Information processing method, program, and information processing apparatus

Abstract

To promote the use of liquidity transaction by mounting a new privilege imparting scheme to a user who does not use a liquidity transaction service.SOLUTION: An information processing method includes providing a liquidity transaction service to each user, acquiring behavior information of a target user who does not use the liquidity transaction service with respect to a predetermined service, associating fiat currency or liquidity with the target user based on the behavior information, and associating benefit liquidity related to the associated liquidity or liquidity calculated based on the fiat currency with an account of the target user of the liquidity transaction service when the target user starts using the liquidity transaction service.SELECTED DRAWING: Figure 7

Description

[Technical Field]

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

[0002] Conventionally, in order to provide users with a convenient virtual currency payment, a technology has been known in which payment terminals receive payment availability information indicating the virtual currencies that can be used for payment, receive currency information related to price fluctuations of the virtual currencies, and display the currency information on a display device (see, for example, Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Publication No. 2022-48316 Summary of the Invention [Problem to be solved by the invention]

[0004] In the prior art, profit and loss information is displayed for a list of virtual currency assets held by a user, and settlement can be made with the selected virtual currency, but this is not a service that can be used by users who do not use liquid asset trading services such as virtual currency. On the other hand, there is a need for businesses that provide liquid asset trading services to encourage users to use their liquid asset trading services.

[0005] Therefore, the present disclosure aims to provide an information processing method, program, and information processing device that can implement a new reward scheme for users who do not use liquid asset trading services, thereby promoting the use of liquid asset trading. [Means for solving the problem]

[0006] An information processing method according to one embodiment of the present disclosure includes an information processing device providing a liquid asset trading service to each user, acquiring behavioral information regarding a specified service of a target user who is not using the liquid asset trading service, associating fiat currency or liquid assets with the target user based on the behavioral information, and, when the target user starts using the liquid asset trading service, associating the associated liquid assets or bonus liquid assets related to the liquid assets calculated based on the fiat currency with the target user's account for the liquid asset trading service. [Brief explanation of the drawings]

[0007] [Figure 1] 1A to 1C are diagrams illustrating an example of a configuration of an information processing system according to an embodiment, an example of a hardware configuration of a server according to the present disclosure, and an example of a hardware configuration of a terminal according to the present disclosure. [Figure 2] FIG. 4 is a diagram illustrating an example of user information according to the embodiment. [Figure 3] FIG. 4 is a diagram illustrating an example of account information according to the embodiment. [Figure 4] FIG. 10 is a diagram illustrating an example of payment management information according to the embodiment. [Figure 5] FIG. 10 is a diagram showing an example of transaction management information according to an embodiment. [Figure 6] FIG. 2 is a diagram illustrating an example of usage history information of a job matching service according to an embodiment. [Figure 7] 1 shows an example of a flowchart of processing of an information processing system according to an embodiment. [Figure 8] 10 shows an example of a flowchart of a process related to account opening in the information processing system according to the embodiment. [Figure 9] FIG. 2 is a diagram illustrating an example of a home screen of the terminal according to the embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0008] <Legal compliance> The disclosures described herein are implemented in compliance with the laws and regulations of each country in which the disclosures are implemented, and are implemented with all changes, substitutions, variations, modifications, or alterations that a person skilled in the art may make that are necessary to comply with the laws and regulations of each country.

[0009] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An information processing method, a program, and an information processing device according to the present disclosure will be described with reference to the accompanying drawings.

[0010] <System configuration> 1 discloses a configuration of an information processing system 1 according to an embodiment of the present disclosure. In the information processing system 1, servers 110A, 110B, terminals 120A, 120B, and 120C, and servers 150 and 160 that cooperate with server 110A are connected via network 130. For example, by cooperating with servers 150 and 160, server 110A can acquire information related to a service provided by server 150 (e.g., a liquidity trading service) and a service provided by server 160 (e.g., a job matching service).

[0011] When there is no need to distinguish between server 110A and server 110B, server 110A and server 110B may each be expressed as server 110. Note that the number of servers 110 connected to network 130 is not limited.

[0012] 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. Note that the number of terminals 120 connected to network 130 is not limited.

[0013] The server 110 provides predetermined services to the terminal 120 used by the user via the network 130. The predetermined services include, but are not limited to, payment services, financial services, e-commerce services, social networking services (SNS) such as instant messaging services, and content provision services such as music, videos, and books. The server 150 builds a trading platform for currency or property rights with fluctuating value and provides, for example, cryptocurrency trading services to the terminal 120. The server 160 provides, for example, services for publishing job information and executing a hiring process (matching process) for applications from workers to the terminal 120. The servers 110, 150, and 160 may each provide one or more of their respective services individually, or may provide one or more of their respective services together. The servers 110, 150, and 160 provide their respective services to one or more terminals 120, allowing users to use the respective services via the terminal 120.

[0014] As necessary, the terminal used by user X will be referred to as terminal 120X, and information associated with the user in a predetermined service, which is associated with user X or terminal 120X, will be referred to as user information X. User information may include, but is not limited to, information associated with the user, such as the user's name, user icon image, user age, user gender, user address, user hobbies and interests, and user identifier, which is input by the user or assigned by the predetermined service, balance information of electronic value (electronic money) associated with the user, credit card information (such as a credit card number) associated with the user, and the like.

[0015] The network 130 connects two or more servers 110, 150, 160 or two or more terminals 120. The network 130 provides a connection path so that the terminal 120 can connect to the servers 110, 150, 160 and then transmit and receive data.

[0016] One or more portions of network 130 may be a wired network or a wireless network. Network 130 may be, for example and without 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 any combination thereof. Network 130 may include one or more networks 130.

[0017] Servers 110, 150, 160 and terminal 120 may be any information processing device capable of implementing the processes, functions or methods described in this disclosure.

[0018] Servers 110, 150, 160 and terminal 120 may be, for example and without limitation, smartphones, mobile phones (feature phones), computers (for example and without limitation, desktops, laptops, tablets, etc.), server devices, media computing platforms (for example and without limitation, cable, satellite set-top boxes, digital video recorders, etc.), handheld computing devices (for example and without limitation, PDAs (Personal Digital Assistants), email clients, etc.), wearable devices (for example and without limitation, glasses-type devices, watch-type devices, etc.), other types of computers, or communication platforms, or any combination thereof.

[0019] <Hardware configuration of each information processing device> (1) Server hardware configuration The hardware configuration of the server 110 included in the information processing system 1 will be described with reference to FIG.

[0020] The server 110 includes a processor 111, a memory 112, a storage 113, an input / output interface (input / output I / F) 114, an input device 115, an output device 116, and a transmitter / receiver 117. The hardware components of the server 110 are connected to each other via a bus B, for example and not by way of limitation.

[0021] The server 110 realizes the processes, functions, or methods described in this disclosure through cooperation between the processor 111, memory 112, storage 113, input / output I / F 114, and transceiver 117.

[0022] The processor 111 executes processes, functions, or methods implemented by code or instructions included in a program stored in the storage 113. The processor 111 may include, but is not limited to, one or more central processing units (CPUs), microprocessing units (MPUs), graphics processing units (GPUs), microprocessors, processor cores, multiprocessors, application-specific integrated circuits (ASICs), field programmable gate arrays (FPGAs), etc., and may implement the processes, functions, or methods disclosed in each embodiment using logic circuits (hardware) or dedicated circuits formed in integrated circuits (IC (Integrated Circuit) chips, LSIs (Large Scale Integration)), 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.

[0023] The memory 112 temporarily stores the program 1121 loaded from the storage 113 and provides a working area for the processor 111. The memory 112 also temporarily stores various data generated while the processor 111 is executing the program. The memory 112 may be, for example, but not limited to, a random access memory (RAM), a read only memory (ROM), or a combination of these. The storage 113 stores programs and various data. The storage 113 may be, for example, but not limited to, a hard disk drive (HDD), a solid state drive (SSD), a flash memory, or a combination of these.

[0024] The input / output I / F 114 is connected to an input device 115 for inputting various operations to the server 110 and an output device 116 for outputting the results of processing performed by the server 110 .

[0025] The input device 115 is realized by any one of all types of devices or a combination thereof that can receive input from a user and transmit information related to the input to the processor 111 via the input / output I / F 114. The input device may be, but is not limited to, a touch panel, a touch display, hardware keys such as a keyboard, a pointing device such as a mouse, a camera (for inputting operations via images), a microphone (for inputting operations via voice), or a combination of these.

[0026] The output device 116 may be any of a variety of devices capable of outputting the processing results of the processor 111 via the input / output I / F 114, or a combination thereof. When the processing results are output as video or video images, the output device 116 may be any of a variety of devices capable of displaying display data written to a frame buffer, or a combination thereof. The output device 116 may be, but is not limited to, a touch panel, a touch display, a monitor (such as, but not limited to, a liquid crystal display or an organic electroluminescence display (OLED)), a head-mounted display (HMD), projection mapping, a hologram, a device capable of displaying images, text information, etc. in air (or a vacuum), a speaker (audio output), a printer, or a combination thereof. These output devices may also be capable of displaying display data in 3D.

[0027] The input device 115 and the output device 116 may be integrated, or may be separate devices.

[0028] The transmitting / receiving unit 117 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 transmitting / receiving unit 117 has a function of communicating with other information processing devices via the network 130. The transmitting / receiving unit 117 transmits various data to other information processing devices in accordance with instructions from the processor 111. The transmitting / receiving unit 117 also receives various data transmitted from other information processing devices and transmits it to the processor 111. Note that the servers 150 and 160 have the same devices as the server 110, and therefore a description thereof will be omitted.

[0029] (2) Hardware configuration of the terminal 120 The hardware configuration of the terminal 120 included in the information processing system 1 will be described with reference to FIG.

[0030] The terminal 120 includes a processor 121, a memory 122, a storage 123, an input / output I / F 124, an input device 125, an output device 126, a transmitter / receiver 127, and a reader 128. The hardware components of the terminal 120 are connected to each other via a bus B, for example and not by way of limitation.

[0031] The terminal 120 realizes the processing, functions, or methods described in this disclosure through cooperation between the processor 121, memory 122, storage 123, input / output I / F 124, input device 125, output device 126, transceiver 127, and reader 128.

[0032] The processor 121 executes processes, functions, or methods implemented by codes or instructions included in a program stored in the storage 123. The processor 121 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 the processes, functions, or methods 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.

[0033] The memory 122 temporarily stores the program 1221 loaded from the storage 123 and provides a working area for the processor 121. The memory 122 also temporarily stores various data generated while the processor 121 is executing the program 1221. The memory 122 may be, for example and without limitation, a random access memory (RAM), a read only memory (ROM), or the like, or a combination of these.

[0034] The storage 123 stores programs and various data. The storage 123 may be, for example and without limitation, a hard disk drive (HDD), a solid state drive (SSD), a flash memory, or a combination of these.

[0035] The input / output I / F 124 is connected to an input device 125 for inputting various operations to the terminal 120 and an output device 126 for outputting the results of processing performed by the terminal 120 .

[0036] The input device 125 is realized by any one of or a combination of all types of devices that can receive input from a user and transmit information related to the input to the processor 121. The input device may be, but is not limited to, a touch panel, a touch display, hardware keys such as a keyboard, a pointing device such as a mouse, a camera (for inputting operations via images), a microphone (for inputting operations via voice), or a combination of these.

[0037] The output device 126 may be any of a variety of devices capable of outputting the processing results of the processor 121, 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 display data written to a frame buffer, or a combination thereof. Examples of the output device include, but are not limited to, a touch panel, a touch display, a monitor (such as, but not limited to, a liquid crystal display or an organic electroluminescence display (OLED)), a head-mounted display (HMD), projection mapping, a hologram, a device capable of displaying images, text information, etc. in air (or a vacuum), a speaker (audio output), a printer, or a combination thereof. These output devices may also be capable of displaying display data in 3D.

[0038] The input device 125 and the output device 126 may be integrated, or may be separate devices.

[0039] The transmitting / receiving unit 127 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 transmitting / receiving unit 127 has a function of communicating with other information processing devices via the network 130. The transmitting / receiving unit 127 transmits various data to other information processing devices in accordance with instructions from the processor 121. The transmitting / receiving unit 127 also receives various data transmitted from other information processing devices and transmits the data to the processor 121.

[0040] (3) Other Cloud computing, which is configured by one or more information processing devices, may implement at least a part of the processes, functions, or methods of the servers 110, 150, 160 or the terminal 120.

[0041] Another information processing device may implement at least a part of the processing, functions, or methods of the servers 110, 150, 160 or the terminal 120. In this case, a processor of the other information processing device may implement at least a part of the processing implemented by the processor 111 or the processor 121.

[0042] A program for executing the processes of each embodiment of the present disclosure may be provided in a state stored in a computer-readable storage medium. The storage medium can store the program in a "non-transitory tangible medium." The program may be, for example and without limitation, a software program or a computer program.

[0043] The storage medium may be one or more semiconductor-based or other integrated circuits (ICs) (such as, 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 tape, solid state drives (SSDs), RAM drives, secure digital cards or drives, any other suitable storage media, or combinations thereof. The storage medium may be volatile, non-volatile, or a combination of volatile and non-volatile.

[0044] Furthermore, the program of the present disclosure may be provided to the servers 110, 150, 160 or the terminal 120 via any transmission medium (such as a communication network or broadcast waves) capable of transmitting the program.

[0045] 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.

[0046] In addition, the programs of the present disclosure may be implemented using, for example and without limitation, scripting languages ​​such as JavaScript (registered trademark) and Python, C language, Go language, Swift (registered trademark), Kotlin (registered trademark), Java (registered trademark), etc.

[0047] <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.

[0048] The present disclosure encompasses all changes, substitutions, variations, alterations, or modifications that a person skilled in the art may make to 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 claims. 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 in the present disclosure with one or more features of another embodiment or example in the present disclosure.

[0049] 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 operable, regardless of whether the apparatus, system, component, or a particular function thereof is activated, turned on, or unlocked.

[0050] Unless otherwise specified, the present disclosure may obtain consent from a user in advance or immediately before implementing any embodiment or example of the present disclosure, and the consent obtained may be comprehensive or may be obtained on a case-by-case basis.

[0051] <Embodiment> In one embodiment, for example, a user is associated with legal tender or liquid assets that would be used if the user were using a liquid asset trading service based on user behavior with other services, and this liquid assets can be granted to the user when the account is opened.

[0052] The embodiment provides the effect of implementing a new reward scheme for users who do not use the liquid asset trading service, thereby promoting the use of liquid asset trading.

[0053] <Configuration of the embodiment> The configuration of the server 110 and the terminal 120 will be described with reference to FIG. (1) Server configuration The server 110 includes a processor 111 , a memory 112 , a storage 113 , an input / output I / F 114 , an input device 115 , an output device 116 , and a transmission / reception unit 117 .

[0054] The processes, functions, or methods that can be executed by the processor 111 may be realized by machine learning, AI (Artificial Intelligence), or the like, to the extent feasible.

[0055] The input / output I / F 114 receives various setting operations and the like from the business operators who operate the various services provided by the server 110 via the input device 115 or the output device 116 .

[0056] The transmitting / receiving unit 117 transmits and receives data to and from the terminal 120, etc., in accordance with instructions from the processor 111. Note that the transmitting / receiving unit 117 connects a communication session with the terminal 120, etc., using HTTPS, etc., when the user of the terminal 120, etc., is authenticated, for example, by a user ID and password included in a login request from the terminal 120, etc. Then, the transmitting / receiving unit 117 stores the communication address, user ID, etc. of the terminal 120, etc., in association with the ID of the connected communication session. Then, the transmitting / receiving unit 117 transmits data to the terminal 120, etc., using the connected communication session.

[0057] In an embodiment, memory 112 stores a program 1121, user information 1122, account information 1123, payment management information 1124, transaction management information 1125, usage history information 1126, a payment control module 1127, a first transaction control module 1128, a second transaction control module 1129, a labor management module 1130, and data structures, or a subset thereof. Note that the information stored in memory 112 may be stored in another storage device (e.g., storage 113).

[0058] As described above, the program 1121 is a program loaded from the storage 113 and includes instructions related to the processing in the embodiment. The program 1121 may also include instructions for executing a process of providing an electronic commerce service and / or a payment service to a user. Furthermore, the program 1121 may also include instructions for executing a process of providing a trading service for liquid assets, including currencies or property rights with fluctuating values, to a user.

[0059] Currencies with fluctuating value include, for example, crypto assets (virtual currencies), and property rights with fluctuating value include securities, including capital securities such as stocks, bonds, and investment trusts, as well as FX (foreign exchange margin trading), CFDs (contract for difference), gold, etc. Below, we will explain liquid assets that include currencies or property rights with fluctuating value, sometimes using the example of crypto assets.

[0060] User information 1122 includes information about users registered on the e-commerce platform. User information 1122 may also be linked to a payment service that performs electronic payments and include information about users who use the payment service. User information 1122 may also be linked to a trading service that performs cryptocurrency transactions and include information about users who use the cryptocurrency trading service, and may be linked to the user information of users who use the cryptocurrency trading service using user IDs, etc.

[0061] 2 shows an example of user information 1122 according to an embodiment. The user information manages information about each member user created by a business providing an e-commerce platform. The business may also be a payment business that operates and manages payment services, or a business that operates a cryptocurrency exchange where cryptocurrency is traded.

[0062] "User ID" includes user identification information (user ID: Identifier) ​​that allows server 110 to uniquely identify the user. "Email address" includes the email address registered by the user. "Name" includes the user's name. "Occupation" includes the occupation registered by the user. In addition to the above examples, user information may also include annual income, address, date of birth, whether or not the user has an electric power operator's license, the driver's license number if the user has a driver's license, and the My Number card number.

[0063] 3 shows an example of account information 1123 according to an embodiment. The account information manages information about each user's account created by, for example, an e-commerce business operator. The e-commerce business operator may be, for example, an operator and manager of an electronic payment service and / or a cryptocurrency trading business operator.

[0064] "User ID" includes user identification information that allows the server 110 to uniquely identify the user. "Password" includes a password for user authentication. "Balance" includes the balance of electronic money (or electronic value) in the account held by the user. Electronic money is, for example, cash converted into digital form and is monetary value that can be used for payment.

[0065] In the example shown in FIG. 3, the balance includes the charge amount, sales amount (profit), points 1, points 2, etc. These types are merely examples and are not limited to these. The charge amount indicates, for example, the amount that a user deposits from their own bank account to an account created by a business operator. The sales amount indicates, for example, the revenue that a user earns by listing and selling products on a linked e-commerce platform. Points 1 are, for example, points that a user earns by converting sales amount, and are points that can be used on a linked e-commerce platform. Points 2 are, for example, points awarded by a third party, such as a business operator, and are points that can be used at affiliated stores that are members of the e-commerce platform or payment service.

[0066] The user can charge any amount to the account balance once they have completed identity verification by entering their bank account information in the application provided by the operator and associating their user ID with their bank account. Note that the charge amount can also be charged at convenience stores and other locations in addition to bank accounts. Hereinafter, if identity verification based on the Act on Prevention of Transfer of Criminal Proceeds has been completed, it will be referred to as "after identity verification," and if identity verification has not been completed, it will be referred to as "before identity verification."

[0067] Points 1 are paid points converted from sales amounts in order for users to transact on the e-commerce platform before the bank connection, and an expiration date may be set for Points 1. The expiration date may be six months, for example. After the bank connection, Points 1 can be withdrawn from sales amounts, so there is no need to convert them into new Points 1 and hold them. Therefore, Points 1 held before the bank connection will gradually decrease with use. Note that a bank connection is a state in which a user's account is associated with the bank account held by the user.

[0068] Point 2 is a free point that is distributed or given as a benefit by a business operator or the like, and an expiration date may be set for Point 2. The expiration date for Point 2 may be set to be shorter than the expiration date for Point 1.

[0069] "First crypto assets" include crypto assets into which at least a portion of the sales proceeds are converted, and crypto assets purchased or held by users. Crypto assets are, for example, Bitcoin (registered trademark), and are financial assets that are volatile and exchangeable.

[0070] "Benefits" include legal tender or crypto assets that a user can acquire through behavioral information regarding other services. In the example shown in FIG. 3, crypto assets are listed as benefits. If there are multiple pieces of behavioral information, the crypto assets acquired for each piece of behavioral information may be associated with the user information.

[0071] The "benefits" may be stored in a separate database. In this case, the user ID of the account in the electronic commerce transaction, etc. may be associated with the user ID of the account in the crypto asset transaction, thereby associating the balance in the electronic commerce transaction of the same user with the crypto asset in the crypto asset transaction. Even if it is the same user, the user ID in the electronic commerce transaction and the user ID in the crypto asset transaction may be different IDs.

[0072] FIG. 4 shows an example of the payment management information 1124 according to the embodiment. The payment management information may be any information related to a payment. For example, it is information generated by a payment terminal when a user purchases a product and transmitted to the server 110. The "payment ID" includes identification information (payment ID) for identifying the payment. The "date and time" includes the date and time when the electronic payment was completed. Examples of electronic payments include payments using two-dimensional codes, credit card payments, and cryptocurrency payments (described later). The "store ID" includes store information (also referred to as the "store ID") of the store where the electronic payment was made. Note that if the store has multiple POS terminals, the store ID may be the ID of the POS terminal. The "payment amount" includes the amount paid when the electronic payment was made. The "payment method" includes information on the payment method used for the payment. The payment method may be, for example, a lump-sum payment, a deferred payment in which a lump sum is paid in the following month or later, a fixed-amount deferred payment in which a fixed amount is settled in the following month or later, a convenience store payment, a credit card payment, a balance payment, or a bonus payment. In addition, multiple payment methods may be selected for one payment. "Status" includes information indicating "Completed" if the payment (clearing) has been completed, and information indicating "Not yet" if the payment has not been completed. "Current Value" includes the current value of the cryptocurrency at the time of a specified transaction (e.g., at the time of payment).

[0073] If the server 110 cooperates with the e-commerce service provided by the e-commerce platform, the transaction management information 1125 includes historical transaction information regarding the purchase and sale of goods on the e-commerce platform.

[0074] FIG. 5 shows an example of transaction management information 1125 according to an embodiment. "Seller ID" includes the user ID of the seller user. "Product Name" includes the name of the product. "Description" includes a description of the product. "Price" includes the selling price of the product. Note that "Product Name," "Description," and "Price" are included in the product listing information, and other information may also be included in the listing information. "Listing Time" includes the time the product was listed. "Purchaser ID" includes the user ID of the user who purchased the product. "Payment Method" includes the payment method used by the purchaser to purchase the product. "Current Price" includes the current price of the cryptocurrency at the time of the user's behavior indicated by the behavioral information (for example, when the item is listed or when the transaction is completed).

[0075] Other items in the transaction management information may include a "status." The "status" includes the state of a transaction in electronic commerce. The status may include "in transaction," which indicates that a transaction is currently in progress, "in negotiation," which indicates that negotiations are underway with the buyer user, or "completed," which indicates that the item has been sold.

[0076] The transaction management information may also include a "currency ratio." The "currency ratio" includes the ratio of crypto assets to the sales proceeds in an e-commerce transaction (for example, the ratio between legal tender and crypto assets). Note that the "currency ratio" may also include the amount converted into crypto assets.

[0077] FIG. 6 is a diagram showing an example of usage history information 1126 of the job matching service according to the embodiment. The "user ID" in the usage history information 1126 includes user identification information. The user ID shown in FIG. 6 may be the same ID as a user ID for another service, or may be another ID. In the case of another ID, it is sufficient that each ID of the same user is associated with each other.

[0078] The usage history information 11126 includes information such as "job ID," "location," "working date," "working hours," and "salary" associated with the user ID. Note that although "salary" is used in the example shown in Fig. 6, "hourly wage" may also be used.

[0079] "Job ID" includes identification information that identifies a job that has been matched with a job provided by the job matching service. "Location" includes the worker's work location. "Working date" includes the day the worker worked. "Working hours" includes the worker's working hours on the job posting date. "Hourly wage" includes the hourly wage for the job. In addition, usage history information 1126 may include information about the "business operator" and evaluation information for the work.

[0080] The job matching service provided by server 160 may be a service that publishes job information known as spot work. Spot work refers to a service that matches temporary labor with workers, for example, in response to the need to secure workers and the diversification of working styles. The job matching service provided by server 160 may handle job offers for regular employment, semi-permanent part-time work, etc., rather than job offers for temporary labor.

[0081] Returning to Figure 1, the payment control module 1127 stored in memory 112 is executed by the processor 111 to perform payment processing when each user purchases a product on the e-commerce platform, payment processing when each user purchases a product at each affiliated store, labor management processing for each user, etc. For example, payment processing at a store is managed by the payment management information shown in Figure 4, payment processing at the e-commerce platform is managed by the transaction management information shown in Figure 5, and labor management processing in the job matching service is managed by the usage history information, etc. shown in Figure 6.

[0082] Furthermore, the first transaction control module 1128 stored in the memory 112 controls buying and selling transactions on the e-commerce platform by being executed by the processor 1111. For example, the first transaction control module 1128 controls user registration, listing processing, buying and selling transaction processing, evaluation processing, electronic value management processing, etc. on the e-commerce platform.

[0083] The second transaction control module 1129 stored in memory 112 controls cryptocurrency transactions. For example, the second transaction control module 1129 creates an account for cryptocurrency and performs a predetermined cryptocurrency buying and selling process in response to a user's instructions. Furthermore, when the user is permitted to purchase a cryptocurrency, the second transaction control module 1129 purchases the cryptocurrency from a cryptocurrency trading platform (also referred to as a "cryptocurrency exchange") using sales proceeds at a rate or amount set by default or the user. Hereinafter, this purchase process is also referred to as a cryptocurrency conversion process (or exchange process). The second transaction control module 1129 may be provided on a server of another business (e.g., server 150).

[0084] The labor management module 1130 stored in memory 112 controls labor management in the job matching service provided by server 160. For example, when the labor management module 1130 receives a job viewing request from a user (in this case, a worker), it identifies job openings that can be made public to the user and controls the display of the job information list on the user's terminal. Furthermore, when the labor management module 1130 receives an application request from a user for job opening A, it associates the user with job opening A and performs matching, either automatically or upon receiving an approval operation from business A that set up job opening A. When the user completes work for job opening A, the user is paid compensation for the work for job opening A.

[0085] The following describes the process in which the information processing device 10 associates legal tender related to liquid assets or liquid assets with a user (target user) who does not use the liquid asset trading service, based on the target user's behavioral information regarding other predetermined services. As a result, when the target user starts using the liquid asset trading service, it becomes possible to associate the legal tender or at least a portion of the liquid assets that have been associated in advance with the target user's account as a benefit.

[0086] The second transaction control module 1129 provides a liquidity transaction service to each user. Providing a liquidity transaction service includes the server 110 itself providing the liquidity transaction service, or the server 110 providing the liquidity transaction service in cooperation with the server 160 that provides the liquidity transaction service.

[0087] The second transaction control module 1129 acquires behavioral information of the target user who does not use the liquid asset transaction service with respect to the predetermined service. For example, the second transaction control module 1129 acquires behavioral information of the target user with respect to the predetermined service based on information managed in the settlement management information 1124, information managed in the transaction management information 1125, information managed in the usage history information 1126, etc.

[0088] The second transaction control module 1129 may identify target users who do not use the liquid asset transaction service by performing a process of comparing the user IDs, names, etc. of users who use the liquid asset transaction service with the user IDs, names, etc. of other predetermined services. Target users include users who have not opened an account for liquid asset transactions, or users who have opened an account but for whom a predetermined period of time has passed since their last access or last transaction.

[0089] The second transaction control module 1129 associates legal tender or liquid assets with the target user based on the behavioral information of the target user. For example, if the behavioral information includes a transaction amount, the second transaction control module 1129 stores the legal tender obtained by multiplying the transaction amount by a predetermined rate, or if the behavioral information does not include a transaction amount, stores the legal tender set according to the frequency or number of transactions in the behavioral information, in association with the user ID of the target user. Furthermore, instead of legal tender, the second transaction control module 1129 stores predetermined liquid assets based on the number of transactions in the behavioral information, in association with the user ID of the target user. Furthermore, the predetermined liquid assets may be calculated by multiplying the legal tender based on the user's behavioral information by the market price at a predetermined point in time.

[0090] When the target user starts using the liquid asset trading service, the second transaction control module 1129 associates the associated liquid assets or bonus liquid assets related to the liquid assets calculated based on the legal tender with the target user's account of the liquid asset trading service. For example, when the target user opens an account with the liquid asset trading service, the second transaction control module 1129 adds bonus liquid assets based on the legal tender or liquid assets associated with the target user to the opened account of the target user.

[0091] The above process allows new user benefits related to liquid assets to be granted to users, thereby stimulating users' interest in liquid assets and promoting liquid asset trading. According to the disclosed technology, for users who do not use an account for liquid asset trading, by associating the benefit liquid assets with the user based on past user behavior information, it becomes possible to grant the benefit liquid assets to the target user after the user starts using the account.

[0092] The second transaction control module 1129 controls the bonus liquid assets so that they cannot be transferred from the target user. Under the Payment Services Act, there are Type 1 crypto assets and Type 2 crypto assets, and since the crypto assets processed in the disclosed technology are non-transferable, it is clear that they are Type 1 crypto assets. By making the crypto assets non-transferable, the crypto assets used in the disclosed technology can be made more likely to fall under Type 1 crypto assets. This is expected to have the effect of increasing the likelihood that the crypto assets will not fall under Type 2 crypto assets and will not require a crypto asset exchange business license.

[0093] The behavior information of the target user for the predetermined service includes at least one of the following: User behavior in other predetermined services provided by the information processing device 110, · Listing, completing a transaction, or making a purchase on e-commerce services available to the User; -Financial services available to Target Users, such as payments, loans, - Performing work and receiving payment for work in the job matching service available to Target Users;

[0094] This allows target users to collect reward liquidity based on various user behavioral information before opening a liquidity account.

[0095] The second transaction control module 1129 may calculate the bonus liquid assets by multiplying the legal tender acquired in relation to the target user's behavioral information by the current value of the liquid assets at the time of opening the target user's account. Each time behavioral information is acquired, the second transaction control module 1129 adds the legal tender based on the behavior, and multiplies the total value of the legal tender by the current value at the time of opening the liquid assets to calculate the bonus liquid assets.

[0096] The second transaction control module 1129 can associate crypto assets as bonus liquid assets based on the following example user behavior: (1) Listing, completing transactions, and purchasing e-commerce services If the target user completes a transaction of 10,000 yen (lists the item and completes the transaction), a virtual amount of 10,000 yen x 10% = 1,000 yen worth of cryptocurrency will be assigned to the target user. (2) Payment by deferred payment, balance payment, loan use, etc. When a target user completes a payment of 10,000 yen, a virtual amount of 10,000 yen x 10% = 1,000 yen in crypto assets will be assigned to the target user. (3) Work performance If a target user receives 10,000 yen in compensation for their work, a virtual amount of 10,000 yen x 10% = 1,000 yen in crypto assets will be assigned to the target user.

[0097] The second transaction control module 1129 may calculate the reward liquid assets by multiplying the legal tender acquired for the target user's behavioral information by the current price at the time of acquisition of the legal tender. For example, the second transaction control module 1129 may calculate the liquid assets by multiplying the legal tender at the time of the behavior by the current price at the time of the behavior.

[0098] As a specific example, the second transaction control module 1129 can calculate the cryptocurrency as bonus liquidity assets using the example shown below. (1) When remembering the legal tender at the time of the action When opening a cryptocurrency account, the accumulated value of the stored fiat currency is multiplied by the market capitalization. (2) When storing crypto assets at the time of the action (= calculating the current value) When the amount is determined by the above-mentioned user action, the current value of the crypto asset is obtained, and the quantity of the crypto asset that is virtually granted based on the legal currency and the current value of the crypto asset is stored.

[0099] The second transaction control module 1129 may purchase the crypto asset when the transaction of the user's behavior is actually completed. Also, the second transaction control module 1129 may uniformly associate a predetermined amount of the crypto asset with the target user.

[0100] The second transaction control module 1129 may further multiply the reward liquidity by a predetermined rate. The second transaction control module 1129 may multiply the predetermined rate by a value that is already set or a value that is set by the business operator.

[0101] The predetermined percentage may further be determined based on values ​​related to the behavioral information of the target user. For example, the predetermined percentage may be set higher as the number of pieces of behavioral information of the user increases, or the total amount or average amount based on the behavioral information increases.

[0102] The above process allows for a stable accumulation of legal tender or liquid assets associated with the target user, which are the source of the reward liquid assets. Furthermore, the predetermined rate can be varied based on the user's behavioral information, providing the target user with an incentive to increase their reward liquid assets.

[0103] The second transaction control module 1129 may further use at least a portion of the user information of the target user set in the predetermined service in the identity authentication process required when starting to use the liquid asset service. For example, the second transaction control module 1129 acquires at least a portion of the user information of the target user registered in an e-commerce service, a payment service, or a job matching service included in other services provided by the information processing device 110. For example, the second transaction control module 1129 can acquire user information using an API provided by the predetermined service.

[0104] The second transaction control module 1129 performs identity authentication processing to open an account for the liquidity service, for example, using at least one of the user's name, telephone number, email address, and a copy of identification (if any) registered in the predetermined service. The identity authentication processing may be performed using eKYC (electronic Know Your Customer).

[0105] The second transaction control module 1129 may further display, on the user's terminal, the legal tender or liquid assets associated with the target user and information related to the start of use of the liquid assets. For example, the second transaction control module 1129 may control the display of a button for opening a liquid assets account on the user's terminal together with the currently associated bonus liquid assets.

[0106] Through the above process, the target user can know how much bonus liquid assets he or she will receive if he or she opens an account now, which can encourage the opening of an account for liquid assets.

[0107] As a method of displaying the reward liquid assets, the second transaction control module 1129 may, for example, display the reward liquid assets on the screen on which the action was performed each time the user action to be granted is performed and legal tender or liquid assets are associated with the target user. Furthermore, the second transaction control module 1129 may display the accumulated value within a predetermined period rather than displaying each time. Furthermore, the second transaction control module 1129 may display the virtually associated legal tender or reward liquid assets in the target user's usage inventory on a personal page, etc. Furthermore, the second transaction control module 1129 may display the added legal tender or reward liquid assets and the accumulated legal tender or reward liquid assets for each transaction on the target user's terminal.

[0108] For example, if only legal tender is associated with the target user as liquid assets, the second transaction control module 1129 may calculate and display the quantity of crypto assets from the current value of the legal tender and crypto assets. Also, if the quantity of crypto assets is associated with the target user as liquid assets, the second transaction control module 1129 may display the quantity of crypto assets or may also display the amount of the equivalent legal tender.

[0109] The second transaction control module 1129 may hide the legal tender or liquid assets associated with the target user and information about the start of use of the liquid assets when a predetermined condition for hiding the legal tender or liquid assets associated with the target user is met. For example, the condition for hiding is at least one of the following: - The associated fiat currency or liquid assets are below the threshold ·Already have a liquidity account open You have opted out of liquidity-related notifications

[0110] The second transaction control module 1129 may display the legal tender or liquid assets associated with the target user during a predetermined period, for example, a campaign period. For example, the second transaction control module 1129 may display the legal tender or liquid assets associated with the target user on the target user's terminal on a home screen of a predetermined service or the like during the predetermined period, and may further display, for a limited time, on the target user's terminal that a predetermined rate by which the legal tender or liquid assets are multiplied when associated is increasing.

[0111] The above processing can prevent reward liquid assets, etc. from being displayed to target users who do not need or are not interested in trading reward liquid assets.

[0112] If the liquidity trading service is capable of trading multiple liquidity assets, the second trading control module 1129 may further perform the following: accepting a selection of a liquidity asset to be associated with from the multiple liquidity assets, or a liquidity asset for which an account will be opened and made tradable.

[0113] For example, if a first cryptocurrency (e.g., Bitcoin (registered trademark)) and a second cryptocurrency (e.g., Ethereum) are tradable, the second transaction control module 1129 may allow the target user to select a liquid asset for which to open an account. Also, if the target user has an account for the first cryptocurrency but wants to open an account for the second cryptocurrency, it becomes possible to associate the above-mentioned bonus liquid asset with the second cryptocurrency.

[0114] Through the above process, the target user can select the liquid asset for which to open an account from among multiple liquid assets, and can also be granted bonus liquid assets for the liquid asset for which an account is opened.

[0115] The second transaction control module 1129 may set an upper limit for the specific liquid assets. Furthermore, the second transaction control module 1129 may set a hierarchy for the granting of liquid assets, for example, in the case of a range from A yen to B yen, C yen between A and B may be granted as bonus liquid assets.

[0116] The second transaction control module 1129 may set a period during which a target user can virtually hold a specific liquid asset. For example, the second transaction control module 1129 may set a holding period for a bonus liquid asset granted each time a user takes action. Furthermore, the second transaction control module 1129 adds the associated legal tender or liquid asset within the holding period. Furthermore, the second transaction control module 1129 may set a different holding period for each target user.

[0117] The one or more processors 111 described above read and execute each module as necessary from memory 112. For example, the one or more processors 111 may execute settlement control module 1127, first transaction control module 1128, second transaction control module 1129, and labor management module 1130 to constitute a settlement control unit, a first transaction control unit, a second transaction control unit, and a labor management unit, respectively.

[0118] (2) Configuration of terminal 120 The terminal 120 includes a processor 121 , a memory 122 , a storage 123 , an input / output I / F 124 , an input device 125 , an output device 126 , a transmitting / receiving unit 127 , and a reading unit 128 .

[0119] The processes, functions, or methods executed by the processor 121 may be realized by machine learning, AI (Artificial Intelligence), or the like, to the extent feasible.

[0120] The input device 125 accepts various operations from the user of the terminal 120 .

[0121] The transmitting / receiving unit 127 transmits and receives data to and from the server 110, etc., in accordance with instructions from the processor 121. For example, when logging in to the server 110, the transmitting / receiving unit 127 connects a communication session with the server 110 using HTTPS, etc. Then, the transmitting / receiving unit 127 stores the communication address of the server 110, etc., in association with the ID of the connected communication session. Then, the transmitting / receiving unit 127 transmits data to the server 110 using the connected communication session.

[0122] The processor 121 performs processing to utilize a predetermined service provided by the server 110 .

[0123] In one embodiment, memory 122 stores the following programs: program 1221, payment processing module 1222, first transaction processing module 1223, second transaction processing module 1224, labor processing module 1225, display control module 1226, and data structures, or a subset thereof. Note that information stored in memory 122 may be stored in another storage device (e.g., storage 123).

[0124] As described above, the program 1221 is a program loaded from the storage 123 and includes instructions and the like related to each embodiment.

[0125] The payment processing module 1222 executes processes related to electronic payments. For example, the payment processing module 1222 executes store-scan type payments, in which user information is coded and the code is read by a terminal in a store, or user-scan type payments, in which a code containing store information is read. The payment processing module 1222 may also execute person-to-person remittance processing.

[0126] The first transaction processing module 1223 executes a process for conducting a buying and selling transaction of a commodity on the e-commerce platform. For example, the first transaction processing module 1223 executes a process for listing a commodity or purchasing a commodity on the e-commerce platform.

[0127] The second transaction processing module 1224 may execute a process for conducting a buying and selling transaction of a crypto asset. For example, the second transaction processing module 1224 may send a request to buy or sell a crypto asset to the server 110.

[0128] The labor processing module 1225 executes the process of viewing a list of job offers provided by the job matching service and the process of applying from the viewing screen. For example, the labor processing module 1225 executes processes such as viewing job offers, applying, and receiving salary for spot work.

[0129] The display control module 1226 controls the display of screen data related to electronic payment services, electronic commerce platforms, and cryptocurrency transactions on the output device 126. For example, the display control module 1226 controls the display of a screen for listing products, a screen for purchasing products, a job viewing screen, an application screen, and a screen for buying and selling cryptocurrency.

[0130] In addition, as described above, the display control module 1226 makes it possible to set registration information for opening a liquid asset account by displaying virtually associated bonus liquid assets and UI components for opening a liquid asset account on the home screen, payment completion screen, listing screen, job viewing screen, etc.

[0131] The one or more processors 121 described above read and execute each module as necessary from memory 122. For example, the one or more processors 121 may configure a payment processing unit, a first transaction processing unit, a second transaction processing unit, a labor processing unit, and a display control unit by executing payment processing module 1222, first transaction processing module 1223, second transaction processing module 1224, labor processing module 1225, and display control module 1226, respectively.

[0132] <Operational Processing of the Embodiment> The processing of the information processing system 1 according to the embodiment will be described with reference to Fig. 7. Fig. 7 shows an example of a flowchart of the processing of the information processing system 1 according to the embodiment. The processing shown in Fig. 7 shows an example in which the server 110 performs the processing of the present disclosure in response to various requests from a user via the terminal 120, for example.

[0133] (Step S102) The second transaction control module 1129 provides a liquidity transaction service to each user. Providing a liquidity transaction service includes the server 110 itself providing the liquidity transaction service, or the server 110 providing the liquidity transaction service in cooperation with the server 160 that provides the liquidity transaction service.

[0134] (Step S104) The second transaction control module 1129 acquires behavioral information of the target user with respect to a predetermined service who does not use the liquid asset transaction service. For example, the second transaction control module 1129 acquires behavioral information of the target user with respect to a predetermined service based on information managed in the settlement management information 1124, the transaction management information 1125, and the usage history information 1126.

[0135] (Step S106) The second transaction control module 1129 associates legal tender or liquid assets with the target user based on the behavioral information of the target user. For example, if the behavioral information includes a transaction amount, the second transaction control module 1129 associates the target user with a legal tender obtained by multiplying that amount by a predetermined rate, or if the behavioral information does not include a transaction amount, with a legal tender set according to the frequency or number of times of the behavioral information. Furthermore, the second transaction control module 1129 associates predetermined liquid assets based on the number of times of the behavioral information, instead of legal tender, with the target user. Furthermore, the predetermined liquid assets may be calculated by multiplying the legal tender based on the user's behavioral information by the market value at a predetermined point in time.

[0136] (Step S108) When the target user starts using the liquid asset trading service, the second transaction control module 1129 associates the associated liquid assets or bonus liquid assets related to the liquid assets calculated based on the legal tender with the target user's account of the liquid asset trading service. For example, when the target user opens an account with the liquid asset trading service, the second transaction control module 1129 adds bonus liquid assets based on the legal tender or liquid assets associated with the target user to the opened account of the target user.

[0137] (Step S110) The second transaction control module 1129 updates the liquid assets of the reward within a predetermined period, which is a period set for a campaign or the like.

[0138] (Step S112) The second transaction control module 1129 determines whether a predetermined period of time for a campaign, etc. has elapsed. If the predetermined period has not elapsed (step S112-NO), the process returns to step S104. If the predetermined period has elapsed (step S112-NO), the process ends.

[0139] The above process allows new user benefits related to liquid assets to be granted to users, thereby stimulating users' interest in liquid assets and promoting liquid asset trading. According to the disclosed technology, for users who do not use an account for liquid asset trading, by associating the benefit liquid assets with the user based on past user behavior information, it becomes possible to grant the benefit liquid assets to the target user after the user starts using the account.

[0140] Next, a process for opening an account in the liquidity trading service will be described. Fig. 8 shows an example of a flowchart of a process for opening an account in the information processing system 1 according to the embodiment.

[0141] (Step S202) The second transaction control module 1129 controls the display of the reward liquid assets associated with the target user and UI components for opening an account for these liquid assets on the target user's terminal.

[0142] (Step S204) The second transaction control module 1129 determines whether an account opening instruction has been received from the target user when the target user operates the account opening button, etc. If an account opening instruction has been received (step S204-YES), the process proceeds to step S206, and if an account opening instruction has not been received (step S204-NO), the process ends.

[0143] (Step S206) The second transaction control module 1129 uses user information set in other services to perform identity authentication processing for liquid asset transactions.

[0144] (Step S208) The second transaction control module 1129 obtains the reward liquidity associated with the target user.

[0145] (Step S210) The second transaction control module 1129 associates the liquid assets virtually associated with the target user with the target user's liquid asset account. For example, when the target user opens an account for a liquid asset trading service, the second transaction control module 1129 adds bonus liquid assets based on the fiat currency or liquid assets associated with the target user to the target user's opened account.

[0146] Through the above process, the reward liquid assets that have been virtually associated with the target user can be granted to the target user when the target user opens a liquid asset account.

[0147] <Screen example> Next, an example of a screen displayed on the user's terminal 120 will be described with reference to Fig. 9. Fig. 9 is a diagram showing an example of a home screen of the terminal 120 according to the embodiment. In the example shown in Fig. 9, a screen D10 shows an example of a home screen of a service provided by an e-commerce platform.

[0148] Screen D10 shown in Fig. 9 is displayed on the terminal 120 used by the user. In the example shown in Fig. 9, screen D10 constitutes a home screen, and displays a list of products being offered for sale in e-commerce, with the virtually allocated bonus cryptocurrency (worth 3,000 yen) and a UI component for opening a cryptocurrency account ("Open now") displayed at the top P10 of the screen.

[0149] When the target user operates the UI widget, the second transaction control module 1129 may proceed to account opening processing and, if necessary, perform identity authentication using user information set in the e-commerce service. Also, the virtually allocated bonus cryptocurrency or equivalent legal tender and a UI widget for opening a cryptocurrency account may be displayed on each individual product page. In this case, the legal tender equivalent of the virtually allocated bonus cryptocurrency may be deducted from the sales price of the product, and the result may be displayed together with the legal tender required to purchase the product.

[0150] 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.

[0151] <Modification> The payment function may be a payment function available in an e-commerce service, a payment service, a cryptocurrency trading service, etc. provided by or linked to the server 110. For example, when a user requests payment processing using the terminal 120, the server 110 may proceed with the payment processing by selling cryptocurrency equivalent to the payment amount and converting it into legal tender or points, adding the converted legal tender or points to the user's balance, and subtracting the converted legal tender or points from the user's balance. Note that known technology may be used for the payment method and payment processing.

[0152] Specifically, when a user makes a payment request using the terminal 120, the payment processing module 1222 transmits the payment request to the server 110. The transmitter / receiver 117 of the server 110 acquires the payment request transmitted from the terminal 120 and identifies the payment amount.

[0153] The second transaction control module 1129 obtains the current value of a currency or property right with a fluctuating monetary value, such as a crypto asset. For example, the second transaction control module 1129 may obtain the current value of the crypto asset from a predetermined crypto asset trading platform. The current value may include the current value at the time the terminal 120 makes a settlement request, the current value at the time the server 110 accepts the settlement request, the current value at the time the user decides to change the crypto asset, etc.

[0154] The second transaction control module 1129 may convert the crypto asset into legal tender, points, etc. based on the acquired current price.

[0155] The second transaction control module 1129 associates the converted legal tender, points, etc. with the user. For example, the second transaction control module 1129 adds the converted legal tender, points, etc. to the balance of the user's account.

[0156] In addition, if a user has multiple balances associated with them, funds may be transferred between the balances as appropriate. For example, when a user makes a payment request, the crypto assets held by the user in the crypto asset trading service account may be converted to fiat currency based on the payment amount included in the payment request, and the fiat currency may be added to and then subtracted from the balance of the crypto asset trading service account, and the fiat currency may be added to the balance used by the user for the payment service. The payment amount may then be subtracted from the balance used by the user for the payment service to proceed with the payment process. A predetermined conversion fee may be added to the user's payment. For example, a predetermined crypto asset selling fee may be added to the above-mentioned current value.

[0157] Furthermore, as described above, currencies or property rights with fluctuating monetary value include, in addition to crypto assets, securities including capital securities such as stocks, bonds, and investment trusts, FX (foreign exchange margin trading), CFDs (contract for difference), and gold. In this case, the second transaction control module 1129 may purchase the currency or property rights set by the user, etc., from a corresponding online exchange. [Explanation of symbols]

[0158] 1...information processing system, 110...server, 111...processor, 112...memory, 113...storage, 114...input / output I / F, 115...input device, 116...output device, 117...transmitter / receiver, 120...terminal, 121...processor, 122...memory, 123...storage, 124...input / output I / F, 125...input device, 126...output device, 127...transmitter / receiver, 1126...payment control module, 1127...first transaction control module, 1128...second transaction control module, 1222...payment processing module, 1223...first transaction processing module, 1224...second transaction processing module, 1225...display control module

Claims

1. The information processing device providing liquidity trading services to each user; Obtaining behavioral information regarding predetermined services of target users who do not use the liquid asset trading service; Associating fiat currency or liquid assets with the target user based on the behavioral information; When the target user starts using the liquidity trading service, associating the associated liquidity or bonus liquidity calculated based on the fiat currency with the target user's account of the liquidity trading service; An information processing method that performs the above.

2. Providing the liquidity trading service includes: The information processing method according to claim 1 , wherein the liquid reward assets are non-transferable from the target user.

3. The behavioral information for the predetermined service is User behavior in other services provided by the information processing device; Listing, completing a transaction, or making a purchase on an e-commerce service available to said target user; Payment and lending in financial services available to the target users; Performing work and receiving payment for work in the job matching service available to the target user; The information processing method according to claim 1 , further comprising at least one of the following actions:

4. The information processing method of claim 1 , further comprising: calculating the bonus liquid assets by multiplying the legal tender obtained in relation to the behavioral information of the target user by the current value of the liquid assets at the time of opening the target user's account.

5. The information processing method according to claim 1 , further comprising: calculating the bonus liquid assets by multiplying the legal tender acquired in relation to the behavioral information of the target user by the current value of the legal tender at the time of acquisition of the legal tender.

6. The information processing method according to claim 4 or 5, further comprising multiplying the reward liquid assets by a predetermined rate.

7. The information processing method according to claim 6 , further comprising determining the predetermined ratio based on a value relating to behavioral information of the target user.

8. The information processing method according to claim 1, further comprising the step of using at least a portion of the user information of the target user set in the specified service in the identity authentication process required when starting to use the liquid asset trading service.

9. The information processing method according to claim 1 , further comprising displaying the legal tender or the liquid assets associated with the target user and information regarding the start of use of the liquid assets on the target user's terminal.

10. The information processing method according to claim 9 , further comprising the step of hiding the legal tender or the liquid assets associated with the target user and information regarding the start of use of the liquid assets when a predetermined condition regarding hiding is met.

11. If the liquidity trading service is capable of trading multiple liquidity assets, The information processing method according to claim 1 , further comprising accepting a selection of a liquid asset to be associated with the plurality of liquid assets or a liquid asset for which the account is to be opened from the plurality of liquid assets.

12. In the information processing device, providing liquidity trading services to each user; Obtaining behavioral information regarding predetermined services of target users who do not use the liquid asset trading service; Associating fiat currency or liquid assets with the target user based on the behavioral information; When the target user starts using the liquidity trading service, associating the associated liquidity or bonus liquidity calculated based on the fiat currency with the target user's account of the liquidity trading service; A program that executes.

13. An information processing device including one or more processors, the one or more processors: providing liquidity trading services to each user; Obtaining behavioral information regarding predetermined services of target users who do not use the liquid asset trading service; Associating fiat currency or liquid assets with the target user based on the behavioral information; When the target user starts using the liquidity trading service, associating the associated liquidity or bonus liquidity calculated based on the fiat currency with the target user's account of the liquidity trading service; An information processing device that executes the above.

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