WO2022101980A1 - Payment assistance system and payment assistance method - Google Patents

Payment assistance system and payment assistance method Download PDF

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Publication number
WO2022101980A1
WO2022101980A1 PCT/JP2020/041921 JP2020041921W WO2022101980A1 WO 2022101980 A1 WO2022101980 A1 WO 2022101980A1 JP 2020041921 W JP2020041921 W JP 2020041921W WO 2022101980 A1 WO2022101980 A1 WO 2022101980A1
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WO
WIPO (PCT)
Prior art keywords
payment
request information
information
user
user terminal
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PCT/JP2020/041921
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French (fr)
Japanese (ja)
Inventor
広伸 上野
亮 満足
Original Assignee
ｄｏｕｂｌｅ ｊｕｍｐ．ｔｏｋｙｏ株式会社
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Priority to JP2021553129A priority Critical patent/JPWO2022101980A1/ja
Priority to PCT/JP2020/041921 priority patent/WO2022101980A1/en
Publication of WO2022101980A1 publication Critical patent/WO2022101980A1/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models

Definitions

  • the present invention relates to a payment support system and a payment support method.
  • Non-Patent Document 1 Transactions and settlements of crypto assets (assets, virtual currencies, etc.) using smart contracts in blockchain are widely performed.
  • Ethereum executes an arbitrary transaction by a smart contract, and the transaction history is shared by each node (Non-Patent Document 1).
  • an execution fee (GAS fee, etc.) is required to execute a transaction (transaction and settlement) in such a blockchain system.
  • GAS fee an execution fee
  • a transaction transaction and settlement
  • a consensus building process must be performed to ensure data consistency in the blockchain system, but this consensus building process requires a certain amount of time.
  • the present invention has been made in view of such a background, and an object of the present invention is to provide a payment support system capable of reducing the burden of payment processing by a user and smoothly performing transaction processing, and a payment support method. There is something in it.
  • One of the present inventions for solving the above problems is configured to include a plurality of user terminals and server devices that are communicably connected to each other, and each of the plurality of user terminals and the server device has a smart contract.
  • a memorized payment support system wherein the smart contract includes a deposit processing unit that accepts and stores a deposit input of a specified amount of a value exchange medium to which a signature information related to the user terminal is attached, and stores the server.
  • the device comprises one or a plurality of payment request information which is information requesting payment using the deposited value exchange medium based on a predetermined transaction, and includes a payment request information receiving processing unit for receiving payment request information from the user terminal.
  • a payment support system including a payment processing unit on the management side that transfers from the smart contract to the account related to the server device.
  • another one of the present invention is configured to include a plurality of user terminals and server devices that are communicably connected to each other, and each of the plurality of user terminals and the server device stores a smart contract.
  • a payment support method in a payment support system the smart contract executes a deposit process of receiving and storing a deposit of a specified amount of a value exchange medium with signature information related to the user terminal, and the server.
  • the device executes payment request information reception processing for receiving one or more payment request information, which is information requesting payment using the deposited value exchange medium, from the user terminal based on a predetermined transaction, and the smart.
  • FIG. 1 is a diagram showing an example of a configuration of a payment support system according to the present embodiment.
  • FIG. 2 is a diagram showing an example of the function of a smart contract in a blockchain system.
  • FIG. 3 is a diagram showing an example of a data structure of deposit information.
  • FIG. 4 is a diagram showing an example of a function provided in a user terminal.
  • FIG. 5 is a diagram showing an example of a function provided in the server device.
  • FIG. 6 is a diagram showing an example of hardware included in a server device and a user terminal.
  • FIG. 7 is a diagram illustrating an outline of processing performed in the payment support system.
  • FIG. 8 is a flow chart illustrating an example of the deposit process.
  • FIG. 9 is a diagram showing an example of the data structure of the deposit request.
  • FIG. 1 is a diagram showing an example of a configuration of a payment support system according to the present embodiment.
  • FIG. 2 is a diagram showing an example of the function of a smart contract
  • FIG. 10 is a flow chart illustrating an example of payment request information transmission processing.
  • FIG. 11 is a diagram showing an example of payment request information 0.
  • FIG. 12 is a flow chart illustrating an example of payment processing on the management side.
  • FIG. 13 is a flow chart illustrating an example of user-side payment processing.
  • FIG. 14 is a diagram showing an example of user payment information.
  • FIG. 15 is a flow chart illustrating an example of the forced withdrawal process.
  • FIG. 16 is a diagram showing an example of forced withdrawal request information.
  • FIG. 1 is a diagram showing an example of the configuration of the payment support system 1 according to the present embodiment.
  • the payment support system 1 includes a server device 3 and a plurality of user terminals 5 used by each user.
  • the server device 3 is an information processing device used by a predetermined operator.
  • the user terminal 5 is an information processing device used by a user who uses various services provided by the operator, and is, for example, a personal computer, a smartphone, or the like.
  • Each user terminal 5 and the server device 3 are connected by, for example, a wired or wireless communication network 2 such as a LAN (Local Area Network), a WAN (Wide Area Network), the Internet, or a dedicated line.
  • a wired or wireless communication network 2 such as a LAN (Local Area Network), a WAN (Wide Area Network), the Internet, or a dedicated line.
  • individual communication that does not depend on the blockchain system 10 can also be performed between the server device 3 and each user terminal 5.
  • the payment support system 1 constitutes the blockchain system 10.
  • the blockchain system 10 manages accounts associated with the server device 3 and each user terminal 5 (hereinafter, referred to as an operating account and a user account, respectively).
  • the blockchain system 10 stores a smart contract (Smart contract) that executes various transaction processes between accounts, which will be described later, using transaction data. By accepting the input of transaction data, the smart contract executes transactions and settlements between accounts of the blockchain system 10 using a value exchange medium (cryptocurrency or the like) implemented in the blockchain system 10.
  • Smart contract Smart contract
  • a value exchange medium cryptocurrency or the like
  • the smart contract verifies the signature data included in the input transaction data and determines that the signature data is valid (specifically, the signature data is registered in the smart contract in advance. If it is determined that the signature is the user's signature), the transaction processing is executed.
  • the above-mentioned value exchange medium is required to execute this transaction processing. Further, it takes a predetermined time to execute the transaction processing due to the consensus building process for ensuring the consistency of the blockchain data in the blockchain system 10.
  • the blockchain system 10 of the present embodiment is Ethereum, and the value exchange medium thereof is Ether (ETH).
  • FIG. 2 is a diagram showing an example of the function of the smart contract in the blockchain system 10.
  • the blockchain system 10 includes a deposit contract 100 as a smart contract.
  • the deposit contract 100 includes a deposit processing unit 101, an operation side payment processing unit 102, a user side payment processing unit 103, and a forced withdrawal processing unit 104. Further, the deposit contract 100 stores the deposit information 120.
  • the deposit contract 100 is deployed in the blockchain system 10 by, for example, the administrator of the server device 3.
  • the deposit processing unit 101 accepts the input of the deposit of the value exchange medium of the specified amount to which the signature information (user signature) related to the user terminal 5 is attached, and stores it in the deposit information 120.
  • the operation side payment processing unit 102 accepts input of payment request information described later from an account (operation account) managed by the administrator of the server device 3, and uses the signature information attached to the payment request information and the deposit processing unit 101.
  • the input signature information (user signature) related to the user terminal 5 matches, the amount indicated by the payment request information is transferred from the deposit contract 100 to the account (operating account) related to the server device 3.
  • the user-side payment processing unit 103 accepts input of user payment information to be described later, including payment request information, from an account (user account) managed by the user related to the user terminal 5, and the signature information attached to the user payment information and the user.
  • the signature information (user signature) related to the terminal 5 matches, the amount of the value exchange medium indicated by the user payment information is transferred from the deposit contract 100 to the account (operating account) of the server device 3 and the deposit contract 100.
  • the amount obtained by subtracting the amount of the value exchange medium indicated by the user payment information from the amount of the value exchange medium deposited in the deposit contract 100 is transferred from the deposit contract 100 to the account (user account) of the user terminal 5.
  • the forced withdrawal processing unit 104 is information for requesting withdrawal of a value exchange medium from the account (user account) of the user terminal 5 at least exceeding the amount indicated by the payment request information input to the operation side payment processing unit 102.
  • the amount of the exchange medium is transferred from the deposit contract 100 to the account (user account) related to the user terminal 5.
  • the forced withdrawal processing unit 104 receives the payment request information from the account (operating account) related to the server device 3 for a predetermined time.
  • the amount of the value exchange medium indicated by the forced withdrawal request information is set in the account (user account) related to the user terminal 5.
  • FIG. 3 is a diagram showing an example of the data structure of the deposit information 120.
  • the deposit information 120 is information on the deposit amount (value exchange medium) of each account deposited in the deposit contract 100, and is deposited by the user's account 121 (user account) related to each user terminal 5 and the account 121. It has each information of the deposit amount 122 which is the amount of ETH.
  • FIG. 4 is a diagram showing an example of a function provided in the user terminal 5. As shown in the figure, the user terminal 5 includes a payment request information transmission processing unit 51 and a payment request information reception processing unit 52.
  • the settlement request information transmission processing unit 51 transmits one or a plurality of settlement request information, which is information requesting settlement using the value exchange medium deposited in the deposit contract 100, to the server device 3 based on a predetermined transaction.
  • the payment request information is accompanied by the signature information of the account related to the user terminal 5.
  • the payment request information reception processing unit 52 receives all or part of the payment request information previously transmitted by the payment request information transmission processing unit 51 to the server device 3 from the server device 3.
  • FIG. 5 is a diagram showing an example of the functions included in the server device 3.
  • the server device 3 includes a payment request information reception processing unit 31 and a payment request information transmission processing unit 32.
  • the payment request information reception processing unit 31 receives one or more payment request information from the user terminal 5, and stores and stores the received payment request information.
  • the payment request information transmission processing unit 32 transmits (replies) all or part of the payment request information received by the payment request information reception processing unit 31 to the user terminal 5.
  • FIG. 6 is a diagram showing an example of hardware included in the server device 3 and the user terminal 5.
  • the server device 3 and the user terminal 5 include a processing device 11 such as a CPU (Central Processing Unit), a main storage device 12 such as a RAM (Random Access Memory) and a ROM (Read Only Memory), and an HDD (Hard Disk Drive).
  • An auxiliary storage device 13 such as an SSD (Solid State Drive), an input device 14 consisting of a keyboard, mouse, touch panel, etc., an output device 15 consisting of a monitor (display), etc., and a communication device that communicates with other information processing devices. It is an information processing device provided with 16.
  • a processing device 11 such as a CPU (Central Processing Unit)
  • main storage device 12 such as a RAM (Random Access Memory) and a ROM (Read Only Memory)
  • HDD Hard Disk Drive
  • An auxiliary storage device 13 such as an SSD (Solid State Drive)
  • an input device 14 consisting of a keyboard, mouse, touch panel
  • each smart contract or program stored in the main storage device 12 or the auxiliary storage device 13
  • the processing content of each smart contract or program is realized.
  • These smart contracts or programs are non-temporary readable by each node, for example, secondary storage devices, non-volatile semiconductor memories, hard disk drives, storage devices such as SSDs, or IC cards, SD cards, DVDs, etc. It may be stored in a data storage medium.
  • FIG. 7 is a diagram illustrating an outline of processing performed in the payment support system 1.
  • the deposit contract 100 executes deposit of a specified amount of ETH from the user account 50 of a certain user terminal 5 to the deposit contract 100 (deposit process s1).
  • the user related to the user terminal 5 acquires (purchases) assets (property information such as NFT (NonFungibleToken)) on the blockchain system 10 from the operator account or other accounts using the user account. do. Then, since payment (settlement) of ETH is required as consideration for the acquisition or purchase of this asset, the user uses ETH of the deposit contract 100.
  • assets property information such as NFT (NonFungibleToken)
  • NFT NonFungibleToken
  • the user terminal 5 transmits the payment request information accompanied by the user's signature data to the server device 3 so that the purchased portion of the ETH deposited in the deposit contract 100 by the deposit process s1 can be used for the payment.
  • Settlement request information transmission process s2) When the user acquires the asset a plurality of times, the settlement request information transmission process s2 is also executed a plurality of times accordingly.
  • the deposit contract 100 accepts the input of payment request information (with a user signature) from the operating account 30, and when this payment request information is input, the user attached to the payment request information. After verifying the signature data of, the ETH of the purchase of the asset among the ETH of the user deposited in the deposit contract 100 is transferred to the operation account 30 (operation side settlement process s3).
  • the user terminal 5 receives all or part of the payment request information that has been transmitted to the server device 3 and is stored in the server device 3 from the server device 3 (payment request information reception process s4).
  • the deposit contract 100 accepts input of user payment information from the user account 50, which is information associated with the payment request information received by the user terminal 5 in the payment request information receiving process s4, and the user request information is received.
  • user payment information is information associated with the payment request information received by the user terminal 5 in the payment request information receiving process s4, and the user request information is received.
  • the ETH of the user's ETH deposited in the deposit contract 100 for the asset purchase is transferred to the operating account 30 and at the same time.
  • the balance of ETH of the deposit contract 100 is refunded to the user account 50 (user side payment process s5).
  • the user can forcibly withdraw the ETH deposited in the deposit contract 100 without considering the payment amount related to the purchase of the asset.
  • the deposit contract 100 accepts the input of the forced withdrawal request information from the user account 50, and when the forced withdrawal request information is input, the deposit contract 100 verifies the user's signature data accompanying the forced withdrawal request information. , Withdraw the entire amount of ETH deposited in the deposit contract 100 from the deposit contract 100 to the user account 50.
  • the deposit contract 100 waits for a predetermined time from the input of the forced withdrawal request information to the withdrawal, and also accepts the input of the payment request information from the operating account 50 (user-side forced withdrawal process s6). .. If the payment request information is not input for this predetermined time, only the above-mentioned withdrawal to the user account 50 is performed.
  • these processes will be specifically described.
  • FIG. 8 is a flow chart illustrating an example of the deposit process s1.
  • the deposit processing unit 101 of the deposit contract 100 is waiting for input of a deposit request from the user account (s11).
  • FIG. 9 is a diagram showing an example of the data structure of the deposit request 300.
  • the deposit request 300 includes the account 301 of the depositing user, the deposit amount 302 which is the deposit request amount, and the user signature information 303 of the depositing user (for example, information generated from the user's encryption key). Have information.
  • the deposit processing unit 101 verifies the signature when the deposit request 300 is input (s11: input) (s12). Specifically, the deposit processing unit 101 verifies whether or not the user signature information 303 of the deposit request 300 is the signature of the registered user of the deposit contract 100.
  • the deposit processing unit 101 deposits the contents of the deposit request 300. It is registered in the information 120 (s13), and the deposit process s1 is completed.
  • the deposit processing unit 101 sets the account 301 of the deposit request 300 as the account 121 of the deposit information 120, and sets the deposit amount 302 (for example, "100 ETH") of the deposit request 300 to the deposit amount 122 of the deposit information 120. Set to.
  • FIG. 10 is a flow chart illustrating an example of the settlement request information transmission process s2.
  • the settlement request information transmission process s2 is executed after the execution of the deposit process s1 is completed.
  • the payment request information transmission processing unit 51 of the user terminal 5 accepts the input of a part or all of the ETH deposited by the deposit processing s1 (hereinafter referred to as the payment amount) (s21).
  • the user terminal 5 may display a predetermined screen and accept input of a payment amount (for example, 10 ETH out of 100 ETH) from the user, or receive information on the payment amount from another information processing device. May be good.
  • a payment amount for example, 10 ETH out of 100 ETH
  • the payment request information transmission processing unit 51 transmits the payment request information related to the input payment amount to the server device 3 (s22).
  • FIG. 11 is a diagram showing an example of payment request information 320.
  • the payment request information 320 includes the user's account 321 and the payment amount 322, and the user signature information 323.
  • the payment request information reception processing unit 31 of the server device 3 receives the payment request information 320, stores the received payment request information 320 (s23), and the payment request information transmission processing s2 finish.
  • the server device 3 receives the payment request information 320 three times, and stores a total payment amount of 30 ETH with a user signature.
  • FIG. 12 is a flow chart illustrating an example of the operation side settlement process s3.
  • the management-side settlement process s3 is started, for example, after the server device 3 stores the settlement request information 320 by the settlement request information transmission process s2.
  • the management side payment processing unit 102 of the deposit contract 100 accepts the input of the payment request information 320 from the management account (s31).
  • the server device 3 displays a list of the payment request information 320 currently stored, and accepts the selection of one or a plurality of payment request information 320 to be settled this time from the operator.
  • the operation side payment processing unit 102 of the deposit contract 100 accepts the input of the above-selected payment request information 320 from the operation account managed by the server device 3.
  • the server device 3 when the server device 3 receives the payment request information 320 from the user terminal 5 by the payment request information transmission process s2, the payment request information 320 is automatically input to the deposit contract 100 or after a predetermined time after receiving the payment request information 320. You may do so.
  • the management side payment processing unit 102 verifies the signature of the payment request information 320 (s32). Specifically, the operation side payment processing unit 102 verifies whether or not all the user signature information 323 of each payment request information 320 is a registered signature of the user.
  • the side payment processing unit 102 transfers the payment amount 322 of each payment request information 320 from the deposit contract 100 to the account (operating account) of the server device 3 (s33).
  • the management-side payment processing unit 102 subtracts the payment amount 322 of the payment request information 320 from the deposit amount 122 of the account 121 corresponding to the account 321 of the payment request information 320 in the deposit information 120, and reduces the deposit amount 122. Set the payment amount 322 in the operating account. This completes the payment to the management side.
  • FIG. 13 is a flow chart illustrating an example of the user-side payment process s4. This process is executed, for example, after the settlement request information transmission process s2 is executed.
  • the payment request information reception processing unit 52 of the user terminal 5 accepts an input to settle the amount indicated by the payment request information 320 transmitted to the server device 3 in the payment request information transmission processing s2 on behalf of the operator ( s41).
  • the payment request information receiving processing unit 52 displays a predetermined screen and accepts input from the user of information specifying the payment request information 320 previously transmitted to the server device 3 in the payment request information transmission processing s2.
  • the payment request information reception processing unit 52 When the payment request information reception processing unit 52 receives the input of information from the user (s41: input), the payment request information reception processing unit 52 transmits a request for acquisition of the payment request information 320 related to the settlement to the server device 3 (s42).
  • the user payment information acquisition request is accompanied by information specifying the payment request information 320 input in s41.
  • the payment request information receiving processing unit 52 may automatically transmit the acquisition request of the payment request information 320 to the server device 3 after a predetermined time has passed since the payment request information 320 was transmitted to the server device 3. ..
  • the server device 3 When the server device 3 receives the acquisition request from the user terminal 5, the server device 3 transmits the payment request information 320 indicated by the acquisition request to the user terminal 5 among the payment request information 320 stored in the server device 3 (s43).
  • the user-side payment processing unit 103 of the deposit contract 100 accepts the input of the user payment information 360 regarding the payment request information 320 received by the user terminal 5 in s43 from the user account (s44: reception).
  • FIG. 14 is a diagram showing an example of user payment information.
  • the user payment information 360 is information obtained by collecting one or more payment request information 320 received in s43, and includes each information of the user account 361, the payment amount 362, and the user signature information 363.
  • the user-side payment processing unit 103 verifies the signature of the user payment information 360 (s45). For example, the user-side payment processing unit 103 verifies whether or not the user signature information 363 of the user payment information 360 is a registered signature of the user. At this time, the user-side payment processing unit 103 refers to the predetermined information incidental to the user payment information 360 or the predetermined information stored in the deposit contract 100, so that each payment request information in the user payment information 360 can be obtained. It may be confirmed whether the 320 is transmitted to the server device 3 (whether the operation account has been requested to settle).
  • the user-side payment process s4 ends, and if the verification of the signature of the user payment information 360 succeeds (s45: OK), the user The side payment processing unit 103 performs the payment indicated by the user payment information 360 to the operating account, and withdraws ETH from the deposit contract 100 to the user account.
  • FIG. 15 is a flow chart illustrating an example of the forced withdrawal process s5. This process is executed, for example, after the execution of the settlement request information transmission process s2 is completed and when the management side settlement process s3 is not executed.
  • the forced withdrawal processing unit 104 of the deposit contract 100 accepts the input of the forced withdrawal request information from the user account (s52).
  • the user terminal 5 displays a screen showing the ETH deposited in the deposit process s1 (for example, the deposit amount 122 of the deposit information 120), and is related to the payment amount transmitted to the server device 3 in the payment request information transmission process s2. It accepts the input of confirmation as to whether or not to withdraw the full amount (for example, 100 ETH) (s51). Then, when the confirmation is input, the user terminal 5 generates the forced withdrawal request information and inputs it to the deposit contract 100.
  • the ETH deposited in the deposit process s1 for example, the deposit amount 122 of the deposit information 120
  • the user terminal 5 receives the input of confirmation as to whether or not to withdraw the full amount (for example, 100 ETH) (s51). Then, when the confirmation is input, the user terminal 5 generates the forced withdrawal request information and inputs it to the deposit contract 100.
  • the user terminal 5 may generate the forced withdrawal request information after a predetermined time after transmitting the payment request information 320 to the server device 3, and input the payment request information into the deposit contract 100.
  • FIG. 16 is a diagram showing an example of forced withdrawal request information 380.
  • the forced withdrawal request information 380 has each information of the user account 381 and the user signature information 382.
  • the forced withdrawal processing unit 104 verifies the signature of the forced withdrawal request information 380 (s53). For example, the forced withdrawal processing unit 104 verifies whether or not the user signature information 382 of the forced withdrawal request information 380 is a registered signature of the user.
  • the forced withdrawal processing unit 104 refers to the predetermined information incidental to the forced withdrawal request information 380 or the predetermined information stored in the deposit contract 100, so that the user terminal 5 can advance the server device 3 to the server device 3. It may be confirmed whether the payment request information 320 has been sent to (whether the operation account has been requested to settle).
  • the forced withdrawal processing unit 104 accepts input of a payment request from the operating account for a predetermined time (for example, 24 hours) before actually executing the forced withdrawal (s54, s55: NO). Specifically, the forced withdrawal processing unit 104 accepts the input of the settlement request information 320 from the management account by the management side settlement processing s3 described above for a predetermined time.
  • the forced withdrawal processing unit 104 executes the process of s58 described later.
  • the forced withdrawal processing unit 104 verifies the signature of the forced withdrawal request information 380 (s56). For example, the forced withdrawal processing unit 104 determines whether or not the user signature information 382 of the forced withdrawal request information 380 is a registered signature of the user.
  • the forced withdrawal processing unit 104 transfers the amount indicated by the settlement request information 320 from the deposit contract 100 to the operating account (s57).
  • the forced withdrawal processing unit 104 subtracts the settlement amount 322 of the settlement request information 320 from the deposit amount 122 of the account 121 corresponding to the account 381 of the forced withdrawal request information 380 in the deposit information 120, and reduces the deposit amount 122. Set the settlement amount 322 for the minute in the operating account. After that, the processing of s58 is performed.
  • the forced withdrawal processing unit 104 withdraws (refunds) the entire balance of the deposit contract 100 to the user account.
  • the forced withdrawal processing unit 104 sets the deposit amount 122 of the account 121 corresponding to the account 381 of the forced withdrawal request information 380 in the deposit information 120 to the account 381 (user account) of the forced withdrawal request information 380.
  • the deposit amount 122 is set to zero. As a result, the deposit amount of the user in the deposit contract 100 becomes zero, and the full withdrawal to the user is realized.
  • the smart contract (deposit contract 100) accepts the deposit request 300 with the user signature, and the server device 3 receives the payment request information with the signature information.
  • the smart contract sets the amount indicated by the payment request information 320 in the operating account.
  • the payment support system 1 of the present embodiment only allows the user to send his / her signature to the server device 3, and makes payment using the value exchange medium (ETH) that he / she has deposited in the deposit contract 100. You can request it from the server device side (operation side).
  • ETH value exchange medium
  • the user since the user does not have to execute the deposit contract 100 by himself / herself, he / she bears the burden necessary for executing the deposit contract 100 (for example, payment of gas fee, waiting until the transaction processing of the deposit contract 100 is completed). It is possible to make a payment using the deposit contract 100.
  • the burden of payment processing on the user can be reduced and transaction processing can be smoothly performed.
  • the operating account or the server device 3 side makes payments related to the deposit contract 100 based on the user's signature attached by the user's intention, and the operating side does not independently manage the operation of the transaction. Payment support using such a deposit contract 100 does not fall under the custody business.
  • the blockchain system 10 is not limited to Ethereum, and may be any blockchain system that implements smart contracts.
  • the value exchange medium is not limited to ETH, and may be any other type of value exchange medium.
  • each program and smart contract described in this embodiment may be divided into a plurality of parts, or a plurality of programs or smart contracts may be integrated into one program or smart contract, respectively.
  • the user of the user terminal 5 and the executor of the transaction do not have to be the same as long as the user signature can be shared.
  • the compulsory withdrawal request information 380 may include the amount of the compulsory withdrawal. As a result, only a part of the deposit amount of the deposit contract 100 can be forcibly withdrawn.
  • the user terminal includes a settlement information reception processing unit that receives user payment information, which is information including the payment request information, from the server device, and the smart contract is a smart contract.
  • user payment information which is information including the payment request information
  • the smart contract is a smart contract.
  • the amount of the value exchange medium indicated by the user payment information is calculated by the server.
  • the user-side payment processing unit that transfers to the account related to the device and transfers the amount obtained by subtracting the amount of the value exchange medium indicated by the user payment information from the amount of the deposited value exchange medium to the account related to the user terminal. May be provided.
  • the user terminal 5 receives the payment request information 320 once transmitted to the server device 3 in return, and the deposit contract 100 corresponds to the user signature in the signature attached to the input payment request information 320.
  • the user side can proactively perform the payment processing on behalf of the operating side when the operating side does not make the payment. .. As a result, the payment can be completed quickly at the timing desired by the user.
  • the smart contract when the smart contract is attached with signature information and accepts input of forced withdrawal request information requesting withdrawal of a value exchange medium equal to or more than the amount indicated by the payment request information.
  • the signature information attached to the input forced withdrawal request information corresponds to the signature information related to the user terminal
  • the amount of the value exchange medium indicated by the forced withdrawal request information is related to the user terminal. It may be provided with a forced withdrawal processing unit set in the account.
  • the deposit contract 100 uses the requested amount when the forced withdrawal request information 380 requesting the withdrawal of the value exchange medium (for example, the entire deposit amount) exceeding the settlement amount is input and the user signature is correct. Set in your account. As a result, even if the management side becomes inoperable due to bankruptcy, bankruptcy, unknown location, etc., the user side can surely refund the ETH deposited in the deposit contract 100.
  • the forced withdrawal processing unit performs the forced withdrawal processing unit for a predetermined time when the signature information attached to the input forced withdrawal request information corresponds to the signature information related to the user terminal. Only when the input of the usage request information is accepted from the account related to the server device and the usage request information is not input for the predetermined time, the amount of the value exchange medium indicated by the forced withdrawal request information is set by the user. It may be set to the account related to the terminal.
  • the user side is fraudulent by accepting the payment request from the management side for a predetermined time. It is possible to prevent the withdrawal from the deposit contract 100.
  • a payment support system is configured to include a plurality of user terminals and server devices that are communicably connected to each other, and each of the plurality of user terminals and the server device stores a smart contract.
  • the smart contract executes a deposit process of accepting and storing a deposit input of a specified amount of a value exchange medium to which a signature information related to the user terminal is attached, and the server device performs a deposit process.
  • One or more payment request information which is information requesting payment using the deposited value exchange medium based on a predetermined transaction, is executed, and the payment request information reception process for receiving the payment request information from the user terminal is executed, and the smart contract
  • the amount indicated by the payment request information is set to the smart. It may be a payment support method that executes the management side payment process to transfer from the contract to the account related to the server device.
  • the user terminal executes a settlement information reception process for receiving the payment request information transmitted to the server device from the server device, and the smart contract is the user.
  • the input of the user payment information which is the information for requesting the payment indicated by the payment request information received by the terminal is accepted and the signature information attached to the input user payment information corresponds to the signature information related to the user terminal, the above
  • the amount of the value exchange medium indicated by the user payment information is transferred from the smart contract to the account related to the server device, and the amount of the value exchange medium indicated by the user payment information is deducted from the amount of the deposited value exchange medium.
  • the user-side payment process for transferring the amount of money from the smart contract to the account related to the user terminal may be executed.
  • the user terminal includes a payment request information receiving processing unit that receives the payment request information transmitted to the server device from the server device, and the smart contract is described by the smart contract.
  • the compulsory withdrawal request information which is the information requesting the withdrawal of the value exchange medium in the amount exceeding the amount indicated by the payment request information received by the user terminal
  • the signature information to be used corresponds to the signature information related to the user terminal
  • the forced withdrawal process for transferring the value exchange medium indicated by the forced withdrawal request information from the smart contract to the account related to the user terminal is executed. May be good.
  • the signature information attached to the input forced withdrawal request information corresponds to the signature information related to the user terminal.

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Abstract

A payment assistance system 1 in which each of a plurality of user terminals 5 and server devices 3 stores a smart contract, the payment assistance system 1 comprising: a deposit processing unit in which the smart contract accepts input of the designated amount of deposit of a value exchange medium accompanied by signature information pertaining to a user terminal 5; a payment request information reception processing unit in which a server device 3 receives, from a user terminal 5, one or a plurality of items of payment request information, which is information based on a prescribed transaction and requesting payment using the deposited value exchange medium; and an operation-side payment processing unit in which the smart contract accepts input of the payment request information having been received by the server device 3, and the amount indicated by the payment request information is transferred from the smart contract to the account that pertains to the server device 3 when the signature information accompanying the inputted payment request information corresponds to the signature information pertaining to the user terminal 5.

Description

決済支援システム、及び決済支援方法Payment support system and payment support method
　本発明は、決済支援システム、及び決済支援方法に関する。 The present invention relates to a payment support system and a payment support method.
　ブロックチェーンにおけるスマートコントラクト（Smart contract）を利用した暗号資産（アセット、仮想通貨等）の取引及び決済が広く行われている。例えば、イーサリアム（Ethereum）は、スマートコントラクトにより任意の取引（トランザクション）を実行し、その取引の履歴が各ノードで共有される（非特許文献１）。 Transactions and settlements of crypto assets (assets, virtual currencies, etc.) using smart contracts in blockchain are widely performed. For example, Ethereum executes an arbitrary transaction by a smart contract, and the transaction history is shared by each node (Non-Patent Document 1).
　しかしながら、このようなブロックチェーンシステムにおけるトランザクション（取引及び決済）の実行には実行手数料（ＧＡＳ代等）がかかる。また、トランザクションを実行した場合は合意形成処理を行ってブロックチェーンシステム内でのデータの整合性を確保しなければならないが、この合意形成処理にはある程度の時間を要する。 However, an execution fee (GAS fee, etc.) is required to execute a transaction (transaction and settlement) in such a blockchain system. Further, when a transaction is executed, a consensus building process must be performed to ensure data consistency in the blockchain system, but this consensus building process requires a certain amount of time.
　したがって、トランザクションに関わるユーザが多くなると、取引開始から決済完了までにかかる時間も費用も増大することになり、取引の促進の妨げとなる場合があった。 Therefore, if the number of users involved in the transaction increases, the time and cost required from the start of the transaction to the completion of the settlement will increase, which may hinder the promotion of the transaction.
　本発明はこのような背景に鑑みてなされたものであり、その目的は、ユーザの決済処理の負担を軽減し取引処理を円滑に行うことが可能な決済支援システム、及び決済支援方法を提供することにある。 The present invention has been made in view of such a background, and an object of the present invention is to provide a payment support system capable of reducing the burden of payment processing by a user and smoothly performing transaction processing, and a payment support method. There is something in it.
　以上の課題を解決するための本発明の一つは、互いに通信可能に接続された複数のユーザ端末及びサーバ装置を含んで構成され、前記複数のユーザ端末及び前記サーバ装置のそれぞれがスマートコントラクトを記憶している決済支援システムであって、前記スマートコントラクトが、前記ユーザ端末に係る署名情報が付帯した、価値交換媒体の指定額の預け入れの入力を受け付けて記憶する預け入れ処理部を備え、前記サーバ装置が、所定の取引に基づく、前記預け入れた価値交換媒体を利用した決済を要求する情報である決済要求情報を１又は複数、前記ユーザ端末から受信する決済要求情報受信処理部を備え、前記スマートコントラクトが、前記サーバ装置が受信した決済要求情報の入力を受け付け、入力された決済要求情報に付帯する署名情報が前記ユーザ端末に係る署名情報に対応する場合に、前記決済要求情報が示す額を、前記スマートコントラクトから前記サーバ装置に係るアカウントに移転する運営側決済処理部を備える、決済支援システム、とする。 One of the present inventions for solving the above problems is configured to include a plurality of user terminals and server devices that are communicably connected to each other, and each of the plurality of user terminals and the server device has a smart contract. A memorized payment support system, wherein the smart contract includes a deposit processing unit that accepts and stores a deposit input of a specified amount of a value exchange medium to which a signature information related to the user terminal is attached, and stores the server. The device comprises one or a plurality of payment request information which is information requesting payment using the deposited value exchange medium based on a predetermined transaction, and includes a payment request information receiving processing unit for receiving payment request information from the user terminal. When the contract accepts the input of the payment request information received by the server device and the signature information attached to the input payment request information corresponds to the signature information related to the user terminal, the amount indicated by the payment request information is calculated. , A payment support system including a payment processing unit on the management side that transfers from the smart contract to the account related to the server device.
　また、本発明の他の一つは、互いに通信可能に接続された複数のユーザ端末及びサーバ装置を含んで構成され、前記複数のユーザ端末及び前記サーバ装置のそれぞれがスマートコントラクトを記憶している決済支援システムにおける決済支援方法であって、前記スマートコントラクトが、前記ユーザ端末に係る署名情報が付帯した、価値交換媒体の指定額の預け入れの入力を受け付けて記憶する預け入れ処理を実行し、前記サーバ装置が、所定の取引に基づく、前記預け入れた価値交換媒体を利用した決済を要求する情報である決済要求情報を１又は複数、前記ユーザ端末から受信する決済要求情報受信処理を実行し、前記スマートコントラクトが、前記サーバ装置が受信した決済要求情報の入力を受け付け、入力された決済要求情報に付帯する署名情報が前記ユーザ端末に係る署名情報に対応する場合に、前記決済要求情報が示す額を、前記スマートコントラクトから前記サーバ装置に係るアカウントに移転する運営側決済処理を実行する、決済支援方法、とする。 Further, another one of the present invention is configured to include a plurality of user terminals and server devices that are communicably connected to each other, and each of the plurality of user terminals and the server device stores a smart contract. A payment support method in a payment support system, the smart contract executes a deposit process of receiving and storing a deposit of a specified amount of a value exchange medium with signature information related to the user terminal, and the server. The device executes payment request information reception processing for receiving one or more payment request information, which is information requesting payment using the deposited value exchange medium, from the user terminal based on a predetermined transaction, and the smart. When the contract accepts the input of the payment request information received by the server device and the signature information attached to the input payment request information corresponds to the signature information related to the user terminal, the amount indicated by the payment request information is calculated. , A payment support method for executing an operation-side payment process for transferring from the smart contract to the account related to the server device.
　本発明によれば、ユーザの決済処理の負担を軽減し取引処理を円滑に行うことができる。
　上記した以外の課題、構成及び効果は、以下の実施形態の説明により明らかにされる。 According to the present invention, it is possible to reduce the burden of payment processing on the user and smoothly perform transaction processing.
Issues, configurations and effects other than those described above will be clarified by the following description of the embodiments.
図１は、本実施形態に係る決済支援システムの構成の一例を示す図である。FIG. 1 is a diagram showing an example of a configuration of a payment support system according to the present embodiment. 図２は、ブロックチェーンシステムにおけるスマートコントラクトの機能の一例を示す図である。FIG. 2 is a diagram showing an example of the function of a smart contract in a blockchain system. 図３は、デポジット情報のデータ構造の一例を示す図である。FIG. 3 is a diagram showing an example of a data structure of deposit information. 図４は、ユーザ端末が備える機能の一例を示す図である。FIG. 4 is a diagram showing an example of a function provided in a user terminal. 図５は、サーバ装置が備える機能の一例を示す図である。FIG. 5 is a diagram showing an example of a function provided in the server device. 図６は、サーバ装置及びユーザ端末が備えるハードウェアの一例を示す図である。FIG. 6 is a diagram showing an example of hardware included in a server device and a user terminal. 図７は、決済支援システムにおいて行われる処理の概要を説明する図である。FIG. 7 is a diagram illustrating an outline of processing performed in the payment support system. 図８は、預け入れ処理の一例を説明するフロー図である。FIG. 8 is a flow chart illustrating an example of the deposit process. 図９は、預け入れ要求のデータ構成の一例を示す図である。FIG. 9 is a diagram showing an example of the data structure of the deposit request. 図１０は、決済要求情報送信処理の一例を説明するフロー図である。FIG. 10 is a flow chart illustrating an example of payment request information transmission processing. 図１１は、決済要求情報０の一例を示す図である。FIG. 11 is a diagram showing an example of payment request information 0. 図１２は、運営側決済処理の一例を説明するフロー図である。FIG. 12 is a flow chart illustrating an example of payment processing on the management side. 図１３は、ユーザ側決済処理の一例を説明するフロー図である。FIG. 13 is a flow chart illustrating an example of user-side payment processing. 図１４は、ユーザ決済情報の一例を示す図である。FIG. 14 is a diagram showing an example of user payment information. 図１５は、強制引き出し処理の一例を説明するフロー図である。FIG. 15 is a flow chart illustrating an example of the forced withdrawal process. 図１６は、強制引き出し要求情報の一例を示す図である。FIG. 16 is a diagram showing an example of forced withdrawal request information.
［システム構成］
　図１は、本実施形態に係る決済支援システム１の構成の一例を示す図である。決済支援システム１は、サーバ装置３と、各ユーザが利用する、複数のユーザ端末５とを含んで構成されている。 [System configuration]
FIG. 1 is a diagram showing an example of the configuration of the payment support system 1 according to the present embodiment. The payment support system 1 includes a server device 3 and a plurality of user terminals 5 used by each user.
　サーバ装置３は、所定の運営者が使用する情報処理装置である。ユーザ端末５は、運営者が提供する各種サービスを利用するユーザが使用する情報処理装置であり、例えば、パーソナルコンピュータ、又はスマートフォン等である。 The server device 3 is an information processing device used by a predetermined operator. The user terminal 5 is an information processing device used by a user who uses various services provided by the operator, and is, for example, a personal computer, a smartphone, or the like.
　各ユーザ端末５及びサーバ装置３の間は、例えば、ＬＡＮ（Local Area Network）、ＷＡＮ（Wide Area Network）、インターネット、専用線等の有線又は無線の通信ネットワーク２で接続される。なお、サーバ装置３と各ユーザ端末５との間では、ブロックチェーンシステム１０によらない個別の通信も行うことができる。 Each user terminal 5 and the server device 3 are connected by, for example, a wired or wireless communication network 2 such as a LAN (Local Area Network), a WAN (Wide Area Network), the Internet, or a dedicated line. In addition, individual communication that does not depend on the blockchain system 10 can also be performed between the server device 3 and each user terminal 5.
　決済支援システム１は、ブロックチェーンシステム１０を構成している。ブロックチェーンシステム１０は、サーバ装置３及び各ユーザ端末５にそれぞれ対応づけられたアカウント（以下、それぞれ運営アカウント及びユーザアカウントという）を管理している。 The payment support system 1 constitutes the blockchain system 10. The blockchain system 10 manages accounts associated with the server device 3 and each user terminal 5 (hereinafter, referred to as an operating account and a user account, respectively).
　ブロックチェーンシステム１０は、後述する、アカウント間の各種のトランザクション処理をトランザクションデータにより実行するスマートコントラクト（Smart contract）を記憶している。スマートコントラクトは、トランザクションデータの入力を受け付けることで、ブロックチェーンシステム１０に実装されている価値交換媒体（暗号通貨等）を用いた、ブロックチェーンシステム１０のアカウント間の取引及び決済を実行する。 The blockchain system 10 stores a smart contract (Smart contract) that executes various transaction processes between accounts, which will be described later, using transaction data. By accepting the input of transaction data, the smart contract executes transactions and settlements between accounts of the blockchain system 10 using a value exchange medium (cryptocurrency or the like) implemented in the blockchain system 10.
　この際、スマートコントラクトは、入力されたトランザクションデータに含まれる署名データを検証し、その署名データが正当であると判定した場合（具体的には、その署名データが当該スマートコントラクトに予め登録されたユーザの署名であると判定した場合）に、そのトランザクション処理を実行する。 At this time, when the smart contract verifies the signature data included in the input transaction data and determines that the signature data is valid (specifically, the signature data is registered in the smart contract in advance. If it is determined that the signature is the user's signature), the transaction processing is executed.
　なお、このトランザクション処理の実行には、前記の価値交換媒体が必要である。また、トランザクション処理の実行には、ブロックチェーンシステム１０内でのブロックチェーンデータの整合性確保のための合意形成処理等により所定の時間を要する。 The above-mentioned value exchange medium is required to execute this transaction processing. Further, it takes a predetermined time to execute the transaction processing due to the consensus building process for ensuring the consistency of the blockchain data in the blockchain system 10.
　ここで、本実施形態のブロックチェーンシステム１０はイーサリアム（Ethereum）であり、その価値交換媒体は、Ether（ＥＴＨ）であるものとする。 Here, it is assumed that the blockchain system 10 of the present embodiment is Ethereum, and the value exchange medium thereof is Ether (ETH).
［スマートコントラクト］
　図２は、ブロックチェーンシステム１０におけるスマートコントラクトの機能の一例を示す図である。ブロックチェーンシステム１０は、スマートコントラクトとしてデポジットコントラクト１００を備える。デポジットコントラクト１００は、預け入れ処理部１０１、運営側決済処理部１０２、ユーザ側決済処理部１０３、及び強制引き出し処理部１０４を備える。また、デポジットコントラクト１００は、デポジット情報１２０を記憶している。デポジットコントラクト１００は、例えば、サーバ装置３の管理者によってブロックチェーンシステム１０に展開されるものである。 [Smart contract]
FIG. 2 is a diagram showing an example of the function of the smart contract in the blockchain system 10. The blockchain system 10 includes a deposit contract 100 as a smart contract. The deposit contract 100 includes a deposit processing unit 101, an operation side payment processing unit 102, a user side payment processing unit 103, and a forced withdrawal processing unit 104. Further, the deposit contract 100 stores the deposit information 120. The deposit contract 100 is deployed in the blockchain system 10 by, for example, the administrator of the server device 3.
　預け入れ処理部１０１は、ユーザ端末５に係る署名情報（ユーザ署名）が付された、指定額の価値交換媒体の預け入れの入力を受け付けて、デポジット情報１２０に記憶する。 The deposit processing unit 101 accepts the input of the deposit of the value exchange medium of the specified amount to which the signature information (user signature) related to the user terminal 5 is attached, and stores it in the deposit information 120.
　運営側決済処理部１０２は、サーバ装置３の管理者が管理するアカウント（運営アカウント）からの、後述する決済要求情報の入力を受け付け、決済要求情報に付帯する署名情報と、預け入れ処理部１０１により入力されたユーザ端末５に係る署名情報（ユーザ署名）とが一致する場合に、決済要求情報が示す額を、デポジットコントラクト１００からサーバ装置３に係るアカウント（運営アカウント）に移転する。 The operation side payment processing unit 102 accepts input of payment request information described later from an account (operation account) managed by the administrator of the server device 3, and uses the signature information attached to the payment request information and the deposit processing unit 101. When the input signature information (user signature) related to the user terminal 5 matches, the amount indicated by the payment request information is transferred from the deposit contract 100 to the account (operating account) related to the server device 3.
　ユーザ側決済処理部１０３は、ユーザ端末５に係るユーザが管理するアカウント（ユーザアカウント）からの、決済要求情報を含む後述するユーザ決済情報の入力を受け付け、ユーザ決済情報に付帯する署名情報とユーザ端末５に係る署名情報（ユーザ署名）とが一致する場合に、ユーザ決済情報が示す価値交換媒体の額を、デポジットコントラクト１００からサーバ装置３のアカウント（運営アカウント）に移転すると共に、デポジットコントラクト１００に預け入れられた価値交換媒体の額からユーザ決済情報が示す価値交換媒体の額を控除した額を、デポジットコントラクト１００からユーザ端末５のアカウント（ユーザアカウント）に移転する。 The user-side payment processing unit 103 accepts input of user payment information to be described later, including payment request information, from an account (user account) managed by the user related to the user terminal 5, and the signature information attached to the user payment information and the user. When the signature information (user signature) related to the terminal 5 matches, the amount of the value exchange medium indicated by the user payment information is transferred from the deposit contract 100 to the account (operating account) of the server device 3 and the deposit contract 100. The amount obtained by subtracting the amount of the value exchange medium indicated by the user payment information from the amount of the value exchange medium deposited in the deposit contract 100 is transferred from the deposit contract 100 to the account (user account) of the user terminal 5.
　強制引き出し処理部１０４は、ユーザ端末５のアカウント（ユーザアカウント）からの、少なくとも運営側決済処理部１０２に入力された決済要求情報が示す額を超える価値交換媒体の引き出しを要求する情報である強制引き出し要求情報の入力を受け付けた場合であって、入力された強制引き出し要求情報に付帯する署名情報がユーザ端末５に係る署名情報（ユーザ署名）に一致する場合に、強制引き出し要求情報が示す価値交換媒体の額を、デポジットコントラクト１００からユーザ端末５に係るアカウント（ユーザアカウント）に移転する。 The forced withdrawal processing unit 104 is information for requesting withdrawal of a value exchange medium from the account (user account) of the user terminal 5 at least exceeding the amount indicated by the payment request information input to the operation side payment processing unit 102. The value indicated by the forced withdrawal request information when the input of the withdrawal request information is accepted and the signature information attached to the input forced withdrawal request information matches the signature information (user signature) related to the user terminal 5. The amount of the exchange medium is transferred from the deposit contract 100 to the account (user account) related to the user terminal 5.
　より具体的には、強制引き出し処理部１０４は、強制引き出し要求情報に付帯する署名情報がユーザ署名に一致する場合に、所定時間、サーバ装置３に係るアカウント（運営アカウント）からの決済要求情報の入力を受け付け、決済要求情報が所定時間入力されなかった場合に、強制引き出し要求情報が示す価値交換媒体の額を、ユーザ端末５に係るアカウント（ユーザアカウント）に設定する。 More specifically, when the signature information attached to the forced withdrawal request information matches the user signature, the forced withdrawal processing unit 104 receives the payment request information from the account (operating account) related to the server device 3 for a predetermined time. When the input is accepted and the payment request information is not input for a predetermined time, the amount of the value exchange medium indicated by the forced withdrawal request information is set in the account (user account) related to the user terminal 5.
　次に、図３は、デポジット情報１２０のデータ構造の一例を示す図である。デポジット情報１２０は、デポジットコントラクト１００に預け入れられている各アカウントの預入額（価値交換媒体）の情報であり、各ユーザ端末５に係るユーザのアカウント１２１（ユーザアカウント）、及び、そのアカウント１２１が預けているＥＴＨの額であるデポジット金額１２２の各情報を有する。 Next, FIG. 3 is a diagram showing an example of the data structure of the deposit information 120. The deposit information 120 is information on the deposit amount (value exchange medium) of each account deposited in the deposit contract 100, and is deposited by the user's account 121 (user account) related to each user terminal 5 and the account 121. It has each information of the deposit amount 122 which is the amount of ETH.
［ユーザ端末］
　図４は、ユーザ端末５が備える機能の一例を示す図である。同図に示すように、ユーザ端末５は、決済要求情報送信処理部５１、及び決済要求情報受信処理部５２を備える。 [User terminal]
FIG. 4 is a diagram showing an example of a function provided in the user terminal 5. As shown in the figure, the user terminal 5 includes a payment request information transmission processing unit 51 and a payment request information reception processing unit 52.
　決済要求情報送信処理部５１は、所定の取引に基づく、デポジットコントラクト１００に預け入れた価値交換媒体を利用した決済を要求する情報である決済要求情報を１又は複数、サーバ装置３に送信する。決済要求情報には、ユーザ端末５に係るアカウントの署名情報が付帯している。 The settlement request information transmission processing unit 51 transmits one or a plurality of settlement request information, which is information requesting settlement using the value exchange medium deposited in the deposit contract 100, to the server device 3 based on a predetermined transaction. The payment request information is accompanied by the signature information of the account related to the user terminal 5.
　決済要求情報受信処理部５２は、決済要求情報送信処理部５１が先にサーバ装置３に送信した決済要求情報の全部又は一部を、サーバ装置３から受信する。 The payment request information reception processing unit 52 receives all or part of the payment request information previously transmitted by the payment request information transmission processing unit 51 to the server device 3 from the server device 3.
［サーバ装置］
　図５は、サーバ装置３が備える機能の一例を示す図である。サーバ装置３は、決済要求情報受信処理部３１、及び決済要求情報送信処理部３２を備える。 [Server device]
FIG. 5 is a diagram showing an example of the functions included in the server device 3. The server device 3 includes a payment request information reception processing unit 31 and a payment request information transmission processing unit 32.
　決済要求情報受信処理部３１は、ユーザ端末５から、決済要求情報を１又は複数受信し、受信した決済要求情報を記憶し蓄積する。 The payment request information reception processing unit 31 receives one or more payment request information from the user terminal 5, and stores and stores the received payment request information.
　決済要求情報送信処理部３２は、決済要求情報受信処理部３１が受信した決済要求情報の全部又は一部を、ユーザ端末５に送信（返信）する。 The payment request information transmission processing unit 32 transmits (replies) all or part of the payment request information received by the payment request information reception processing unit 31 to the user terminal 5.
　ここで、図６は、サーバ装置３及びユーザ端末５が備えるハードウェアの一例を示す図である。サーバ装置３及びユーザ端末５は、ＣＰＵ（Central Processing Unit）などの処理装置１１と、ＲＡＭ（Random Access Memory）、ＲＯＭ（Read Only Memory）等の主記憶装置１２と、ＨＤＤ（Hard Disk Drive）、ＳＳＤ（Solid State Drive）等の補助記憶装置１３と、キーボード、マウス、タッチパネルなどからなる入力装置１４と、モニタ（ディスプレイ）等からなる出力装置１５と、他の情報処理装置と通信を行う通信装置１６とを備える情報処理装置である。サーバ装置３及びユーザ端末５の処理装置１１が、主記憶装置１２や補助記憶装置１３に記憶されているスマートコントラクト又はプログラムを実行することによって、各スマートコントラクト又はプログラムの処理内容が実現される。これらのスマートコントラクト又はプログラムは、例えば、二次記憶デバイスや不揮発性半導体メモリ、ハードディスクドライブ、ＳＳＤなどの記憶デバイス、又は、ＩＣカード、ＳＤカード、ＤＶＤなどの、各ノードで読み取り可能な非一時的データ記憶媒体に格納されてもよい。
　次に、決済支援システム１において行われる処理を説明する。 Here, FIG. 6 is a diagram showing an example of hardware included in the server device 3 and the user terminal 5. The server device 3 and the user terminal 5 include a processing device 11 such as a CPU (Central Processing Unit), a main storage device 12 such as a RAM (Random Access Memory) and a ROM (Read Only Memory), and an HDD (Hard Disk Drive). An auxiliary storage device 13 such as an SSD (Solid State Drive), an input device 14 consisting of a keyboard, mouse, touch panel, etc., an output device 15 consisting of a monitor (display), etc., and a communication device that communicates with other information processing devices. It is an information processing device provided with 16. When the processing device 11 of the server device 3 and the user terminal 5 executes the smart contract or program stored in the main storage device 12 or the auxiliary storage device 13, the processing content of each smart contract or program is realized. These smart contracts or programs are non-temporary readable by each node, for example, secondary storage devices, non-volatile semiconductor memories, hard disk drives, storage devices such as SSDs, or IC cards, SD cards, DVDs, etc. It may be stored in a data storage medium.
Next, the processing performed in the payment support system 1 will be described.
＜処理の概要＞
　図７は、決済支援システム１において行われる処理の概要を説明する図である。まず、デポジットコントラクト１００は、あるユーザ端末５のユーザアカウント５０からデポジットコントラクト１００への、指定額のＥＴＨの預け入れを実行する（預け入れ処理ｓ１）。 <Outline of processing>
FIG. 7 is a diagram illustrating an outline of processing performed in the payment support system 1. First, the deposit contract 100 executes deposit of a specified amount of ETH from the user account 50 of a certain user terminal 5 to the deposit contract 100 (deposit process s1).
　ここで、ユーザ端末５に係るユーザが、そのユーザアカウントを用いて、ブロックチェーンシステム１０上のアセット（ＮＦＴ（Non Fungible Token）等の財産情報）を運営者アカウント又はその他のアカウントから取得（購入）する。そして、このアセットの取得又は購入の対価としてＥＴＨの支払い（決済）が必要となるので、ユーザはデポジットコントラクト１００のＥＴＨを利用する。 Here, the user related to the user terminal 5 acquires (purchases) assets (property information such as NFT (NonFungibleToken)) on the blockchain system 10 from the operator account or other accounts using the user account. do. Then, since payment (settlement) of ETH is required as consideration for the acquisition or purchase of this asset, the user uses ETH of the deposit contract 100.
　この場合、ユーザ端末５は、預け入れ処理ｓ１によりデポジットコントラクト１００に預け入れたＥＴＨのうちアセットの購入分をその決済に用いるべく、ユーザの署名データが付帯した決済要求情報をサーバ装置３に送信する（決済要求情報送信処理ｓ２）。なお、ユーザが、アセットを複数回取得した場合は、決済要求情報送信処理ｓ２もこれに応じて複数回実行される。 In this case, the user terminal 5 transmits the payment request information accompanied by the user's signature data to the server device 3 so that the purchased portion of the ETH deposited in the deposit contract 100 by the deposit process s1 can be used for the payment. Settlement request information transmission process s2). When the user acquires the asset a plurality of times, the settlement request information transmission process s2 is also executed a plurality of times accordingly.
　他方、デポジットコントラクト１００は、運営アカウント３０からの決済要求情報（ユーザ署名が付帯している）の入力を受け付けており、この決済要求情報が入力されると、決済要求情報に付帯しているユーザの署名データを検証した上で、デポジットコントラクト１００に預け入れられたユーザのＥＴＨのうちアセットの購入分のＥＴＨを、運営アカウント３０に移転する（運営側決済処理ｓ３）。 On the other hand, the deposit contract 100 accepts the input of payment request information (with a user signature) from the operating account 30, and when this payment request information is input, the user attached to the payment request information. After verifying the signature data of, the ETH of the purchase of the asset among the ETH of the user deposited in the deposit contract 100 is transferred to the operation account 30 (operation side settlement process s3).
　次に、以上のような運営アカウント３０による決済が実行されない場合は、ユーザは、決済を自発的に実行することができる。 Next, if the payment by the operating account 30 as described above is not executed, the user can voluntarily execute the payment.
　すなわち、ユーザ端末５は、サーバ装置３に対して送信済みでありサーバ装置３が記憶している決済要求情報の全部又は一部を、サーバ装置３から受信する（決済要求情報受信処理ｓ４）。 That is, the user terminal 5 receives all or part of the payment request information that has been transmitted to the server device 3 and is stored in the server device 3 from the server device 3 (payment request information reception process s4).
　デポジットコントラクト１００は、ユーザアカウント５０からの、決済要求情報受信処理ｓ４でユーザ端末５が受信した決済要求情報に対応づけられた情報であるユーザ決済情報の入力を受け付けており、このユーザ要求情報が入力されると、ユーザ決済情報に付帯しているユーザの署名データを検証した上で、デポジットコントラクト１００に預け入れられたユーザのＥＴＨのうちアセット購入分のＥＴＨを、運営アカウント３０に移転すると共に、デポジットコントラクト１００のＥＴＨの残額を、ユーザアカウント５０に払い戻す（ユーザ側決済処理ｓ５）。 The deposit contract 100 accepts input of user payment information from the user account 50, which is information associated with the payment request information received by the user terminal 5 in the payment request information receiving process s4, and the user request information is received. When input, after verifying the user's signature data attached to the user payment information, the ETH of the user's ETH deposited in the deposit contract 100 for the asset purchase is transferred to the operating account 30 and at the same time. The balance of ETH of the deposit contract 100 is refunded to the user account 50 (user side payment process s5).
　運営アカウント３０による決済が実行されない場合、別のケースとして、ユーザは、デポジットコントラクト１００に預けたＥＴＨを、アセットの購入に係る決済分を考慮せず強制的に引き出すこともできる。 If the payment by the operating account 30 is not executed, as another case, the user can forcibly withdraw the ETH deposited in the deposit contract 100 without considering the payment amount related to the purchase of the asset.
　すなわち、デポジットコントラクト１００は、ユーザアカウント５０からの強制引き出し要求情報の入力を受け付けており、この強制引き出し要求情報が入力されると、強制引き出し要求情報に付帯するユーザの署名データを検証した上で、デポジットコントラクト１００に預け入れられているＥＴＨの全額を、デポジットコントラクト１００からユーザアカウント５０に引き出す。 That is, the deposit contract 100 accepts the input of the forced withdrawal request information from the user account 50, and when the forced withdrawal request information is input, the deposit contract 100 verifies the user's signature data accompanying the forced withdrawal request information. , Withdraw the entire amount of ETH deposited in the deposit contract 100 from the deposit contract 100 to the user account 50.
　ただしこの場合、デポジットコントラクト１００は、強制引き出し要求情報が入力されてから引き出しを行うまでの間、所定時間待機し、運営アカウント５０からの決済要求情報の入力も受け付ける（ユーザ側強制引き出し処理ｓ６）。この所定時間、決済要求情報の入力がない場合は、上記のユーザアカウント５０への引き出しのみが行われる。
　以下、これらの処理を具体的に説明する。 However, in this case, the deposit contract 100 waits for a predetermined time from the input of the forced withdrawal request information to the withdrawal, and also accepts the input of the payment request information from the operating account 50 (user-side forced withdrawal process s6). .. If the payment request information is not input for this predetermined time, only the above-mentioned withdrawal to the user account 50 is performed.
Hereinafter, these processes will be specifically described.
＜預け入れ処理＞
　図８は、預け入れ処理ｓ１の一例を説明するフロー図である。まず、デポジットコントラクト１００の預け入れ処理部１０１は、ユーザアカウントからの、預け入れ要求の入力を待機している（ｓ１１）。 <Deposit processing>
FIG. 8 is a flow chart illustrating an example of the deposit process s1. First, the deposit processing unit 101 of the deposit contract 100 is waiting for input of a deposit request from the user account (s11).
（預け入れ要求）
　図９は、預け入れ要求３００のデータ構成の一例を示す図である。預け入れ要求３００は、預け入れ元のユーザのアカウント３０１、預け入れの要求額であるデポジット金額３０２、及び、預け入れ元であるユーザのユーザ署名情報３０３（例えば、ユーザの暗号鍵から生成される情報）の各情報を有する。 (Deposit request)
FIG. 9 is a diagram showing an example of the data structure of the deposit request 300. The deposit request 300 includes the account 301 of the depositing user, the deposit amount 302 which is the deposit request amount, and the user signature information 303 of the depositing user (for example, information generated from the user's encryption key). Have information.
　そして、図８に示すように、預け入れ処理部１０１は、預け入れ要求３００が入力された場合には（ｓ１１：入力）、署名の検証を行う（ｓ１２）。具体的には、預け入れ処理部１０１は、預け入れ要求３００のユーザ署名情報３０３が、デポジットコントラクト１００の登録ユーザの署名であるか否かを検証する。 Then, as shown in FIG. 8, the deposit processing unit 101 verifies the signature when the deposit request 300 is input (s11: input) (s12). Specifically, the deposit processing unit 101 verifies whether or not the user signature information 303 of the deposit request 300 is the signature of the registered user of the deposit contract 100.
　署名の検証に失敗した場合には（ｓ１２：ＮＯ）、預け入れ処理ｓ１は終了し、署名の検証に成功した場合には（ｓ１２：ＹＥＳ）、預け入れ処理部１０１は、預け入れ要求３００の内容をデポジット情報１２０に登録し（ｓ１３）、預け入れ処理ｓ１は終了する。 If the signature verification fails (s12: NO), the deposit process s1 ends, and if the signature verification succeeds (s12: YES), the deposit processing unit 101 deposits the contents of the deposit request 300. It is registered in the information 120 (s13), and the deposit process s1 is completed.
　具体的には、預け入れ処理部１０１は、預け入れ要求３００のアカウント３０１をデポジット情報１２０のアカウント１２１に設定し、預け入れ要求３００のデポジット金額３０２（例えば、「１００ＥＴＨ」）をデポジット情報１２０のデポジット金額１２２に設定する。 Specifically, the deposit processing unit 101 sets the account 301 of the deposit request 300 as the account 121 of the deposit information 120, and sets the deposit amount 302 (for example, "100 ETH") of the deposit request 300 to the deposit amount 122 of the deposit information 120. Set to.
＜決済要求情報送信処理＞
　次に、図１０は、決済要求情報送信処理ｓ２の一例を説明するフロー図である。決済要求情報送信処理ｓ２は、預け入れ処理ｓ１の実行終了後に実行される。 <Payment request information transmission processing>
Next, FIG. 10 is a flow chart illustrating an example of the settlement request information transmission process s2. The settlement request information transmission process s2 is executed after the execution of the deposit process s1 is completed.
　まず、ユーザ端末５の決済要求情報送信処理部５１は、預け入れ処理ｓ１により預けたＥＴＨの一部又は全額（以下、決済金額という）の入力を受け付ける（ｓ２１）。 First, the payment request information transmission processing unit 51 of the user terminal 5 accepts the input of a part or all of the ETH deposited by the deposit processing s1 (hereinafter referred to as the payment amount) (s21).
　例えば、ユーザ端末５は、所定の画面を表示してユーザから決済金額（例えば、１００ＥＴＨのうち１０ＥＴＨ）の入力を受け付けてもよいし、他の情報処理装置から、決済金額の情報を受信してもよい。 For example, the user terminal 5 may display a predetermined screen and accept input of a payment amount (for example, 10 ETH out of 100 ETH) from the user, or receive information on the payment amount from another information processing device. May be good.
　決済要求情報送信処理部５１は、決済金額が入力されると（ｓ２１：入力）、入力された決済金額に係る決済要求情報を、サーバ装置３に送信する（ｓ２２）。 When the payment amount is input (s21: input), the payment request information transmission processing unit 51 transmits the payment request information related to the input payment amount to the server device 3 (s22).
　図１１は、決済要求情報３２０の一例を示す図である。決済要求情報３２０は、ユーザのアカウント３２１、決済金額３２２、及びユーザ署名情報３２３を含む。 FIG. 11 is a diagram showing an example of payment request information 320. The payment request information 320 includes the user's account 321 and the payment amount 322, and the user signature information 323.
　そして、図１０に示すように、サーバ装置３の決済要求情報受信処理部３１は、決済要求情報３２０を受信し、受信した決済要求情報３２０を記憶し（ｓ２３）、決済要求情報送信処理ｓ２は終了する。例えば、サーバ装置３は、決済要求情報３２０を３回受信することで、それぞれユーザ署名が付帯した合計３０ＥＴＨの決済額を記憶する。 Then, as shown in FIG. 10, the payment request information reception processing unit 31 of the server device 3 receives the payment request information 320, stores the received payment request information 320 (s23), and the payment request information transmission processing s2 finish. For example, the server device 3 receives the payment request information 320 three times, and stores a total payment amount of 30 ETH with a user signature.
＜運営側決済処理＞
　図１２は、運営側決済処理ｓ３の一例を説明するフロー図である。運営側精算処理ｓ３は、例えば、決済要求情報送信処理ｓ２によりサーバ装置３が決済要求情報３２０を記憶した後に開始される。 <Settlement processing on the management side>
FIG. 12 is a flow chart illustrating an example of the operation side settlement process s3. The management-side settlement process s3 is started, for example, after the server device 3 stores the settlement request information 320 by the settlement request information transmission process s2.
　デポジットコントラクト１００の運営側決済処理部１０２は、運営アカウントからの、決済要求情報３２０の入力を受け付ける（ｓ３１）。 The management side payment processing unit 102 of the deposit contract 100 accepts the input of the payment request information 320 from the management account (s31).
　例えば、サーバ装置３が、現在記憶している決済要求情報３２０を一覧表示し、運営者から、今回決済対象とする１又は複数の決済要求情報３２０の選択を受け付ける。他方、デポジットコントラクト１００の運営側決済処理部１０２は、サーバ装置３が管理する運営アカウントからの、上記選択された決済要求情報３２０の入力を受け付ける。 For example, the server device 3 displays a list of the payment request information 320 currently stored, and accepts the selection of one or a plurality of payment request information 320 to be settled this time from the operator. On the other hand, the operation side payment processing unit 102 of the deposit contract 100 accepts the input of the above-selected payment request information 320 from the operation account managed by the server device 3.
　もしくは、例えば、サーバ装置３が、決済要求情報送信処理ｓ２によりユーザ端末５から決済要求情報３２０を受信したら自動的に又は受信してから所定時間後に、決済要求情報３２０をデポジットコントラクト１００に入力するようにしてもよい。 Alternatively, for example, when the server device 3 receives the payment request information 320 from the user terminal 5 by the payment request information transmission process s2, the payment request information 320 is automatically input to the deposit contract 100 or after a predetermined time after receiving the payment request information 320. You may do so.
　決済要求情報３２０の入力があると（ｓ３１：入力）、運営側決済処理部１０２は、決済要求情報３２０の署名の検証を行う（ｓ３２）。具体的には、運営側決済処理部１０２は、各決済要求情報３２０のユーザ署名情報３２３が全てユーザの登録済み署名であるか否かを検証する。 When the payment request information 320 is input (s31: input), the management side payment processing unit 102 verifies the signature of the payment request information 320 (s32). Specifically, the operation side payment processing unit 102 verifies whether or not all the user signature information 323 of each payment request information 320 is a registered signature of the user.
　決済要求情報３２０の署名の検証に失敗した場合には（ｓ３２：ＮＧ）、運営側決済処理ｓ３は終了し、決済要求情報３２０の署名の検証に成功した場合には（ｓ３２：ＯＫ）、運営側決済処理部１０２は、各決済要求情報３２０の決済金額３２２を、デポジットコントラクト１００からサーバ装置３のアカウント（運営アカウント）に移転する（ｓ３３）。 If the verification of the signature of the payment request information 320 fails (s32: NG), the operation side payment process s3 ends, and if the verification of the signature of the payment request information 320 succeeds (s32: OK), the operation is performed. The side payment processing unit 102 transfers the payment amount 322 of each payment request information 320 from the deposit contract 100 to the account (operating account) of the server device 3 (s33).
　具体的には、運営側決済処理部１０２は、デポジット情報１２０における、決済要求情報３２０のアカウント３２１に対応するアカウント１２１のデポジット金額１２２から、決済要求情報３２０の決済金額３２２を減じ、その減じた決済金額３２２を運営アカウントに設定する。これにより、運営側への決済が完了する。 Specifically, the management-side payment processing unit 102 subtracts the payment amount 322 of the payment request information 320 from the deposit amount 122 of the account 121 corresponding to the account 321 of the payment request information 320 in the deposit information 120, and reduces the deposit amount 122. Set the payment amount 322 in the operating account. This completes the payment to the management side.
＜ユーザ側決済処理＞
　次に、図１３は、ユーザ側決済処理ｓ４の一例を説明するフロー図である。この処理は、例えば、決済要求情報送信処理ｓ２が実行された後に実行される。 <User payment processing>
Next, FIG. 13 is a flow chart illustrating an example of the user-side payment process s4. This process is executed, for example, after the settlement request information transmission process s2 is executed.
　まず、ユーザ端末５の決済要求情報受信処理部５２は、決済要求情報送信処理ｓ２でサーバ装置３に送信した決済要求情報３２０が示す金額を自ら運営者の代わりに決済する旨の入力を受け付ける（ｓ４１）。 First, the payment request information reception processing unit 52 of the user terminal 5 accepts an input to settle the amount indicated by the payment request information 320 transmitted to the server device 3 in the payment request information transmission processing s2 on behalf of the operator ( s41).
　例えば、決済要求情報受信処理部５２は、所定の画面を表示し、ユーザから、決済要求情報送信処理ｓ２で過去にサーバ装置３に送信した決済要求情報３２０を特定する情報の入力を受け付ける。 For example, the payment request information receiving processing unit 52 displays a predetermined screen and accepts input from the user of information specifying the payment request information 320 previously transmitted to the server device 3 in the payment request information transmission processing s2.
　決済要求情報受信処理部５２は、ユーザからの情報の入力を受け付けると（ｓ４１：入力）、その精算に係る決済要求情報３２０の取得要求をサーバ装置３に送信する（ｓ４２）。なお、ユーザ決済情報取得要求には、ｓ４１で入力された決済要求情報３２０を特定する情報が付帯する。 When the payment request information reception processing unit 52 receives the input of information from the user (s41: input), the payment request information reception processing unit 52 transmits a request for acquisition of the payment request information 320 related to the settlement to the server device 3 (s42). The user payment information acquisition request is accompanied by information specifying the payment request information 320 input in s41.
　なお、決済要求情報受信処理部５２は、決済要求情報３２０をサーバ装置３に送信してから所定時間後に、決済要求情報３２０の取得要求を自動的にサーバ装置３に送信するようにしてもよい。 The payment request information receiving processing unit 52 may automatically transmit the acquisition request of the payment request information 320 to the server device 3 after a predetermined time has passed since the payment request information 320 was transmitted to the server device 3. ..
　サーバ装置３は、ユーザ端末５から取得要求を受信すると、当該サーバ装置３が記憶している決済要求情報３２０のうち、取得要求が示す決済要求情報３２０をユーザ端末５に送信する（ｓ４３）。 When the server device 3 receives the acquisition request from the user terminal 5, the server device 3 transmits the payment request information 320 indicated by the acquisition request to the user terminal 5 among the payment request information 320 stored in the server device 3 (s43).
　そして、デポジットコントラクト１００のユーザ側決済処理部１０３は、ユーザアカウントからの、ユーザ端末５がｓ４３で受信した決済要求情報３２０に関するユーザ決済情報３６０の入力を受け付ける（ｓ４４：受付）。 Then, the user-side payment processing unit 103 of the deposit contract 100 accepts the input of the user payment information 360 regarding the payment request information 320 received by the user terminal 5 in s43 from the user account (s44: reception).
　図１４は、ユーザ決済情報の一例を示す図である。ユーザ決済情報３６０は、ｓ４３で受信された１又は複数の決済要求情報３２０が集合した情報であり、ユーザのアカウント３６１、決済金額３６２、及びユーザ署名情報３６３の各情報を含む。 FIG. 14 is a diagram showing an example of user payment information. The user payment information 360 is information obtained by collecting one or more payment request information 320 received in s43, and includes each information of the user account 361, the payment amount 362, and the user signature information 363.
　ユーザ決済情報３６０の入力があると（ｓ４４：入力）、ユーザ側決済処理部１０３は、ユーザ決済情報３６０の署名の検証を行う（ｓ４５）。例えば、ユーザ側決済処理部１０３は、ユーザ決済情報３６０のユーザ署名情報３６３がユーザの登録済み署名であるか否かを検証する。なお、この際、ユーザ側決済処理部１０３は、ユーザ決済情報３６０に付帯する所定の情報又はデポジットコントラクト１００に記憶されている所定の情報を参照することで、ユーザ決済情報３６０における各決済要求情報３２０がサーバ装置３に送信されたものであるか（運営アカウントに対して決済を要求したことがあるか）を確認するようにしてもよい。 When the user payment information 360 is input (s44: input), the user-side payment processing unit 103 verifies the signature of the user payment information 360 (s45). For example, the user-side payment processing unit 103 verifies whether or not the user signature information 363 of the user payment information 360 is a registered signature of the user. At this time, the user-side payment processing unit 103 refers to the predetermined information incidental to the user payment information 360 or the predetermined information stored in the deposit contract 100, so that each payment request information in the user payment information 360 can be obtained. It may be confirmed whether the 320 is transmitted to the server device 3 (whether the operation account has been requested to settle).
　ユーザ決済情報３６０の署名の検証に失敗した場合には（ｓ４５：ＮＧ）、ユーザ側決済処理ｓ４は終了し、ユーザ決済情報３６０の署名の検証に成功した場合には（ｓ４５：ＯＫ）、ユーザ側決済処理部１０３は、ユーザ決済情報３６０が示す決済を運営アカウントに対して行うと共に、デポジットコントラクト１００からユーザアカウントへのＥＴＨの引き出しを行う。 If the verification of the signature of the user payment information 360 fails (s45: NG), the user-side payment process s4 ends, and if the verification of the signature of the user payment information 360 succeeds (s45: OK), the user The side payment processing unit 103 performs the payment indicated by the user payment information 360 to the operating account, and withdraws ETH from the deposit contract 100 to the user account.
　具体的には、ユーザ側決済処理部１０３は、デポジット情報１２０における、ユーザ決済情報３６０のアカウント３６１に対応するアカウント１２１のデポジット金額１２２から、ユーザ決済情報３６０の決済金額３６２を減じ（１００－３０＝７０ＥＴＨ）、減じた決済金額３６２（３０ＥＴＨ）は、運営アカウントに移転する。また、ユーザ側決済処理部１０３は、デポジット情報１２０におけるデポジット金額１２２の残額（７０ＥＴＨ）をユーザアカウントに設定し、デポジット金額１２２はゼロに設定する。これにより、運営側への決済及びユーザへの引き出し（払い戻し）が完了する。 Specifically, the user-side payment processing unit 103 subtracts the payment amount 362 of the user payment information 360 from the deposit amount 122 of the account 121 corresponding to the account 361 of the user payment information 360 in the deposit information 120 (100-30). = 70 ETH), the reduced settlement amount 362 (30 ETH) will be transferred to the operating account. Further, the user-side payment processing unit 103 sets the balance (70 ETH) of the deposit amount 122 in the deposit information 120 in the user account, and sets the deposit amount 122 to zero. As a result, payment to the management side and withdrawal (refund) to the user are completed.
＜強制引き出し処理＞
　図１５は、強制引き出し処理ｓ５の一例を説明するフロー図である。この処理は、例えば、決済要求情報送信処理ｓ２の実行終了後、運営側決済処理ｓ３の未実行時に実行される。 <Forced withdrawal processing>
FIG. 15 is a flow chart illustrating an example of the forced withdrawal process s5. This process is executed, for example, after the execution of the settlement request information transmission process s2 is completed and when the management side settlement process s3 is not executed.
　まず、デポジットコントラクト１００の強制引き出し処理部１０４は、ユーザアカウントからの、強制引き出し要求情報の入力を受け付けている（ｓ５２）。 First, the forced withdrawal processing unit 104 of the deposit contract 100 accepts the input of the forced withdrawal request information from the user account (s52).
　例えば、ユーザ端末５は、預け入れ処理ｓ１で預け入れたＥＴＨ（例えば、デポジット情報１２０のデポジット金額１２２）を示した画面を表示し、決済要求情報送信処理ｓ２でサーバ装置３に送信した決済金額に関係なく全額（例えば、１００ＥＴＨ）引き出すか否かの確認の入力を受け付ける（ｓ５１）。そして、ユーザ端末５は、確認の入力がなされた場合に、強制引き出し要求情報を生成し、デポジットコントラクト１００に入力する。 For example, the user terminal 5 displays a screen showing the ETH deposited in the deposit process s1 (for example, the deposit amount 122 of the deposit information 120), and is related to the payment amount transmitted to the server device 3 in the payment request information transmission process s2. It accepts the input of confirmation as to whether or not to withdraw the full amount (for example, 100 ETH) (s51). Then, when the confirmation is input, the user terminal 5 generates the forced withdrawal request information and inputs it to the deposit contract 100.
　もしくは、例えば、ユーザ端末５は、決済要求情報３２０をサーバ装置３に送信してから所定時間後に、強制引き出し要求情報を生成し、デポジットコントラクト１００に入力するようにしてもよい。 Alternatively, for example, the user terminal 5 may generate the forced withdrawal request information after a predetermined time after transmitting the payment request information 320 to the server device 3, and input the payment request information into the deposit contract 100.
　図１６は、強制引き出し要求情報３８０の一例を示す図である。強制引き出し要求情報３８０は、ユーザのアカウント３８１、及びユーザ署名情報３８２の各情報を有する。 FIG. 16 is a diagram showing an example of forced withdrawal request information 380. The forced withdrawal request information 380 has each information of the user account 381 and the user signature information 382.
　そして、図１５に示すように、強制引き出し処理部１０４は、強制引き出し要求情報３８０の入力があると（ｓ５２：入力）、強制引き出し要求情報３８０の署名の検証を行う（ｓ５３）。例えば、強制引き出し処理部１０４は、強制引き出し要求情報３８０のユーザ署名情報３８２がユーザの登録済み署名であるか否かを検証する。 Then, as shown in FIG. 15, when the forced withdrawal request information 380 is input (s52: input), the forced withdrawal processing unit 104 verifies the signature of the forced withdrawal request information 380 (s53). For example, the forced withdrawal processing unit 104 verifies whether or not the user signature information 382 of the forced withdrawal request information 380 is a registered signature of the user.
　なお、この際、強制引き出し処理部１０４は、強制引き出し要求情報３８０に付帯する所定の情報又はデポジットコントラクト１００に記憶されている所定の情報を参照することで、ユーザ端末５がサーバ装置３に事前に決済要求情報３２０を送信していたか（運営アカウントに対して決済を要求したことがあるか）を確認するようにしてもよい。 At this time, the forced withdrawal processing unit 104 refers to the predetermined information incidental to the forced withdrawal request information 380 or the predetermined information stored in the deposit contract 100, so that the user terminal 5 can advance the server device 3 to the server device 3. It may be confirmed whether the payment request information 320 has been sent to (whether the operation account has been requested to settle).
　強制引き出し要求情報３８０の署名の検証に失敗した場合には（ｓ５３：ＮＧ）、強制引き出し処理ｓ５は終了し、強制引き出し要求情報３８０の署名の検証に成功した場合には（ｓ５３：ＯＫ）、強制引き出し処理部１０４は、実際に強制引き出しを実行する前に所定時間（例えば、２４時間）、運営アカウントからの、決済要求の入力を受け付ける（ｓ５４、ｓ５５：ＮＯ）。具体的には、強制引き出し処理部１０４は所定時間、前述した運営側精算処理ｓ３による、運営アカウントからの決済要求情報３２０の入力を受け付ける。 If the verification of the signature of the forced withdrawal request information 380 fails (s53: NG), the forced withdrawal process s5 ends, and if the verification of the signature of the forced withdrawal request information 380 is successful (s53: OK), The forced withdrawal processing unit 104 accepts input of a payment request from the operating account for a predetermined time (for example, 24 hours) before actually executing the forced withdrawal (s54, s55: NO). Specifically, the forced withdrawal processing unit 104 accepts the input of the settlement request information 320 from the management account by the management side settlement processing s3 described above for a predetermined time.
　所定時間内に決済の入力がなされなかった場合は（ｓ５４：入力なし、ｓ５５：ＹＥＳ）、強制引き出し処理部１０４は、後述するｓ５８の処理を実行する。 If the settlement is not input within the predetermined time (s54: no input, s55: YES), the forced withdrawal processing unit 104 executes the process of s58 described later.
　所定時間内に決済の入力がなされた場合は（ｓ５４：入力あり）、強制引き出し処理部１０４は、強制引き出し要求情報３８０の署名の検証を行う（ｓ５６）。例えば、強制引き出し処理部１０４は、強制引き出し要求情報３８０のユーザ署名情報３８２がユーザの登録済み署名であるか否かを判定する。 If payment is input within a predetermined time (s54: input is available), the forced withdrawal processing unit 104 verifies the signature of the forced withdrawal request information 380 (s56). For example, the forced withdrawal processing unit 104 determines whether or not the user signature information 382 of the forced withdrawal request information 380 is a registered signature of the user.
　強制引き出し要求情報３８０の署名の検証に失敗した場合には（ｓ５６：ＮＧ）、強制引き出し処理ｓ５は終了し、強制引き出し要求情報３８０の署名の検証に成功した場合には（ｓ５６：ＯＫ）、強制引き出し処理部１０４は、決済要求情報３２０の示す額を、デポジットコントラクト１００から運営アカウントに移転する（ｓ５７）。 If the verification of the signature of the forced withdrawal request information 380 fails (s56: NG), the forced withdrawal process s5 ends, and if the verification of the signature of the forced withdrawal request information 380 is successful (s56: OK), The forced withdrawal processing unit 104 transfers the amount indicated by the settlement request information 320 from the deposit contract 100 to the operating account (s57).
　具体的には、強制引き出し処理部１０４は、デポジット情報１２０における、強制引き出し要求情報３８０のアカウント３８１に対応するアカウント１２１のデポジット金額１２２から、決済要求情報３２０の決済金額３２２を減じ、その減じた分の決済金額３２２を、運営アカウントに設定する。その後は、ｓ５８の処理が行われる。 Specifically, the forced withdrawal processing unit 104 subtracts the settlement amount 322 of the settlement request information 320 from the deposit amount 122 of the account 121 corresponding to the account 381 of the forced withdrawal request information 380 in the deposit information 120, and reduces the deposit amount 122. Set the settlement amount 322 for the minute in the operating account. After that, the processing of s58 is performed.
　ｓ５８において、強制引き出し処理部１０４は、デポジットコントラクト１００の全残額をユーザアカウントに引き出す（払い戻す）。 In s58, the forced withdrawal processing unit 104 withdraws (refunds) the entire balance of the deposit contract 100 to the user account.
　具体的には、強制引き出し処理部１０４は、デポジット情報１２０における、強制引き出し要求情報３８０のアカウント３８１に対応するアカウント１２１のデポジット金額１２２を、強制引き出し要求情報３８０のアカウント３８１（ユーザアカウント）に設定し、デポジット金額１２２はゼロに設定する。これにより、デポジットコントラクト１００における当該ユーザの預入額はゼロとなり、ユーザへの全額引き出しが実現される。 Specifically, the forced withdrawal processing unit 104 sets the deposit amount 122 of the account 121 corresponding to the account 381 of the forced withdrawal request information 380 in the deposit information 120 to the account 381 (user account) of the forced withdrawal request information 380. However, the deposit amount 122 is set to zero. As a result, the deposit amount of the user in the deposit contract 100 becomes zero, and the full withdrawal to the user is realized.
　以上説明したように、本実施形態の決済支援システム１は、スマートコントラクト（デポジットコントラクト１００）が、ユーザ署名が付された預け入れ要求３００を受け付け、サーバ装置３が、署名情報が付帯した決済要求情報３２０をユーザ端末５から受信し、スマートコントラクトが、入力された当該決済要求情報３２０に付帯する署名情報がユーザ署名である場合に、決済要求情報３２０が示す額を、運営アカウントに設定する。 As described above, in the payment support system 1 of the present embodiment, the smart contract (deposit contract 100) accepts the deposit request 300 with the user signature, and the server device 3 receives the payment request information with the signature information. When the 320 is received from the user terminal 5 and the signature information attached to the input payment request information 320 is a user signature, the smart contract sets the amount indicated by the payment request information 320 in the operating account.
　このように、本実施形態の決済支援システム１は、ユーザが自身の署名をサーバ装置３に送信しておくだけで、自身がデポジットコントラクト１００に預けた価値交換媒体（ＥＴＨ）を利用した決済をサーバ装置側（運営側）に依頼することができる。 As described above, the payment support system 1 of the present embodiment only allows the user to send his / her signature to the server device 3, and makes payment using the value exchange medium (ETH) that he / she has deposited in the deposit contract 100. You can request it from the server device side (operation side).
　すなわち、ユーザは、デポジットコントラクト１００を自身で実行する必要が無いので、デポジットコントラクト１００の実行に必要な負担（例えば、ガス代の支払い、デポジットコントラクト１００のトランザクション処理の完了までの待機）を負うことなく、デポジットコントラクト１００を利用した決済を行うことができる。 That is, since the user does not have to execute the deposit contract 100 by himself / herself, he / she bears the burden necessary for executing the deposit contract 100 (for example, payment of gas fee, waiting until the transaction processing of the deposit contract 100 is completed). It is possible to make a payment using the deposit contract 100.
　このように、本実施形態の決済支援システム１によれば、ユーザの決済処理の負担を軽減し取引処理を円滑に行うことができる。 As described above, according to the payment support system 1 of the present embodiment, the burden of payment processing on the user can be reduced and transaction processing can be smoothly performed.
　なお、運営アカウント又はサーバ装置３側は、あくまでユーザの意思により付帯されたユーザの署名に基づいてデポジットコントラクト１００に係る決済を行い、運営側が主体的に取引の運営管理を行っていないので、このようなデポジットコントラクト１００を使用した決済支援はカストディ業務に該当しない。 It should be noted that the operating account or the server device 3 side makes payments related to the deposit contract 100 based on the user's signature attached by the user's intention, and the operating side does not independently manage the operation of the transaction. Payment support using such a deposit contract 100 does not fall under the custody business.
　以上に説明した実施形態の説明は、本発明の理解を容易にするためのものであり、本発明を限定するものではない。本発明はその趣旨を逸脱することなく、変更、改良され得ると共に本発明にはその等価物が含まれる。 The description of the embodiments described above is for facilitating the understanding of the present invention, and does not limit the present invention. The present invention can be modified and improved without departing from the spirit thereof, and the present invention includes its equivalents.
　例えば、ブロックチェーンシステム１０は、イーサリアムに限らず、スマートコントラクトを実装するブロックチェーンシステムであればよい。また、価値交換媒体もＥＴＨに限られず、その他の任意の種類の価値交換媒体であってよい。 For example, the blockchain system 10 is not limited to Ethereum, and may be any blockchain system that implements smart contracts. Further, the value exchange medium is not limited to ETH, and may be any other type of value exchange medium.
　また、本実施形態で説明した各プログラム及びスマートコントラクトは、複数の部分に分割してもよいし、複数のプログラム又はスマートコントラクトを一つのプログラム又はスマートコントラクトにそれぞれ統合してもよい。 Further, each program and smart contract described in this embodiment may be divided into a plurality of parts, or a plurality of programs or smart contracts may be integrated into one program or smart contract, respectively.
　また、ユーザ端末５のユーザ及びトランザクションの実行者は、ユーザ署名を共有可能の関係にあれば、同一でなくてもよい。 Further, the user of the user terminal 5 and the executor of the transaction do not have to be the same as long as the user signature can be shared.
　また、強制引き出し要求情報３８０に、強制引き出しを行う金額を含めてもよい。これにより、デポジットコントラクト１００の預入額の一部のみを強制的に引き出すことができる。 Further, the compulsory withdrawal request information 380 may include the amount of the compulsory withdrawal. As a result, only a part of the deposit amount of the deposit contract 100 can be forcibly withdrawn.
　以上の明細書の記載により少なくとも以下のことが明らかにされる。すなわち、本実施形態の決済支援システム１では、前記ユーザ端末が、前記サーバ装置から、前記決済要求情報を含む情報であるユーザ決済情報を受信する精算情報受信処理部を備え、前記スマートコントラクトが、前記ユーザ決済情報の入力を受け付け、前記入力されたユーザ決済情報に付帯する署名情報が前記ユーザ端末に係る署名情報に対応する場合に、前記ユーザ決済情報が示す価値交換媒体の額を、前記サーバ装置に係るアカウントに移転すると共に、前記預け入れられた価値交換媒体の額から前記ユーザ決済情報が示す価値交換媒体の額を差し引いた額を、前記ユーザ端末に係るアカウントに移転するユーザ側決済処理部を備える、としてもよい。 At least the following is clarified by the above description. That is, in the payment support system 1 of the present embodiment, the user terminal includes a settlement information reception processing unit that receives user payment information, which is information including the payment request information, from the server device, and the smart contract is a smart contract. When the input of the user payment information is accepted and the signature information attached to the input user payment information corresponds to the signature information related to the user terminal, the amount of the value exchange medium indicated by the user payment information is calculated by the server. The user-side payment processing unit that transfers to the account related to the device and transfers the amount obtained by subtracting the amount of the value exchange medium indicated by the user payment information from the amount of the deposited value exchange medium to the account related to the user terminal. May be provided.
　このように、ユーザ端末５がサーバ装置３にいったん送信した決済要求情報３２０を折り返し受信し、デポジットコントラクト１００が、入力された上記決済要求情報３２０に付帯する署名がユーザ署名に対応する場合に、その決済額を運営アカウントに移転すると共に、預け入れた残額をユーザアカウント５０に移転することで、運営側が決済を行わない場合に、ユーザ側が運営側に代わって積極的に決済処理を行うことができる。これにより、ユーザが望むタイミングで、迅速に決済を完了させることができる。 In this way, when the user terminal 5 receives the payment request information 320 once transmitted to the server device 3 in return, and the deposit contract 100 corresponds to the user signature in the signature attached to the input payment request information 320. By transferring the payment amount to the operating account and transferring the deposited balance to the user account 50, the user side can proactively perform the payment processing on behalf of the operating side when the operating side does not make the payment. .. As a result, the payment can be completed quickly at the timing desired by the user.
　また、本実施形態の決済支援システム１では、前記スマートコントラクトが、署名情報が付され、前記決済要求情報が示す額以上の価値交換媒体の引き出しを要求する強制引き出し要求情報の入力を受け付けた場合であって、前記入力された強制引き出し要求情報に付帯する署名情報が前記ユーザ端末に係る署名情報に対応する場合に、前記強制引き出し要求情報が示す価値交換媒体の額を、前記ユーザ端末に係るアカウントに設定する強制引き出し処理部を備える、としてもよい。 Further, in the payment support system 1 of the present embodiment, when the smart contract is attached with signature information and accepts input of forced withdrawal request information requesting withdrawal of a value exchange medium equal to or more than the amount indicated by the payment request information. When the signature information attached to the input forced withdrawal request information corresponds to the signature information related to the user terminal, the amount of the value exchange medium indicated by the forced withdrawal request information is related to the user terminal. It may be provided with a forced withdrawal processing unit set in the account.
　このように、デポジットコントラクト１００は、決済額を超える価値交換媒体（例えば預け入れ額の全額）の引き出しを要求する強制引き出し要求情報３８０が入力され、かつユーザ署名が正しい場合に、その要求額をユーザアカウントに設定する。これにより、運営側が例えば破産、破綻、所在不明等で取引不能となった場合であっても、ユーザ側は、デポジットコントラクト１００に預けたＥＴＨを確実に払い戻すことができる。 In this way, the deposit contract 100 uses the requested amount when the forced withdrawal request information 380 requesting the withdrawal of the value exchange medium (for example, the entire deposit amount) exceeding the settlement amount is input and the user signature is correct. Set in your account. As a result, even if the management side becomes inoperable due to bankruptcy, bankruptcy, unknown location, etc., the user side can surely refund the ETH deposited in the deposit contract 100.
　また、本実施形態の決済支援システム１では、前記強制引き出し処理部は、前記入力された強制引き出し要求情報に付帯する署名情報が前記ユーザ端末に係る署名情報に対応する場合に、所定時間、前記サーバ装置に係るアカウントからの、前記使用要求情報の入力を受け付け、前記所定時間、前記使用要求情報が入力されなかった場合にのみ、前記強制引き出し要求情報が示す価値交換媒体の額を、前記ユーザ端末に係るアカウントに設定する、としてもよい。 Further, in the payment support system 1 of the present embodiment, the forced withdrawal processing unit performs the forced withdrawal processing unit for a predetermined time when the signature information attached to the input forced withdrawal request information corresponds to the signature information related to the user terminal. Only when the input of the usage request information is accepted from the account related to the server device and the usage request information is not input for the predetermined time, the amount of the value exchange medium indicated by the forced withdrawal request information is set by the user. It may be set to the account related to the terminal.
　このように、強制引き出し要求に正しいユーザ署名が付帯しておりユーザ側による強制引き出しが可能となった場合であっても、運営側からの決済要求を所定時間受け付けておくことで、ユーザ側が不正にデポジットコントラクト１００からの引き出しを行うことを防ぐことができる。 In this way, even if the forced withdrawal request is accompanied by the correct user signature and the forced withdrawal is possible by the user side, the user side is fraudulent by accepting the payment request from the management side for a predetermined time. It is possible to prevent the withdrawal from the deposit contract 100.
　なお、本実施形態においては、互いに通信可能に接続された複数のユーザ端末及びサーバ装置を含んで構成され、前記複数のユーザ端末及び前記サーバ装置のそれぞれがスマートコントラクトを記憶している決済支援システムにおける決済支援方法であって、前記スマートコントラクトが、前記ユーザ端末に係る署名情報が付帯した、価値交換媒体の指定額の預け入れの入力を受け付けて記憶する預け入れ処理を実行し、前記サーバ装置が、所定の取引に基づく、前記預け入れた価値交換媒体を利用した決済を要求する情報である決済要求情報を１又は複数、前記ユーザ端末から受信する決済要求情報受信処理を実行し、前記スマートコントラクトが、前記サーバ装置が受信した決済要求情報の入力を受け付け、入力された決済要求情報に付帯する署名情報が前記ユーザ端末に係る署名情報に対応する場合に、前記決済要求情報が示す額を、前記スマートコントラクトから前記サーバ装置に係るアカウントに移転する運営側決済処理を実行する、決済支援方法、としてもよい、 In this embodiment, a payment support system is configured to include a plurality of user terminals and server devices that are communicably connected to each other, and each of the plurality of user terminals and the server device stores a smart contract. In the payment support method in the above, the smart contract executes a deposit process of accepting and storing a deposit input of a specified amount of a value exchange medium to which a signature information related to the user terminal is attached, and the server device performs a deposit process. One or more payment request information, which is information requesting payment using the deposited value exchange medium based on a predetermined transaction, is executed, and the payment request information reception process for receiving the payment request information from the user terminal is executed, and the smart contract When the input of the payment request information received by the server device is received and the signature information attached to the input payment request information corresponds to the signature information related to the user terminal, the amount indicated by the payment request information is set to the smart. It may be a payment support method that executes the management side payment process to transfer from the contract to the account related to the server device.
　なお、本実施形態においては、決済支援方法として、前記ユーザ端末が、前記サーバ装置に送信した前記決済要求情報を当該サーバ装置から受信する精算情報受信処理を実行し、前記スマートコントラクトが、前記ユーザ端末が受信した決済要求情報が示す決済を要求する情報であるユーザ決済情報の入力を受け付け、入力されたユーザ決済情報に付帯する署名情報が前記ユーザ端末に係る署名情報に対応する場合に、前記ユーザ決済情報が示す価値交換媒体の額を、前記スマートコントラクトから前記サーバ装置に係るアカウントに移転すると共に、前記預け入れられた価値交換媒体の額から前記ユーザ決済情報が示す価値交換媒体の額を控除した額を、前記スマートコントラクトから前記ユーザ端末に係るアカウントに移転するユーザ側決済処理を実行する、としてもよい。 In the present embodiment, as a payment support method, the user terminal executes a settlement information reception process for receiving the payment request information transmitted to the server device from the server device, and the smart contract is the user. When the input of the user payment information which is the information for requesting the payment indicated by the payment request information received by the terminal is accepted and the signature information attached to the input user payment information corresponds to the signature information related to the user terminal, the above The amount of the value exchange medium indicated by the user payment information is transferred from the smart contract to the account related to the server device, and the amount of the value exchange medium indicated by the user payment information is deducted from the amount of the deposited value exchange medium. The user-side payment process for transferring the amount of money from the smart contract to the account related to the user terminal may be executed.
　なお、本実施形態においては、決済支援方法として、前記ユーザ端末が、前記サーバ装置に送信した前記決済要求情報を当該サーバ装置から受信する決済要求情報受信処理部を備え、前記スマートコントラクトが、前記ユーザ端末が受信した前記決済要求情報が示す額を超える額の価値交換媒体の引き出しを要求する情報である強制引き出し要求情報の入力を受け付けた場合であって、入力された強制引き出し要求情報に付帯する署名情報が前記ユーザ端末に係る署名情報に対応する場合に、前記強制引き出し要求情報が示す価値交換媒体を、前記スマートコントラクトから前記ユーザ端末に係るアカウントに移転する強制引き出し処理を実行する、としてもよい。 In the present embodiment, as a payment support method, the user terminal includes a payment request information receiving processing unit that receives the payment request information transmitted to the server device from the server device, and the smart contract is described by the smart contract. When the input of the compulsory withdrawal request information, which is the information requesting the withdrawal of the value exchange medium in the amount exceeding the amount indicated by the payment request information received by the user terminal, is accepted, it is incidental to the input compulsory withdrawal request information. When the signature information to be used corresponds to the signature information related to the user terminal, the forced withdrawal process for transferring the value exchange medium indicated by the forced withdrawal request information from the smart contract to the account related to the user terminal is executed. May be good.
　なお、本実施形態においては、決済支援方法として、前記スマートコントラクトは、前記強制引き出し処理部において、前記入力された強制引き出し要求情報に付帯する署名情報が前記ユーザ端末に係る署名情報に対応する場合に、所定時間、前記サーバ装置に係るアカウントからの、前記決済要求情報の入力を受け付け、前記決済要求情報が前記所定時間入力されなかった場合に、前記強制引き出し要求情報が示す価値交換媒体の額を、前記スマートコントラクトから前記ユーザ端末に係るアカウントに移転する、としてもよい。 In the present embodiment, as a payment support method, in the forced withdrawal processing unit, the signature information attached to the input forced withdrawal request information corresponds to the signature information related to the user terminal. The amount of the value exchange medium indicated by the forced withdrawal request information when the input of the payment request information is received from the account related to the server device for a predetermined time and the payment request information is not input for the predetermined time. May be transferred from the smart contract to the account related to the user terminal.
１　決済支援システム、３　サーバ装置、５　ユーザ端末、２　通信ネットワーク、１００　デポジットコントラクト、１０　ブロックチェーンシステム、１０１　預け入れ処理部、１０２　運営側決済処理部、１０３　ユーザ側決済処理部、１０４　強制引き出し処理部、１２０　デポジット情報、１２１　アカウント、１２２　デポジット金額、３１　決済要求情報受信処理部、３２　決済要求情報送信処理部、５１　決済要求情報送信処理部、５２　決済要求情報受信処理部、１１　処理装置、１２　主記憶装置、１３　補助記憶装置、１４　入力装置、１５　出力装置、１６　通信装置、３０　ユーザアカウント、５０　運営アカウント、ｓ１　預け入れ処理、ｓ２　決済要求情報送信処理、ｓ３　運営側決済処理、ｓ４　ユーザ側決済処理、ｓ５　強制引き出し処理、ｓ６　精算処理、ｓ７　預け入れ状態設定処理、ｓ８　払い戻し処理、３０　運営アカウント、５０　ユーザアカウント、３００　預け入れ要求、３０１　アカウント、３０２　デポジット金額、３０３　ユーザ署名情報、３２０　決済要求情報、３２１　アカウント、３２２　決済金額、３２３　ユーザ署名情報、３６０　ユーザ決済情報、３６１　アカウント、３６２　決済金額、３６３　ユーザ署名情報、３８０　強制引き出し要求情報、３８１　アカウント、３８２　ユーザ署名情報
 
  1 Payment support system, 3 Server device, 5 User terminal, 2 Communication network, 100 Deposit contract, 10 Blockchain system, 101 Deposit processing unit, 102 Operation side payment processing unit, 103 User side payment processing unit, 104 Forced withdrawal processing unit , 120 deposit information, 121 account, 122 deposit amount, 31 payment request information reception processing unit, 32 payment request information transmission processing unit, 51 payment request information transmission processing unit, 52 payment request information reception processing unit, 11 processing device, 12 main Storage device, 13 auxiliary storage device, 14 input device, 15 output device, 16 communication device, 30 user account, 50 operation account, s1 deposit processing, s2 payment request information transmission processing, s3 operation side payment processing, s4 user side payment processing , S5 forced withdrawal processing, s6 settlement processing, s7 deposit status setting processing, s8 refund processing, 30 operating account, 50 user account, 300 deposit request, 301 account, 302 deposit amount, 303 user signature information, 320 payment request information, 321 Account, 322 payment amount, 323 user signature information, 360 user payment information, 361 account, 362 payment amount, 363 user signature information, 380 forced withdrawal request information, 381 account, 382 user signature information

Claims (8)

  1. 　互いに通信可能に接続された複数のユーザ端末及びサーバ装置を含んで構成され、前記複数のユーザ端末及び前記サーバ装置のそれぞれがスマートコントラクトを記憶している決済支援システムであって、
    　前記スマートコントラクトが、前記ユーザ端末に係る署名情報が付帯した、価値交換媒体の指定額の預け入れの入力を受け付けて記憶する預け入れ処理部を備え、
    　前記サーバ装置が、所定の取引に基づく、前記預け入れた価値交換媒体を利用した決済を要求する情報である決済要求情報を１又は複数、前記ユーザ端末から受信する決済要求情報受信処理部を備え、
    　前記スマートコントラクトが、前記サーバ装置が受信した決済要求情報の入力を受け付け、入力された決済要求情報に付帯する署名情報が前記ユーザ端末に係る署名情報に対応する場合に、前記決済要求情報が示す額を、前記スマートコントラクトから前記サーバ装置に係るアカウントに移転する運営側決済処理部を備える、
    　決済支援システム。     A payment support system that includes a plurality of user terminals and server devices that are communicably connected to each other, and each of the plurality of user terminals and the server device stores a smart contract.
    The smart contract is provided with a deposit processing unit that accepts and stores the input of the deposit of the specified amount of the value exchange medium to which the signature information related to the user terminal is attached.
    The server device includes a payment request information receiving processing unit that receives one or more payment request information, which is information requesting payment using the deposited value exchange medium, based on a predetermined transaction from the user terminal.
    When the smart contract accepts the input of the payment request information received by the server device and the signature information attached to the input payment request information corresponds to the signature information related to the user terminal, the payment request information indicates. A management-side payment processing unit that transfers the amount from the smart contract to the account related to the server device is provided.
    Payment support system.
  2. 　前記ユーザ端末が、前記サーバ装置に送信した前記決済要求情報を当該サーバ装置から受信する決済要求情報受信処理部を備え、
    　前記スマートコントラクトが、前記ユーザ端末が受信した決済要求情報が示す決済を要求する情報であるユーザ決済情報の入力を受け付け、入力されたユーザ決済情報に付帯する署名情報が前記ユーザ端末に係る署名情報に対応する場合に、前記ユーザ決済情報が示す価値交換媒体の額を、前記スマートコントラクトから前記サーバ装置に係るアカウントに移転すると共に、前記預け入れられた価値交換媒体の額から前記ユーザ決済情報が示す価値交換媒体の額を控除した額を、前記スマートコントラクトから前記ユーザ端末に係るアカウントに移転するユーザ側決済処理部を備える、
    　請求項１に記載の決済支援システム。     The user terminal includes a payment request information receiving processing unit that receives the payment request information transmitted to the server device from the server device.
    The smart contract accepts input of user payment information, which is information indicating payment requested by the payment request information received by the user terminal, and the signature information attached to the input user payment information is the signature information related to the user terminal. In the case of corresponding to, the amount of the value exchange medium indicated by the user payment information is transferred from the smart contract to the account related to the server device, and the user payment information indicates from the amount of the deposited value exchange medium. It is provided with a user-side payment processing unit that transfers the amount obtained by deducting the amount of the value exchange medium from the smart contract to the account related to the user terminal.
    The payment support system according to claim 1.
  3. 　前記ユーザ端末が、前記サーバ装置に送信した前記決済要求情報を当該サーバ装置から受信する決済要求情報受信処理部を備え、
    　前記スマートコントラクトが、前記ユーザ端末が受信した前記決済要求情報が示す額を超える額の価値交換媒体の引き出しを要求する情報である強制引き出し要求情報の入力を受け付けた場合であって、入力された強制引き出し要求情報に付帯する署名情報が前記ユーザ端末に係る署名情報に対応する場合に、前記強制引き出し要求情報が示す価値交換媒体を、前記スマートコントラクトから前記ユーザ端末に係るアカウントに移転する強制引き出し処理部を備える、
    　請求項１に記載の決済支援システム。     The user terminal includes a payment request information receiving processing unit that receives the payment request information transmitted to the server device from the server device.
    The smart contract is input when it accepts the input of the forced withdrawal request information which is the information requesting the withdrawal of the value exchange medium of the amount exceeding the amount indicated by the payment request information received by the user terminal. When the signature information attached to the forced withdrawal request information corresponds to the signature information related to the user terminal, the value exchange medium indicated by the forced withdrawal request information is transferred from the smart contract to the account related to the user terminal. Equipped with a processing unit
    The payment support system according to claim 1.
  4. 　前記スマートコントラクトは、前記強制引き出し処理部において、前記入力された強制引き出し要求情報に付帯する署名情報が前記ユーザ端末に係る署名情報に対応する場合に、所定時間、前記サーバ装置に係るアカウントからの、前記決済要求情報の入力を受け付け、前記決済要求情報が前記所定時間入力されなかった場合に、前記強制引き出し要求情報が示す価値交換媒体の額を、前記スマートコントラクトから前記ユーザ端末に係るアカウントに移転する、
    　請求項３に記載の決済支援システム。     In the smart contract, when the signature information attached to the input forced withdrawal request information corresponds to the signature information related to the user terminal in the forced withdrawal processing unit, the smart contract is from the account related to the server device for a predetermined time. , When the input of the payment request information is accepted and the payment request information is not input for the predetermined time, the amount of the value exchange medium indicated by the forced withdrawal request information is transferred from the smart contract to the account related to the user terminal. Relocate,
    The payment support system according to claim 3.
  5. 　互いに通信可能に接続された複数のユーザ端末及びサーバ装置を含んで構成され、前記複数のユーザ端末及び前記サーバ装置のそれぞれがスマートコントラクトを記憶している決済支援システムにおける決済支援方法であって、
    　前記スマートコントラクトが、前記ユーザ端末に係る署名情報が付帯した、価値交換媒体の指定額の預け入れの入力を受け付けて記憶する預け入れ処理を実行し、
    　前記サーバ装置が、所定の取引に基づく、前記預け入れた価値交換媒体を利用した決済を要求する情報である決済要求情報を１又は複数、前記ユーザ端末から受信する決済要求情報受信処理を実行し、
    　前記スマートコントラクトが、前記サーバ装置が受信した決済要求情報の入力を受け付け、入力された決済要求情報に付帯する署名情報が前記ユーザ端末に係る署名情報に対応する場合に、前記決済要求情報が示す額を、前記スマートコントラクトから前記サーバ装置に係るアカウントに移転する運営側決済処理を実行する、
    　決済支援方法。     It is a payment support method in a payment support system that includes a plurality of user terminals and server devices that are communicably connected to each other, and each of the plurality of user terminals and the server device stores a smart contract.
    The smart contract executes a deposit process of accepting and storing the input of the deposit of the specified amount of the value exchange medium with the signature information related to the user terminal.
    The server device executes a payment request information reception process for receiving one or more payment request information, which is information requesting payment using the deposited value exchange medium, based on a predetermined transaction from the user terminal.
    When the smart contract accepts the input of the payment request information received by the server device and the signature information attached to the input payment request information corresponds to the signature information related to the user terminal, the payment request information indicates. Execute the management side payment process to transfer the amount from the smart contract to the account related to the server device.
    Payment support method.
  6. 　前記ユーザ端末が、前記サーバ装置に送信した前記決済要求情報を当該サーバ装置から受信する精算情報受信処理を実行し、
    　前記スマートコントラクトが、前記ユーザ端末が受信した決済要求情報が示す決済を要求する情報であるユーザ決済情報の入力を受け付け、入力されたユーザ決済情報に付帯する署名情報が前記ユーザ端末に係る署名情報に対応する場合に、前記ユーザ決済情報が示す価値交換媒体の額を、前記スマートコントラクトから前記サーバ装置に係るアカウントに移転すると共に、前記預け入れられた価値交換媒体の額から前記ユーザ決済情報が示す価値交換媒体の額を控除した額を、前記スマートコントラクトから前記ユーザ端末に係るアカウントに移転するユーザ側決済処理を実行する、
    　請求項５に記載の決済支援方法。     The user terminal executes a settlement information receiving process for receiving the payment request information transmitted to the server device from the server device.
    The smart contract accepts input of user payment information, which is information indicating payment requested by the payment request information received by the user terminal, and the signature information attached to the input user payment information is the signature information related to the user terminal. In the case of corresponding to, the amount of the value exchange medium indicated by the user payment information is transferred from the smart contract to the account related to the server device, and the user payment information indicates from the amount of the deposited value exchange medium. Execute the user-side payment process to transfer the amount after deducting the amount of the value exchange medium from the smart contract to the account related to the user terminal.
    The settlement support method according to claim 5.
  7. 　前記ユーザ端末が、前記サーバ装置に送信した前記決済要求情報を当該サーバ装置から受信する決済要求情報受信処理部を備え、
    　前記スマートコントラクトが、前記ユーザ端末が受信した前記決済要求情報が示す額を超える額の価値交換媒体の引き出しを要求する情報である強制引き出し要求情報の入力を受け付けた場合であって、入力された強制引き出し要求情報に付帯する署名情報が前記ユーザ端末に係る署名情報に対応する場合に、前記強制引き出し要求情報が示す価値交換媒体を、前記スマートコントラクトから前記ユーザ端末に係るアカウントに移転する強制引き出し処理を実行する、
    　請求項５に記載の決済支援方法。     The user terminal includes a payment request information receiving processing unit that receives the payment request information transmitted to the server device from the server device.
    The smart contract is input when it accepts the input of the forced withdrawal request information which is the information requesting the withdrawal of the value exchange medium of the amount exceeding the amount indicated by the payment request information received by the user terminal. When the signature information attached to the forced withdrawal request information corresponds to the signature information related to the user terminal, the value exchange medium indicated by the forced withdrawal request information is transferred from the smart contract to the account related to the user terminal. Execute the process,
    The settlement support method according to claim 5.
  8. 　前記スマートコントラクトは、前記強制引き出し処理部において、前記入力された強制引き出し要求情報に付帯する署名情報が前記ユーザ端末に係る署名情報に対応する場合に、所定時間、前記サーバ装置に係るアカウントからの、前記決済要求情報の入力を受け付け、前記決済要求情報が前記所定時間入力されなかった場合に、前記強制引き出し要求情報が示す価値交換媒体の額を、前記スマートコントラクトから前記ユーザ端末に係るアカウントに移転する、
    　請求項７に記載の決済支援方法。
          In the smart contract, when the signature information attached to the input forced withdrawal request information corresponds to the signature information related to the user terminal in the forced withdrawal processing unit, the smart contract is from the account related to the server device for a predetermined time. , When the input of the payment request information is accepted and the payment request information is not input for the predetermined time, the amount of the value exchange medium indicated by the forced withdrawal request information is transferred from the smart contract to the account related to the user terminal. Relocate,
    The settlement support method according to claim 7.
PCT/JP2020/041921 2020-11-10 2020-11-10 Payment assistance system and payment assistance method WO2022101980A1 (en)

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Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2020047104A (en) * 2018-09-20 2020-03-26 日本電信電話株式会社 Settlement system, settlement method, user device, and settlement program
JP6710401B1 (en) * 2019-12-05 2020-06-17 ｂａｃｏｏｒ ｄＡｐｐｓ株式会社 Method and management server for managing object

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2020047104A (en) * 2018-09-20 2020-03-26 日本電信電話株式会社 Settlement system, settlement method, user device, and settlement program
JP6710401B1 (en) * 2019-12-05 2020-06-17 ｂａｃｏｏｒ ｄＡｐｐｓ株式会社 Method and management server for managing object

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