Information processing device and information processing method

Abstract

To provide an information processing device capable of allowing users to utilize small amounts of cryptocurrency.SOLUTION: An information processing device 1 in an embodiment includes: a reception unit 131 that accepts transfers of cryptocurrency held by multiple users from each of them; a determination unit 132 that determines whether the total amount of cryptocurrency transferred by multiple users reaches a certain threshold; and an output unit 133 that, on the condition that the determination unit determines that the total amount of cryptocurrency transferred by multiple users has reached the threshold, outputs an instruction to exchange cryptocurrency transferred from multiple users for a different exchange asset than cryptocurrency and outputs an instruction to transfer the exchanged assets to a specified business operator.SELECTED DRAWING: Figure 2

Description

[Technical field]

[0001] The present invention relates to an information processing device and an information processing method for processing information related to crypto assets. [Background technology]

[0002] 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. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2023-24889 A Summary of the Invention [Problem to be solved by the invention]

[0004] Some cryptocurrencies have a minimum quantity that must be held in order to be exchanged for other cryptocurrencies. Even if a user holds a small amount of such cryptocurrencies, the user cannot exchange them for goods or services or for other cryptocurrencies, which causes the small amount of cryptocurrencies to go to waste.

[0005] The present invention has been made in consideration of these points, and aims to make it easier for users to utilize the small amounts of crypto assets they hold. [Means for solving the problem]

[0006] An information processing device of a first aspect of the present invention has an acceptance unit that judges whether each of a plurality of users satisfies transfer conditions for transferring crypto assets, and accepts transfer of the crypto assets held by the users judged to satisfy the transfer conditions, a judgment unit that judges whether the total amount of the crypto assets transferred from the plurality of users, including the crypto assets transferred from the users judged to satisfy the transfer conditions, has reached a predetermined reference value, and an output unit that, on the condition that the judgment unit judges 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 exchange destination assets different from the crypto assets, and outputs a transfer instruction to transfer the exchange destination assets to a predetermined business operator.

[0007] The reference value may be either an exchangeable amount, which is the minimum amount of the crypto asset that can be exchanged for the exchange target asset, or 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 the business operator.

[0008] The reception unit may receive a designation of the type of the exchange destination asset from the business operator, and the output unit may output the exchange instruction to exchange for the exchange destination asset of the type designated by the business operator.

[0009] 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.

[0010] The reception unit may receive from the user a designation of the type of crypto asset held by the user that is to be transferred, and the reception unit may accept from the user a transfer of the type of crypto asset specified by the user, on the condition that the amount of the type of crypto asset specified by the user satisfies the amount condition.

[0011] The reception unit may accept 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.

[0012] The output unit may transmit a notification including the shortfall in the crypto asset until reaching the reference value to an information terminal used by another user other than the plurality of users.

[0013] The output unit may output a grant instruction to grant a specified 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.

[0014] The reception unit accepts the transfer of the crypto assets from the user and also accepts information indicating a 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.

[0015] The transfer conditions may include at least one of the following: the amount of the cryptocurrency transferred by the user is within a specific range; and the cryptocurrency transferred by the user is of a specific type.

[0016] The transfer conditions may include that the amount of the cryptocurrency transferred by the user is below a certain upper limit.

[0017]

[0018]

[0019] An information processing method of a second aspect of the present invention includes the steps of: determining whether each of a plurality of users satisfies transfer conditions for transferring crypto assets, executed by a processor; accepting the transfer of the crypto assets held by the users determined to satisfy the transfer conditions, determining whether the total amount of the crypto assets transferred from the plurality of users, including the crypto assets transferred from the users determined to satisfy the transfer conditions, has reached a predetermined 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, on condition that it is determined that the total amount of the crypto assets transferred from the plurality of users has reached the reference value; and outputting a transfer instruction to transfer the exchange destination assets to a predetermined business operator, on condition that it is determined that the total amount of the crypto assets transferred from the plurality of users has reached the reference value. Effect of the Invention

[0020] The present invention has the effect of making it easier for users to utilize small amounts of crypto assets they hold. [Brief description of the drawings]

[0021] [Figure 1] 1 is a schematic diagram of an information processing system according to an embodiment. [Diagram 2] 1 is a block diagram of an information processing system according to an embodiment. [Diagram 3] 13 is a schematic diagram of a user terminal displaying a transfer condition designation screen for a user to designate transfer conditions. FIG. [Figure 4] 1 is a schematic diagram illustrating a process in which an information processing device accepts a transfer of cryptocurrency from a user. FIG. [Diagram 5] 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. [Figure 6] FIG. 1 is a flowchart illustrating an exemplary information processing method executed by an information processing device according to an embodiment. [Figure 7] 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. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0022] [Outline of Information Processing System S] 1 is a schematic diagram of an information processing system S according to this 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.

[0023] 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 predetermined administrator. The administrator is, for example, a person or organization that mediates the transfer of assets between a user and a business operator.

[0024] Crypto assets are electronic assets that can be used for payment and the like. Crypto assets are electronic assets that are different from legal tender such as Japanese yen and US dollars. 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.

[0025] 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 or the like.

[0026] 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.

[0027] 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 a 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 can communicate with the information processing device 1 via a network.

[0028] An overview of the processing executed by the information processing system S according to this embodiment will be described below. The information processing device 1 accepts the transfer of crypto assets held by each of a plurality of users.

[0029] The information processing device 1 judges whether the total amount of crypto assets transferred from multiple users has reached a predetermined reference value. The reference value is, for example, either an exchangeable amount, which is the minimum amount of crypto assets that can be exchanged for exchange destination assets, or a transferable amount, which is the amount of crypto assets corresponding to the minimum amount of exchange destination assets that can be transferred to a business operator.

[0030] 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 the multiple users for exchange destination assets, and also outputs a transfer instruction to transfer the exchange destination assets to a specified business operator.

[0031] In this way, the information processing system S accepts transfers of crypto assets from multiple users, and, on the condition that the total amount of crypto assets reaches a threshold value, exchanges the crypto assets for exchange destination assets and transfers them to a specified business. This allows the information processing system S to utilize the crypto assets collected from multiple users for donations to a specified business even if the crypto assets held by each user are less than the exchangeable or transferable amount.

[0032] [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, arrows indicate main data flows, and data flows other than those shown in FIG. 2 may exist. In FIG. 2, each block indicates a configuration in functional units, not a configuration in hardware (device) units. 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.

[0033] The information processing device 1 includes 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 that is a collection of computer resources.

[0034] The communication unit 11 has a communication controller for transmitting and receiving data between the user terminal 2 and the provider terminal 3 via the network. The communication unit 11 notifies the control unit 13 of data received from the user terminal 2 and the provider 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 provider terminal 3 via the network.

[0035] 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 a program 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.

[0036] The control unit 13 has a reception unit 131, a determination unit 132, and an output unit 133. The control unit 13 is 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.

[0037] 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 condition 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 condition designation screen on the display unit according to the display information received from the information processing device 1.

[0038] 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.

[0039] The area for specifying the amount condition includes, for example, a field for inputting the range of crypto asset amounts (upper limit 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 accepting unit 131 converts the input amount of legal tender into the amount of crypto asset according to a predetermined conversion rate and accepts it.

[0040] The area for designating 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 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 condition that the amount of one type of crypto asset held by the user is less than the transferable amount.

[0041] The area for designating 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 cryptocurrency, the type of cryptocurrency, and the destination business operator are each designated independently, but the amount of cryptocurrency and the destination business operator may be designated for each type of cryptocurrency.

[0042] 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 operator specified on the transfer condition designation 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. In addition, the reception unit 131 may perform subsequent processing using the amount condition, type of crypto asset, and transfer destination business operator pre-stored in the memory unit 12, without accepting the designation of transfer conditions from the user.

[0043] Next, a 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 a process in which the information processing device 1 accepts the transfer of crypto assets from a user.

[0044] The determination unit 132 determines whether or not the transfer condition accepted by the acceptance unit 131 is satisfied (a1). The determination unit 132 determines that the transfer condition is satisfied when, for example, 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.

[0045] The reception unit 131 receives the transfer of the crypto asset 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 transmits a transfer instruction to the blockchain to transfer the crypto asset 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 transmit the transfer instruction to the blockchain. For example, the blockchain stores information (for example, a transaction) to change the holder of the crypto asset from the user to the administrator in accordance with the transfer instruction transmitted by the information processing device 1.

[0046] When 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 assets different from the crypto assets held by the user, or a specified type of legal tender.

[0047] At least one of the blockchain and the other device exchanges the exchangeable amount of the crypto asset for another asset 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 crypto asset 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 the crypto asset for the other asset.

[0048] When the other asset is a predetermined type of crypto asset, the blockchain stores information to change the holder of the predetermined 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 the 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.

[0049] The reception unit 131 then transmits to the blockchain a transfer instruction to transfer the amount of crypto assets held by the user that remains after the exchange from the user to the administrator. For example, the blockchain stores information to change the holder of the remaining amount of crypto assets from the user to the administrator in accordance with the transfer instruction transmitted by the information processing device 1. This enables 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, thereby improving user convenience.

[0050] The determination unit 132 determines whether the total amount of crypto assets transferred from multiple users has reached a predetermined reference value (a3). The determination unit 132 determines whether the total amount of crypto assets transferred from multiple users has reached a predetermined reference value, for example, in response to the reception unit 131 receiving a new transfer of crypto assets from a user, or at predetermined time intervals (every day, week, month, etc.).

[0051] 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 corresponding 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 judgment by the judgment unit 132, for example.

[0052] The exchange destination asset is a predetermined type of crypto asset different from the crypto asset transferred from the user, or a predetermined type of legal tender such as Japanese yen, US dollar, etc. The reception unit 131, for example, receives in advance from the business operator at the business operator terminal 3 the designation of the type of exchange destination asset to be exchanged, and stores the received type of exchange destination asset in the storage unit 12.

[0053] The determination unit 132 calculates a 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).

[0054] The determination unit 132 may tally up the crypto assets transferred from multiple users for each business to which the exchange destination assets are transferred. In this case, the determination unit 132 calculates the total amount of crypto assets transferred from multiple users who specified each transfer destination business indicated by the transfer conditions specified by each of the multiple users, and determines whether the total amount for the transfer destination business has reached a reference value. The information processing device 1 executes the following process for each transfer 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.

[0055] On condition that the determination unit 132 determines that the total amount of crypto assets transferred from the multiple users does not reach 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 amount of crypto assets that is short of the reference value.

[0056] 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 receives 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 amount 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 the other user.

[0057] The output unit 133 may output a grant instruction to grant a predetermined privilege to the other user on the condition that the transfer of crypto assets is accepted in response to the notification from the other user. The privilege is, for example, a type of crypto assets different from the crypto assets transferred by the other user. For example, the blockchain stores information to change the holder of the crypto assets, which is the privilege, from the administrator to the other user in accordance with the grant instruction output by the information processing device 1. This allows the information processing system S to 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 the crypto assets.

[0058] Next, a process in which the information processing device 1 provides assets to a business operator 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 operator based on crypto assets transferred from a user.

[0059] On condition that the determination unit 132 determines that the total amount of crypto assets transferred from the multiple users has reached a reference value, the output unit 133 outputs an exchange instruction to exchange the crypto assets transferred from the 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 the multiple users, the type of crypto assets transferred from the multiple users, and the type of destination asset that the business operator has designated in advance as the destination of the exchange.

[0060] At least one of the blockchain and the other device exchanges the crypto assets transferred from the multiple users with the exchange destination assets (b2) 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 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.

[0061] When the destination asset is a predetermined type of crypto asset, the blockchain stores information to change the holder of the destination asset, which is an amount equivalent to the crypto assets 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 legal tender, which is an amount equivalent to the crypto assets 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.

[0062] 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.

[0063] At least one of the blockchain and the other device transfers the destination asset from the manager to the destination business in accordance with the transfer instruction sent by the information processing device 1 (b4). When the destination asset is a predetermined type of crypto asset, the blockchain stores information to change the destination asset, 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 asset is legal tender, the other device (such as a bank server) transfers the destination asset, 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.

[0064] 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.

[0065] After the destination assets are transferred to the transfer 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 crypto asset from which the destination assets are exchanged. The notification includes, for example, the exchange rate to the destination assets applied to the crypto asset or the amount of the destination assets after being exchanged from the crypto asset. This enables the information processing system S to inform the user that assets have been provided to the transfer destination business operator in response to the assets transferred from the user.

[0066] [Information processing method flow] 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 transfer destination 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 storage unit 12 in association with the user ID of the user (S11).

[0067] The determination unit 132 determines whether the transfer condition accepted by the acceptance unit 131 is satisfied (S12). The determination unit 132 determines that the transfer condition is satisfied when, for example, 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.

[0068] If 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. If 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.

[0069] 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 timings.

[0070] 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 exchange destination assets, or the transferable amount, which is the amount of crypto assets that corresponds to the minimum amount of exchange destination assets that can be transferred to the business operator.

[0071] 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 transmits 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 transmitted by the information processing device 1 on a display unit. After the output unit 133 transmits the notification to the user terminal 2 of the other user, the reception unit 131 receives the transfer of crypto assets from the other user, similar to step S14.

[0072] When the determination unit 132 determines that the total amount of crypto assets transferred from the 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 the multiple users for the exchange destination assets (S18). At least one of the blockchain and another device exchanges the crypto assets transferred from the multiple users for the 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.

[0073] After the crypto assets transferred from the multiple users are exchanged for the exchange destination assets, the output unit 133 transmits a transfer instruction to at least one of the blockchain and the other device to transfer the exchange destination assets from the manager to the transfer destination business (S19). At least one of the blockchain and the other device transfers the exchange destination assets from the manager to the transfer destination business in accordance with the transfer instruction transmitted by the information processing device 1.

[0074] [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 threshold 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 for donations to the transfer business, etc., even if the crypto assets held by each user are less than the exchangeable or transferable amount.

[0075] <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 modification, 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.

[0076] The determination unit 132 determines whether the total amount of crypto assets transferred from multiple users has reached each of 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.

[0077] 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 meet both the conditions of the exchangeable amount and the transferable amount.

[0078] <Second Modification> In the above 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 modification, 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 embodiment will be mainly described.

[0079] FIG. 7 is a schematic diagram for explaining the process in which the information processing device 1 according to this modification accepts the transfer of crypto assets from a user.

[0080] The reception unit 131 receives, from a user at a first point in time, a request to transfer crypto assets held by the user (c1). The reception unit 131 receives, for example, transfer conditions specified in the user terminal 2 as a request to transfer crypto assets.

[0081] The determination unit 132 determines whether the transfer conditions accepted by the acceptance unit 131 are satisfied (c2). The determination unit 132 determines whether the total amount of the crypto assets for which the acceptance 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 the crypto assets for which the acceptance unit 131 has accepted transfer requests from multiple users and for which the acceptance unit 131 has determined that the transfer conditions are satisfied, and determines whether the calculated total amount has reached a reference value previously stored in the storage unit 12 (whether it is equal to or greater than the reference value).

[0082] The reception unit 131 accepts the transfer of the crypto asset for which the transfer request has been accepted from the user on condition that the determination unit 132 determines that the total amount of the crypto asset for which the transfer request has been accepted reaches the 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 asset 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 (for example, a transaction) for changing the holder of the crypto asset from the user to the administrator in accordance with the transfer instruction transmitted by the information processing device 1.

[0083] Thereafter, the information processing device 1 transfers the exchange destination assets to the transfer destination business based on the crypto assets transferred from the multiple users, similar to the above-mentioned embodiment. As a result, the information processing system S according to this modification can accept the transfer of the crypto assets from the multiple users at the timing 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.

[0084] After the destination assets are transferred to the transfer destination business, the output unit 133 may transmit a predetermined notification to the user terminal 2 of each of the multiple users who transferred the crypto asset from which the destination assets are exchanged (c5). The notification includes, for example, the exchange rate to the destination assets applied to the crypto asset accepted for transfer by the acceptance unit 131 at the second time point, or the amount of the destination assets after being exchanged from the crypto asset accepted for transfer by the acceptance unit 131 at the second time point.

[0085] There may be a discrepancy between the timing when the user wishes to transfer and the timing when the crypto asset transferred from the user is exchanged for the exchange destination asset. For example, the user may want to know the exchange rate or the amount of the exchange destination asset at the time when the crypto asset transferred from the user is exchanged for the exchange destination asset, for example, to receive a tax refund according to 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 destination asset at the time when the crypto asset transferred from the user is actually exchanged, rather than the time when the user wishes to transfer.

[0086] Furthermore, this invention will make it possible to contribute to Goal 9 of the United Nations' Sustainable Development Goals (SDGs), which is to "build resilient infrastructure, promote industry, innovation and infrastructure."

[0087] Although the present invention has been described above using the embodiments, the technical scope of the present invention is not limited to the scope described in the above embodiments, and various modifications and changes are possible within the scope of the gist of the present 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 combines the effect of the original embodiment. [Explanation of symbols]

[0088] S Information Processing System 1. Information processing device 11 Communications Department 12 Storage section 13 Control section 131 Reception 132 Judgment section 133 Output section 2. User terminal 3. Operator terminal

Claims

1. a reception unit that determines whether each of a plurality of users satisfies a transfer condition for transferring crypto assets, and receives a transfer of the crypto assets held by the user that is determined to satisfy the transfer condition; a determination unit that determines whether or not the total amount of the crypto assets transferred from the plurality of users, including the crypto assets transferred from the user that is determined to satisfy the transfer conditions, 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; An information processing device having the above configuration.

2. The reference value is either an exchangeable amount, which is the minimum amount of the cryptocurrency that can be exchanged for the exchange destination asset, or a transferable amount, which is the amount of the cryptocurrency that corresponds to the minimum amount of the exchange destination asset that can be transferred to the business operator. The information processing device according to claim 1 .

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.

3. The information processing device according to claim 1 or 2.

4. 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.

3. The information processing device according to claim 1 or 2.

5. 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 4.

6. 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.

3. The information processing device according to claim 1 or 2.

7. The output unit transmits a notification including a shortfall in the crypto asset until the reference value is reached to an information terminal used by another user different from the plurality of users.

3. The information processing device according to claim 1 or 2.

8. 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 7.

9. 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 plurality of users has reached the reference value.

3. The information processing device according to claim 1 or 2.

10. The transfer conditions include at least one of the following: the amount of the cryptocurrency transferred by the user is within a specific range; and the cryptocurrency transferred by the user is of a specific type.

3. The information processing device according to claim 1 or 2.

11. The transfer conditions include that the amount of the cryptocurrency transferred by the user is equal to or less than a specific upper limit; 3. The information processing device according to claim 1 or 2.

12. The processor executes A step of determining whether each of the multiple users satisfies a transfer condition for transferring crypto assets; accepting a transfer of the crypto asset held by the user who is determined to satisfy the transfer conditions; determining whether or not the total amount of the crypto assets transferred from the plurality of users, including the crypto assets transferred from the user determined to satisfy the transfer conditions, has reached a predetermined threshold value; outputting an exchange instruction to exchange the crypto assets transferred from the plurality of users for an exchange destination asset different from the crypto assets, on condition that the total amount of the crypto assets transferred from the plurality of users is determined to have reached the reference value; A step of outputting a transfer instruction to transfer the exchange destination assets to a specified business operator on the condition that the total amount of the crypto assets transferred from the plurality of users is determined to have reached the reference value; An information processing method comprising the steps of:

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