Information processing system, information processing method, and program

Abstract

To pay consideration for investment with a type of currency selected by a person who performs the investment by using cryptographic assets.SOLUTION: In a CPU 11 of a management server 1 constituting an information processing system for managing a first transfer for transferring cryptographic assets owned in a first other information processing system by a first kind user to a second user, an information acquisition unit 31 acquires contract information including types of one or more cryptographic assets and one or more legal tenders to be consideration for the first transfer, a payment time of the consideration for the first transfer, and an interest rate of the consideration for the first transfer as information selected by the first user included in contents of a contract related to the first transfer, a first transfer management unit executes the first transfer on the basis of the contract information, and manages the first transfer information related to the first transfer, and a consideration payment control unit 34 executes control for paying the consideration to the first user with a type of currency specified from the contract information at the payment time for the consideration.SELECTED DRAWING: Figure 3

Description

[Technical Field]

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

[0002] There is known a technology for supporting the management of investment assets such as stocks and bonds (see, for example, Patent Document 1). In such a technology, legal tender such as the Japanese yen is used when trading investment assets or performing tax calculations. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Publication No. 2020-144610 Summary of the Invention [Problem to be solved by the invention]

[0004] However, when investment assets are crypto assets, they are used in transactions and tax calculations, and therefore crypto assets must be converted into legal tender for each transaction and tax calculation. In particular, at least some of those who manage their assets using crypto assets will receive compensation for their investments in crypto assets, and therefore there is a need to receive compensation in a specified legal tender currency or type of crypto asset. Furthermore, those who manage their assets using crypto assets also have a need to receive compensation in any form of asset (e.g., points, rights to receive services, etc.), not just currency.

[0005] The present invention has been made in light of this situation, and aims to enable compensation for asset management to be paid in a specified form, such as the type of currency specified in the contract terms selected by the person managing assets using crypto assets. [Means for solving the problem]

[0006] In order to achieve the above object, one aspect of the present invention is to An information processing system that manages a first transfer in which a crypto asset owned by a first type user on a first other information processing system is transferred to a second type user, The information selected by the first type user included in the content of the first transfer agreement is: One or more crypto assets and one or more legal tender currencies that will be the consideration for the first transfer; the timing of payment of said consideration for said first assignment; the interest rate on said consideration for said first assignment; a contract information acquisition means for acquiring contract information including the a first transfer management means for implementing the first transfer based on the contract information and managing first transfer information relating to the first transfer; a consideration payment control means for executing control to pay the consideration to the first-class user in a currency type specified by the contract information at the time of payment of the consideration; The information processing system includes:

[0007] An information processing method and a program corresponding to the information processing system according to one aspect of the present invention are also provided as an information processing method and a program corresponding to the information processing system according to one aspect of the present invention. [Effects of the Invention]

[0008] According to the present invention, compensation for asset management is paid in a specified form, such as the type of currency specified in the contract content, depending on the contract content selected by the person managing assets using crypto assets. [Brief explanation of the drawings]

[0009] [Figure 1] 1 is a diagram showing an example of the overall configuration of an information processing system for providing services using an information processing system according to an embodiment of the present invention, the information processing system including the information processing system. [Figure 2] FIG. 2 is a block diagram illustrating an example of a hardware configuration of a management server according to the present embodiment. [Figure 3] A functional block diagram showing an example of the functional configuration of the management server, cryptocurrency holder terminal, service provider terminal, and DeFi operator terminal. [Figure 4] 10 is a flowchart illustrating an example of a processing flow of a management server. [Figure 5] FIG. 2 is a conceptual diagram showing a specific example of the present service to which the information processing system of FIG. 1 is applied. [Figure 6] FIG. 10 is a diagram showing a specific example of a user interface displayed on a cryptocurrency holder terminal. DETAILED DESCRIPTION OF THE INVENTION

[0010] Hereinafter, this embodiment will be described with reference to the drawings. <Information Processing System S> FIG. 1 is a diagram showing an example of the overall configuration of an information processing system S for providing a service (hereinafter referred to as "this service") using an information processing system according to one embodiment of the present invention. The information processing system according to one embodiment of the present invention is an information processing system applied to this service, which supports the operation and management of crypto assets on a specified platform (hereinafter referred to as "other information processing system") using a blockchain network.

[0011] Here, "crypto assets" refers to financial assets that can be exchanged over the Internet and have the following characteristics: (1) they can be used by anyone, (2) they can be exchanged for legal tender, (3) they are electronically recorded and transferable, and (4) they are not legal tender or assets denominated in legal tender (such as prepaid cards). Examples of crypto assets include virtual currencies such as Bitcoin and Ethereum, as well as tokens.

[0012] For example, the other information processing system may be a blockchain network that manages crypto assets. Here, the blockchain network may be a platform that implements a so-called smart contract function that automatically executes predetermined processing on the blockchain network. For example, the other information processing system may be composed of nodes in a blockchain network for a specific virtual currency such as Bitcoin or Ethereum. In other words, the blockchain (a series of data in which data called blocks are linked together like a chain) managed by the other information processing system serves as a ledger for managing a specific type of crypto-asset. On the other hand, the information processing system according to one embodiment of the present invention supports the management of consideration for the transfer of crypto assets on another information processing system that serves as a master ledger for managing a specified type of crypto asset.

[0013] In the following description, each of the multiple other information processing systems will be described as enabling transactions of multiple types of currencies. That is, for example, the first other information processing system will be described as realizing transactions of a first type of virtual currency or token, and the second other information processing system will be described as realizing transactions of a second type of virtual currency or token.

[0014] However, the second other information processing system of the second type may be realized as an application on the first other information processing system of the first type. Specifically, for example, the second information processing system may be realized by implementing a smart contract that executes processing related to the second type in the first other information processing system of the first type (blockchain network).

[0015] The information processing system S according to this embodiment can support the operation and management of a plurality of types of crypto assets (virtual currencies, tokens, etc.) managed on a plurality of other information processing systems.

[0016] The operation and management of crypto assets includes events such as mark-to-market, settlement, interest, and trading. Of these, "mark-to-market" includes calculating the current market value of crypto asset tokens. "Settlement" includes calculating the current market value of tokens on a predetermined closing date. "Interest" includes providing investment income (rewards) based on the increase or decrease in the remaining tokens in the blockchain network, and obtaining the latest data from the blockchain network. "Trading" includes processing raw data obtained from the blockchain.

[0017] The information processing system S is configured by connecting a management server 1, cryptocurrency holder terminals 2-1 to 2-n (n is an integer value of 1 or greater), a service provider terminal 3, DeFi operator terminals 4-1 to 4-m (m is an integer value of 1 or greater), and DeFi user terminals 5-1 to 5-p (p is an integer value of 1 or greater) via a network N. The network N is, for example, the Internet, a LAN (Local Area Network), a VPN (Virtual Private Network), etc.

[0018] Hereinafter, when there is no need to explain each of the cryptocurrency holder terminals 2-1 to 2-n individually, they will be collectively referred to as the "cryptocurrency holder terminal 2," and when there is no need to explain each of the DeFi operator terminals 4-1 to 4-m individually, they will be collectively referred to as the "DeFi operator terminal 4." Furthermore, when there is no need to explain each of the DeFi user terminals 5-1 to 5-p individually, they will be collectively referred to as the "DeFi user terminal 5."

[0019] (Management Server 1) The management server 1 is an information processing device that serves as a server that manages the entire information processing system S. The management server 1 is managed by a service provider. The service provider terminal 3 is capable of executing predetermined application programs that enable the information processing system S and other information processing systems to be used. The management server 1 acquires various information transmitted from each of the cryptocurrency holder terminal 2, the service provider terminal 3, the DeFi operator terminal 4, and other information processing systems, and is capable of performing various processes. The management server 1 also transmits various information to each of the cryptocurrency holder terminal 2, the service provider terminal 3, the DeFi operator terminal 4, and other information processing systems, and is capable of performing various processes.

[0020] Here, "service provider" refers to the person providing this service. The service provider uses information processing system S as a Type 2 user, and also uses other information processing systems. The service provider receives funds in the form of Type 1 cryptocurrency from multiple cryptocurrency holders (hereinafter referred to as the "First Transfer"), and then aggregates these funds and provides them as a lump sum to a DeFi operator of their choice (hereinafter referred to as the "Second Transfer").

[0021] The service provider makes a second transfer as a provision of funds to a DeFi operator selected from among multiple DeFi operators, and receives a reward from the DeFi operator for the second transfer (hereinafter referred to as the "provision reward") in a specified type of currency. When selecting a DeFi operator, the service provider takes into consideration, for example, the conditions of the provision reward, the operator's credibility, etc.

[0022] A "cryptocurrency holder" is a person who manages assets using the cryptocurrency he or she owns. Specifically, the cryptocurrency holder manages assets by providing a certain amount of cryptocurrency he or she owns on another information processing system to a service provider (first transfer). The cryptocurrency holder enters into an asset management contract with the service provider. This contract includes, for example, agreements regarding the type of one or more cryptocurrencies and one or more legal tender that will be used as consideration for the first transfer, the timing of payment of the consideration for the first transfer, and the interest rate of the consideration for the first transfer. In the following, "asset management" in this service will be explained assuming that the types of one or more crypto assets and one or more legal tender currencies that will be the consideration for the first transfer, the timing of payment of the consideration for the first transfer, the interest rate for the consideration for the first transfer, etc. are predetermined as contractual details. The consideration for the first transfer in this "asset management" is provided using at least a portion of the remuneration provided by the DeFi operator for the above-mentioned second transfer as its source of funds.

[0023] Here, the consideration for the first transfer specified in the contract is not limited to the cryptocurrency and / or fiat currency described above. That is, for example, the cryptocurrency holder can select the consideration for the first transfer from among the predetermined forms of assets available from the service provider. Specifically, for example, the cryptocurrency holder can select points issued by the service provider as the form of consideration. These points may be exchangeable for fiat currency or may be usable only within a specific service provided by the service provider. They may also be points usable in a common point partnership (point affiliated store network) between multiple businesses including the service provider. In this service, the cryptocurrency holder can select from one or more cryptocurrencies and one or more fiat currencies as consideration for the first transfer, as well as points issued by the service provider, as the predetermined form of assets available from the service provider. That is, the management server 1 allows the cryptocurrency holder to select from one or more cryptocurrencies and one or more fiat currencies as consideration for the first transfer, as the predetermined form of assets available from the service provider, and manages the selected option as the contract. The consideration for the first transfer specified in the contract may be selectable from two or more crypto assets that will be used as consideration for the first transfer, or may be selectable from each type of two or more legal tender currencies, or may be selectable from points issued by two or more service providers. In this way, if the consideration for the first transfer specified in the contract can be selected from two or more options, it becomes possible for the crypto asset holder to receive the consideration in a form that is more convenient for them.

[0024] Here, legal tender refers to a currency that is legally recognized as legal tender by law in a specific country. For example, the legal tender in Japan is the Japanese yen (JPY), and the legal tender in the United States is the US dollar (USD). Furthermore, if a specific cryptocurrency is designated as legal tender in a specific country, the type of cryptocurrency designated in that country, such as Bitcoin (BTC) or Ethereum (ETH), may also be legal tender. In this embodiment, the type of legal tender handled by the service provider can be selected regardless of the country in which the management server 1 is implemented. Furthermore, the "time of payment of consideration" may be, for example, the period from the start of the first transfer to the payment of consideration, or may be specified as a date such as "YYYY-MM-DD." The cryptocurrency holder uses the information processing system S as a Type 1 user.

[0025] "DeFi Operator" refers to a person who operates a DeFi (Decentralized Finance) application, a decentralized financial service built on a blockchain network. DeFi Operators use information processing system S as Type 3 Users. DeFi Operators also use other information processing systems. DeFi Operators receive funding (secondary transfer) in the form of cryptocurrencies from service providers and earn revenue by conducting various operations, such as lending cryptocurrencies to DeFi users and exchanging cryptocurrencies between types. DeFi Operators pay at least a portion of the revenues earned to service providers as service fees.

[0026] For example, the management server 1 acquires information regarding the contents of the asset management contract concluded between the cryptocurrency holder and the service provider (hereinafter referred to as "contract information"), and stores and manages it in a database. The contract information includes information selected by the cryptocurrency holder, such as the type of each of the one or more cryptocurrencies and one or more legal tender currencies that will be the consideration for the first transfer, the timing of payment of the consideration for the first transfer, and the interest rate of the consideration for the first transfer. The contract information is generated and acquired by the management server 1 based on information input by the cryptocurrency holder.

[0027] Furthermore, the management server 1 carries out the first transfer based on the acquired contract information. The management server 1 then acquires information regarding the first transfer (hereinafter referred to as "first transfer information"), stores it in a database, and manages it. The first transfer information includes, for example, at least the quantity of crypto assets transferred in the first transfer and information regarding the consideration (hereinafter referred to as "first consideration information"). The first consideration information includes the types of one or more crypto assets and one or more legal tender selected as consideration for the first transfer, the time selected as the time for payment of the consideration for the first transfer, the interest rate selected as the interest rate for the consideration for the first transfer, etc.

[0028] Furthermore, when the time for payment of the consideration for the first transfer arrives as specified in the contract information, the management server 1 executes control to pay the consideration to the crypto asset holder at that time in the type of currency specified in the contract information. Hereinafter, the other information processing system that manages the first type of crypto asset to be transferred for the first time will be referred to as the "first other information processing system."

[0029] In addition, the management server 1 carries out a second transfer to transfer at least a portion of the first type of crypto asset owned by the service provider on the first other information processing system as a result of the first transfer to the DeFi operator, and obtains information regarding the second transfer (hereinafter referred to as "second transfer information"), stores it in a database, and manages it. The second transfer information includes, for example, information regarding the quantity and consideration of the second transferred crypto asset (hereinafter referred to as "second consideration information").

[0030] Furthermore, based on the second consideration information and the first transfer information, the management server 1 calculates the distribution amount (hereinafter referred to as the "assumed distribution amount") of the consideration for the second transfer to be distributed by the service provider to each of the multiple cryptocurrency holders, assuming that the first and second transfers are carried out in a form in which the interest rate of the consideration for the first transfer, etc., is not specified in the contract, and manages information regarding the distribution amount (hereinafter referred to as the "assumed distribution information"). Furthermore, the management server 1 can present information regarding the assumed distribution amount of the consideration for the second transfer to a specific cryptocurrency holder who is a designated user among the multiple cryptocurrency holders, as identified from the distribution information. The assumed distribution amount corresponds to the source of funds when the consideration for the first transfer is paid based on the above-mentioned contractual contents. The assumed distribution information allows the cryptocurrency holder to understand the source of funds for the consideration they will receive in the future.

[0031] In addition, the management server 1 manages the consideration for the second transfer, when the types of the crypto assets transferred in the first and second transfers are considered to be the first type, as consideration for a second type of crypto asset on another other information processing system (hereinafter referred to as the "second other information processing system") that is different from the first type of crypto asset on the first other information processing system.

[0032] Furthermore, the management server 1 can convert information on the assumed distribution amount for a predetermined cryptocurrency holder into value as a first type of cryptocurrency and present it to the predetermined cryptocurrency holder.

[0033] Here, the management server 1 executes control to pay the consideration for the first transfer in the type of currency selected by the predetermined cryptocurrency holder, using at least a portion of the assumed distribution amount for the predetermined cryptocurrency holder as a source of funds. The specific configuration and processing details of the management server 1 will be described later.

[0034] In the following, in this embodiment, as described above, the service provider will make a second transfer as a provision of funds to the DeFi operator, manage the consideration for the second transfer, and distribute it to the cryptocurrency holder, but this is not particularly limited. In other words, the source of the consideration for the first transfer to the cryptocurrency holder is arbitrary. Specifically, as a first example, a service provider first holds a first type of cryptocurrency that has been transferred from a cryptocurrency holder on a first other information processing system. The service provider can then receive compensation for staking the first type of cryptocurrency. The service provider can use this compensation for staking as a source of funds to distribute the compensation for the first transfer to the cryptocurrency holder. Also, as a second example, the service provider can make a second transfer to another party (e.g., a party that receives compensation for staking or manages the assets in other ways, such as the DeFi administrator mentioned above) on the first other information processing system. The second transfer in the second example may be managed on the first other information processing system. The second example differs from the example of this embodiment in that the compensation for the second transfer in the second example is managed on the first other information processing system as a first type of crypto asset. As in the example of this embodiment, in the first and second examples, the first type of crypto asset is no longer the property of the crypto asset holder on the first other information processing system. Therefore, in conventional wallet management systems, the crypto asset holder cannot grasp the amount of the first transferred crypto asset as his or her own crypto asset. Furthermore, he or she cannot grasp the amount of crypto asset that will be distributed in the future. The management server 1 of this embodiment can present the crypto asset holder with the first transferred crypto asset on the first other information processing system and the amount of crypto asset that will ultimately be distributed based on the contract details.

[0035] Furthermore, in this embodiment example, as well as the first and second examples described above, the cryptocurrency transferred by the cryptocurrency holder for the first time can be returned to the cryptocurrency holder at the same time as the payment of the consideration for the first transfer. The return to the cryptocurrency holder may be a contractual obligation, may be pre-defined in the contract, or may be something the cryptocurrency holder can choose when to pay the consideration for the first transfer. The management server 1 (for example, the consideration payment control unit 34 described below) can execute control to return the cryptocurrency that has undergone the first transfer to the cryptocurrency holder based on the contractual content and the cryptocurrency holder's selection.

[0036] (Cryptocurrency holder terminal 2) The cryptocurrency holder terminal 2 is an information processing device operated by the cryptocurrency holder to use the information processing system S as a Type 1 user, and is configured, for example, as a smartphone, tablet terminal, personal computer, etc. The cryptocurrency holder terminal 2 is capable of executing a predetermined application program that enables the information processing system S to be used.

[0037] The cryptocurrency holder terminal 2 is capable of performing various processes based on various information transmitted from the management server 1 and the service provider terminal 3, as well as various information input by the cryptocurrency holder. The cryptocurrency holder terminal 2 is also capable of transmitting various information to the management server 1 and the service provider terminal 3.

[0038] For example, the cryptocurrency holder terminal 2 accepts an input operation for concluding a contract with a service provider and transmits the input information to the management server 1. The input operation for concluding a contract with the service provider includes an operation for selecting one or more cryptocurrencies or one or more legal tender currencies to be used as consideration for the first transfer, an operation for selecting the timing of payment of the consideration for the first transfer, and an operation for selecting the interest rate for the consideration for the first transfer. The cryptocurrency holder terminal 2 also accepts an input operation for making the first transfer and transmits the input information to the management server 1. The input operation for making the first transfer includes an operation for instructing the management server 1 to carry out the first transfer.

[0039] In addition, the cryptocurrency holder terminal 2 accepts input operations to display the management status of the first transferred and second transferred cryptocurrency as the first type (hereinafter referred to as "first type management information") on the display unit, and transmits the input information to the management server 1. When control information for displaying the first type management information on the cryptocurrency holder terminal 2 is transmitted, the cryptocurrency holder terminal 2 acquires the control information and displays the first type management information on a display or the like. Here, the first type of investment information includes information on the first transferred cryptocurrency, which is not considered to be owned by the cryptocurrency holder in the other information processing system. This allows the cryptocurrency holder to easily grasp information on assets equivalent to the cryptocurrency they are making the first transfer. The first type of investment information may also include information on cryptocurrency equivalent to the provisional distribution amount, which is not considered to be owned by the cryptocurrency holder in the other information processing system, as the first type of cryptocurrency. The first type of investment information may also include provisional distribution information converted into the type of cryptocurrency or legal tender based on the contractual terms at the time the provisional distribution information is paid.

[0040] (Service provider terminal 3) The service provider terminal 3 is an information processing device operated by the service provider to use the information processing system S as a second-class user, and is configured, for example, as a personal computer, a tablet terminal, a smartphone, etc. The service provider terminal 3 is capable of executing predetermined application programs that enable use of the information processing system S and other information processing systems.

[0041] The service provider terminal 3 is capable of performing various processes based on various information transmitted from each of the management server 1, the cryptocurrency holder terminal 2, and the DeFi operator terminal 4, as well as various information input by the service provider. The service provider terminal 3 is also capable of transmitting various information to each of the management server 1, the cryptocurrency holder terminal 2, and the DeFi operator terminal 4.

[0042] For example, the service provider terminal 3 accepts an input operation for making the second transfer and transmits the input information to the management server 1. The service provider terminal 3 also accepts an input operation for requesting payment for the second transfer and transmits the input information to the management server 1. When control information for displaying the second payment information on the service provider terminal 3 is transmitted, the service provider terminal 3 acquires the control information and displays the second payment information on a display or the like.

[0043] Furthermore, the service provider terminal 3 accepts an input operation for calculating the assumed distribution amount, and transmits the input information to the management server 1. When control information for displaying the assumed distribution information on the service provider terminal 3 is transmitted, the service provider terminal 3 acquires the control information and displays the second consideration information on a display or the like. The specific configuration and processing of the service provider terminal 3 will be described in detail later.

[0044] (DeFi operator terminal 4) The DeFi operator terminal 4 is an information processing device operated by the DeFi operator to use the information processing system S as a third-type user, and is composed of, for example, a personal computer, tablet terminal, smartphone, etc. The DeFi operator terminal 4 is capable of executing predetermined application programs that enable use of the information processing system S and other information processing systems.

[0045] The DeFi operator terminal 4 is capable of performing various processes based on various information transmitted from each of the management server 1, the service provider terminal 3, and the DeFi user terminal 5, as well as various information input by the DeFi operator. The DeFi operator terminal 4 is also capable of transmitting various information to each of the management server 1, the service provider terminal 3, and the DeFi user terminal 5.

[0046] For example, the DeFi operator terminal 4 accepts input operations for paying service providers a provision fee and transmits the input information to the management server 1. Details of the specific configuration and processing of the DeFi operator terminal 4 will be described later.

[0047] (DeFi user terminal 5) The DeFi user terminal 5 is an information processing device operated by a DeFi user to use other information processing systems, and is composed of, for example, a smartphone, tablet terminal, personal computer, etc. The DeFi user terminal 5 is capable of executing a predetermined application program that enables the use of other information processing systems. The DeFi user terminal 5 is capable of performing various processes based on various information acquired from the DeFi operator terminal 4 and other information processing systems, as well as various information input by the DeFi user. The DeFi user terminal 5 is also capable of transmitting various information to the DeFi operator terminal 4 and other information processing systems.

[0048] For example, the DeFi user terminal 5 performs processes such as accepting input operations to borrow crypto assets owned by a DeFi operator, accepting input operations to set up collateral, and accepting input operations to exchange the currency type of crypto assets owned by a DeFi user.

[0049] The above-mentioned processing by each of the management server 1, cryptocurrency holder terminal 2, service provider terminal 3, DeFi operator terminal 4, and DeFi user terminal 5 that make up the information processing system S is one example. Furthermore, since the information processing system S as a whole is required to have the functionality to realize the above-mentioned processing, some or all of the functions to realize the above-mentioned processing may be shared or cooperated within the information processing system S.

[0050] For example, some or all of the functions of the management server 1 may be functions of other information processing devices in the information processing system S. Also, some or all of the functions of other information processing devices in the information processing system S may be functions of the management server 1. Furthermore, some or all of the functions of the management server 1 may be transferred to other servers (not shown). This promotes processing in the information processing system S as a whole and also makes it possible for processes to complement each other.

[0051] <Hardware configuration> (Hardware configuration of Management Server 1) FIG. 2 is a block diagram showing an example of the hardware configuration of the management server 1 according to this embodiment. The management server 1 includes a CPU (Central Processing Unit) 11, a ROM (Read Only Memory) 12, a RAM (Random Access Memory) 13, a bus 14, an input / output interface 15, an output unit 16, an input unit 17, a memory unit 18, a communication unit 19, and a drive 20.

[0052] The CPU 11 executes various processes in accordance with programs recorded in the ROM 12 or programs loaded from the storage unit 18 into the RAM 13. The RAM 13 also stores data and the like required for the CPU 11 to execute various processes. The CPU 11, the ROM 12, and the RAM 13 are interconnected via a bus 14. An input / output interface 15 is also connected to this bus 14.

[0053] The input / output interface 15 is connected to an output unit 16, an input unit 17, a storage unit 18, a communication unit 19, and a drive 20. The output unit 16 is composed of a display, a speaker, etc., and outputs various types of information as images and sounds. The input unit 17 is composed of a keyboard, a mouse, a touch panel, etc., and accepts input of various types of information. The storage unit 18 is composed of a hard disk, a DRAM (Dynamic Random Access Memory), etc., and stores various types of data. The communication unit 19 communicates with other devices via the above-mentioned network N, which is composed of the Internet, etc.

[0054] Removable media 21, such as a magnetic disk, optical disk, magneto-optical disk, or semiconductor memory, is appropriately attached to the drive 20. Programs read from the removable media 21 by the drive 20 are installed in the storage unit 18 as needed. The removable media 21 can also store various data stored in the storage unit 18 in the same way as the storage unit 18.

[0055] (Hardware configuration of cryptocurrency holder terminal 2, service provider terminal 3, DeFi operator terminal 4, and DeFi user terminal 5) Furthermore, although not shown, the cryptocurrency holder terminal 2, service provider terminal 3, DeFi operator terminal 4, and DeFi user terminal 5 have the same hardware configuration as the management server 1 shown in Figure 2. That is, the cryptocurrency holder terminal 2, service provider terminal 3, DeFi operator terminal 4, and DeFi user terminal 5 each have a CPU, ROM, RAM, bus, input / output interface, output unit, input unit, memory unit, communication unit, drive, and removable media, which correspond to the CPU 11, ROM 12, RAM 13, bus 14, input / output interface 15, output unit 16, input unit 17, memory unit 18, communication unit 19, drive 20, and removable media 21, respectively, of Figure 2.

[0056] <Functional configuration> (Functional configuration of management server 1, cryptocurrency holder terminal 2, service provider terminal 3, and DeFi operator terminal 4) [Functional configuration of management server 1] Figure 3 is a functional block diagram showing an example of the functional configuration of the management server 1, cryptocurrency holder terminal 2, service provider terminal 3, and DeFi operator terminal 4. When the CPU 11 of the management server 1 operates, the following function: an information acquisition unit 31 that functions as a contract information acquisition means, an information generation unit 32, a first transfer management unit 33 that functions as a first transfer management means, a consideration payment control unit 34 that functions as a consideration payment control means, a second transfer management unit 35 that functions as a second transfer management means, a distribution management unit 36 ​​that functions as a distribution management means, a presentation control unit 37, and a transmission control unit 38.

[0057] Furthermore, various databases are provided in the storage unit 18 of the management server 1. For example, there are provided a contract DB 41 that stores contract information, a first transfer DB 42 that stores first transfer information, a second transfer DB 43 that stores second transfer information, and a distribution DB 44 that stores assumed distribution information.

[0058] The information generation unit 32 generates various types of information. For example, the information generation unit 32 generates contract information based on input information entered by the cryptocurrency holder.

[0059] The information acquisition unit 31 acquires various types of information. For example, the information acquisition unit 31 acquires contract information generated by the information generation unit 32. The information acquisition unit 31 also acquires various types of information transmitted from each of the cryptocurrency holder terminal 2, the service provider terminal 3, and the DeFi operator terminal 4. Of this information, information transmitted from the cryptocurrency holder terminal 2 to the management server 1 includes, for example, input information for concluding a contract with the service provider, input information for making the first transfer, etc. Of this information, the input information for making the first transfer includes input information for causing the management server 1 to carry out the first transfer.

[0060] Furthermore, information transmitted from the service provider terminal 3 to the management server 1 includes, for example, input information for making the second transfer, input information for requesting payment for the second transfer, input information for calculating the assumed distribution amount of the payment for the second transfer for the cryptocurrency holder, etc. Furthermore, information transmitted from the DeFi operator terminal 4 to the management server 1 includes, for example, input information for paying the provision fee, etc.

[0061] The first transfer management unit 33 carries out the first transfer based on the acquired contract information. The first transfer management unit 33 then stores and manages the acquired first transfer information in the first transfer DB 42 of the storage unit 18. The first transfer management unit 33 also executes control to pay the consideration for the first transfer, which is funded by at least a portion of the assumed distribution amount and is to be paid to a specified cryptocurrency holder, in a type of currency selected by the specified cryptocurrency holder.

[0062] When the time arrives for payment of the consideration for the first transfer, as specified in the acquired contract information, the consideration payment control unit 34 executes control to pay the consideration to the cryptocurrency holder at that time in the type of currency specified in the contract information. Here, the consideration payment control unit 34 uses the exchange rate at the time when the consideration for the first transfer is paid as the exchange rate when the consideration is paid to the cryptocurrency holder. The exchange rate is the exchange rate between the type of currency specified in the contract information and the type of currency of the cryptocurrency that is the subject of the first transfer.

[0063] The second transfer management unit 35 implements a second transfer in which at least a portion of the crypto assets owned by the service provider on the first other information processing system as a result of the first transfer is transferred to the DeFi operator. Then, second transfer information regarding the second transfer is stored and managed in the second transfer DB43 of the storage unit 18. The second transfer information includes second consideration information. The second transfer management unit 35 can manage the consideration for the second transfer, managed as a second type of crypto asset on the second other information processing system, as the second consideration information. Furthermore, the second transfer management unit 35 can manage the consideration for the second transfer, managed as multiple second type crypto assets on multiple second other information processing systems, as the second consideration information.

[0064] The distribution management unit 36 ​​calculates a provisional distribution amount of the second transfer consideration that is assumed to be distributed from the service provider to each of the multiple cryptocurrency holders based on the second consideration information and the first transfer information, and manages the distribution information. Specifically, the distribution management unit 36 ​​stores and manages the provisional distribution information in the distribution DB 44 of the storage unit 18.

[0065] Furthermore, the distribution management unit 36 ​​executes control to pay the predetermined crypto-asset holder the provisionally distributed amount of the consideration for the second transfer, which is assumed to be distributed to the predetermined crypto-asset holder based on the second consideration information, as at least a portion of the source of funds. For example, the distribution management unit 36 ​​executes control to pay the assumed distributed amount of the consideration for the second transfer made based on the crypto-asset first transferred from the predetermined crypto-asset holder to the predetermined crypto-asset holder as crypto-asset on the first other information processing system based on the contract contents. Also, for example, the distribution management unit 36 ​​executes control to pay the assumed distributed amount of the consideration for the second transfer made based on the crypto-asset first transferred from the predetermined crypto-asset holder to the predetermined crypto-asset holder in the type of legal tender specified in the contract contents.

[0066] The presentation control unit 37 executes control to present information on the assumed distribution amount of the consideration for the second transfer to a predetermined crypto asset holder, who is a predetermined user among multiple crypto asset holders and is identified from the assumed distribution information, to the predetermined crypto asset holder. For example, the presentation control unit 37 executes control to convert information on the assumed distribution amount of the consideration for the second transfer to be distributed to the predetermined crypto asset holder into value as a first type of crypto asset and present it to the predetermined crypto asset holder. The presentation control unit 37 also executes control to present information on the first-transferred first type of crypto asset to the predetermined crypto asset holder, together with information on the assumed distribution amount of the second type converted into value as the first type of crypto asset. The presentation control unit 37 also executes control to present information on the first-transferred first type of crypto asset to the predetermined crypto asset holder, together with information on the assumed distribution amount of each of the multiple second types converted into value as the first type of crypto asset.

[0067] The transmission control unit 38 executes control to transmit various types of information via the communication unit 19. Specifically, the transmission control unit 38 executes control to transmit various types of information to each of the cryptocurrency holder terminal 2, the service provider terminal 3, and the DeFi operator terminal 4. For example, the transmission control unit 38 executes control to transmit assumed distribution information to the cryptocurrency holder terminal 2. The transmission control unit 38 also executes control information for displaying second consideration information and control to transmit assumed distribution information to the service provider terminal 3.

[0068] [Functional configuration of cryptocurrency holder terminal 2] When the CPU of the cryptocurrency holder terminal 2 is operating, an information acquisition unit 51, a display control unit 52, and a transmission control unit 53 function.

[0069] The information acquisition unit 51 acquires various types of information. For example, the information acquisition unit 51 acquires information whose input is accepted by the input unit. Examples of the information whose input is accepted by the input unit include information entered to conclude a contract with a service provider, information entered to perform the first transfer, and the like.

[0070] The information acquisition unit 51 also acquires various types of information transmitted to the cryptocurrency holder terminal 2. For example, information transmitted from the management server 1 includes control information for displaying assumed distribution information on the cryptocurrency holder terminal 2.

[0071] The display control unit 52 executes control to display various types of information. Specifically, the display control unit 52 executes control to display various types of information on a display, etc. of the output unit. For example, the display control unit 52 executes control to display a user interface that enables input operations for concluding a contract with a service provider on a display, etc. of the output unit. Furthermore, the display control unit 52 executes control to display the first type of management information on a display, etc. of the output unit, based on control information acquired by the information acquisition unit 51 for displaying the first type of management information on the crypto asset holder terminal 2. Furthermore, the display control unit 52 executes control to display the assumed distribution information on a display, etc. of the output unit, based on control information acquired by the information acquisition unit 51 for displaying the assumed distribution information on the crypto asset holder terminal 2.

[0072] The transmission control unit 53 executes control to transmit various types of information via the communication unit. For example, the transmission control unit 53 executes control to transmit various types of input information to the management server 1. Examples of input information transmitted to the management server 1 include input information for concluding a contract with a service provider, input information for making a first transfer, input information for displaying first type operation information on the display unit, and input information for instructing profit-taking sales of crypto assets as the second type.

[0073] [Functional configuration of service provider terminal 3] In the CPU of the service provider terminal 3, an information acquisition unit 71, a display control unit 72, and a transmission control unit 73 function when the service provider terminal 3 operates.

[0074] The information acquisition unit 71 acquires various types of information. For example, the information acquisition unit 71 acquires information whose input is accepted by the input unit. Examples of information whose input is accepted by the input unit include information entered to make a second transfer, information entered to request payment for the second transfer, and information entered to calculate the amount of payment of the second transfer to be distributed to the cryptocurrency holder.

[0075] Furthermore, the information acquisition unit 71 acquires various types of information transmitted to the service provider terminal 3. For example, the information transmitted from the management server 1 includes control information for displaying the second consideration information on the service provider terminal 3, control information for displaying the distribution information on the service provider terminal 3, and the like.

[0076] The display control unit 72 executes control to display various types of information. Specifically, the display control unit 72 executes control to display various types of information on a display or the like of the output unit. For example, the display control unit 72 executes control to display the second consideration information on a display or the like of the output unit, based on control information for displaying the second consideration information on the service provider terminal 3, acquired by the information acquisition unit 71. Furthermore, the display control unit 72 executes control to display the distribution information on a display or the like of the output unit, based on control information for displaying the distribution information on the service provider terminal 3, acquired by the information acquisition unit 71.

[0077] The transmission control unit 73 executes control to transmit various types of information via the communication unit. For example, the transmission control unit 73 executes control to transmit various types of input information to the management server 1. Examples of input information transmitted to the management server 1 include input information for making a second transfer, input information for requesting payment for the second transfer, and input information for calculating the amount of payment for the second transfer to be distributed to cryptocurrency holders.

[0078] [Functional configuration of DeFi operator terminal 4] When the CPU of the DeFi operator terminal 4 operates, an information acquisition unit 91, a display control unit 92, and a transmission control unit 93 function.

[0079] The information acquisition unit 91 acquires various types of information. For example, the information acquisition unit 91 acquires information that has been input by the input unit. Examples of information that has been input by the input unit include information that has been input to pay a provision reward. In addition, the information acquisition unit 91 acquires various types of information that has been transmitted to the DeFi operator terminal 4.

[0080] The display control unit 92 executes control to display various types of information. Specifically, the display control unit 92 executes control to display various types of information on a display or the like of an output unit. The transmission control unit 93 executes control to transmit various types of information via the communication unit. For example, the transmission control unit 93 executes control to transmit various types of input information to the management server 1. Examples of the input information transmitted to the management server 1 include input information for paying a provision reward.

[0081] <Processing flow> (Management Server 1 processing flow) FIG. 4 is a flowchart showing an example of the processing flow of the management server 1. The information acquisition unit 31 acquires input information entered by the cryptocurrency holder for concluding a contract with the service provider (step S1). The information generation unit 32 generates contract information based on the acquired input information (step S2). The information acquisition unit 31 acquires the generated contract information (step S3). Thereafter, if the first transfer management unit 33 receives an instruction to implement the first transfer from the cryptocurrency holder (YES in step S4), it implements the first transfer based on the contract information acquired in step S3 (step S5). On the other hand, if there is no instruction to implement the first transfer (NO in step S4), the first transfer management unit 33 repeats the judgment process of step S4 until there is an instruction to implement the first transfer. The information acquisition unit 31 acquires first transfer information related to the implemented first transfer (step S6). The first transfer management unit 33 manages the acquired first transfer information (step S7).

[0082] Thereafter, when the time for payment of the consideration for the first transfer, as specified from the contract information acquired in step S3, arrives (YES in step S8), the consideration payment control unit 34 executes control to pay the consideration to the cryptocurrency holder at that time in the type of currency specified from the contract information (step S9). The exchange rate used when the consideration is paid to the cryptocurrency holder is the exchange rate at the time when the consideration for the first transfer is paid. On the other hand, if the time for payment of the consideration for the first transfer has not arrived (NO in step S8), the consideration payment control unit 34 repeats the determination process of step S8 until the time for payment of the consideration for the first transfer arrives.

[0083] <Example> FIG. 5 is a conceptual diagram showing a specific example of this service to which the information processing system S of FIG. 1 is applied. 5 shows n cryptocurrency holders U1 who use the service as Type 1 users, a service provider U2 who uses the service as Type 2 users, DeFi operators U3-1 to U3-m who use the service as Type 3 users and provide second other information processing systems B1 to Bm, the first other information processing system A, the second other information processing systems B1 to Bm, and DeFi users Y1 to Yp who use the second other information processing systems B1 to Bm. Note that service provider U2 and DeFi operators U3-1 to U3-m are also users of the first other information processing system A.

[0084] The service provider U2 enters into an investment contract with n cryptocurrency holders U1 (step S11). As funding from r cryptocurrency holders U1 (r is any integer value between 1 and n), the service provider U2 receives a first transfer of a first type of cryptocurrency held by each of the r cryptocurrency holders U1 on the first other information processing system A (step S12). In the example of FIG. 5, the first type of cryptocurrency is Ethereum (ETH). As a result, the owner of the first type of cryptocurrency changes from the r cryptocurrency holders U1 to the service provider U2.

[0085] Service provider U2, who has become the owner of the first type of cryptocurrency, combines the first-transferred first-type cryptocurrency into a large amount. Service provider U2 then provides funds by making a second transfer to DeFi operator U3-t (t is an integer value between 1 and n) selected from DeFi operators U3-1 to U3-m (step S13). This changes the owner of the first type of cryptocurrency from service provider U2 to DeFi operator U3-t.

[0086] The DeFi administrator U3-t, who has become the owner of the first type of cryptocurrency, uses the second transferred first type of cryptocurrency as capital to lend the first type of cryptocurrency to DeFi users Y1 to Yp and to exchange the first type of cryptocurrency between types (step S14). Specifically, for example, the DeFi administrator U3-t can lend the first type of cryptocurrency to DeFi users Y1 to Yp.

[0087] In this way, the first and second transfers are carried out in stages between r cryptocurrency holders U1, service provider U2, and DeFi operator U3-t, thereby securing the DeFi resources operated by DeFi operator U3-t. This ensures that DeFi users Y1 to Yp have sufficient funds to receive lending and exchange services.

[0088] In addition, if r cryptocurrency holders U1 individually provide small amounts of Type 1 cryptocurrency to DeFi operator U3-t, a transaction fee (known as gas fee) will be incurred for the transfer of the small amount of Type 1 cryptocurrency. In other words, this service allows service provider U2 to act as an intermediary between r cryptocurrency holders U1 and DeFi operator U3-t, thereby converting small transactions into large transactions, thereby reducing transaction fees (known as gas fee) for the transfer of Type 1 cryptocurrency and increasing the profits earned by r cryptocurrency holders U1.

[0089] Furthermore, cryptocurrency holder U1 often holds Type 1 cryptocurrency but is unaware of the procedures (tasks) required to provide funds to DeFi operator U3. Furthermore, cryptocurrency holder U1 often does not even know that providing funds to DeFi operator U3 can provide compensation. In other words, through this service, service provider U2 can broaden the scope of funding DeFi operator U3-t for such cryptocurrency holder U1. Broadening the scope of funding DeFi operator U3-t for such cryptocurrency holder U1 is also beneficial for DeFi operator U3-t in that it increases the total amount of Type 1 cryptocurrency provided.

[0090] At this time, the type of cryptocurrency involved in the above-mentioned first and second transfers, and when DeFi users Y1 to Yp receive sufficient lending and exchange services, is the first type. Therefore, the cryptocurrency involved in the above-mentioned first and second transfers, and when DeFi users Y1 to Yp receive sufficient lending and exchange services, is managed by the first other information processing system A. In other words, the first other information processing system A can be said to be the original ledger for the first type of cryptocurrency.

[0091] When the DeFi operator U3-t earns revenue as a result of conducting cryptocurrency lending or exchange operations, it pays at least a portion of that revenue to the service provider U2 as a provision fee (step S15). The provision fee to the service provider U2 may be paid in the same type of currency as the type of the first transferred cryptocurrency, or in a type of currency different from the type of the first transferred cryptocurrency. Below, we will explain the case where the provision fee is paid in a type (second type) different from the type of the first transferred cryptocurrency. In the example of Figure 5, the second type of cryptocurrency is an altcoin (alternative coin) managed by the DeFi operator U3-t.

[0092] Here, the provision fee paid by the DeFi operator U3-t to the service provider U2 is managed as the second type by the smart contract function of the second third-party information processing system Bt provided by the DeFi operator U3-t. This increases the source of funds for the first type of cryptocurrency for the DeFi operator U3-t, allowing it to more smoothly provide cryptocurrency lending and exchange services. In this way, the second third-party information processing system Bt can be said to be the original ledger for the second type of cryptocurrency. In addition, at this time, service provider U2 has the right to receive the provision fee (i.e., the right to claim compensation for the second transfer), but the owner of the cryptocurrency remains DeFi operator U3-t. Neither r cryptocurrency holders U1 who made the first transfer of the cryptocurrency nor service provider U2 who made the second transfer of the cryptocurrency are owners of the cryptocurrency. For this reason, conventional technology has not been able to verify the status of cryptocurrency owned by a DeFi operator, who is a different person. Furthermore, converting the value of altcoins managed by DeFi operator U3-t has been difficult because the exchange rate and conversion method vary depending on the type of altcoin.

[0093] In contrast, according to this service, the provision reward managed by the smart contract function of the second other information processing system Bt is prorated based on the amount of funding provided by each of the r cryptocurrency holders U1 (i.e., the amount of the first transfer), and distributed to each of the r cryptocurrency holders U1. The service provider U2 then manages distribution information for the cryptocurrency distributed to each of the r cryptocurrency holders U1 (step S16).

[0094] As described above, although each of the r cryptocurrency holders U1 is not the owner of the cryptocurrency that was transferred in the first transfer, they can check the first type of management information by using this service (step S17). Specifically, when the r cryptocurrency holders U1 check their own distribution amount, even if the provision reward is paid in a type different from the type of cryptocurrency that was transferred in the first transfer, a process to exchange the type is performed, so they can check the distribution amount in the type of cryptocurrency that was transferred in the first transfer.

[0095] Furthermore, with this service, r cryptocurrency holders U1 are presented with the value of their investment in the first-type cryptocurrency they have transferred, and the distribution amount of the consideration for the second-type transfer, which is the return on their investment, both converted into the value of the first-type cryptocurrency. This allows r cryptocurrency holders U1 to easily understand the return on their asset management, etc.

[0096] Furthermore, the r cryptocurrency holders U1 can increase their distribution amount due to the growth of DeFi administrator U3-t who holds the second type of cryptocurrency, an increase in the value of the second type of cryptocurrency due to an increase in the circulation of the second type of cryptocurrency, etc. The r cryptocurrency holders U1 can also instruct a profit-taking sale of the second type of cryptocurrency (step S18).

[0097] When service provider U2 receives an instruction to sell to lock in profits from s cryptocurrency holders U1 (s is any integer value greater than or equal to 1 and less than or equal to r) out of r cryptocurrency holders U1, service provider U2 claims ownership of the provision reward managed by the smart contract function of the second other information processing system Bt, and treats the provision reward as being on the second other information processing system Bv (step S19), and exchanges the type of cryptocurrency if necessary (step S20).

[0098] Thereafter, the service provider U2 pays the s cryptocurrency holders U1 who issued the profit-taking sales instructions as consideration for the first transfer using at least a portion of the provision fee as the source of funds (step S21). At this time, the service provider U2 pays the consideration in the type of currency (legal tender or cryptocurrency) selected in the contract concluded with each of the r cryptocurrency holders U1. Note that Figure 5 shows an example in which the type of currency selected by each of the r cryptocurrency holders U1 is the Japanese yen (JPY).

[0099] In addition, the service provider U2 distributes the distribution amount of the consideration for the second type of second transfer, which is the return on the investment, to the r cryptocurrency holders U1 (step S22). At this time, the service provider U2 distributes the distribution amount in the type of currency (legal tender or cryptocurrency) selected in the contract concluded with each of the r cryptocurrency holders U1. Note that FIG. 5 shows an example in which the type of currency selected by each of the r cryptocurrency holders U1 is Japanese yen (JPY). Note that, depending on the content of the contract, the amount calculated based on the interest rate based on the contract may be provided to the cryptocurrency holder U1, regardless of the remuneration from the DeFi manager U3 to the service provider U2. Also, depending on the content of the contract, if the remuneration from the DeFi manager U3 to the service provider U2 is greater than the specified amount set forth in the contract, the amount distributed may be greater than the amount calculated based on the interest rate based on the contract. Also, depending on the contents of the contract, if the remuneration from DeFi operator U3 to service provider U2 is less than the specified amount set forth in the contract, the amount distributed may be less than the amount calculated based on the interest rate based on the contract.

[0100] Although not shown in the figure, in step S12 described above, the service provider U2 can make a second transfer of the first type of cryptocurrency transferred by one cryptocurrency holder U1 to multiple DeFi operators U3, which allows cryptocurrency holder U1 to diversify their investments. In this case, as described above, the DeFi operator U3 receives multiple second-type considerations on each of the second other information processing systems B of the multiple DeFi operators. In this case, in this service, as a result of the first transfer of the first type, the distribution amount of the consideration for the second transfer, which is managed as the second type of cryptocurrency on the multiple second other information processing systems, is presented as information converted into value as the first type of cryptocurrency. The cryptocurrency holder U1 can easily understand the distribution amount of the consideration managed as multiple second types as a return on the cryptocurrency investment he or she made.

[0101] FIG. 6 is a diagram showing a specific example of a user interface displayed on the crypto asset holder terminal 2. Cryptocurrency holders can enter into an investment contract with a service provider by operating the cryptocurrency holder terminal 2. At that time, a user interface such as that shown in Figure 6 is displayed on the cryptocurrency holder terminal 2. The user interface shown in Figure 6 displays "Plan A" and "Plan B" as selectable products for managing Ethereum, a first type of cryptocurrency, along with explanations.

[0102] The description for "Plan A" states, "Rent paid in BTC." This indicates that if a cryptocurrency holder selects Plan A when making their first transfer of Ethereum (ETH), the rent will be paid to them in Bitcoin (BTC). The description for "Plan A" also states, "This plan allows you to lend ETH and receive rent in BTC at an annual interest rate (rental rate) of around 3%." This indicates that rent of around 3% of the amount of Ethereum (ETH) transferred will be paid to the cryptocurrency holder in Bitcoin (BTC) as consideration for the first transfer.

[0103] The description for "Plan A" also indicates that the "operation start date" is "December 20, 2023," the "minimum lot" is "1 ETH," the "minimum operation period" is "1 month," the "yield (December 2023)" is "3.0% annual interest," and the "rent receiving currency" is "BTC" (Bitcoin). In other words, cryptocurrency holders who select "Plan A" can invest a specified amount of Ethereum (ETH) they own on another information processing system by providing it to the service provider as funds (first transfer), and receive rent in Bitcoin (BTC) at an annual interest rate (rent rate) of around 3%.

[0104] The description for "Plan B" states, "Rent paid in Japanese Yen." This indicates that if a cryptocurrency holder selects Plan B when making their first transfer of Ethereum (ETH), rent will be paid to them in Japanese Yen as consideration. The description for "Plan B" also states, "This plan allows you to lend your ETH and receive rent in Japanese Yen at an annual interest rate (rental rate) of around 2%." This indicates that rent of around 2% of the amount of Ethereum (ETH) transferred will be paid to the cryptocurrency holder in Japanese Yen as consideration for the first transfer.

[0105] The description for "Plan B" also indicates that the "operation start date" is "December 20, 2023," the "minimum lot" is "1 ETH," the "minimum operation period" is "1 month," the "yield (December 2023)" is "2.0% annual interest," and the "rent receiving currency" is "Japanese yen." In other words, cryptocurrency holders who select "Plan B" can invest a specified amount of Ethereum (ETH) they own on another information processing system by providing it to the service provider as funds (first transfer), and receive rent in Japanese yen at an annual interest rate (rent rate) of around 2%.

[0106] <Advantageous Effects of the Present Embodiment> According to the above-described embodiment, consideration for an investment is paid in the type of currency selected by the person making the investment using crypto assets.

[0107] <Other embodiments> Although one embodiment of the present invention has been described above, the present invention is not limited to the above-described embodiment, and modifications, improvements, etc. within the scope of achieving the object of the present invention are included in the present invention.

[0108] Furthermore, for example, the above-described series of processes can be executed by hardware or software. In other words, the above-described functional configuration is merely an example and is not particularly limited. In other words, it is sufficient for the information processing system to be provided with a function that can execute the above-described series of processes as a whole, and the type of functional block used to realize this function is not particularly limited to the above-described example.

[0109] The location of the functional blocks is not particularly limited and may be arbitrary. For example, the functional blocks of the management server 1 may be transferred to another device, or the functional blocks of another device may be transferred to a server. Furthermore, one functional block may be configured as a single piece of hardware, a single piece of software, or a combination of both.

[0110] When a series of processes is executed by software, the programs constituting the software are installed onto a computer or the like from a network or a recording medium. The computer may be a computer incorporated into dedicated hardware. The computer may also be a computer capable of executing various functions by installing various programs, such as a server, a general-purpose smartphone, or a personal computer.

[0111] The recording medium containing such a program may be configured as a removable medium (not shown) that is distributed separately from the device main body in order to provide the program to users, etc., or may be configured as a recording medium that is pre-installed in the device main body and provided to users, etc. Since the program can be distributed via a network, the recording medium may be installed in or accessible from a computer that is connected or connectable to the network.

[0112] In this specification, the steps describing the program recorded on the recording medium include not only processes that are performed in chronological order, but also processes that are not necessarily performed in chronological order but are performed in parallel or individually. Also, in this specification, the term "system" means an overall device composed of multiple devices or multiple means, etc.

[0113] In other words, the information processing system to which the present invention is applied can take various forms having the following configurations. (1) That is, the information processing system S to which the present invention is applied is An information processing system that manages a first transfer in which a cryptocurrency owned by a first type user (e.g., cryptocurrency holder U1 in FIG. 5) on a first other information processing system (e.g., a general blockchain network) is transferred to a second type user (e.g., service provider U2 in FIG. 5), The information selected by the first type user included in the content of the first transfer agreement is: One or more crypto assets and one or more types of legal tender (e.g., Japanese yen in Figure 6) that are the consideration for the first transfer; the timing of payment of said consideration for said first assignment; The interest rate of the consideration for the first transfer (for example, 2.0% per annum in FIG. 6 ); A contract information acquisition unit (for example, the information acquisition unit 31 in FIG. 3) for acquiring contract information including the a first transfer management means (for example, the first transfer management unit 33 in FIG. 3 ) that implements the first transfer based on the contract information and manages first transfer information related to the first transfer; a payment control means (e.g., the payment control unit 34 in FIG. 3) that executes control to pay the first-class user the consideration in a currency type identified from the contract information at the time of payment of the consideration; Equipped with.

[0114] This allows Type 1 users to receive payment in the type of currency they desire. Furthermore, Type 1 users can specify in advance the type of currency in which they expect to receive the most payment. Specifically, for example, if a Type 1 user determines that Ethereum is more advantageous than Bitcoin and that the Japanese yen is even more advantageous than Ethereum, the Type 1 user can select Bitcoin as the subject of the first transfer and receive payment in Japanese yen for the first transfer. Furthermore, Type 2 users can keep their crypto assets on hand and pay Type 1 users with crypto assets or legal tender they have prepared separately, thereby increasing the amount of crypto assets they hold. Furthermore, Type 2 users can set interest rates for each type of currency used to pay the payment. This allows Type 2 users to increase the interest rates for the types of currencies they want Type 1 users to select, or to decrease the interest rates for the types of currencies they do not want Type 1 users to select.

[0115] (2) Here, the consideration payment control means can execute control to pay the consideration using the exchange rate at the time of payment of the consideration between the type of currency identified from the contract information and the type of currency of the crypto asset that is the subject of the first transfer. This allows Type 1 users to invest crypto assets while taking into consideration the timing of payment and exchange rates.

[0116] (3) Furthermore, the information processing method to which the present invention is applied is An information processing method for managing a first transfer in which a crypto asset owned by a first type user on a first other information processing system is transferred to a second type user, the method comprising: The information selected by the first type user included in the content of the first transfer agreement is: One or more crypto assets and one or more legal tender currencies that will be the consideration for the first transfer; the timing of payment of said consideration for said first assignment; the interest rate on said consideration for said first assignment; acquiring contract information including: implementing the first transfer based on the contract information and managing first transfer information relating to the first transfer; a step of executing control to pay the consideration to the first-class user in the type of currency specified from the contract information at the time of payment of the consideration; Includes.

[0117] (4) In addition, the program to which the present invention is applied is A program that causes a computer to execute processing by an information processing system that manages a first transfer, which transfers crypto assets owned by a first type user on a first other information processing system to a second type user, The information selected by the first type user included in the content of the first transfer agreement is: One or more crypto assets and one or more legal tender currencies that will be the consideration for the first transfer; the timing of payment of said consideration for said first assignment; the interest rate on said consideration for said first assignment; acquiring contract information including: implementing the first transfer based on the contract information and managing first transfer information relating to the first transfer; a step of executing control to pay the consideration to the first-class user in the type of currency specified from the contract information at the time of payment of the consideration; Includes. [Explanation of symbols]

[0118] 1: Management server, 2: Cryptocurrency holder terminal, 3: Service provider terminal, 4: DeFi operator terminal, 5: DeFi user terminal, 11: CPU, 16: Output unit, 17: Input unit, 18: Memory unit, 19: Communication unit, 31: Information acquisition unit, 32: Information generation unit, 33: First transfer management unit, 34: Consideration payment control unit, 35: Second transfer management unit, 36: Distribution management unit, 37: Presentation control unit, 38: Transmission control unit, 51: Information acquisition unit, 52: Display control unit, 53: Transmission control unit, 71: Information acquisition unit, 72: Display control unit, 73: Transmission control unit, 91: Information acquisition unit, 92: Display control unit, 93: Transmission control unit, S: Information processing system, N: Network

Claims

1. An information processing system that manages a first transfer in which a crypto asset owned by a first type user on a first other information processing system is transferred to a second type user, The information selected by the first type user included in the content of the contract regarding the first transfer is: One or more crypto assets and one or more legal tender types that are the consideration for the first transfer; the timing of payment of the consideration for the first assignment; an interest rate on the consideration for the first assignment; a contract information acquisition means for acquiring contract information including the a first transfer management means for implementing the first transfer based on the contract information and managing first transfer information relating to the first transfer; a consideration payment control means for executing control to pay the consideration to the first-class user in a currency type specified by the contract information at the time of payment of the consideration; An information processing system comprising:

2. The consideration payment control means executes control to pay the consideration using an exchange rate between the type of currency specified in the contract information and the type of currency of the crypto asset that is the subject of the first transfer at the time of payment of the consideration. The information processing system according to claim 1 .

3. An information processing method for managing a first transfer in which a crypto asset owned by a first type user on a first other information processing system is transferred to a second type user, the method comprising: The information selected by the first type user included in the content of the contract regarding the first transfer is: One or more crypto assets and one or more legal tender types that are the consideration for the first transfer; the timing of payment of the consideration for the first assignment; an interest rate on the consideration for the first assignment; acquiring contract information including: implementing the first transfer based on the contract information and managing first transfer information relating to the first transfer; a step of executing control to pay the consideration to the first-class user in a currency type specified from the contract information at the time of payment of the consideration; An information processing method including:

4. A program that causes a computer to execute a control process by an information processing system that manages a first transfer, in which a crypto asset owned by a first type user on a first other information processing system is transferred to a second type user, the program comprising: The information selected by the first type user included in the content of the contract regarding the first transfer is: One or more crypto assets and one or more legal tender types that are the consideration for the first transfer; the timing of payment of the consideration for the first assignment; an interest rate on the consideration for the first assignment; acquiring contract information including: implementing the first transfer based on the contract information and managing first transfer information relating to the first transfer; a step of executing control to pay the consideration to the first-class user in a currency type specified from the contract information at the time of payment of the consideration; A program that executes control processing including:

Images