JP7274651B1 - Information processing device, information processing method and program - Google Patents

Abstract

An object of the present invention is to allow users to easily use crypto assets. A settlement server (2) includes an information acquisition unit (231) that acquires code information acquired by the user terminal reading a code image presented by a store where the user pays, from the user terminal used by the user; The information specified by the code information is determined to meet the conditions for permitting the use of the cryptocurrency, which stipulates the conditions under which the use of the payment is permitted, and the user makes a payment for the cryptocurrency. When it is determined that the conditions are satisfied, the presentation unit 233 presents the user terminal with an input screen for inputting the usage amount of the crypto asset corresponding to the amount used for payment at the store, and the user on the input screen. It has an input amount acquisition unit 234 that acquires the entered input amount, and a settlement unit 235 that settles the price based on the input amount. [Selection drawing] Fig. 2

Description

The present invention relates to an information processing device, an information processing method, and a program for processing information about crypto assets.

Patent Literature 1 describes a system for settlement with crypto assets (also referred to as virtual currency).

Japanese Unexamined Patent Application Publication No. 2018-77640

For the purpose of activating economic circulation within a region, cryptographic assets (for example, regional digital currency) that can be used for settlement in a specific region are being issued. However, the user must know which region or which store can use such crypto assets. For example, even if crypto assets can be used at a store used by the user, the user may not be aware that the store is a store where crypto assets can be used, or If you forget that you have a crypto asset, you may fail to use the crypto asset.

Therefore, the present invention has been made in view of these points, and an object of the present invention is to enable users to easily use crypto assets.

An information processing apparatus according to a first aspect of the present invention acquires, from a user terminal used by a user, code information acquired by the user terminal reading a code image presented by a store for which the user pays. a code information acquisition unit that determines that the information specified by the code information satisfies the conditions for permitting the use of crypto assets, which specify the conditions under which the use of the code information is permitted for payment, and that the user an input screen for inputting the usage amount of the cryptographic asset corresponding to the amount used for payment of the price at the store when it is determined that the payment conditions for paying the price with the cryptographic asset are satisfied; It has a presentation unit that presents information to a user terminal, an input amount acquisition unit that acquires an input amount input by the user on the input screen, and a payment unit that settles the price based on the input amount.

The settlement unit sends a transfer request for transferring the input amount from the user account associated with the user to the store account associated with the store, to the management system managing the crypto asset account. You may settle the said price by notifying.

After the input amount is transferred to the store account, if the store uses the crypto assets of the input amount at another store, the information processing device provides a privilege according to the amount used by the store. You may further have a grant part which grants to the said user.

The code information may include store identification information for identifying a store, and the presenting unit may be configured such that a specific store specified by the store identification information included in the code information satisfies the use permission conditions. The input screen may be presented when it is determined that the condition is satisfied.

The code information acquisition unit may further acquire user identification information for identifying the user from the user terminal, and the presentation unit may determine whether the user identified by the user identification information is the payment terms. You may present the said input screen, when it determines with satisfy|filling.

The presentation unit determines, on the input screen, that the information specified by the code information among the types of crypto-assets satisfies the usage permission condition and that the user satisfies the payment condition. The type of the crypto-assets obtained may be presented.

The presentation unit may present a balance of crypto assets held by the user on the input screen.
The information processing device inquires of a management system that manages the crypto-asset account whether or not the crypto-asset account held by the user exists, and if there is a crypto-asset account held by the user, The apparatus may further include an inquiry unit that acquires the balance of the crypto assets held by the user, and the presentation unit may display the balance of the crypto assets acquired by the inquiry unit.
When the input amount is less than the price, the settlement unit may settle the difference between the price and the input amount in a predetermined currency owned by the user.

The presentation unit may present the input screen for inputting the usage amount of the crypto asset and the usage amount of a predetermined currency different from the crypto asset; On the screen, the input amount of the crypto-assets input by the user and the input amount of the predetermined currency input by the user may be acquired, and the settlement unit may acquire the input amount of the crypto-assets, The price may be settled based on the input amount in the predetermined currency.

An information processing method according to a second aspect of the present invention is executed by a computer and is acquired by a user terminal used by the user by reading a code image presented by the store where the user pays. determining that the information specified by the code information satisfies the conditions for permitting the use of the cryptocurrency for payment of the fee, and An input screen for inputting the usage amount of the crypto asset corresponding to the amount to be used for payment of the price at the store when it is determined that the user satisfies the payment conditions for paying the price with the crypto asset. is presented to the user terminal, the step of acquiring the input amount input by the user on the input screen, and the step of settling the payment based on the input amount.

A program according to a third aspect of the present invention causes a computer to read, from a user terminal used by a user, code information obtained by the user terminal reading a code image presented by a store where the user pays. a code information acquiring unit to acquire, the information specified by the code information is determined to satisfy the conditions for permitting the use of crypto-assets that define the conditions under which the use for payment is permitted, and the user an input screen for inputting the usage amount of the cryptographic asset corresponding to the amount used for payment of the price at the store when it is determined that the payment conditions for paying the price with the cryptographic asset are satisfied; It functions as a presentation unit that presents information to the user terminal, an input amount acquisition unit that acquires the input amount input by the user on the input screen, and a settlement unit that settles the price based on the input amount.

ADVANTAGE OF THE INVENTION According to this invention, there exists an effect that a user can enable it to utilize crypto assets easily.

1 is a schematic diagram of an information processing system according to an embodiment; FIG. It is a block diagram of a settlement server according to the present embodiment. 3 is a block diagram of a source user terminal according to the present embodiment; FIG. FIG. 4 is a schematic diagram for explaining how the information processing system manages crypto assets; It is a figure which represented typically an example of an input screen. 3 is a sequence diagram of an exemplary information processing method executed by the information processing system according to the present embodiment; FIG.

[Overview of information processing system S]
FIG. 1 is a schematic diagram of an information processing system S according to this embodiment. The information processing system S includes a crypto-asset management system 1, a settlement server 2, a source user terminal 3, and a destination user terminal 4. The information processing system S may include devices such as other servers and terminals.

The crypto-asset management system 1 is one or more computers for managing information about crypto-assets. Crypto assets can be used for payment and the like, and are electronic assets different from legal currencies (Japanese yen, US dollar, etc.). A crypto asset can be converted into a predetermined currency at a predetermined conversion ratio. A crypto asset is associated with a user who holds the crypto asset in, for example, a storage device, and is transferred from a user who is a customer to a user who is a store when used for payment.

A crypto-asset is an electronic asset managed by, for example, a blockchain. Crypto assets are not limited to blockchains, and may be electronic assets managed by a database or the like. Crypto assets are managed in units of assets, which are predetermined units used for settlement (for example, units in circulation). Hereinafter, the asset unit of crypto assets is called a coin, but other names may be used.

In this embodiment, crypto assets are, for example, regional digital currencies that can be used in a predetermined region. Payments using crypto assets, which are regional digital currencies, can be performed at stores within a predetermined area, and cannot be performed at stores outside the area. Also, settlement using crypto assets, which are regional digital currencies, may be executable only at predetermined stores (for example, registered stores) within a predetermined area.

Also, crypto assets are, for example, local digital currencies that can be used by predetermined users. Payments using crypto assets, which are regional digital currencies, can be executed at stores within a specified region in response to requests from specified users, and at stores inside and outside the specified regions at requests from users other than the specified users. Not feasible. In a predetermined area and a predetermined user, for example, it is determined by the bearer who bears the funds for issuing the crypto assets.

The crypto-asset management system 1 manages the crypto-asset owned by each user in the crypto-asset account associated with the user. For each type of crypto-asset, the areas where it can be used (stores where it can be used) and the users who can use it are predetermined, and the crypto-asset management system 1 manages crypto-asset accounts for each of a plurality of types of crypto-assets. You may The types of crypto-assets are, for example, areas where the use of crypto-assets is permitted, stores where the use of crypto-assets is permitted, or bearers of crypto-assets. The crypto-asset management system 1 transfers crypto-asset from one user's crypto-asset account to another user's crypto-asset account, for example, in response to a transfer request received from the settlement server 2 . The crypto-asset management system 1 can communicate with the payment server 2, the destination user terminal 4, and the destination user terminal 4 via a network.

The payment server 2 (information processing device) is a computer for making payments using crypto assets. For example, in response to receiving a payment request from the source user terminal 3, the settlement server 2 transfers the crypto assets corresponding to the amount to be settled to the crypto asset management system 1 from the source user to the destination user. Submit a transfer request to The settlement server 2 can communicate with the crypto-asset management system 1, the source user terminal 3, and the destination user terminal 4 via a network.

The source user terminal 3 (information processing terminal) is a computer used by the source user. The source user is, for example, a customer who pays for a product (goods, service, etc.) to a destination user, who is a store, using crypto assets. Alternatively, the source user may be a store that pays the destination user, which is another store, using crypto assets. The source user terminal 3 is, for example, a smart phone, a tablet terminal, or a personal computer. The source user terminal 3 has an operation unit such as a touch panel or a keyboard for receiving operations, a display unit such as a liquid crystal display for displaying information, and an imaging unit such as a camera for reading information. The source user terminal 3 can communicate with the settlement server 2 via a network.

The destination user terminal 4 is a computer used by the destination user. The destination user is, for example, a store that receives payment using cryptocurrency from a source user who is a customer or a store. The destination user terminal 4 is, for example, a smart phone, a tablet terminal, or a personal computer. The destination user terminal 4 has an operation unit such as a touch panel or a keyboard for receiving operations, and a display unit such as a liquid crystal display for displaying information. The destination user terminal 4 generates a code image such as a QR code (registered trademark) for the source user to settle the payment to the destination user, and displays the generated code image on the display unit. . Note that the code image is not limited to being displayed by the destination user terminal 4, and may be installed at the destination user's shop in the form of a sticker or the like.

The outline of the processing executed by the information processing system S according to this embodiment will be described below. The source user terminal 3 acquires the code information by reading the code image displayed on the display unit of the destination user terminal 4 ((1) in FIG. 1). The code information includes, for example, identification information (destination user ID (identifier)) for identifying the store that is the destination user. The source user terminal 3 transmits the acquired code information to the settlement server 2 ((2) in FIG. 1). The code information may include an ID of a payment service provider capable of providing payment to the destination user.

When the settlement server 2 acquires the code information from the source user terminal 3 and determines that the predetermined condition is satisfied, the settlement server 2 transmits screen information for presenting an input screen to the source user terminal 3 (Fig. 1 in (3)). The settlement server 2, as a predetermined condition, when it is determined that the source user satisfies the payment condition. The payment terms are conditions for the source user to pay with the crypto assets, and include, for example, whether the source user is a user who can use the crypto assets. The input screen is a screen for inputting the usage amount of the crypto asset corresponding to the amount to be used for payment to the destination user. For example, the settlement server 2 inquires of the crypto-asset management system 1 whether or not the crypto-asset account of the source user exists, and based on the information transmitted by the crypto-asset management system 1 in response to the inquiry, determines whether the source user determines whether or not meets the payment conditions.

In addition, the settlement server 2 transmits screen information to the source user terminal 3 when it is determined as a predetermined condition that the specific information specified by the acquired code information satisfies the conditions for permitting the use of crypto assets. The specific information is, for example, the ID of the user who receives the payment or the ID of the settlement company. Conditions for permitting use are conditions for permitting the use of cryptographic assets that stipulate the conditions under which usage is permitted for payment of fees. or whether the store is a store that allows the use of crypto assets. The usage permission condition may be whether or not the store has a crypto asset account.

The settlement server 2 determines, for example, whether or not the area where the specific store identified by the destination user's ID is located is an area where crypto assets can be used, or whether the specific store is a store where crypto assets can be used. Determine whether or not there is The settlement server 2 inquires of the crypto-asset management system 1 whether or not the specific store has a crypto-asset account based on the ID of the destination user. It may be determined whether or not the permission conditions are satisfied. In this case, when the crypto-asset management system 1 acquires the destination user ID from the settlement server 2, it determines whether or not there is a crypto-asset account associated with the destination user ID, and determines whether or not the crypto-asset account exists. The result is sent to the settlement server 2. When the settlement server 2 determines that the specific information does not satisfy the crypto-asset usage permission conditions, or acquires a determination result indicating that the crypto-asset account of the source user does not exist from the crypto-asset management system 1, the screen Transmission of information may be prohibited.

The source user terminal 3 transmits a settlement request to the settlement server 2 according to the operation by the source user on the input screen displayed on the display unit ((4) in FIG. 1). The payment request includes, for example, identification information for identifying the user who is the source user (ID of the source user), the ID of the destination user, and the amount of crypto assets entered by the source user on the input screen. including.

The settlement server 2 transmits to the crypto-asset management system 1 a transfer request for transferring the crypto-asset corresponding to the input amount indicated in the settlement request received from the source user terminal 3 from the source user to the destination user (Fig. (5) in 1). The transfer request includes, for example, the input amount, the ID of the source user, and the ID of the destination user.

Then, the crypto-asset management system 1 transfers the crypto-asset corresponding to the settlement amount indicated by the transfer request received from the settlement server 2 from the source user's crypto-asset account to the destination user's crypto-asset account (see FIG. 1 In (6)), the crypto-asset management system 1, for example, adds data to the blockchain indicating that the holder of the crypto-asset corresponding to the settlement amount is to be changed from the source user to the destination user.

In this way, the information processing system S presents the input screen to the source user according to whether or not cryptocurrency can be used as payment for the payment made by the source user to the destination user, and uses the presented input screen. Settle based on the input amount entered by the original user. As a result, for example, at the time of settlement, the information processing system S does not know whether or not the cryptographic asset held by the source user is available for use, or the source user does not know whether the cryptographic asset is available to the destination user. By presenting available crypto-assets to the destination user on the input screen, even if the user forgets that he or she possesses such crypto-assets, the source user can easily use the crypto-assets. can do.
The configurations of the settlement server 2 and the source user terminal 3 will be described below.

[Configuration of Settlement Server 2]
FIG. 2 is a block diagram of the settlement server 2 according to this embodiment. In FIG. 2, arrows indicate main data flows, and there may be data flows other than those shown in FIG. In FIG. 2, each block does not show the configuration in units of hardware (apparatus), but the configuration in units of functions. As such, the blocks shown in FIG. 2 may be implemented within a single device, or may be implemented separately within multiple devices. Data exchange between blocks may be performed via any means such as a data bus, network, or portable storage medium.

The settlement server 2 has a communication section 21 , a storage section 22 and a control section 23 . The settlement server 2 may be configured by connecting two or more physically separated devices by wire or wirelessly. Moreover, the settlement server 2 may be configured by a cloud that is a collection of computer resources.

The communication unit 21 has a communication controller for transmitting and receiving data among the crypto-asset management system 1, the source user terminal 3, and the destination user terminal 4 via the network. The communication unit 21 notifies the control unit 23 of data received from the crypto-asset management system 1, the source user terminal 3, or the destination user terminal 4 via the network. The communication unit 21 also transmits data output from the control unit 23 to the crypto-asset management system 1, the source user terminal 3, or the destination user terminal 4 via the network.

The storage unit 22 is a storage medium including a ROM (Read Only Memory), a RAM (Random Access Memory), a hard disk drive, and the like. The storage unit 22 stores programs executed by the control unit 23 in advance. The storage unit 22 may be provided outside the settlement server 2, in which case data may be exchanged with the control unit 23 via a network.

The control unit 23 has an information acquisition unit 231 , a determination unit 232 , a presentation unit 233 , an input amount acquisition unit 234 , a settlement unit 235 and a grant unit 236 . The control unit 23 is a processor such as a CPU (Central Processing Unit), for example, and by executing a program stored in the storage unit 22, an information acquisition unit 231, a determination unit 232, a presentation unit 233, an input amount acquisition unit 234 , the settlement unit 235 and the granting unit 236 . Processing performed by the information acquisition unit 231, the determination unit 232, the presentation unit 233, the input amount acquisition unit 234, the settlement unit 235, and the grant unit 236 will be described later.

[Configuration of source user terminal 3]
FIG. 3 is a block diagram of the source user terminal 3 according to this embodiment. In FIG. 3, arrows indicate main data flows, and there may be data flows other than those shown in FIG.

The source user terminal 3 has an imaging unit 31 , a communication unit 32 , a display unit 33 , an operation unit 34 , a storage unit 35 and a control unit 36 . The imaging unit 31 is a camera that captures a captured image. In addition, the imaging unit 31 notifies the control unit 36 of the captured image.

The communication unit 32 has a communication controller for transmitting and receiving data with the crypto-asset management system 1 or the settlement server 2 via the network. The communication unit 32 notifies the control unit 36 of data received from the crypto-asset management system 1 or the settlement server 2 via the network. The communication unit 32 also transmits data output from the control unit 36 to the crypto-asset management system 1 or the settlement server 2 via the network.

The display unit 33 is a liquid crystal display for displaying information. The operation unit 34 is a touch panel, a keyboard, or the like for accepting operations.

The storage unit 35 is a storage medium including ROM, RAM, hard disk drive, and the like. The storage unit 35 stores programs executed by the control unit 36 in advance. The storage unit 35 may be provided outside the source user terminal 3, in which case data may be exchanged with the control unit 36 via a network.

The control unit 36 has a code information acquisition unit 361 , an inquiry unit 362 , a display control unit 363 , an asset information acquisition unit 364 , an operation reception unit 365 and a transmission unit 366 . The control unit 36 is, for example, a processor such as a CPU, and by executing programs stored in the storage unit 35, a code information acquisition unit 361, an inquiry unit 362, a display control unit 363, an asset information acquisition unit 364, an operation reception unit, and so on. It functions as a section 365 and a transmission section 366 . Processing performed by the code information acquisition unit 361, the inquiry unit 362, the display control unit 363, the property information acquisition unit 364, the operation reception unit 365, and the transmission unit 366 will be described later.

[Description of account]
First, a method for managing crypto assets by the information processing system S will be described. FIG. 4 is a schematic diagram for explaining how the information processing system S manages crypto assets.

The crypto-asset management system 1 manages crypto-assets held by each of a plurality of users in crypto-asset accounts. Each of the plurality of users' crypto-asset accounts is associated with the user's ID (eg, the crypto-asset account's ID). The crypto-asset management system 1 manages crypto-assets by depositing and withdrawing crypto-assets to and from crypto-asset accounts, or transferring crypto-assets between a plurality of crypto-asset accounts.

The crypto-asset management system 1 manages crypto-assets using a coin as an asset unit, for example, using blockchain. The crypto-asset management system 1 stores, for example, a block (data) that associates a user's ID with transaction details in the user's crypto-asset account as a block chain on one or more storage devices on the network. do. Each block in the blockchain contains a hash value generated according to a predetermined rule, and by confirming the consistency of hash values between blocks, the correctness of the entire blockchain is guaranteed.

The crypto-asset management system 1 is not limited to blockchain, and for example, data that associates a user's ID, the balance of the user's crypto-asset account, and the content of one or more transactions in the user's crypto-asset account. may be stored as a database on the storage unit of the crypto-asset management system 1.

[Description of presentation process]
Next, the configuration for the information processing system S to execute the process of presenting the cryptocurrency that can be used for payment to the source user will be described below. In the settlement server 2 , the information acquisition section 231 functions as a code information acquisition section and acquires code information from the user terminal 3 . The code information is information acquired by the source user terminal 3 reading a code image presented by the destination user for whom the source user pays, and includes, for example, the destination user's ID. The code information may further include the ID of the settlement company.

Specifically, first, in the source user terminal 3, the code information acquisition unit 361 acquires code information by having the imaging unit 31 read the code image. The inquiry unit 362 sends the code information acquired by the code information acquisition unit 361 to the payment server 2 to inquire of the payment server 2 as to whether or not the source user can use the crypto asset as payment. Then, the information acquisition unit 231 of the settlement server 2 acquires the code information from the user terminal 3 of the user. The information acquisition unit 231 may further acquire the ID of the source user who uses the source user terminal 3 that has transmitted the code information.

In the settlement server 2, when the information acquisition unit 231 acquires the code information from the source user terminal 3, the presentation unit 233 determines that the specific information specified by the code information satisfies the usage permission conditions for the crypto assets. , an input screen is presented to the source user terminal 3 . Specifically, the presentation unit 233 presents the input screen when it is determined that the destination user (specific store) specified by the destination user ID included in the code information satisfies the usage permission conditions.

For example, when the specific information is the destination user ID, the determination unit 232 determines that the specific store identified by the destination user ID included in the code information exists in an area where the use of crypto assets is permitted. By determining whether or not, it is determined whether or not the specific information satisfies the conditions for permission to use the crypto assets. For example, the storage unit 22 stores a permission list of destination users who are permitted to use the crypto assets, and the determination unit 232 determines whether a specific store specified by the destination user ID included in the code information is stored. is included in the permission list, it may be determined whether or not the specific information satisfies the conditions for permission to use crypto assets.

The determination unit 232 further functions as an inquiry unit, and by transmitting the ID of the destination user included in the code information to the crypto-asset management system 1, determines whether or not the crypto-asset account held by the specific store exists. You may inquire to the asset management system 1. When the crypto-asset management system 1 acquires the destination user ID from the settlement server 2, the crypto-asset management system 1 determines whether or not there is a crypto-asset account associated with the destination user ID. , the determined determination result is transmitted to the settlement server 2 . Then, when the determination unit 232 acquires a determination result indicating that a crypto-asset account held by the specific store exists, the determination unit 232 determines that the specific information satisfies the crypto-asset use permission conditions, and determines that the crypto-asset use permission condition is held by the specific store. If a determination result indicating that the account does not exist is obtained, it is determined that the specific information does not satisfy the conditions for permission to use the crypto assets.

For example, if the specific information is the ID of a payment operator, the determination unit 232 determines whether the ID of the payment operator included in the code information indicates the payment operator that manages the payment server 2. It may be determined whether or not the conditions for permitting use of assets are satisfied. The presentation unit 233 transmits screen information for presenting an input screen to the source user terminal 3 when the determination unit 232 determines that the specific information specified by the code information satisfies the conditions for permission to use crypto assets. .

In the source user terminal 3, the inquiry unit 362 acquires screen information from the settlement server 2 as a result of querying the settlement server 2 as to whether or not the source user can use the crypto assets for payment. Then, the display control unit 363 causes the display unit 33 to display an input screen based on the screen information acquired by the inquiry unit 362 .

The presentation unit 233 further presents the input screen to the source user terminal 3 when it is determined that the source user satisfies the payment conditions. Specifically, the presentation unit 233 further presents the input screen when it is determined that the source user identified by the source user ID satisfies the payment conditions.

For example, the determination unit 232 further functions as an inquiry unit, and first determines whether or not the crypto-asset account of the source user identified by the source user ID exists among the crypto-asset accounts managed by the crypto-asset management system 1. An inquiry is made to the crypto-asset management system 1 as to whether If there is a crypto-asset account associated with the source user ID inquired from the settlement server 2, the crypto-asset management system 1 sends information indicating that the crypto-asset account of the source user exists to the settlement server 2. , and if the crypto-asset account associated with the source user ID does not exist, information indicating that the crypto-asset account of the source user does not exist is transmitted to the settlement server 2 . If there is a crypto-asset account associated with the source user ID inquired by the settlement server 2 , the crypto-asset management system 1 may further transmit the balance of the crypto-asset account to the settlement server 2 . The determination unit 232 determines whether or not the source user satisfies the crypto-asset payment conditions by determining whether or not the source user has a crypto-asset account based on the information acquired from the crypto-asset management system 1. . Note that the storage unit 22 stores a list of user's crypto-asset accounts in advance. It may be determined whether a user's cryptocurrency account exists.

Then, when it is determined that the specific information specified by the code information satisfies the conditions for permitting use of the crypto asset and the source user satisfies the payment conditions, the presentation unit 233 displays the input screen to the source. Presented to the user terminal 3 . That is, when the display control unit 363 of the source user terminal 3 determines that the specific information specified by the code information satisfies the conditions for permission to use the crypto assets and determines that the source user satisfies the payment conditions. Then, the input screen based on the screen information is displayed on the display unit 33 .

FIG. 5 is a diagram schematically showing an example of an input screen. In the example shown in FIG. 5, the input screen displays the balance of crypto assets held by the source user (coins owned) and input items for inputting the amount of crypto assets to be used for payment. ing. As shown in FIG. 5, the presentation unit 233 may further present the balance of the crypto assets held by the source user on the input screen.

For example, the presentation unit 233 transmits to the crypto-asset management system 1 a request for presentation of the balance of the crypto-asset account associated with the source user, and the crypto-asset management system 1 transmits the balance of the source user in response to the request for presentation. Present the balance of crypto assets on the input screen. By doing so, the source user can recognize how much cryptocurrency is available for payment to the destination user.

In the input screen, the presentation unit 233 determines that the specific information specified by the code information among the plurality of types of crypto assets satisfies the usage permission conditions, and determines that the source user satisfies the payment conditions. You may present the type of crypto assets. For example, first, the determining unit 232 determines whether or not the specific information specified by the code information satisfies the conditions for permission to use the crypto-assets and whether the source user satisfies the payment conditions for each type of crypto-assets. judge. Then, the presentation unit 233 presents the type of crypto-asset determined by the determination unit 232 that the specific information satisfies the use permission condition and the payment condition is satisfied by the source user, among the plurality of types of crypto-asset.

For example, if there is only one type of crypto-asset determined to satisfy the above conditions, the presentation unit 233 presents to the source user terminal 3 an input screen for inputting the usage amount of the type of crypto-asset. . Further, when there are two or more types of crypto assets that are determined to satisfy the above conditions, the presentation unit 233 displays an input screen for inputting the usage amount of at least one of the plurality of types of crypto assets. Presented to the source user terminal 3 . In this way, even if the source user owns a plurality of crypto assets, it is possible for the destination user to recognize which crypto assets can be used for payment.

Although an example in which the settlement server 2 executes determination processing has been described above, the present invention is not limited to this. For example, the source user terminal 3 may execute the determination process. For example, the storage unit 35 of the source user terminal 3 stores a permission list of destination users in advance. In this case, the inquiry unit 362 further functions as a determination unit, and determines whether or not the specific store specified by the ID of the destination user included in the code information is included in the permission list. determines whether or not satisfies the conditions for permitting the use of crypto assets.

The inquiry unit 362 also determines whether or not the crypto-asset account of the source user identified by the source user ID exists among the crypto-asset accounts managed by the crypto-asset management system 1 . For example, the inquiry unit 362 determines that the specific information specified by the code information satisfies the conditions for permission to use the crypto assets, and determines that the source user specified by the source user ID satisfies the payment conditions. screen information from the payment server 2.

If the presentation unit 233 of the settlement server 2 determines that the specific information specified by the code information does not satisfy the conditions for permitting the use of crypto assets, or if it is determined that the source user does not satisfy the payment conditions, An input screen for settlement in a predetermined currency owned by the former user may be presented to the former user. The predetermined currency is, for example, an electronic currency, and the settlement server 2 manages the electronic currency charged by the user. When it is determined that the specific information specified by the code information does not satisfy the conditions for permitting use of the crypto assets, or when it is determined that the source user does not satisfy the payment conditions, the presentation unit 233 presents the input screen. Alternatively, the payment may be made by the payment unit 235 to be described later.

[Description of payment process]
Next, the configuration for the information processing system S to execute the process of settlement using cryptocurrency will be described below. In the settlement server 2, the input amount acquisition unit 234 acquires a settlement request including the input amount input by the source user on the input screen. The payment request is for causing the crypto-asset management system 1 to transfer the input amount from the crypto-asset account (user account) associated with the source user to the crypto-asset account (store account) associated with the destination user. and includes, for example, the ID of the source user, the ID of the destination user, and the amount entered by the source user on the input screen.

Specifically, first, in the source user terminal 3, when the operation receiving unit 365 receives the input of the amount of crypto assets used by the source user on the input screen displayed on the display unit 33, the transmitting unit 366 A settlement request using crypto assets is transmitted to the settlement server 2. - 特許庁Then, in the payment server 2 , the input amount acquisition unit 234 acquires the payment request from the user terminal 3 of the source of use.

When the input amount acquisition unit 234 acquires the payment request, the settlement unit 235 settles the price based on the input amount included in the payment request. Specifically, the settlement unit 235 transfers the crypto-asset account associated with the source user (source user account) to the crypto-asset account (use The payment is settled by notifying a transfer request for transferring the payment amount (input amount) to the destination user's account.

The settlement unit 235 notifies the crypto-asset management system 1 of the transfer request when at least the crypto-asset is included in the currency used for settlement in the settlement request. On the other hand, the payment unit 235 makes a payment in a predetermined currency owned by the source user when crypto assets are not included in the currency used for payment in the payment request.

When the crypto-asset management system 1 acquires the transfer request from the settlement server 2, the crypto-asset management system 1 transfers the crypto-asset corresponding to the settlement amount indicated by the input amount included in the transfer request from the source user's crypto-asset account to the destination user's crypto-asset account. move to For example, when managing cryptographic assets using a blockchain, the crypto-asset management system 1 instructs the blockchain to change the holder of the coin corresponding to the payment amount from the source user to the destination user. Add a block to show In addition, for example, when managing cryptographic assets using a database, the crypto-asset management system 1 subtracts coins corresponding to the settlement amount from the crypto-asset account of the source user in the database, Coins corresponding to the settlement amount may be added to the account.

If the input amount is less than the price, the settlement unit 235 may settle the difference between the price and the input amount in a predetermined currency owned by the source user. The information indicating the price may be included in the code information acquired by the information acquisition unit 231 , may be input by the source user on the input screen, or may be acquired from the destination user terminal 4 . Specifically, the settlement unit 235 first determines whether the input amount included in the settlement request is less than the price. If the settlement unit 235 determines that the input amount included in the settlement request is not less than the price, it settles the price based on the input amount. On the other hand, if the settlement unit 235 determines that the input amount included in the settlement request is less than the price, it settles the price with the input amount, the price, and the electronic currency for the difference between the input amount. Note that, if the balance of the electronic currency held by the source user is less than the difference between the price and the input amount, the settlement unit 235 may charge the balance to settle the balance. By doing so, the settlement server 2 can allow the source user to use a plurality of assets (cryptographic assets, electronic currency, etc.).

The payment unit 235 may make a payment with a cryptocurrency and a predetermined currency in response to a payment request. Specifically, first, in the source user terminal 3, when the input amount is less than the price, the transmission unit 366 sends a predetermined amount corresponding to the difference between the price and the input amount in a predetermined currency owned by the source user Submit a payment request that additionally includes the amount spent in the currency of Then, in the payment server 2, the payment unit 235 makes a payment with the input amount of crypto assets and the amount of use of a predetermined currency included in the payment request. By doing so, the source user terminal 3 can allow the source user to use a plurality of assets.

The input screen is provided with a first input item for inputting the amount of crypto assets used and a second input item for inputting the amount of electronic currency used. A settlement request may be transmitted that includes the amount of cryptocurrency input by the source user in the first input item and the amount of electronic currency input by the source user in the second input item.

The settlement server 2 may give a benefit to the source user according to the distribution frequency of the crypto assets used by the source user. The privilege is, for example, points that can be used for services provided by the bearer of the crypto assets. Specifically, after the input amount of crypto assets has been transferred to the crypto asset account of the destination user, the granting unit 236 determines if the destination user uses the input amount of crypto assets at another user (store). , to provide the source user with a privilege according to the amount used by the destination user.

For example, when the crypto assets are managed using a blockchain, the granting unit 236 first refers to the blocks of the crypto assets used by the destination user, Identify the source user. Then, the granting unit 236 grants to the identified source user a privilege according to the amount used by the destination user. When the crypto-asset management system 1 manages the crypto-asset transfer history, the granting unit 236 refers to the crypto-asset transfer history and identifies the source user who held the crypto-asset immediately before the destination user. identify. For example, the granting unit 236 grants more points as the destination user spends more money. By doing so, the settlement server 2 can encourage the use of crypto assets.

[Sequence of information processing method]
FIG. 6 is a sequence diagram of an exemplary information processing method executed by the information processing system S according to this embodiment. This processing is started when the code information acquisition unit 361 of the user terminal 3 acquires the code information by reading the code image with the imaging unit 31 (S1). The inquiry unit 362 transmits the code information acquired by the code information acquisition unit 361 and the ID of the source user to the settlement server 2 (S2).

In the settlement server 2, when the code information acquisition unit 361 acquires the code information and the ID of the source user from the source user terminal 3, the determination unit 232 determines the identification specified by the ID of the destination user included in the code information. It is determined whether or not the shop exists in an area where the use of crypto assets is permitted, and whether or not there is a crypto asset account of the source user specified by the source user ID (S3).

The presentation unit 233 transmits screen information according to the determination result of the determination unit 232 to the user terminal 3 (S4). When it is determined that the specific information specified by the code information satisfies the conditions for permitting the use of crypto assets and the source user satisfies the payment conditions, the presentation unit 233 provides a Screen information for presenting an input screen is transmitted to the source user terminal 3 . On the other hand, when it is determined that the specific information specified by the code information does not satisfy the conditions for permitting the use of crypto assets, or when it is determined that the source user does not satisfy the payment conditions, the presentation unit 233 screen information for presenting an input screen for settlement with is transmitted to the source user terminal 3.

In the source user terminal 3, the display control unit 363 causes the display unit 33 to display an input screen based on the screen information. The operation accepting unit 365 accepts the input of the usage amount of at least one of the crypto asset and the predetermined currency on the input screen (S5). The transmitting unit 366 transmits to the settlement server 2 a settlement request including the input amount input by the source user (S6).

The settlement unit 235 determines whether or not at least cryptocurrency is included in the currency used for settlement in the settlement request (S7). If the settlement unit 235 determines that the currency used for settlement in the settlement request does not include the cryptocurrency (NO in S7), the settlement unit 235 settles in a predetermined currency owned by the source user (S8).

On the other hand, if the payment unit 235 determines that the cryptocurrency is included in the currency used for payment in the payment request (YES in S7), it notifies the crypto-asset management system 1 of the transfer request (S9). Then, the crypto-asset management system 1 transfers the crypto-asset corresponding to the settlement amount indicated by the input amount included in the transfer request from the crypto-asset account of the source user to the crypto-asset account of the destination user (S10).

<Modification>
In the above, the information processing system S explained an example in which the use of crypto assets is controlled based on the code information, but the present invention is not limited to this. For example, the information processing system S may control the use of crypto assets based on the location of the user terminal 3 of the source of use.

For example, the source user terminal 3 further has a GPS (Global Positioning System) receiver (not shown), and the settlement server 2 receives information received by the GPS receiver when the source user terminal 3 reads the code image. An input screen is presented to the source user terminal 3 according to whether the location of the source user terminal 3 specified based on is included in the area where the crypto asset is available.

For example, the crypto-assets can be used in any region, and the settlement server 2, in the case of giving points according to the use of the crypto-assets, Points may be given according to whether the position of the user terminal 3 is included in a predetermined area. For example, when the location of the source user terminal 3 is included in a predetermined area, the settlement server 2 gives more points than when the location of the source user terminal 3 is not included in the predetermined area.

The predetermined area is predetermined by the settlement server 2, and may be changed to a different area every predetermined period. In this case, for example, the payment server 2 may present on a map areas where more points are awarded. Also, for example, the settlement server 2 may further present on the map an area that is scheduled to be changed after a predetermined period of time has elapsed.

[Effects of this embodiment]
As described above, the information processing system S presents the input screen to the source user according to whether or not the crypto asset can be used to settle the payment that the source user pays to the destination user, and on the presented input screen Payment is made based on the input amount entered by the source user. As a result, for example, at the time of settlement, the information processing system S does not know whether or not the cryptographic asset held by the source user is available for use, or the source user does not know whether the cryptographic asset is available to the destination user. By presenting available crypto-assets to the destination user on the input screen, even if the user forgets that he or she possesses such crypto-assets, the source user can easily use the crypto-assets. can do.

The present invention makes it possible to contribute to Goal 9 of the Sustainable Development Goals (SDGs) led by the United Nations, "Industry and technological innovation."

Although the present invention has been described above using the embodiments, the technical scope of the present invention is not limited to the scope described in the above embodiments, and various modifications and changes are possible within the scope of the gist thereof. be. For example, all or part of the device can be functionally or physically distributed and integrated in arbitrary units. In addition, new embodiments resulting from arbitrary combinations of multiple embodiments are also included in the embodiments of the present invention. The effect of the new embodiment caused by the combination has the effect of the original embodiment.

1 crypto-asset management system 2 settlement server 21 communication unit 22 storage unit 23 control unit 231 information acquisition unit 232 determination unit 233 presentation unit 234 input amount acquisition unit 235 settlement unit 236 grant unit 3 source user terminal 31 imaging unit 32 communication unit 33 Display unit 34 Operation unit 35 Storage unit 36 Control unit 361 Code information acquisition unit 362 Inquiry unit 363 Display control unit 364 Asset information acquisition unit 365 Operation reception unit 366 Transmission unit 4 Destination user terminal S Information processing system

Claims (11)

An information processing device that performs payment using cryptographic assets for which the conditions under which usage is permitted for payment are stipulated,
From a user terminal used by a user, the user terminal receives the code image, which is a code image presented by the store to which the user pays and includes an ID of a payment business operator capable of providing payment to the store. a code information acquisition unit that acquires code information acquired by reading;
determining whether or not the ID of the payment business operator included in the code information acquired by the code information acquisition unit indicates a business operator managing the information processing device as a condition for permitting use of the crypto asset; , a determination unit that determines whether the user satisfies the payment conditions for paying the price with the crypto assets;
Only when the determination unit determines that the use permission condition and the payment condition are met , the input screen for inputting the amount of the crypto asset used corresponding to the amount used for the payment of the price at the store is provided. a presentation unit for presenting to the user terminal;
an input amount acquisition unit that acquires an input amount input by the user on the input screen;
By notifying the management system that manages the crypto asset account of a transfer request for transferring the input amount from the user account associated with the user to the store account associated with the store, a settlement unit that settles the price;
Information processing device having After the input amount is transferred to the account of the store, if the store uses the crypto asset of the input amount at another store, granting to the user a privilege corresponding to the amount used by the store. further comprising
The information processing device according to claim 1 . The code information further includes store identification information for identifying the store,
The presentation unit presents the input screen when it is determined that the specific store specified by the store identification information included in the code information satisfies the usage permission conditions.
The information processing device according to claim 1 . The code information acquisition unit further acquires user identification information for identifying the user from the user terminal,
The presentation unit presents the input screen when it is determined that the user identified by the user identification information satisfies the payment condition.
The information processing device according to claim 1 . The presentation unit determines, on the input screen, that the information specified by the code information among the types of crypto-assets satisfies the usage permission condition and that the user satisfies the payment condition. presenting the type of said crypto-assets obtained;
The information processing device according to claim 1 . The presentation unit presents the balance of crypto assets held by the user on the input screen;
The information processing apparatus according to any one of claims 1 to 5 . Inquiring of a management system for managing the crypto-asset account as to whether or not the crypto-asset account held by the user exists, and if the crypto-asset account held by the user exists, further comprising a query unit for obtaining balances of assets;
The presentation unit displays the balance of the crypto assets acquired by the inquiry unit;
The information processing device according to claim 6 . When the input amount is less than the price, the payment unit settles the difference between the price and the input amount in a predetermined currency owned by the user.
The information processing apparatus according to any one of claims 1 to 5 . The presentation unit presents the input screen for inputting the usage amount of the crypto asset and the usage amount of a predetermined currency different from the crypto asset,
The input amount acquisition unit acquires the input amount of the crypto asset input by the user and the input amount of the predetermined currency input by the user on the input screen,
The settlement unit settles the payment based on the input amount of the crypto assets and the input amount of the predetermined currency.
The information processing apparatus according to any one of claims 1 to 5 . Executed by a computer that makes payment using cryptocurrency that has stipulated conditions for use for payment ,
From a user terminal used by a user, the user terminal receives the code image, which is a code image presented by the store to which the user pays and includes an ID of a payment business operator capable of providing payment to the store. obtaining code information obtained by reading;
Determining whether the ID of the payment business operator included in the acquired code information indicates the business operator managing the computer as a condition for permitting use of the crypto-asset, and determining whether the user uses the crypto-asset a step of determining whether payment conditions for paying the price are met;
Only when it is determined that the usage permission condition and the payment condition are met , an input screen is presented on the user terminal for inputting the usage amount of the crypto asset corresponding to the amount to be used for payment of the price at the store. and
obtaining an input amount entered by the user on the input screen;
By notifying the management system that manages the crypto asset account of a transfer request for transferring the input amount from the user account associated with the user to the store account associated with the store, a step of paying the price;
An information processing method comprising: A computer that performs payment using cryptocurrency whose use is permitted for payment
From a user terminal used by a user, the user terminal receives the code image, which is a code image presented by the store to which the user pays and includes an ID of a payment business operator capable of providing payment to the store. a code information acquisition unit that acquires code information acquired by reading;
Determining whether the ID of the payment business operator included in the code information acquired by the code information acquisition unit indicates a business operator managing the computer as a condition for permitting use of the crypto asset, and a determination unit that determines whether or not the user satisfies payment conditions for paying the price with the crypto assets;
Only when the determination unit determines that the use permission condition and the payment condition are met , the input screen for inputting the amount of the crypto asset used corresponding to the amount used for the payment of the price at the store is provided. a presentation unit for presenting to the user terminal;
an input amount acquisition unit that acquires an input amount input by the user on the input screen; and
By notifying the management system that manages the crypto asset account of a transfer request for transferring the input amount from the user account associated with the user to the store account associated with the store, a settlement unit that settles the price;
A program to function as

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