JP7664112B2 - Program, information processing method, and system - Google Patents

Description

This disclosure relates to programs, information processing methods, systems, etc.

Cited Document 1 discloses an information processing system managed by an investment trust company that invests funds collected from investors in bonds that pay performance-linked coupons, which calculates a virtual portfolio based on the investment strategy of the investment trust company, and uses management simulation information based on the calculated virtual portfolio as basic data for determining the interest rate of the performance-linked coupon.

Patent No. 6665241

According to a first aspect of the present invention, a program executed by a system that obtains information regarding cryptocurrency owned by a user of a terminal performs control to calculate an interest rate for lending the cryptocurrency, execute control to display information regarding the interest rate on the terminal, execute control to sell a portion of a first asset amount, which is the asset amount of the cryptocurrency that the user has permitted to lend, to replenish margin for futures trading, execute control to purchase rights regarding the sale of cryptocurrency futures, execute control to exercise the rights, execute control to purchase cryptocurrency using at least a portion of the total amount of the margin and the amount obtained by exercising the rights, and execute control to associate with the user the total asset amount of a second asset amount, which is the asset amount of the cryptocurrency equivalent to the principal amount based on the first asset amount, and a third asset amount, which is the asset amount of the cryptocurrency equivalent to the interest rate.
According to a second aspect of the present invention, an information processing method of a system that obtains information regarding cryptocurrency owned by a user of a terminal includes: executing control to calculate an interest rate for lending the cryptocurrency; executing control to display information regarding the interest rate on the terminal; executing control to sell a portion of a first asset amount, which is the asset amount of the cryptocurrency that the user has permitted to lend, to replenish margin for futures trading; executing control to purchase rights for the sale of cryptocurrency futures; executing control to exercise the rights; executing control to purchase cryptocurrency using at least a portion of the total amount of the margin and the amount obtained by exercising the rights; and executing control to associate the total asset amount of a second asset amount, which is the asset amount of the cryptocurrency equivalent to the principal amount based on the first asset amount, and a third asset amount, which is the asset amount of the cryptocurrency equivalent to the interest rate, with the user.
According to a third aspect of the present invention, a system for obtaining information regarding cryptocurrency owned by a user of a terminal includes a control unit that executes the following controls: control for calculating an interest rate for lending the cryptocurrency; control for displaying information regarding the interest rate on the terminal; control for selling a portion of a first asset amount, which is the asset amount of the cryptocurrency that the user has been permitted to lend, to replenish margin for futures trading; control for purchasing rights for the sale of cryptocurrency futures; control for exercising the rights; control for purchasing cryptocurrency using at least a portion of the total amount of the margin and the amount obtained by exercising the rights; and control for associating with the user the total asset amount of a second asset amount, which is the asset amount of the cryptocurrency equivalent to the principal amount based on the first asset amount, and a third asset amount, which is the asset amount of the cryptocurrency equivalent to the interest rate.

FIG. 1 is a diagram showing an example of a system configuration of a communication system according to a first embodiment. FIG. 2 is a diagram showing an example of a hardware configuration of an exchange server according to the first embodiment. A diagram showing an example of the hardware configuration of a futures server in the first embodiment. FIG. 4 is a conceptual diagram of a process according to the first embodiment. A diagram showing an example of a user crypto asset management database related to the first embodiment. FIG. 13 is a diagram showing an example of crypto asset management data relating to the first embodiment. FIG. 13 is a diagram showing a specific example of fund transfer at the start of operation in the first embodiment. FIG. 13 is a diagram showing a specific example of fund transfer at the time of return in the first embodiment. FIG. 13 is a diagram showing a specific example of fund transfer at the time of return in the first embodiment. FIG. 13 is a diagram showing a specific example of fund transfer at the time of return in the first embodiment. 4 is a flowchart showing an example of a flow of a process executed by each device according to the first embodiment. 11 is a flowchart showing an example of the flow of a cryptocurrency deposit interest rate calculation process according to the first embodiment. 11 is a flowchart showing an example of the flow of a new crypto asset deposit process according to the first embodiment. 11 is a flowchart showing an example of the flow of crypto asset return processing according to the first embodiment. 11 is a flowchart showing an example of the flow of daily operation processing according to the first embodiment. FIG. 4 is a diagram showing an example of a screen displayed on a display unit of the terminal according to the first embodiment. FIG. 4 is a diagram showing an example of a screen displayed on a display unit of the terminal according to the first embodiment. FIG. 13 is a diagram showing an example of a screen displayed on a display unit of a terminal according to a first modified example. FIG. 11 is a diagram showing an example of a screen displayed on a display unit of a terminal according to a second embodiment. FIG. 11 is a diagram showing an example of a screen displayed on a display unit of a terminal according to a second embodiment.

<Compliance with legal matters>
It should be noted that the disclosures described herein are subject to compliance with the laws of the country of implementation, such as communications secrecy, as necessary for the implementation of the disclosure.

An embodiment for implementing the program etc. related to this disclosure will be described with reference to the drawings.

A system may be comprised of, for example and not by way of limitation, a number of devices.
The multiple devices may be a combination of devices of the same type, a combination of devices of different types, or a combination of devices of the same type and devices of different types.
Note that a system can be considered, for example and not by way of limitation, as a plurality of devices working together to perform some kind of processing.

Furthermore, a system relating to a client (client device) and a server can be considered to be, by way of example and not limitation, at least one of the following:
(1) Terminal & Server (2) Server (3) Terminal

(1) is, by way of example and not limitation, a system that includes at least one terminal and at least one server. One example of this is a client-server system.

The server is, by way of example and not limitation, composed of the following devices, which may be a single device or a combination of multiple devices:

Specifically, the server is configured to have at least one processor (for example and without limitation, a CPU: Central Processing Unit, a GPU: Graphics Processing Unit, an APU: Accelerated Processing Unit, a DSP: Digital Signal Processor (for example and without limitation, an ASIC: Application Specific Integrated Circuit, an FPGA: Field Programmable Gate Array), etc.), a computer device (processor + memory), a control device, an arithmetic device, a processing device, etc., and may be a configuration having multiple of the same type of any one device (for example and without limitation, a CPU + CPU, a homogeneous multi-core processor, etc.), or a configuration having multiple different types of any one device (for example and without limitation, a CPU + DSP, a heterogeneous multi-core processor, etc.), or may be a combination of multiple devices (for example and without limitation, a processor + computer device, a processor + arithmetic device, a heterogeneous combination of multiple devices, etc.).
The processor may be a virtual processor.

Furthermore, when a server executes some processing, if the server is configured with a single device, the processing described in the embodiment is executed by the single device. If the server is configured with multiple devices, the server may be configured to execute some processing by one device and execute other processing by the other device. As a non-limiting example, if the server is configured with a processor and an arithmetic device, the server may be configured to execute a first processing by the processor and execute a second processing by the arithmetic device.
Furthermore, when a configuration is made up of a plurality of devices, the devices may be arranged in locations physically separated from one another.

Furthermore, the server functions may be provided in the form of PaaS, IaaS, or SaaS in cloud computing, for example and without limitation.

The control unit of the system can be at least one of the control unit of the terminal and the control unit of the server. In other words, by way of example and not limitation, the control unit of the system can be any of the following: (1A) only the control unit of the terminal, (1B) only the control unit of the server, or (1C) both the control unit of the terminal and the control unit of the server.

In addition, the control and processing (hereinafter collectively referred to as "control, etc.") performed by the control unit of the system may be (1A) performed only by the control unit of the terminal, (1B) performed only by the control unit of the server, or (1C) performed by both the control unit of the terminal and the control unit of the server.
In addition, in (1C), as an example and not a limitation, some of the controls performed by the control unit of the system may be performed by the control unit of the terminal, and the remaining controls may be performed by the control unit of the server. In this case, the allocation (allocation) of the controls may be equal or may be allocated in different proportions.

Furthermore, when referring to a communication unit of a server, if the server is configured with a single device, it may be the communication unit itself that the single device has, or, if the server is configured with multiple devices, the communication unit of the server may be configured to include each communication unit that each device has.
As an example and not by way of limitation, if a server comprises a first device and a second device, the first device having a first communication unit and the second device having a second communication unit, the communication unit of the server may be conceptualized as including the first communication unit and the second communication unit.

(2) As an example and not a limitation, the system may be a system made up of multiple servers (hereinafter referred to as a "server system"). In this case, the configuration of each server may be the same as that described above.

The control etc. performed by the server system may be performed by only one of the multiple servers (2A), by only the other servers (2B), or by both the one server and the other servers (2C).
In addition, in (2C), as an example and not a limitation, one server may perform part of the control etc. performed by the server system, and another server may perform the remaining control etc. In this case, the allocation (allocation) of the control etc. may be equal or may be allocated in different proportions.

(3) By way of example and not limitation, the system may be comprised of multiple terminals.
The system may be, by way of example and not limitation, a system such as the following:
A system that provides server functions to terminals (distributed system). This can be realized, for example and without limitation, by using blockchain technology.
A system in which terminals communicate wirelessly with each other. This can be realized, for example and without limitation, by communicating in a peer-to-peer (P2P) manner using short-range wireless communication technology such as Bluetooth (registered trademark).

The above is not limited to the control unit, but also applies to each functional unit, such as the input/output unit, communication unit, memory unit, clock unit, etc., which may be components of the system.

In the following embodiment, a system including a terminal and a server (a client-server system) is illustrated as an example and not as a limitation.
Incidentally, the server system described above in (2) can also be applied as the server.

Also, instead of a system including a terminal and a server, a system not including a server, such as the above-mentioned system (3) as an example and not a limitation, may be applied.
In this case, the embodiment can be configured based on the above-mentioned blockchain technology. Specifically, by way of example and not limitation, data stored and managed in a server described in the following embodiment is stored on the blockchain. Then, the terminal generates a transaction to the blockchain, and when the transaction is approved on the blockchain, the data stored on the blockchain can be updated.

It should be noted that even when the term "terminal" is used, this is not limited to the meaning of a terminal as a client device in a client server.
That is, a terminal may include the concept of a device other than in a client-server context.

In addition, the expression "through a communication I/F" is used appropriately in this specification. This is not intended to be limiting, but may be taken as an example to indicate that a device transmits and receives various information and data through a communication I/F (through a communication unit) based on the control of a control unit (such as a processor).

In addition, in the following, it will be explained that various processes related to the embodiment are executed by an application (a crypto asset application, for example and not for limitation) installed on the terminal.

In addition, as an example and not as a limitation, a function of a chat service (as an example and not as a limitation, a messaging service) can be provided as one of the functions of a cryptocurrency application, or a function of a cryptocurrency application service can be provided as one of the functions of a chat application (as an example and not as a limitation, a messaging application).

The messaging service is configured to allow users to chat using chat rooms.
In the following description, a UI (User Interface) or GUI (Graphical User Interface) that allows each user to view content transmitted and received between terminals of multiple users is referred to as a "talk room" as appropriate. A talk room may also be referred to as a chat room.

In addition to messages containing simple text and emoticons, the content can include various types of information that can be sent and received between terminals, such as, but not limited to, image information (including still images, moving images, etc.), operation information (including buttons, icons, etc.), communication information and link information (including URIs, URLs, etc.).

Note that, by way of example and not limitation, talk rooms can include one-to-one user talk rooms as well as talk rooms for groups that include multiple users (group talk rooms). In this case, a talk room refers to a UI or GUI that allows users in a group to view content sent and received between each terminal of a group that includes multiple users.

The messaging service may or may not include an instant messaging service (IMS), which allows terminals to send and receive content such as simple messages.

There is also a view that considers messaging services (MS) (including IMS) as one form of social networking services (SNS).
Therefore, a distinction may or may not be made between a messaging service (MS) and a social networking service (SNS).

In the following, an input to a terminal will be mainly an operational input by a user of the terminal (as an example and not a limitation, an input by touch (touch operation)), but the input is not limited to this.
Instead of or in addition to the operation input, sound input (including voice input) may or may not be input to the terminal.

In the following explanation, a "cryptocurrency exchange" is, without limitation, an example of a business that provides a specified cryptocurrency held by the cryptocurrency exchange to a terminal user in response to a request from the terminal user (by way of example and not limitation, transferring cryptocurrency). Providing a specified cryptocurrency includes, without limitation, providing cryptocurrency with a value corresponding to the purchase amount of cryptocurrency by the terminal user (by way of example and not limitation, the amount of legal tender used (investment amount) including electronic currency, or the amount of points used). The operator of a cryptocurrency exchange (hereinafter referred to as a "cryptocurrency seller") may, or may not, be a business registered with the relevant finance bureau as a cryptocurrency exchange business.

By way of example and not limitation, a cryptocurrency seller sets the exchange rate (conversion rate) between fiat currency and the cryptocurrency. The exchange rate is a value that fluctuates depending on the demand for the cryptocurrency.

By way of example and not limitation, a cryptocurrency merchant provides cryptocurrency application services to a terminal.

In addition, in the following explanation, a "cryptocurrency exchange" is, without limitation, an example of a business that mediates the buying and selling of cryptocurrencies in response to requests from customers (by way of example and without limitation, cryptocurrency dealers). A cryptocurrency exchange operator (hereinafter referred to as a "cryptocurrency trader") may or may not be a business registered with the relevant financial bureau as a cryptocurrency exchange business.

By way of example and not limitation, at a cryptocurrency exchange, the exchange rate (trading price) is determined based on supply and demand between customers.

Note that a cryptocurrency sales center may or may not be called a cryptocurrency exchange. A cryptocurrency exchange may or may not be called a cryptocurrency exchange.

In the following description, a "futures trading broker" is an example of a business entity that mediates financial futures trading on a futures exchange in response to a request from a customer (for example, but not limited to, a cryptocurrency dealer). Financial futures trading includes, for example, but not limited to, cryptocurrency futures trading and foreign exchange futures trading.
It should be noted that a futures trading broker may or may not be a "futures broker."

In the following description, "legal tender" includes, by way of example and not limitation, legal tender such as yen, US dollar, yuan, euro, won, etc. Without being limited thereto, legal tender may or may not include electronic currency. Without being limited thereto, legal tender may or may not include cryptocurrency (virtual currency).

In the following description, "crypto assets" includes, by way of example and not limitation, crypto assets (cryptocurrencies/virtual currencies) managed by blockchain, such as Bitcoin (registered trademark), Bitcoin Cash, Ethereum (registered trademark), Tether (registered trademark), Litecoin (registered trademark), Link (registered trademark), Monacoin (registered trademark), etc. In addition, crypto assets may or may not be assets that users can acquire (exchange or purchase) from crypto asset dealers.
In this specification, crypto assets other than currencies that are treated as legal tender in the country to which the present embodiment is applied are referred to as crypto assets. Also, a blockchain for managing crypto assets is referred to as a crypto asset blockchain.

In addition, in the following description, "transferring" money from "device A" to "device B" includes, by way of example and not limitation, the movement of a predetermined amount of legal tender or crypto assets from a user's account on device A to a user's account on device B. Note that when the object of the transfer is crypto assets, the transfer includes the transaction (transfer) of crypto assets from a crypto asset wallet address belonging to device A to a crypto asset wallet address belonging to device B.

First Example
In the first embodiment, by way of example and not limitation, a user lends (lends) crypto assets held by the crypto asset seller based on the yield (interest rate, deposit interest) offered by the crypto asset seller. The crypto asset seller manages the crypto assets deposited by the user and returns the crypto assets to the user with interest.

When crypto assets deposited by a user are returned, they are returned to the user as crypto assets whose value is the first legal tender equivalent at the time of deposit, plus interest.

In the first embodiment, as an example and not as a limitation, Bitcoin (BTC) (registered trademark) is used as an example of a cryptocurrency. Also, as an example and not as a limitation, the US dollar (USD) is used as an example of a first legal currency. Also, as an example and not as a limitation, Bitcoin futures is used as an example of cryptocurrency futures trading.

As an example and not a limitation, Bitcoin futures will be futures transactions denominated in US dollars based on an index value (reference base rate) calculated once a day. In addition, Bitcoin futures can be settled by "cash receipt" or "cash delivery" as a settlement method, so offsetting transactions are not necessarily required.

The contents described in the first embodiment are applicable to any of the other embodiments and other modified examples.
Furthermore, the same components as those already mentioned are given the same reference numerals and will not be described again.

<System Configuration>
FIG. 1 is a diagram showing an example of a system configuration of a communication system 1 according to the present embodiment.
In the communication system 1, as an example and not a limitation, a server 10, a plurality of terminals 20 (terminal 20A, terminal 20B, terminal 20C, ...), an exchange server 40, and a futures server 50 are connected via a network 30.

The server 10 has a function of providing a crypto asset sales and purchase service via the network 30. The server 10 can also be expressed as a crypto asset exchange server, a crypto asset exchange server, a crypto asset sales service server, etc. In this embodiment, as an example and not a limitation, the user of the server 10 is a crypto asset dealer.
There is no limit to the number of servers 10 connected to the network 30. As a non-limiting example, one or more servers 10 may be connected.

The exchange server 40 has a function for providing a crypto asset trading service using a crypto asset blockchain via the network 30. The exchange server 40 can also be expressed as a crypto asset exchange server, a crypto asset exchange server, a crypto asset trading server, etc. In this embodiment, as an example and not a limitation, the user of the exchange server 40 is a crypto asset trader.
There is no limit to the number of exchange servers 40 connected to the network 30. As a non-limiting example, one or more exchange servers 40 may be connected.

The futures server 50 has a function for providing a service of intermediating financial futures transactions in cooperation with a futures exchange server (not shown) via the network 30. The futures server 50 can also be expressed as a futures trading broker server, a futures broker server, a futures trading service server, etc. In this embodiment, as an example and not a limitation, a user of the futures server 50 is a futures trading broker.
There is no limit to the number of futures servers 50 connected to the network 30. As a non-limiting example, one or more futures servers 50 may be connected.

The terminal 20 (terminal 20A, terminal 20B, terminal 20C, ...) may be any information processing terminal capable of implementing the functions described in each embodiment. The terminal 20 includes, but is not limited to, a smartphone, a mobile phone (feature phone), a computer (such as, but not limited to, a desktop, laptop, tablet, etc.), a media computer platform (such as, but not limited to, a cable or satellite set-top box, a digital video recorder), a handheld computer device (such as, but not limited to, a PDA (personal digital assistant), an email client, etc.), a wearable terminal (such as a glasses-type device, a watch-type device, etc.), a VR (Virtual Reality) terminal, a smart speaker (a device for voice recognition), or other types of computers or communication platforms. The terminal 20 may also be expressed as an information processing terminal.
The number of terminals 20 connected to the network 30 is not limited.

The configurations of the terminals 20A, 20B, and 20C can be the same as one another, for example and not for limitation. In addition, if necessary, the terminal used by the user X may be expressed as the terminal 20X, and the user information in a predetermined service associated with the user X or the terminal 20X may or may not be expressed as the user information X.
The user information is information of a user associated with an account (blockchain wallet address) used by the user in a specific service. The user information includes, but is not limited to, information associated with a user, such as the user's name, user's icon image, user's age, user's sex, user's address, user's hobbies and interests, and user's identifier, which is input by the user or given by a specific service, and may be any one of these, or a combination of these, or may not be the same.

The network 30 serves to connect one or more terminals 20, one or more servers 10, one or more exchange servers 40, and one or more futures servers 50. In other words, the network 30 refers to a communication network that provides a connection path so that the above-mentioned various devices can connect and then send and receive data.

One or more portions of network 30 may or may not be wired or wireless. Network 30 may include, by way of example and not limitation, an ad hoc network, an intranet, an extranet, a virtual private network (VPN), a local area network (LAN), a wireless LAN (WLAN), a wide area network (WAN), a wireless WAN (WWAN), a metropolitan area network (MAN), a portion of the Internet, a portion of the Public Switched Telephone Network (PSTN), a cellular network, integrated service digital networks (ISDN), wireless LAN, long term evolution (LTE), code division multiple access (CDMA), Bluetooth, satellite communications, or the like, or a combination of two or more thereof. Network 30 may include one or more networks 30.

The server 10 (not limited to, but an example of a server, information processing device, or information management device) has a function of providing a predetermined service (in this embodiment, services related to crypto asset management and crypto asset operation) to the terminal 20 and/or the exchange server 40 and/or the futures server 50. The server 10 may be any device that is an information processing device that can realize the functions described in each embodiment. The server 10 includes, not limited to, but is a server device, a computer (not limited to, but is a desktop, laptop, tablet, etc.), a media computer platform (not limited to, but is a cable, satellite set-top box, digital video recorder, etc.), a handheld computer device (not limited to, but is a PDA, email client, etc.), or other types of computers or communication platforms. The server 10 may also be expressed as an information processing device. If there is no need to distinguish between the server 10 and the exchange server 40 and/or the futures server 50, the server 10 and the exchange server 40 and/or the futures server 50 may or may not be expressed as an information processing device.

In addition, if there is no need to distinguish between the server 10 and the terminal 20, the server 10 and the terminal 20 may or may not be referred to as information processing devices.

The exchange server 40 (not limited to, but an example of a server, information processing device, or information management device) has a function of providing a predetermined service (in this embodiment, a service related to cryptocurrency trading) to the server 10. The exchange server 40 may be any device that is an information processing device that can realize the functions described in each embodiment. The exchange server 40 includes, not limited to, but is a server device, a computer (not limited to, but an example of, a desktop, laptop, tablet, etc.), a media computer platform (not limited to, but an example of, a cable, satellite set-top box, digital video recorder, etc.), a handheld computer device (not limited to, but an example of, a PDA, email client, etc.), or other types of computers or communication platforms. The exchange server 40 may also be expressed as an information processing device. If there is no need to distinguish between the exchange server 40 and the server 10, the exchange server 40 and the server 10 may or may not be expressed as information processing devices.

The futures server 50 (not limited to, but an example of a server, information processing device, or information management device) has a function of providing a predetermined service (in this embodiment, a service related to financial futures trading) to the server 10. The futures server 50 may be any device that is an information processing device that can realize the functions described in each embodiment. The futures server 50 includes, not limited to, a server device, a computer (not limited to, but an example of, a desktop, laptop, tablet, etc.), a media computer platform (not limited to, but an example of, a cable, satellite set-top box, digital video recorder, etc.), a handheld computer device (not limited to, but an example of, a PDA, email client, etc.), or other types of computers or communication platforms. The futures server 50 may also be expressed as an information processing device. If there is no need to distinguish between the futures server 50 and the server 10, the futures server 50 and the server 10 may or may not be expressed as information processing devices.

[Hardware (HW) configuration of each device]
The HW configuration of each device included in the communication system 1 will be described.

(1) Terminal HW Configuration FIG. 1 shows an example of the HW configuration of the terminal 20.
The terminal 20 includes a control unit 21 (CPU: central processing unit), a storage unit 28, a communication I/F 22 (interface), an input/output unit 23, a clock unit 29A, and a position calculation information detection unit 29B. The HW components of the terminal 20 are connected to each other via a bus B, for example and not for limitation. It is not essential that the HW configuration of the terminal 20 includes all of the components. For example and not for limitation, the terminal 20 may or may not be configured such that individual components or multiple components are removable.

The communication I/F 22 transmits and receives various data via the network 30. The communication may be performed either wired or wirelessly, and any communication protocol may be used as long as mutual communication can be performed. The communication I/F 22 has a function of performing communication with various devices such as the server 10 via the network 30. The communication I/F 22 transmits various data to various devices such as the server 10 according to instructions from the control unit 21. The communication I/F 22 also receives various data transmitted from various devices such as the server 10 and transmits it to the control unit 21. The communication I/F 22 may also be simply referred to as a communication unit. When the communication I/F 22 is configured with a physically structured circuit, it may also be referred to as a communication circuit.

The input/output unit 23 includes a device for inputting various operations to the terminal 20, a device for outputting the results of processing performed by the terminal 20, etc. The input/output unit 23 may be an integrated input unit and an output unit, or may be separate input unit and output unit, or it may not be the case.

The input unit is realized by any one or combination of any type of device that can accept input from a user and transmit information related to the input to the control unit 21. Examples of the input unit include, but are not limited to, a touch panel, a touch display, hardware keys such as a keyboard, a pointing device such as a mouse, a camera (operation input via moving images), and a microphone (operation input by voice).

The output unit is realized by any one or a combination of any type of device capable of outputting the results of processing by the control unit 21. Examples of the output unit include, but are not limited to, a touch panel, a touch display, a speaker (audio output), a lens (for example, but not limited to, 3D (three dimensions) output or hologram output), a printer, etc.

By way of example only, the input/output unit 23 includes, by way of example and not limitation, a display unit 24, a sound input unit 25, a sound output unit 26, and an imaging unit 27.

The display unit 24 is realized by any one of all types of devices or a combination thereof that can display according to the display data written to the frame buffer. Examples of the display unit 24 include, but are not limited to, touch panels, touch displays, monitors (for example, but not limited to, liquid crystal displays and organic electroluminescence displays (OELDs)), head mounted displays (HDMs), projection mapping, holograms, devices that can display images, text information, etc. in air (which may or may not be a vacuum). Note that these display units 24 may or may not be capable of displaying display data in 3D.

The sound input unit 25 is used to input sound data (including voice data; the same applies below). The sound input unit 25 includes a microphone and the like.
The sound output unit 26 is used to output sound data and includes a speaker and the like.
The imaging unit 27 is used to obtain image data (including still image data and moving image data; the same applies below). The imaging unit 27 includes a camera and the like.

If the input/output unit 23 is a touch panel, the input/output unit 23 and the display unit 24 may be arranged facing each other and have approximately the same size and shape.

The clock unit 29A is a built-in clock of the terminal 20, and outputs time information (timekeeping information). The clock unit 29A is configured to include, for example and not limitation, a clock that uses a quartz oscillator. The clock unit 29A can also be expressed as a timekeeping unit or a time information detection unit, for example and not limitation.

The clock unit 29A may or may not have a clock that conforms to the NITZ (Network Identity and Time Zone) standard or the like.

The position calculation information detection unit 29B is a functional unit that detects (measures) information (hereinafter referred to as "position calculation information") necessary for the control unit 21 to calculate (measure) the position of its own terminal 20. The position calculation information detection unit 29B can also be expressed as a position calculation sensor unit, for example and not by way of limitation.

The position calculation information detection unit 29B includes, by way of example and not limitation, a satellite positioning sensor (satellite positioning unit) which is a sensor or unit for calculating the position of the terminal 20 using a satellite positioning system such as GPS (Global Positioning System), an inertial measurement sensor (inertial measurement unit (IMU (Inertial Measurement Unit))) which is a sensor or unit for calculating the position of the terminal 20 using an inertial navigation system, a UWB positioning sensor (UWB positioning unit) which is a sensor or unit for calculating the position of the terminal 20 using UWB (Ultra Wide Band), etc.

The satellite positioning unit includes, by way of example and not limitation, an RF receiving circuit that converts RF (Radio Frequency) signals, including positioning satellite signals transmitted from positioning satellites and received by an antenna (not shown), into digital signals, and a baseband processing circuit that performs correlation calculation processing or the like on the digital signals output from the RF receiving circuit to capture the positioning satellite signals, and outputs information such as satellite orbit data and time data extracted from the positioning satellite signals as information for position calculation.

The inertial measurement unit has an inertial sensor that detects information required to calculate the position of the terminal 20 by inertial navigation calculation. Examples of inertial sensors include, but are not limited to, a three-axis acceleration sensor and a three-axis gyro sensor, and output the acceleration detected by the acceleration sensor and the angular velocity detected by the gyro sensor as information for position calculation.

The UWB positioning unit includes, by way of example and not limitation, an ultra-wideband RF (Radio Frequency) receiving circuit that converts an ultra-wideband RF signal, including an ultra-wideband pulse signal for positioning transmitted from a positioning beacon and received by an antenna not shown, into a digital signal, and a relative position calculation processing circuit that calculates the relative position between the terminal 20 and the positioning beacon based on the digital signal output from the ultra-wideband RF receiving circuit.
As an example and not by way of limitation, the UWB positioning unit may or may not cause the terminal 20 to function as a positioning beacon by transmitting an ultra-wideband RF signal including an ultra-wideband pulse signal for positioning from an antenna not shown.

By way of example and not limitation, the control unit 21 calculates the position of its own terminal 20 at regular or specific timings based on the position calculation information detected by the position calculation information detection unit 29B. The terminal position is referred to as the "terminal position", and the calculated terminal position is referred to as the "calculated terminal position". The control unit 21 may, but may not, associate the calculated terminal position with the date and time when the calculated terminal position is calculated and store it in the storage unit 28 as calculated terminal position history data.

The control unit 21 has circuitry that is physically structured to execute functions realized by the code or instructions contained in the program, and is realized by, for example and not by way of limitation, a data processing device built into hardware. As such, the control unit 21 may or may not be described as a control circuit.

The control unit 21 may include, by way of example and not limitation, a central processing unit (CPU), a microprocessor, a processor core, a multiprocessor, an application-specific integrated circuit (ASIC), and a field programmable gate array (FPGA).

The storage unit 28 has a function of storing various programs and various data required for the operation of the terminal 20. The storage unit 28 includes, by way of example and not limitation, various storage media such as a hard disk drive (HDD), a solid state drive (SSD), a flash memory, a random access memory (RAM), and a read only memory (ROM). In addition, the storage unit 28 may or may not be expressed as a memory.

The terminal 20 stores the program P in the memory unit 28, and by executing this program P, the control unit 21 executes the processing of each unit included in the control unit 21. In other words, the program P stored in the memory unit 28 causes the terminal 20 to realize each function executed by the control unit 21. Furthermore, this program P may or may not be expressed as a program module.

(2) HW Configuration of Server FIG. 1 shows an example of the HW configuration of the server 10. As shown in FIG.
The server 10 includes, by way of example and not limitation, a control unit 11 (CPU), a storage unit 15, a communication I/F 14 (interface), an input/output unit 12, and a clock unit 19. The components of the HW of the server 10 are connected to each other via a bus B, by way of example and not limitation. It is not essential that the HW of the server 10 includes all components as the configuration of the HW of the server 10. By way of example and not limitation, the HW of the server 10 may or may not be configured such that individual components or multiple components are removable.

The control unit 11 has circuitry that is physically structured to execute functions realized by the code or instructions contained in the program, and is realized, for example and not by way of limitation, by a data processing device built into hardware.

The control unit 11 is typically a central processing unit (CPU), but may also be a microprocessor, a processor core, a multiprocessor, an ASIC, or an FPGA, or may not be such a unit. In this disclosure, the control unit 11 is not limited to these.

The storage unit 15 has a function of storing various programs and various data required for the operation of the server 10. The storage unit 15 is realized by various storage media such as a HDD, SSD, and flash memory. However, in this disclosure, the storage unit 15 is not limited to these. Furthermore, the storage unit 15 may or may not be expressed as a memory.

The communication I/F 14 transmits and receives various data via the network 30. The communication may be performed either wired or wirelessly, and any communication protocol may be used as long as the communication between the two devices is possible. The communication I/F 14 has a function of communicating with various devices such as the terminal 20 via the network 30. The communication I/F 14 transmits various data to various devices such as the terminal 20 according to instructions from the control unit 11. The communication I/F 14 also receives various data transmitted from various devices such as the terminal 20 and transmits it to the control unit 11. The communication I/F 14 may also be simply referred to as a communication unit. When the communication I/F 14 is composed of a physically structured circuit, it may also be referred to as a communication circuit.

The input/output unit 12 includes a device for inputting various operations to the server 10, a device for outputting the results of processing performed by the server 10, and the like. The input/output unit 12 may be an integrated input unit and an output unit, or may be separate input unit and output unit, or it may not be the case.

The input unit is realized by any one or combination of all types of devices that can accept input from a user and transmit information related to the input to the control unit 11. The input unit is typically realized by hardware keys such as a keyboard, or a pointing device such as a mouse. Note that the input unit may or may not include a touch panel, a camera (operation input via video images), or a microphone (operation input by voice), but is not limited to these.

The output unit is realized by any one or a combination of any type of device capable of outputting the results of processing by the control unit 11. Examples of the output unit include, but are not limited to, a touch panel, a touch display, a speaker (sound output), a lens (for example, but not limited to, 3D (three dimensions) output or hologram output), a printer, etc.

By way of example only, the input/output unit 12 is equipped with a display unit 13, by way of example and not by way of limitation.

The display unit 13 is realized by a display or the like. The display is typically realized by a monitor (for example, but not limited to, a liquid crystal display or an organic electroluminescence display (OELD)). The display may or may not be a head mounted display (HDM) or the like. These displays may or may not be capable of displaying display data in 3D. In the present disclosure, displays are not limited to these.

The clock unit 19 is a built-in clock of the server 10, and outputs time information (timekeeping information). The clock unit 19 is configured to include, for example and not limitation, an RTC (Real Time Clock) as a hardware clock, a system clock, etc. The clock unit 19 can also be expressed as a timekeeping unit or a time information detection unit, for example and not limitation.

(3) HW Configuration of Exchange Server FIG. 2 shows an example of the HW configuration of exchange server 40.
The exchange server 40 includes, by way of example and not limitation, a control unit 41 (CPU), a memory unit 45, a communication I/F 44 (interface), an input/output unit 42, and a clock unit 49. By way of example and not limitation, the components of the HW of the exchange server 40 are connected to each other via a bus B. Note that it is not essential that the HW of the exchange server 40 includes all components as the configuration of the HW of the exchange server 40. By way of example and not limitation, the HW of the exchange server 40 may or may not be configured such that individual components or multiple components are removable.

Note that detailed explanations of the individual components of the HW of the exchange server 40 are omitted since they can be configured in the same way as the server 10, but are not intended to be limiting.

(4) HW Configuration of Futures Server FIG. 3 shows an example of the HW configuration of the futures server 50. As shown in FIG.
The futures server 50 includes, by way of example and not limitation, a control unit 51 (CPU), a memory unit 55, a communication I/F 54 (interface), an input/output unit 52, and a clock unit 59. The components of the HW of the futures server 50 are connected to each other via a bus B, by way of example and not limitation. It is not essential that the HW of the futures server 50 includes all components as the configuration of the HW of the futures server 50. By way of example and not limitation, the HW of the futures server 50 may or may not be configured to remove individual components or multiple components.

Note that detailed explanations of the individual hardware components of the futures server 50 are omitted because they can be configured in the same way as the server 10, but are not intended to be limiting.

(5) Others The server 10 stores the program P in the storage unit 15, and by executing this program P, the control unit 11 executes the processes of each unit included in the control unit 11. In other words, the program P stored in the storage unit 15 causes the server 10 to realize each function executed by the control unit 11. This program P may or may not be expressed as a program module.
The same applies to other devices.

In each embodiment of the present disclosure, the description will be given assuming that the CPU of the terminal 20 and/or the server 10 executes the program P to realize the present invention.
The same applies to other devices.

The control unit 21 of the terminal 20 and/or the control unit 11 of the server 10 may or may not realize each process by a CPU having a control circuit, but may also realize each process by a logic circuit (hardware) formed in an integrated circuit (IC (Integrated Circuit) chip, LSI (Large Scale Integration)) or a dedicated circuit. These circuits may or may not be realized by one or more integrated circuits, and the multiple processes shown in each embodiment may or may not be realized by one integrated circuit. Furthermore, LSIs may be called VLSIs, super LSIs, ultra LSIs, etc. depending on the degree of integration. Therefore, the control unit 21 may or may not be expressed as a control circuit.
The same applies to other devices.

In addition, the program P (which may be, for example and not by way of limitation, a software program, computer program, or program module) of each embodiment of the present disclosure may or may not be provided in a state stored in a computer-readable storage medium. The storage medium is capable of storing the program P in a "non-transitory tangible medium." The program P may or may not be for realizing part of the functions of each embodiment of the present disclosure. Furthermore, the program P may or may not be a so-called difference file (difference program) that can realize the functions of each embodiment of the present disclosure in combination with a program P already recorded in a storage medium.

The storage medium may include one or more semiconductor-based or other integrated circuits (ICs) (such as, by way of example and not limitation, a field programmable gate array (FPGA) or an application specific IC (ASIC)), a hard disk drive (HDD), a hybrid hard drive (HHD), an optical disk, an optical disk drive (ODD), a magneto-optical disk, a magneto-optical drive, a floppy diskette, a floppy disk drive (FDD), a magnetic tape, a solid-state drive (SSD), a RAM drive, a secure digital card, or a drive, any other suitable storage medium, or a suitable combination of two or more thereof. The storage medium may be volatile, non-volatile, or a combination of volatile and non-volatile, as appropriate. It should be noted that the storage medium is not limited to these examples and may be any device or medium capable of storing the program P. Also, the storage medium may or may not be referred to as a memory.

The server 10 and/or the terminal 20 can realize the functions of the multiple functional units shown in each embodiment by reading out a program P stored in a storage medium and executing the read out program P.
The same applies to other devices.

Furthermore, the program P of the present disclosure may or may not be provided to the server 10 and/or the terminal 20 via any transmission medium capable of transmitting a program (such as a communication network or broadcast waves). The server 10 and/or the terminal 20 executes the program P downloaded via the Internet or the like, by way of example and not of limitation, to realize the functions of the multiple functional units shown in each embodiment.
The same applies to other devices.

In addition, each embodiment of the present disclosure may be realized in the form of a data signal in which the program P is embodied by electronic transmission.
At least a part of the processing in the server 10 and/or the terminal 20 may or may not be realized by cloud computing consisting of one or more computers.

At least a part or all of the processing in the terminal 20 may or may not be performed by the server 10 and/or the exchange server 40 and/or the futures server 50. In this case, at least a part or all of the processing of each functional unit of the control unit 21 of the terminal 20 may or may not be performed by the server 10 and/or the exchange server 40 and/or the futures server 50.

At least a part or all of the processing in the server 10 may or may not be performed by the terminal 20 and/or the exchange server 40 and/or the futures server 50. In this case, at least a part or all of the processing of each functional unit of the control unit 11 of the server 10 may or may not be performed by the terminal 20 and/or the exchange server 40 and/or the futures server 50.

Furthermore, at least a portion or all of the processing in the exchange server 40 may or may not be performed by the server 10 and/or the futures server 50.

Furthermore, at least a portion or all of the processing in the futures server 50 may or may not be performed by the server 10 and/or the exchange server 40.

Unless explicitly stated, the judgment configuration in the embodiments of the present disclosure is not essential, and a specified process may or may not be executed when the judgment condition is satisfied, or when the judgment condition is not satisfied.

The programs disclosed herein are implemented using, by way of example and not limitation, scripting languages such as ActionScript and JavaScript (registered trademark), compiler languages such as Objective-C and Java (registered trademark), and markup languages such as HTML Living Standard.

The programs of each embodiment of the present disclosure may be implemented as Dapps (Decentralized Applications) programs.

[Functional configuration of each device]
FIG. 4 is a diagram showing an example of functions realized by each device in this embodiment.

The control unit 11 of the server 10 includes, by way of example and not limitation, a crypto asset management processing unit 111 as a functional unit.

The crypto asset management processing unit 111 performs operations (reference, addition, etc.) of transactions that are stored in the crypto asset blockchain in a crypto asset application management process executed in accordance with a crypto asset application management processing program stored in the memory unit 15. The crypto asset management processing unit 111 also manages the deposited crypto assets in accordance with the flowchart described below.

By way of example and not limitation, the memory unit 15 of the server 10 stores a crypto asset application management processing program, a user crypto asset management database 151, and crypto asset operation management data 152.

The user crypto asset management database 151 is a management database for linking wallet addresses (crypto asset wallet addresses) in the crypto asset blockchain with user information (accounts) in the crypto asset application, and an example of its data structure is shown in Figure 5.

User crypto asset management data is stored in the user crypto asset management database 151 as management data for each account.

By way of example and not limitation, each user's crypto asset management data stores in association with the crypto asset application ID, user name, crypto asset wallet address, unused balance, and other registration information.

The crypto asset application ID is information used to identify a crypto asset application account, or the crypto asset application account itself.
This crypto asset application ID is preferably a unique value for each crypto asset application account, and as a non-limiting example, a unique value (proper value) is set and stored by the server 10 for each account.
The crypto asset application ID is information associated with the terminal 20 or the user of the terminal 20, and is an example of information about the terminal or information about the user of the terminal.

The user name is the name of the user of the terminal 20 that uses the crypto asset application, and as a non-limiting example, the name of the user of the terminal 20 when they performed identity verification (KYC) is stored.

The crypto asset wallet address is information (owner information) that is linked to the owner of the crypto asset wallet. By way of example and not limitation, the crypto asset wallet address is generated by the crypto asset management processing unit 111 when identity verification (KYC) is performed on the user of the terminal 20.

The unused balance is the balance of crypto assets held by this account, and by way of example and not limitation, the unused balance (UTXO: Unspent Transaction Output) in the crypto asset wallet address is stored.

Other registration information may include, by way of example and not limitation, various types of information such as identification information for identifying the terminal 20, the telephone number (terminal telephone number) of the terminal 20, an email address (terminal email address), authentication information such as a password (login password, authentication password, etc.) used for various authentications in the cryptocurrency application, and identity verification information (address, date of birth, facial photo data, etc.) sent from the terminal 20 during identity verification (KYC). In addition, the private key of the cryptocurrency wallet of this user may also be included as other registration information.

The identification information for identifying the terminal 20 may be, for example and not for limitation, a terminal ID (for example and not for limitation, an International Mobile Equipment Identity (IMEI)).
Furthermore, the identification information for identifying the user of the terminal 20 can be, by way of example and not limitation, a crypto asset application ID. Note that instead of the crypto asset application ID, a "crypto asset user ID" or simply a "user ID" may or may not be used.

In addition, if the application allows only one account to be registered per terminal 20, then, as a non-limiting example, "identification information for identifying terminal 20 = identification information for identifying user of terminal 20 = crypto asset application ID" can be used.

Also, by way of example and not limitation, it may or may not be possible to assign multiple terminal IDs to one user ID.

Also, instead of various IDs such as crypto asset application IDs, it is possible to apply a method of managing accounts using information such as terminal telephone numbers.
In this case, instead of storing ID information such as the crypto asset application ID in the user crypto asset management database 151, information such as the terminal telephone number can be stored in the user crypto asset management database 151.

The user's cryptocurrency management data may or may not include a first legal tender fund balance for managing the fund balance required for the user to purchase cryptocurrency from a cryptocurrency seller.

The crypto asset management data 152 is management data for managing the crypto assets deposited by the user, and an example of the data structure is shown in Figure 6.

By way of example and not limitation, the crypto asset management data 152 stores the deposited spot balance, surplus fund balance, crypto asset deposit interest rate, redemption date, deposited crypto asset management data, and futures position management data in association with each other.

The deposited spot balance stores the balance of crypto assets (deposited crypto assets) that have been loaned from one or more users and are stored in the form of spot crypto assets without being converted (sold) into the first legal tender.
The deposited spot balance may be referred to as the unused balance of the cryptocurrency wallet address held by the cryptocurrency exchange for cryptocurrency management (the balance of the cryptocurrency wallet for cryptocurrency management).

The surplus funds balance stores the balance that is stored as the first legal tender after converting a predetermined amount of the crypto assets lent by the user into the first legal tender.

The cryptocurrency deposit interest rate is the percentage of interest offered by the cryptocurrency seller when borrowing from the user, and will be credited upon repayment. The method for offering the cryptocurrency deposit interest rate will be described later.

The return date is the date on which the cryptocurrency lent by the user will be returned.

The deposited cryptocurrency management data is data for managing cryptocurrency (deposited cryptocurrency) loaned from a user, and by way of example and not limitation, the cryptocurrency application ID and the deposited amount in dollar terms are stored in association with each other.

The cryptocurrency application ID is identification information used to identify the account that lent the cryptocurrency.

The dollar-converted deposit amount is the price of the cryptocurrency converted into the first legal tender currency at the exchange rate at the cryptocurrency exchange when the cryptocurrency seller accepts the loan of the cryptocurrency from the user. The dollar-converted deposit amount may also be referred to as the first legal tender deposit amount.

As a non-limiting example, when the exchange rate for receiving crypto assets lent from users is 1 BTC = 30,000 USD, if user A.A lends 15 BTC to a crypto asset exchange, the dollar equivalent of the deposit will be 30,000 x 15 = 450,000 USD.

Futures position management data is data for managing futures selling hedge transactions used in managing crypto assets, and by way of example and not limitation, the deposited margin amount, required margin amount, and futures position data are stored in association with each other.

The deposited margin amount is the amount that has been deposited (deposited) with a futures trading broker as margin (security deposit) when conducting financial futures trading. Margin is used to maintain futures positions (open positions, unsettled orders) and for new orders.

The required margin is the amount of margin required for futures trading, which is added according to the futures position held. If the ratio of the unrealized margin (the sum of the deposited margin and unrealized profit/loss) to the required margin falls below a certain level, you will be required to deposit additional margin (margin call).

Futures position data is data related to held futures positions, and by way of example and not limitation, the transaction type, maturity date, price, and quantity acquired are stored in association with each other.

The transaction type is flag information used to distinguish between "selling" and "buying" in futures trading.

The maturity date is the future date (the last day of the transaction deadline) on which the transaction will be bought or sold at the price agreed upon at the time of the contract. The maturity date may or may not be called the exercise authority date, the final settlement price determination date, or the special liquidation date. Note that the contract month may or may not be stored instead of the maturity date.

The price is the future purchase and sale price agreed upon at the time of the contract.

The quantity acquired is the quantity of the trading unit in which the futures transaction was concluded.

The futures position management data may or may not be linked to information identifying the cryptocurrency trader and managed in the memory unit 55 of the futures server 50.

Returning to FIG. 4, the control unit 21 of the terminal 20 includes, as a functional unit and by way of example and not limitation, a crypto asset application processing unit 211 for executing crypto asset application processing in accordance with a crypto asset application processing program stored in the memory unit 28.

By way of example and not limitation, the memory unit 28 of the terminal 20 stores a crypto asset application processing program and a crypto asset application ID.

The control unit 41 of the exchange server 40 includes, as a functional unit, a crypto asset transaction processing unit 411 for mediating the buying and selling of crypto assets between customers (crypto asset sellers, for example and not limitation) and executing crypto asset transactions in accordance with a crypto asset transaction processing program stored in the memory unit 45.

The control unit 51 of the futures server 50 includes, as a functional unit, a futures trading order processing unit 511 that accepts orders and settlements for futures trading from customers (for example, but not limited to, cryptocurrency sellers) in accordance with a futures trading processing program stored in the memory unit 55.

In addition, if cryptocurrency trading is possible at the cryptocurrency exchange, the server 10 and the exchange server 40 may or may not be configured as an integrated server.

In addition, the server 10 and the terminal 20 may or may not lend and return crypto assets via a transaction intermediary server (not shown).

In addition, each server in this embodiment may be replaced by a crypto asset management system that includes, as a non-limiting example, a crypto asset management processing unit 111, a crypto asset transaction processing unit 411, and a futures transaction order processing unit 511 as functional units, or it may not be replaced by such a system.

[Processing Overview]
In this embodiment, when starting to manage crypto assets, the crypto asset seller first calculates the crypto asset deposit interest rate and presents it to the user of the crypto asset application (presentation of crypto asset deposit interest rate). The user then refers to the presented crypto asset deposit interest rate and instructs the crypto asset seller to lend a specified amount of crypto assets held by the user (crypto asset lending instruction). Then, at the crypto asset seller, the specified amount of crypto assets held in the user's account is transferred to a crypto asset wallet for crypto asset management belonging to the crypto asset seller (crypto asset deposit).

Next, the cryptocurrency exchange operator sells a portion of the specified amount of deposited cryptocurrency at the cryptocurrency exchange (cryptocurrency partial sale process). When the cryptocurrency exchange operator receives the proceeds from the cryptocurrency trader (acquisition of cryptocurrency sale proceeds), it transfers the proceeds to the futures trading broker as margin for futures trading. The cryptocurrency exchange operator then sends an instruction to the futures trading broker to open a futures selling position for an amount equal to the amount of the specified amount of deposited cryptocurrency remaining after the partial sale (cryptocurrency futures selling hedge instruction).

The left side of Figure 7 shows a specific example of fund transfer at the start of cryptocurrency management.
In this example, the exchange rate at the time of depositing crypto assets is 1 BTC = 30,000 USD, the deposit period is 1 month, and the crypto asset deposit interest rate is 2% per annum.

For the sake of simplicity, we will assume that at the time of depositing crypto assets, the crypto asset futures market is in a contango state (a state in which the futures price is higher than the spot price, by way of example and not limitation). We will also assume that the exchange rate at the crypto asset sales office is equal to the exchange rate at the crypto asset exchange.

In futures trading, the price difference between the spot price and the futures price generally converges as the maturity date approaches. For simplicity's sake, in this example, we will assume that the futures position established when depositing crypto assets will reach maturity when the crypto assets are returned, and that the futures price will be equal to the spot price. We will also assume that fees incurred in various transactions are "0".

First, the terminal user agrees to the deposit conditions, including the deposit period and cryptocurrency deposit interest rate, and lends 15 BTC (equivalent to 450,000 USD) of Bitcoin held by the user to the cryptocurrency seller. That is, in this example, the dollar-denominated deposit amount is 450,000 USD.

The cryptocurrency dealer sells a portion of the deposited 15 BTC, for example and not by way of limitation, 5 BTC, on the cryptocurrency exchange, obtaining 5 BTC x 30,000 USD/BTC = 150,000 USD. Here, the proportion of the deposited cryptocurrency to be sold is referred to as the "dollar conversion rate." The dollar conversion rate is a value determined based on the required margin presented by the futures trading broker, and in this example, the dollar conversion rate is 1/3. The dollar conversion rate can take any value between 0 and 1.

The cryptocurrency dealer transfers 150,000 USD obtained by selling cryptocurrency at a cryptocurrency exchange to a futures trading broker as margin for Bitcoin futures. The dealer then places an order with the futures trading broker for a futures sell position equal to 15-5 = 10 BTC held as spot of the deposited 15 BTC. Because the cryptocurrency futures market is in a contango state, the Bitcoin futures price is higher than the Bitcoin spot price of 30,000 USD. For example, the Bitcoin futures price expiring in one month is 30,100 USD. The margin required for a futures transaction of 1 BTC is 10,000 USD.

The cryptocurrency dealer enters into an agreement to sell 10 BTC to a futures trading broker for USD 301,000 (futures selling position). The margin required to hold this futures selling position is 10,000 x 10 = USD 100,000. The cryptocurrency dealer is able to hold this position because it has previously deposited USD 150,000 with the futures trading broker as Bitcoin futures margin.

The right side of Figure 7 shows a list of assets held by the cryptocurrency exchange after the transfer of funds at the start of operations.
Of the 15 BTC loaned by the terminal user at the cryptocurrency exchange, 10 BTC is held in spot. In addition, since a futures short position equivalent to 10 BTC is held, the full amount of the 10 BTC held in spot is hedged by selling.

Returning to Figure 4, when returning crypto assets, the crypto asset exchange operator sends an instruction to the futures trading broker to liquidate (settle) the futures selling position (crypto asset futures selling hedge liquidation instruction). The futures trading broker then transfers the total amount of the profit or loss gained from the futures selling and the margin for futures trading (hereinafter referred to as the "futures selling hedge liquidation amount") to the crypto asset exchange (obtaining futures selling hedge liquidation payment).

In addition, when settling a futures short position, the futures trading broker may or may not trade the futures short position against the bitcoin spot held by the cryptocurrency seller.

Next, the cryptocurrency exchange operator calculates the dollar-converted repayment amount by applying the cryptocurrency deposit interest rate and the deposit period to the dollar-converted deposit amount. The cryptocurrency exchange operator then calculates the current value of the cryptocurrency held in physical form according to the post-change exchange rate, and purchases the shortfall in cryptocurrency against the dollar-converted repayment amount via the cryptocurrency exchange using the futures selling hedge settlement amount (cryptocurrency purchase instruction).

When the cryptocurrency seller acquires the missing cryptocurrency from the cryptocurrency seller (acquiring missing cryptocurrency for return), the cryptocurrency seller returns the cryptocurrency equivalent to the dollar amount of the return to the user (return of cryptocurrency). The cryptocurrency seller then notifies the user that the cryptocurrency has been returned (notification of return of cryptocurrency).

The left side of Figure 8 shows a specific example of fund transfer when returning crypto assets when the exchange rate of the crypto assets has not changed since the start of operation.
The dollar amount to be returned is 450,000 + 750 = 450,750 USD, including 2% interest per month (450,000 x 0.02 ÷ 12 = 750 USD). In this example, the exchange rate at the time of cryptocurrency return is 1 BTC = 30,000 USD.

The cryptocurrency dealer holds a futures short position equivalent to 10 BTC when the Bitcoin futures price is 30,100 USD. Therefore, when the futures short position is settled (liquidated) at the Bitcoin futures price of 30,000 USD at the time of the return of the cryptocurrency, the profit and loss on the futures sale is determined to be (30,100 - 30,000) x 10 = 1,000 USD. As the margin required to hold the futures short position is completely eliminated, the deposited margin amount becomes 150,000 + 1000 = 151,000 USD. The cryptocurrency dealer withdraws the deposited margin amount of 151,000 USD from the futures trading broker and adds it to the surplus funds balance.

Meanwhile, the cryptocurrency retailer is holding 10 BTC in physical assets. Because the exchange rate is 1 BTC = 30,000 USD, the cryptocurrency retailer is holding in physical assets equivalent to 30,000 x 10 = 300,000 USD. Therefore, when returning the cryptocurrency, there is a shortage of cryptocurrency equivalent to 450,750 - 300,000 = 150,750 USD, which is the difference between the dollar-converted return amount of 450,750 USD and the market capitalization of the cryptocurrency held of 300,000 USD. Therefore, the cryptocurrency dealer purchases the equivalent of 150,750 USD in cryptocurrency (150,750 ÷ 30,000) = 5.025 BTC) via a cryptocurrency exchange using 150,750 USD of the surplus fund balance of 151,000 USD.

When 5.025 BTC is purchased at a cryptocurrency exchange, the cryptocurrency seller will return 10 + 5.025 = 15.025 BTC to the user.

The right side of Figure 8 shows a list of assets held by the cryptocurrency exchange after the transfer of funds at the time of return.
After the cryptocurrency is returned, the remaining surplus fund balance after withdrawal from the futures margin will be 151,000 - 150,750 = 250 USD. This surplus fund balance will be the investment profit at the cryptocurrency exchange.

The left side of Figure 9 shows a specific example of fund transfer when returning crypto assets in a case where the exchange rate of the crypto assets has increased since the start of operation.
In this example, the exchange rate at the time of cryptocurrency return is 1 BTC = 40,000 USD. The dollar amount to be returned is 450,750 USD.

When the short futures position is settled (liquidated) at the Bitcoin futures price of USD 40,000 at the time of the return of the crypto assets, the profit and loss on the futures sale is determined to be (30,100 - 40,000) x 10 = USD -99,000. As all margin required to hold the short futures position is eliminated, the deposited margin amount becomes 150,000 - 99,000 = USD 51,000. The crypto asset dealer withdraws the deposited margin amount of USD 51,000 from the futures trading broker and adds it to the surplus funds balance.

On the other hand, since the exchange rate is 1 BTC = 40,000 USD, the cryptocurrency dealer's physical holdings of the cryptocurrency are equivalent to 40,000 x 10 = 400,000 USD. Therefore, when returning the cryptocurrency, there is a shortage of cryptocurrency equivalent to 450,750 - 400,000 = 50,750 USD, which is the difference between the dollar-converted return amount of 450,750 USD and the market capitalization of the cryptocurrency held of 400,000 USD. Therefore, the cryptocurrency dealer purchases the equivalent of 50,750 USD, 50,750 ÷ 40,000 = 1.26875 BTC, via a cryptocurrency exchange, using 50,750 USD of their surplus fund balance of 51,000 USD.

When 1.26875 BTC is purchased at a cryptocurrency exchange, the cryptocurrency seller will return 10 + 1.26875 = 11.26875 BTC to the user.

The right side of Figure 9 shows a list of assets held by the cryptocurrency exchange after the transfer of funds at the time of return.
After the cryptocurrency is returned, the remaining surplus fund balance after withdrawal from the futures margin will be 51,000 - 50,750 = 250 USD. This surplus fund balance will be the investment profit at the cryptocurrency exchange.

The left side of Figure 10 shows a specific example of fund transfer at the time of cryptocurrency return in a case where the cryptocurrency exchange rate has fallen since the start of operation.
In this example, the exchange rate at the time of cryptocurrency return is 1 BTC = 25,000 USD. The dollar amount to be returned is 450,750 USD.

When the short futures position is settled (liquidated) at the Bitcoin futures price of USD 25,000 at the time of the return of the crypto assets, the profit and loss on the futures sale is determined to be (30,100 - 25,000) x 10 = USD 51,000. As all margin required to hold the short futures position is eliminated, the deposited margin amount becomes 150,000 + 51,000 = USD 201,000. The crypto asset dealer withdraws the deposited margin amount of USD 201,000 from the futures trading broker and adds it to the surplus funds balance.

On the other hand, because the exchange rate is 1 BTC = 25,000 USD, the cryptocurrency retailer holds in physical possession is equivalent to 25,000 x 10 = 250,000 USD. Therefore, when returning the cryptocurrency, there is a shortage of cryptocurrency equivalent to 450,750 - 250,000 = 200,750 USD, which is the difference between the dollar-converted return amount of 450,750 USD and the market capitalization of the cryptocurrency held of 250,000 USD. Therefore, the cryptocurrency dealer purchases the equivalent of 200,750 USD in cryptocurrency (200,750 ÷ 25,000) = 8.03 BTC via a cryptocurrency exchange using 200,750 USD of the surplus fund balance of 201,000 USD.

When 8.03 BTC is purchased at a cryptocurrency exchange, the cryptocurrency seller will return 10 + 8.03 = 18.03 BTC to the user.

The right side of Figure 10 shows a list of assets held by the cryptocurrency exchange after the transfer of funds at the time of return.
After the cryptocurrency is returned, the remaining surplus funds from the futures margin will be 201,000 - 200,750 = 250 USD. This surplus funds will be the investment profits from the cryptocurrency exchange.

As these examples show, by offering appropriate cryptocurrency deposit interest rates, terminal users and cryptocurrency retailers can earn stable investment gains regardless of cryptocurrency price fluctuations.

<Processing>
FIG. 11 is a flowchart showing an example of the flow of processes executed by each device in this embodiment.
This figure shows, from the left, an example of processing performed by the control unit of a crypto asset management system consisting of a server 10, an exchange server 40, and a futures server 50, and an example of processing performed by the control unit 21 of terminal 20A (terminal 20 of user A.A.).

Note that this process is merely an example of a process for implementing the method of the present disclosure, and is not limited to this process. Another step may be added to this process, some of the steps of this process may be replaced, or some steps may be omitted (deleted) from this process.
This also applies to each of the flowcharts (processes) described below.

First, the cryptocurrency management processing unit 111 of the server 10 determines whether it is the day for accepting a new cryptocurrency deposit (the day when a user is accepted to lend out cryptocurrency) (S110).

If it is the day for accepting new cryptocurrency deposits (S110: YES), the cryptocurrency management processing unit 111 of the server 10 executes the cryptocurrency deposit interest rate calculation process (S120).

Figure 12 is a flowchart showing an example of the steps for calculating the cryptocurrency deposit interest rate.

First, the crypto asset management processing unit 111 of the server 10 executes a market information acquisition process (S210).

In the market information acquisition process, as an example and not a limitation, the crypto asset management processing unit 111 of the server 10 sends market information request information requesting market information necessary for the management of crypto assets to the exchange server 40 and the futures server 50 via the communication I/F 14.
Market information may include, by way of example and not limitation, cryptocurrency spot prices (spot prices), cryptocurrency futures prices, USD interest rates, cryptocurrency futures margin requirements, various transaction fees, etc.

Here, the USD interest rate refers to the forward rate of the first legal currency (in this example, the US dollar). The USD interest rate may also be called the first legal currency interest rate. The USD interest rate is the interest rate of interest rate futures transactions (short-term interest rate futures transactions) expressed as "interest rate futures price = 1 - interest rate (annual rate)". Therefore, if the future price of the US dollar is predicted to rise, the USD interest rate will increase in the negative direction.

When market information request information is received from the server 10 via the communication I/F 44, the cryptocurrency transaction processing unit 411 of the exchange server 40 transmits market information including, by way of example and not limitation, cryptocurrency spot prices and transaction fees to the server 10 via the communication I/F 44.

When market information request information is received from the server 10 via the communication I/F 54, the futures trading order processing unit 511 of the futures server 50 transmits market information including, by way of example and not limitation, cryptocurrency futures prices, USD interest rates, cryptocurrency futures required margin amounts, transaction fees, etc., to the server 10 via the communication I/F 54.

Then, the crypto asset management processing unit 111 of the server 10 receives market information from the exchange server 40 and the futures server 50 via the communication I/F 14.

In addition, in the market information acquisition process, the crypto asset management processing unit 111 of the server 10 may or may not receive market information from a market information server (not shown) that provides information on the financial market.

Next, the crypto asset management processing unit 111 of the server 10 executes the crypto asset implied interest rate calculation process (S220). Here, the crypto asset implied interest rate is the current future crypto asset interest rate forecast value (theoretically calculated value) corresponding to the crypto asset futures price.
In addition, the cryptocurrency implied interest rate may or may not be called the cryptocurrency implied forward rate.

By way of example and not limitation, the cryptocurrency implied interest rate can be calculated based on the cryptocurrency futures price, the cryptocurrency spot price, and the USD interest rate using the following formula (1):

Here, the remaining days is the difference between the maturity date of the cryptocurrency futures and the current date. Also, the cryptocurrency implied interest rate is a theoretical interest rate that corresponds to the interest rate in interest rate futures trading. Therefore, if the cryptocurrency implied interest rate rises, future cryptocurrency futures prices will fall, and if the cryptocurrency implied interest rate falls, future cryptocurrency futures prices will rise. If the cryptocurrency futures market is in a contango state, the cryptocurrency implied interest rate will be negative.

Once the crypto asset implied interest rate is calculated, the crypto asset management processing unit 111 of the server 10 executes a dollar conversion rate setting process (S230).
In the dollar conversion rate setting process, the crypto asset management processing unit 111 of the server 10 sets the dollar conversion rate based on the crypto asset spot price contained in the market information and the required margin amount for futures trading per unit (1 lot).

More specifically, as an example and not a limitation, if we assume that "X" BTC ("X" is any natural number) of crypto assets are deposited for management, the dollar conversion rate is set so that an amount that meets the allowance for the margin requirement for futures trading of "X - dollar conversion rate x X" BTC (as an example and not a limitation, a leverage of 2x or less) can be obtained when selling the crypto assets of "dollar conversion rate x X" BTC.

Once the dollar conversion rate is set, the cryptocurrency management processing unit 111 of the server 10 executes the expected return rate calculation process (S240). Here, the expected return rate is the theoretical investment return rate that assumes that no market fluctuations occur between the time when the cryptocurrency deposit interest rate is presented to the user and the time when the user completes the cryptocurrency deposit.

The expected rate of return can be calculated, by way of example and not limitation, based on the USD interest rate, the cryptocurrency implied interest rate, and the dollar conversion rate, using the following formula (2):

Here, the deposit balance is, by way of example and not limitation, the deposit amount (expected deposit amount) of the cryptocurrency expected to be deposited by the user, converted into the first legal tender currency (in this example, converted into USD) based on the conversion rate at the time of deposit.

Once the expected rate of return is calculated, the cryptocurrency management processing unit 111 of the server 10 executes a process for calculating the expected rate of return after risk deduction (S250). Here, the expected rate of return after risk deduction is an investment return rate that takes into account market fluctuations and is introduced to prevent the actual investment return from becoming negative due to large fluctuations in the cryptocurrency implied interest rate between the time when the cryptocurrency deposit interest rate is presented to the user and the time when the user completes the cryptocurrency deposit.

To calculate the expected rate of return after deducting risk, we introduce historical volatility (HV), a technical indicator calculated based on the past fluctuation rate of the USD interest rate and the crypto asset implied interest rate. HV is a fluctuation rate calculated based on past market fluctuations, assuming that the interest rate difference between the USD interest rate and the crypto asset implied interest rate fluctuates according to a normal distribution, by way of example and not limitation. If the past fluctuation rate of the interest rate difference between the USD interest rate and the crypto asset implied interest rate is small, the HV will be small, and the larger the past fluctuation rate, the larger the HV will be. HV may be said to be a historical volatility rate.

The expected rate of return after risk deduction can be calculated, by way of example and not by way of limitation, based on the USD interest rate, the crypto asset implied interest rate, the HV, and the dollar conversion rate, using the following formula (3):

The adjustment coefficient here is a parameter that is adjusted depending on the period between when the cryptocurrency deposit interest rate is presented to the user and when the cryptocurrency is deposited, the risk tolerance of the operation, etc.

Next, the crypto asset management processing unit 111 of the server 10 executes a transaction cost rate calculation process to calculate various transaction costs during operation (S260). The transaction cost rate is, by way of example and not limitation, the sum of each transaction cost rate that can be calculated using the following formulas (4) and (5).

Here, the unit cryptocurrency spot trading cost is, by way of example and not limitation, the commission rate charged in cryptocurrency trading (buying and selling cryptocurrency) per unit amount (by way of example and not limitation, 1 BTC) offered by a cryptocurrency trading company. Also, the unit cryptocurrency futures trading cost is, by way of example and not limitation, the commission rate charged in cryptocurrency futures trading per unit amount (by way of example and not limitation, 1 BTC) offered by a futures trading broker.

Then, the crypto asset management processing unit 111 of the server 10 executes a process for calculating the customer offered deposit interest rate (S270). The customer offered deposit interest rate is the interest rate presented to the user as the crypto asset deposit interest rate.

The customer offered deposit interest rate can be calculated, by way of example and not limitation, using the following formula:

"Customer offered deposit interest rate" = "Expected return after risk deduction" - "Transaction cost rate" - "Cryptocurrency seller return rate"

The cryptocurrency seller's rate of return here is the commission (management fee) rate that the cryptocurrency seller conducting the management receives from the management. The cryptocurrency seller's rate of return is, by way of example and not by way of limitation, set at an arbitrary rate by the cryptocurrency seller.

Then, the crypto asset management processing unit 111 of the server 10 stores the calculated customer offered deposit interest rate in the crypto asset deposit interest rate of the crypto asset management data 152. Also, by way of example and not limitation, the crypto asset management processing unit 111 of the server 10 stores in the crypto asset management data 152 the return date based on the maturity date of the crypto asset futures used to calculate the crypto asset implied interest rate.

In addition, in the crypto asset deposit interest rate calculation process, the crypto asset management processing unit 111 of the server 10 may receive the customer offered deposit interest rate calculated by a market information server not shown, and may or may not store it in the crypto asset deposit interest rate of the crypto asset management data 152.

Returning to FIG. 11, once the cryptocurrency deposit interest rate has been calculated, the cryptocurrency management processing unit 111 of the server 10 transmits cryptocurrency deposit interest rate information, including the cryptocurrency deposit interest rate, to the terminal 20A via the communication I/F 14 (S130). Note that the cryptocurrency deposit interest rate information may or may not include the cryptocurrency deposit period and deposit time.

When cryptocurrency deposit interest rate information is received from the server 10 via the communication I/F 22 (A110: YES), the control unit 21 of the terminal 20A causes the received cryptocurrency deposit interest rate information to be displayed on the display unit 24 (A120). Then, by way of example and not limitation, the control unit 21 of the terminal 20A transmits cryptocurrency deposit request information including the cryptocurrency deposit amount, which is the amount of cryptocurrency that the user lends to the cryptocurrency seller, to the server 10 via the communication I/F 22 based on an input (user operation) to the input/output unit 23 of the terminal 20A (A130).

If cryptocurrency deposit interest rate information is not received from the server 10 (A110: NO), the control unit 21 of the terminal 20A skips steps A120 and A130.

When crypto asset deposit request information is received from terminal 20A via communication I/F 14, the crypto asset management processing unit 111 of server 10 executes new crypto asset deposit processing (S140).

Figure 13 is a flowchart showing an example of the procedure for processing a new cryptocurrency deposit.

First, the crypto asset management processing unit 111 of the server 10 executes a market information acquisition process (S310). The market information acquisition process can be executed in the same manner as step S210 in FIG. 12, for example and not for limitation.

Next, the crypto asset management processing unit 111 of the server 10 executes the newly deposited crypto asset acquisition process (S320).

In the new deposit crypto asset acquisition process, the crypto asset management processing unit 111 of the server 10, by way of example and not limitation, issues a transaction to the crypto asset blockchain to deposit (transfer) a specified amount of crypto asset specified by the user from the crypto asset wallet address of the user lending the crypto asset to a crypto asset wallet address held by the crypto asset exchange for crypto asset management.
When a block containing the issued transaction is imported into the cryptocurrency blockchain (the transaction is approved), the cryptocurrency exchange reads a new block on the cryptocurrency blockchain and obtains the transaction contained in the new block.

Then, the crypto asset management processing unit 111 of the server 10 associates the crypto asset application ID of the user who deposited the crypto asset with the dollar-converted deposit amount calculated based on the exchange rate of the deposited crypto asset at the time of deposit, and stores this in the deposited crypto asset management data of the crypto asset management data 152.

In addition, the crypto asset management processing unit 111 of the server 10 may, but need not, store the crypto asset wallet address of the user who deposited the crypto asset in the deposited crypto asset management data instead of the crypto asset application ID of the user who deposited the crypto asset.

Next, the crypto asset management processing unit 111 of the server 10 determines whether the crypto asset futures market is in a contango state based on the acquired market information (S330).

If the situation is a contango state (S330: YES), the crypto asset management processing unit 111 of the server 10 determines whether the date of the new crypto asset deposit processing is a business day of the futures exchange mediated by the futures trading broker (S340).

If it is a business day of the futures exchange (S340: YES), the crypto asset management processing unit 111 of the server 10 executes a partial sale process of the newly deposited crypto asset (S350).

In the process of selling a portion of the newly deposited crypto asset, the crypto asset management processing unit 111 of the server 10 sends, by way of example and not limitation, crypto asset sales transaction information for selling an amount equal to the deposited crypto asset balance (deposited spot balance) multiplied by the dollar conversion rate to the exchange server 40 via the communication I/F 14. The crypto asset trading processing unit 411 of the exchange server 40 then trades the crypto asset based on the received crypto asset sales transaction information and transfers the sales proceeds to the account of the crypto asset exchange.
Upon receiving the sale proceeds, the crypto asset management processing unit 111 of the server 10 adds the sale proceeds to the surplus funds balance of the crypto asset management data 152. The crypto asset management processing unit 111 of the server 10 also deducts the amount of the sale from the deposited spot balance.

Next, the crypto asset management processing unit 111 of the server 10 executes the futures margin replenishment process (S360).

In the futures margin replenishment process, the crypto asset management processing unit 111 of the server 10, by way of example and not limitation, transfers the crypto asset sales amount obtained in step S350 to the futures server 50 and deducts the crypto asset sales amount from the surplus funds balance. Then, when the futures trading order processing unit 511 of the futures server 50 accepts the transferred amount as the deposited margin, it transmits futures margin deposit information including the deposited margin amount to the server 10 via the communication I/F 54. When the futures margin deposit information is received from the futures server 50 via the communication I/F 14, the crypto asset management processing unit 111 of the server 10 updates the futures position management data of the crypto asset management data 152 based on the received futures margin deposit information.

Then, the crypto asset management processing unit 111 of the server 10 executes new futures selling hedge transaction processing (S370).

In the new futures selling hedge transaction processing, the crypto asset management processing unit 111 of the server 10 sends, by way of example and not limitation, futures trading order information for futures selling of an amount of crypto asset equal to the deposited spot balance in the crypto asset management data 152 to the futures server 50 via the communication I/F 14. Then, the futures trading order processing unit 511 of the futures server 50 concludes a futures transaction based on the received futures trading order information, and transmits futures trading information including the concluded futures position to the server 10 via the communication I/F 54. Upon receiving the futures trading information from the futures server 50 via the communication I/F 14, the crypto asset management processing unit 111 of the server 10 updates the futures position management data of the crypto asset management data 152 based on the received futures trading information.

If the situation is not a contango state (S330: NO), the crypto asset management processing unit 111 of the server 10 executes a process to sell all of the newly deposited crypto assets (S380).

In the process of selling the entire amount of newly deposited crypto assets, the crypto asset management processing unit 111 of the server 10, by way of example and not limitation, sends crypto asset sales transaction information for selling the entire amount of the deposited crypto asset balance to the exchange server 40 via the communication I/F 14. The crypto asset trading processing unit 411 of the exchange server 40 then trades the crypto asset based on the received crypto asset sales transaction information and transfers the sales proceeds to the account of the crypto asset sales office.
Upon receiving the sale proceeds, the crypto asset management processing unit 111 of the server 10 adds the sale proceeds to the surplus funds balance of the crypto asset management data 152. The crypto asset management processing unit 111 of the server 10 also deducts the amount of the sale from the deposited spot balance.

If it is not a business day of the futures exchange (S340: NO), the crypto asset management processing unit 111 of the server 10 executes a process to sell all of the newly deposited crypto assets (S380).

Returning to FIG. 11, if it is not the day for accepting new cryptocurrency deposits (S110: NO), the cryptocurrency management processing unit 111 of the server 10 skips steps S120 to S140.

Note that the cryptocurrency deposit interest rate calculation process and the new cryptocurrency deposit process are not limited to being executed on the same day. As a non-limiting example, the cryptocurrency deposit interest rate calculation process may be executed the day before or two days before the new cryptocurrency deposit process. In this case, the time lag between the transmission of the cryptocurrency deposit interest rate information and the new cryptocurrency deposit process increases, and the impact of HV on the risk-deducted expected return calculation process becomes more pronounced.

Next, the crypto asset management processing unit 111 of the server 10 determines whether it is the day to return the crypto asset to the user (S150).

If it is the date for returning the crypto asset (S150: YES), the crypto asset management processing unit 111 of the server 10 executes the crypto asset return process (S160).

Figure 14 is a flowchart showing an example of the cryptocurrency return process.

First, the crypto asset management processing unit 111 of the server 10 executes a market information acquisition process (S410). The market information acquisition process can be executed in the same manner as step S210 in FIG. 12, for example and not for limitation.

Then, the crypto asset management processing unit 111 of the server 10 executes the futures position liquidation process (S420).

In the futures position liquidation process, the crypto asset management processing unit 111 of the server 10 transmits, by way of example and not limitation, futures transaction settlement information for settling the futures position stored in the futures position management data of the crypto asset management data 152 to the futures server 50 via the communication I/F 14. The futures transaction order processing unit 511 of the futures server 50 then settles the futures transaction position based on the received futures transaction settlement information. The futures transaction order processing unit 511 of the futures server 50 then transmits futures transaction result information including the settled futures position and the deposited margin amount after settlement to the server 10 via the communication I/F 54. Upon receiving the futures transaction result information from the futures server 50 via the communication I/F 14, the crypto asset management processing unit 111 of the server 10 updates the futures position management data of the crypto asset management data 152 based on the received futures transaction result information.
Thereafter, the crypto asset management processing unit 111 of the server 10 withdraws the deposited margin amount after the futures position settlement from the futures server 50 and adds it to the surplus funds balance.

Next, the crypto asset management processing unit 111 of the server 10 executes the crypto asset purchase process for return (S430).

In the crypto asset purchase process for return, the crypto asset management processing unit 111 of the server 10 calculates the amount of crypto asset to be returned to the user (hereinafter referred to as the "crypto asset return balance") based on, by way of example and not limitation, the dollar-equivalent return amount, the deposited physical balance, and the crypto asset spot trading price (exchange rate) at the time of the return of the crypto asset.

The Crypto Asset Refund Balance is calculated by the following formula, by way of example and not limitation:
"Cryptocurrency return balance" = "Spot balance at time of return" + "Spot balance for interest"
However, the spot balance at the time of return is the amount of crypto assets equivalent to the dollar-denominated deposit amount calculated at the exchange rate at the time of return of the crypto assets. Also, the spot balance for interest is the amount of crypto assets equivalent to the dollar-denominated interest amount, calculated at the exchange rate at the time of return of the crypto assets, which is calculated as "dollar-denominated return amount - dollar-denominated deposit amount".

The crypto asset management processing unit 111 of the server 10 then transmits crypto asset purchase transaction information for purchasing and trading the shortage crypto asset, which is the difference between the crypto asset return balance and the deposited spot balance, to the exchange server 40 via the communication I/F 14. The crypto asset transaction processing unit 411 of the exchange server 40 then trades the crypto asset based on the received crypto asset purchase transaction information and debits the purchase price from the crypto asset exchange's account (surplus funds balance). The crypto asset transaction processing unit 411 of the exchange server 40 then issues a transaction to transfer the traded crypto asset to a crypto asset wallet address held by the crypto asset exchange for crypto asset management.
When a block containing the issued transaction is imported into the cryptocurrency blockchain (the transaction is approved), the cryptocurrency exchange reads a new block on the cryptocurrency blockchain and obtains the transaction contained in the new block.
Then, the crypto asset management processing unit 111 of the server 10 updates the deposited cash balance and the surplus fund balance in the crypto asset management data 152.

Then, the crypto asset management processing unit 111 of the server 10 executes the interest-bearing crypto asset return process (S440).

In the interest-bearing crypto asset return process, the crypto asset management processing unit 111 of the server 10 issues a transaction to the crypto asset blockchain to transfer (return) the crypto asset return balance from a crypto asset wallet address for crypto asset management held by the crypto asset exchange to the crypto asset wallet address of the user who deposited the crypto asset, by way of example and not limitation.

Returning to Figure 11, when the crypto asset return process is executed, the crypto asset management processing unit 111 of the server 10 sends crypto asset return information indicating that the crypto asset has been returned to the user's crypto asset wallet address to terminal 20A via the communication I/F 14 (S170).
In addition, the cryptocurrency return information may or may not include the remaining cryptocurrency return amount, the return amount in dollar terms, the exchange rate, etc.

If it is not the crypto asset return date (S150: NO), the crypto asset management processing unit 111 of the server 10 skips steps S160 to S170.

When crypto asset return information is received from the server 10 via the communication I/F 22 (A140: YES), the control unit 21 of the terminal 20A displays the received crypto asset return information on the display unit 24 (A150).

If cryptocurrency return information is not received from the server 10 (A140: NO), the control unit 21 of the terminal 20A skips step A150.

Then, the control unit 21 of the terminal 20A determines whether or not to end the process (A160). A condition for ending the process may be, but is not limited to, when an account cancellation for the cryptocurrency application is selected based on an input (user operation) to the input/output unit 23 of the terminal 20A.

If it is selected not to end the process (A160: NO), the control unit 21 of terminal 20A returns the process to step A110.

If it is selected to end the process (A160: YES), the control unit 21 of the terminal 20A ends the process.

Next, the crypto asset management processing unit 111 of the server 10 executes the daily operation processing (S180).

In addition, if the date corresponds to the date for accepting new cryptocurrency deposits or the date for return, or both, the cryptocurrency management processing unit 111 of the server 10 may or may not skip the daily operation processing.

The daily operation process may be a process that is executed daily, or may be a process that is executed at a predetermined interval (for example, but not limited to, every six hours or every week).

Figure 15 is a flowchart showing an example of the procedure for daily operation processing.

First, the crypto asset management processing unit 111 of the server 10 executes a market information acquisition process (S510). The market information acquisition process can be executed in the same manner as step S210 in FIG. 12, for example and not for limitation.

Next, the crypto asset management processing unit 111 of the server 10 determines whether the crypto asset futures market is in a contango state based on the acquired market information (S520).

If the situation is a contango state (S520: YES), the crypto asset management processing unit 111 of the server 10, by way of example and not limitation, refers to the futures position management data in the crypto asset management data 152 and determines whether or not it holds a crypto asset futures position that is approaching maturity (S530).

In this step, the cryptocurrency management processing unit 111 of the server 10 may or may not determine whether the maturity date of the cryptocurrency futures position it holds is approaching within a specified day.

If a cryptocurrency futures position that is reaching maturity is being held (S530: YES), the cryptocurrency management processing unit 111 of the server 10 executes a futures position rollover process (S540).

In the futures position rollover process, the crypto asset management processing unit 111 of the server 10, by way of example and not limitation, transmits futures transaction rollover information to the futures server 50 via the communication I/F 14 to settle the futures selling position approaching maturity and place an order for an equal amount of futures selling position with a distant maturity date. The futures transaction order processing unit 511 of the futures server 50 then settles the futures transaction position approaching maturity based on the received futures transaction rollover information and contracts a new futures selling position. The futures transaction order processing unit 511 of the futures server 50 then transmits futures transaction result information including the contracted futures position to the server 10 via the communication I/F 54. Upon receiving the futures transaction result information from the futures server 50 via the communication I/F 14, the crypto asset management processing unit 111 of the server 10 updates the futures position management data of the crypto asset management data 152 based on the received futures transaction result information.

If the user does not hold a cryptocurrency futures position that is approaching maturity (S530: NO), the cryptocurrency management processing unit 111 of the server 10 skips step S540.

Next, the crypto asset management processing unit 111 of the server 10 determines whether the ratio of the valuation margin amount (the sum of the deposited margin amount and the valuation profit and loss) to the required margin amount (hereinafter referred to as the "margin maintenance ratio") is equal to or greater than a first predetermined maintenance ratio (S550). The higher the first predetermined maintenance ratio, the lower the investment risk, but the lower the investment yield.

The first predetermined maintenance rate can be set, by way of example and not limitation, to a value that results in a leverage of "Y" times or less (Y is any natural number). Note that it is desirable to set the leverage at around "2 to 3" times, taking into consideration the balance between investment gains and investment risks.

If the margin maintenance rate falls below the first predetermined maintenance rate (S550: NO), the crypto asset management processing unit 111 of the server 10 executes a partial liquidation process of the futures position (S560).

In the partial futures position liquidation process, the crypto asset management processing unit 111 of the server 10 transmits to the futures server 50 via the communication I/F 14 futures transaction partial settlement information for settling a portion of the futures position stored in the futures position management data of the crypto asset management data 152 so that the margin maintenance rate is equal to or greater than the first predetermined maintenance rate. The futures transaction order processing unit 511 of the futures server 50 then settles a portion of the futures transaction position based on the received futures transaction partial settlement information. Then, futures transaction result information including the settled futures position and the deposited margin amount after settlement is transmitted to the server 10 via the communication I/F 54. Upon receiving the futures transaction result information from the futures server 50 via the communication I/F 14, the crypto asset management processing unit 111 of the server 10 updates the futures position management data of the crypto asset management data 152 based on the received futures transaction result information.

Then, the crypto asset management processing unit 111 of the server 10 executes a partial crypto asset sale process (S570).
The partial cryptocurrency sale process is a process for selling the amount of cryptocurrency held in physical possession that is not included in the sell hedge in the partial liquidation process of the futures position.

In the partial crypto asset sale process, the crypto asset management processing unit 111 of the server 10 sends partial crypto asset sale transaction information to the exchange server 40 via the communication I/F 14 to sell crypto asset in an amount corresponding to the futures position settled in the partial futures position liquidation process (as a non-limiting example, if a futures short position of "2" BTC is settled, then "2" BTC). The crypto asset trading processing unit 411 of the exchange server 40 then trades the crypto asset based on the received partial crypto asset sale transaction information and transfers the sales proceeds to the account of the crypto asset exchange.
Upon receiving the sale proceeds, the crypto asset management processing unit 111 of the server 10 adds the sale proceeds to the surplus funds balance of the crypto asset management data 152. The crypto asset management processing unit 111 of the server 10 also deducts the amount of the sale from the deposited spot balance.

The crypto asset management processing unit 111 of the server 10 may transfer the sales proceeds obtained in the partial crypto asset sale process to the futures server 50 as futures margin. In this case, in the partial futures position liquidation process, the amount of the futures position to be settled may be set to be less than the amount when the sales proceeds are not taken into account, taking into account the sales proceeds obtained in the partial crypto asset sale process, or it may not be necessary to do so.

If the margin maintenance ratio is equal to or greater than the first predetermined maintenance ratio (S550: YES), the crypto asset management processing unit 111 of the server 10 skips steps S560 and S570.

Next, the crypto asset management processing unit 111 of the server 10 determines whether the surplus funds balance is greater than a predetermined value (for example, but not limited to, "0") (S580).

If the surplus fund balance is greater than the predetermined value (S580: YES), the crypto asset management processing unit 111 of the server 10 determines whether the daily management processing day is a business day of the futures exchange mediated by the futures trading broker (S590).

If it is a business day of the futures exchange (S590: YES), the crypto asset management processing unit 111 of the server 10 executes the crypto asset purchase amount setting process (S600).

In the crypto asset purchase amount setting process, the crypto asset management processing unit 111 of the server 10 calculates the amount of crypto asset to be purchased using the surplus fund balance (hereinafter referred to as the "additional operating crypto asset amount") based on, by way of example and not limitation, the dollar conversion rate, the surplus fund balance, and the crypto asset spot price.

The amount of additional managed crypto assets may be calculated, by way of example and not limitation, using the following formula:
"Additional cryptocurrency amount" = "Excess fund balance" x (1 - "dollar conversion rate") ÷ "Cryptocurrency spot price"

Then, the crypto asset management processing unit 111 of the server 10 executes the crypto asset purchase process (S610).

In the crypto asset purchase process, the crypto asset management processing unit 111 of the server 10 transmits crypto asset additional purchase transaction information for purchasing crypto assets equivalent to the additional operating crypto asset amount to the exchange server 40 via the communication I/F 14. The crypto asset transaction processing unit 411 of the exchange server 40 then trades the crypto asset based on the received crypto asset additional purchase transaction information and debits the purchase price from the crypto asset exchange's account (surplus funds balance). The crypto asset transaction processing unit 411 of the exchange server 40 then issues a transaction to transfer the purchased crypto asset to a crypto asset wallet address held by the crypto asset exchange for crypto asset management.
When a block containing the issued transaction is incorporated into the crypto asset blockchain (the transaction is approved), the crypto asset management processing unit 111 of the server 10 reads a new block in the crypto asset blockchain and obtains the transaction contained in the new block.
Then, the crypto asset management processing unit 111 of the server 10 updates the deposited cash balance and the surplus fund balance in the crypto asset management data 152.

Then, the crypto asset management processing unit 111 of the server 10 executes the futures margin replenishment process (S620). The futures margin replenishment process can be executed in a manner similar to step S360 in FIG. 13, for example and not by way of limitation.

When the futures margin replenishment process is executed, the crypto asset management processing unit 111 of the server 10 executes a futures selling hedge transaction process (S630).

In the futures selling hedge transaction processing, the crypto asset management processing unit 111 of the server 10, by way of example and not limitation, transmits futures trading order information for futures selling of crypto assets equivalent to the additional operating crypto asset amount to the futures server 50 via the communication I/F 14. Then, the futures trading order processing unit 511 of the futures server 50 concludes a futures transaction based on the received futures trading order information, and transmits futures trading result information including the concluded futures position to the server 10 via the communication I/F 54. Upon receiving the futures trading result information from the futures server 50 via the communication I/F 14, the crypto asset management processing unit 111 of the server 10 updates the futures position management data of the crypto asset management data 152 based on the received futures trading result information.

If it is not a business day of the futures exchange (S590: NO), the crypto asset management processing unit 111 of the server 10 skips steps S600 to S630.

If the surplus funds balance is below the predetermined value (S580: NO), the crypto asset management processing unit 111 of the server 10 skips steps S590 to S630.

If the situation is not a contango state (S520: NO), the crypto asset management processing unit 111 of the server 10 executes futures position liquidation processing (S640).
The futures position liquidation process may be performed in a manner similar to step S420 of FIG. 14, for example and not by way of limitation.

Then, the crypto asset management processing unit 111 of the server 10 executes a process for selling all of the deposited crypto assets (S650).
The process of selling all of the deposited crypto assets can be executed in a manner similar to step S380 in FIG. 13, for example and not by way of limitation.

In other words, when the cryptocurrency futures market is not in contango (is in backwardation), the cryptocurrency exchange will convert the entire amount of deposited cryptocurrency into cash (convert it into the first legal tender) and hold it as surplus funds.

Returning to FIG. 11, when the daily operation process is received, the crypto asset management processing unit 111 of the server 10 determines whether or not to terminate the process (S190). Examples of conditions for terminating the process include, but are not limited to, when the crypto asset lending service in the crypto asset application is selected to be stopped based on an input (user operation) to the input/output unit 12 of the server 10.

If it is selected not to end the process (S190: NO), the crypto asset management processing unit 111 of the server 10 returns the process to step S110.

If it is selected to end the process (S190: YES), the crypto asset management processing unit 111 of the server 10 ends the process.

<Display screen>
In the following, as an example and not a limitation, a case will be described in which the terminal 20 is a smartphone equipped with a display unit 24 having a portrait display.

For example, but not by way of limitation, a smartphone has a touch panel that functions as an input unit and is disposed opposite the display, thereby forming a touch screen. When an element such as an icon, button, item, or input area is displayed on the display, and a part of the touch panel that faces the area in which the element is displayed is operated by a user, a program associated with that element or a subroutine of that program is executed.

In the following, the operation by the user will be described as a tap (tap operation) as an example and not as a limitation.
A tap (tap operation) is, by way of example and not limitation, an action in which a user lightly touches the display unit 24 (touch screen) that is integrally configured with a touch panel with a finger or the tip of a pen, and then releases the touch.

Note that the display screen transitions described below are merely examples of display screen transitions for implementing the method of the present disclosure. In the display screen transitions illustrated below, the display of some display screens may be omitted, or other display screens may be added.

16 and 17 are screen diagrams showing an example of the transition of screens displayed on the display unit 24 of the terminal 20 in this embodiment.
The left side of Figure 16 shows, by way of example and not limitation, the home screen of the crypto asset application displayed on the display unit 24 of the terminal 20A of user A.

At the top of the screen, the words "Crypto Asset App" are displayed as the name of the crypto asset application. Below that is an area (hereafter referred to as the "title display area") that shows the title of the current screen (page) in the crypto asset application. In this example, the word "Home" is displayed in the title display area, indicating that this is the home screen.

Below the title display area is a total asset display area TAR1, which is the total market value of the crypto assets managed (held) by user A.A in the crypto asset application. Also, below the total asset display area is a crypto asset price confirmation area PCR1, which displays the crypto assets that can be bought and sold at the crypto asset exchange and the exchange rates.

In this example, it is assumed that user A. A holds "15" BTC of Bitcoin as crypto assets. By way of example and not limitation, the crypto asset price confirmation area PCR1 displays that the Bitcoin exchange rate (Bitcoin price) is "30,000" USD/BTC, and that the exchange rate has increased by "+3.24%" compared to the previous day. In addition, at the bottom of the crypto asset price confirmation area PCR1, the price movement of Bitcoin from "2020/12/1" to "2021/1/1" is displayed in a graph that rises to the right.
Additionally, the total assets display area TAR1 displays that user A.A. owns crypto assets worth “450,000” USD.

Below the cryptocurrency price confirmation area PCR1 is a notification display area NT1 from the cryptocurrency sales business that provides cryptocurrency services. The notification display area NT1 displays a message indicating that the cryptocurrency sales office is accepting cryptocurrency loans from users.

At the bottom of the screen, an application menu selection area for the cryptocurrency application is displayed. In the application menu selection area, by way of example and not limitation, a home button indicated with the word "Home" for transitioning to the home screen, a wallet operation button indicated with the word "Wallet" for making deposits and withdrawals to the cryptocurrency wallet, a cryptocurrency lending button indicated with the word "Lend" for lending cryptocurrency, and an account editing button indicated with the word "Account" for confirming and changing account registration information are displayed side by side.

By way of example and not limitation, when the user taps the cryptocurrency lending button, the display transitions to the screen shown in the center of FIG. 16. On this screen, the words "Cryptocurrency Lending" are displayed in the title display area, indicating that this is the cryptocurrency lending screen.

Below the title display area, a lending conditions confirmation display area ICR1 is displayed for displaying the interest rate and lending period when lending crypto assets.
The lending condition confirmation display area ICR1 displays that the interest rate for bitcoin lending is 2.0% per annum and the lending period is one month.

Below the lending condition confirmation display area ICR1, a lending quantity designation area ADR1 for designating the amount to be lent when lending crypto assets is displayed.
The loan amount designation area ADR1 displays that the loan amount designated by the user is "15" BTC, which is equivalent to "450,000" USD at the current exchange rate. Also, below that, it displays that the amount of cryptocurrency held by the user is "15" BTC. In other words, the amount of cryptocurrency held by the user is the maximum loan amount.

In addition, in the loan amount designation area ADR1, the amount of cryptocurrency to be loaned may be designated by inputting a USD equivalent amount based on user operation, but this is not essential.

As an example and not a limitation, when a user taps the cryptocurrency loan application button BT1, indicated by the word "Apply" displayed below the loan quantity designation area ADR1, the display transitions to the screen shown on the right side of Figure 16, as an example and not a limitation.

On this screen, below the title display area is a message indicating that an application has been made for the loan of the amount of cryptocurrency specified in the loan amount specification area ADR1. Below that is a message indicating that interest will be paid at an annual rate of 2.0% on the loaned 15 BTC, equivalent to 450,000 USD, and that the amount of 450,750 USD worth of Bitcoin will be returned on the scheduled return date of 2/1/2021. However, because the exchange rate at the time of return is unknown, the amount of Bitcoin to be returned is displayed as "?" BTC.

In addition, instead of the dollar-converted return amount of "450,750" USD, the dollar-converted interest amount of "750" USD, which is the interest amount converted into the first legal tender and to be paid on the scheduled return date, may or may not be displayed. Also, the dollar-converted return amount, the dollar-converted deposit amount, and the dollar-converted interest amount may or may not be displayed together.

In addition, before executing the lending of the cryptocurrency, the screen on the right side of Figure 16 may be displayed as a final confirmation, and when a cryptocurrency lending application button (not shown) on the right side of Figure 16 is tapped, the lending of the cryptocurrency may be executed, or it may not be executed.

The left side of Figure 17 is an example of a home screen on "2/1/2021", the cryptocurrency return date.
On this screen, the cryptocurrency price confirmation area PCR2 displays that the Bitcoin exchange rate (Bitcoin price) is 25,000 USD/BTC, and that the exchange rate has fallen by -6.33% compared to the previous day. In addition, the price movement of Bitcoin from 2021/1/1 to 2021/2/1 is displayed as a mountain-shaped graph at the bottom of the cryptocurrency price confirmation area PCR2.
Additionally, the total assets display area TAR2 displays that user A.A. owns crypto assets worth “450,750” USD.

Below the cryptocurrency price confirmation area PCR2 is a notification display area NT2 from the cryptocurrency sales business that provides cryptocurrency services. The notification display area NT2 displays a message indicating that the cryptocurrency that the user lent to the cryptocurrency sales office has been converted.

As a non-limiting example, when the user taps on the notification display area NT2, the display transitions to the crypto asset lending screen shown on the right side of FIG. 17.

On this screen, below the title display area, a message is displayed indicating that the lent cryptocurrency has been returned to the user. Below that, it is displayed that interest was paid on the lent 15 BTC, equivalent to 450,000 USD, at an annual rate of 2.0%, and that the amount was returned as 18.03 BTC, equivalent to 450,750 USD, on the return date of 2021/2/1.

Note that, instead of the dollar-converted return amount of "450,750" USD, the dollar-converted interest amount of "750" USD, which is the amount of interest in the first legal tender that will be granted on the return date, may or may not be displayed. Also, the dollar-converted return amount, the dollar-converted deposit amount, and the dollar-converted interest amount may or may not be displayed together.

In addition, instead of the cryptocurrency return balance of "18.03" BTC, the cash balance at the time of return of "18" BTC and the cash balance for interest of "0.03" BTC may be displayed separately, or it is not necessary to do so. The cryptocurrency return balance, the cash balance at the time of return, and the cash balance for interest may be displayed together, or it is not necessary to do so.

Effects of the First Embodiment
This embodiment is a program executed by server 10 (not limited to this, but an example of a system for obtaining information regarding crypto assets owned by a user of a terminal), which performs a crypto asset deposit interest rate calculation process (not limited to this, but an example of control for calculating an interest rate regarding the lending of crypto assets), executes a crypto asset deposit interest rate information transmission (not limited to this, but an example of control for displaying information regarding interest rates on a terminal), executes a new deposited crypto asset partial sale process (not limited to this, but an example of control for selling a portion of the deposited spot balance (not limited to this, but an example of the first asset amount), which is the asset amount of crypto assets that the user has been permitted to lend), executes a futures margin replenishment process (not limited to this, but an example of control for replenishing margin related to futures trading), and executes a new futures selling hedge transaction process (not limited to this, but an example of control for exchanging rights regarding the sale of crypto asset futures). The program configuration shown includes the following steps: executing a futures position liquidation process (not limited to, an example of control to exercise a right); executing a crypto asset purchase process for return (not limited to, an example of control to purchase crypto asset using at least a portion of the total amount of the margin and the amount obtained by exercising a right); and executing an interest-bearing deposited crypto asset return process (not limited to, an example of control to associate a crypto asset return balance (not limited to, an example of a total asset amount) which is the sum of the cash balance at the time of return (not limited to, an example of a second asset amount), which is the asset amount of crypto asset equivalent to the principal amount based on the deposited cash balance (not limited to, an example of a first asset amount), and the interest cash balance (not limited to, an example of a third asset amount), which is the asset amount of crypto asset equivalent to the interest rate), to a user.
As an example of the effect of an embodiment obtained by such a configuration, the cryptocurrency deposit interest rate is displayed on the user's terminal, and if the user agrees to lending the cryptocurrency, the cryptocurrency return balance, which is the sum of the cash balance at the time of repayment equivalent to the principal amount and the cash balance for the interest equivalent to the interest rate, is returned to the user, thereby giving the user peace of mind about lending their cryptocurrency and providing them with a profit.

In addition, this embodiment shows a program configuration in which cryptocurrency deposit interest rate information (not limited to, but an example of information regarding interest rates) includes a dollar-converted interest amount (not limited to, but an example of information regarding the amount of the third asset).
As an example of the effect of an embodiment obtained by such a configuration, at the stage of lending cryptocurrency, when the spot price of the cryptocurrency at the time of return has not been determined, the user can be notified in advance of the amount equivalent to the profit that can be provided.

In addition, this embodiment shows a program configuration in which cryptocurrency deposit interest rate information (not limited to, but an example of information regarding interest rates) includes a dollar-converted return amount (not limited to, but an example of information regarding the total asset amount).
As an example of the effect of an embodiment obtained by such a configuration, at the stage of lending cryptocurrency, when the spot price of the cryptocurrency at the time of return has not been determined, the user can be notified in advance of the amount equivalent to the cryptocurrency that can be returned.

In addition, this embodiment shows a program configuration in which the cryptocurrency deposit interest rate (not limited to, but an example of an interest rate) is calculated based on the cryptocurrency implied interest rate (not limited to, but an example of an implied interest rate for cryptocurrency).
As an example of the effect of an embodiment obtained by such a configuration, by using a crypto asset implied interest rate based on the relationship between the futures price and spot price of the crypto asset to calculate the interest rate, it is possible to obtain an appropriate interest rate to present to the user.

In addition, this embodiment shows a program configuration in which a new futures selling hedge transaction process (not a limitation, but an example of control to purchase rights) is control to purchase a futures position (not a limitation, but an example of a right to sell cryptocurrency futures) based on a contango state of the cryptocurrency (not a limitation, but an example of the futures price of the cryptocurrency being higher than the spot price (not a limitation, but an example of the actual price)), and a futures position liquidation process or futures position rollover process (not a limitation, but an example of control to exercise rights) is executed by the maturity date (not a limitation, but an example of the expiration date of the cryptocurrency futures).
As an example of the effect of an embodiment obtained by such a configuration, by purchasing a futures short position of a cryptocurrency based on the fact that the situation is a contango state, it is possible to make a profit by taking advantage of the tendency for the difference between the first price, which is the purchase price of the futures short position at the time of purchasing the futures short position, and the spot price to be smaller than the difference between the first price and the spot price on the maturity date.

In addition, this embodiment shows a program configuration in which cryptocurrency deposit interest rate information (not limited to this, but an example of information related to interest rates) includes a return date (not limited to this, but an example of information related to due dates).
As an example of the effect of the embodiment obtained by such a configuration, the user can be notified in advance of the time conditions for applying the proposed interest rate.

In addition, this embodiment shows a program configuration in which the partial futures position liquidation process and the partial crypto asset sale process (not limited to, but an example of control to replenish margin) are control to replenish margin by selling a portion of the deposited spot balance (not limited to, but an example of the first asset amount) when there is a contango state (not limited to, but an example of when the futures price of crypto asset is higher than the spot price of the crypto asset).
As an example of the effect of an embodiment obtained by such a configuration, it is possible to sell a portion of the crypto assets deposited by a user to replenish margin, purchase a futures short position based on that margin, and make a profit by taking advantage of the contango state.

In addition, this embodiment shows a program configuration that includes executing a process to sell the entire amount of newly deposited cryptocurrency (not a limitation, but an example of a control to sell the entire deposited spot balance (not a limitation, but an example of the first asset amount) and turn it into a surplus fund balance (not a limitation, but an example of funds that can be used to purchase cryptocurrency)) when in a backwardation state (not a limitation, but an example of a case where the futures price of the cryptocurrency is not higher than the spot price of the cryptocurrency).
As an example of the effect of an embodiment obtained by such a configuration, when the spot price of the cryptocurrency deposited by the user is higher than the futures price, the entire amount of the cryptocurrency deposited by the user can be sold and kept as a surplus fund balance, thereby securing the capacity to purchase future cryptocurrency or futures selling positions.

In addition, this embodiment shows a program configuration that includes executing a crypto asset purchase process (not limited to, an example of control for using a portion of the funds to purchase a crypto asset) and a futures selling hedge transaction process (not limited to, an example of control for using a portion of the funds to purchase rights to sell crypto asset futures) in the event of a contango state (not limited to, an example of when the futures price of a crypto asset becomes higher than the spot price of the crypto asset).
As an example of the effect of an embodiment obtained by such a configuration, when the non-contango state changes to a contango state, it is possible to make a profit in response to the change in situation by using the surplus fund balance to purchase crypto assets and using the surplus fund balance to purchase a futures short position.

Further, this embodiment shows a program configuration in which a futures position (not a limitation, but an example of a right) is based on a first predetermined maintenance rate (not a limitation, but an example of a predetermined multiple of leverage).
As an example of the effect of the embodiment obtained by such a configuration, it becomes possible to obtain a profit based on a leverage factor by using a margin.

In addition, this embodiment shows a program configuration that includes executing a partial crypto asset sale process (not limited to, but an example of control to replenish margin by selling part of crypto assets) when the margin maintenance rate falls below a first specified maintenance rate (not limited to, but an example of when the margin falls below a reference value).
As an example of the effect of an embodiment obtained by such a configuration, it is possible to replenish margin by selling secured crypto assets and maintain a futures selling position.

<First Modification (1)>
In the first embodiment, the US dollar (USD) is used as the first legal currency, but the present invention is not limited to this. As a non-limiting example, the first legal currency may or may not be the Japanese yen (JPY) or the euro (EUR).

In this case, the crypto asset transaction processing unit 411 of the exchange server 40 performs, by way of example and not limitation, intermediation processing for the purchase and sale of crypto assets in the first legal tender in crypto asset transactions.
In this case, the futures trading order processing unit 511 of the futures server 50, by way of example and not limitation, accepts the first legal tender as margin in futures trading, and executes order and settlement processing for cryptocurrency futures trading denominated in the first legal tender.

<First Modification (2)>
In the first embodiment, Bitcoin (BTC) is used as an example of the cryptocurrency, but this is not limiting. As a non-limiting example, Ethereum (registered trademark) (ETH) or Link (registered trademark) (LK) may or may not be used as the cryptocurrency.

In order to properly calculate the expected rate of return after deducting risk, it is necessary to obtain a reasonable HV. Therefore, it is desirable for the cryptocurrency that is accepted for loan from users to be one for which futures trading in the first legal tender has already been taking place for a certain period of time.

<First Modification (3)>
In the first embodiment, the crypto asset management processing unit 111 of the server 10 executes a new crypto asset deposit process after executing a crypto asset deposit interest rate calculation process, but this is not limited to this. As a non-limiting example, if the calculated crypto asset deposit interest rate falls below a predetermined value (as a non-limiting example, an annual rate of "0.1"%), the crypto asset management processing unit 111 of the server 10 may or may not transmit crypto asset deposit interest rate information and execute a new crypto asset deposit process.

If the calculated cryptocurrency deposit interest rate falls below a predetermined value, the cryptocurrency management processing unit 111 of the server 10 may send cryptocurrency deposit refusal information to the terminal 20A, instead of the cryptocurrency deposit interest rate information, to the effect that the cryptocurrency deposit will not be accepted. The control unit 21 of the terminal 20A may then display the received deposit refusal information on the display unit 24.

In addition, if the exchange rate of crypto assets fluctuates by more than a specified percentage within a specified period, the crypto asset management processing unit 111 of the server 10 may execute a crypto asset deposit interest rate calculation process and send crypto asset deposit interest rate information to the terminal 20, thereby encouraging the user of the terminal 20 to lend out the crypto asset, or it may not do so.

In addition, if the value of the crypto asset converted into the first legal tender currency has not increased within a specified period, the crypto asset management processing unit 111 of the server 10 may execute a crypto asset deposit interest rate calculation process and send crypto asset deposit interest rate information to the terminal 20 to encourage the user of the terminal 20 to lend out the crypto asset, or may not do so.

<First Modification (4)>
In the first embodiment, in the daily management process, when the margin maintenance ratio is equal to or greater than a first predetermined maintenance ratio (S550: YES in FIG. 15), the crypto asset management processing unit 111 of the server 10 determines whether or not there are surplus funds (S580 in FIG. 15), but this is not limited to this. As a non-limiting example, when the margin maintenance ratio is equal to or greater than the first predetermined maintenance ratio (S550: YES in FIG. 15), the crypto asset management processing unit 111 of the server 10 may, or may not, determine whether or not the margin maintenance ratio is equal to or greater than a second predetermined maintenance ratio that is greater than the first predetermined maintenance ratio.

When the margin maintenance rate is equal to or greater than the second predetermined maintenance rate, the crypto asset management processing unit 111 of the server 10, by way of example and not limitation, withdraws from the deposited margin an arbitrary amount that satisfies that the margin maintenance rate is equal to or greater than the first predetermined maintenance rate, out of the deposited margin amount deposited in the futures server 50, and adds it to the surplus funds balance. S580 in FIG. 15 branches to YES.

The second predetermined maintenance rate can be set, by way of example and not limitation, to a value that results in leverage of "Z" times or less (where Z is any natural number such that "Z<Y"). As a result, if the leverage falls too low, the deposited margin amount can be reduced and the amount can be used for additional cryptocurrency spot holdings and hedging. This can improve operational efficiency.

This modified example shows a program configuration that includes control to withdraw from the deposited margin and add to the surplus funds balance (not limited to, an example of control to convert part of the margin into funds that can be used to purchase crypto assets) when the margin maintenance rate is equal to or higher than a second specified maintenance rate (not limited to, an example of a case where the margin has not fallen below the reference value), a crypto asset purchase process (not limited to, an example of control to purchase crypto assets using part of the funds), and a futures sell hedge transaction process (not limited to, an example of control to purchase rights to sell crypto asset futures using part of the funds).
As an example of the effect of an embodiment obtained by such a configuration, when the margin maintenance rate is equal to or higher than a second predetermined maintenance rate, it is possible to make a profit in response to changes in the situation by using the margin to purchase crypto assets and using the margin to purchase a short futures position.

<First Modification (5)>
In the first embodiment, the crypto asset management processing unit 111 of the server 10 executes the interest-bearing deposited crypto asset return process when it is the crypto asset return date, but this is not limited to this. As a non-limiting example, when the crypto asset management processing unit 111 of the server 10 receives crypto asset return request information requesting the return of the crypto asset from the terminal 20A by the crypto asset return date, the crypto asset management processing unit 111 may or may not execute the interest-bearing deposited crypto asset return process.

By way of example and not limitation, when the control unit 21 of terminal 20A sends crypto asset deposit request information (A130 in FIG. 11), it causes the display unit 24 to display a selection display for deciding whether to receive the return (return) of the crypto asset on the crypto asset return date or to continue lending and operating it as is. By way of example and not limitation, if it is selected to receive the return of the crypto asset based on input (user operation) to the input/output unit 23 of terminal 20A, the control unit 21 of terminal 20A sends crypto asset return request information to the server 10 via the communication I/F 22.

If crypto asset return request information is not received by the crypto asset return date, the crypto asset management processing unit 111 of the server 10, by way of example and not limitation, does not execute the interest-bearing deposited crypto asset return process in the crypto asset return process. The crypto asset management processing unit 111 of the server 10 executes the crypto asset deposit interest rate calculation process again to calculate the crypto asset deposit interest rate in the case of continued operation. The crypto asset management processing unit 111 of the server 10 then executes the new crypto asset deposit process again, treating the crypto asset return balance as newly deposited crypto asset.

This allows operations to continue until the user requests the return of their crypto assets.

<First Modification (6)>
In the first embodiment, when the crypto asset application processing unit 211 of the terminal 20A receives crypto asset deposit interest rate information, it displays the crypto asset deposit interest rate information on the display unit 24, but this is not limited to this. By way of example and not of limitation, when an instruction to sell crypto asset is given based on an input (user operation) to the input/output unit 23 of the terminal 20A, the crypto asset application processing unit 211 of the terminal 20A may, but may not, display the crypto asset deposit interest rate information or a display prompting the display of the crypto asset deposit interest rate information on the display unit 24 when such an instruction is given based on an input (user operation) to the input/output unit 23 of the terminal 20A.

FIG. 18 shows an example of a display screen in this modified example.
The left side of Figure 18 shows, by way of example and not limitation, the home screen of the crypto asset application displayed on the display unit 24 of the terminal 20A of user A.

By way of example and not limitation, when the cryptocurrency price confirmation area PCR2 is tapped by the user, the display transitions to the screen in the center of FIG. 18, by way of example and not limitation. On this screen, the words "Cryptocurrency Trading" are displayed in the title display area, indicating that this is the cryptocurrency trading screen.

Below the title display area are displayed the exchange rate of Bitcoin, the cryptocurrency being bought and sold, and the amount held by the user. Also displayed at the bottom of the cryptocurrency buying and selling screen are a cryptocurrency purchase button BT2 marked "Purchase" which transitions to a screen for purchasing Bitcoin, and a cryptocurrency sale button BT3 marked "Sell" which transitions to a screen for selling Bitcoin.

As an example and not a limitation, when the user taps the crypto asset sell button BT3, the display transitions to the screen shown on the right side of Figure 18.

On this screen, a cryptocurrency lending proposal display area LPR1 is popped up in the center of the screen (FIG. 18) to encourage users to lend the cryptocurrency they wish to sell.

The cryptocurrency lending proposal display area LPR1 displays the words "Would you like to lend your cryptocurrency?" encouraging the user to lend the cryptocurrency they wish to sell, and the words "USD price principal guaranteed!" indicating that the loaned cryptocurrency will not decrease in value at its USD equivalent price.
In addition, the cryptocurrency lending proposal display area LPR1 may display the cryptocurrency deposit interest rate or the lending period, or both, in the event of lending, but this is not essential.

Below the cryptocurrency lending proposal display area LPR1 is a lending conditions display button LCR1 with the words "View conditions" to transition to the cryptocurrency lending screen.

As an example and not a limitation, when the loan condition display button LCR1 is tapped by the user, the display transitions to a crypto asset loan screen similar to that shown in the center of FIG. 16, as an example and not a limitation.

The cryptocurrency lending proposal display area LPR1 may, or may not, be displayed only when the price of cryptocurrency is falling (for example, and not by way of limitation, the price is negative compared to the previous day). Also, the cryptocurrency lending proposal display area LPR1 may, or may not, be displayed only when the calculated cryptocurrency deposit interest rate is equal to or higher than a predetermined interest rate (for example, and not by way of limitation, 3% per annum).

This modified example shows a program configuration in which the display of the cryptocurrency lending proposal display area (not limited to this, but an example of control for displaying information regarding interest rates) is executed based on an operation being performed on the terminal to sell cryptocurrency.
As an example of the effect of the embodiment obtained by such a configuration, by presenting to a user who wishes to sell crypto assets that they can earn profits by lending after the principal in legal tender is secured, the user can be made to realize that it is more profitable to lend than to sell the crypto assets, and this can encourage the lending of the crypto assets. Also, for the manager, it becomes possible to manage a larger amount of crypto assets, thereby increasing the profits from management.

<First Modification (7)>
In the first embodiment, the contango state is defined as a state in which the futures price is higher than the spot price, but is not limited to this. As a non-limiting example, the contango state may be defined as a state in which the price of a futures contract with a further maturity date is higher than the price of a futures contract with a closer maturity date (nearest maturity date).

Second Example
In the second embodiment, by way of example and not limitation, a user lends (lends) crypto assets held by the user to a crypto asset seller based on a deposit interest rate offered by the crypto asset seller. The crypto asset seller manages the crypto assets deposited by the user and returns the crypto assets to the user with interest.

When crypto assets deposited by a user are returned, they are returned to the user as crypto assets whose value is converted into a second legal tender, which is the value converted into the second legal tender at the time of deposit plus interest. However, the second legal tender is a different legal tender from the first legal tender. Note that crypto asset exchanges and futures exchanges use the first legal tender as the purchase price and margin.

In the second embodiment, as an example and not as a limitation, Bitcoin (BTC) is used as an example of crypto assets. Furthermore, as an example and not as a limitation, the US dollar (USD) is used as an example of the first legal currency. Furthermore, as an example and not as a limitation, the Japanese yen (JPY) is used as an example of the second legal currency. Furthermore, as an example and not as a limitation, Bitcoin futures denominated in US dollars, similar to those in the first embodiment, are used as an example of crypto asset futures trading.

The contents described in the second embodiment are applicable to any of the other embodiments and other modified examples.
Furthermore, the same components as those already mentioned are given the same reference numerals and will not be described again.

The deposited crypto asset management data in the crypto asset management data 152 stores, by way of example and not limitation, the crypto asset application ID and the deposited amount converted into yen in association with each other.

The yen-equivalent deposit amount is the price of the cryptocurrency converted into the second legal tender currency at the exchange rate at the cryptocurrency exchange when the cryptocurrency seller accepts the loan of the cryptocurrency from the user. The yen-equivalent deposit amount may also be referred to as the second legal tender currency deposit amount.

As a non-limiting example, when the exchange rate for borrowing crypto assets from users is 1 BTC = 3,000,000 JPY, if user A.A lends 15 BTC to a crypto asset exchange, the yen-converted deposit amount will be 3,000,000 x 15 = 45,000,000 JPY.

Furthermore, the futures position management data of the crypto asset management data 152 stores the positions of USD-denominated Bitcoin futures as well as Japanese Yen/USD futures as futures position data.

In this embodiment, in the new cryptocurrency deposit process, the control unit of the cryptocurrency management system uses the futures margin replenished in the futures margin replenishment process (step S360 in FIG. 13) to make a Japanese Yen/US Dollar foreign exchange futures reservation (foreign exchange futures reservation, exchange reservation) for the yen-converted deposit amount.

In the crypto asset return process, the control unit of the crypto asset management system adds the profit and loss of the foreign exchange futures reservation to the surplus funds balance after the futures position liquidation process (step S420 in FIG. 14). The control unit of the crypto asset management system calculates the yen-converted return amount by applying the crypto asset deposit interest rate to the yen-converted deposit amount in the return crypto asset purchase process (step S430 in FIG. 14). The control unit of the crypto asset management system then calculates the crypto asset return balance based on the yen-converted return amount, the deposit spot balance, and the yen-denominated crypto asset spot trading price (yen-denominated exchange rate) at the time of crypto asset return.

In the cryptocurrency deposit interest rate calculation process, the customer offered deposit interest rate can be calculated using the following formula, by way of example and not limitation:

"Customer offered deposit interest rate" = "Expected return after risk deduction" - "USD hedging cost" - "Transaction cost rate" - "Cryptocurrency seller return rate"

Here, the USD hedge cost rate is a cost rate incurred in relation to a foreign exchange forward contract, and can be calculated, by way of example and not limitation, using the following formula (6) based on the USD interest rate and the JPY interest rate.

The JPY interest rate refers to the implied interest rate (futures interest rate) of the second legal tender currency (in this example, the Japanese yen). The JPY interest rate can also be called the second legal tender interest rate.

In addition, the transaction cost rate is, by way of example and not limitation, the sum of the cryptocurrency spot transaction cost rate, the cryptocurrency futures transaction cost rate, and the JPY futures transaction cost rate, which can be calculated using the following formula (7).

The unit JPY futures spot trading cost is, by way of example and not limitation, the commission rate charged by a futures trading broker for a unit amount (by way of example and not limitation, "10,000" JPY) of Japanese Yen/US Dollar futures trading.

<Display screen>
19 and 20 are screen diagrams showing an example of the transition of screens displayed on the display unit 24 of the terminal 20 in this embodiment.

Figures 19 and 20 show, as an example and not a limitation, an example of the transition of a cryptocurrency application similar to that shown in Figures 16 and 17 when "1" USD = "100" JPY. For the sake of simplicity, an example is shown in which there is no change in the exchange rate between the cryptocurrency deposit date and the cryptocurrency return date.

On the left side of Figure 19, the cryptocurrency price confirmation area PCR3 displays that the Bitcoin exchange rate (Bitcoin price) is "3,000,000" yen (JPY)/BTC.
Additionally, the total assets display area TAR3 displays that user A.A. owns crypto assets worth "45,000,000" yen.

In the center of Figure 19, the loan amount specification area ADR2 displays that the loan amount specified by the user is "15" BTC, which is equivalent to "45,000,000" yen at the current exchange rate. Also, below that, it displays that the amount of cryptocurrency held by the user is "15" BTC.

On the right side of Figure 19, it is displayed that interest will be paid at an annual rate of 2.0% on the loaned 15 BTC, equivalent to 45,000,000 yen, and that 45,075,000 yen worth of Bitcoin will be returned on the scheduled return date of 2/1/2021. However, since the exchange rate at the time of return is unknown, the amount of Bitcoin to be returned is displayed as "?" BTC.

On the left side of Figure 20, the cryptocurrency price confirmation area PCR4 displays that the Bitcoin exchange rate (Bitcoin price) has fallen to "2,500,000" yen/BTC.
Additionally, the total assets display area TAR4 displays that user A.A. owns crypto assets worth "45,075,000" yen.

The right side of Figure 20 shows that interest was paid at an annual rate of 2.0% on the lent 15 BTC equivalent to 45,000,000 yen, and that 18.03 BTC equivalent to 45,075,000 yen was returned on the repayment date of 2021/2/1.

<Effects of the Second Example>
This embodiment shows a program configuration in which US dollar-denominated Bitcoin futures (not limited to, an example of cryptocurrency futures) can be purchased with US dollars (not limited to, an example of a first legal currency), and includes executing the transmission of cryptocurrency deposit interest rate information (not limited to, an example of control for causing a terminal to display the price of a cryptocurrency based on units of Japanese yen (not limited to, an example of a second legal currency) which is different from US dollars (not limited to, an example of a first legal currency)), and the customer offered deposit interest rate (not limited to, an example of an interest rate) is calculated based on a USD hedge cost rate (not limited to, an example of an exchange rate hedging cost between the first legal currency and the second legal currency).
As an example of the effect of an embodiment obtained by such a configuration, even if cryptocurrency futures can be purchased in US dollars but cannot be directly purchased in Japanese yen, by hedging between US dollars and Japanese yen, it is possible to secure the principal in Japanese yen and provide profits from lending the cryptocurrency.

＜Other＞
Systems to which the techniques of the present disclosure can be applied are not limited to the above systems.
The present invention is not limited to systems including a terminal and a server, but may also be applied to systems that do not include a server, such as the following system, which is a non-limiting example.
A system in which terminals have server functions (distributed system). This can be realized by using the aforementioned blockchain technology, for example and not by way of limitation.
A system in which terminals communicate wirelessly with each other. This can be realized, for example and without limitation, by communicating in a peer-to-peer (P2P) manner using short-range wireless communication technology such as Bluetooth.

Reference Signs List 1 Communication system 10 Server 20 Terminal 30 Network 40 Exchange server 50 Futures server

Claims (16)

A program executed by a system for acquiring information about crypto assets owned by a user of a terminal,
Executing control to calculate an interest rate on the lending of the crypto asset;
executing control to cause the terminal to display information regarding the interest rate;
Executing control to sell a part of a first asset amount, which is the asset amount of the cryptocurrency permitted to be lent by the user, to replenish a margin for futures trading;
Executing control to purchase rights to sell futures on said crypto assets;
exercising controls to exercise said rights; and
Executing control to purchase the crypto asset using at least a portion of the total amount of the margin and the amount obtained by exercising the right;
Executing control to associate a total asset amount of a second asset amount, which is an asset amount of the crypto asset equivalent to a principal amount based on the first asset amount, and a third asset amount, which is an asset amount of the crypto asset equivalent to the interest rate, with the user;
Programs including. The program of claim 1,
The program, wherein the information about the interest rate includes information about an amount equivalent to the third asset amount. The program of claim 2,
The information on the interest rate includes information on an amount equivalent to the total asset amount. The program according to any one of claims 1 to 3,
A program in which the interest rate is calculated based on the implied interest rate of the cryptocurrency. The program according to any one of claims 1 to 4,
The control for displaying information regarding the interest rate is a program that is executed based on an operation to sell the crypto asset being performed on the terminal. The program according to any one of claims 1 to 5,
The control to purchase the right is control to purchase the right to sell the crypto asset futures based on the futures price of the crypto asset being higher than the spot price of the crypto asset,
The control for exercising the rights is a program that is executed by the expiry date of the cryptocurrency futures. The program of claim 6,
The information about the interest rate includes information about the due date. The program of claim 6 or 7,
The control for replenishing the margin is a program for controlling the selling of a portion of the first asset amount to replenish the margin when the futures price of the crypto asset is higher than the spot price of the crypto asset. The program of claim 8,
A program including: if the futures price of the cryptocurrency is not higher than the spot price of the cryptocurrency, executing control to sell the entire amount of the first asset and use the funds to purchase the cryptocurrency. The program of claim 9,
A program including: when the futures price of the cryptocurrency becomes higher than the spot price of the cryptocurrency, executing control to purchase the cryptocurrency using a portion of the funds; and control to purchase rights to sell the cryptocurrency futures using a portion of the funds. The program according to any one of claims 1 to 10,
The rights are based on a program of leverage of a specified factor. The program of claim 11,
and executing control to sell a portion of the cryptocurrency to replenish the margin when the margin falls below a reference value. The program of claim 12,
A program including the steps of: when the margin has not fallen below the reference value, controlling a portion of the margin to become funds that can be used to purchase the cryptocurrency; controlling the use of a portion of the funds to purchase the cryptocurrency; and controlling the use of a portion of the funds to purchase rights to sell futures on the cryptocurrency. The program according to any one of claims 1 to 13,
The cryptocurrency futures can be purchased with a first legal tender;
Executing control to cause the terminal to display the price of the crypto asset based on the unit of a second legal currency different from the first legal currency;
A program in which the interest rate is calculated based on an exchange rate hedging cost between the first legal currency and the second legal currency. An information processing method for a system for acquiring information regarding crypto assets owned by a user of a terminal, comprising:
Executing control to calculate an interest rate on the lending of the crypto asset;
executing control to cause the terminal to display information regarding the interest rate;
Executing control to sell a part of a first asset amount, which is the asset amount of the cryptocurrency permitted to be lent by the user, to replenish a margin for futures trading;
Executing control to purchase rights to sell futures on said crypto assets;
exercising controls to exercise said rights; and
Executing control to purchase the crypto asset using at least a portion of the total amount of the margin and the amount obtained by exercising the right;
and executing control to associate a total asset amount, including a second asset amount which is the asset amount of the crypto asset equivalent to a principal amount based on the first asset amount, and a third asset amount which is the asset amount of the crypto asset equivalent to the interest rate, with the user. A system for acquiring information regarding crypto assets owned by a user of a terminal, comprising:
Control of calculating an interest rate on the lending of the crypto asset;
Control for displaying information regarding the interest rate on the terminal;
Control of replenishing a margin for futures trading by selling a part of a first asset amount, which is the asset amount of the cryptocurrency permitted to be lent by the user;
Control of purchasing rights to sell futures on said crypto assets;
Control over exercising said rights; and
Control of purchasing the crypto asset using at least a portion of the total amount of the margin and the amount obtained by exercising the right;
A system including a control unit that executes control to associate a total asset amount, including a second asset amount, which is the asset amount of the crypto asset equivalent to the principal amount based on the first asset amount, and a third asset amount, which is the asset amount of the crypto asset equivalent to the interest rate, with the user.

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