JP6651108B1 - Cryptographic asset management system and cryptographic asset management method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a cryptographic asset management system or the like that contributes to having a cryptographic asset having trust comparable to yen assets and the like. SOLUTION: An asset management server 11 manages assets such as an issuer who issues a cryptographic asset and a holder who holds the issued cryptographic asset. The matching asset management unit 39 determines whether the issuer or the holder holds an asset (matching asset) corresponding to a predetermined amount of the cryptographic asset when the cryptographic asset is issued or redeemed. The book management unit 23 manages cryptographic assets held by issuers and holders, and issues, redeems, and transfers cryptographic assets between holders. Here, the transfer between the holders can be restricted, and the holder can also transfer by virtue of including a valid confirmation message. [Selection diagram] Fig. 1

Description

  The present invention relates to a cryptographic asset management system and a cryptographic asset management method.

  Patent Literature 1 describes that interest issuance and the like in financial business are realized while satisfying a total amount conservation rule. Patent Literature 2 describes that a virtual currency is configured to be depreciated, a depreciation amount is calculated at the time of remittance, and a reward amount to a verifier is determined.

JP 2018-160179 A Japanese Patent No. 5871347

  However, in the methods described in Patent Literature 1 and Patent Literature 2, crypto assets (for example, virtual currency (Law on Payment of Money, Article 2, paragraph 5), etc.) are worth assets such as yen assets (hereinafter, referred to as “yen assets”). It does not consider “matching assets.” For example, in a public blockchain with no matching assets, any participant can apply for and approve the transaction. In a private blockchain, the holder has no choice but to trust the issuer and the administrator. At present, it is difficult to obtain credit that is comparable to that of yen assets.

  Therefore, an object of the present invention is to provide a cryptographic asset management system and the like that contribute to having a cryptographic asset having a trust comparable to a yen asset or the like.

  A first aspect of the present invention is a cryptographic asset management system, and a matching asset management unit that determines whether or not a subject has a matching asset different from the cryptographic asset corresponding to the amount of the cryptographic asset. Is provided.

  According to a second aspect of the present invention, there is provided the cryptographic asset management system according to the first aspect, comprising a book management unit for managing the cryptographic assets held by the holder, and when the cryptographic assets are issued and / or redeemed. If there is a matching asset corresponding to the amount of the cryptographic asset to be issued and / or redeemed, the matching asset management unit and the ledger management unit transfer a part or all of the matching asset, and In the case of performing issuance and / or redemption processing and increasing and / or decreasing the cryptographic assets of the holder according to the holding period of the cryptographic assets held by the holder, the book management unit differs from the cryptographic assets Increase and / or decrease the amount of cryptographic assets according to the holding period of the cryptographic assets of the holder without transferring the assets.

  A third aspect of the present invention is the cryptographic asset management system according to the first or second aspect, wherein the matching asset management unit increases a cryptographic asset held by the holder according to a holding period of the cryptographic asset. Alternatively, when the cryptographic asset is increased or decreased, it is not determined whether or not to hold a worthy asset corresponding to at least a part of the amount of the cryptographic asset to be increased or decreased.

  A fourth aspect of the present invention is the cryptographic asset management system according to the second or third aspect, further comprising a book management unit that manages cryptographic assets held by a holder, wherein the book management unit includes The amount of cryptographic assets held by the transferor, even if the cryptographic assets held by the transferor are increased or decreased according to the holding period of the cryptographic assets when requested to transfer the cryptographic assets held by the transferor Is greater than or equal to the amount of the cryptographic assets to be transferred, the bookkeeping unit determines that at least the portion of the cryptographic assets held by the transferor to be transferred according to the holding period of the cryptographic assets. If the number of cryptographic assets held by the transferor increases or decreases in accordance with the holding period of the cryptographic assets, the amount of cryptographic assets held by the transferor will increase or decrease. Less than the amount of the target cryptographic asset Come, the book management unit does not perform the transfer process corresponding to the request.

  A fifth aspect of the present invention is the cryptographic asset management system according to the fourth aspect, wherein the cryptographic asset exchange unit determines whether or not the assignor and / or the assignee satisfies an assignment restriction condition, The cryptographic asset exchange unit performs different transfer processing when the transfer restriction condition is satisfied and when the transfer restriction condition is not satisfied.

  A sixth aspect of the present invention is a cryptographic asset management method, in which the matching asset management unit holds a matching asset in the cryptographic asset, the subject corresponding to the amount of the cryptographic asset and different from the cryptographic asset. Determining whether or not it is.

  According to each aspect of the present invention, the matching asset management unit sets the matching asset corresponding to the predetermined amount of the cryptographic asset in a position independent of the target (issuer, exchanger, holder, etc.). It is possible to realize a cryptographic asset, which is an asset different from the cryptographic asset, such as a yen asset, by determining whether or not the cryptographic asset is held.

  Furthermore, according to the second aspect of the present invention, the issuance and / or redemption of the cryptographic asset is evaluated for possession of the matching asset, and the matching asset is transferred. Further, in order for the possession of cryptographic assets to be rational in comparison with the national currency, an appropriate increase or decrease of the cryptographic assets (hereinafter referred to as an interest rate in the case of a national currency-denoted asset such as a yen). Hereafter, it is effective to introduce "interest rate." According to the second aspect of the present invention, in the case where the number is increased or decreased according to the holding period of the holder, the transfer is performed in a state where an asset different from the cryptographic asset is not transferred. According to the third aspect of the present invention, for a part or all of the interest rate, the cryptographic asset is increased or decreased without confirming the possession of the matching asset.

  According to the fourth aspect of the present invention, when transfer of cryptographic assets between holders is performed, the transferor performs appropriate increase or decrease according to the holding period of the holder, and the transferor holds the cryptographic assets necessary for transfer. If not, do not exchange cryptographic assets. This ensures that the cryptographic assets are transferred and the like.

  Further, according to the fifth aspect of the present invention, it is possible to transfer a cryptographic asset in consideration of, for example, regional characteristics.

It is a block diagram showing an example of composition of a cryptographic asset management system concerning an embodiment of the invention of the present application. FIG. 2 is a flowchart illustrating an example of an operation of the cryptographic communication management system in FIG. 1.

  Hereinafter, embodiments of the present invention will be described with reference to the drawings. The embodiments of the present invention are not limited to the following examples.

  FIG. 1 is a block diagram showing an example of a configuration of a cryptographic asset management system according to an embodiment of the present invention. An example of the configuration of the cryptographic asset management system 1 will be described with reference to FIG.

  Referring to FIG. 1, the cryptographic asset management system 1 includes an issuer server 3, an exchange server 5, a first holder terminal 7, a second holder terminal 9, and an asset management server 11. The issuer server 3, the exchange company server 5 (an example of the "encrypted asset exchange unit" in the claims of the present application), the first holder terminal 7, the second holder terminal 9, and the asset management server 11 It can be used to communicate with each other.

  The issuer server 3 includes an issuer processing unit 21, a book management unit 23, and a transfer restriction condition storage unit 32. The book management unit 23 (an example of a “book management unit” in the claims of the present application) includes an issuer crypto asset account unit 25 and an issuer collection account unit in order to manage crypto assets held by the issuer and the holder. , An exchange trader crypto asset account section 28, a first holder crypto asset account section 29, and a second holder crypto asset account section 31. The issuer server 3 may be operated by the issuer, or may be operated by a book management company entrusted by the issuer. The book management unit 23 may be realized by including other devices in addition to the issuer server 3, or may be realized by one or more devices different from the issuer server 3.

  The exchange server 5 includes an exchange processing unit 33. The first holder terminal 7 and the second holder terminal 9 are operated by the first holder and the second holder, respectively, and are, for example, information processing terminals such as smartphones and personal computers. The first holder terminal 7 includes a first holder processing unit 35. The second holder terminal 9 includes a second holder processing unit 37.

  The asset management server 11 includes a matching asset management unit 39 (an example of a “matching asset management unit” in the claims of the present application). The matching asset management unit 39 includes an issuer asset unit 41, an exchange agent asset unit 43, a first holder asset unit 45, and a second holder asset unit 47. The issuer asset unit 41, the exchange agent asset unit 43, the first holder asset unit 45, and the second holder asset unit 47 are assets owned by the issuer, the exchange agent, the first holder, and the second holder, respectively. Of the assets other than the cryptographic assets (the property of the target person managed by the matching asset management unit 39 is also referred to as “managed assets”. The managed assets are, for example, a book management unit. When the area 23 manages the area-specific cryptographic assets, the cryptographic assets are other than the cryptographic assets, and include other cryptographic assets such as bitcoin. The matching asset management unit 39, for example, evaluates the managed assets of the target person (issuer, exchanger, holder) at the market price, and the value of the managed assets of the target person corresponds to the amount of the predetermined cryptographic asset. It is determined whether or not the value is equal to or greater than the value, and it is determined whether or not the target person has a worthy asset corresponding to the amount of the predetermined cryptographic asset.

  The book management unit 23 can manage cryptographic assets held by an issuer, an exchange trader, a holder, and the like by using, for example, a technology such as a block chain. For example, when the matching asset management unit 39 determines that there is a matching asset corresponding to a predetermined amount of the encryption asset, the fact is added to the block.

  FIG. 2 is a flowchart showing an example of the operation of the cryptographic communication management system of FIG. An example of the operation of the cryptographic asset management system 1 of FIG. 1 will be described with reference to FIG. The holder requests the issuer to issue and redeem the cryptographic asset through an exchange company, or requests the issuer to exchange the cryptographic asset between the holders.

  With reference to FIG. 2A, an example of a process when the first holder has requested issuance of a cryptographic asset will be described. The first holder operates the first holder terminal 7 to request issuance of a cryptographic asset. The first holder terminal 7 notifies the issuer server 3 of the request for issuance of the cryptographic asset to the first holder via the exchange company server 5. The issuer processing unit 21 performs the processing such as the interest on the cryptographic asset held by the first holder from the time when the processing such as the interest was performed immediately before to the current time (step STA1). The processing of the interest rate and the like will be specifically described in step STB1 of FIG. The issuer processing unit 21 requests the asset management server 11 to determine whether the managed assets of the exchange company are worth the amount of cryptographic assets to be issued.

  The matching asset management unit 39 refers to the exchange agent asset unit 43 to determine whether the value of the management-holding asset of the exchange agent is equal to or greater than the value corresponding to the amount of the issued cryptographic asset (the exchange agent Is determined (step STA2). If it is determined that there is no matching asset, the issuer server 3 does not issue the cryptographic asset and notifies the first holder terminal 7 via the exchange server 5 that the cryptographic asset has not been issued. If it is determined that a matching asset exists, the issuer server 3 issues a cryptographic asset (step STA3). Specifically, the matching asset management unit 39 of the asset management server 11 transfers an asset corresponding to the amount of the issued cryptographic asset from the exchange agent asset unit 43 to the issuer asset unit 41. The book management unit 23 issues the cryptographic asset and increases the cryptographic asset to the exchange agent cryptographic asset account unit 28. Further, the matching asset management unit 39 transfers the asset corresponding to the amount of the issued cryptographic asset plus the commission from the first holder asset unit 45 to the exchange agent asset unit 43. The book management unit 23 transfers the cryptographic assets issued from the exchange agent cryptographic asset account unit 28 to the first holder cryptographic asset account unit 29. The issuer server 3 notifies the first holder terminal 7 through the exchange company server 5 that the cryptographic asset has been issued. Note that the transfer of the assets corresponding to the transfer of the cryptographic assets of the holder and the exchanger may not be between the first holder's asset section 45 and the exchanger's asset section 43.

  The issuing process may be as follows, for example. First, the exchange trader requests the issuer to issue sufficient cryptographic assets in advance, and the issuer confirms that the exchange trader has appropriate assets and issues them. When the holder requests the exchange contractor to issue the cryptographic assets, if the exchange contractor holds the cryptographic assets issued by the holder and the assets commensurate with the commission, the exchanger shall use the previously issued cryptographic assets. Alternatively, the cryptographic asset may be transferred from the exchange to the holder, and the consideration may be transferred from the holder to the exchange. In addition, the issuer server 3 may increase the cryptographic assets of the requester by transferring the cryptographic assets held by the issuer in response to an issuance request from an exchange company or a holder.

  With reference to FIG. 2B, an example of a process when the first holder requests a process for an interest rate or the like will be described. The first holder operates the first holder terminal 7 to request the processing of the interest rate and the like. The first holder terminal 7 requests the issuer server 3 to process the interest rate of the first holder. The issuer processing unit 21 calculates the interest rate and the like of the first holder's cryptographic asset in accordance with the holding period of the first holder's cryptographic asset, and stores the cryptographic asset corresponding to the interest rate and the like in the issuer's cryptographic asset account. Transfer between the section 25, the issuer collection account section 27, and the first holder cryptographic asset account section 29 (step STB1). Here, the asset management server 11 does not perform the asset transfer processing managed by the matching asset management unit 39 in response to an increase or decrease in cryptographic assets due to an interest rate or the like.

  In FIG. 2B, it is described that the processing of the interest rate is performed when the holder issues a command of the processing of the interest rate. Alternatively / additionally, processing of interest rate or the like may be performed periodically.

  With reference to FIG. 2C, an example of a process when the first holder requests the redemption of the cryptographic asset will be described. The first holder operates the first holder terminal 7 to request redemption of the cryptographic asset. The first holder terminal 7 notifies the issuer server 3 of a request for redemption of the cryptographic assets held by the first holder via the exchange server 5. The issuer processing unit 21 calculates the interest rate of the cryptographic asset of the first holder as in step STB1 of FIG. 2B (step STC1). The issuer processing unit 21 requests the asset management server 11 to determine whether or not the issuer has a worthy asset corresponding to the amount of the cryptographic asset to be redeemed.

  The issuer manages assets using, for example, municipal bonds. In order to determine whether or not there is a matching asset, the matching asset management unit 39 evaluates the management holding assets held by the issuer based on the market value. The matching asset management unit 39 refers to the issuer asset unit 41 and determines whether or not the issuer has a matching asset corresponding to the amount of the cryptographic asset to be redeemed (step STC2). If it is determined that there is no matching asset, the issuer server 3 does not redeem the cryptographic asset, and notifies the first holder terminal 7 through the exchange server 5 that it has not redeemed. If it is determined that there is a matching asset, the issuer server 3 performs a redemption process (step STC3). Specifically, the book management unit 23 transfers the cryptographic assets of the first holder to be redeemed to the exchange trader. The book management unit 23 reduces the cryptographic assets of the exchange trader to be redeemed. The matching asset management unit 39 transfers an asset corresponding to the amount of the cryptographic asset to be redeemed from the issuer to the exchange company. The matching asset management unit 39 transfers the asset corresponding to the amount of the cryptographic asset to be redeemed from the exchange company to the holder with a reduced fee. The issuer server 3 notifies the first holder terminal 7 through the exchange company server 5 that the cryptographic asset has been redeemed. Note that the transfer of the assets corresponding to the transfer of the cryptographic assets of the holder and the exchanger may not be between the first holder's asset section 45 and the exchanger's asset section 43.

  The redemption process may be, for example, as follows. First, if the holder requests the exchange company to redeem the cryptographic asset, and if the exchanger owns an asset that matches the amount of the cryptographic asset to be redeemed minus the commission, at this point, the holder Transfer the cryptographic assets to the trader and transfer the consideration from the trader to the holder. After that, in response to a request from the exchange company, the issuer may confirm that the issuer has a worthy asset, and then perform a repayment process. Further, the issuer server 3 may transfer the cryptographic assets held by the exchange trader or the holder to the issuer in response to a redemption request from the trader or the holder, and reduce the cryptographic assets of the requester. .

  With reference to FIG. 2D, an example of a process when the first holder transfers the cryptographic asset to the second holder will be described. The first holder operates the first holder terminal 7 and requests the second holder to transfer the cryptographic asset. The first holder terminal 7 notifies the issuer server 3 of a request to transfer the cryptographic asset from the first holder to the second holder. The issuer processing unit 21 refers to the transfer restriction condition stored in the transfer restriction condition storage unit 32 and determines whether transfer from the first holder to the second holder is restricted (step STD1). If the transfer is permitted, the process proceeds to step STD3. When the transfer is not permitted and the request from the first holder terminal 7 includes a predetermined confirmation message, it is determined whether the confirmation message is legitimate (step STD2). . If a valid confirmation message is included, the process proceeds to step STD3. If the valid confirmation message is not included, the issuer server 3 notifies the first holder terminal 7 and the second holder terminal 9 that the transfer of the cryptographic asset has not been performed due to the transfer restriction. .

  In step STD3, the issuer processing unit 21 performs processing such as the interest rate of the cryptographic asset of the first holder, as in step STB1 of FIG. 2B. The issuer processing unit 21 determines whether the first holder holds the cryptographic asset to be transferred in the first holder cryptographic asset account unit 29 (step STD4). If the first holder does not hold the cryptographic assets, the issuer server 3 provides the first holder terminal 7 and the second holder terminal 9 with the shortage of the cryptographic assets held by the first holder via the exchange server 5. Notifies that the transfer of cryptographic assets was not performed. If owned by the first holder, the issuer server 3 performs a transfer process of the cryptographic asset (step STD5). Specifically, the book management unit 23 subtracts the transfer target amount from the cryptographic assets of the first holder cryptographic asset account unit 29 and increases the cryptographic assets of the second holder cryptographic asset account unit 31. The issuer server 3 notifies the first holder terminal 7 and the second holder terminal 9 that the cryptographic asset has been transferred.

  Note that the communication between the first holder terminal 7 and the issuer server 7 may be performed without passing through the exchange company server 5 according to the legal provisions of the private key management, etc. 5 may be performed.

  For concrete description, the following case is taken as an example. The unit of the cryptographic asset is “ca”. The rate is 1 [ca] = 10 [yen]. The value of the managed assets of the matching asset management unit 39 is evaluated in yen. In an initial state, the issuer, the trader, the first holder, and the second holder do not hold cryptographic assets. The managed assets are 900 yen for the issuer, 1,500 yen for the exchange company, 1,300 yen for the first holder, and 300 yen for the second holder.

  In the following example, first, the first holder requests the issuer to issue 110 [ca]. The commission of the exchange company is 1 [yen] per [ca]. One year later, the first holder seeks interest rate processing. One year later (two years after issuance), the first holder requests the issuer to redeem 5 [ca]. The commission of the exchange company is 1 [yen] per [ca]. One year later (three years after issuance), the first holder transfers 45 [ca] to the second holder. Further, the transfer from the first holder to the second holder is permitted under the transfer restriction condition. In the calculation of the interest rate and the like, the decimal part is rounded down for simplicity.

  (Example 1) In Example 1, the interest rate on the cryptographic asset is zero. Table 1 shows the status of the cryptographic assets and the management possessed assets when processing such as issuance of cryptographic assets in Example 1 is performed.

  Referring to FIG. 2A, when the first holder requests the issuer to issue the cryptographic asset 110 [ca], the first holder does not previously hold the cryptographic asset. There is no increase or decrease in the cryptographic assets in the processing of interest rates and the like (step STA1). The exchange trader has 1,500 yen of managed assets, and a matching asset corresponding to 110 [ca] of the amount of cryptographic assets to be issued. Therefore, the determination in step STA1 is “yes”, and the issuing process of 110 [ca] is performed (step STA3). Specifically, the matching asset management unit 39 transfers 1,100 yen from the exchange agent asset unit 43 to the issuer asset unit 41. The book management unit 23 issues 110 [ca] to the exchange agent cryptographic asset account unit 28. The matching asset management unit 39 transfers 1,210 yen including the commission from the first holder asset unit 45 to the exchange agent asset unit 43. The book management unit 23 transfers 110 [ca] from the exchange agent cryptographic asset account unit 28 to the first holder cryptographic asset account unit 29. The issuer server 3 notifies the first holder terminal 7 through the exchange company server 5 that 110 [ca] has been issued to the first holder.

  Referring to FIG. 2 (b), when the first holder requests interest rate calculation one year after the issuance, there is no transfer of the cryptographic asset according to the interest rate calculation because the interest rate is zero.

  Referring to FIG. 2C, when the first holder requests redemption of cryptographic asset 5 [ca] two years after the issuance, interest calculation is performed because the interest rate is zero (step STC1). There is no transfer of cryptographic assets in ()). Since the issuer holds the managed assets 50 yen corresponding to the amount of the redeemed cryptographic asset 5 [ca] in addition to the redeemed cryptographic assets, the issuer redeems the matching asset manager 39. It is determined that a worthy asset corresponding to the amount of the cryptographic asset is held (“yes” in step STC2), and a redemption process of 5 [ca] is performed. Specifically, the book management unit 23 transfers 5 [ca] from the first holder cryptographic asset account unit 29 to the exchange agent cryptographic asset account unit 28. The matching asset management unit 39 transfers 50 yen from the issuer asset unit 41 to the exchange agent asset unit 43. The book management unit 23 redeems 5 [ca] from the exchange agent cryptographic asset account unit 28. The matching asset management unit 39 transfers 45 yen from the exchange agent asset unit 43 to the first holder asset unit 45 after subtracting a commission. The issuer server 3 notifies the first holder terminal 7 through the exchange company server 5 that the first holder has redeemed 5 [ca].

  Referring to FIG. 2D, when the first holder requests the second holder to transfer the cryptographic asset 45 [ca] three years after the issuance, the first holder is transferred under the transfer restriction condition. Is allowed to transfer the cryptographic asset to the second holder ("yes" in step STD1). Since the interest rate is zero, there is no transfer of the cryptographic asset according to the interest rate calculation (step STD3). The matching asset management unit 39 determines that the first holder holds the cryptographic asset corresponding to the transferred cryptographic asset amount 45 [ca] (“yes” in step STD4). Then, the book management unit 23 transfers the cryptographic asset 45 [ca] from the first holder to the second holder (step STD5).

  (Example 2) In Example 2, the interest rate of the cryptographic asset is a minus interest rate, and the holder is given an interest rate of -5% per year according to the holding period of the cryptographic asset. Table 2 shows the status of cryptographic assets and managed assets when processing such as issuance of cryptographic assets in Example 2 is performed.

  Referring to FIG. 2A, when the first holder requests the issuer to issue a cryptographic asset, Example 2 is the same as Example 1.

  Referring to FIG. 2B, if the first holder requests the processing of the interest rate and the like one year after the issuance, the book management unit 23 determines that the first holder has a negative interest rate. Transfer 5 [ca] corresponding to the interest rate (5% of 110 [ca], one year from the processing of the latest interest rate, etc.) to the issuer collection account unit 27 (step STB1).

  Referring to FIG. 2 (c), if the first holder requests redemption of the cryptographic asset 5 [ca] two years after the issuance, the first holder's cryptographic asset account is processed in the interest rate processing (step STC1). 5 [ca] corresponding to the interest rate (5% of 105 [ca], one year from the processing of the latest interest rate) is transferred from the section 29 to the issuer collection account section 27. The matching asset management unit 39 determines that the issuer asset unit 41 has, in addition to the redeemed cryptographic asset, a managed holding asset of 50 yen corresponding to the amount of the redeemed cryptographic asset 5 [ca]. It is determined that a worthy asset corresponding to the amount of the cryptographic asset to be redeemed is held (“yes” in step STC2). The book management unit 23 transfers the crypto asset 5 [ca] from the first holder crypto asset account unit 29 to the exchange agent crypto asset account unit 28, and the book management unit 23 and the matching asset management unit 39 redeem 5 [ca]. Do the processing. The matching asset management unit 39 transfers 45 yen from the asset corresponding to the amount of the cryptographic asset to be redeemed, excluding the commission, from the exchange agent asset unit 43 to the first holder asset unit 45 (step STC3).

  Referring to FIG. 2D, when the first holder requests the second holder to transfer the cryptographic asset 45 [ca] three years after the issuance, the transfer restriction condition dictates that the first holder Transfer of the cryptographic asset to the second holder is permitted ("yes" in step STD1). Since the interest rate is minus, in the processing of the interest rate and the like (step STD3), the first holder's cryptographic asset account section 29 transfers the 4 [ca] (95 [ca]) corresponding to the interest rate to the issuer collection account section 27. 5%, one year after the latest interest rate processing). The book management unit 23 determines that the first holder holds the cryptographic asset corresponding to the transferred cryptographic asset amount 45 [ca] (“yes” in step STD3). The book management unit 23 transfers the cryptographic asset 45 [ca] from the first holder to the second holder (step STD4).

  (Example 3) In Example 3, the interest rate of the cryptographic asset is a positive interest rate, and the holder is given a 5% interest rate per year according to the holding period of the cryptographic asset. Table 3 shows the status of cryptographic assets and managed assets when processing such as issuance of cryptographic assets in Example 3 is performed.

  Referring to FIG. 2A, when the first holder requests the issuer to issue a cryptographic asset, Example 3 is the same as Example 1.

  Referring to FIG. 2B, when the first holder requests interest calculation one year after the issuance, since the interest rate is positive in Example 3, the book management unit 23 in the interest rate processing (step STB1). Issues 5 [ca] (5% of 110 [ca]) corresponding to the interest rate to the issuer cryptographic asset account unit 25, and from the issuer cryptographic asset account unit 25 to the first holder cryptographic asset account unit 29. Relocate 5 [ca].

  Referring to FIG. 2 (c), when the first holder requests redemption of the cryptographic asset two years after the issuance, in the processing of the interest rate etc. (step STC1), the book management unit 23 sets the issuer cryptographic asset account 5 [ca] (5% of 115 [ca]) corresponding to the interest rate is issued to the section 25 and transferred from the issuer crypto asset section 25 to the first holder crypto asset section 29. The matching asset management unit 39 determines that the issuer has an asset of 50 yen corresponding to the amount of the redeemed cryptographic asset 5 [ca] in addition to the cryptographic asset after the redemption (“yes” in step STC2). . The book management unit 23 transfers the cryptographic asset 5 [ca] from the first holder cryptographic asset account unit 29 to the exchange agent cryptographic asset account unit 28 and performs redemption processing. The matching asset management unit 39 transfers 45 yen from the asset corresponding to the amount of the cryptographic asset to be redeemed, excluding the commission, from the issuer asset unit 41 to the first holder asset unit 45 through the exchanger asset unit 43 (step). STC3).

  Referring to FIG. 2 (d), when the first holder requests the second holder to transfer the cryptographic asset three years after the issuance, the transfer restriction condition dictates that the first holder be the second holder The transfer of the cryptographic asset to is permitted ("yes" in step STD1). Then, the issuer server 3 issues 5 [ca] (5% of 115 [ca]) corresponding to the interest rate to the issuer cryptographic asset account 25, and issues the first holder from the issuer cryptographic asset account 25. Transfer to the cryptographic asset account unit 29. The book management unit 23 determines that the first holder cryptographic asset account unit 29 holds a cryptographic asset corresponding to the transferred cryptographic asset amount 45 [ca] (“yes” in step STD3). The book management unit 23 transfers the cryptographic asset 45 [ca] from the first holder cryptographic asset account unit 29 to the second holder cryptographic asset account unit 31 (step STD4).

  In addition, if the processing such as issuance and redemption is not restricted to be performed through an exchange company by law or the like, the first holder asset section 45 and the issuer asset section 41 exchange assets directly. Is also good. In this case, the matching asset management unit 39 determines whether the holder holds an asset corresponding to the amount of the encryption asset. For example, at the time of issuance of a cryptographic asset, when there is a request for issuance, the matching asset management unit 39 issues the matching asset from the first holder asset unit 45 if there is a matching asset in the first holder asset unit 45. The necessary assets may be transferred to the holder asset unit 41 and the crypto assets may be issued to the first holder crypto asset account unit 29. Similarly, at the time of redemption of the cryptographic asset, if there is a worthy asset in the issuer asset unit 41, the cryptographic asset in the first holder cryptographic asset account unit 29 is reduced while the first asset from the issuer asset unit 41 is reduced. What is necessary is just to transfer an asset to the holder asset part 45.

  Further, the transfer restriction condition stored in the transfer restriction condition storage unit 32 will be specifically described. It is assumed that the cryptographic asset is, for example, limited to a specific area, and it is assumed that the cryptographic asset is purchased from a trader in a predetermined area when purchasing goods. The asset management server 11 is managed by, for example, a regional bank or the like that performs activities rooted in the area. In this case, the transfer restriction condition is a store or the like existing in a predetermined area for the second holder who is the transferee. It is assumed that a visitor who does not live in this area and comes to this area on a trip has obtained cryptographic assets from the first holder and wishes to use it in this area. However, since the visitor does not live in this area, the transfer is not permitted according to the transfer restriction condition ("no" in step STD1 of FIG. 2D). However, when the first holder terminal 7 includes a confirmation message indicating that the visitor is a valid recipient in the transfer request to the publisher server 3, the publisher processing unit 21 (“Yes” in step STD2 of FIG. 2D), the cryptographic asset is transferred from the first holder cryptographic asset account unit 29 to the second holder cryptographic asset account unit 31. In this way, by setting the transferee's address requirement based on the transfer restriction condition and realizing distribution beyond the region by a valid confirmation message, it is possible to realize distribution of the cryptographic asset whose region is restricted. Further, for example, it is possible to realize a cryptographic asset in cooperation with hometown tax payment and the like.

  1 Cryptographic Asset Management System, 3 Issuer Server, 5 Exchanger Server, 7 First Owner Terminal, 9 Second Owner Terminal, 11 Asset Management Server, 21 Issuer Processing Unit, 23 Book Management Unit, 25 Issue Unit Encryption Asset account section, 27 Issuer collection account section, 28 Exchanger encryption asset account section, 29 First holder encryption asset account section, 31 Second holder encryption asset account section, 32 Transfer restriction condition storage section, 33 Exchanger processing Department, 35 1st holder processing section, 37 2nd holder processing section, 39 matching asset management section, 41 issuer asset section, 43 exchanger asset section, 45 1st holder asset section, 47 2nd holder asset Department

Claims (5)

A cryptographic asset management system,
A first server including a matching asset management unit; and a second server including a book management unit.
The matching asset management unit includes an issuer asset unit that manages the management owned assets of the issuer,
The book management unit manages cryptographic assets held by the holder,
The managed assets are assets different from the cryptographic assets managed by the book management unit,
If cryptographic assets of the holder is reduced by the redemption, whether the matchmaking asset management unit to hold assets each other seen that corresponds to the encryption assets that the issuer be redeemed at the issuer asset unit If the matching asset management unit determines that the matching asset management unit holds the matching asset, the matching asset management unit transfers a part or all of the managed assets managed by the issuer asset unit to the holder. The book management unit redeems the cryptographic assets held by the holder,
If the cryptographic assets of the holder are reduced in accordance with the holding period of the cryptographic assets, the matching asset management unit does not determine whether to hold the matching assets or transfer the managed assets, and performs the book management. A cryptographic asset management system configured to reduce an amount of cryptographic assets corresponding to a holding period for the cryptographic assets of the holder ; The matchmaking asset management unit includes a holder asset unit that manages the affairs of the holder,
If the cryptographic asset of the holder is reduced by redemption, the matching asset management unit determines whether the issuer has a matching asset corresponding to the cryptographic asset to be redeemed in the issuer asset unit. If the matched asset management unit determines that the matched asset is held, the matched asset management unit manages a part or all of the managed assets managed by the issuer asset unit by the holder asset unit. 2. The cryptographic asset management system according to claim 1, wherein the book management unit redeems the cryptographic asset held by the holder while transferring the asset to an asset. If the cryptographic asset of the holder is increased by issuance, the matching asset management unit determines whether the holder asset unit holds a matching asset corresponding to the amount of the cryptographic asset to be issued by the holder. If the matching asset management unit determines that the matching asset management unit holds the matching asset, the matching asset management unit manages a part or all of the managed assets managed by the holder asset unit by the issuer asset unit. 3. The cryptographic asset management system according to claim 2, wherein the book management unit increases the cryptographic assets held by the holder while transferring to the managed assets to be managed. 4. A cryptographic asset exchange unit included in the information processing apparatus ;
Said holders include assignees and assignees,
The book management unit manages cryptographic assets held by the assignor and the assignee, respectively.
The cryptographic asset exchange unit, if requested to transfer the cryptographic assets held by the transferor to the transferee,
When the transfer of the cryptographic asset from the transferor to the transferee is not restricted by the transfer restriction condition, and when the transfer of the cryptographic asset from the transferor to the transferee is restricted by the transfer restriction condition, the request Contains information indicating that the transfer is permitted,
Even if the cryptographic assets held by the transferor are reduced according to the holding period of the cryptographic assets, if the amount of cryptographic assets held by the transferor is equal to or greater than the amount of cryptographic assets to be transferred, the book The management unit reduces the cryptographic assets held by the transferor at least for a portion to be transferred according to the holding period of the cryptographic assets, performs a transfer process according to the request,
When the cryptographic assets held by the transferor are reduced according to the holding period of the cryptographic assets, when the amount of the cryptographic assets held by the transferor is less than the amount of the cryptographic assets to be transferred, The book management department does not perform the transfer process according to the request,
When the transfer of the cryptographic asset from the transferor to the transferee is restricted by the transfer restriction condition and the request does not include information indicating that the transfer is permitted, the cryptographic asset exchange unit responds to the request. 4. The cryptographic asset management system according to claim 1, wherein a transfer process is not performed. A cryptographic asset management method in a cryptographic asset management system ,
The cryptographic asset management system includes a first server including a matching asset management unit and a second server including a book management unit.
The matching asset management unit includes an issuer asset unit that manages the management owned assets of the issuer,
The book management unit manages cryptographic assets held by the holder,
The managed assets are assets different from the cryptographic assets managed by the book management unit,
If cryptographic assets of the holder is reduced by the redemption, whether the matchmaking asset management unit to hold assets each other seen that corresponds to the encryption assets that the issuer be redeemed at the issuer asset unit If the matching asset management unit determines that the matching asset management unit holds the matching asset, the matching asset management unit transfers a part or all of the managed assets managed by the issuer asset unit to the holder. The book management unit redeems the cryptographic assets held by the holder,
If the cryptographic assets of the holder are reduced in accordance with the holding period of the cryptographic assets, the matching asset management unit does not determine whether to hold the matching assets or transfer the managed assets, and performs the book management. A cryptographic asset management method including a step of reducing an amount of cryptographic assets corresponding to a holding period for the cryptographic assets of the holder.

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