JP7274652B1 - Program, information processing terminal and information processing method - Google Patents

Abstract

An object of the present invention is to allow users to easily use crypto assets. A program includes a code information acquisition unit 361 that acquires code information by reading a code image presented by a store where the user pays for the source user terminal 3, and information specified by the code information is: If it is determined that the conditions for permitting the use of cryptocurrencies, which stipulate the conditions under which usage is permitted for payment, are met, and if it is determined that the user meets the payment conditions for paying with cryptocurrencies , a display control unit 363 that displays an input screen for inputting the amount of crypto assets used for payment at the store on the display unit, and a settlement using crypto assets including the input amount entered by the user on the input screen It functions as a transmission unit 366 that transmits a request. [Selection drawing] Fig. 3

Description

The present invention relates to a program, an information processing terminal, and an information processing method 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.

A program according to a first aspect of the present invention comprises a computer, a code information acquiring unit for acquiring code information by reading a code image presented by a store where a user pays, and specific information specified by the code information. is determined to meet the conditions for permitting the use of crypto-assets that stipulate the conditions under which usage is permitted for payment of charges, and said user satisfies the payment conditions for paying said charges with said crypto-assets. a display control unit for displaying on a display unit an input screen for inputting the usage amount of the crypto asset to be used for payment of the price at the store when the determination is made, and an input input by the user on the input screen; It functions as a transmission unit that transmits a payment request using the crypto asset including the amount.

The computer may further function as an inquiry unit for inquiring of a payment server for payment whether the specific information satisfies the use permission conditions, and the display control unit may further function as an inquiry unit for making a payment inquiry as to whether the specific information satisfies the use permission conditions. may display the input screen when the inquiry unit obtains an inquiry result indicating that the request satisfies the use permission conditions, and the transmission unit may transmit the payment request to the payment server good.

The computer further functions as a determination unit that refers to a storage unit that stores information indicating stores that are permitted to use the crypto assets, and determines whether or not the specific information satisfies the usage permission conditions. Alternatively, the display control unit may display the input screen when the determination unit determines that the specific information satisfies the usage permission condition.

The computer may further function as an inquiry unit that inquires of a management system that manages the crypto asset account whether the user satisfies the payment conditions, and the display control unit may further function as an inquiry unit that inquires whether the user satisfies the payment conditions. The input screen may be displayed when the inquiry unit acquires an inquiry result indicating that the payment conditions are satisfied.

The transmission unit sends the payment request for causing the management system managing the crypto asset account to transfer the input amount from the user account associated with the user to the store account associated with the store. You may send.

The code information may include shop identification information for identifying the shop. The input screen may be displayed when it is determined that the condition is satisfied.

The code information acquisition unit may further acquire user identification information for identifying the user, and the display control unit determines that the user identified by the user identification information satisfies the payment condition. When the input screen is entered, the input screen may be displayed.

The display control unit displays, among a plurality of types of crypto-assets, the type of crypto-assets for which it is determined that the specific information satisfies the usage permission conditions and that the user satisfies the payment conditions. You may let
The display control unit may display a balance of crypto assets held by the user on the input screen.

The computer inquires of a management system that manages the account of cryptographic assets whether or not there is an account of cryptographic assets held by the user, and if there is an account of cryptographic assets held by the user, the user and the display control unit may display the balance of the crypto assets acquired by the inquiry unit.

When the input amount is less than the price, the transmission unit transmits the settlement request further including a predetermined currency owned by the user and corresponding to the difference between the price and the input amount. may

The display control unit may display 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, and the transmission unit may display the input screen. , the settlement request including the input amount of the crypto asset input by the user and the input amount of the predetermined currency input by the user may be transmitted.

An information processing terminal according to a second aspect of the present invention includes a code information acquisition unit that acquires code information by reading a code image presented by a store where a user pays, and specific information that is specified by the code information. is determined to meet the conditions for permitting the use of crypto-assets that stipulate the conditions under which usage is permitted for payment of charges, and said user satisfies the payment conditions for paying said charges with said crypto-assets. a display control unit for displaying on a display unit an input screen for inputting the usage amount of the crypto asset to be used for payment of the price at the store when the determination is made, and an input input by the user on the input screen; and a transmitting unit that transmits a payment request using the crypto asset including the amount.

An information processing method according to a third aspect of the present invention is a computer-executed step of acquiring code information by reading a code image presented by a store where a user pays, and a code information specified by the code information. It is determined that the specific information satisfies the conditions for permitting the use of the cryptocurrency, which stipulates the conditions under which the use of the cryptocurrency is permitted, and the user specifies the payment conditions for paying the price with the cryptocurrency. a step of displaying on a display unit an input screen for inputting the usage amount of the crypto asset to be used for payment of the price at the store when it is determined that the conditions are satisfied; and an input input by the user on the input screen. and sending a payment request using said cryptocurrency including an 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 displays an input screen when it is determined that the specific information specified by the code information satisfies the conditions for permission to use crypto assets and the source user satisfies the payment conditions. . The specific information is, for example, the ID of the user who receives the payment or the ID of the settlement company. Usage permission conditions are conditions for permitting the use of crypto assets that stipulate the conditions under which usage is permitted for payment of the price. 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 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.

The source user terminal 3, for example, 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. After acquiring the code information from the source user terminal 3, the settlement server 2 determines whether or not the specific information specified by the code information satisfies the conditions for permission to use the crypto assets, and sends the determination result to the source user terminal 3. It transmits to the terminal 3 ((3) in FIG. 1).

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.

Also, the source user terminal 3, for example, transmits the ID of the source user to the crypto-asset management system 1 ((4) in FIG. 1). When acquiring the ID of the source user from the source user terminal 3, the crypto-asset management system 1 determines whether or not there is a crypto-asset account associated with the ID of the source user, and displays the determination result is transmitted to the source user terminal 3 ((5) in FIG. 1). Then, the source user terminal 3 acquires from the settlement server 2 a determination result indicating that the specific information satisfies the conditions for permission to use the crypto-asset, and a determination result indicating that the source user's crypto-asset account exists. is obtained from the crypto-asset management system 1, an input screen is displayed. When the source user terminal 3 acquires from the settlement server 2 a determination result indicating that the specified information does not satisfy the conditions for permission to use the crypto-asset, or obtains a determination result indicating that the source user's crypto-asset account does not exist If it is obtained from the crypto-asset management system 1, display of the input screen for settlement with the crypto-asset may be prohibited. Note that the source user terminal 3 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, and based on the result of the inquiry, the specific information is It may be determined whether or not conditions for permitting the use of crypto assets are satisfied.

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 ((6) 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. (7) 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 (8)), the crypto-asset management system 1, for example, adds data to the blockchain indicating that the owner 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 transmission 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 transmission 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 transmission 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 source user terminal 3, the code information acquisition unit 361 acquires code information by having the imaging unit 31 read the code image. The code information includes, for example, the ID of the destination user. The code information may further include the ID of the settlement company.

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. 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 .

When the information acquisition unit 231 acquires the code information from the source user terminal 3, the determination unit 232 determines whether or not the specific information specified by the code information satisfies the conditions for permission to use crypto assets. Specifically, the determination unit 232 determines whether or not the destination user (specific store) specified by the destination user ID included in the code information satisfies the usage permission condition.

For example, the determination unit 232 determines whether or not the specific store specified by the ID of the destination user included in the code information exists in an area where the use of crypto assets is permitted. Determines whether or not the conditions for permission to use crypto assets are satisfied. 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 transmitting unit 233 transmits the determination result determined by the determining unit 232 to the source user terminal 3 .

In the above, an example has been described in which the inquiry unit 362 of the source user terminal 3 inquires of the settlement server 2 whether or not the specific information satisfies the conditions for permitting the use of crypto assets, but the present invention is not limited to this. For example, the inquiry unit 362 may further function as a determination unit and determine whether or not the specific information satisfies the conditions for permission to use crypto assets. For example, the storage unit 35 stores information (e.g., a permission list) indicating source users who are permitted to use crypto assets, and the inquiry unit 362 retrieves the permission list stored in the storage unit 35. It is determined whether or not the specific information satisfies the conditions for permission to use the crypto assets.

The inquiry unit 362 further sends the ID of the source user to the crypto-asset management system 1 to inquire of the crypto-asset management system 1 whether the source user satisfies the payment conditions. When acquiring the ID of the source user from the source user terminal 3, the crypto-asset management system 1 determines whether or not there is a crypto-asset account associated with the ID of the source user, and displays the determination result to the source user terminal 3. If the crypto-asset management system 1 determines that there is a crypto-asset account associated with the ID of the source user, the crypto-asset management system 1 may transmit the balance of the crypto-asset account to the source user terminal 3 as the determination result.

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 crypto assets and determines that the source user satisfies the payment conditions, An input screen is displayed on the display unit 33 . Specifically, in the display control unit 363, the inquiry unit 362 acquires from the settlement server 2 a determination result indicating that the specific information satisfies the usage permission conditions for crypto assets, and the source user satisfies the payment conditions. from the crypto-asset management system 1, the display unit 33 displays an input screen.

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 display control unit 363 may further display the balance of crypto assets held by the source user on the input screen. By doing so, the source user can recognize how much cryptocurrency is available for payment to the destination user.

The display control unit 363 determines on the input screen that the specific information specified by the code information among the types of crypto assets satisfies the usage permission conditions and that the source user satisfies the payment conditions. You may display the type of crypto assets. For example, first, the inquiry unit 362 asks 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. Inquire. Then, the display control unit 363 displays, on the display unit 33, the type of crypto-asset for which the specific information satisfies the use permission conditions and the source user satisfies the payment conditions among the plurality of types of crypto-assets. Let

For example, if there is only one type of crypto-asset determined to satisfy the above conditions, the display control unit 363 causes the display unit 33 to display 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 display control unit 363 provides an input screen for inputting the usage amount of at least one of the plurality of types of crypto-assets. is displayed on the display unit 33 . 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.

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 display control unit 363 determines that the source user The display unit 33 may display an input screen for settlement with a predetermined currency held. The predetermined currency is, for example, an electronic currency, and the settlement server 2 manages the electronic currency charged by the user. If the source user terminal 3 determines that the specific information specified by the code information does not satisfy the usage permission conditions for the crypto assets, or determines that the source user does not satisfy the payment conditions, the input screen is displayed. You may let the settlement part 235 mentioned later settle without presenting.

[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. Note that the processes of S3 and S4 shown in FIG. 6 may be executed after the processes of S5 and S6. This processing is started when the code information acquisition unit 361 of the user terminal 3 acquires 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 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 (S3). The transmitting unit 233 transmits the determination result determined by the determining unit 232 to the source user terminal 3 (S4).

In the source user terminal 3, the inquiry unit 362 transmits the ID of the source user to the crypto-asset management system 1 (S5). When acquiring the ID of the source user from the source user terminal 3, the crypto-asset management system 1 determines whether or not there is a crypto-asset account associated with the ID of the source user, and displays the determination result is transmitted to the user terminal 3 (S6, S7).

In the source user terminal 3, the display control unit 363 causes the inquiry unit 362 to acquire from the settlement server 2 the determination result indicating that the specific information satisfies the conditions for permitting the use of crypto assets, and the source user confirms the payment conditions. When the inquiry unit 362 acquires the determination result indicating that the requirements are satisfied from the crypto-asset management system 1, the display unit 33 is caused to display an input screen. 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 (S8). The transmitting unit 366 transmits to the settlement server 2 a settlement request including the input amount input by the source user (S9).

The settlement unit 235 determines whether at least crypto assets are included in the currency used for settlement in the settlement request (S10). When the settlement unit 235 determines that the currency used for settlement in the settlement request does not include the cryptocurrency (NO in S10), the settlement unit 235 settles in a predetermined currency owned by the source user (S11).

On the other hand, if the settlement unit 235 determines that the cryptocurrency is included in the currency used for settlement in the settlement request (YES in S10), it notifies the crypto-asset management system 1 of the transfer request (S12). 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 (S13).

<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 is identified based on information received by the GPS receiver when the source user terminal 3 reads the code image. The input screen is displayed on the display unit 33 according to whether or not the location of the source user terminal 3 is included in the area where the crypto-assets can be used.

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 transmission unit 234 input amount acquisition unit 235 settlement unit 236 addition 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 (14)

the computer,
a code information acquisition unit that acquires code information by reading a code image presented by a store where the user pays;
It is determined that the specific information specified by the code information acquired by the code information acquisition unit satisfies the conditions for permitting the use of the crypto assets, which specify the conditions under which the use for payment is permitted, and Displaying a first input screen for inputting the usage amount of the crypto asset 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. unit, and when it is determined that the specific information does not satisfy the usage permission conditions, or when it is determined that the user does not satisfy the payment conditions, a predetermined currency held by the user a display control unit for displaying on the display unit a second input screen for inputting the usage amount of the predetermined currency other than the crypto asset used for payment of the price at the store; and a transmission unit that transmits a payment request including the input amount entered by the user on the input screen, the payment request indicating the use of the crypto asset or the use of the predetermined currency ;
A program to function as causing the computer to further function as an inquiry unit for inquiring of a payment server for payment whether or not the specific information satisfies the usage permission conditions;
The display control unit displays the first input screen when the inquiry unit acquires an inquiry result indicating that the specific information satisfies the usage permission condition,
the transmission unit transmits the payment request to the payment server;
A program according to claim 1. The code information includes store identification information for identifying the store,
The computer refers to the permission list of stores that are permitted to use the crypto assets stored in the storage unit, and the specific store specified by the store identification information included in the code information is included in the permission list. By determining whether or not the specific information is included, it further functions as a determination unit that determines whether or not the specific information satisfies the usage permission condition,
The display control unit displays the first input screen when the determination unit determines that the specific information satisfies the usage permission condition.
A program according to claim 1. causing the computer to further function as an inquiry unit that inquires of a management system that manages the crypto asset account whether or not the user satisfies the payment conditions;
The display control unit displays the first input screen when the inquiry unit acquires an inquiry result indicating that the user satisfies the payment conditions.
A program according to claim 1. The transmission unit sends the payment request for causing the management system managing the crypto asset account to transfer the input amount from the user account associated with the user to the store account associated with the store. Send,
A program according to claim 1. The code information includes store identification information for identifying the store,
The display control unit displays the first 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.
A program according to claim 1. The code information acquisition unit further acquires user identification information for identifying the user,
The display control unit displays the first input screen when it is determined that the user identified by the user identification information satisfies the payment condition.
A program according to claim 1. The display control unit displays, among a plurality of types of crypto-assets, the type of crypto-assets for which it is determined that the specific information satisfies the usage permission conditions and that the user satisfies the payment conditions. let
A program according to claim 1. The display control unit displays the balance of the crypto assets held by the user on the first input screen.
A program according to any one of claims 1 to 8. The computer inquires of a management system that manages the account of cryptographic assets whether or not there is an account of cryptographic assets held by the user, and if there is an account of cryptographic assets held by the user, the user further function as an inquiry unit that acquires the balance of crypto assets held by
The display control unit displays the balance of the crypto assets acquired by the inquiry unit;
10. A program according to claim 9. When the input amount is less than the price, the transmission unit transmits the payment request further including a predetermined currency owned by the user and corresponding to the difference between the price and the input amount. ,
A program according to any one of claims 1 to 8. The display control unit displays the first 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 transmission unit transmits the payment request including 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 first input screen.
A program according to any one of claims 1 to 8. a code information acquisition unit that acquires code information by reading a code image presented by the store where the user pays;
It is determined that the specific information specified by the code information acquired by the code information acquisition unit satisfies the conditions for permitting the use of the crypto assets, which specify the conditions under which the use for payment is permitted, and Displaying a first input screen for inputting the usage amount of the crypto asset 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. unit, and when it is determined that the specific information does not satisfy the usage permission conditions, or when it is determined that the user does not satisfy the payment conditions, a predetermined currency held by the user a display control unit that causes the display unit to display a second input screen for inputting the usage amount of the predetermined currency other than the crypto asset used for payment of the price at the store;
a transmission unit for transmitting a payment request including an amount input by the user on the input screen displayed on the display unit , the payment request indicating use of the crypto asset or use of the predetermined currency ;
An information processing terminal having the computer runs
obtaining code information by reading a code image presented by the store where the user pays;
It is determined that the specific information specified by the acquired code information satisfies the conditions for permitting the use of the crypto-asset, which stipulates the conditions for permitting the use of the crypto-asset for payment, and the user uses the crypto-asset. causing the display unit to display a first input screen for inputting the usage amount of the crypto asset to be used for payment of the price at the store when it is determined that the payment conditions for paying the price are met; When it is determined that the specific information does not satisfy the usage permission conditions, or when it is determined that the user does not satisfy the payment conditions, the payment is made at the store in a predetermined currency held by the user. a step of displaying on the display unit a second input screen for inputting the usage amount of the predetermined currency other than the crypto asset used for payment;
a step of transmitting a payment request including an amount input by the user on the input screen displayed on the display unit , the payment request indicating use of the crypto asset or use of the predetermined currency ;
An information processing method comprising:

Images