Information processing method, information processing device, and program

Abstract

To provide an information processing device, information processing method and program, which enable settlement using current assets.SOLUTION: An information processing method disclosed herein includes: identifying, by an information processing device, a debt associated with a user; causing a current asset associated with the user to be liquidated; and settling at least a portion of the debt using a legal currency accrued from the liquidation.SELECTED DRAWING: Figure 7

Description

[Technical Field]

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

[0002] Conventionally, services that enable users (investors) to trade virtual currencies and various financial products online via a network using terminals such as computers, smartphones, tablets, and mobile phones with communication capabilities have been widely used. For example, Patent Document 1 discloses a settlement system that enables customers to exchange foreign currency and virtual currency for shopping. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Publication No. 2020-38646 Summary of the Invention [Problem to be solved by the invention]

[0004] However, the technology described in Patent Document 1 does not allow for recording of debts associated with users in cases such as when deferred payment is used, and therefore debts cannot be settled using liquid assets such as virtual currency.

[0005] Therefore, an object of the present invention is to provide an information processing method, an information processing device, and a program that enable liquidation using liquid assets. [Means for solving the problem]

[0006] An information processing method according to one aspect of the present invention includes an information processing device identifying a debt associated with a user, proceeding with the sale of liquid assets associated with the user, and settling at least a portion of the debt with legal tender generated by the sale.

[0007] According to this aspect, the information processing device can identify the debt associated with the user, proceed with the sale of the liquid assets associated with the user, and settle at least a part of the debt with the legal tender generated by the sale. Thus, settlement can be performed using the liquid assets. [Effects of the Invention]

[0008] According to the present invention, it is possible to provide an information processing method, an information processing device, and a program that enable liquidation using liquid assets. [Brief explanation of the drawings]

[0009] [Figure 1] 1 is a diagram illustrating a configuration of a communication system 1 according to an embodiment of the present disclosure. [Figure 2] FIG. 2 is a diagram illustrating an example of a hardware configuration of an information processing device 200 according to an embodiment. [Figure 3] FIG. 2 is a block diagram showing an example of the configuration of a server 110 and a terminal 120 according to the embodiment. [Figure 4A] FIG. 10 is a diagram showing an example of user information stored in a user information storage unit 3151 according to the embodiment. [Figure 4B] FIG. 10 is a diagram showing an example of deferred payment information stored in a deferred payment information storage unit 3152 according to the embodiment. [Figure 5] FIG. 2 is a diagram showing an example of a sequence of processes relating to settlement in the communication system 1 according to the embodiment. [Figure 6] 4 is a schematic diagram showing a display screen 401 as an example of a setting operation screen for a deferred payment service according to an embodiment. FIG. [Figure 7] FIG. 10 is a diagram showing an example of an operational flow of a deferred payment settlement process in the communication system 1 according to the embodiment. [Figure 8] FIG. 2 is a diagram showing an example of a sequence of processing related to payment in the communication system 1 according to the embodiment. [Figure 9]FIG. 4 is a schematic diagram showing a display screen 401 as an example of a payment screen according to the embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0010] A preferred embodiment of the present invention will be described with reference to the accompanying drawings. (Note that in each drawing, components with the same reference numerals have the same or similar configurations.)

[0011] <Legal compliance> The disclosures described herein, when implemented, are implemented in compliance with the laws and regulations of the countries in which the disclosures are implemented, and are implemented with all changes, substitutions, variations, modifications, and alterations that can be made by a person skilled in the art and are necessary to comply with the laws and regulations of the countries in which the disclosures are implemented.

[0012] An embodiment for implementing a process for providing services such as deferred payment and financing according to the present disclosure will be described with reference to the drawings.

[0013] <System configuration> 1 is a diagram illustrating a configuration of a communication system 1 according to an embodiment of the present disclosure. As illustrated in FIG. 1, in communication system 1, servers 110A, 110B, terminals 120A, 120B, and 120C are connected to financial institution server 140 via network 130.

[0014] In the present disclosure, when there is no need to distinguish between server 110A, server 110B, and financial institution server 140, server 110A and server 110B may each be expressed as server 110. Server 110 is an example of an "information processing device."

[0015] In the present disclosure, when there is no need to distinguish between terminal 120A, terminal 120B, and terminal 120C, terminal 120A, terminal 120B, and terminal 120C may each be expressed as terminal 120 (an example of an "information processing terminal").

[0016] The number of servers 110 and terminals is not limited to the example in Fig. 1. In the present disclosure, when it is not necessary to distinguish between the servers 110 and the terminals 120, the servers 110 and the terminals 120 may each be expressed as an information processing device 200. The number of information processing devices 200 connected to the network 130 is not limited to the example in Fig. 1.

[0017] The server 110 provides predetermined services to the terminal 120 used by the user via the network 130. Examples of predetermined services include, but are not limited to, payment services, financial services, e-commerce services, social networking services (SNS) such as messaging services using instant messengers, and content provision services that provide content such as music, videos, and books (including manga). The payment services may include, for example, payment services using two-dimensional codes and near-field wireless communication. The payment services may also include deferred payment services using credit cards.

[0018] Financial services may include, for example, money lending services and liquid asset (cryptocurrency, virtual currency, securities, etc.) trading services (cryptocurrency trading services, securities trading services, etc.). Depending on the type of liquid asset, the financial services may be provided via an external business (cryptocurrency business operator, etc.).

[0019] E-commerce services (transaction services) may include, for example, internet mail order services, person-to-person transaction services such as flea market services and online auction services, and instant purchase (pawn shop) services.

[0020] When a user uses a predetermined service via a terminal 120, the server 110 can provide the predetermined service to one or more terminals 120. The terminal 120 is, for example, a terminal such as a smartphone, tablet, or personal computer used by the user, and performs processing to use various services provided by the server 110.

[0021] Financial institution server 140 is a server operated by a financial institution that handles deposits, such as a bank (commercial bank) that is a joint-stock company licensed to operate a banking business under the Banking Act, and a cooperative financial institution that is a cooperative organization that handles deposits. Financial institution server 140 manages users' bank accounts and other deposit accounts. Financial institution server 140 may transfer funds to a user's deposit account, for example, when a transfer is made to the user's deposit account via a communication transaction such as Internet banking or an automated teller machine (ATM). Financial institution server 140 may also transfer funds to a user's deposit account, for example, by a transfer that transfers funds from another financial account of the same user to the deposit account.

[0022] The network 130 serves to connect two or more information processing devices 200. The network 130 refers to a communication network that provides a connection path so that the terminal 120 can connect to the server 110 and then transmit and receive data.

[0023] One or more portions of network 130 may be a wired network or a wireless network. Network 130 may include, by way of example and not limitation, an ad hoc network, an intranet, an extranet, a virtual private network (VPN), a local area network (LAN), a wireless LAN (WLAN), a wide area network (WAN), a wireless WAN (WWAN), a metropolitan area network (MAN), a portion of the Internet, a portion of the public switched telephone network (PSTN), a cellular network, Integrated Service Digital Networks (ISDNs), wireless LANs, Long Term Evolution (LTE), Code Division Multiple Access (CDMA), Bluetooth, satellite communications, or the like, or a combination of two or more thereof. Network 130 may include one or more networks 130.

[0024] The information processing device 200 may be any information processing device that can implement the processes, functions, and methods described in this disclosure. Examples of the information processing device 200 include, but are not limited to, a smartphone, a mobile phone (feature phone), a computer (such as, but not limited to, a desktop, laptop, or tablet), a server device, a media computer platform (such as, but not limited to, a cable or satellite set-top box or digital video recorder), a handheld computer device (such as, but not limited to, a personal digital assistant (PDA) or email client), a wearable device (such as, but not limited to, a glasses-type device or a watch-type device), or another type of computer or communication platform.

[0025] <Hardware configuration> The hardware configuration of the information processing device 200 included in the communication system 1 will be described with reference to Fig. 2. Fig. 2 is a diagram showing an example of the hardware configuration of the information processing device 200 according to the embodiment.

[0026] The information processing device 200 includes a processor 201, a memory 202, a storage 203, an input / output interface (input / output I / F) 204, and a communication interface (communication I / F) 205. The hardware components of the information processing device 200 are connected to each other via a bus B, for example and not by way of limitation.

[0027] The information processing device 200 realizes the processes, functions, and / or methods described in this disclosure through cooperation between the processor 201, memory 202, storage 203, input / output I / F 204, and communication I / F 205.

[0028] The processor 201 executes processes, functions, and methods implemented by codes or instructions included in a program stored in the storage 203. The processor 201 may include, but is not limited to, a central processing unit (CPU), a microprocessing unit (MPU), a graphics processing unit (GPU), a microprocessor, a processor core, a multiprocessor, an application-specific integrated circuit (ASIC), a field programmable gate array (FPGA), etc., and may implement each process disclosed in each embodiment using a logic circuit (hardware) or a dedicated circuit formed in an integrated circuit (an integrated circuit (IC) chip, a large-scale integration (LSI)), etc. Furthermore, these circuits may be implemented using one or more integrated circuits, and multiple processes described in each embodiment may be implemented using a single integrated circuit. Furthermore, LSIs may be referred to as VLSIs, super LSIs, ultra LSIs, etc. depending on the degree of integration.

[0029] The memory 202 temporarily stores programs loaded from the storage 203 and provides a working area for the processor 201. The memory 202 also temporarily stores various data generated while the processor 201 is executing the programs. The memory 202 includes, but is not limited to, RAM (Random Access Memory), ROM (Read Only Memory), and the like.

[0030] The storage 203 stores programs. Examples of the storage 203 include, but are not limited to, a hard disk drive (HDD), a solid state drive (SSD), and a flash memory.

[0031] The communication I / F 205 transmits and receives various data via the network 130. The communication may be performed either wired or wirelessly, and any communication protocol may be used as long as mutual communication is possible. The communication I / F 205 communicates with other information processing devices via the network 130. The communication I / F 205 transmits various data to other information processing devices in accordance with instructions from the processor 201. The communication I / F 205 also receives various data transmitted from other information processing devices and transmits the data to the processor 201.

[0032] The input / output I / F 204 includes an input device for inputting various operations to the information processing device 200, and an output device for outputting processing results processed by the information processing device 200. The input / output I / F 204 may be an integrated input device and output device, or may be separate input device and output device.

[0033] The input device is realized by any one or combination of all types of devices that can receive input from a user and transmit information related to the input to the processor 201. Examples of input devices include, but are not limited to, hardware keys such as a touch panel, a touch display, and a keyboard, pointing devices such as a mouse, a camera (for inputting operations via images), and a microphone (for inputting operations via voice).

[0034] The output device may be any of a variety of devices capable of outputting the processing results of the processor 201, or a combination thereof. When the processing results are output as video or video images, the output device may be any of a variety of devices capable of displaying the display data written to the frame buffer, or a combination thereof. Examples of output devices include, but are not limited to, touch panels, touch displays, monitors (including, but not limited to, liquid crystal displays and organic electroluminescence displays (OLEDs)), head-mounted displays (HDMs), projection mapping, holograms, devices capable of displaying images, text information, etc. in air (or even in a vacuum), speakers (audio output), printers, etc. Note that these output devices may be capable of displaying display data in 3D.

[0035] The programs of the embodiments of the present disclosure may be provided in a state stored in a computer-readable storage medium. The storage medium can store the programs in a "non-transitory tangible medium." Examples of the programs include, but are not limited to, software programs and computer programs.

[0036] The storage medium may, where appropriate, include one or more semiconductor-based or other integrated circuits (ICs) (by way of example and not limitation, field programmable gate arrays (FPGAs), application specific ICs (ASICs), etc.), hard disk drives (HDDs), hybrid hard drives (HHDs), optical disks, optical disk drives (ODDs), magneto-optical disks, magneto-optical drives, floppy diskettes, floppy disk drives (FDDs), magnetic tapes, solid state drives (SSDs), RAM drives, secure digital cards or drives, any other suitable storage media, or any suitable combination of two or more of these. The storage medium may, where appropriate, be volatile, non-volatile, or a combination of volatile and non-volatile.

[0037] Furthermore, the program of the present disclosure may be provided to the information processing device 200 via any transmission medium (such as a communication network or broadcast waves) capable of transmitting the program.

[0038] Furthermore, each embodiment of the present disclosure may also be realized in the form of a data signal embedded in a carrier wave in which a program is embodied by electronic transmission.

[0039] The programs of the present disclosure are implemented using, for example and without limitation, scripting languages ​​such as JavaScript (registered trademark) and Python, C language, Go language, Swift, Kotlin, Java (registered trademark), and the like.

[0040] At least a part of the processing in the information processing device 200 may be realized by cloud computing configured by one or more computers.

[0041] At least a part of the processing in the information processing device 200 may be performed by another information processing device. In this case, at least a part of the processing of each unit realized by the processor 201 may be performed by the other information processing device.

[0042] <Other> Unless explicitly stated otherwise, the judgment configuration in the embodiments of the present disclosure is not required, and a predetermined process may be performed when the judgment condition is met, or when the judgment condition is not met.

[0043] The present disclosure encompasses all changes, substitutions, variations, alterations, or modifications that a person skilled in the art may make to the embodiments and examples of the present disclosure. The appended claims also encompass all changes, substitutions, variations, alterations, or modifications that a person skilled in the art may make to the embodiments and examples of the present disclosure. Furthermore, the present disclosure encompasses any combination, that a person skilled in the art may make, of one or more features of an embodiment or example of the present disclosure with one or more features of another embodiment or example of the present disclosure.

[0044] In addition, references in the appended claims to an apparatus or system, or a component of an apparatus or system, that is adapted, arranged, capable, configured, enabled, operable, or capable of performing a particular process, function, or method encompass that apparatus, system, or component, so long as the apparatus, system, or component is so adapted, arranged, capable, configured, enabled, enabled, or capable of performing, or can perform, regardless of whether the apparatus, system, component, or a particular function thereof is activated, turned on, or unlocked.

[0045] <Functional configuration> The configurations of the server 110 and the terminal 120 will be described using Fig. 3. Fig. 3 is a diagram showing an example of a block diagram showing the configurations of the server 110 and the terminal 120 according to an embodiment. Each unit disclosed in Fig. 3 is realized by cooperation of a processor 201, a memory 202, a storage 203, an input / output I / F 204, and a communication I / F 205 provided in the information processing device 200.

[0046] <<Server configuration>> The server 110 includes a reception unit 311, a transmission / reception unit 312, a control unit 313, a display control unit 314, and a storage unit 315. Note that the processing, functions, or processes of each unit may be realized by machine learning or AI (Artificial Intelligence) to the extent feasible.

[0047] The reception unit 311 receives various setting operations and the like from businesses that operate the various services provided by the server 110.

[0048] The transmitting / receiving unit 312 transmits and receives data to and from the terminal 120 in accordance with instructions from the control unit 313. Note that the transmitting / receiving unit 312 connects a communication session with the terminal 120 using HTTPS or the like when the user of the terminal 120 is authenticated, for example, by the user ID and password included in a login request from the terminal 120. Then, the transmitting / receiving unit 312 stores the communication address and user ID of the terminal 120 or the like in association with the ID of the connected communication session. Then, the transmitting / receiving unit 312 transmits data to the terminal 120 or the like using the connected communication session.

[0049] The control unit 313 performs processing to provide various services such as e-commerce services and payment services to the user of the terminal 120. The display control unit 314, in accordance with instructions from the control unit 313, causes the transmitting / receiving unit 312 to transmit information for controlling the display screen of the terminal 120 or the like.

[0050] The storage unit 315 includes a user information storage unit 3151 that stores user information, a deferred payment information storage unit 3152 that stores deferred payment information, and the like.

[0051] (User information storage unit 3151) 4A is a diagram showing an example of user information stored in the user information storage unit 3151 according to the embodiment. In the example of FIG. 4A, the user information storage unit 3151 stores "legal tender balance," "liquid asset balance," "bank account," "behavioral history," and "personal information" in association with a user ID. The user ID is identification information of the user.

[0052] The "legal tender balance" is the balance of legal tender that the user can use for various payments or settlements in the payment service provided by the server 110. In the example of FIG. 4A, the "legal tender balance" includes a "deposit balance (yen)," "sales proceeds (yen)," and "points." The "deposit balance" is, for example, the balance of electronic value as legal tender that has been charged using a bank, credit card, a store cash register, or the like. The "sales proceeds" is, for example, the total amount in legal tender obtained by deducting a commission from the price of goods, etc., when the user sells goods, etc., using the transaction service provided by the server 110. The "points" are, for example, points granted to the user by the server 110, and are legal tender points that can be used for, for example, payments in the payment service provided by the server 110 and settlement of deferred payments. Note that one point may be used to pay one yen. In the example of Fig. 5A, the legal tender balance available for user A to make payments or settlements is 8,600 yen, consisting of a deposit balance of 7,000 yen, sales of 1,500 yen, and points worth 100 yen. Although not shown, a credit rating (credit score) may be associated with the user ID.

[0053] The "liquid asset balance" is the balance of liquid assets that can be used by the user for various payments or settlements in the payment services provided by the server 110. In the example of FIG. 4A, the "liquid asset balance" includes "Bitcoin (BTC)." "Bitcoin" is the balance of Bitcoin that can be used by the user for various payments in the payment services provided by the server 110. Note that the "liquid asset balance" is not limited to Bitcoin, and may include balances of other cryptocurrencies, securities, and other liquid assets.

[0054] A "bank account" is, for example, a user's deposit account registered by the user at a financial institution affiliated with the business that operates server 110, and is a deposit account (a deposit account for manual charging) that allows the user to deposit (charge) money from the deposit balance to the legal tender balance through user operation.

[0055] "Behavioral history" refers to the user's behavioral history. "Behavioral history" may include, for example, behavioral history in a payment service provided by server 110 and behavioral history in an e-commerce service provided by server 110. Behavioral history in a payment service may include, for example, a balance history including a history of payments, settlements, person-to-person remittances, and deposits and withdrawals by charging a balance from a deposit account at a financial institution. Behavioral history in a payment service may also include, for example, a history related to deferred payment, including a history of debt settlements such as deferred payment. Behavioral history in an e-commerce service provided by server 110 may include, for example, a history of buying and selling goods and the like using the e-commerce service.

[0056] "Personal information" is personal information about the user. "Personal information" may include, for example, name, address, date of birth, annual income, family composition, whether or not the user owns a home, place of employment (occupation), and other information.

[0057] (Deferred payment information storage unit 3152) 4B is a diagram showing an example of deferred payment information stored in the deferred payment information storage unit 3152 according to the embodiment. The deferred payment information is information relating to the deferred payment service provided by the server 110. In the example of FIG. 4B, the deferred payment information storage unit 3152 stores "credit limit," "budget limit," "debt," "settlement timing," "withdrawal rate," "adjustment information," and "point redemption information" in association with a user ID.

[0058] The "credit limit" is the limit on the amount of debt that can be used for deferred payment. The credit limit may be calculated by the server 110 or the like based on at least one of the user's behavioral history, personal information, credit rating, etc. The credit limit may be updated at predetermined intervals or at predetermined timing.

[0059] The "budget limit" is the upper limit of the amount to be settled (paid, repaid) using the deferred payment service on each settlement date (for example, the end of each month). The budget limit may be set arbitrarily by the user or each business operator.

[0060] "Debt" may include anything that can be recorded as debt (e.g., principal, interest, interest fees, etc.). Specifically, "debt" may include debt incurred through deferred payment transactions or debt incurred when using loans. "Debt" may also include additional collateral (margin calls) in cryptocurrency transactions.

[0061] "Settlement timing" is information indicating the timing of settlement when deferred payment is used. "Settlement timing" may include, for example, regular settlement and optional settlement. In regular settlement, for example, settlement is carried out at a regular date and time specified by the user. The regular date and time is not particularly limited, but may be, for example, a fixed monthly date (withdrawal date). In optional settlement, settlement is carried out, for example, when a specified operation by the user is accepted. The specified operation may be, for example, an operation to select to carry out settlement, and the operation may be able to be carried out at any timing.

[0062] The "withdrawal ratio" is information that specifies the ratio of the fiat currency balance to the liquid asset balance to be debited during liquidation. For example, "fiat currency balance: liquid asset balance = 50:50" indicates that 50% of the debt to be liquidated will be debited from the fiat currency balance, and 50% of the debt will be debited from the liquid asset balance. Furthermore, for example, "fiat currency balance: liquid asset balance = 0:100" indicates that no debt to be liquidated will be debited from the fiat currency balance (0%), and all of the debt (100%) will be debited from the liquid asset balance. The "withdrawal information" may include not only the ratio of the fiat currency balance to the liquid asset balance to be debited during liquidation, but also information indicating the ratio of each type of fiat currency balance (e.g., deposit balance, sales proceeds, and points) and the ratio of each type of liquid asset balance (e.g., cryptocurrency and securities).

[0063] "Adjustment information" is information that specifies an adjustment method in the event of a surplus or deficiency in the debt to be liquidated. "Adjustment information" can be set arbitrarily, but may be specified, for example, as follows: The adjustment information may include, for example, an adjustment method in the event that the liquid asset balance (the sales profit if all of the liquid assets are sold) is insufficient to cover the debt. In this case, for example, the shortfall may be debited from the fiat currency balance. The adjustment information may also include, for example, an adjustment method in the event that the sales profit from the liquid asset balance exceeds the debt. For example, if a minimum unit for selling liquid assets is set (for example, if stocks need to be sold in increments of 100 shares), the sales profit from the liquid asset balance (for example, the amount obtained from selling 100 shares) may exceed the debt. In such a case, the excess amount may be deposited into the fiat currency balance, or the liquidation process may be canceled.

[0064] "Benefit information" is information that specifies the benefit to be granted to the user in response to the settlement. The benefit may be, for example, points that are returned to the user. The returned points may be added to the "points" in the "legal tender balance" in the user information storage unit 3151. The points may be an amount obtained by multiplying the settlement amount by a predetermined coefficient. The points may also be an amount corresponding to the profit obtained by delta neutralization of liquid assets, which will be described later. Note that the benefit is not limited to points and may be in other forms (such as coupons, rights or tickets for using a predetermined service, etc.).

[0065] <<Device configuration>> The terminal 120 includes a reception unit 321, a transmission / reception unit 322, a control unit 323, a display control unit 324, and a storage unit 325. The processing, functions, or methods of each unit may be realized by machine learning or AI to the extent feasible.

[0066] The reception unit 321 receives various operations from the user of the terminal 120 .

[0067] The transmitting / receiving unit 322 transmits and receives data to and from the server 110, etc., in accordance with instructions from the control unit 323. For example, when logging in to the server 110, the transmitting / receiving unit 322 connects a communication session with the server 110 using HTTPS, etc. Then, the transmitting / receiving unit 322 stores the communication address, etc. of the server 110 in association with the ID of the connected communication session. Then, the transmitting / receiving unit 322 transmits data to the server 110 using the connected communication session.

[0068] The control unit 323 performs processing to utilize the various services provided by the server 110 .

[0069] The display control unit 324 controls the display screen of the terminal 120 according to instructions from the control unit 323 and based on information received from the server 110, etc.

[0070] The storage unit 325 stores information for using services provided by the server 110, etc.

[0071] <Processing of the embodiment> An example of the processing of the communication system 1 according to the embodiment will be described with reference to Fig. 5 to Fig. 9. The following description will be given taking as an example a case where a user uses an e-commerce service.

[0072] <<Liquidation-related processing>> 5 is a diagram showing an example of a processing sequence related to settlement in the communication system 1 according to the embodiment. It is assumed that the terminal 120A is authenticated by the server 110 using the account of user A when communicating with the server 110.

[0073] First, the terminal 120A receives from the user A a setting operation for the deferred payment service provided by the server 110 (step S11).

[0074] 6 is a schematic diagram showing a display screen 401, which is an example of a setting operation screen for the deferred payment service according to the embodiment. The display screen 401 is displayed on the terminal 120A, for example, in step S11. The display screen 401 may include, for example, an area 402 for setting a budget, an area 403 for setting the settlement timing, an area 404 for setting a withdrawal rate, an area 405 for setting adjustment information, an area 406 for setting point redemption information, an operation button 407 for confirming the settings, and the like.

[0075] In the area 402 for setting the budget, the budget can be input. In the area 403 for setting the settlement timing, the settlement timing can be selected from, for example, regular settlement or optional settlement. In the case of regular settlement, the settlement date can also be specified.

[0076] In the area 404 for setting the withdrawal ratio, it is possible to specify the ratio of the legal tender balance and the liquid asset balance to be withdrawn during liquidation. In the area 405 for setting adjustment information, it is possible to specify the adjustment method in the event of an excess or deficiency in the debt to be liquidated. In this area 405, it is possible to specify how to handle cases such as when the liquid asset balance is insufficient or when the sales profit on the liquid asset balance exceeds the liquid asset balance. In the area 406 for setting point redemption information, it is possible to set the point redemption information. When the operation button 407 is selected, the entered setting information for the deferred payment service is confirmed.

[0077] Next, terminal 120A transmits a setting request for the deferred payment service to server 110 based on the setting information input in step S11 (step S12). The setting request for the deferred payment service may include the user ID of user A. Note that server 110 may acquire the user ID of terminal 120A based on the ID of the communication session for the request received from terminal 120A.

[0078] Next, the server 110 records the setting information included in the setting request for the deferred payment service in the deferred payment information storage unit 3152 (step S13).

[0079] Next, terminal 120A accepts an operation from user A to purchase product A using deferred payment (step S14).

[0080] Subsequently, the terminal 120A transmits a request to use the deferred payment option to the server 110 (step S15). Here, the request to use the deferred payment option may include information indicating the user A's user ID, the payment amount, and the product A, for example.

[0081] Next, the server 110 performs a payment process for the price of the product A using the deferred payment service (step S16). Specifically, the server 110 records information such as the deferred payment debt of the user A in the deferred payment information storage unit 3152, for example.

[0082] Thereafter, the server 110 settles the deferred payment debt of the user A at a predetermined settlement timing (step S17).

[0083] 7 is a diagram showing an example of an operational flow of the deferred payment settlement process of the communication system 1 according to the embodiment. The deferred payment settlement process is executed, for example, in step S17 described above.

[0084] First, the server 110 identifies the debt associated with the user A (S171). Specifically, the server 110 acquires the debt associated with the user A from the user information storage unit 3151 to identify it.

[0085] Next, the server 110 proceeds with the sale of the liquid assets associated with user A (S172). The server 110 may determine the amount of liquid assets to be sold based on the debt identified in step S171. Specifically, for example, the server 110 may multiply the identified debt by the "percentage of the liquid asset balance" included in the "withdrawal rate" stored in the deferred payment information storage unit 3152 and determine the amount to be settled from the liquid asset balance. Then, after obtaining the current value of the liquid assets, the server 110 may determine the amount of liquid assets to be sold based on the current value so that the amount matches the amount to be settled from the liquid asset balance. Here, the current value of the liquid assets may be the current value of the liquid assets at the time of settlement. Information on the current value may be stored in the storage unit 315, for example, or may be obtained by the server 110 from another information processing device or the like via the network 130. The sold amount is subtracted from the liquid asset balance in the user information storage unit 3151.

[0086] Next, the server 110 settles at least a portion of the debt with the legal tender (sales profit) generated by the sale of the liquid assets (S173). Specifically, the server 110 subtracts the sales profit from the debt in the deferred payment information storage unit 3152. Note that, if a ratio of the legal tender balance is specified in the deferred payment information storage unit 3152, the server 110 also settles using the legal tender balance. For example, the server 110 subtracts the amount of the legal tender balance specified in the deferred payment ratio from the legal tender balance in the user information storage unit 3151, and then subtracts that amount from the debt in the deferred payment information storage unit 3152. In addition, if there is a surplus or deficiency in the debt to be settled, the server 110 may make an adjustment based on the adjustment information in the deferred payment information storage unit 3152. For example, if the liquid asset balance (the sales profit if all of it is sold) is insufficient to cover the debt, the server 110 may deduct the shortfall from the fiat currency balance. Also, for example, if the sales profit from the liquid asset balance exceeds the debt, the server 110 may credit the excess to the fiat currency balance. If there is a surplus or deficiency in the debt to be liquidated, the server 110 may stop processing and send a notification to user A to terminal 120A.

[0087] In addition, when liquid assets are crypto assets, there may be cases where the payment service provider and the crypto asset business operator are separate. In this case, the server 10 may transmit the amount to be settled from the payment service provider to the crypto asset business operator, which may then process the sale of the crypto assets as liquid assets, and transfer the legal tender obtained from the sale (sale profits) from the user's account with the crypto asset business operator to the user's account with the payment service provider. Alternatively, the payment service provider may temporarily advance at least a portion of the debt and transfer funds between the accounts at a predetermined time.

[0088] The server 110 may execute a process of granting a benefit to user A in response to the settlement in step S173. For example, as an example of a benefit, the server 110 may calculate points obtained by multiplying the settlement amount (the amount withdrawn from the legal tender balance and / or the amount withdrawn from the liquid asset balance) by a predetermined coefficient. The server 110 may add the calculated points to the "points" of the "legal tender balance" in the user information storage unit 3151, for example.

[0089] In this way, in the communication system 1 of the embodiment, debts associated with a user are identified, and at least a portion of the debts are settled with the proceeds (legal tender) generated from the sale of liquid assets associated with the user, making it possible to provide the user with a service that allows them to settle debts using liquid assets.

[0090] <<Delta Neutral>> The rewards given to users through settlement using liquid assets, which will be described later, may be points based on profits obtained through delta neutrality performed by server 110. Below, delta neutrality processing will be explained using an example in which liquid assets are Bitcoin.

[0091] First, in step S16, server 110 acquires bitcoins equivalent to the payment amount from user A's bitcoin balance through a payment process for product A, which uses bitcoins. In addition, server 110 holds a bitcoin short position based on the bitcoin margin equivalent to the payment amount. Note that in forming a delta neutral balance, the short position need not be for the entire amount of bitcoins equivalent to the payment amount, but may be for at least a portion of that amount. This creates a delta neutral balance between the spot bitcoins acquired from user A and the short position. By forming a delta neutral balance, the spot bitcoins and the short position show roughly opposite price movements in response to fluctuations in the current value of bitcoins, thereby reducing fluctuations in the valuation of the entire asset.

[0092] By holding a short position, the server 10 is entitled to obtain a fund raising fee according to the fund raising rate, and is therefore able to obtain a fund raising fee based on the short position it holds.

[0093] When settling the acquired bitcoins (i.e., when converting the acquired bitcoins into legal tender), server 110 sells the bitcoins acquired from user A and also liquidates the bitcoin short position. This eliminates delta neutrality. In both cases where the market price of bitcoins rises or falls from the time of settlement, fluctuations in the valuation of the entire asset are reduced by holding a short bitcoin position, which moves in roughly the opposite direction to the spot bitcoin.

[0094] By holding a short position from the time of settlement to the time of liquidation, the server 110 continues to obtain a funding fee according to the funding rate. The server 110 may calculate points based on the obtained funding fee and award the points to User A. The points may be at least a portion of the obtained funding fee or the entire amount. The at least a portion of the amount may be, for example, a value obtained by multiplying the obtained funding fee by a predetermined coefficient. The predetermined coefficient may be determined, for example, based on the user's personal information, behavioral history, creditworthiness, etc.

[0095] <<Payment processing>> FIG. 8 is a diagram showing an example of a sequence of processing related to payment in the communication system 1 according to the embodiment.

[0096] Terminal 120A accepts a payment operation from User A to purchase Product A (Step S21).

[0097] 9 is a schematic diagram showing a display screen 401, which is an example of a payment screen according to the embodiment. The display screen 501 is displayed on the terminal 120A, for example, in step S21. The display screen 501 may include, for example, an area 502 for displaying product information, an area 503 for setting the amount of points to be used, an area 504 for setting the amount of legal tender balance to be used, an area 505 for setting the amount of current asset balance to be used, an area 506 for displaying the payment amount, and an operation button 507 for confirming the purchase.

[0098] In area 502 displaying product information, information about product A, such as an image of product A and the price, is displayed. In area 503, it is possible to specify the amount of points to be used for payment. In area 504, it is possible to specify the amount of legal currency balance to be used for payment. In area 504, it may be possible to specify the type of legal currency balance to be used for payment (e.g., deposit balance, sales proceeds, points, etc.). In area 505, it is possible to specify the amount of liquid asset balance to be used for payment. In area 506, it may be possible to specify the type of liquid asset balance to be used for payment (e.g., cryptocurrency, securities, etc.). Note that display screen 501 may be configured to allow, for example, the ratio of legal currency balance and liquid asset balance to be used for payment to be specified. In area 506, the payment amount (price of the product) is displayed. When operation button 507 is selected, the purchase of product A is confirmed.

[0099] Next, terminal 120A transmits a payment request to server 110 (step S22). Here, the payment request may include, for example, user A's user ID, the payment amount, information indicating product A, and information on the payment method entered on display screen 501. The payment amount may include the amount to be paid for each balance type, and may include, for example, the amount to be paid from each of the legal currency balance and the liquid asset balance. Furthermore, the payment amount may include, for example, the payment amount for each type of legal currency balance to be paid (e.g., deposit balance, sales proceeds, points, etc.), or the payment amount for each type of liquid asset balance (e.g., cryptocurrency, securities, etc.).

[0100] Next, the server 110 executes the payment process for the price of the product A based on the payment request (step S23).

[0101] For example, if the payment request includes a payment amount for the legal currency balance, the server 110 subtracts the payment amount from the legal currency balance in the user information storage unit 3151. If the payment request includes a payment amount for each type of legal currency balance to be paid (for example, deposit balance, sales proceeds, points, etc.), the server 110 subtracts the payment amount from the type of legal currency balance.

[0102] Furthermore, for example, when the settlement request includes the settlement amount of the liquid asset balance, the server 110 subtracts the settlement amount from the liquid asset balance in the user information storage unit 3151 and then proceeds with the sale of the liquid assets for the settlement amount (an example of a second sale). The sale amount of the liquid assets may be based on the settlement amount. Specifically, for example, the server 110 may obtain the current value of the liquid assets and, based on the current value, determine the sale amount of the liquid assets so that the sale amount matches the settlement amount based on the liquid asset balance.

[0103] Here, the current value of the liquid assets may be the current value of the liquid assets at the time of settlement. Information on the current value may be stored in the storage unit 315, for example, or may be obtained by the server 110 from another information processing device or the like via the network 130.

[0104] In this way, in the communication system 1 of the embodiment, when a user makes a payment, the payment processing is performed for at least a portion of the payment amount using the sales profit (legal tender) generated from the sale of liquid assets associated with the user, making it possible to provide the user with a service that allows them to make payments using liquid assets.

[0105] <Notes> The disclosed technology is not limited to the above-described embodiment, and can be implemented in various other forms without departing from the spirit of the disclosed technology. For example, the order of the above-described processing steps can be arbitrarily changed or executed in parallel as long as no contradiction occurs in the processing content. [Explanation of symbols]

[0106] 1...communication system, 110...server, 311...reception unit, 312...transmission / reception unit, 313...control unit, 314...display control unit, 315...storage unit, 3151...user information storage unit, 3152...postpaid information storage unit, 120...terminal, 321...reception unit, 322...transmission / reception unit, 323...control unit, 324...display control unit, 325...storage unit, 140...financial institution server

Claims

1. The information processing device Identifying a debt associated with the user; proceeding with the sale of liquid assets associated with the user; settling at least a portion of said debt with the fiat currency generated from said sale; An information processing method including:

2. The information processing method according to claim 1 , further comprising settling at least another portion of the debt with a legal tender associated with the user.

3. The information processing method according to claim 2 , further comprising determining a ratio between the at least one portion and the other at least one portion based on ratio information predetermined by the user.

4. The information processing method according to claim 1 , wherein the debt includes at least one of a deferred payment debt and a loan debt.

5. The information processing method of claim 1 , wherein proceeding with the sale includes determining an amount of the liquid assets to be sold based on the identified debt.

6. The information processing method according to claim 5 , wherein determining the sale amount includes determining the sale amount as an amount equivalent to the at least part of the identified debt.

7. The information processing method according to claim 5 , wherein determining the selling amount includes determining the selling amount based on a current value of the liquid assets.

8. The information processing method according to claim 1 , wherein the settlement is performed at a predetermined timing.

9. The information processing method according to claim 1 , wherein the settlement is performed at a timing when a request for settlement is acquired.

10. The information processing method according to claim 1 , further comprising the step of: providing a predetermined benefit to the user in response to the settlement of at least a portion of the debt.

11. The information processing method according to claim 10 , wherein the amount of the predetermined reward is determined based on at least a portion of the amount of the debt.

12. proceeding with a second sale of the liquid assets when a settlement request is obtained from the user; The information processing method according to claim 1 , further comprising: executing a settlement process for at least a portion of the settlement amount with legal tender generated by the second sale.

13. The information processing method of claim 11 , wherein proceeding with the second sale includes determining an amount of the liquid assets to be sold based on an amount of the settlement.

14. In the information processing device, Identifying a debt associated with the user; proceeding with the sale of liquid assets associated with the user; settling at least a portion of said debt with the fiat currency generated from said sale; A program to execute.

15. means for identifying a debt associated with a user; means for facilitating the sale of liquid assets associated with the user; means for settling at least a portion of said debt with the fiat currency generated by said sale; An information processing device having the above.

Images