JP7381798B1 - Information processing device, information processing method and program - Google Patents

Abstract

The present invention provides an information processing device, method, and program that allow users to easily use cryptographic assets. [Solution] In an information processing system, a payment server 2 includes an information acquisition unit 231 that acquires code information from a source user terminal, and an ID of a payment provider included in the acquired code information, which is a condition for permission to use crypto assets. , a determination unit 232 that determines whether or not to indicate the business operator that manages the payment server, and an input screen for settling the price at the store with crypto assets only when the determination unit determines that the usage permission conditions are met. to the crypto asset management system. , a payment unit 235 that settles the payment amount by notifying a transfer request for transferring the payment amount from the user account associated with the user to the store account associated with the store. [Selection diagram] Figure 2

Description

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

Patent Document 1 describes a system for making payments using cryptographic assets (also referred to as virtual currency).

Japanese Patent Application Publication No. 2018-77640

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

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 cryptographic assets.

An information processing device according to a first aspect of the present invention is an information processing device that performs payment using cryptographic assets for which conditions under which usage for payment is permitted are defined, and which is used by a user. When the user terminal reads a code image presented by the store where the user pays, the code image includes the ID of a payment provider that can provide payment to the store. A code information acquisition unit that acquires the acquired code information, and an ID of the payment provider included in the code information acquired by the code information acquisition unit, as a condition for permission to use the crypto asset, a determination unit that determines whether or not to indicate a managing business operator; and an input screen for settling the price at the store with the crypto asset only when the determination unit determines that the usage permission condition is satisfied. a presentation unit that transmits screen information for presentation to the user terminal; an amount acquisition unit that acquires a payment amount indicated by the input amount input by the user on the input screen; and a management system that manages the crypto asset account. a payment unit that settles the amount by notifying the user of a transfer request to transfer the payment amount from the user account associated with the user to the store account associated with the store; have

The information processing device is configured to provide, when the store uses the crypto assets of the payment amount at another store after the payment amount is transferred to the store account, a benefit corresponding to the amount used by the store. The information processing apparatus may further include a giving section that gives the money to the user.

The code information may further include store identification information for identifying the store, and the presenting unit may be configured to specify that the specific store specified by the store identification information included in the code information meets the use permission condition. If it is further determined that the conditions are satisfied, the screen information may be transmitted.

The code information acquisition unit may further acquire user identification information for identifying the user from the user terminal, and the determination unit may further determine whether the user identified by the user identification information The presentation unit may further determine whether or not the payment conditions for paying the price are satisfied, and the presentation unit may transmit the screen information when it is further determined that the user satisfies the payment conditions. It's okay.

The presentation unit may present, on the input screen, a type of the cryptographic asset for which it has been determined that the information specified by the code information satisfies the usage permission condition, among the plurality of cryptographic asset types.
The presentation unit may present the balance of crypto assets held by the user on the input screen.

The information processing device inquires of a management system that manages the cryptographic asset account whether or not there is an account for the cryptographic asset held by the user, and if there is an account for the cryptographic asset held by the user, The computer may further include an inquiry unit that acquires the balance of crypto assets held by the user, and the presentation unit may display the balance of the crypto assets acquired by the inquiry unit.

If the payment amount is less than the payment amount, the payment unit may settle the difference between the payment amount and the payment amount in a predetermined currency held by the user.

The presentation unit may transmit the screen information for presenting 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 amount acquisition unit may acquire 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, and the payment unit may acquire the input amount of the predetermined currency input by the user. The payment may be made based on the input amount of the crypto asset and the input amount of the predetermined currency.

The information processing method according to the second aspect of the present invention is executed by a computer that performs payment using cryptographic assets, in which conditions under which usage for payment is permitted are defined. The code image is obtained by the user terminal reading a code image presented by the store where the user pays the price, which includes an ID of a payment provider that can provide payment to the store. a step of determining whether the ID of the payment provider included in the obtained code information indicates a company that manages the computer, as a condition for permission to use the cryptographic asset; and a step of transmitting to the user terminal screen information for presenting an input screen for settling the price at the store with the crypto asset only when it is determined that the usage permission condition is met; a step of obtaining the payment amount indicated by the input amount input by the user on the screen; and a step of obtaining the payment amount associated with the store from the user account associated with the user with respect to the management system that manages the crypto asset account. Settlement of the payment amount by notifying a transfer request for transferring the payment amount to a store account.

A program according to a third aspect of the present invention is configured to connect a computer from a user terminal used by a user to a computer that performs payment of a payment using cryptographic assets in which conditions under which usage for payment of a payment is permitted are determined. Code information obtained by the user terminal reading a code image presented by a store where the user pays the price and including an ID of a payment provider that can provide payment to the store. a code information acquisition unit to acquire, and whether or not the ID of the payment provider included in the code information acquired by the code information acquisition unit indicates a business operator that manages the computer, as a condition for permission to use the cryptographic asset; and a determination unit that determines that the use permission condition is satisfied, and only when the determination unit determines that the use permission condition is satisfied, the user receives screen information for presenting an input screen for settling the price at the store with the crypto asset. a presentation unit that transmits the information to the terminal, an amount acquisition unit that acquires the payment amount indicated by the input amount input by the user on the input screen, and a management system that manages the crypto asset account that is associated with the user. By notifying a transfer request for transferring the payment amount from the user account currently in use to the store account associated with the store, the storage unit functions as a payment unit that settles the payment amount.

According to the present invention, there is an effect that a user can easily use cryptographic assets.

FIG. 1 is a schematic diagram of an information processing system according to the present embodiment. FIG. 2 is a block diagram of a payment server according to the present embodiment. FIG. 2 is a block diagram of a source user terminal according to the present embodiment. FIG. 2 is a schematic diagram for explaining how the information processing system manages cryptographic assets. FIG. 3 is a diagram schematically showing an example of an input screen. FIG. 2 is a sequence diagram of an exemplary information processing method executed by the information processing system according to the present embodiment.

[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 cryptographic asset management system 1, a payment server 2, a source user terminal 3, and a destination user terminal 4. The information processing system S may include other devices such as servers and terminals.

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

Crypto assets are, for example, electronic assets managed by blockchain. Further, the cryptographic asset is not limited to a blockchain, but may be an electronic asset managed by a database or the like. Crypto assets are managed in asset units, which are predetermined units (for example, circulating units) used for settlement. Hereinafter, the asset unit of crypto assets will be referred to as a coin, but other names may be used.

In this embodiment, the cryptographic asset is, for example, a regional digital currency that can be used in a predetermined region. Payments using crypto assets, which are regional digital currencies, can be executed at stores within a predetermined area, but cannot be executed at stores outside the area. Further, payments using cryptographic assets, which are regional digital currencies, may be possible only at predetermined stores (eg, registered stores) within a predetermined area.

Further, the cryptographic asset is, for example, a regional digital currency that can be used by a predetermined user. Payments using crypto assets, which are regional digital currencies, can be made at stores within a predetermined region in response to a request by a predetermined user, and at stores within or outside the region in response to a request by a user other than the predetermined user. Impracticable. For a predetermined region and a predetermined user, it is determined, for example, by the bearer who has paid the funds to have the crypto asset issued.

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

The payment server 2 (information processing device) is a computer for making payment using crypto assets. For example, in response to receiving a payment request from the source user terminal 3, the payment server 2 transfers the crypto asset corresponding to the amount to be settled from the source user to the destination user in the crypto asset management system 1. Submit a transfer request. The payment server 2 is capable of communicating with the cryptographic asset management system 1, the source user terminal 3, and the destination user terminal 4 via the 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 uses crypto assets to pay for products (goods, services, etc.) to the destination user, which is a store. Further, the source user may be a store that uses crypto assets to pay for the destination user, which is another store. The source user terminal 3 is, for example, a smartphone, a tablet terminal, or a personal computer. The source user terminal 3 includes an operation section such as a touch panel or a keyboard for accepting operations, a display section such as a liquid crystal display for displaying information, and an imaging section such as a camera for reading information. The source user terminal 3 can communicate with the payment server 2 via the network.

The destination user terminal 4 is a computer used by a destination user. The destination user is, for example, a store that receives payment using cryptographic assets from a source user who is a customer or a store. The destination user terminal 4 is, for example, a smartphone, a tablet terminal, or a personal computer. The destination user terminal 4 has an operation section such as a touch panel or a keyboard for receiving operations, and a display section 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 having the source user settle the price paid 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 in the store of the destination user in the form of a sticker or the like.

An overview of the processing executed by the information processing system S according to this embodiment will be described below. The source user terminal 3 acquires 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 (ID (identifier) of the destination user) for identifying the store that is the destination user. The source user terminal 3 transmits the acquired code information to the payment server 2 ((2) in FIG. 1). The code information may include the ID of a payment provider that can provide payment to the destination user.

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

Further, the payment server 2 transmits the screen information to the source user terminal 3 when it is determined that the specific information specified by the acquired code information satisfies the crypto asset usage permission condition as a predetermined condition. The specific information is, for example, the ID of the destination user who receives the payment or the ID of the payment provider. Usage permission conditions are conditions for permitting the use of crypto assets, which specify the conditions under which usage is permitted for payment.For example, if the area where the store is located is where crypto assets can be used. For example, whether the area is a safe area or whether the store is a store where crypto assets can be used. The usage permission condition may be whether or not the store has a crypto asset account.

The payment server 2 determines, for example, whether or not the area where the specific store identified by the ID of the destination user exists 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 it exists or not. The payment 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, and based on the result of the inquiry, the specific information indicates whether the crypto asset is being used. It may also be determined whether permission conditions are met. In this case, upon acquiring the ID of the target user from the payment server 2, the crypto asset management system 1 determines whether or not there is a crypto asset account associated with the ID of the target user, and Send the result to the payment server 2. If the payment server 2 determines that the specific information does not satisfy the conditions for permission to use the crypto asset, or if it obtains from the crypto asset management system 1 a determination result indicating that the user's crypto asset account does not exist, the payment server 2 displays the screen on the screen. Transmission of information may be prohibited.

The source user terminal 3 transmits a payment request to the payment server 2 in response 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 input amount of crypto assets entered by the source user on the input screen. including.

The payment server 2 sends a transfer request to the crypto asset management system 1 to transfer the crypto asset corresponding to the input amount indicated by the payment request received from the source user terminal 3 from the source user to the destination user (see Figure 1). (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 payment amount indicated by the transfer request received from the payment server 2 from the source user's crypto asset account to the destination user's crypto asset account ((Figure 1 (6)) For example, the crypto asset management system 1 adds data to the blockchain indicating that the holder of the crypto asset corresponding to the payment amount will be changed from the source user to the destination user.

In this way, the information processing system S presents an input screen to the source user depending on whether the crypto asset can be used as a payment for the price paid by the source user to the destination user, and allows the user to use the input screen on the presented input screen. Payment is made based on the input amount entered by the former user. As a result, the information processing system S may, for example, not know whether or not the crypto assets held by the source user can be used at the time of payment, or whether the source user can use the crypto assets for the destination user. Even if the user forgets that he/she owns crypto assets, the user can easily use the crypto assets by presenting the available crypto assets to the user on the input screen. can do.
The configurations of the payment server 2 and the source user terminal 3 will be described below.

[Configuration of payment server 2]
FIG. 2 is a block diagram of the payment server 2 according to this embodiment. In FIG. 2, arrows indicate main data flows, and data flows other than those shown in FIG. 2 may exist. In FIG. 2, each block shows the configuration of a functional unit rather than a hardware (device) unit. Therefore, the blocks shown in FIG. 2 may be implemented within a single device, or may be implemented separately within multiple devices. Data may be exchanged between blocks via any means such as a data bus, a network, or a portable storage medium.

The payment server 2 includes a communication section 21, a storage section 22, and a control section 23. The payment server 2 may be configured by two or more physically separate devices connected by wire or wirelessly. Further, the payment server 2 may be configured by a cloud that is a collection of computer resources.

The communication unit 21 includes a communication controller for transmitting and receiving data between the cryptographic 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 via the network from the cryptographic asset management system 1, source user terminal 3, or destination user terminal 4. Further, the communication unit 21 transmits the data output from the control unit 23 to the cryptographic 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 in advance a program to be executed by the control unit 23. The storage unit 22 may be provided outside the payment server 2, and in that case, data may be exchanged with the control unit 23 via a network.

The control unit 23 includes an information acquisition unit 231 , a determination unit 232 , a presentation unit 233 , an input amount acquisition unit 234 , a payment unit 235 , and a grant unit 236 . The control unit 23 is, for example, a processor such as a CPU (Central Processing Unit), and executes a program stored in the storage unit 22 to control the information acquisition unit 231, determination unit 232, presentation unit 233, and input amount acquisition unit 234. , functions as a payment unit 235 and a grant unit 236. Processes performed by the information acquisition unit 231, determination unit 232, presentation unit 233, input amount acquisition unit 234, payment unit 235, and provision 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 data flows other than those shown in FIG. 3 may exist.

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

The communication unit 32 includes a communication controller for transmitting and receiving data to and from the cryptographic asset management system 1 or the payment 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 payment server 2 via the network. Further, the communication unit 32 transmits the data output from the control unit 36 to the cryptographic asset management system 1 or the payment 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 in advance a program to be executed by the control unit 36. The storage unit 35 may be provided outside the source user terminal 3, and in that case, data may be exchanged with the control unit 36 via a network.

The control unit 36 includes 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 executes a program stored in the storage unit 35 to control a code information acquisition unit 361, an inquiry unit 362, a display control unit 363, an asset information acquisition unit 364, and an operation reception unit. It functions as a section 365 and a transmitting section 366. Processes performed by each of the code information acquisition section 361, inquiry section 362, display control section 363, asset information acquisition section 364, operation reception section 365, and transmission section 366 will be described later.

[Account description]
First, a method for the information processing system S to manage cryptographic assets will be explained. FIG. 4 is a schematic diagram for explaining how the information processing system S manages cryptographic assets.

The crypto asset management system 1 manages crypto assets held by each of a plurality of users in a crypto asset account. The crypto asset accounts of each of the plurality of users are associated with the user's ID (for example, the ID of the crypto asset account). The crypto asset management system 1 manages crypto assets by depositing and withdrawing crypto assets into and out of a crypto asset account, or transferring crypto assets between multiple crypto asset accounts.

The cryptographic asset management system 1 uses, for example, a blockchain to manage cryptographic assets using coins as asset units. For example, the crypto asset management system 1 stores a block (data) that associates a user's ID with the content of transactions in the user's crypto asset account as a blockchain 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 checking the consistency of hash values between blocks, the correctness of the entire blockchain is ensured.

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 contents of one or more transactions in the user's crypto asset account. may be stored as a database on the storage unit included in the cryptographic asset management system 1.

[Explanation of presentation process]
Next, a configuration for the information processing system S to execute a process of presenting cryptographic assets that can be used for payment to the source user will be described below. In the payment server 2, the information acquisition unit 231 functions as a code information acquisition unit and acquires code information from the source user terminal 3. The code information is information obtained 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 ID of the destination user. The code information may further include the ID of the payment provider.

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 whether or not the source user can use cryptographic assets as a payment. Then, the information acquisition unit 231 of the payment server 2 acquires code information from the source user terminal 3. The information acquisition unit 231 may further acquire the ID of the source user who uses the source user terminal 3 that transmitted the code information.

In the payment 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 conditions for permission to use the crypto asset. , presents an input screen to the source user terminal 3. Specifically, the presentation unit 233 presents an input screen when it is determined that the destination user (specific store) specified by the destination user's ID included in the code information satisfies the usage permission condition.

For example, when the specific information is the ID of the destination user, the determination unit 232 determines that the specific store identified by the ID of the destination user 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 the specific information satisfies the conditions for permission to use the cryptographic asset. For example, the storage unit 22 stores a permission list of destination users who are permitted to use the crypto asset, and the determination unit 232 stores a permission list of destination users who are permitted to use the crypto asset, and the determination unit 232 stores the permission list of the destination users who are permitted to use the crypto asset, and the determination unit 232 stores the permission list of the destination users who are permitted to use the crypto asset. It may be determined whether the specific information satisfies the usage permission conditions for the cryptographic asset by determining whether or not the specific information is included in the permission list.

The determination unit 232 further functions as an inquiry unit, and sends the ID of the destination user included in the code information to the crypto asset management system 1 to cryptographically determine whether or not there is a crypto asset account held by a specific store. You may also make inquiries to the asset management system 1. When the crypto asset management system 1 acquires the ID of the destination user from the payment server 2, the crypto asset management system 1 determines whether or not there is a crypto asset account associated with the ID of the destination user. , sends the determined determination result to the payment server 2. Then, when the determination unit 232 obtains a determination result indicating that there is a crypto asset account held by the specific store, the determination unit 232 determines that the specific information satisfies the conditions for permission to use the crypto asset, and 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 asset.

For example, if the specific information is the ID of the payment provider, the determination unit 232 determines whether the specific information is encrypted depending on whether the ID of the payment provider included in the code information indicates the payment provider that manages the payment server 2. It may also be determined whether the conditions for permission to use the asset are satisfied. The presenting unit 233 transmits screen information for presenting an input screen to the source user terminal 3 when the determining unit 232 determines that the specific information specified by the code information satisfies the conditions for permission to use the crypto asset. .

In the source user terminal 3, the inquiry unit 362 acquires screen information from the payment server 2 as an inquiry result of the inquiry to the payment server 2 as to whether the source user can use cryptographic assets as a 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 an 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 an input screen when it is determined that the source user specified by the ID of the source user satisfies the payment conditions.

For example, the determination unit 232 further functions as an inquiry unit, and first determines whether or not there is a cryptoasset account of the source user specified by the source user ID among the cryptoasset accounts managed by the cryptoasset management system 1. The crypto asset management system 1 is asked whether If there is a crypto asset account associated with the source user ID inquired by the payment server 2, the crypto asset management system 1 transmits information indicating that the source user's crypto asset account exists to the payment server 2. If the crypto asset account associated with the source user ID does not exist, information indicating that the source user's crypto asset account does not exist is transmitted to the payment server 2. If there is a crypto asset account associated with the source user ID inquired by the payment server 2, the crypto asset management system 1 may further transmit the balance of the crypto asset account to the payment server 2. The determining unit 232 determines whether the source user satisfies the payment conditions for the crypto asset by determining whether the source user has a crypto asset account based on the information obtained from the crypto asset management system 1. . Note that a list of users' crypto asset accounts is stored in advance in the storage unit 22, and the determination unit 232 refers to the list stored in the storage unit 22, and determines the usage source specified by the usage source user ID. It may also be determined whether a user's crypto asset account exists.

Then, when it is determined that the specific information specified by the code information satisfies the conditions for permission to use the crypto asset, and when it is determined that the source user satisfies the payment conditions, the presentation unit 233 displays the input screen as the source user. It is 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 asset, and also determines that the source user satisfies the payment conditions. Then, an input screen based on the screen information is displayed on the display section 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 held) and input items for inputting the usage amount of the crypto assets to be used as payment. ing. As shown in FIG. 5, the presentation unit 233 may further present the balance of crypto assets held by the source user on the input screen.

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

On the input screen, the presentation unit 233 determines that among the plurality of crypto asset types, the specific information specified by the code information satisfies the usage permission conditions, and that the source user satisfies the payment conditions. The type of crypto asset may also be presented. For example, first, for each type of crypto asset, the determination unit 232 determines whether the specific information specified by the code information satisfies the conditions for permission to use the crypto asset, and whether the source user satisfies the payment conditions. judge. Then, the presenting unit 233 presents a type of cryptographic asset for which the determining unit 232 has determined that the specific information satisfies the usage permission condition and the source user satisfies the payment condition, among the plurality of cryptographic asset types.

For example, if there is one type of crypto asset that is determined to satisfy the above conditions, the presentation unit 233 presents the source user terminal 3 with an input screen for inputting the usage amount of the crypto asset of that type. . Further, if 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 for at least one of the multiple types of crypto assets. It is presented to the source user terminal 3. In this way, even if the source user owns a plurality of crypto assets, he or she can recognize which crypto assets can be used for payment to the destination user.

Although the example in which the payment server 2 executes the determination process 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 in advance a permission list of destination users. 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. Determine whether or not the crypto asset satisfies the conditions for permission to use the crypto asset.

The inquiry unit 362 also determines whether or not there is a cryptoasset account of the source user identified by the source user ID among the cryptoasset accounts managed by the cryptoasset 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 asset, and also determines that the source user specified by the source user's ID satisfies the payment conditions. screen information is acquired from the payment server 2.

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

[Explanation of payment processing]
Next, a configuration for the information processing system S to execute processing for making payments using cryptographic assets will be described below. In the payment server 2, the input amount acquisition unit 234 acquires the payment request including the input amount input by the source user on the input screen. The payment request is used to cause 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. The request includes, for example, the ID of the source user, the ID of the destination user, and the input amount input by the source user on the input screen.

Specifically, first, in the source user terminal 3, when the operation reception unit 365 receives the input of the usage amount of the crypto asset by the source user on the input screen displayed on the display unit 33, the transmitter 366: A payment request using crypto assets is sent to the payment server 2. Then, in the payment server 2, the input amount acquisition unit 234 acquires the payment request from the source user terminal 3.

When the input amount acquisition unit 234 acquires the payment request, the payment unit 235 settles the price based on the input amount included in the payment request. Specifically, the payment unit 235 sends the crypto asset management system 1 from the crypto asset account associated with the source user (source user account) to the crypto asset account associated with the destination user (user account). The payment is made by notifying a transfer request to transfer the payment amount (input amount) to the previous user's account.

The payment unit 235 notifies the crypto asset management system 1 of a transfer request when the currency used for payment in the payment request includes at least a crypto asset. On the other hand, if the currency used for payment in the payment request does not include cryptographic assets, the payment unit 235 performs payment in a predetermined currency held by the source user.

Upon acquiring the transfer request from the payment server 2, the crypto asset management system 1 transfers the crypto assets corresponding to the payment 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. Moved to. For example, when managing crypto 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 the block shown. For example, when managing crypto assets using a database, the crypto asset management system 1 subtracts coins corresponding to the payment amount from the source user's crypto asset account in the database, and Coins corresponding to the payment amount may be added to the account.

If the input amount is less than the price, the payment unit 235 may settle the difference between the price and the input amount in a predetermined currency held 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, first, the payment unit 235 determines whether the input amount included in the payment request is less than the price. When the payment unit 235 determines that the input amount included in the payment request is not less than the price, the payment unit 235 settles the price based on the input amount. On the other hand, if the payment unit 235 determines that the input amount included in the payment request is less than the payment amount, the payment unit 235 settles the payment using the input amount and electronic currency for the difference between the payment amount and the input amount. Note that, if the balance of electronic currency held by the source user is less than the difference between the price and the input amount, the payment unit 235 may charge the insufficient amount to make the payment. By doing so, the payment 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 using the crypto asset and a predetermined currency in response to the payment request. Specifically, first, in the source user terminal 3, if the input amount is less than the payment amount, the transmission unit 366 transmits a predetermined currency that is held by the source user and corresponds to the difference between the payment amount and the input amount. Send a payment request that further includes the amount spent in the currency of Then, in the payment server 2, the payment unit 235 performs payment using the input amount of the crypto asset and the usage amount of the 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 usage amount of crypto assets and a second input item for inputting the usage amount of electronic currency. A payment request may be sent that includes the input amount of crypto assets inputted by the source user in one input item and the input amount of electronic currency inputted by the source user in the second input item.

The payment server 2 may provide benefits to the source user according to the frequency of distribution of the cryptographic assets used by the source user. The benefits are, for example, points that can be used in services provided by the bearer of the crypto asset. Specifically, after the input amount of crypto assets has been transferred to the user's crypto asset account, if the user uses the input amount of crypto assets at another user (store) , gives benefits to the source user according to the amount spent by the destination user.

For example, when the crypto asset is managed using a blockchain, the granting unit 236 first refers to the block of the crypto asset used by the target user, and determines whether the crypto asset was held immediately before the target user. Identify the source user. Then, the granting unit 236 grants the identified source user a benefit corresponding to the amount spent by the destination user. When the crypto-asset management system 1 manages the history of transfer of crypto-assets, the assigning unit 236 refers to the history of transfer of crypto-assets and assigns 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 amount spent by the destination user increases. By doing so, the payment 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 the present embodiment. This process starts when the code information acquisition unit 361 of the source user terminal 3 acquires the code information by the imaging unit 31 reading the code image (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 payment server 2 (S2).

In the payment server 2, when the code information acquisition unit 361 acquires the code information and the ID of the usage source user from the usage source user terminal 3, the determination unit 232 determines the specific ID specified by the usage destination user ID included in the code information. It is determined whether the store exists in an area where the use of cryptographic assets is permitted and whether there is a cryptographic 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 by the determination unit 232 to the source user terminal 3 (S4). When it is determined that the specific information specified by the code information satisfies the conditions for permission to use crypto assets, and when it is determined that the source user satisfies the payment conditions, the presentation unit 233 provides information on how to make a payment using crypto assets. Screen information for presenting an input screen is transmitted to the source user terminal 3. On the other hand, if it is determined that the specific information specified by the code information does not satisfy the usage permission conditions for crypto assets, or if it is determined that the source user does not satisfy the payment conditions, the presentation unit 233 provides a predetermined currency. screen information for presenting an input screen for payment is sent 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 reception unit 365 receives an input of the usage amount of at least one of the cryptographic asset and a predetermined currency on the input screen (S5). The transmitter 366 transmits a payment request including the input amount input by the source user to the payment server 2 (S6).

The payment unit 235 determines whether the currency used for payment in the payment request includes at least crypto assets (S7). If the payment unit 235 determines that the cryptographic asset is not included in the currency used for payment in the payment request (NO in S7), the payment unit 235 performs payment in a predetermined currency held by the source user (S8).

On the other hand, if the payment unit 235 determines in the payment request that the currency used for payment includes a crypto asset (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 payment 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 (S10).

<Modified example>
In the above, an example has been described in which the information processing system S controls the use of cryptographic assets based on code information, but the information processing system S is not limited to this. For example, the information processing system S may control the use of cryptographic assets based on the location of the source user terminal 3.

For example, the source user terminal 3 further includes a GPS (Global Positioning System) receiving section (not shown), and the payment server 2 stores information received by the GPS receiving section when the source user terminal 3 reads the code image. An input screen is presented to the source user terminal 3 depending on whether the location of the source user terminal 3 specified based on is included in the area where the crypto asset can be used.

For example, crypto assets can be used in any region, and when awarding points according to the use of crypto assets, the payment server 2 determines the usage source when the user terminal 3 reads the code image. Points may be awarded depending on whether the location 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 payment server 2 gives more points than when the location of the source user terminal 3 is not included in the predetermined area.

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

[Effects of this embodiment]
As explained above, the information processing system S presents an input screen to the source user depending on whether or not the crypto asset can be used as a payment for the price paid by the source user to the destination user, and in the input screen presented. Payment is made based on the input amount entered by the original user. As a result, the information processing system S may, for example, not know whether or not the crypto assets held by the source user can be used at the time of payment, or whether the source user can use the crypto assets for the destination user. Even if the user forgets that he/she owns crypto assets, the user can easily use the crypto assets by presenting the available crypto assets to the user on the input screen. can do.

Furthermore, the present invention makes it possible to contribute to Goal 9 of the Sustainable Development Goals (SDGs) led by the United Nations, "Create a foundation for 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 can be made within the scope of the gist. be. For example, all or part of the device can be functionally or physically distributed and integrated into arbitrary units. In addition, new embodiments created by arbitrary combinations of multiple embodiments are also included in the embodiments of the present invention. The effects of the new embodiment resulting from the combination have the effects of the original embodiment.

1 Crypto asset management system 2 Payment server 21 Communication unit 22 Storage unit 23 Control unit 231 Information acquisition unit 232 Judgment unit 233 Presentation unit 234 Input amount acquisition unit 235 Payment unit 236 Granting unit 3 Source user terminal 31 Imaging unit 32 Communication unit 33 Display section 34 Operation section 35 Storage section 36 Control section 361 Code information acquisition section 362 Inquiry section 363 Display control section 364 Asset information acquisition section 365 Operation reception section 366 Transmission section 4 Target user terminal S Information processing system

Claims (10)

An information processing device that performs payments using cryptographic assets for which conditions under which usage for payments is permitted are defined,
The user terminal receives, from a user terminal used by a user, a code image that is presented by a store where the user pays and includes an ID of a payment provider that can provide payment to the store. a code information acquisition unit that acquires the code information obtained by reading;
a determination unit that determines whether the ID of the payment provider included in the code information acquired by the code information acquisition unit indicates a business operator that manages the information processing device as a condition for permission to use the cryptographic asset; and,
a presentation unit that transmits screen information for presenting an input screen for settling the price at the store with the crypto asset to the user terminal only when the determination unit determines that the usage permission condition is satisfied; ,
an amount acquisition unit that acquires a payment amount indicated by the input amount input by the user on the input screen;
Notifying a management system that manages the crypto asset account of a transfer request to transfer the payment amount from a user account associated with the user to a store account associated with the store; a payment department that settles the price;
An information processing device having: After the payment amount has been transferred to the store account, if the store uses the crypto assets of the payment amount at another store, a benefit is given to the user according 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 transmits the screen information when it is further determined that the specific store specified by the store identification information included in the code information satisfies the use permission condition.
The information processing device according to claim 1. The presentation unit presents, on the input screen, a type of cryptographic asset for which it has been determined that the information specified by the code information satisfies the usage permission condition, from among a plurality of cryptographic asset types.
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 device according to any one of claims 1 to 4 . The management system that manages the crypto asset account is inquired as to whether or not there is an account for the crypto asset held by the user, and if there is an account for the crypto asset held by the user, the crypto asset account held by the user is It further has an inquiry unit that obtains the balance of assets;
The presentation unit displays the balance of the crypto asset acquired by the inquiry unit.
The information processing device according to claim 5 . When the payment amount is less than the payment amount, the payment unit settles the difference between the payment amount and the payment amount in a predetermined currency held by the user.
The information processing device according to any one of claims 1 to 4 . The presentation unit transmits the screen information for presenting 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 amount acquisition unit acquires, on the input screen, the input amount of the crypto asset input by the user and the input amount of the predetermined currency input by the user,
The payment unit settles the price based on the input amount of the crypto asset and the input amount of the predetermined currency.
The information processing device according to any one of claims 1 to 4 . Executed by a computer that uses crypto assets to determine the conditions under which its use for payment is permitted.
The user terminal receives, from a user terminal used by a user, a code image that is presented by a store where the user pays and includes an ID of a payment provider that can provide payment to the store. obtaining code information obtained by reading;
determining whether the ID of the payment provider included in the acquired code information indicates a provider that manages the computer, as a condition for permission to use the cryptographic asset;
Only when it is determined that the use permission conditions are met, transmitting screen information to the user terminal for presenting an input screen for settling the price at the store with the crypto asset;
obtaining a payment amount indicated by the input amount input by the user on the input screen;
Notifying a management system that manages the crypto asset account of a transfer request to transfer the payment amount from a user account associated with the user to a store account associated with the store; a step of settling the price;
An information processing method having A computer that performs payments using crypto assets that has defined conditions under which its use for payment is permitted.
The user terminal receives, from a user terminal used by a user, a code image that is presented by a store where the user pays and includes an ID of a payment provider that can provide payment to the store. a code information acquisition unit that acquires code information obtained by reading;
a determination unit that determines whether the ID of the payment provider included in the code information acquired by the code information acquisition unit indicates a business operator that manages the computer as a condition for permission to use the cryptographic asset;
a presentation unit that transmits screen information for presenting an input screen for settling the price at the store with the crypto asset to the user terminal only when the determination unit determines that the usage permission condition is satisfied;
an amount acquisition unit that acquires the payment amount indicated by the input amount input by the user on the input screen, and a management system that manages the crypto asset account from the user account associated with the user to the store. a payment unit that settles the payment amount by notifying a transfer request to transfer the payment amount to an associated store account;
A program to function as

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