a debit card user (consumer) 50 the setting of a settlement ratio with digital asset tokens deposited in the user's (consumer) account.

Processing using the debit service providing system 1 using digital assets of this embodiment configured as described above will be explained.

(A1) Selection and designation of assets to be prioritized for settlement during payment by debit card user (consumer) 50 (Figure 11)
When a debit card user (consumer) 50 uses a debit card to pay a purchase price to a seller (seller, sales company) 60, the debit card user (consumer) 50 selects priority assets for liquidation. Through the designated reception means 11, cash deposited in a debit card user (consumer) account on the side of a financial institution 70 such as a bank, and use of a debit card on the side of a crypto asset exchange company 80 are prioritized as assets to be liquidated. Select and specify one of the digital asset tokens deposited in the customer (consumer) account.
At this time, the debit card user (consumer) 50 further specifies the following as necessary.
・Of the multiple brands of digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchange company 80 side, the brand of the digital asset token that will be prioritized for settlement when making a payment with a debit card. Specify rank.
・Instruction for liquidation using designated crypto assets (or tokens with similar characteristics) such as gold coins and _CO2 emissions credits.
・Designation of stable coins of a specified country deposited in the debit card user (consumer) account of the crypto asset exchange company 80 as assets to be prioritized for liquidation when making payments with a debit card.
・Debit card payments for multiple different types of assets (points, digital currencies, stable coins, stable products) deposited in debit card user (consumer) accounts on the crypto asset exchange company 80 side. Specify the order of assets to be prioritized for liquidation.

(A2) Setting cash/digital asset token settlement ratio by debit card user (consumer) 50 (Figure 11)
In addition, the debit card user (consumer) 50 may, as necessary, send money to a financial institution such as a bank for the settlement amount when making a payment using a debit card via the cash/digital asset token settlement ratio setting reception means 18. Setting the settlement ratio between cash deposited in the debit card user (consumer) account on the 70 side and digital asset tokens deposited in the debit card user (consumer) account on the crypto asset exchange company 80 side. conduct.

(B) Designation by the seller (seller, sales company) 60 of whether digital assets need to be converted into cash (Figure 12)
The seller (seller, sales company) 60 specifies in advance whether or not the digital asset token should be converted into cash via the cash conversion necessity specification receiving means 15.

(C) Clearing process using digital assets based on selection designation and setting of clearing ratio (Figures 13 to 21)
The debit card user (consumer) 50 selects and specifies priority asset selection for liquidation via the liquidation target priority asset selection specification acceptance means 11, and the seller (seller, sales company) 60 selects and specifies digital asset assets via the cash conversion necessity specification acceptance unit 15. - When specifying whether or not to convert kun to cash, depending on the received content, the payment process using digital assets will be performed as follows.

(C-1) The liquidation target priority asset selection designation reception means 11 designates digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchange company 80 side as assets to be prioritized as liquidation targets. (from the debit card user (consumer) 50), and the cash conversion necessity specification acceptance means 15 accepts the specification of “required” (from the seller ()) regarding the necessity of converting digital asset tokens into cash. Payment processing using digital assets (Figure 13)
In this case, the payment cashing instruction means 12 instructs the cashing of digital asset tokens for the amount necessary for settlement.
When the cash conversion means 13 receives an instruction from the cash conversion instruction means 12, the cash conversion means 13 converts the digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchange company 80 as necessary for liquidation. Convert the amount of money into cash.
In more detail, there is a function to instantly convert into cash at the payment price (Crossing's streaming rate, which can be traded in units of 1 yen), and a function that locks the cashed amount and sends it to the system of the financial institution 70 such as a bank. A message instructing the transfer of cash from the debit card user's (consumer's) account at the bank or other financial institution 70 to the seller's (retailer, sales company) account at the bank or other financial institution 70. Send.
The cash transfer means 14 periodically transfers cash for a plurality of payments locked by the cash conversion means 13 to a debit card user (consumer) account at a financial institution 70 such as a bank.

Note that when the debit card user (consumer) 50 further makes the following designation via the liquidation target priority asset selection designation receiving means 11, the following process is performed.

(C-1-1) The liquidation target priority asset selection designation reception means 11 selects a debit card among multiple brands of digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchange company 80 side. Clearing process using digital assets when receiving (from debit card user (consumer) 50) the designation of the ranking of digital asset token brands to be prioritized as clearing targets when making a payment using digital assets (Figure 14)
In this case, the cash conversion instructing means 12 instructs the conversion of the digital asset tokens necessary for liquidation into cash according to the order designation of the brand of the digital asset token received by the liquidation target priority asset selection designation receiving means 11.
The cash conversion means 13 is deposited into the debit card user (consumer) account of the crypto asset exchange company 80 according to the order designation of the digital asset token brand received by the liquidation target priority asset selection designation reception means 11. Convert digital asset tokens into cash for the amount required for liquidation.
Other processing is approximately the same as (C-1) above.

(C-2) The liquidation target priority asset selection designation reception means 11 specifies digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchange company 80 side as assets to be prioritized as liquidation targets. (from the debit card user (consumer) 50), and the cash conversion necessity specification acceptance means 15 accepts the specification of “unnecessary” (from the seller ( Payment processing using digital assets (Figure 15)
In this case, the cash conversion control means 16 controls the cash conversion means 13 to convert into cash the amount necessary for liquidating the digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchanger 80 side. While controlling to prevent conversion, the system of the crypto-asset exchange 80 sends liquidation (from the debit card user (consumer) account of the crypto-asset exchange 80 to the seller (retailer, store, etc.) of the crypto-asset exchange 80). Transfer of digital asset tokens equivalent to the amount paid to the sales company's account).

In addition, when the liquidation target priority asset selection designation reception means 11 makes a payment with a debit card among the multiple brands of digital asset tokens deposited in the debit card user (consumer) account on the crypto asset exchange company 80 side, The process when receiving (from the debit card user (consumer) 50) the designation of the ranking of digital asset token stocks to be prioritized for liquidation is also substantially the same as in (C-2) above.

(C-3) The liquidation target priority asset selection designation receiving means 11 designates cash deposited in a debit card user (consumer) account at a financial institution 70 such as a bank as an asset to be prioritized as a liquidation target. (from a debit card user (consumer) 50), the cash deposited in the debit card user (consumer) account at the bank or other financial institution 70 does not meet the amount required for settlement. Clearing process using digital assets in case (Figure 16)
In this case, the payment cashing instruction means 12 instructs cashing the amount necessary to settle the shortfall.
The cash conversion means 13 receives an instruction from the cash conversion instruction means 12 to convert the amount of money necessary to settle the shortfall into cash, and deposits the amount into cash in the debit card user (consumer) account on the crypto asset exchange company 80 side. The amount of digital asset tokens required to settle the shortfall will be automatically converted into cash.
The cash transfer means 14 transfers the insufficient cash converted by the cash conversion means 13 to a debit card user (consumer) account at a financial institution 70 such as a bank.

(C-4) The cash/digital asset token liquidation ratio setting reception means 18 deposits the liquidated amount in the case of debit card payment into the debit card user (consumer) account of the financial institution 70 such as a bank. When accepting (from debit card user (consumer) 50) the setting of the liquidation ratio between the cash and digital asset tokens deposited in the debit card user (consumer) account on the crypto asset exchange company 80 side. Clearing process using digital assets (Figure 17)
In this case, the payment cashing instruction means 12 deposits the liquidation amount received by the cash/digital asset token liquidation ratio setting reception means 18 into the debit card user (consumer) account of the crypto asset exchanger 80 side. Instruct the liquidation ratio of digital asset tokens to be converted into cash.
The cash conversion means 13 receives an instruction to convert the liquidation ratio into cash from the cash conversion instruction means 12, and debits the crypto asset exchanger 80 side for the liquidation amount received by the cash/digital asset token liquidation ratio setting reception means 18. Automatically converts the liquidation ratio of digital asset tokens deposited into card user (consumer) accounts into cash.
The cash transfer means 14 transfers the cash equivalent to the liquidation ratio of the digital asset token converted into cash by the cash conversion means 13 to a debit card user (consumer) account at a financial institution 70 such as a bank.

(C-5) The priority asset selection designation receiving means 11 to be liquidated deposits it into the debit card user (consumer) account of the crypto asset exchange company 80 as an asset to be prioritized as a liquidation target when making a payment with a debit card. We accept requests for selection of designated digital asset tokens (from debit card users (consumers) 50), and also accept designated crypto assets such as gold coins and CO2 emissions credits (or tokens with similar characteristics) _. Payment processing using digital assets when payment instructions are received (from debit card user (consumer) 50) (Figure 18)
In this case, the cash conversion control means 16 controls the cash conversion means 13 to convert into cash the amount necessary for liquidating the digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchanger 80 side. While controlling to prevent conversion, the system of the crypto-asset exchange 80 sends liquidation (from the debit card user (consumer) account of the crypto-asset exchange 80 to the seller (retailer, store, etc.) of the crypto-asset exchange 80). Transfer of specified crypto assets, such as gold coins, to the sales company's account).

(C-6) The priority asset selection designation receiving means 11 for liquidation deposits it into the debit card user (consumer) account of the crypto asset exchange company 80 as an asset to be prioritized as a liquidation object when making a payment with a debit card. Clearing process using digital assets when designation of a stablecoin from a designated country is accepted (from debit card user (consumer) 50) (Figure 19)
In this case, the cash conversion control means 16 controls the cash conversion means 13 to convert into cash the amount necessary for liquidating the digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchanger 80 side. While controlling to prevent conversion, the system of the crypto-asset exchange 80 sends liquidation (from the debit card user (consumer) account of the crypto-asset exchange 80 to the seller (retailer, store, etc.) of the crypto-asset exchange 80). Transfer of stable coins of a specified country to the account of the sales company).

(C-7) The liquidation target priority asset selection designation receiving means 11 selects a plurality of different types of assets (points, digital currency, Clearing processing using digital assets when receiving (from debit card user (consumer) 50) a designation of the priority of assets to be prioritized for clearing when making debit card payments (table coins, stable products) (Figure 20)
In this case, the proceeds cashing instruction means 12 instructs the liquidation of assets equivalent to the price necessary for liquidation according to the order designation of a plurality of different types of assets received by the liquidation target priority asset selection designation receiving means 11.
The cash conversion means 13 deposits the money into the debit card user (consumer) account of the crypto asset exchanger 80 in accordance with the order designation of the plurality of different types of assets received by the liquidation target priority asset selection designation reception means 11. Convert existing assets into cash for the amount required for liquidation.
Other processing is approximately the same as (C-1) above.

(C-8) In addition, settlement processing using digital assets when the settlement amount when paying with a debit card is extremely large, exceeding a predetermined amount (Figure 21)
In this case, the payment cashing instruction means 12 gives priority to the cash deposited in the debit card user (consumer) account of the financial institution 70 such as a bank, and the debit card user of the crypto asset exchange company 80 (Consumer) Instructs to convert digital asset tokens deposited in an account into cash.
Other processing is approximately the same as (C-1) above.

In addition, in the debit service providing system 1 using digital assets of this embodiment, when paying with a debit card, the amount necessary for liquidating crypto assets (or tokens with characteristics similar to crypto assets) is transferred to cash ¥. When performing conversion, it is preferable to have a means (not shown) capable of recording data (book value, sales value, quantity, daily schedule, etc.) for calculating comprehensive taxation.
In addition, if the amount necessary for liquidating crypto assets (or tokens with similar characteristics) is not converted into cash, the debit card user (consumer) account of the crypto asset exchanger 80 It will be treated as an exchange of crypto assets (or tokens with similar characteristics) deposited in . For example, if you give gasoline tokens to pay for gasoline, it will be treated as an exchange for gasoline and gasoline tokens. On the other hand, for payments related to consumption behavior, it is preferable to include means (not shown) that can manage data for consumption taxation.

(D) Reference to transaction records (not shown)
In response to a reference operation from a customer (debit card user (consumer) 50), the transaction record reference means 17 converts the transaction record (digital asset token by the cash conversion means 13) in a debit card payment into cash. (including transaction amount and applicable rate) to the customer (debit card user (consumer) 50).

According to the debit service providing system 1 using digital assets of the present embodiment, the debit card user (consumer) of the financial institution 70 such as a bank is given priority as the asset to be settled when making a payment with a debit card. Accepts a selection designation from the debit card user (consumer) 50 of either cash deposited in the account or digital asset tokens deposited in the debit card user (consumer) account on the crypto asset exchange company 80 side. Deposit into the debit card user (consumer) account of the crypto asset exchange company 80 side as an asset prioritized as a liquidation target by the liquidation target priority asset selection designation reception means 11 having the function and the liquidation target priority asset selection designation reception means 11. When receiving the selection designation of the digital asset tokens that have been selected, the payment cashing instruction means 12 has the function of instructing the cashing of the digital asset tokens equivalent to the amount necessary for liquidation, and instructions from the payment cashing instruction means 12. cash conversion means 13 having the function of converting the digital asset token deposited in the debit card user (consumer) account of the crypto asset exchange company 80 side into cash for the amount necessary for liquidation when receiving the transaction. With this configuration, the debit card user (consumer) 50 can make an instant payment using a debit card by holding digital assets, and can also select cash or digital assets as the payment object. can do. Therefore, it is possible to make it easier to use a debit card.

Further, according to the debit service providing system 1 using digital assets of the present embodiment, the cash conversion means 13 has a function of instantly converting it into cash at a payment price (a streaming rate of crossing that can be traded in units of 1 yen); The cashed amount is locked and cleared in the system of the financial institution 70 such as a bank (from the debit card user (consumer) account of the financial institution 70 such as a bank to the seller of the financial institution 70 such as a bank) (Retailer, sales company) It has a function to send a telegram instructing the transfer of the amount of cash for the amount to the account), and also periodically transfers the amount of cash for multiple amounts locked by the cash conversion means 13. Since the configuration includes a cash transfer means 14 that has the function of transferring a lump sum to a debit card user (consumer) account on the side of a financial institution 70 such as a bank, it is possible to use digital assets for liquidation while You can secure cash and make withdrawals from your bank account similar to traditional debit systems. In addition, since the configuration is such that cash for multiple payments is periodically transferred in bulk to the debit card user's (consumer's) account at the financial institution 70 such as a bank, the transaction volume can be made more efficient. can.

Further, according to the debit service providing system 1 using digital assets of the present embodiment, a function is provided to receive a designation from the seller (seller, sales company) 60 as to whether or not it is necessary to convert digital asset tokens into cash. The cash conversion necessity specification receiving means 15 and the liquidation target priority asset selection specification receiving means 11 select the crypto asset exchanger 80's debit card user (consumption ) When receiving a selection designation of digital asset tokens deposited in an account, if the cash conversion necessity designation receiving means 15 accepts a designation that digital asset tokens do not need to be converted into cash, the cash conversion means 13 The crypto asset exchange company 80 side controls the digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchange company 80 side so as not to convert into cash the amount necessary for liquidating the digital asset tokens. system (movement of digital asset tokens for the price from the debit card user (consumer) account on the crypto asset exchange company 80 side to the seller (retailer, sales company) account on the crypto asset exchange company 80 side) Since the configuration further includes the cash conversion control means 16 having the function of instructing the payment, the seller (seller, sales company) 60 can select digital assets in addition to cash as the asset to be paid. Assets can be held in a variety of formats to cope with fluctuations in economic conditions and values.

Further, according to the debit service providing system 1 using digital assets of the present invention, the liquidation target priority asset selection designation receiving means 11 selects a crypto asset exchanger as an asset to be prioritized as a liquidation target when making a payment with a debit card. If the selection designation of digital asset tokens deposited in the debit card user (consumer) account of the 80 side is accepted, multiple digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchange company 80 side are accepted. It further has a function of accepting from the debit card user (consumer) 50 the designation of the ranking of the digital asset token brands to be prioritized as liquidation targets when making payments with a debit card among the digital asset tokens of the brands, and converts the payment into cash. The instruction means 12 further has a function of instructing the conversion of the digital asset tokens necessary for liquidation into cash according to the ranking designation of the digital asset token brands received by the liquidation target priority asset selection designation receiving means 11, and The conversion means 13 converts the digital assets deposited into the debit card user (consumer) account of the crypto asset exchanger 80 in accordance with the ranking designation of the digital asset token brand received by the liquidation target priority asset selection designation reception means 11. Since the asset token is configured to have the function of converting the amount necessary for liquidation into cash, the debit card user (consumer) 50 can transfer digital assets of multiple brands to the account of the crypto asset exchanger 80. If you own digital assets, you can liquidate digital assets that are advantageous depending on economic conditions and value fluctuations. Therefore, it is possible to make it easier to use a debit card.

Further, according to the debit service providing system 1 using digital assets of the present embodiment, the transaction record (the transaction amount and the corresponding rate when the digital asset token is converted into cash by the cash conversion means 13) in the payment with a debit card is recorded. Since the structure further includes a transaction record reference means 17 that has a function that allows the customer (debit card user (consumer) 50) to refer to the transaction records (including 50), the debit card user (consumer) 50 is the subject of payment. You can easily check the rate at the time of conversion from digital assets to cash when digital assets are selected as cash, and the current amount of digital assets deposited due to the use of digital assets for liquidation.

Further, according to the debit service providing system 1 using digital assets of the present embodiment, the payment cashing instruction means 12 allows the liquidation target priority asset selection designation reception means 11 to specify the priority asset selection designation receiving means 11 as a liquidation target when making a payment with a debit card. In the case where we accept the selection designation of cash deposited in the debit card user (consumer) account of the financial institution 70 such as a bank as the priority asset, the debit card user (consumer) of the financial institution 70 such as the bank When the cash deposited in the consumer's account does not meet the amount necessary for settlement, the cash conversion means 13 further has a function of instructing the cashing of the amount necessary for settlement of the shortfall, and the cash conversion means 13 The cash transfer means 14 further has a function of automatically converting into cash digital asset tokens for the amount necessary to settle the shortfall deposited in the debit card user (consumer) account of the asset exchange company 80 side. The system has a configuration that further includes a function to transfer the insufficient cash to the debit card user (consumer) account of the financial institution 70 such as a bank. Even if the cash deposited in the account does not meet the amount required for liquidation, holding digital assets allows immediate liquidation using a debit card.

Further, according to the debit service providing system 1 using digital assets of the present embodiment, the debit card user (consumer) account on the side of the financial institution 70 such as a bank is A function is provided to accept from the debit card user (consumer) 50 the setting of the settlement ratio between the deposited cash and the digital asset token deposited in the debit card user (consumer) account on the crypto asset exchange company 80 side. The cash/digital asset token liquidation ratio setting reception means 18 has a cash/digital asset token liquidation ratio setting reception means 18, and the cash/digital asset token liquidation ratio setting reception means 12 is configured to debit the crypto asset exchanger 80 side for the liquidation amount received by the cash/digital asset token liquidation ratio setting reception means 18. The cash conversion means 13 further has a function of instructing the liquidation ratio of the digital asset tokens deposited in the card user (consumer) account to be converted into cash. The digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchanger 80 for the liquidation amount accepted by the cash/digital asset token liquidation ratio setting reception means 18 when receiving the instruction to The cash transfer means 14 further has a function of automatically converting the liquidation ratio of the digital asset token into cash, and the cash transfer means 14 transfers the cash equivalent to the liquidation ratio of the digital asset token converted into cash by the cash conversion means 13 to the financial institution 70 side such as a bank. Since the configuration further includes a function to transfer money to the debit card user (consumer) account, it will be more advantageous in response to changes in the value of cash and digital assets held by the debit card user (consumer) 50. Liquidation can be done by adjusting the ratio of assets, making it possible to hold assets more advantageously. Therefore, it is possible to make the debit card even easier to use.

Further, according to the debit service providing system 1 using digital assets of the present embodiment, the cash conversion control means 16 controls the cash conversion control means 16 to convert the payment amount into cash when the payment amount is a predetermined amount or more. The conversion instruction means 12 gives priority to cash deposited in a debit card user (consumer) account on the side of a financial institution 70 such as a bank, and transfers it to a debit card user (consumer) account on the crypto asset exchange company 80 side. Since the configuration further includes a function to instruct the conversion of digital asset tokens deposited into cash, in the case of extremely large amounts, there will be no spread (fee) when converting digital assets to cash, so It is possible to significantly reduce the burden of costs associated with payment on the debit card user (consumer) 50 for high-value payments.

Further, according to the debit service providing system 1 using digital assets of the present embodiment, the liquidation target priority asset selection designation receiving means 11 selects crypto asset exchange as an asset to be prioritized as a liquidation target when making a payment with a debit card. When a selection designation of digital asset tokens deposited in a debit card user (consumer) account on the merchant 80 side is accepted, the debit card user (consumer) further instructs the debit card user ( The cash conversion control means 16 has a function of receiving a liquidation instruction from a consumer) 50, and when the liquidation target priority asset selection specification reception means 11 receives a liquidation instruction in a predetermined crypto asset such as gold coin, the cash conversion control means 16 controls the cash conversion control means 16 to The crypto asset exchange company 80 side controls the digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchange company 80 side so as not to convert into cash the amount necessary for liquidating the digital asset tokens. Clearing (transfer from the debit card user (consumer) account of the crypto asset exchange company 80 side to the seller (retailer, sales company) account of the crypto asset exchange company 80 side in the amount of gold coins, etc.) Since the system is configured to further include a function for instructing the transfer of crypto assets, it can be easily used for settlement by debit card payment overseas.

Further, according to the debit service providing system 1 using digital assets of the present embodiment, the liquidation target priority asset selection designation receiving means 11 selects crypto asset exchange as an asset to be prioritized as a liquidation target when making a payment with a debit card. The cash conversion control means 16 further has a function of receiving from the debit card user (consumer) 50 a designation of a stable coin of a predetermined country deposited in the debit card user (consumer) account of the merchant 80 side. When the liquidation target priority asset selection designation receiving means 11 accepts the designation of a stable coin of a predetermined country as an asset to be prioritized as a liquidation target, the debit card user (consumption 80) While controlling the digital asset tokens deposited in the account so that the amount necessary for liquidating the digital asset tokens is not converted into cash, The structure further includes a function of instructing the transfer of stable coins of a predetermined country for the payment amount from the card user (consumer) account to the seller (seller, sales company) account of the crypto asset exchange company 80 side. Therefore, it can be easily used for settlement by debit card payment overseas.

Further, according to the debit service providing system 1 using digital assets of the present embodiment, the liquidation target priority asset selection designation receiving means 11 selects crypto asset exchange as an asset to be prioritized as a liquidation target when making a payment with a debit card. In the event that we accept the selection designation of digital asset tokens deposited in the debit card user (consumer) account of the merchant 80, we will also accept designated crypto assets such as _CO2 emission credits (or those with similar characteristics). The cash conversion control means 16 has a function of accepting liquidation designation in tokens) from a debit card user (consumer) 50, and the cash conversion control means 16 has the function of accepting a liquidation target priority asset selection designation reception means 11 from a debit card user (consumer ₎ 50. If the designation for liquidation with assets is accepted, the cash conversion means 13 converts the digital asset tokens deposited into the debit card user (consumer) account of the crypto asset exchanger 80 into cash for the amount necessary for liquidation. While controlling to prevent conversion, the system of the crypto-asset exchange 80 sends liquidation (from the debit card user (consumer) account of the crypto-asset exchange 80 to the seller (retailer, store, etc.) of the crypto-asset exchange 80). The configuration also has the function of instructing the transfer of specified crypto assets (or tokens with similar characteristics) such as _CO2 emission credits for the amount paid to the sales company's account, so there is no risk of inflation in the future. This makes it easier to deal with the situation when the tendency becomes stronger.

Further, according to the debit service providing system 1 using digital assets of the present embodiment, the liquidation target priority asset selection designation receiving means 11 accepts deposits to the debit card user (consumer) account of the crypto asset exchanger 80 side. Debit card users (consumers) can specify the priority order of assets to be prioritized for liquidation when making debit card payments for multiple different types of assets (points, digital currency, stable coins, stable products). 50, the proceeds cashing instruction means 12 converts assets into cash for the amount necessary for liquidation according to the order designation of a plurality of different types of assets received by the priority asset selection and designation receiving means 11 to be liquidated. The cash conversion means 13 further has a function of instructing the crypto asset exchanger 80 to use a debit card according to the order designation of a plurality of different types of assets received by the liquidation target priority asset selection designation reception means 11. The structure further includes a function to convert the assets deposited in the customer (consumer) account into cash for the amount necessary for settlement, so the debit card user (consumer) 50 can make settlement with a variety of assets. can do. Therefore, it is possible to make the debit card even easier to use.

Therefore, according to this embodiment, it is possible to perform instant settlement by holding digital assets, it is possible to select various digital assets as settlement targets, it is possible to settle immediately even if cash is insufficient for the settlement amount, and it is possible to settle settlement in a foreign country. It is possible to obtain a debit service provision system using digital assets that is easy to use and allows liquidation with advantageous assets depending on economic conditions and fluctuations in value.

The debit service providing system using digital assets of the present invention has been described above using the embodiments, but the debit service providing system using digital assets of the present invention is not limited to the configuration described in the above embodiments. Rather, it can be configured in any form within the scope of the claims of the present invention.

In addition, in the debit service provision system using digital assets of the present invention, debit is an instant process connected to a bank account, but credit debit is a 1:1 transaction between the payment provider (financial institution such as a credit company) and the bank account. Connected. In the present invention, in addition to "bank account settlement", "crypto asset account settlement" such as gold is performed. Therefore, in financial institutions such as credit companies, accounts are connected in a 1:N relationship (N is 2 or more).
In order to define processing on the multiple account side (N side), the credit/debit user (customer) specifies the priority of the assets to be cleared in the payment using the service screen (function) of the payment provider.
for example,
・If there is no money left in the bank account, specify the next priority to be cleared from the specified account (crypto assets), etc. Alternatively, if there are no remaining assets in the crypto asset account, the liquidation target for settlement is specified from the next designated bank account, etc.
・For high-value payments of 1 million yen or more, specify the payment target from your crypto asset account. Alternatively, in the case of a payment of 1 million yen or less, specify the payment target from the bank account.
There are many things that can be considered.

In addition, in the debit service providing system using digital assets of the present invention, for example, when making a settlement using gold as the subject of settlement, the settlement rate is based on the buying and selling rate of gold and a spread is added, and fluctuations in the buying and selling rate are Eliminate and fix as much as possible. When payment instructions actually arrive, they need to be processed as quickly as possible.
However, for example, when a payment instruction for 1 million yen is received, gold tokens worth 1 million yen may be exchanged for cash according to the payment rate and used for the payment.
However, if the payment rate is confirmed and the payment processing OK is notified after the gold token sale process is performed, the speed of the payment processing becomes slow.
Therefore, in order to avoid such delays, in the debit service provision system using digital assets of the present invention, each customer can use digital assets as a clearing object for payment at the contact point of system connection with financial institutions such as credit companies. We will provisionally calculate the amount of assets that can be processed in real time according to the settlement rate, and when a payment instruction is received, if it is determined that the payment can be processed within the provisionally calculated frame, we will issue a credit card before selling the asset. Send a payment completion notice to financial institutions such as companies. By doing so, it is possible to increase the speed of payment processing.

Note that when performing such asynchronous processing, there are various risks (for example, if a settlement completion notification has been issued, but the assets to be liquidated in the settlement have already been sold and withdrawn, and the asset is actually sold in the settlement) (such as the risk of not being able to sell the product). For example, when converting assets for which a payment instruction has been received into cash, there is a possibility that the customer also sells the assets and converts them into cash at the same time. Therefore, basically, when assets are being converted into cash, the assets are not sold and the cash is used for settlement purposes. Alternatively, check whether the customer is logged in on the crypto asset exchange side, and if so, once the payment instruction is received, the asset sale operation for the account will be temporarily disabled. Make it. By doing so, the above-mentioned risks when performing asynchronous processing can be eliminated.

After notification of payment completion, sell the assets of the relevant account at the payment rate and synchronize later.
In addition, if the settlement rate fluctuates in a short period of time from the notification of settlement completion to the sale of the asset and the sale amount is insufficient, the crypto asset exchanger will compensate for the loss on its own (the settlement rate at which the asset can be sold) generate assets and sell assets).

The debit service providing system using digital assets of the present invention is useful in fields where it is necessary to provide debit services.

1 Debit service provision system using digital assets 11 Receiving means for specifying priority asset selection for liquidation 12 Means for instructing payment to cash 13 Cash conversion means 14 Cash transfer means 15 Means for accepting specification of necessity of cash conversion 16 Cash conversion control means 17 Transaction record reference Means 18 Cash/Digital Asset Token Clearing Ratio Setting Acceptance Means 50 Debit Card User (Consumer)
60 Seller (seller, sales company)
70 Financial institutions such as banks 80 Crypto asset exchange companies 90 Financial institutions such as credit companies

Claims (16)

Manage transactions between all forms of digital assets, such as tokens (a general term for values defined digitally in distributed technology such as blockchain), digital currencies, tokens and digital currencies, or between tokens or between digital currencies. A digital asset that is constructed with a distributed ledger using at least one type of distributed technology such as blockchain, and a smart contract for performing predetermined processing using digital assets managed by the distributed ledger. A debit service provision system using assets,
Assets prioritized for settlement when making debit card payments include cash deposited in debit card user (consumer) accounts at banks and other financial institutions, and debit card user (consumer) accounts at crypto asset exchange companies. means for accepting priority asset selection designation for liquidation, which has a function of accepting designation of selection of any of the digital asset tokens deposited in a consumer's account from a debit card user (consumer);
If the priority asset selection designation receiving means for liquidation receives a designation to select a digital asset token deposited in a debit card user (consumer) account of a crypto asset exchange company as an asset to be prioritized as a liquidation target, liquidation will be performed. a payment cashing instruction means having a function of instructing the cashing of digital asset tokens for the amount necessary for the payment;
Upon receiving an instruction from the payment cash conversion instruction means, convert the digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchange company into cash for the amount necessary for liquidation. 1. A debit service providing system using digital assets, comprising: a cash conversion means having a function of converting cash; The cash conversion means has the function of instantly converting money into cash at the payment price (Crossing's streaming rate, which allows transactions in units of 1 yen), locking the cashed amount, and sending it to the system of a financial institution such as a bank. Sends a message instructing (transfer of cash from the debit card user's (consumer's) account at a bank or other financial institution to the seller's (retailer, sales company) account at a bank or other financial institution) It has the function of
The cash transfer means has a function of periodically transferring cash for multiple payments locked by the cash conversion means to a debit card user (consumer) account at a financial institution such as a bank. A debit service providing system using digital assets according to claim 1. A cash conversion necessity specification receiving means having a function of accepting a specification of whether or not to convert digital asset tokens into cash from a seller (seller, sales company);
The priority asset selection designation receiving means for liquidation selects the digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchange company as the assets to be prioritized as liquidation objects during debit card payments. When the selection designation is accepted, if the cash conversion necessity designation receiving means accepts the designation that digital asset tokens do not need to be converted to cash, the debit card user (consumption ) Controlling the digital asset tokens deposited in the account so that the amount necessary for liquidating the digital asset tokens is not converted into cash, while using the crypto asset exchange company's system for liquidation (using the crypto asset exchange company's debit card) The method further comprises a cash conversion control means having a function of instructing the transfer of digital asset tokens for the amount of money from the customer's (consumer's) account to the seller's (retailer, sales company) account of the crypto asset exchange company. A debit service providing system using digital assets according to claim 1 or 2. The priority asset selection designation receiving means for liquidation selects digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchange company as assets to be prioritized for liquidation when making payments with a debit card. If the selection designation is accepted, among the multiple brands of digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchange company, priority will be given for settlement when making a payment with a debit card. It also has a function to accept the ranking of digital asset token stocks from debit card users (consumers).
The amount cashing instruction means further has a function of instructing the cashing of digital asset tokens for the amount necessary for liquidation according to the order designation of the digital asset token brands accepted by the liquidation target priority asset selection designation receiving means. death,
The cash conversion means receives the digital assets deposited into the debit card user (consumer) account of the crypto asset exchange company in accordance with the order designation of the digital asset token brand received by the liquidation target priority asset selection designation reception means. The debit service providing system using digital assets according to any one of claims 1 to 3, characterized by having a function of converting asset tokens into cash for the amount necessary for liquidation. Customers (debit card users (consumers)) can refer to transaction records for payments made with debit cards (including the transaction amount and applicable rate when digital asset tokens are converted into cash by the cash conversion means). 5. The debit service providing system using digital assets according to claim 1, further comprising transaction record reference means having a function. The payment cashing instruction means selects a debit card user (consumer) of a financial institution such as a bank as an asset that the liquidation target priority asset selection designation receiving means prioritizes as a liquidation target when making a payment using a debit card. When we accept a selection designation for cash deposited in an account, and the cash deposited in the debit card user (consumer) account at a financial institution such as a bank does not meet the amount required for settlement, It also has the function of instructing the cashing of the amount necessary to settle the shortfall,
When the cash conversion means receives an instruction from the cash conversion instruction means to cash the amount necessary to settle the shortfall, the cash conversion means deposits the money into the debit card user (consumer) account of the crypto asset exchange company. It also has a function that automatically converts digital asset tokens to cash for the amount necessary to settle the shortfall.
1. The cash transfer means further has a function of transferring the insufficient amount of cash converted by the cash conversion means to a debit card user (consumer) account at a financial institution such as a bank. A debit service provision system using the digital assets described in any of items 5 to 5. Cash deposited in a debit card user (consumer) account at a financial institution such as a bank and debit card user (consumer) account at a crypto asset exchange company for the amount settled when paying with a debit card. has a cash/digital asset token liquidation ratio setting acceptance means that has the function of accepting from a debit card user (consumer) the setting of a liquidation ratio with digital asset tokens deposited in
The payment cashing instruction means receives the digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchange company for the liquidation amount received by the cash/digital asset token liquidation ratio setting reception means. It also has the function of instructing the liquidation ratio to be converted into cash.
When the cash conversion means receives an instruction to convert the liquidation ratio into cash from the cash conversion instruction means, the cash conversion means converts the amount received by the cash/digital asset token liquidation ratio setting reception means from the crypto asset exchange company's side to the liquidation amount. It also has a function that automatically converts the liquidation ratio of digital asset tokens deposited into debit card user (consumer) accounts into cash.
The cash transfer means further has a function of transferring cash equal to the liquidation ratio of the digital asset token converted into cash by the cash conversion means to a debit card user (consumer) account at a financial institution such as a bank. A debit service providing system using digital assets according to any one of claims 1 to 6. If the payment amount to be settled using a debit card is a predetermined amount or more, the payment instruction means is deposited into the debit card user's (consumer's) account at a financial institution such as a bank. Claims 1 to 7, characterized in that the method further has a function of instructing the conversion of digital asset tokens deposited in a debit card user (consumer) account of a crypto asset exchanger into cash in preference to cash. A debit service provision system using the digital assets described in any of the above. The priority asset selection designation receiving means for liquidation selects digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchange company as assets to be prioritized for liquidation when making payments with a debit card. In the event that a selection designation is accepted, it also has the function of accepting payment instructions from debit card users (consumers) in predetermined crypto assets such as gold coins,
The cash conversion control means, when the liquidation target priority asset selection designation receiving means accepts a liquidation instruction in a predetermined crypto asset such as gold coin, sends a debit card user ( (Consumer) While controlling the digital asset tokens deposited in the account so that the amount necessary for liquidating the digital asset tokens is not converted into cash, the system of the crypto asset exchange company processes the liquidation (debit card of the crypto asset exchange company side). It is further characterized by having the function of instructing the transfer of a predetermined crypto asset such as gold coins for the price from the user (consumer) account to the seller (seller, sales company) account of the crypto asset exchange company. 4. A debit service providing system using digital assets according to claim 3. The priority asset selection designation receiving means for liquidation selects assets from a specified country that are deposited in the debit card user (consumer) account of the crypto asset exchange company as assets to be prioritized for liquidation during debit card payments. It also has a function to accept stablecoin specifications from debit card users (consumers).
The cash conversion control means is configured to, when the liquidation target priority asset selection designation receiving means accepts the designation of a stable coin of a predetermined country as an asset to be prioritized as a liquidation target, debit the crypto asset exchanger side by the cash conversion means. While controlling the digital asset tokens deposited in the card user (consumer) account so that the amount necessary for liquidating the digital asset tokens will not be converted into cash, the system of the crypto asset exchange company It further has the function of instructing the transfer of stable coins from a given country for the amount of payment from the debit card user (consumer) account of the cryptocurrency exchange provider to the seller (retailer, sales company) account of the cryptocurrency exchange provider. The debit service providing system using digital assets according to claim 3 or 9. The priority asset selection designation receiving means for liquidation selects digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchange company as assets to be prioritized for liquidation when making payments with a debit card. In addition, it has a function to accept payment designations from debit card users (consumers) using predetermined crypto assets such as _CO2 emission credits.
The cash conversion control means controls the cash conversion when the liquidation target priority asset selection designation receiving means receives a liquidation designation using a predetermined cryptographic asset (or tokens having characteristics similar thereto) such as CO ₂ emission credits. On the crypto asset exchange company side, while controlling the amount necessary for liquidation of the digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchange company side by means of controlling the conversion into cash, clearing system (prescribed _CO2 emission credits, etc. for the payment amount from the debit card user (consumer) account of the crypto asset exchange company to the seller (retailer, sales company) account of the crypto asset exchange company) The debit service providing system using digital assets according to any one of claims 3, 9, and 10, further comprising a function of instructing transfer of crypto assets (or tokens having characteristics similar thereto). . The priority asset selection designation receiving means for liquidation is configured to accept multiple different types of assets (points, digital currencies, stable coins, stable products, etc.) deposited in the debit card user (consumer) account of the cryptocurrency ), it further has a function to accept from debit card users (consumers) the order of priority of assets to be prioritized for settlement when making debit card payments.
The proceeds cashing instructing means further has a function of instructing the converting of assets equivalent to the proceeds necessary for liquidation into cash according to the ranking designation of a plurality of different types of assets received by the liquidation target priority asset selection designation receiving means. ,
The cash conversion means is deposited into a debit card user (consumer) account on the crypto asset exchange company side according to the order designation of a plurality of different types of assets accepted by the liquidation target priority asset selection designation reception means. 12. The debit service providing system using digital assets according to claim 1, further comprising a function of converting assets into cash in an amount necessary for liquidation. The cash conversion control means, when the liquidation target priority asset selection designation receiving means receives a liquidation instruction in a predetermined crypto asset such as gold coin, converts the amount of assets that can be used as liquidation objects in settlement according to the settlement rate, Provisionally calculated in real time, and if it is determined that the payment can be processed within the provisionally calculated frame, before selling the asset, a payment completion notice will be sent to financial institutions such as credit companies, and the payment completion notification will be sent. The debit service providing system according to any one of claims 1 to 12 depending on claim 3, further comprising a function of controlling the asset to be sold after issuing the amount. The cash conversion control means is configured to convert the asset into cash when the liquidation target priority asset selection designation receiving means accepts a liquidation instruction in a predetermined crypto asset such as gold coins and converts the asset for which the liquidation instruction has been received into cash. 14. The debit service providing system according to claim 13, further comprising a function of controlling the asset to be used for settlement in the settlement without selling the asset if the transaction is being carried out. The cash conversion control means allows the customer to exchange crypto assets when the liquidation target priority asset selection designation receiving means accepts a liquidation instruction in a predetermined crypto asset such as gold coins and converts the asset for which the liquidation instruction has been received into cash. It also has a function to check whether the merchant is logged in and, if so, to temporarily disable the asset sale operation for the account when the payment instruction is received. The debit service providing system according to claim 13 or 14. When the liquidation target priority asset selection designation receiving means accepts a liquidation instruction in a predetermined crypto asset such as gold coins and converts the asset for which the liquidation instruction has been received into cash, the cash conversion control means converts the asset from the settlement completion notification. If the settlement rate fluctuates within a short period of time until the sale, and the sale amount is insufficient, the crypto asset exchange company will compensate for the loss (generate a settlement rate that makes it possible to sell the asset and sell the asset). The debit service providing system according to any one of claims 13 to 15, further comprising a function of controlling the debit service to perform the following operations.

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