Information processing method, program, and information processing apparatus

Abstract

To enable a user to easily share and use assets owned by the user with specific users.SOLUTION: An information processing method causes a compute to perform the steps of: obtaining a transfer request that requests a transfer of a predetermined asset; obtaining a token issued to a requesting user, wherein the token is associated with a balance of the predetermined asset held by the user; obtaining the balance of the predetermined asset associated with a token corresponding to predetermined identification information issued to a user other than the requesting user; determining whether or not the transfer of the predetermined asset is available based on the total value of the balance of the predetermined asset associated with the tokens of the requesting user and the other user and a transfer amount included in the transfer request; and controlling the transfer of the predetermined asset from the total balance of the predetermined asset associated with the tokens of the requesting user and the other user to an account of a transfer destination user.SELECTED DRAWING: Figure 5

Description

Technical Field

[0001] The present invention relates to an information processing method, a program, and an apparatus.

Background Art

[0002] Techniques for managing digital assets such as the remaining balance of cashless payment charges are known (see, for example, Patent Document 1).

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] In the prior art, in order to share and use assets within a group such as a family, it was necessary to transfer assets by remittance or the like, which was complicated.

[0005] Therefore, the present invention has been made in view of these points, and an object thereof is to enable a user to easily share and use the assets held by the user with a specific user.

Means for Solving the Problems

[0006] In the information processing method according to the first aspect of the present invention, a first acquisition step of acquiring transfer request information for requesting transfer of a predetermined asset, which is executed by a computer; a token corresponding to predetermined identification information issued to a requesting user who requested transfer of the asset related to the transfer request information, and the token associated with the balance of the predetermined asset held by the issued user is acquired in a second acquisition step; a first determination step of determining whether the transfer of the predetermined asset is possible based on the balance of the predetermined asset associated with the token of the requesting user and the transfer amount included in the transfer request information; a third acquisition step of acquiring the token corresponding to the predetermined identification information, which is a token issued to another user different from the requesting user, when it is determined in the first determination step that the transfer of the predetermined asset is not possible; a second determination step of determining whether the transfer of the predetermined asset is possible based on the total value of the predetermined asset associated with the token of the requesting user and the balance of the predetermined asset associated with the token of the other user and the transfer amount included in the transfer request information; and a transfer control step of controlling to transfer the amount of the predetermined asset indicated by the transfer request information to an account for managing the predetermined asset of the transfer destination user included in the transfer request information from the total of the balance of the predetermined asset associated with the token of the requesting user and the balance of the predetermined asset associated with the token of the other user when it is determined in the second determination step that the transfer of the predetermined asset is possible.

[0007] In the transfer control step, it may be controlled to transfer a part of the amount of the predetermined asset indicated by the transfer request information from the balance of the predetermined asset associated with the token of the other user and the remaining part of the amount of the predetermined asset indicated by the transfer request information from the balance of the predetermined asset associated with the token of the requesting user to the account of the transfer destination user included in the transfer request information.

[0008] In the transfer control step, a part of the predetermined assets in the balance of the predetermined assets associated with the token of another user is transferred to the requesting user in the amount indicated by the transfer request information, and all of the predetermined assets in the amount indicated by the transfer request information are transferred from the balance of the predetermined assets associated with the token of the requesting user to the account of the destination user included in the transfer request information. Control may be performed as follows.

[0009] The token is further associated with a method for transferring predetermined assets when the balance of the predetermined assets associated with the token of the requesting user is less than the transfer amount included in the transfer request information. In the transfer control step, based on the transfer method associated with the token, from the total of the balance of the predetermined assets associated with the token of the requesting user and the balance of the predetermined assets associated with the token of the other user, the predetermined assets of the destination user included in the transfer request information are transferred to the account for managing the predetermined assets in the amount indicated by the transfer request information. Control may be performed as follows.

[0010] When controlling the transfer of the predetermined assets from the balances of the requesting user and the other user to the balance of the destination user in the transfer control step, there may be further a balance adjustment step of adjusting the balance of the requesting user and the balance of the other user so that all of the balance of the requesting user and the amount of the predetermined assets obtained by subtracting the balance of the requesting user from the transfer amount included in the transfer request information from the balance of the other user are transferred.

[0011] When transferring the predetermined assets from the balances of the requesting user and the other user to the balance of the destination user in the transfer control step, there may be further a balance adjustment step of adjusting the balance of the requesting user and the balance of the other user so that the balance of the requesting user and the balance of the other user become equal by transferring the predetermined assets from the balance of the requesting user to the balance of the other user.

[0012] When transferring the predetermined assets from the balances of the requesting user and the other user to the balance of the transferee user in the transfer control step, a balance adjustment step may be further included to adjust the balance of the requesting user and the balance of the other user so that the transfer amount from the requesting user and the transfer amount from the other user are equal.

[0013] When transferring the predetermined assets from the balances of the requesting user and the other user to the balance of the transferee user in the transfer control step, a balance adjustment step may be further included to adjust the balance of the requesting user and the balance of the other user so that the predetermined assets are preferentially transferred from the user with a higher priority.

[0014] In the program according to the second aspect of the present invention, the computer is caused to execute: a first acquisition step of acquiring transfer request information for requesting transfer of a predetermined asset; a second acquisition step of acquiring a token corresponding to predetermined identification information issued to a requesting user who has requested transfer of the asset related to the transfer request information, the token being associated with the balance of the predetermined asset held by the issued user; a first determination step of determining whether the transfer of the predetermined asset is possible based on the balance of the predetermined asset associated with the token of the requesting user and the transfer amount included in the transfer request information; a third acquisition step of acquiring, when it is determined in the first determination step that the transfer of the predetermined asset is not possible, the token corresponding to the predetermined identification information and issued to another user different from the requesting user; a second determination step of determining whether the transfer of the predetermined asset is possible based on the total value of the predetermined asset associated with the token of the requesting user and the balance of the predetermined asset associated with the token of the other user, and the transfer amount included in the transfer request information; and a transfer control step of controlling to transfer the amount of the predetermined asset indicated by the transfer request information to an account for managing the predetermined asset of the transfer destination user included in the transfer request information from the total of the balance of the predetermined asset associated with the token of the requesting user and the balance of the predetermined asset associated with the token of the other user when it is determined in the second determination step that the transfer of the predetermined asset is possible.

[0015] In the information processing apparatus according to the third aspect of the present invention, a first acquisition unit that acquires transfer request information for requesting transfer of a predetermined asset, and a predetermined identification information issued to a requesting user who requested transfer of the asset related to the transfer request information. A second acquisition unit that acquires a token corresponding to the token, the token being associated with the balance of the predetermined asset held by the issued user, and the balance of the predetermined asset associated with the token of the requesting user, and the transfer amount included in the transfer request information. A first determination unit that determines whether the transfer of the predetermined asset is possible based on the above, and when the first determination unit determines that the predetermined asset cannot be transferred, the token corresponding to the predetermined identification information, and the token issued to another user different from the requesting user. A third acquisition unit that acquires the token, and the total value of the predetermined asset associated with the token of the requesting user and the balance of the predetermined asset associated with the token of the other user, and the transfer amount included in the transfer request information. A second determination unit that determines whether the transfer of the predetermined asset is possible based on the above, and when the second determination unit determines that the predetermined asset can be transferred, the balance of the predetermined asset associated with the token of the requesting user and the balance of the predetermined asset associated with the token of the other user. A transfer control unit that controls to transfer the predetermined amount of the predetermined asset to an account for managing the predetermined asset of the transfer destination user indicated by the transfer request information from the total.

Effect of the Invention

[0016] According to the present invention, the user's assets can be easily shared and used with a specific user.

Brief Description of the Drawings

[0017]

Figure 1

Figure 2

Figure 3

Figure 4

Figure 5

Figure 6

Figure 7

Figure 8

Modes for Carrying Out the Invention

[0018] <First Embodiment> [Overview of Information Processing System S] FIG. 1 is a diagram for explaining the overview of the information processing system S. The information processing system S is a system for circulating predetermined assets. The predetermined assets are, for example, digital currencies issued by a central bank, a local government, a private company, etc., with a limited circulation area, community, or purpose. The information processing system S includes an information processing apparatus 1 and an information terminal 2.

[0019] The information processing apparatus 1 is a device for managing predetermined assets held by a user. The information processing apparatus 1 manages the predetermined assets held by the user by means of tokens T recorded on the blockchain B. The information processing apparatus 1 may be a node participating in the blockchain B, or may refer to the token T via a node accessible to the blockchain B.

[0020] Token T is a token unique to the issued user. As an example, token T is a Soul Bound Token that has the property of being non-transferable to anyone other than the issued user. Token T is a token for managing a predetermined asset held by each of the issued users. In token T, the balance of the predetermined asset held by the user is associated. In token T, as an example, a wallet for managing assets may be associated, or information indicating the balance of the assets may be included.

[0021] The information terminal 2 is a terminal used by a user who holds a predetermined asset. As an example, the information terminal 2 is a smartphone, a tablet, or a personal computer. The information terminal 2 cooperates with the information processing apparatus 1, displays a screen for the user to manage a predetermined asset, and transmits a request to transfer a predetermined asset to the information processing apparatus 1 according to the user's operation.

[0022] It is convenient for the user to be able to share and use the predetermined asset held by the user with a specific user. Therefore, predetermined identification information is associated with token T. The predetermined identification information is an ID (Identification) for identifying users who can share a predetermined asset. The predetermined identification information is, as an example, a benefit ID. The benefit ID is an ID for identifying the paid benefit.

[0023] The processing in the information processing system S will be described. The information processing apparatus 1 acquires transfer request information ((1) in FIG. 1). The transfer request information is information transmitted to request the transfer of a predetermined asset. The transfer request information includes the token ID of the requesting user, the token ID of the transfer destination user, and the amount of the predetermined asset to be transferred (hereinafter referred to as the "transfer amount"). Hereinafter, the token ID may be referred to as token identification information. The requesting user is the user who requests the transfer of a predetermined asset. The transfer destination user is the user to whom the predetermined asset is to be transferred.

[0024] The information processing apparatus 1 acquires a token T1 issued to the requesting user ((2) in FIG. 1). The information processing apparatus 1 determines whether a predetermined asset can be transferred based on the balance of the predetermined asset associated with the token T1 of the requesting user and the transfer amount included in the transfer request information ((3) in FIG. 1). Specifically, the information processing apparatus 1 determines that the predetermined asset can be transferred when the balance of the predetermined asset of the requesting user is equal to or greater than the transfer amount, and determines that the predetermined asset cannot be transferred when the balance of the predetermined asset of the requesting user is less than the transfer amount.

[0025] When the information processing apparatus 1 determines that the predetermined asset cannot be transferred, it acquires another token T2 corresponding to the predetermined identification information ((4) in FIG. 1). The information processing apparatus 1 acquires the balance of the predetermined asset associated with the token T2.

[0026] The information processing apparatus 1 adds up the balance associated with the token T1 and the balance associated with the token T2, and determines whether the transfer of the predetermined asset indicated by the transfer request information is possible ((5) in FIG. 1). When it is determined that the predetermined asset can be transferred as a result of the addition, the information processing apparatus 1 transfers the predetermined asset to the account of the transfer destination user from the balances associated with the token T1 and the token T2 respectively ((6) in FIG. 1). The account of the transfer destination user is, for example, a wallet associated with the token T held by the transfer destination user.

[0027] With the information processing system S configured in this way, it becomes possible for the user to share and use the assets held by the user with a specific user.

[0028] [Configuration of Information Processing Apparatus 1] FIG. 2 is a block diagram showing the configuration of the information processing apparatus 1. The information processing apparatus 1 includes a communication unit 11, a storage unit 12, and a control unit 13. The control unit 13 includes a first acquisition unit 131, a second acquisition unit 132, a first determination unit 133, a third acquisition unit 134, a second determination unit 135, a transfer control unit 136, and a display control unit 137.

[0029] The communication unit 11 is a communication interface for transmitting and receiving data with other devices via a network. The storage unit 12 is a storage medium including a ROM (Read Only Memory), a RAM (Random Access Memory), an SSD (Solid State Drive), a hard disk drive, and the like. The storage unit 12 stores in advance a program executed by the control unit 13.

[0030] The control unit 13 is a processor such as a CPU (Central Processing Unit), for example. By executing the program stored in the storage unit 12, the control unit 13 functions as a first acquisition unit 131, a second acquisition unit 132, a first determination unit 133, a third acquisition unit 134, a second determination unit 135, a transfer control unit 136, and a display control unit 137.

[0031] The first acquisition unit 131 acquires transfer request information for requesting the transfer of a predetermined asset. The first acquisition unit 131 acquires the transfer request information from the information terminal 2 of the user who requests the transfer of the predetermined asset.

[0032] The second acquisition unit 132 acquires a token T2 corresponding to a predetermined identification information associated with the token T1 issued to the source user. FIG. 3 is a diagram showing an example of the data structure of the token T. As shown in FIG. 3, the token T is associated with a "token ID", an "issuer", a "holder", a "benefit ID", and a "wallet". The second acquisition unit 132 may acquire the token T issued to the destination user. As will be described later, the token T may include the balance of a predetermined asset held by the user.

[0033] The "Token ID" is a token ID for identifying the token. The "Issuer" is information indicating the issuer that issued the token. The "Issuer" may include the ID of the issuer that issued the token or may include the name. The "Holder" is an ID for identifying the holder who holds the token. The "Benefit ID" is an ID for identifying the paid benefit. The "Wallet" indicates the ID of the wallet for managing the predetermined assets associated with the token. The wallet is a wallet for managing the predetermined assets held by the user recorded on the blockchain B. Note that a part of the information that the token T has (for example, the Benefit ID) may be stored outside the token T. In this case, the token T includes a URI (Universal Resource Identifier) for accessing the information stored outside the token T.

[0034] The first determination unit 133 determines whether the transfer of the predetermined assets is possible based on the balance of the predetermined assets associated with the token T of the requesting user and the transfer amount included in the transfer request information. The first determination unit 133 determines that the transfer of the predetermined assets based on the transfer request information is possible when the balance associated with the token T of the requesting user is equal to or greater than the transfer amount included in the transfer request information. The first determination unit 133 determines that the transfer based on the transfer request information cannot be made when the balance associated with the token T of the requesting user is less than the transfer amount included in the transfer request information.

[0035] When the first determination unit 133 determines that the transfer of the predetermined assets is possible, the transfer control unit 136 controls to transfer the predetermined assets of the requesting user to the transfer destination user. Specifically, the transfer control unit 136 causes the blockchain B to record the transfer of the predetermined assets in the amount indicated by the transfer request from the balance of the wallet associated with the token T1 of the requesting user to the balance of the wallet associated with the token T2 of the transfer destination user. Note that the transfer control unit 136 may instruct a node accessible to the blockchain B to record the transfer of the above assets.

[0036] When the first determination unit 133 determines that a predetermined asset cannot be transferred, the third acquisition unit 134 acquires the balance of a predetermined asset associated with a token corresponding to the predetermined identification information and issued to another user different from the requesting user, the token T2. The third acquisition unit 134 acquires the token T2 issued to a user different from the requesting user by referring to the blockchain B. The token T2 is associated with a benefit ID corresponding to the token T1 issued to the requesting user. The corresponding benefit ID is, for example, the same benefit ID, or a benefit ID belonging to the same group (for example, when the benefit ID is composed of a group ID and a branch number, having the same group ID). The third acquisition unit 134 acquires the balance of the predetermined asset associated with the token T2.

[0037] The second determination unit 135 determines whether or not a predetermined asset can be transferred based on the total value of the predetermined asset associated with the token T1 of the requesting user and the balance of the predetermined asset associated with the token T2 of another user, and the transfer amount included in the transfer request information. The second determination unit 135 adds up the balance of the predetermined asset associated with the token T1 and the balance of the predetermined asset associated with the token T2 to calculate the total value of the balance. When the calculated total value of the balance is equal to or greater than the transfer amount included in the transfer request information, the second determination unit 135 determines that it is possible to transfer the predetermined asset by adding up the balance. When the calculated total value of the balance is less than the transfer amount included in the transfer request information, the second determination unit 135 determines that it is not possible to transfer the predetermined asset by adding up the balance.

[0038] When the second determination unit 135 determines that a predetermined asset can be transferred, the transfer control unit 136 transfers a predetermined amount of the asset indicated in the transfer request information to the account for managing the predetermined asset of the transfer destination user from the sum of the balance of the predetermined asset associated with the token T1 of the requesting user and the balance of the predetermined asset associated with the token T2 of another user. The transfer control unit 136 calculates the transfer amount to be transferred from each user, and records the transfer of the predetermined asset in the blockchain B so that the predetermined asset of the transfer amount calculated for each user is transferred from the balance of the wallet associated with each of the tokens T1 and T2 to the balance of the wallet associated with the token T of the transfer destination user. As an example, the transfer control unit 136 calculates the entire balance of the requesting user as the transfer amount of the requesting user, and calculates the amount obtained by subtracting the balance of the requesting user from the transfer amount indicated in the transfer request information as the transfer amount of another user.

[0039] Note that the transfer control unit 136 may calculate the transfer amounts of the requesting user and other users by various methods as described later. Also, the transfer control unit 136 may directly transfer the predetermined asset of another user to the transfer destination user, or may transfer the predetermined asset to the transfer destination user via the wallet of the requesting user.

[0040] When the second determination unit 135 determines that the assets cannot be transferred by aggregating the balances, the display control unit 137 may display on the information terminal 2 a screen indicating that the predetermined assets cannot be transferred.

[0041] With the information processing apparatus 1 configured in this way, it becomes possible for the user to easily share and use the assets held by the user with a specific user.

[0042] The information processing apparatus 1 may be configured to directly transfer a predetermined asset from another user to the transfer destination user.

[0043] The transfer control unit 136 controls to transfer a part of the predetermined assets indicated by the transfer request information from the balance of the predetermined assets associated with the token T2 of another user to the account of the transfer destination user. As an example, the transfer control unit 136 calculates the transfer amount of the requesting user based on the balances associated with the tokens T1 and T2 and the transfer amount indicated by the transfer request information, subtracts the calculated transfer amount of the requesting user, calculates the transfer amount to be transferred from another user, and transfers the calculated transfer amount of the other user from the wallet associated with the token T2 to the account of the transfer destination user.

[0044] The transfer control unit 136 controls to transfer the remaining part of the predetermined assets obtained by subtracting the transfer amount of another user from the amount indicated by the transfer request information from the balance of the predetermined assets associated with the token T1 of the requesting user to the account of the transfer destination user included in the transfer request information. The transfer control unit 136 transfers the predetermined assets of the calculated transfer amount of the requesting user from the wallet associated with the token T1 of the requesting user.

[0045] The information processing apparatus 1 may be configured to transfer predetermined assets from the wallet of another user via the wallet of the requesting user.

[0046] The transfer control unit 136 transfers a part of the predetermined assets indicated by the transfer request information from the balance of the predetermined assets associated with the token T2 of another user to the requesting user. As an example, the transfer control unit 136 controls to transfer a part of the transfer amount indicated by the transfer request information from the wallet associated with the token T2 of another user to the wallet associated with the token T1 of the requesting user. As an example, the transfer control unit 136 calculates the transfer amount to be transferred from another user, and controls to transfer the predetermined assets of the calculated transfer amount from the wallet associated with the token T2 of another user to the wallet associated with the token T1 of the requesting user.

[0047] The transfer control unit 136 controls to transfer all of the predetermined assets indicated by the transfer request information from the balance of the predetermined assets associated with the token of the requesting user to the account of the transfer destination user included in the transfer request information.

[0048] With such a configuration, it is possible to prevent assets from being transferred from users other than the direct trading partner, and as a result, the transfer destination user does not need to be aware of the wallets of other users.

[0049] The information processing apparatus 1 may be configured to calculate the transfer amount to be transferred from each user based on the transfer method associated with the token T.

[0050] The token is further associated with a transfer method of a predetermined asset when the balance of the predetermined asset associated with the token of the requesting user is less than the transfer amount included in the transfer request information. As an example, in the case of the token T shown in FIG. 3(b), a "transfer method" is further associated. The "transfer method" is information indicating how to transfer the assets of the requesting user and other users to the transfer destination user. As an example, in the token T, information such as "payer priority", "balance equalization", "appropriation amount equalization", and "priority order" is associated as a transfer method of a predetermined asset.

[0051] FIG. 4 is a diagram showing an example of the transfer of a predetermined asset in each transfer method. In FIG. 4, before the transfer, it is assumed that the requesting user and other users each hold a predetermined asset of "500 coins" and "1000 coins", and the transfer amount indicated by the transfer request information is "800 coins".

[0052] "Payer priority" means that all of the balance of the requesting user is transferred to the transfer destination user, and the shortage amount that the balance of the requesting user is insufficient for the transfer amount is transferred from other users. That is, the transfer control unit 136 calculates all of the balance of the requesting user as the transfer amount of the requesting user, and calculates, as the transfer amount of other users, the amount obtained by subtracting the balance of the requesting user from the transfer amount included in the transfer request information from the balance of other users.

[0053] "Balance Equalization" means calculating the transfer amount of the specified assets of each user so that the balances of the requesting user and other users after the transfer of the specified assets are equal. That is, in the case of "Balance Equalization", the transfer control unit 136 subtracts the transfer amount indicated by the transfer request information from the total balance of each user to calculate the total balance after the transfer. The transfer control unit 136 calculates a value obtained by dividing the calculated total balance after the transfer by the number of users participating as the transfer source (the number of payer wallets, "2" in Figure 4), and calculates the transfer amount so that the calculated value becomes the balance of each user after the transfer. That is, in the case of "Balance Equalization", the balance of any one of the requesting user and other users may increase compared to the balance before the transfer.

[0054] In the case of "Quota Equalization", the transfer control unit 136 calculates, as the transfer amount to be transferred from the wallet of each user, a value obtained by dividing the transfer amount indicated by the transfer request information by the number of users participating as the transfer source (the number of payer wallets). In the case of "Priority", information indicating the payment priority is associated with the token T. The transfer control unit 136 calculates the transfer amount so as to preferentially transfer the specified assets from the wallet of the user with the higher priority. Note that when the balance of one user is insufficient for the transfer amount, the transfer control unit 136 may transfer the shortage amount from the other user.

[0055] The transfer control unit 136 controls to transfer a predetermined amount of assets indicated by the transfer request information to an account for managing the predetermined assets of the transfer destination user from the sum of the balance of the predetermined assets associated with the token of the requesting user and the balance of the predetermined assets associated with the tokens of other users, based on the transfer method associated with the token. The transfer control unit 136 calculates the amount of the predetermined assets to be transferred from the wallets of the requesting user and other users based on the balance of the predetermined assets associated with the tokens T1 and T2 and the transfer method associated with the token T1 of the requesting user. The transfer control unit 136 transfers the calculated amount of the predetermined assets for each user from the wallets associated with the tokens T1 and T2 of each user to the account of the transfer destination user.

[0056] With the information processing apparatus 1 configured in this way, it is possible to flexibly determine the amount to be appropriated from the balance of each user when the balance is insufficient for the transfer amount.

[0057] [Flow of processing in the information processing apparatus 1] FIG. 5 is a flowchart showing the flow of processing in the information processing apparatus 1. The flowchart in FIG. 5 starts from the point in time when a transfer request is acquired.

[0058] The first acquisition unit 131 acquires transfer request information (S01). The second acquisition unit 132 acquires the token T1 of the requesting user included in the transfer request information (S02).

[0059] The first determination unit 133 determines whether or not it is possible to transfer the predetermined assets based on the balance of the predetermined assets associated with the token T1 of the requesting user and the transfer amount included in the transfer request information (S03). If it is determined that the predetermined assets can be transferred (YES in S03), the predetermined amount of assets indicated by the transfer request is transferred from the balance of the predetermined assets associated with the token T1 of the requesting user to the account of the transfer destination user (S04). Then, the information processing apparatus 1 ends the processing.

[0060] When it is determined that the specified asset cannot be transferred (NO in S03), another user's token T2 corresponding to the specified identification information included in token T1 is acquired (S05). The second determination unit 135 adds up the balance associated with token T1 and the balance associated with token T2, and determines whether the transfer of the specified asset indicated by the transfer request information is possible (S06).

[0061] When it is determined that the specified asset cannot be transferred (NO in S06), the display control unit 137 causes the information terminal 2 to display a screen indicating that the specified asset cannot be transferred (S07). When it is determined that the specified asset can be transferred (YES in S06), the specified asset is transferred from the balances associated with token T1 and token T2 respectively to the account of the transfer destination user (S08). Then, the information processing apparatus 1 ends the process.

[0062] <Second Embodiment> When the transfer control unit 136 transfers the specified asset from the balances of the requesting user and another user to the balance of the transfer destination user, the information processing apparatus 1 may be configured to adjust the balances of the requesting user and another user. The configuration of the information processing apparatus 1A in this case is shown in FIG. 6. The information processing apparatus 1A further includes a balance adjustment unit 138.

[0063] The balance adjustment unit 138 adjusts the balance based on the balance of each of the requesting user and another user, the transfer amount indicated by the transfer request information, and the transfer method associated with the token T of the requesting user or another user before or after the transfer.

[0064] When the transfer method is "payer first", the balance adjustment unit 138 adjusts the balance of the requesting user and the balances of other users so that a predetermined asset is transferred, which is the sum of (1) all of the balance of the requesting user and (2) the amount obtained by subtracting the balance of the requesting user from the transfer amount included in the transfer request information from the balances of other users. As an example, after the transfer of the predetermined asset, the balance adjustment unit 138 may transfer all of the balance of the requesting user to other users, or before the transfer, the balance may be adjusted so that the amount obtained by subtracting the balance of the requesting user from the transfer amount included in the transfer request information is transferred to the balance of the requesting user.

[0065] When the transfer method is "equal balance", when the transfer control unit 136 transfers a predetermined asset from the balances of the requesting user and other users to the balance of the destination user, the balance adjustment unit 138 adjusts the balance of the requesting user and the balances of other users so that the transfer amount from the requesting user and the transfer amount from other users are equal. The balance adjustment unit 138 determines the balance after transfer for each user so that the balances after transfer of the requesting user and other users are equal, and transfers a predetermined asset from one of the requesting user and other users to the other so that the determined balance is achieved.

[0066] When the transfer method is "equal appropriation amount", the balance adjustment unit 138 adjusts the balance of the requesting user and the balances of other users so that the transfer amount from the requesting user and the transfer amount from other users are equal. For example, when the transfer control unit 136 preferentially appropriates from the balance of the requesting user, the balance adjustment unit 138 transfers the excess transfer amount (hereinafter referred to as the "excess transfer amount"), which is the amount exceeding the value obtained by dividing the transfer amount indicated by the transfer request information by the number of users participating as transfer sources (the number of wallets of payers) among the amounts transferred from the balances of each user, to the balance of the user who has transferred in excess of the value obtained by dividing the excess transfer amount among other users. In this case, when the balance of the other user is less than the excess transfer amount, all of the balance of the other user is transferred to the balance of the user who has transferred in excess of the value obtained by dividing the excess transfer amount.

[0067] When the transfer method is "priority", the balance adjustment unit 138 adjusts the balance of the requesting user and the balances of other users so that when the transfer control unit 136 transfers a predetermined asset from the balances of the requesting user and other users to the balance of the destination user, the predetermined asset is preferentially transferred from the user with a higher priority. For example, for example, when the balance adjustment unit 138 is preferentially appropriated from the balance of the requesting user, and in token T, it is shown that another user has a higher priority than the requesting user, a predetermined asset is transferred from the balance of the other user (the user with a higher priority) to the balance of the requesting user (the user with a lower priority), with the transfer amount transferred by the other user as the upper limit.

[0068] With the information processing apparatus 1A configured in this way, even when users share balances with each other, a predetermined asset can be transferred according to a pre-determined rule.

[0069] <Modification Example 1> The information processing apparatus 1 may be configured to further determine whether an asset can be transferred. The data structure of token T in this case is shown in FIG. 7. Token T shown in FIG. 7 further includes a "transferable token ID". The "transferable token ID" indicates the token ID of the other party to whom a predetermined asset can be transferred.

[0070] The first determination unit 133 determines whether the user is able to transfer a predetermined asset based on whether the transferable token ID associated with the token T of the requesting user matches the token ID of the destination user. When the first determination unit 133 determines that the user is transferable based on the transferable token ID, it determines whether the predetermined asset can be transferred based on the balance of the predetermined asset associated with the token T of the requesting user and the transfer amount included in the transfer request information. When it is determined that the user is not a transferable user based on the transferable token ID, the display control unit 137 causes the information terminal 2 to display a screen indicating that the predetermined asset cannot be transferred. In the token T, instead of the "transferable token ID", a group indicating whether the predetermined asset can be transferred is associated, and the first determination unit 133 may determine whether the transfer is possible based on whether the group associated with the token T matches.

[0071] <Modification Example 2> In the above example, an example in which a wallet is associated with the token T has been described, but the remaining balance of the assets held by the user may be included in the token T. In this case, in the token T, as shown in FIG. 8, "remaining balance" is included instead of "wallet". The "remaining balance" indicates the remaining balance of the predetermined asset managed in the token T.

[0072] When transferring a predetermined asset, the transfer control unit 136 subtracts the amount to be transferred from each user from the remaining balance of the predetermined asset of each user associated with the tokens of the requesting user and other users, and associates the token T with each of the requesting user and other users and records and issues it on the blockchain B. Further, the transfer control unit 136 controls to associate a token obtained by adding the transfer amount to the remaining balance of the predetermined asset associated with the token of the destination user with the destination user and record and issue it on the blockchain B. When a token T associated with a new remaining balance is issued, the transfer control unit 136 invalidates each of the tokens before the transfer.

[0073] In addition, according to the present invention, it becomes possible to contribute to Goal 9, "Build the infrastructure for industry and technological innovation," of the Sustainable Development Goals (SDGs) led by the United Nations.

[0074] As described above, the present invention has been described using embodiments. However, 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. For example, all or part of the device can be configured by functionally or physically dispersing and integrating it in any unit. Also, new embodiments resulting from any combination of a plurality of embodiments are included in the embodiments of the present invention. The effects of the new embodiments resulting from the combination have the effects of the original embodiments combined.

Description of Reference Numerals

[0075] 1 Information processing device 2 Information terminal 11 Communication unit 12 Storage unit 13 Control unit 131 First acquisition unit 132 Second acquisition unit 133 First determination unit 134 Third acquisition unit 135 Second determination unit 136 Transfer control unit 137 Display control unit 138 Balance adjustment unit

Claims

1. A first acquisition step of acquiring transfer request information that requests a transfer of a predetermined asset and is executed by a computer, A second acquisition step of acquiring a token corresponding to predetermined identification information issued to a requesting user who requested a transfer of the asset related to the transfer request information, the token being associated with the balance of the predetermined asset held by the issued user, A first determination step of determining whether the transfer of the predetermined asset is possible based on the balance of the predetermined asset associated with the token of the requesting user and the transfer amount included in the transfer request information, A third acquisition step of acquiring, when it is determined in the first determination step that the transfer of the predetermined asset is not possible, the token corresponding to the predetermined identification information and issued to another user different from the requesting user, A second determination step of determining whether the transfer of the predetermined asset is possible based on the total value of the balance of the predetermined asset associated with the token of the requesting user and the balance of the predetermined asset associated with the token of the other user, and the transfer amount included in the transfer request information, A transfer control step of controlling to transfer the amount of the predetermined asset indicated by the transfer request information to an account for managing the predetermined asset of the transfer destination user included in the transfer request information from the total of the balance of the predetermined asset associated with the token of the requesting user and the balance of the predetermined asset associated with the token of the other user when it is determined in the second determination step that the transfer of the predetermined asset is possible, An information processing method having the above steps.

2. In the transfer control step, control is performed to transfer a part of the amount of the predetermined asset indicated by the transfer request information from the balance of the predetermined asset associated with the token of the other user and the remaining part of the amount of the predetermined asset indicated by the transfer request information from the balance of the predetermined asset associated with the token of the requesting user to the account of the transfer destination user included in the transfer request information. The information processing method according to Claim 1.

3. ​ In the transfer control step, a part of the predetermined assets in the balance of the predetermined assets associated with the token of another user is transferred to the requesting user in the amount indicated by the transfer request information, and all of the predetermined assets in the amount indicated by the transfer request information are transferred from the balance of the predetermined assets associated with the token of the requesting user to the account of the destination user included in the transfer request information for control. The information processing method according to claim 1.

4. The token is further associated with a method for transferring predetermined assets when the balance of the predetermined assets associated with the token of the requesting user is less than the transfer amount included in the transfer request information. In the transfer control step, based on the transfer method associated with the token, the balance of the predetermined assets associated with the token of the destination user included in the transfer request information is transferred from the total of the balance of the predetermined assets associated with the token of the requesting user and the balance of the predetermined assets associated with the token of the other user to the account for managing the predetermined assets for control. The information processing method according to claim 1.

5. When controlling the transfer of the predetermined assets from the balances of the requesting user and the other user to the balance of the destination user in the transfer control step, there is further a balance adjustment step of adjusting the balance of the requesting user and the balance of the other user so that all of the balance of the requesting user and the amount of the predetermined assets obtained by subtracting the balance of the requesting user from the transfer amount included in the transfer request information from the balance of the other user are transferred. The information processing method according to any one of claims 1 to 4.

6. When transferring the predetermined assets from the balances of the requesting user and the other user to the balance of the destination user in the transfer control step, there is further a balance adjustment step of adjusting the balance of the requesting user and the balance of the other user so that the balance of the requesting user and the balance of the other user become equal by transferring the predetermined assets from the balance of the requesting user to the balance of the other user. The information processing method according to any one of claims 1 to 4.

7. When transferring the predetermined assets from the balances of the requesting user and the other user to the balance of the transfer destination user in the transfer control step, a balance adjustment step of adjusting the balance of the requesting user and the balance of the other user so that the transfer amount from the requesting user and the transfer amount from the other user become equal is further included. The information processing method according to any one of claims 1 to 4.

8. When transferring the predetermined assets from the balances of the requesting user and the other user to the balance of the transfer destination user in the transfer control step, a balance adjustment step of adjusting the balance of the requesting user and the balance of the other user so that the predetermined assets are preferentially transferred from the user with a higher priority is further included. The information processing method according to any one of claims 1 to 4.

9. In a computer, a first acquisition step of acquiring transfer request information for requesting transfer of predetermined assets; a second acquisition step of acquiring a token corresponding to predetermined identification information issued to a requesting user who has requested transfer of assets related to the transfer request information, the token being associated with the balance of the predetermined assets held by the issued user; a first determination step of determining whether the transfer of the predetermined assets is possible based on the balance of the predetermined assets associated with the token of the requesting user and the transfer amount included in the transfer request information; a third acquisition step of acquiring the token corresponding to the predetermined identification information and issued to another user different from the requesting user when it is determined in the first determination step that the transfer of the predetermined assets is not possible; a second determination step of determining whether the transfer of the predetermined assets is possible based on the total value of the predetermined assets associated with the token of the requesting user and the balance of the predetermined assets associated with the token of the other user and the transfer amount included in the transfer request information; a transfer control step of controlling to transfer the amount of the predetermined assets indicated by the transfer request information to an account for managing the predetermined assets of the transfer destination user indicated by the transfer request information from the total of the balance of the predetermined assets associated with the token of the requesting user and the balance of the predetermined assets associated with the token of the other user when it is determined in the second determination step that the transfer of the predetermined assets is possible. A program for execution.

10. A first acquisition unit that acquires transfer request information requesting transfer of a predetermined asset; A second acquisition unit that acquires a token corresponding to predetermined identification information issued to a requesting user who requested transfer of the asset related to the transfer request information, the token being associated with the balance of the predetermined asset held by the issued user; A first determination unit that determines whether transfer of the predetermined asset is possible based on the balance of the predetermined asset associated with the token of the requesting user and the transfer amount included in the transfer request information; A third acquisition unit that, when the first determination unit determines that the predetermined asset cannot be transferred, acquires the token corresponding to the predetermined identification information and issued to another user different from the requesting user; A second determination unit that determines whether transfer of the predetermined asset is possible based on the total value of the predetermined asset associated with the token of the requesting user and the balance of the predetermined asset associated with the token of the other user, and the transfer amount included in the transfer request information; A transfer control unit that, when the second determination unit determines that the predetermined asset can be transferred, controls to transfer the amount of the predetermined asset indicated by the transfer request information to an account for managing the predetermined asset of the transfer destination user included in the transfer request information from the total of the balance of the predetermined asset associated with the token of the requesting user and the balance of the predetermined asset associated with the token of the other user; An information processing apparatus having the above.

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