JP7506812B1 - Information processing device and information processing method - Google Patents

Abstract

[Problem] To facilitate the utilization of small amounts of crypto assets held by users. [Solution] An information processing device 1 according to one embodiment of the present invention has a reception unit 131 that receives transfers of crypto assets held by each of multiple users from that user, a determination unit 132 that determines whether the total amount of crypto assets transferred from the multiple users has reached a predetermined reference value, and an output unit 133 that outputs an exchange instruction to exchange the crypto assets transferred from the multiple users for exchange destination assets different from the crypto assets, and outputs a transfer instruction to transfer the exchange destination assets to a predetermined business operator, on condition that the determination unit determines that the total amount of crypto assets transferred from the multiple users has reached the reference value. [Selected Figure] Figure 2

Description

The present invention relates to an information processing device and an information processing method for processing information related to crypto assets.

Patent document 1 describes an invention in which a first crypto asset (digital currency, etc.) and a second crypto asset held by a user are exchanged for a third crypto asset at a predetermined conversion rate.

JP 2023-24889 A

Some cryptocurrencies require a minimum quantity to be exchanged for other cryptocurrencies. Even if a user holds a small amount of such cryptocurrencies, they cannot exchange them for goods or services or for other cryptocurrencies, which causes the small amount of cryptocurrencies to go to waste.

The present invention was made in consideration of these points, and aims to make it easier for users to utilize the small amounts of crypto assets they hold.

The information processing device of the first aspect of the present invention has a reception unit that receives transfers of crypto assets held by each of a plurality of users, a determination unit that determines whether the total amount of the crypto assets transferred from the plurality of users has reached a predetermined reference value, and an output unit that, on condition that the determination unit determines that the total amount of the crypto assets transferred from the plurality of users has reached the reference value, outputs an exchange instruction to exchange the crypto assets transferred from the plurality of users for a destination asset different from the crypto assets, and outputs a transfer instruction to transfer the destination asset to a predetermined business operator.

The reference value may be either an exchangeable amount, which is the minimum amount of the cryptocurrency that can be exchanged for the exchange target asset, or a transferable amount, which is the amount of the cryptocurrency that corresponds to the minimum amount of the exchange target asset that can be transferred to the business operator.

The determination unit determines whether the total amount of the crypto assets transferred from the multiple users reaches both an exchangeable amount, which is the minimum amount of the crypto assets that can be exchanged for the exchange destination asset, and a transferable amount, which is the amount of the crypto assets that corresponds to the minimum amount of the exchange destination asset that can be transferred to the business, and the output unit may output the exchange instruction on the condition that the determination unit determines that the total amount of the crypto assets transferred from the multiple users has reached the exchangeable amount, and then output the transfer instruction on the condition that the determination unit determines that the total amount of the crypto assets transferred from the multiple users has reached the transferable amount.

The reception unit may receive a designation of the type of the exchange target asset from the business operator, and the output unit may output the exchange instruction to exchange for the exchange target asset of the type designated by the business operator.

The reception unit may receive from the user a designation of an amount condition, which is a condition for the amount of the crypto asset for transferring the crypto asset, and the reception unit may accept the transfer of the crypto asset from the user on the condition that the amount of the crypto asset held by the user satisfies the amount condition.

The reception unit may receive from the user a designation of the type of cryptocurrency held by the user that is to be transferred, and the reception unit may accept from the user a transfer of the type of cryptocurrency designated by the user, on the condition that the amount of the type of cryptocurrency designated by the user satisfies the amount condition.

The reception unit may also receive from the user a transfer of the cryptocurrency remaining after the user exchanges the cryptocurrency held by the user for an asset different from the cryptocurrency.

The reception unit may receive from the user a request for the transfer of the cryptocurrency held by the user at a first point in time, the determination unit may determine whether the total amount of the cryptocurrency for which the reception unit has received a transfer request has reached the reference value, and the reception unit may accept from the user a transfer of the cryptocurrency for which the reception unit has received a transfer request, on condition that the determination unit has determined that the total amount has reached the reference value, at a second point in time that is later than the first point in time.

The output unit may transmit a notification to an information terminal used by the user, the notification including the exchange rate for the destination asset applied to the cryptocurrency whose transfer was accepted by the acceptance unit at the second time point, or the amount of the destination asset after being exchanged from the cryptocurrency whose transfer was accepted by the acceptance unit at the second time point.

The output unit may transmit a predetermined notification to an information terminal used by a user other than the plurality of users on condition that the determination unit determines that the total amount of the crypto assets transferred from the plurality of users does not reach the reference value.

The output unit may transmit the notification, including the shortfall in the cryptocurrency until the reference value is reached, to an information terminal used by the other user.

The output unit may output a grant instruction to grant a specified benefit to the other user on the condition that the transfer of the crypto asset is accepted from the other user in response to the notification.

The reception unit may receive the transfer of the crypto assets from the user and also receive information indicating the transfer destination business, which is the business to which the transfer is to be made, and the determination unit may determine, for each transfer destination business, whether the total amount of the crypto assets transferred from the multiple users has reached the reference value.

The information processing method of the second aspect of the present invention includes the steps of accepting transfers of crypto assets held by each of a plurality of users, executed by a processor; determining whether the total amount of the crypto assets transferred from the plurality of users has reached a predetermined reference value; and, on condition that it has been determined in the step of determining that the total amount of the crypto assets transferred from the plurality of users has reached the reference value, outputting an exchange instruction to exchange the crypto assets transferred from the plurality of users for exchange destination assets different from the crypto assets, and outputting a transfer instruction to transfer the exchange destination assets to a predetermined business operator.

The present invention has the effect of making it easier for users to utilize the small amounts of cryptocurrency they hold.

1 is a schematic diagram of an information processing system according to an embodiment. 1 is a block diagram of an information processing system according to an embodiment. 13 is a schematic diagram of a user terminal displaying a transfer condition designation screen for a user to designate transfer conditions. FIG. 1 is a schematic diagram for explaining a process in which an information processing device accepts a transfer of cryptocurrency from a user. FIG. 11 is a schematic diagram for explaining a process in which an information processing device provides assets to a business operator based on crypto assets transferred from a user. FIG. FIG. 1 is a flowchart illustrating an exemplary information processing method executed by an information processing device according to an embodiment. FIG. 13 is a schematic diagram for explaining a process in which an information processing device according to a modified example accepts the transfer of crypto assets from a user.

[Overview of Information Processing System S]
1 is a schematic diagram of an information processing system S according to the present embodiment. The information processing system S includes an information processing device 1, a user terminal 2, and a business operator terminal 3. The information processing system S may also include other devices such as a server and a terminal.

The information processing device 1 is a computer that performs processing related to crypto assets held by a user. The information processing device 1 is associated with a specified administrator. The administrator is, for example, a person or organization that mediates the transfer of assets between a user and a business operator.

Crypto assets are electronic assets that can be used for payment and other purposes. Crypto assets are electronic assets that are different from legal tender such as the Japanese yen or the US dollar. Crypto assets may be electronic assets backed by legal tender, for example, electronic assets that have the same value and guarantee as legal tender. Crypto assets are, for example, digital currencies or stable coins.

The crypto assets are managed, for example, by a blockchain constructed in a storage unit of the information processing device 1 or in a storage unit of a device different from the information processing device 1. The crypto assets are stored, for example, by the blockchain on one or more storage units on the network, in association with user identification information (user ID: Identifier) for identifying the user who is the owner. The blockchain includes multiple blocks of data, and each block includes one or more transactions indicating that the crypto assets have been transferred (that the owner of the crypto assets has changed). Each block in the blockchain includes a hash value generated according to a predetermined rule, and the accuracy of the entire blockchain is guaranteed by checking the consistency of the hash values between blocks. In addition, the crypto assets may be managed not only by the blockchain, but also by a database, etc.

The user terminal 2 is an information terminal used by a user. The user is, for example, a person or organization that holds crypto assets. The business operator terminal 3 is an information terminal used by a business operator. The business operator is, for example, a person or organization that receives exchange assets corresponding to the crypto assets transferred from the user. The exchange assets are a specified type of crypto asset or legal tender.

The user terminal 2 and the business operator terminal 3 are, for example, computers such as smartphones, tablet terminals, or personal computers. The user terminal 2 and the business operator terminal 3 have an operation unit such as a touch panel or keyboard for accepting operations, and a display unit such as a liquid crystal display for displaying information. The user terminal 2 and the business operator terminal 3 are capable of communicating with the information processing device 1 via a network.

An overview of the processing executed by the information processing system S according to this embodiment is given below. The information processing device 1 accepts the transfer of crypto assets held by each of a plurality of users.

The information processing device 1 determines whether the total amount of crypto assets transferred from multiple users has reached a predetermined reference value. The reference value is, for example, either the exchangeable amount, which is the minimum amount of crypto assets that can be exchanged for the exchange destination asset, or the transferable amount, which is the amount of crypto assets that corresponds to the minimum amount of the exchange destination asset that can be transferred to the business operator.

On condition that the information processing device 1 determines that the total amount of crypto assets transferred from multiple users has reached a reference value, it outputs an exchange instruction to exchange the crypto assets transferred from multiple users for exchange destination assets, and outputs a transfer instruction to transfer the exchange destination assets to a specified business operator.

In this way, the information processing system S accepts transfers of crypto assets from multiple users, and, provided that the total amount of crypto assets reaches a threshold value, exchanges the crypto assets for exchange assets and transfers them to a specified business. This allows the information processing system S to use the crypto assets collected from multiple users for donations to a specified business, etc., even if the crypto assets held by each user do not reach the exchangeable or transferable amount.

[Configuration of information processing system S]
FIG. 2 is a block diagram of an information processing system S according to this embodiment. In FIG. 2, the arrows indicate the main data flows, and there may be data flows other than those shown in FIG. 2. In FIG. 2, each block indicates a functional configuration, not a hardware (device) configuration. Therefore, the blocks shown in FIG. 2 may be implemented in a single device, or may be implemented separately in multiple devices. Data may be exchanged between blocks via any means, such as a data bus, a network, or a portable storage medium.

The information processing device 1 has a communication unit 11, a storage unit 12, and a control unit 13. The information processing device 1 may be configured by connecting two or more physically separate devices by wire or wirelessly. The information processing device 1 may also be configured by a cloud, which is a collection of computer resources.

The communication unit 11 has a communication controller for transmitting and receiving data between the user terminal 2 and the business operator terminal 3 via the network. The communication unit 11 notifies the control unit 13 of data received from the user terminal 2 and the business operator terminal 3 via the network. The communication unit 11 also transmits data output from the control unit 13 to the user terminal 2 and the business operator terminal 3 via the network.

The storage unit 12 is a storage medium including a ROM (Read Only Memory), a RAM (Random Access Memory), a hard disk drive, etc. The storage unit 12 stores in advance the programs to be executed by the control unit 13. The storage unit 12 may be provided outside the information processing device 1, in which case data may be exchanged between the storage unit 12 and the control unit 13 via a network.

The control unit 13 has a reception unit 131, a determination unit 132, and an output unit 133. The control unit 13 is, for example, a processor such as a CPU (Central Processing Unit), and functions as the reception unit 131, the determination unit 132, and the output unit 133 by executing a program stored in the storage unit 12.

The processing executed by the information processing system S will be described in detail below. First, the transfer conditions for a user to transfer crypto assets will be described. In the information processing device 1, the reception unit 131 receives from the user the designation of transfer conditions for transferring crypto assets. The reception unit 131 transmits, for example, display information for displaying a transfer conditions designation screen for the user to designate the transfer conditions to the user terminal 2 used by the user. The user terminal 2 displays the transfer conditions designation screen on the display unit according to the display information received from the information processing device 1.

Figure 3 is a schematic diagram of a user terminal 2 displaying a transfer condition designation screen for a user to designate transfer conditions. The transfer condition designation screen includes, for example, an area for designating an amount condition, which is a condition for the amount of cryptocurrency to be transferred, an area for designating the type of cryptocurrency to be transferred, and an area for designating a transfer destination business operator, which is a business operator to which the exchange destination assets are to be transferred.

The area for specifying the amount condition includes, for example, a field for inputting the range of the crypto asset amount (the upper limit of the amount in the example of FIG. 3). In the example of FIG. 3, the area for specifying the amount condition accepts the amount of legal tender converted from the amount of crypto asset. In this case, the reception unit 131 converts the input amount of legal tender into the amount of crypto asset according to a predetermined conversion rate and accepts it.

The area for specifying the type of crypto asset includes, for example, options representing one or more types of crypto assets held by the user. The reception unit 131 may accept the designation of the type on the condition that the amount of one type of crypto asset held by the user is less than the exchangeable amount. The reception unit 131 may also accept the designation of the type on the condition that the amount of one type of crypto asset held by the user is less than the transferable amount.

The area for specifying the destination business operator includes, for example, options representing one or more types of business operators that can receive the transfer of the exchanged assets. In the example of Figure 3, the amount of crypto assets, the type of crypto assets, and the destination business operator are each specified independently, but the amount of crypto assets and the destination business operator may be specified for each type of crypto assets.

In response to a predetermined operation (e.g., selection of the send button) by the user, the user terminal 2 transmits information indicating the transfer conditions, including the amount condition, type of crypto asset, and transfer destination business, specified on the transfer condition specification screen to the information processing device 1. In the information processing device 1, the reception unit 131 accepts the transfer conditions indicated in the information received from the user terminal 2, and stores the accepted transfer conditions in the memory unit 12 in association with the user's user ID. The reception unit 131 may also perform subsequent processing using the amount condition, type of crypto asset, and transfer destination business that are pre-stored in the memory unit 12, without accepting the specification of transfer conditions from the user.

Next, the process in which the information processing device 1 accepts the transfer of crypto assets from a user will be described. FIG. 4 is a schematic diagram for explaining the process in which the information processing device 1 accepts the transfer of crypto assets from a user.

The determination unit 132 determines whether the transfer condition accepted by the acceptance unit 131 is satisfied (a1). For example, the determination unit 132 determines that the transfer condition is satisfied when the amount of crypto assets of the type indicated by the transfer condition, among the crypto assets held by the user, satisfies the amount condition indicated by the transfer condition (e.g., when the amount is equal to or less than the upper limit indicated by the amount condition), and determines that the transfer condition is not satisfied when this is not the case.

The reception unit 131 accepts the transfer of crypto assets from the user on condition that the determination unit 132 determines that the transfer conditions are met (a2). For example, when the determination unit 132 determines that the transfer conditions are met, the reception unit 131 sends a transfer instruction to the blockchain to transfer the crypto assets from the user to the administrator, and when the determination unit 132 determines that the transfer conditions are not met, the reception unit 131 does not send a transfer instruction to the blockchain. For example, the blockchain stores information (e.g., a transaction) that changes the holder of the crypto assets from the user to the administrator in accordance with the transfer instruction sent by the information processing device 1.

If the amount of crypto assets held by the user is greater than the exchangeable amount, the reception unit 131 may accept from the user the transfer of crypto assets remaining after exchanging the crypto assets held by the user for assets other than the crypto assets. In this case, the reception unit 131 transmits an exchange instruction to at least one of the blockchain and the other device to exchange the exchangeable amount of crypto assets held by the user for a specified other asset. The other asset is a specified type of crypto asset different from the crypto assets held by the user, or a specified type of legal tender.

At least one of the blockchain and the other device exchanges the exchangeable amount of cryptocurrency for other assets in accordance with the exchange instruction sent by the information processing device 1. For example, the blockchain stores information that changes the holder of the cryptocurrency to be exchanged from the user to the holder of the other asset in accordance with the exchange instruction sent by the information processing device 1. The holder of the other asset is, for example, a business operator that exchanges cryptocurrency for other assets.

When the other asset is a specified type of crypto asset, the blockchain stores information to change the holder of the specified type of crypto asset in an amount equivalent to the original crypto asset from the holder of the other asset to the user, for example, in accordance with an exchange instruction sent by the information processing device 1. When the other asset is legal tender, the other device (such as a bank server) transfers legal tender in an amount equivalent to the original crypto asset from the account of the holder of the other asset to the account of the user, for example, in accordance with the exchange instruction sent by the information processing device 1. The original crypto asset is exchanged for the other asset at the exchange rate at the time of exchange.

Then, the reception unit 131 sends a transfer instruction to the blockchain to transfer the amount of crypto assets held by the user that remains after the exchange from the user to the administrator. The blockchain stores information to change the holder of the remaining amount of crypto assets from the user to the administrator, for example, in accordance with the transfer instruction sent by the information processing device 1. This allows the information processing system S to provide the transfer destination business with only the amount of crypto assets held by the user that cannot be exchanged for other assets, improving user convenience.

The determination unit 132 determines whether the total amount of crypto assets transferred from multiple users has reached a predetermined reference value (a3). For example, the determination unit 132 determines whether the total amount of crypto assets transferred from multiple users has reached a predetermined reference value in response to the reception unit 131 receiving a new transfer of crypto assets from a user, or at predetermined time intervals (daily, weekly, monthly, etc.).

The reference value for the total amount of crypto assets is either the exchangeable amount, which is the minimum amount of crypto assets that can be exchanged for the exchange destination assets, or the transferable amount, which is the amount of crypto assets that corresponds to the minimum amount of the exchange destination assets that can be transferred to the business operator. The reference value is stored in advance in the memory unit 12. The minimum amount of the exchange destination assets is converted into the transferable amount, which is the amount of crypto assets, at the exchange rate at the time of determination by the determination unit 132, for example.

The exchange target asset is a specified type of crypto asset different from the crypto asset transferred by the user, or a specified type of legal tender such as Japanese yen or US dollars. The reception unit 131, for example, receives in advance from the operator at the operator terminal 3 the designation of the type of exchange target asset to be exchanged, and stores the received type of exchange target asset in the memory unit 12.

The determination unit 132 calculates the total amount by adding up the amounts of crypto assets that the acceptance unit 131 accepts for transfer from multiple users, and determines whether the calculated total amount reaches a reference value pre-stored in the memory unit 12 (whether it is equal to or greater than the reference value).

The determination unit 132 may tally up the crypto assets transferred from multiple users for each business to which the exchanged assets are transferred. In this case, the determination unit 132 calculates the total amount of crypto assets transferred from multiple users who specified each destination business indicated by the transfer conditions specified by each of the multiple users, and determines whether the total amount for the destination business has reached a reference value. The information processing device 1 executes the subsequent processing for each destination business. This allows the information processing system S to provide assets corresponding to the crypto assets transferred from the user to the business specified by the user.

On the condition that the determination unit 132 determines that the total amount of crypto assets transferred from the multiple users has not reached the reference value, the output unit 133 transmits a predetermined notification to the user terminal 2 used by another user other than the multiple users (a4). The notification is, for example, information including the shortfall in the crypto assets until the reference value is reached.

The user terminal 2 of the other user displays the notification sent by the information processing device 1 on the display unit. After the output unit 133 sends the notification to the user terminal 2 of the other user, the reception unit 131 accepts the transfer of crypto assets from the other user (a5), similar to (a2) in FIG. 4. As a result, even if the crypto assets already transferred from multiple users have not reached the exchangeable or transferable amount, the information processing system S can provide the transfer destination business with assets corresponding to the crypto assets transferred from the user by accepting the transfer of additional crypto assets from other users.

The output unit 133 may output a grant instruction to grant a specific benefit to the other user on the condition that the transfer of crypto assets is accepted in response to a notification from the other user. The benefit is, for example, a type of crypto asset different from the crypto asset transferred by the other user. For example, the blockchain stores information to change the holder of the crypto asset, which is the benefit, from the administrator to the other user in accordance with the grant instruction output by the information processing device 1. In this way, the information processing system S can encourage the transfer of additional crypto assets from the other users by allowing the other users to obtain profits in response to the transfer of crypto assets.

Next, a process in which the information processing device 1 provides assets to a business based on crypto assets transferred from a user will be described. FIG. 5 is a schematic diagram for explaining a process in which the information processing device 1 provides assets to a business based on crypto assets transferred from a user.

On the condition that the determination unit 132 determines that the total amount of crypto assets transferred from multiple users has reached a reference value, the output unit 133 outputs an exchange instruction to exchange the crypto assets transferred from multiple users for a destination asset (b1). Here, the output unit 133 transmits the exchange instruction to at least one of a blockchain that processes crypto assets and another device that processes legal tender. The exchange instruction is, for example, information indicating the amount of crypto assets transferred from multiple users, the type of crypto assets transferred from multiple users, and the type of destination asset that the operator has designated in advance as the destination for exchange.

At least one of the blockchain and the other device exchanges the crypto assets transferred from the multiple users for the exchange destination assets in accordance with the exchange instruction sent by the information processing device 1 (b2). The blockchain, for example, stores information that changes the holder of the crypto assets transferred from the multiple users from an administrator to the holder of the exchange destination assets in accordance with the exchange instruction sent by the information processing device 1. The holder of the exchange destination assets is, for example, a business operator that exchanges the crypto assets with the exchange destination assets.

When the destination asset is a specified type of crypto asset, the blockchain stores information to change the holder of the destination asset, which is an amount equivalent to the crypto asset transferred from multiple users, from the holder of the destination asset to the administrator, for example, in accordance with an exchange instruction sent by the information processing device 1. When the destination asset is legal tender, another device (such as a bank server) transfers the destination asset, which is an amount equivalent to the crypto asset transferred from multiple users, from the account of the holder of the destination asset to the account of the administrator, for example, in accordance with an exchange instruction sent by the information processing device 1. The source crypto asset is exchanged for the destination asset at the exchange rate at the time of exchange.

After the crypto assets transferred from multiple users are exchanged for the destination assets, the output unit 133 outputs a transfer instruction to transfer the destination assets from the administrator to the destination business operator (b3). Here, the output unit 133 transmits the transfer instruction to at least one of the blockchain and another device.

At least one of the blockchain and the other device transfers the destination assets from the manager to the destination business in accordance with the transfer instruction sent by the information processing device 1 (b4). When the destination assets are a specified type of crypto asset, the blockchain stores information to change the destination assets, that is, the crypto asset, from the manager to the destination business in accordance with the transfer instruction sent by the information processing device 1, for example. When the destination assets are legal tender, the other device (such as a bank server) transfers the destination assets, that is, the legal tender, from the manager's account to the destination business's account in accordance with the transfer instruction sent by the information processing device 1, for example.

As a result, the information processing system S can provide the transfer destination business with assets corresponding to the crypto assets collected from multiple users, even if the crypto assets held by each user are less than the exchangeable or transferable amount.

After the destination assets are transferred to the destination business operator, the output unit 133 may send a predetermined notification to the user terminal 2 of each of the multiple users who transferred the cryptocurrency from which the destination assets are exchanged. The notification includes, for example, the exchange rate applied to the cryptocurrency for the destination assets or the amount of the destination assets after being exchanged from the cryptocurrency. This enables the information processing system S to inform the user that assets have been provided to the destination business operator in response to the assets transferred from the user.

[Flow of information processing method]
6 is a diagram showing a flowchart of an exemplary information processing method executed by the information processing device 1 according to this embodiment. In response to a predetermined operation being performed by the user, the user terminal 2 transmits information indicating the transfer conditions, including the amount condition, the type of crypto asset, and the transferee business designated by the user, to the information processing device 1. In the information processing device 1, the reception unit 131 receives the transfer conditions indicated by the information received from the user terminal 2, and stores the received transfer conditions in the memory unit 12 in association with the user ID of the user (S11).

The determination unit 132 determines whether the transfer conditions accepted by the acceptance unit 131 are satisfied (S12). For example, the determination unit 132 determines that the transfer conditions are satisfied when the amount of crypto assets of the type indicated by the transfer conditions, among the crypto assets held by the user, satisfies the amount condition indicated by the transfer conditions (e.g., when the amount is equal to or less than the upper limit indicated by the amount condition), and determines that the transfer conditions are not satisfied when this is not the case.

When the determination unit 132 determines that the transfer conditions are not met (NO in S13), the reception unit 131 does not accept the transfer of crypto assets from the user. When the determination unit 132 determines that the transfer conditions are met (YES in S13), the reception unit 131 accepts the transfer of crypto assets from the user (S14). The reception unit 131, for example, transmits a transfer instruction to the blockchain to transfer the crypto assets from the user to the administrator. The blockchain stores information to change the holder of the crypto assets from the user to the administrator, for example, in accordance with the transfer instruction transmitted by the information processing device 1.

In this flowchart, the information processing device 1 executes steps S15 to S19 following steps S11 to S14, but the information processing device 1 may execute steps S11 to S14 and steps S15 to S19 at independent times.

The determination unit 132 determines whether the total amount of crypto assets transferred from multiple users has reached a predetermined reference value (S15). The reference value of the total amount of crypto assets is either the exchangeable amount, which is the minimum amount of crypto assets that can be exchanged for the exchange destination asset, or the transferable amount, which is the amount of crypto assets that corresponds to the minimum amount of the exchange destination asset that can be transferred to the business operator.

When the determination unit 132 determines that the total amount of crypto assets transferred from multiple users does not reach the reference value (NO in S16), the output unit 133 sends a predetermined notification to a user terminal 2 used by another user other than the multiple users (S17). The notification is, for example, information including the shortfall in crypto assets until the reference value is reached. The user terminal 2 of the other user displays the notification sent by the information processing device 1 on a display unit. After the output unit 133 sends the notification to the user terminal 2 of the other user, the acceptance unit 131 accepts the transfer of crypto assets from the other user, similar to step S14.

When the determination unit 132 determines that the total amount of crypto assets transferred from multiple users has reached the reference value (YES in S16), the output unit 133 transmits an exchange instruction to at least one of the blockchain and another device to exchange the crypto assets transferred from multiple users for exchange destination assets (S18). At least one of the blockchain and another device exchanges the crypto assets transferred from multiple users for exchange destination assets in accordance with the exchange instruction transmitted by the information processing device 1. As a result, the administrator of the information processing device 1 temporarily becomes the holder of the exchange destination assets.

After the crypto assets transferred from multiple users are exchanged for the destination assets, the output unit 133 transmits a transfer instruction to at least one of the blockchain and the other device to transfer the destination assets from the manager to the destination business operator (S19). At least one of the blockchain and the other device transfers the destination assets from the manager to the destination business operator in accordance with the transfer instruction transmitted by the information processing device 1.

[Effects of the embodiment]
According to the information processing system S of this embodiment, the information processing device 1 accepts transfers of crypto assets from multiple users, and, on the condition that the total amount of crypto assets reaches a reference value, exchanges the crypto assets for exchange destination assets and transfers them to the transfer destination business. This allows the information processing system S to utilize the crypto assets collected from multiple users as donations to the transfer business, even if the crypto assets held by each user do not reach the exchangeable or transferable amount.

<First Modification>
In the above embodiment, the information processing device 1 uses only one of the exchangeable amount and the transferable amount as the reference value of the crypto assets transferred from multiple users, but in this modified example, the information processing device 1 uses both the exchangeable amount and the transferable amount for the determination. Below, the differences from the above embodiment will be mainly described.

The determination unit 132 determines whether the total amount of crypto assets transferred from multiple users has reached the exchangeable amount and the transferable amount. The output unit 133 outputs an exchange instruction on condition that the determination unit 132 determines that the total amount of crypto assets transferred from multiple users has reached the exchangeable amount. After outputting the exchange instruction, the output unit 133 outputs a transfer instruction on condition that the determination unit 132 determines that the total amount of crypto assets transferred from multiple users has reached the transferable amount.

As a result, the information processing system S of this modified example can provide the transfer destination business with assets corresponding to the crypto assets transferred from multiple users, provided that the crypto assets transferred from multiple users satisfy both the conditions of the exchangeable amount and the transferable amount.

<Second Modification>
In the above-described embodiment, the information processing device 1 transfers the crypto asset from the user to the administrator immediately when the user wishes to transfer it (when the transfer conditions are specified), but in this modified example, the information processing device 1 transfers the crypto asset from the user to the administrator when the total amount of the crypto asset that multiple users wish to transfer reaches a reference value. Below, the differences from the above-described embodiment will be mainly described.

Figure 7 is a schematic diagram illustrating the process by which the information processing device 1 in this modified example accepts the transfer of crypto assets from a user.

The reception unit 131 receives from the user a request to transfer crypto assets held by the user at a first point in time (c1). The reception unit 131 receives, for example, the specification of transfer conditions on the user terminal 2 as a request to transfer crypto assets.

The determination unit 132 determines whether the transfer conditions accepted by the reception unit 131 are satisfied (c2). The determination unit 132 determines whether the total amount of the crypto assets for which the reception unit 131 has accepted transfer requests has reached a reference value (c3). The determination unit 132 calculates the total amount by, for example, adding up the amounts of crypto assets for which the reception unit 131 has accepted transfer requests from multiple users and for which the transfer conditions have been determined to be satisfied, and determines whether the calculated total amount has reached a reference value previously stored in the memory unit 12 (whether it is equal to or greater than the reference value).

The reception unit 131 accepts the transfer of the crypto assets for which a transfer request has been accepted from the user on condition that the determination unit 132 determines that the total amount of the crypto assets for which a transfer request has been accepted reaches a reference value at a second time point that is later than the first time point (c4). For example, when the determination unit 132 determines that the total amount has reached the reference value, the reception unit 131 transmits a transfer instruction to the blockchain to transfer the crypto assets from the user to the administrator, and when the determination unit 132 determines that the total amount has not reached the reference value, the reception unit 131 does not transmit the transfer instruction to the blockchain. For example, the blockchain stores information (e.g., a transaction) for changing the holder of the crypto assets from the user to the administrator in accordance with the transfer instruction transmitted by the information processing device 1.

Then, the information processing device 1 transfers the exchange assets to the transfer destination business based on the crypto assets transferred from the multiple users, similar to the embodiment described above. As a result, the information processing system S according to this modified example can accept the transfer of the crypto assets from the multiple users when the total amount of the crypto assets that the multiple users wish to transfer reaches a reference value, and provide assets corresponding to the crypto assets to the transfer destination business.

After the destination assets are transferred to the destination business operator, the output unit 133 may transmit a predetermined notification to the user terminal 2 of each of the multiple users who transferred the cryptocurrency from which the destination assets are exchanged (c5). The notification includes, for example, the exchange rate for the destination assets applied to the cryptocurrency accepted for transfer by the reception unit 131 at the second time point, or the amount of the destination assets after being exchanged from the cryptocurrency accepted for transfer by the reception unit 131 at the second time point.

There may be a discrepancy between the timing at which the user requests a transfer and the timing at which the cryptocurrency transferred from the user is exchanged for the exchange target asset. For example, the user may want to know the exchange rate or the amount of the exchange target asset at the time when the cryptocurrency transferred from the user is exchanged for the exchange target asset, for example to receive a tax refund based on the donation amount. The information processing system S according to this modified example can notify the user of the exchange rate or the amount of the exchange target asset at the time when the cryptocurrency transferred from the user is actually exchanged, rather than the timing at which the user requests a transfer.

Furthermore, this invention will make it possible to contribute to Goal 9 of the United Nations' Sustainable Development Goals (SDGs), which is "Build resilient infrastructure, promote inclusive and sustainable industrialization, and promote innovation and infrastructure."

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

S Information processing system 1 Information processing device 11 Communication unit 12 Storage unit 13 Control unit 131 Reception unit 132 Determination unit 133 Output unit 2 User terminal 3 Business operator terminal

Claims (15)

A reception unit that receives transfers of crypto assets held by each of a plurality of users;
a determination unit that determines whether the total amount of the crypto asset transferred from the multiple users reaches an exchangeable amount, which is the minimum amount of the crypto asset that can be exchanged for an exchange target asset other than the crypto asset, and a transferable amount, which is the amount of the crypto asset that corresponds to the minimum amount of the exchange target asset that can be transferred to a specified business ;
an output unit which, on condition that the determination unit determines that the total amount of the crypto assets transferred from the multiple users has reached the exchangeable amount , outputs an exchange instruction to exchange the crypto assets transferred from the multiple users for the exchange destination assets, and, on condition that the determination unit determines that the total amount of the crypto assets transferred from the multiple users has reached the transferable amount, outputs a transfer instruction to transfer the exchange destination assets to the business operator;
An information processing device having the above configuration. A reception unit that receives, from each of a plurality of users, a request for transfer of crypto assets held by that user and a transfer of the crypto assets held by that user;
a determination unit that determines whether the total amount of the crypto assets for which the reception unit has accepted a transfer request has reached a predetermined reference value, and whether the total amount of the crypto assets for which the reception unit has accepted a transfer request has reached the reference value;
an output unit that outputs an exchange instruction to exchange the crypto asset that has been accepted for transfer by the acceptance unit for an exchange destination asset different from the crypto asset, and outputs a transfer instruction to transfer the exchange destination asset to a specified business operator;
having
At a first time point, the reception unit receives a request to transfer the crypto asset;
At a second time point that is later than the first time point, the reception unit accepts, on condition that the determination unit determines that the total amount of the crypto assets for which the reception unit has accepted a transfer request has reached the reference value, a transfer of the crypto assets for which the reception unit has accepted a transfer request from each of the multiple users;
On the condition that the determination unit determines that the total amount of the crypto assets accepted for transfer by the acceptance unit has reached the reference value, the output unit outputs the exchange instruction and the transfer instruction.
Information processing device. A reception unit that receives transfers of crypto assets held by each of a plurality of users;
A determination unit that determines whether or not the total amount of the crypto assets transferred from the plurality of users has reached a predetermined threshold value;
an output unit that outputs an exchange instruction to exchange the crypto assets transferred from the multiple users for exchange destination assets different from the crypto assets, on condition that the determination unit determines that the total amount of the crypto assets transferred from the multiple users has reached the reference value, and outputs a transfer instruction to transfer the exchange destination assets to a specified business operator;
having
The output unit transmits a predetermined notification to an information terminal used by another user different from the plurality of users on condition that the determination unit determines that the total amount of the crypto assets transferred from the plurality of users does not reach the reference value.
Information processing device. The reference value is either an exchangeable amount, which is the minimum amount of the cryptocurrency that can be exchanged for the exchange target asset, or a transferable amount, which is the amount of the cryptocurrency that corresponds to the minimum amount of the exchange target asset that can be transferred to the business operator.
4. The information processing device according to claim 2 or 3 . The determination unit determines whether or not the total amount of the crypto assets transferred from the multiple users has reached an exchangeable amount, which is the minimum amount of the crypto assets that can be exchanged for the exchange destination assets, and a transferable amount, which is the amount of the crypto assets that corresponds to the minimum amount of the exchange destination assets that can be transferred to the business;
the output unit outputs the exchange instruction on the condition that the determination unit determines that the total amount of the crypto assets transferred from the plurality of users has reached the exchangeable amount, and then outputs the transfer instruction on the condition that the determination unit determines that the total amount of the crypto assets transferred from the plurality of users has reached the transferable amount.
4. The information processing device according to claim 2 or 3 . The reception unit receives a designation of the type of the exchange destination asset from the business operator,
The output unit outputs the exchange instruction for exchanging the assets for the exchange destination asset of the type designated by the business operator.
The information processing device according to claim 1 . The reception unit receives, from the user, a designation of an amount condition, which is a condition for the amount of the crypto asset for transferring the crypto asset;
The reception unit accepts the transfer of the crypto asset from the user on the condition that the amount of the crypto asset held by the user satisfies the amount condition.
The information processing device according to claim 1 . The reception unit receives, from the user, a designation of the type of crypto asset to be transferred among the crypto assets held by the user;
The reception unit receives from the user the transfer of the type of crypto asset designated by the user, on condition that the amount of the type of crypto asset designated by the user satisfies the amount condition.
The information processing device according to claim 7 . The reception unit receives from the user a transfer of the crypto asset remaining after the crypto asset held by the user is exchanged for an asset different from the crypto asset.
The information processing device according to claim 1 . The reception unit receives, from the user at a first time point, a request to transfer the crypto asset held by the user;
The determination unit determines whether or not a total amount of the crypto assets for which the transfer request has been accepted by the acceptance unit has reached the reference value;
The reception unit receives, from the user, a transfer of the crypto asset for which the reception unit has received a transfer request, on condition that the determination unit determines that the total amount has reached the reference value at a second time point that is later than the first time point.
The information processing device according to claim 3 . The output unit transmits a notification to an information terminal used by the user, the notification including an exchange rate for the exchange destination asset applied to the crypto asset whose transfer was accepted by the acceptance unit at the second time point, or an amount of the exchange destination asset after being exchanged from the crypto asset whose transfer was accepted by the acceptance unit at the second time point.
The information processing device according to claim 2 or 10 . The output unit transmits the notification including the shortfall in the crypto asset until the reference value is reached to an information terminal used by the other user.
The information processing device according to claim 3 . The output unit outputs a grant instruction for granting a predetermined benefit to the other user on condition that the transfer of the crypto asset is accepted from the other user in response to the notification.
The information processing device according to claim 3 . The reception unit receives the transfer of the crypto asset from the user and also receives information indicating a transfer destination business operator that is the business operator to which the crypto asset is to be transferred;
The determination unit determines, for each transferee business, whether or not the total amount of the crypto assets transferred from the multiple users has reached the reference value.
4. The information processing device according to claim 2 or 3 . The processor executes
A step of accepting transfer of crypto assets held by each of a plurality of users;
a step of determining whether the total amount of the crypto asset transferred from the multiple users reaches an exchangeable amount, which is the minimum amount of the crypto asset that can be exchanged for an exchange target asset other than the crypto asset, and a transferable amount, which is the amount of the crypto asset that corresponds to the minimum amount of the exchange target asset that can be transferred to a specified business ;
outputting an exchange instruction to exchange the crypto assets transferred from the plurality of users for the exchange destination assets, on condition that it is determined in the determining step that the total amount of the crypto assets transferred from the plurality of users has reached the exchangeable amount;
outputting a transfer instruction to transfer the exchange destination assets to the business operator , on condition that it is determined in the determining step that the total amount of the crypto assets transferred from the plurality of users has reached the transferable amount;
An information processing method comprising the steps of:

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