Mediation system, computer-implemented method, and computer program

Abstract

To improve convenience by reducing the inconvenience even when approval of a transaction of a cryptographic asset takes time.SOLUTION: A mediation system according to this disclosure is for mediating between a first user who is transmitting a cryptographic asset and a second user. The mediation system is configured to perform processing including guaranteeing or implementing payment to the second user before approval of a transaction of transmission of a cryptographic asset to an account for receiving the cryptographic asset transmitted from the first user is completed, when the transaction is detected.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present disclosure relates to an intermediation system, a computer-implemented method, and a computer program product. [Background technology]

[0002] Cryptocurrency transactions are recorded in a distributed ledger system such as a blockchain. When a cryptocurrency transaction, such as sending a cryptocurrency, occurs, a transaction (transaction data) is generated. The transaction is mined by a miner and approved. Once approved, the transaction is added to a new block on the blockchain. Once the transaction is approved, the cryptocurrency transaction is completed. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent No. 6931951 Summary of the Invention

[0004] Crypto assets are sometimes used in transactions such as buying, selling, and remittance between a first user and a second user. However, there is a problem in that it generally takes time for crypto asset transactions to be approved on the blockchain. For example, it can take about an hour for a transaction to be approved.

[0005] If it takes a long time for a transaction to be approved, it may take a long time to complete the purchase, sale, transfer, etc. of crypto assets, which may cause inconvenience to the first user or the second user.

[0006] Therefore, even if it takes a long time for cryptocurrency transactions to be approved, it is desirable to reduce this inconvenience and increase convenience.

[0007] One aspect of the present disclosure is a system that acts as an intermediary between a first user who sends crypto assets and a second user, and is configured to perform a process that includes, upon detecting a transaction of sending crypto assets from the first user to an account for receiving the crypto assets, guaranteeing or making a payment to the second user before approval of the transaction is completed.

[0008] Another aspect of the present disclosure is a method for mediating between a first user sending crypto assets and a second user, the method including: upon detecting a transaction of sending crypto assets from the first user to an account for receiving the crypto assets, making or ensuring payment to the second user before approval of the transaction is complete.

[0009] Another aspect of the present disclosure is a computer program that causes a computer to execute a process to mediate between a first user who sends crypto assets and a second user, the process including, upon detecting a transaction of sending crypto assets to an account for receiving the crypto assets sent from the first user, making or guaranteeing payment to the second user before approval of the transaction is completed.

[0010] Further details will be described in the following embodiments. [Brief explanation of the drawings]

[0011] [Figure 1] FIG. 1 is a diagram showing the network configuration of an intermediary system, etc. [Figure 2] FIG. 2 is a flowchart showing a processing procedure in the intermediary system. [Figure 3] FIG. 3 is a diagram showing an example of the provision of products / services using crypto assets. [Figure 4]FIG. 4 is a flowchart showing an example of the procedure for providing products / services using crypto assets. [Figure 5] FIG. 5 is a diagram showing a comparative example of providing a product service using crypto assets. [Figure 6] FIG. 6 is a diagram showing an example of cryptocurrency remittance. [Figure 7] FIG. 7 is a flowchart showing an example of the procedure for transferring cryptocurrency. [Figure 8] FIG. 8 is a diagram showing a comparative example of cryptocurrency remittance. DETAILED DESCRIPTION OF THE INVENTION

[0012] 1. Overview of the Intermediary System, Computer Implementation Method, and Computer Program

[0013] (1) A system according to an embodiment may be an intermediary system that mediates between a first user who sends crypto assets and a second user. The intermediary system according to an embodiment may be configured to execute a process that, upon detecting a transaction of sending crypto assets to an account for receiving the crypto assets sent from the first user, guarantees or makes payment to the second user before approval of the transaction is complete. According to the intermediary system according to an embodiment, even if approval of the transaction takes time, payment to the second user is made or guaranteed before approval of the transaction is complete, thereby enhancing convenience.

[0014] (2) Ensuring payment to the second user may include sending a notice to the second user.

[0015] (3) The process may include, after sending the notification, the intermediary system sending cryptocurrency or other value data to the second user's account for payment to the second user.

[0016] (4) Making the payment to the second user may include the intermediary system sending cryptocurrency or other value data to the second user's account.

[0017] (5) A method according to an embodiment may be a computer-implemented method executed by a computer to mediate between a first user who transmits crypto assets and a second user. The computer-implemented method according to an embodiment may include, upon detecting a transaction of transmitting crypto assets from the first user to an account for receiving the crypto assets, making or guaranteeing payment to the second user before completing approval of the transaction.

[0018] (6) Ensuring payment to the second user may include sending a notice to the second user.

[0019] (7) A method according to an embodiment may be a computer-implemented method executed by a computer for selling a product or service using the method described in (5) above. The computer-implemented method according to an embodiment may include processing the provision of the product or service to the first user once payment to the second user is guaranteed or effected by the method described in (5) above.

[0020] (8) Making a payment to the user may include the system managing the account sending cryptocurrency or other value data to the second user's account.

[0021] (9) In an embodiment, the computer program may cause a computer to perform processing including, when detecting a transaction of sending crypto assets to an account for receiving crypto assets sent from a first user to mediate between the first user sending crypto assets and a second user, making or guaranteeing payment to the second user before approval of the transaction is completed.

[0022] 2. Examples of Intermediary Systems, Computer-Implemented Methods, and Computer Programs

[0023] Hereinafter, the embodiments will be described in more detail with reference to the drawings.

[0024] FIG. 1 shows an intermediary system 10 according to an embodiment and elements related to the intermediary system 10. The intermediary system 10 mediates commercial transactions involving the transmission of crypto assets between a first user 51 and a second user 52. Commercial transactions involving the transmission of crypto assets include, for example, the sale of goods / services or remittance of money. Crypto assets are used in commercial transactions mediated by the intermediary system 10.

[0025] Crypto assets are digital assets managed using distributed ledger technology such as blockchain. Crypto assets are tokens such as Bitcoin, Ethereum, NEM, or Ripple. Crypto assets may also be stablecoins or central bank digital currencies (CBDCs). Crypto assets may also be referred to as virtual currencies.

[0026] Users 51 and 52, for example, use terminals 31 and 32 to conduct commercial transactions. If the commercial transaction is the sale of a product / service, first user 51 may be a purchaser (consumer) of the product / service, and second user 52 may be a seller of the product / service. Terminals 31 and 32 may be connected to intermediary system 10 via network 15. Terminals 31 and 32 are capable of communicating with intermediary system 10.

[0027] When the transaction is the sale of a product / service, the terminal 31 may be, for example, a smartphone, tablet, or personal computer owned by a first user 51 who is a consumer of the product / service. The terminal 32 may be a smartphone, tablet, personal computer, unmanned vending machine, or other device installed in a store owned by a second user 52 who is a seller of the product / service, or a computer for providing the product / service online, such as an online shop or online game.

[0028] When the transaction is a money transfer, the terminal 31 may be, for example, a smartphone, tablet, or personal computer owned by a first user 51 who is the sender, and the terminal 32 may be, for example, a smartphone, tablet, or personal computer owned by a second user 52 who is the recipient. The computers used by the users 51 and 52 do not need to be client terminals, but may also be server computers.

[0029] The intermediary system 10 may be configured as a server 10 on a network 15. The server 10 executes processing for mediating commercial transactions between a first user 51 and a second user 52. The server 10 may be configured by one or more computers each including a processor and a storage device connected to the processor. As an example, the server 10 may be configured by a cloud server.

[0030] The storage device of the server 10 includes, for example, a primary storage device and a secondary storage device. The primary storage device is, for example, RAM. The secondary storage device is, for example, a hard disk drive (HDD) or a solid state drive (SSD). The storage device includes a computer program executed by the processor. The processor of the server 10 reads and executes the computer program stored in the storage device. The computer program has program code representing instructions for causing a computer to operate as the intermediation system 10 according to the embodiment.

[0031] The server 10 is capable of communicating with terminals 31 and 32 (user computers) via a network 15.

[0032] A first user 51 may transmit crypto assets on a distributed ledger system such as the blockchain 20 as a commercial transaction with a second user 52. Here, the first user 51 is the sender (payer) of the crypto assets. The second user 52 is normally the recipient (payee) of the transmitted crypto assets, but in the embodiment, the second user 52 is not the direct recipient of the crypto assets transmitted by the first user 51. In the embodiment, the crypto assets transmitted by the first user 51 are received by the intermediary system 10. That is, the crypto assets are transmitted from the account of the first user 51 to an account (receiving account) of the intermediary system 10. Instead of receiving the crypto assets directly from the first user 51, the second user 52 receives value data equivalent to the crypto assets transmitted by the first user 51 from the intermediary system 10.

[0033] When the first user 51 performs an operation to send crypto assets on the terminal 31, a transaction (transaction data) occurs on a distributed ledger system such as a blockchain (see step S201 in Figure 2). The transaction that occurs here is transaction data indicating that crypto assets have been sent to a receiving account. The transaction is approved by being mined. Once the transaction is approved, the sending of the crypto assets is complete. However, it may take a long time from the time the transaction occurs until it is approved.

[0034] The intermediary system 10 according to the embodiment supports the smooth execution of commercial transactions involving transaction approval, which can take a long time, by acting as an intermediary between the first user 51 and the second user 52. To this end, the intermediary system 10 monitors whether a transaction involving a receiving account has occurred, and if a transaction has occurred, it considers the transmission of crypto assets to be complete without waiting for transaction approval.

[0035] The intermediary system 10 considers the transmission of the crypto asset to be complete even if the transmission has not actually been completed, and executes the processing required to complete the commercial transaction between the first user 51 and the second user (step S202 in FIG. 2). For example, the intermediary system 10 guarantees payment to the second user 52, who is the intended recipient of the transmitted crypto asset, and executes the payment of the second user 52 (step S202). This allows the second user 52 to take the next action, assuming that the transmission has been completed, even if the transmission of the crypto asset by the first user 51 has not been completed. Furthermore, the intermediary system 10 can execute processing for the next action, assuming that the transmission has been completed.

[0036] The next action is, for example, an action in the commercial transaction involving the transmission of crypto assets, or an action in another commercial transaction. The action in the commercial transaction involving the transmission of crypto assets is, for example, the provision of a product / service in exchange for the transmitted crypto assets. The intermediary system 10 may execute processing for the provision of the product / service. In this case, the second user 52 can provide the product / service to the first user 51 promptly. As a result, the convenience for the first user 51 is increased. Note that the high convenience for the first user 51 can also be reflexively perceived as the high convenience for the second user 52.

[0037] The next action in another commercial transaction is, for example, an action in another commercial transaction that uses the remittance as payment or remittance source. The intermediation system 10 may execute processing for (intermediating) the other commercial transaction. In this case, the second user 52 can use the remittance early. As a result, the convenience for the second user 52 is increased. Note that the high convenience for the second user 52 can also be reflexively perceived as the high convenience for the first user 51.

[0038] As described above, by using the intermediary system 10, commercial transactions between the first user 51 and the second user 52 can be completed quickly, and convenience for the first user 51 or the second user 52 is improved.

[0039] In addition, when a transaction involving a receiving account occurs, the intermediary system 10 may, if necessary, check the credit information of the first user 51 and, if the first user 51 is trustworthy, execute processing for the next action. In addition, since the transaction that occurred includes the amount of cryptocurrency sent, it may be determined whether the required amount of cryptocurrency has been sent prior to executing processing for the next action. Since the transaction that occurred also includes the sender's account, it may also be confirmed that the sender's account prior to executing processing for the next action.

[0040] 3 and 4 show an example of the procedure when the intermediary system 10 mediates the provision of goods / services with payment of crypto assets. In FIGS. 3 and 4, the first user 51 is shown as a "consumer" and the second user 52 is shown as a "business operator."

[0041] 4, consumer 51 operates terminal 31 (executes a payment initiation action) to start the payment process (step S401) to purchase a product / service from merchant 52. Note that the start of the payment process may also be performed by merchant 52 operating terminal 32 (executing the payment initiation action).

[0042] When an action to start payment is taken, the intermediary system 10 sets a receiving address (receiving account) for receiving crypto assets from the consumer 51 (step S402). The receiving account is an account through which the intermediary system 10 receives crypto assets. The receiving account is, for example, a wallet address (intermediary wallet address: see Figure 3) set by the administrator (intermediary) of the intermediary system on the blockchain 20.

[0043] The receiving account may be, for example, a disposable account used for one-time receiving or a reusable account used for multiple receiving. The receiving account may be appropriately selected from multiple accounts or may be preset.

[0044] The receiving account is notified to the consumer 51 who is the sender of the cryptocurrency. For example, the intermediary system 10 transmits the receiving account to the dealer terminal 32 (step S403), and the dealer 52 notifies the consumer 51. For example, the dealer terminal 32 displays a two-dimensional code indicating the receiving account, and the consumer terminal 31 reads the two-dimensional code, allowing the consumer terminal 31 to obtain the receiving account. The receiving account may be transmitted from the dealer terminal 32 to the consumer terminal 31 via wireless communication such as near-field wireless communication.

[0045] The receiving account may also be transmitted from the intermediary system 10 to the consumer terminal 31 (step S404).

[0046] The consumer 51 operates the consumer terminal 31 that has acquired the receiving account (intermediary wallet address) to send the cryptocurrency required to purchase the product / service to the receiving account (step S405 in Figures 3 and 4). The quantity of cryptocurrency to be sent is, for example, the quantity of cryptocurrency equivalent to the price of the product / service, or the quantity of cryptocurrency equivalent to the total amount of the price of the product / service plus the intermediary's commission or other fees.

[0047] When the consumer 51 performs an operation to send crypto assets on the terminal 31, a transaction occurs. The transaction that occurs here is a transaction of sending crypto assets from the wallet address of the consumer 51 to the intermediary wallet address, which is the receiving account. When the intermediary system 10 detects a transaction that includes the receiving account as the destination (step S406), it executes a process to guarantee payment to the dealer 52 before approval of the transaction is completed (before the sending of the crypto assets is completed). The process of guaranteeing payment to the dealer 52 is, for example, sending a transmission confirmation notice from the intermediary system 10 to the dealer terminal 32 (step S407 in Figures 3 and 4).

[0048] The transmission confirmation notice is, for example, a notice informing the trader 52 that cryptocurrency has been sent from the consumer 51. The intermediary system 10 guarantees payment of the amount equivalent to the cryptocurrency sent by the consumer 51 to the trader 52 that received the transmission confirmation notice. Therefore, the trader 52 that received the transmission confirmation notice can provide a product / service to the consumer 51 with peace of mind, even before transaction approval is complete, because payment is guaranteed by the intermediary system 10 (intermediary) (step S408 in Figures 3 and 4). The process of providing the product / service to the consumer 51 may be executed by the intermediary system 10.

[0049] Thereafter, the intermediary system 10 detects that the transaction has been approved (transmission completed) (step S409). When the completion of transmission is detected in step S409, the cryptocurrency sent from the consumer 51 is received in the receiving account. The intermediary system 10 sends value data equivalent to the cryptocurrency sent from the consumer 51 to the account of the agent 52 (remittance processing; step S410).

[0050] The value data sent to the account of the trader 52 may be the same type of cryptocurrency as the cryptocurrency received in the receiving account (intermediary wallet address), or it may be a different type of cryptocurrency, or it may be a transmission of other electronic value data (e.g., a bank transfer of fiat currency).

[0051] The value data transmitted from the intermediary system 10 to the trader 52 is the amount equivalent to the cryptocurrency received from the consumer 51 in the receiving account. The value data equivalent to the received cryptocurrency may be the same amount as the received cryptocurrency, or may be the amount obtained by subtracting a fee from the received cryptocurrency.

[0052] The remittance process in step S410 may be executed at the time of step S407. That is, the remittance process may be executed at the time when a transaction has occurred but not yet been approved. In this case, the intermediary system 10 will have remitted the crypto asset to the provider 52 on behalf of the consumer 51 before the crypto asset has been completely transferred from the consumer 51. The value data transmitted in this remittance may be crypto asset or other value data.

[0053] Furthermore, if the value data to be remitted on behalf of a consumer is a cryptocurrency, it may take time to approve the remittance transaction. However, if the remittance transaction is conducted by an intermediary system 10 that is more reliable than an individual consumer 51, the merchant 52 can provide the product / service to the consumer 51 with peace of mind.

[0054] For example, if the terminal 32 of the merchant 52 is a vending machine 32, the consumer 51 can select a product from the vending machine 32 and pay for the selected product with cryptocurrency (step S405). In this case, once the occurrence of the transaction of sending the cryptocurrency is confirmed, the vending machine 32 dispenses the selected product (step S408). Therefore, the consumer 51 can quickly obtain the product without waiting for transaction approval.

[0055] If the terminal 32 of the merchant 52 is a real game machine 32, the consumer 51 transmits crypto assets equivalent to the game fee (step S405). In this case, once the transaction of transmitting the crypto assets is confirmed, the game machine 32 starts playing the game. Therefore, the consumer 51 can quickly start playing the game without waiting for transaction approval.

[0056] If the service provided by the provider 52 is a paid online game, the consumer 51 sends crypto assets equivalent to the game fee (step S405). In this case, once the transaction of sending the crypto assets is confirmed, the online game system 32 starts playing the game. Therefore, the consumer 51 can start playing the game quickly without waiting for transaction approval.

[0057] When the merchant 52 sells a product on the online shop 32, the consumer 51 can select the product on the online shop 32 and pay for the selected product with cryptocurrency (step S405). In this case, once the transaction of sending the cryptocurrency is confirmed, the online shop 32 executes a process to deliver the selected product to the consumer 51 (step S408). Therefore, the consumer 51 can quickly complete the purchase of the product.

[0058] FIG. 5 shows a comparative example of the provision of goods / services with payment of cryptocurrency. In the comparative example, the intermediary system 10 is not used. In the comparative example, the consumer 51 sends cryptocurrency directly to the merchant 52 (step S501). When the consumer 51 sends the cryptocurrency, a transaction for the transmission occurs. The merchant 52 waits for approval of the transaction, which takes time. Once the approval of the transaction is complete, the merchant 52 is in a state of having received the cryptocurrency sent by the consumer 51 (step S502). The merchant 52 then provides the goods / services to the consumer 51 (step S503). In the comparative example, the goods / services are provided to the consumer after the transaction is approved. As a result, it takes time to provide the goods / services to the consumer, resulting in low consumer convenience.

[0059] Furthermore, when the intermediary system 10 is not used as in the comparative example, it is not impossible for the trader 52 to provide a product / service to the consumer before the transaction is approved. However, in this case, the trader 52 bears the risk, and the convenience for the trader 52 decreases. On the other hand, when the intermediary system 10 according to the embodiment is used, the risk for the trader 52 can be reduced, ensuring the convenience for the trader while also increasing the convenience for the consumer 51.

[0060] Figures 6 and 7 show an example of the procedure when the intermediary system 10 mediates the remittance of crypto assets. In Figures 6 and 7, the first user 51 is shown as the "sender" of the crypto assets, and the second user 52 is shown as the "receiver."

[0061] 7, the sender 51 operates the terminal 31 (executes a remittance start action) to start processing for remittance to the receiver 52 (step S701). As shown in FIG. 7, step S701 is also a transmission intermediation request from the terminal 31 to the intermediation system 10.

[0062] After step S701, the intermediary system 10 sets a receiving address (receiving account) (step S702). For step S702 and the receiving account, the explanation for step S402 and the receiving account in step S402 is cited.

[0063] The receiving account is transmitted, for example, from the intermediary system 10 to the sender terminal 31 (step S703).

[0064] The sender 51 operates the sender terminal 31 that has acquired the receiving account (intermediary wallet address) to send crypto assets equivalent to the amount they wish to remit to the receiving account (step S704 in Figures 6 and 7). The quantity of crypto assets to be sent is, for example, the same quantity of crypto assets as the amount they wish to remit, or the quantity of crypto assets equivalent to the total amount obtained by adding the intermediary's commission or other commission to the quantity of crypto assets equivalent to the amount they wish to remit.

[0065] When the sender 51 performs an operation to send crypto assets on the terminal 31, a transaction occurs. The transaction that occurs here is a transaction of sending crypto assets from the wallet address of the sender 51 to the intermediary wallet address, which is the receiving account. When the intermediary system 10 detects a transaction that includes the receiving account as the destination (step S705), it executes a remittance process to advance payment to the receiver 52 before the approval of the transaction is completed (before the sending of the crypto assets is completed) (step S706). This allows the receiver 52 to receive the remittance before the transaction is approved (step S707). Once the transaction approval is completed, the intermediary system 10 can collect the amount advanced (step S708).

[0066] The advance remittance process in step S706 involves sending value data equivalent to the cryptocurrency sent by the sender 51 to the account of the recipient 52. The value data sent to the account of the recipient 52 may be the same type of cryptocurrency as the cryptocurrency received in the receiving account (intermediary wallet address), or may be a different type of cryptocurrency, or may be the transmission of other electronic value data (for example, a bank transfer of fiat currency).

[0067] The value data transmitted from the intermediary system 10 to the receiver 52 is the amount equivalent to the crypto asset received in the receiving account from the sender 51. The value data equivalent to the received crypto asset may be the same amount as the received crypto asset, or may be the amount obtained by subtracting a fee from the received crypto asset.

[0068] Furthermore, if the value data being remitted on behalf of the recipient is cryptocurrency, it may take time to approve the remittance transaction, but if the remittance transaction is conducted by an intermediary system 10 that is more trustworthy than an individual sender 51, the recipient 52 can feel at ease early on.

[0069] In addition, if the intermediary system 10 also provides a wallet application service that manages the accounts of users such as the recipient 52, the balance of crypto assets displayed in the user's wallet application before the transaction is approved may be set to the balance at the time of completion after the transaction is approved.

[0070] For example, suppose that the balance of cryptocurrency in the wallet address (recipient account) of recipient 52 is X, and then sender 51 sends Y cryptocurrency. In this case, intermediary system 10 can set the balance of cryptocurrency displayed in the wallet application of recipient 52 to (X+Y) before the sending transaction approval for Y is completed.

[0071] Of the cryptocurrency balance (X+Y) displayed before transaction approval, an amount equivalent to Y can be secured by cryptocurrency held by the intermediary system 10 (intermediary). The recipient 52 can send an amount of cryptocurrency exceeding X within the range of (X+Y) on the wallet application, even before the sending transaction of Y from the sender 51 is approved. In this case, the recipient 52 can use the cryptocurrency sent from the sender 51 before actually receiving it (before the transaction is approved).

[0072] For example, the recipient 52 can perform an operation to send crypto assets of (X+Y) to a third party's wallet address. In this case, the actual owner of the crypto asset Y of (X+Y) is the intermediary system 10 (intermediary), so on the blockchain 20, a first transaction occurs in which X is sent from the recipient 52 to the third party, and a second transaction occurs in which Y is sent from the intermediary system 10 (intermediary) to the third party. The third party can receive a total of (X+Y) from the recipient 52 and the intermediary system 10.

[0073] As described above, the process of increasing the balance displayed in the wallet of the recipient 52 according to the sent amount before the transaction is approved may be performed even when the value data sent to the recipient 52 is something other than cryptocurrency. By increasing the balance displayed in the wallet of the recipient 52 early according to the sent amount, the recipient 52 can confirm the remittance early.

[0074] FIG. 8 shows a comparative example of cryptocurrency remittance. In this comparative example, the intermediary system 10 is not used. In this comparative example, the sender 51 directly transmits the cryptocurrency to the recipient (step S806). When the sender 51 transmits the cryptocurrency, a transmission transaction occurs. The recipient 52 waits for approval of the transaction, which takes time. Once the transaction approval is complete, the recipient 52 is in a state of having received the cryptocurrency transmitted from the sender 51 (step S807). For example, the balance of the recipient 52's wallet increases at the time of step S807. After step S807, the recipient 52 can use the received cryptocurrency. In this comparative example, the recipient 52 can only receive the cryptocurrency after the transaction is approved. This means that it takes time for the recipient 52 to be able to use the cryptocurrency, which reduces the convenience of the receiving consumer. On the other hand, using the intermediary system 10 according to the embodiment can improve the convenience of the recipient 52.

[0075] The present invention is not limited to the above-described embodiment, and various modifications are possible. [Explanation of symbols]

[0076] 10: Intermediary system 15: Network 20: Blockchain 31: Terminal 32: Terminal 51: First user 52: Second user

Claims

1. An intermediation system that mediates between a first user who transmits crypto assets and a second user, Upon detecting a transaction of sending cryptocurrency to an account for receiving cryptocurrency sent from the first user, guaranteeing or effecting payment to the second user before approval of the transaction is completed; an intermediary system configured to perform processing including:

2. and securing payment to the second user includes sending a notification to the second user. The intermediation system of claim 1 .

3. the process includes, after sending the notification, sending cryptocurrency or other value data to the account of the second user for effecting payment to the second user; The intermediation system according to claim 2 .

4. Making the payment to the second user includes sending cryptocurrency or other value data to an account of the second user. The intermediation system of claim 1 .

5. A computer-implemented method executed by a computer for intermediating between a first user who transmits crypto assets and a second user, comprising: Upon detecting a transaction of sending cryptocurrency to an account for receiving cryptocurrency sent from the first user, making or guaranteeing payment to the second user before completing approval of the transaction; A computer-implemented method comprising:

6. securing payment to the second user includes sending a notification to the second user. The computer-implemented method of claim 5 .

7. 10. A computer-implemented method executed by a computer for selling goods or services utilizing the method of claim 5, comprising: and once payment to the second user has been secured or effected by the method of claim 5, processing the provision of goods or services to the first user. A computer-implemented method comprising:

8. and making the payment to the user includes the system managing the account transmitting cryptocurrency or other value data to the account of the second user. The computer-implemented method of claim 5 .

9. A computer program that causes a computer to perform a process that includes, in order to mediate between a first user sending crypto assets and a second user, upon detecting a transaction of sending crypto assets to an account for receiving the crypto assets sent from the first user, making or guaranteeing payment to the second user before approval of the transaction is completed.

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