Information processing method, program, and information processing apparatus

Abstract

By holding cryptocurrency, you can acquire something equivalent to money without having to apply for anything in particular. [Solution] The information processing method involves an information processing device that obtains cryptocurrency purchase requests from each user, associates each user with the quantity of cryptocurrency to be purchased based on each purchase request, proceeds with staking on at least a portion of the total amount of cryptocurrency held by each user managed by the business operator, obtains rewards generated by the staking process, calculates the quantity of monetary equivalents based on the quantity of cryptocurrency held by each user and a first ratio associated with the rewards, and associates the quantity of monetary equivalents with each user.

Description

Technical Field

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

Background Art

[0002] Conventionally, there is a technology for efficiently operating staking. For example, a step of performing a process for depositing a second currency, which is a virtual currency equivalent to a first value in a first currency, into a user's account, a step of performing a process for operating staking related to the second currency using the second currency deposited in the account, and a step of performing a process for withdrawing the second currency equivalent to the second value according to the first value from the account after the completion of staking are known (see, for example, Patent Document 1).

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] In the prior art, when staking a cryptocurrency, although it is possible to receive rewards from staking, it may take several days until the staking is released. Even if a user wants to sell the cryptocurrency, they may not be able to sell it in a timely manner.

[0005] Therefore, an object of the present disclosure is to provide an information processing method, a program, and an information processing apparatus that enable obtaining something equivalent to money without any particular application or the like by holding a cryptocurrency and enable trading the cryptocurrency at any timing without restrictions.

Means for Solving the Problems

[0006] An information processing method according to one embodiment of the present disclosure involves an information processing device that obtains cryptocurrency purchase requests from each user, associates each user with the quantity of cryptocurrency to be purchased based on each purchase request, proceeds with staking on at least a portion of the total amount of cryptocurrency held by each user managed by the business operator, obtains rewards generated by the staking process, calculates the quantity of monetary equivalents based on the quantity of cryptocurrency held by each user and a first ratio associated with the rewards, and associates the quantity of monetary equivalents with each user. [Brief explanation of the drawing]

[0007] [Figure 1] This figure shows an example of a block diagram illustrating an example of the configuration of an information processing system according to one embodiment, an example of the hardware configuration of a server according to this disclosure, and an example of the hardware configuration of a terminal according to this disclosure. [Figure 2] This is a diagram illustrating the overview of the process according to the embodiment. [Figure 3] This figure shows an example of user information according to the embodiment. [Figure 4] This figure shows an example of account information according to the embodiment. [Figure 5] This figure shows an example of the total amount of crypto assets held or managed by each user of the business operator according to the embodiment. [Figure 6] This figure shows an example of payment management information according to the embodiment. [Figure 7] This figure shows an example of transaction management information according to the embodiment. [Figure 8] This figure shows an example of a flowchart of the processing of the information processing system according to the embodiment. [Figure 9] This figure shows an example of the screen for an account not yet opened on a terminal according to this embodiment. [Figure 10] This figure shows an example of the screen displaying the account opened and target currency held on a terminal according to this embodiment. [Figure 11] This figure shows an example of a point awarding screen for a terminal according to the embodiment. [Modes for carrying out the invention]

[0008] <Legal compliance> The disclosures contained herein will be implemented in compliance with the laws and regulations of each country in which this disclosure is implemented. Furthermore, the disclosures contained herein will be implemented with all changes, substitutions, modifications, alterations, or modifications that a person skilled in the art could make to comply with the laws and regulations of each country.

[0009] The information processing method, program, and information processing device related to this disclosure will be described with reference to the drawings.

[0010] <System Configuration> Figure 1 discloses the configuration of an information processing system 1 according to an embodiment of this disclosure. In the information processing system 1, servers 110A and 110B are connected to terminals 120A, 120B, and 120C via a network 130, and a server 150 that cooperates with server 110A is connected to it. For example, by cooperating with server 150, server 110A can acquire information related to the services provided by server 150 (for example, crypto asset provision services).

[0011] If there is no need to distinguish between server 110A and server 110B, both server 110A and server 110B may be referred to simply as server 110. The number of servers 110 connected to network 130 is not limited.

[0012] If there is no need to distinguish between terminals 120A, 120B, and 120C, they may all be referred to simply as terminal 120. The number of terminals 120 connected to network 130 is not limited.

[0013] Server 110 provides a predetermined service to terminal 120 used by a user via network 130. The predetermined service may include, by way of example and not limitation, payment services, financial services, e-commerce services, SNS (Social Networking Service) typified by instant messaging services, content providing services such as music, video, books, etc., and may construct a trading platform for currencies with variable values and provide, for example, cryptocurrency trading services directly or indirectly to terminal 120 via server 110. Servers 110 and 150 may each provide one or more respective services alone or may provide one or more respective services plurally. By servers 110 and 150 providing their respective services to one or more terminals 120, users can use their respective services via terminal 120.

[0014] If necessary, the terminal used by user X is expressed as terminal 120X, and the information associated with the user in a predetermined service associated with user X or terminal 120X is expressed as user information X. User information may include, by way of example and not limitation, information associated with the user such as the name of the user input by the user or given by a predetermined service, the icon image of the user, the age of the user, the gender of the user, the address of the user, the hobbies and interests of the user, the identifier of the user, etc., the balance information of the electronic value (electronic money) associated with the user, the credit card information (such as credit card number) associated with the user, etc.

[0015] Network 130 connects two or more servers 110 and 150 or two or more terminals 120. Network 130 provides a connection path so that data can be transmitted and received after terminal 120 is connected to servers 110 and 150.

[0016] One or more portions of the network 130 may be a wired network or a wireless network. The network 130 may be, 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 part of the Internet, a part of the Public Switched Telephone Network (PSTN), a mobile phone network, ISDNs (Integrated Service Digital Networks), wireless LANs, LTE (Long Term Evolution), CDMA (Code Division Multiple Access), Bluetooth (registered trademark), satellite communication, etc., and these may be combined. The network 130 can include one or more networks 130.

[0017] The servers 110, 150, and the terminal 120 may be any information processing device as long as it can implement the processes, functions, or methods described in the present disclosure.

[0018] Servers 110, 150, and terminals 120 may be, but are not limited to, smartphones, mobile phones (feature phones), computers (but are not limited to, desktops, laptops, tablets, etc.), server equipment, media computer platforms (but are not limited to,, examples such as cable, satellite set-top boxes, digital video recorders, etc.), handheld computer devices (but are not limited to, examples such as PDAs (Personal Digital Assistants), email clients, etc.), wearable devices (but are not limited to, examples such as glasses-type devices, watch-type devices, etc.), other types of computers, or communication platforms, etc., and these may be combined.

[0019] <Hardware configuration of each information processing device> (1) Server hardware configuration The hardware configuration of server 110 included in information processing system 1 will be explained using Figure 1.

[0020] Server 110 includes a processor 111, memory 112, storage 113, input / output interface (input / output I / F) 114, input device 115, output device 116, and transceiver 117. The hardware components of server 110 are interconnected via bus B, not limited to, but as an example.

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

[0022] The processor 111 executes processes, functions, or methods implemented by code or instructions contained in a program stored in the storage 113. The processor 111 may, but is not limited to, one or more central processing units (CPUs), MPUs (Micro Processing Units), GPUs (Graphics Processing Units), microprocessors, processor cores, multiprocessors, ASICs (Application-Specific Integrated Circuits), FPGAs (Field Programmable Gate Arrays), etc., and may implement each of the processes, functions, or methods disclosed in each embodiment by logic circuits (hardware) or dedicated circuits formed on integrated circuits (ICs (Integrated Circuit) chips, LSIs (Large Scale Integrations)), etc. Furthermore, these circuits may be implemented by one or more integrated circuits, and multiple processes shown in each embodiment may be implemented by a single integrated circuit. In addition, LSIs may be referred to as VLSIs, Super LSIs, Ultra LSIs, etc., depending on the degree of integration.

[0023] Memory 112 temporarily stores the program 1121 loaded from storage 113 and provides a workspace for the processor 111. Various data generated while the processor 111 is executing the program are also temporarily stored in memory 112. Memory 112 may be, but is not limited to, RAM (Random Access Memory), ROM (Read Only Memory), etc., and these may be in combination. Storage 113 stores the program and various data. Storage 113 may be, but is not limited to, an HDD (Hard Disk Drive), SSD (Solid State Drive), flash memory, etc., and these may be in combination.

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

[0025] The input device 115 is implemented by any of the following types of devices, or a combination thereof, that can receive input from a user and transmit information related to said input to the processor 111 via the input / output interface 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 image-based operation input), a microphone (for voice-based operation input), or a combination thereof.

[0026] The output device 116 is implemented by any or a combination of any type of device capable of outputting the processing results processed by the processor 111 via the input / output interface 114. When outputting the processing results as video or moving images, the output device 116 is implemented by any or a combination of any type of device capable of displaying the display data written to the frame buffer. The output device 116 may, but is not limited to, a touch panel, a touch display, a monitor (for example, a liquid crystal display, an OLED (Organic Electroluminescence Display), etc.), a head-mounted display (HMD), projection mapping, a hologram, a device capable of displaying images or text information in air (or a vacuum), a speaker (audio output), a printer, etc., and these may be in combination. These output devices may also be capable of displaying the display data in 3D.

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

[0028] The transmitting / receiving unit 117 transmits and receives various types of data via the network 130. This communication may be performed via wired or wireless connection, and any communication protocol may be used as long as communication between the units is possible. The transmitting / receiving unit 117 has the function of communicating with other information processing devices via the network 130. The transmitting / receiving unit 117 transmits various types of data to other information processing devices according to instructions from the processor 111. The transmitting / receiving unit 117 also receives various types of data transmitted from other information processing devices and transmits them to the processor 111. Note that the server 150 has the same equipment as the server 110, so its description is omitted.

[0029] (2) Hardware configuration of terminal 120 The hardware configuration of terminal 120 included in information processing system 1 will be explained using Figure 1.

[0030] Terminal 120 includes a processor 121, memory 122, storage 123, input / output interface 124, input device 125, output device 126, transceiver 127, and read unit 128. The hardware components of terminal 120 are interconnected via bus B, not limited to, but as an example.

[0031] Terminal 120 implements the processing, functions, or methods described in this disclosure through the cooperation of a processor 121, memory 122, storage 123, input / output I / F 124, input device 125, output device 126, transmitting / receiving unit 127, and reading unit 128.

[0032] The processor 121 executes processes, functions, or methods realized by code or instructions contained in a program stored in the storage 123. The processor 121 may, but is not limited to, include a central processing unit (CPU), an MPU (Micro Processing Unit), a GPU (Graphics Processing Unit), a microprocessor, a processor core, a multiprocessor, an ASIC (Application-Specific Integrated Circuit), an FPGA (Field Programmable Gate Array), etc., and may realize each process, function, or method disclosed in each embodiment by logic circuits (hardware) or dedicated circuits formed on an integrated circuit (IC (Integrated Circuit) chip, LSI (Large Scale Integration)), etc. Furthermore, these circuits may be realized by one or more integrated circuits, and multiple processes shown in each embodiment may be realized by a single integrated circuit. In addition, LSIs may be referred to as VLSI, Super LSI, Ultra LSI, etc., depending on the degree of integration.

[0033] Memory 122 temporarily stores the program 1221 loaded from storage 123 and provides a workspace for the processor 121. Various data generated while the processor 121 is executing the program 1221 are also temporarily stored in memory 122. Memory 122 may be, but is not limited to, RAM (Random Access Memory), ROM (Read Only Memory), etc., or a combination of these.

[0034] Storage 123 stores programs and various data. Storage 123 may be, but is not limited to, an HDD (Hard Disk Drive), an SSD (Solid State Drive), flash memory, etc., and may be a combination of these.

[0035] The input / output interface 124 is connected to an input device 125 for inputting various operations to terminal 120, and to an output device 126 for outputting processing results processed by terminal 120.

[0036] The input device 125 is implemented by any of all types of devices capable of receiving input from a user and transmitting information related to said input to the processor 121, or a combination thereof. 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 image-based operation input), a microphone (for voice-based operation input), or a combination of these.

[0037] The output device 126 is implemented by any or a combination of any type of device capable of outputting the processing results processed by the processor 121. When outputting the processing results as video or moving images, the output device is implemented by any or a combination of any type of device capable of displaying the display data written to the frame buffer. The output device may, but is not limited to, a touch panel, a touch display, a monitor (for example, a liquid crystal display, an OLED (Organic Electroluminescence Display)), a head-mounted display (HMD), projection mapping, a hologram, a device capable of displaying images or text information in air (or a vacuum), a speaker (audio output), a printer, etc., and these may be in combination. These output devices may also be capable of displaying the display data in 3D.

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

[0039] The transmitting / receiving unit 127 transmits and receives various types of data via the network 130. This communication may be performed via wired or wireless connection, and any communication protocol may be used as long as communication between the units is possible. The transmitting / receiving unit 127 has the function of communicating with other information processing devices via the network 130. The transmitting / receiving unit 127 transmits various types of data to other information processing devices according to instructions from the processor 121. The transmitting / receiving unit 127 also receives various types of data transmitted from other information processing devices and transmits them to the processor 121.

[0040] (3) Others Cloud computing, consisting of one or more information processing devices, may implement at least a portion of the processing, functions, or methods on servers 110, 150, or terminal 120.

[0041] Other information processing devices may implement at least a portion of the processing, functions, or methods in the server 110, 150, or terminal 120. In this case, the processor of the other information processing device may implement at least a portion of the processing implemented by processor 111 or processor 121.

[0042] A program for performing the processing of each embodiment of this disclosure may be provided stored on a computer-readable storage medium. The storage medium is a “non-temporary, tangible medium” capable of storing the program. The program may be, but is not limited to, a software program or a computer program, etc.

[0043] The storage medium may be one or more semiconductor-based or other integrated circuits (ICs) (including, but not limited to, field-programmable gate arrays (FPGAs), application-specific integrated circuits (ASICs), 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, or any other suitable storage medium, and may be in combination. The storage medium may be volatile, non-volatile, or a combination of volatile and non-volatile.

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

[0045] Furthermore, each embodiment of this disclosure can also be realized in the form of a data signal embedded in a carrier wave, in which the program is embodied by electronic transmission.

[0046] The programs disclosed herein may be implemented using, but are not limited to, scripting languages ​​such as JavaScript® and Python, C language, Go language, Swift®, Kotlin®, Java®, and others.

[0047] <Other> Unless otherwise explicitly stated, the configuration of the determination in the embodiments of this disclosure is not essential, and a predetermined process may be performed if the determination conditions are met, or if the determination conditions are not met.

[0048] This disclosure includes all modifications, substitutions, alterations, modifications, or changes that a person skilled in the art could make to this disclosure. The attached claims also include all modifications, substitutions, alterations, modifications, or changes that a person skilled in the art could make to the claims. Furthermore, this disclosure includes any combination of one or more features of the embodiments or examples in this disclosure and one or more features of other embodiments or examples in this disclosure, which a person skilled in the art could make.

[0049] In addition, any reference in the appended claims to an apparatus or system or component of an apparatus or system that is adapted, positioned, capable, configured, available, operable, or capable of performing a particular process, function, or method, includes that apparatus, system, or component, whether or not it is activated, turned on, or unlocked, to the extent that it is adapted, positioned, capable, configured, available, operable, or capable in that manner.

[0050] Unless otherwise expressly stated, this disclosure may obtain user consent before or immediately before implementing any embodiment or example. The consent obtained may be comprehensive or obtained on a case-by-case basis.

[0051] <Embodiment> One embodiment, for example, allows a user to acquire monetary equivalents (e.g., points) by holding crypto assets.

[0052] In this embodiment, users can acquire, for example, monetary equivalents free of charge by holding crypto assets, without having to make any application, thereby generating interest in crypto assets among users, promoting crypto asset trading, and achieving the effect of not being subject to restrictions on selling through staking.

[0053] Figure 2 is a diagram illustrating the overview of the processing according to the embodiment. In the information processing system 1 shown in Figure 2, server 110 provides a cryptocurrency trading platform. Server 110 is part of a system that provides a cryptocurrency trading platform, and this system includes a wallet for trading user U's cryptocurrencies and a validator. User U makes a request to purchase cryptocurrencies from the cryptocurrency trading platform, which is composed of server 110, etc. When server 110 confirms the deposit of fiat currency for purchasing cryptocurrencies, it makes a request to purchase cryptocurrencies from a cryptocurrency provider such as a Liquidity Provider, which is composed of server 150, etc. As a specific example, it generates information for trading the quantity of cryptocurrencies corresponding to the fiat currency deposited by user U and outputs it to the cryptocurrency provider, etc.

[0054] When a cryptocurrency transaction is executed, the quantity of the traded cryptocurrency is associated with the identification information (wallet address) of user U's wallet, and user U then holds the cryptocurrency. Note that user U may not be a single user but multiple users. In other words, multiple users U may be associated with a single wallet.

[0055] The validator will proceed with the staking process for at least a portion or an equivalent amount of each user's crypto assets, including user U.

[0056] Staking is a system where you earn rewards by contributing to the operation of a blockchain. For example, cryptocurrencies suitable for staking are those that employ consensus algorithms such as PoS (Proof of Stake) and DPoS (Delegated Proof of Stake), including Ethereum (ETH), Polkadot (DOT), and Solana (SOL). Staking has the advantage of earning rewards simply by holding cryptocurrencies, but it also has the disadvantage that the cryptocurrencies are locked for a certain period, during which time they cannot be bought, sold, or transferred.

[0057] In this embodiment, in order to enjoy the benefits of staking while eliminating the disadvantages, the crypto assets held by user U can be freely bought and sold, and the business operator stakes at least a portion of the crypto assets held by each user and obtains the rewards (crypto assets) obtained from that staking (the obtained rewards may be converted into fiat currency, or only the fiat amount if converted into fiat currency may be calculated). Server 110 grants each user a gratuitous monetary equivalent based on the fiat currency based on the obtained rewards (hereinafter, "points" issued by the business operator will be used as an example, but this is not limited to this, and it may be fiat currency or points that can be used for services provided by other servers 110). As a result, each user does not need to apply for staking and is granted points simply by holding crypto assets. Returning to Figure 1 below, each configuration in this embodiment will be explained. For the sake of simplicity, the acquisition of rewards through staking and the granting of points based on those rewards will be explained in correspondence, but each process may be carried out separately and independently.

[0058] <Configuration of the embodiment> Figure 1 will be used to explain the configurations of server 110 and terminal 120. (1) Server configuration The server 110 includes a processor 111, memory 112, storage 113, input / output interface 114, input device 115, output device 116, and transceiver 117.

[0059] Any processing, function, or method that can be executed and configured by the processor 111 may be implemented, to the extent feasible, by machine learning or AI (Artificial Intelligence), etc.

[0060] The input / output interface 114 receives various setting operations and other information from the operators of the various services provided by the server 110, via the input device 115 or the output device 116.

[0061] The transmitting / receiving unit 117 transmits and receives data with the terminal 120, etc., according to instructions from the processor 111. For example, when the user of the terminal 120, etc., is authenticated by the user ID and password included in the login request from the terminal 120, etc., the transmitting / receiving unit 117 establishes a communication session with the terminal 120, etc., using HTTPS or the like. The transmitting / receiving unit 117 then stores the communication address of the terminal 120, etc., and the user ID, etc., associated with the ID of the established communication session. Then, it sends data to the terminal 120, etc., using the established communication session.

[0062] In this embodiment, memory 112 stores program 1121, user information 1122, account information 1123, settlement management information 1124, transaction management information 1125, settlement control module 1126, first transaction control module 1127, second transaction control module 1128, and data structures, or subsets thereof. Note that the information stored in memory 112 may also be stored in other storage devices (e.g., storage 113).

[0063] As described above, program 1121 is a program loaded from storage 113 and includes instructions related to the processing in the embodiment. Program 1121 may also include instructions for executing processes to provide electronic commerce services and / or payment services to the user. Furthermore, program 1121 may include instructions for executing processes to provide trading services for currencies with fluctuating value (e.g., crypto assets) to the user.

[0064] User information 1122 includes information about users registered on an e-commerce platform provided by a business operator. User information 1122 may also be linked with a payment service that performs electronic payments and include information about users who use the payment service. Furthermore, user information 1122 may be linked with a trading service that performs cryptocurrency trading and include information about users who use the cryptocurrency trading service, and may be linked with the user information of users who use the cryptocurrency trading service using a user ID or the like.

[0065] Figure 3 shows an example of user information 1122 according to the embodiment. User information manages information about each member user created by a business operator providing an e-commerce platform. The business operator may also be a payment service provider that operates and manages payment services, or a business operator that operates a cryptocurrency exchange that conducts cryptocurrency trading.

[0066] The "User ID" field contains user identification information (User ID: Identifier) ​​that allows server 110 to uniquely identify the user. The "Email Address" field contains the email address registered by the user. The "Name" field contains the user's name. The "Occupation" field contains 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 a driver's license, driver's license number if applicable, and My Number card number.

[0067] Figure 4 shows an example of account information 1123 according to the 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, a person who operates and manages an electronic payment service, and / or a cryptocurrency exchange business operator.

[0068] The "User ID" field contains user identification information that allows server 110 to uniquely identify the user. The "Password" field contains the password used for user authentication. The "Balance" field contains the balance of electronic money (or electronic value) in the user's account. Electronic money is, for example, monetary value that can be used for payment by digitizing cash.

[0069] In the example shown in Figure 4, the balance includes the charge amount, sales amount (revenue), points 1, points 2, etc. This is just an example and is not limited to these. The charge amount refers to, for example, the amount that a user deposits from their own bank account to an account created by a business. Sales amount refers to, 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 their sales amount, and are points that can be used on the linked e-commerce platform. Points 2 are, for example, points that are awarded by a business or other party, and are points that can be used at merchants that are members of the e-commerce platform or payment service.

[0070] The amount that can be charged can be added to the account balance once the user enters their bank account information within the application provided by the service provider, links their user ID to their bank account, and completes identity verification. In addition to bank accounts, it is also possible to charge the account at convenience stores, etc. Below, if identity verification in accordance with the Act on Prevention of Transfer of Criminal Proceeds has been completed, it will be indicated as "After Identity Verification," and if identity verification has not been completed, it will be indicated as "Before Identity Verification."

[0071] Point 1 is a paid point converted from sales revenue for transactions on the e-commerce platform before bank connection is established. Point 1 may have an expiration date, for example, six months. Once bank connection is established, Point 1 can be withdrawn from sales revenue, so there is no need to convert it into Point 1 and hold it. Therefore, Point 1 held before bank connection will gradually decrease through use. Bank connection refers to the state in which a user's account is associated with the user's bank account.

[0072] Point 2 refers to points distributed or granted by businesses, etc., as a reward, and Point 2 may have an expiration date. The expiration date of Point 2 may be set to be shorter than the expiration date of Point 1. For example, in this embodiment, the monetary equivalent granted for holding crypto assets may also be Point 2.

[0073] The "crypto assets" shown in Figure 4 include crypto assets purchased or held by users. Crypto assets include, for example, Ethereum and Bitcoin (registered trademark), and are volatile and exchangeable property with monetary value.

[0074] Furthermore, crypto assets may be stored in a separate database. In this case, the user ID of the account in e-commerce, etc., and the user ID of the account in crypto asset trading may be associated, thereby linking the balance in e-commerce and the crypto assets in crypto asset trading for the same user. Even for the same user, the user ID in e-commerce and the user ID in crypto asset trading (e.g., wallet address) may be different IDs.

[0075] Furthermore, the total amount of crypto assets held by each user may be managed as account information 1123. Figure 5 is a diagram showing an example of the total amount of crypto assets held or managed by a business operator according to the embodiment. In the example shown in Figure 5, the amount of crypto assets held or managed by the business operator at that time and the amount of crypto assets locked in staking operations are managed, and the sum of these amounts of crypto assets becomes the total amount of crypto assets. Crypto assets locked in staking operations should preferably be managed in a cold wallet so that the crypto assets being staked can be returned even if the crypto asset exchange goes bankrupt.

[0076] Figure 6 shows an example of payment management information 1124 according to the embodiment. The payment management information can be any information related to payment. For example, it is information generated by a payment terminal when a user purchases a product and transmitted to the server 110. "Payment ID" includes identification information (payment ID) for identifying the payment. "Date and time" includes the date and time when the electronic payment was completed. Electronic payments may include, for example, payments using a QR code, credit card payments, and cryptocurrency payments, which will be described later. "Store ID" includes store information (also called store ID) of the store where the electronic payment was made. If the store has multiple POS terminals, the store ID may be the ID of the POS terminal. "Payment amount" includes the payment amount when the electronic payment was made. "Payment method" includes information on the payment method used for the payment. The payment method is one of the following, for example, lump-sum payment, deferred payment where payment is made in a lump sum in the following month or later, fixed-amount deferred payment where a fixed amount is settled in a fixed amount in the following month or later, convenience store payment, credit card payment, balance payment, bonus payment, etc. Furthermore, multiple payment methods may be selected for a single transaction. The "Status" field includes information indicating "Completed" if the payment (settlement) is complete, and information indicating "Not Completed" if the payment is not yet complete.

[0077] When server 110 interacts with e-commerce services provided by an e-commerce platform, transaction management information 1125 includes a history of transaction information related to the buying and selling of goods on the e-commerce platform.

[0078] Figure 7 shows an example of transaction management information 1125 according to the embodiment. "Seller ID" includes the user ID of the seller. "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 be included in the listing information. "Listing Time" includes the time the product was listed. "Buyer ID" includes the user ID of the user who purchased the product. "Payment Method" includes the payment method used by the buyer to purchase the product.

[0079] In addition, "Status" may be included as another item in the transaction management information. "Status" includes the status of the transaction in e-commerce. Status may include "In Transaction" indicating that the transaction is currently ongoing, "Negotiating" indicating that negotiations are underway with the buyer user, and "Sold" indicating that the item has been sold.

[0080] Returning to Figure 1, the payment control module 1126 stored in memory 112 is executed by the processor 111 to perform payment processing when each user purchases goods on the e-commerce platform, and payment processing when each merchant purchases goods. For example, payment processing at stores is managed by the payment management information shown in Figure 6, and payment processing on the e-commerce platform is managed by the transaction management information shown in Figure 7.

[0081] Furthermore, the first transaction control module 1127, stored in memory 112, is executed by processor 1111 to control buying and selling transactions on the e-commerce platform. For example, the first transaction control module 1127 controls user registration, listing processing, buying and selling transaction processing, evaluation processing, and electronic value management processing on the e-commerce platform.

[0082] The second transaction control module 1128, stored in memory 112, controls cryptocurrency transactions. For example, the second transaction control module 1128 creates a cryptocurrency account and, according to the user's instructions, performs the buying and selling of a predetermined cryptocurrency. Also, if the second transaction control module 1128 is authorized by the user to purchase cryptocurrency, it purchases the cryptocurrency from a cryptocurrency trading platform (also called a "cryptocurrency exchange") using sales proceeds, charged amounts, or other payment methods. Hereinafter, this purchase process will also be referred to as the cryptocurrency conversion process (or exchange process). The second transaction control module 1128 may be installed on another business operator's server (for example, server 150).

[0083] The following describes the process by which users can acquire monetary equivalents by holding crypto assets without having to make any application, and can buy and sell crypto assets at any time without restrictions.

[0084] The second transaction control module 1128 obtains cryptocurrency purchase requests from each user. For example, the second transaction control module 1128 obtains cryptocurrency purchase requests, which include data on the fiat currency used to purchase the cryptocurrency and the type of cryptocurrency, output from each terminal 120 used by each user utilizing the platform provided by the operator.

[0085] The second transaction control module 1128 associates each user who makes a purchase request with the quantity of cryptocurrency to be purchased based on that request. For example, for each user who makes a purchase request, the second transaction control module 1128 identifies the quantity of cryptocurrency corresponding to the fiat currency (e.g., fiat currency ÷ market value) using the conversion rate (market value) at the time of the request. The second transaction control module 1128 may also manage the identified quantity of cryptocurrency by associating it with the user's identification information (e.g., user ID or wallet address).

[0086] The second transaction control module 1128 proceeds with staking on at least a portion of the total amount of crypto assets held by each user managed by the operator. For example, the second transaction control module 1128 may allocate a predetermined value of the total amount of crypto assets held by each user to the staking process. This predetermined value may be a predetermined percentage, such as 50%, and may be set by the operator as appropriate.

[0087] The second transaction control module 1128, for example, executes a staking process to deposit 50% of the total amount of crypto assets into the blockchain network at a predetermined time. Note that crypto assets deposited for staking may be locked (immovable) for a predetermined period.

[0088] The second transaction control module 1128 acquires the rewards generated by the staking process. For example, after the lock period ends, the second transaction control module 1128 acquires the cryptocurrency rewards based on the interest rate set for the cryptocurrency. The interest rate may be set for each cryptocurrency.

[0089] The second transaction control module 1128 calculates the amount of monetary equivalent based on the quantity of crypto assets held by each user and a first percentage associated with the acquired rewards. For example, the second transaction control module 1128 calculates the amount in fiat currency by multiplying the acquired crypto asset reward (quantity of crypto assets) by the conversion rate (market value). In this case, the amount in fiat currency may be reflected in the accounting as revenue for the business operator. The first percentage may be set based on the interest rate for staking with crypto assets. For example, if the interest rate is 3%, the second transaction control module 1128 may set the first percentage by subtracting a predetermined value from the interest rate. The first percentage may be set automatically, such as by multiplying the staking interest rate by a predetermined coefficient, or it may be set by the business operator.

[0090] The second transaction control module 1128 may calculate the amount of monetary equivalent to be awarded to each user by multiplying the amount of cryptocurrency held by each user by a first percentage. For example, the second transaction control module 1128 may ensure that the amount of monetary equivalent awarded increases if the amount of cryptocurrency held by a user is large. The monetary equivalent includes free points, which are points that can be used in services provided by the service provider. However, the calculation of the amount of monetary equivalent is not limited to this. For example, it may be calculated by multiplying the reward of cryptocurrency acquired by the service provider by a first percentage and then multiplying that by the ratio of the amount of cryptocurrency held by each user to the total amount of cryptocurrency held by all users.

[0091] The second transaction control module 1128 associates the calculated amount of monetary equivalent with each user. For example, the second transaction control module 1128 associates with each user the free points (for example, points 2 shown in Figure 4) that are awarded to that user for holding crypto assets.

[0092] The second transaction control module 1128 may, at any time (for example, when a crypto asset purchase request is made), allow the user to set the holding period for the crypto asset, and calculate the amount of monetary equivalent to be given to the user according to this holding period, the amount of crypto asset held by the user, and the first percentage.

[0093] Through the above process, it becomes possible to grant each user a monetary equivalent simply by holding crypto assets, without requiring any application or other procedures, and users can buy and sell crypto assets at any time without restrictions. For example, in this embodiment, since the user's crypto assets are not locked by staking, they can buy and sell without restrictions, and because staking is performed by the service provider in the background, there is the added benefit that users receive a monetary equivalent based on the rewards of this staking.

[0094] For example, the second transaction control module 1128 may award points at predetermined intervals (e.g., daily or monthly) based on the following calculation example, according to the amount of crypto assets held by each user. • Period for calculating the amount granted: From the 1st of each month to the last day of the current month • Annual interest rate: X% (The annual interest rate can be changed at any time) • Method for calculating the amount granted: The amount granted is calculated by multiplying the average value of the currency held during the target period by 1 / 12 of the set annual rate (X%). For example, the calculation of the valuation for the day uses the value as of the specified time on the following day (JST). Specific example: The reward for January 1, 2024 will be calculated based on the user's cryptocurrency holdings at a specified time on January 2, 2024 (JST) and the market value. • How points are awarded: The awarded points will be added to the user's account balance on the first day of the following month. The granting process will be carried out after a specified time on the day following the last day of the current month (the first day of the following month). The points will expire at a predetermined time. • Points awarded per unit: 1 point Any fractional points less than 1 will be carried over to the following month.

[0095] The second transaction control module 1128 holds any fractional amounts less than one point for each user and adds these fractional amounts each month. In this case, if the fractional amount exceeds one point (the minimum unit for awarding points), the second transaction control module 1128 awards one point to the user, deducts one point, carries over the remaining fractional amount, and adds it to the monthly fractional amount. This allows users to enjoy the benefits of point awarding without wasting any fractional amounts.

[0096] Furthermore, the second transaction control module 1128 may also be provided with a function to check the current month's reward even during the target period. For example, the second transaction control module 1128 may calculate the expected points using the following formula. Estimated Reward = (Average valuation up to the previous day × Number of days remaining in the current month + Market value at the time of access × Number of remaining days in the current month) / Number of days in the current month Example) When accessed at 15:00 on 2024 / 7 / 15 Average valuation from 6:59:59 on 2024 / 7 / 2 (for 7 / 1) to 6:59:59 on 2024 / 7 / 15 (for 7 / 14) = 10,000 yen Market value as of 15:00 on 2024 / 7 / 15 = 15,000 yen Average valuation used for calculating potential points = (10000 × 15 + 15000 × 16) / 31 = 13096 yen (rounded down) Estimated points = 13096 × monthly rate Through the above process, users will be able to check the expected points to be awarded, even during the specified period.

[0097] In addition to the processing described above, the second transaction control module 1128 may change the first percentage according to each user's user information or at any arbitrary timing. For example, the second transaction control module 1128 may set the first percentage (e.g., annual rate) based on user information (attribute information / behavioral information). Attribute information includes, for example, at least one of the user's occupation, age, annual income, etc., and behavioral information includes, for example, at least one of the following: number of cryptocurrency transactions, amount held, number of times linked services are used, total amount used, evaluation value, etc. Furthermore, the first percentage may fluctuate depending on the user stage set for the user by the service provider.

[0098] The second transaction control module 1128 may change the first percentage at any time, for example, when the interest rate for staking crypto assets is changed, in accordance with the changed interest rate. The second transaction control module 1128 may also change the first percentage at any time when the market price fluctuation meets predetermined conditions (e.g., the fluctuation value is greater than or equal to a predetermined value).

[0099] Through the above process, the first percentage can be reviewed at an appropriate time, and as a result, the amount of monetary equivalent provided to the user can be adjusted to an appropriate amount.

[0100] In addition to any of the above-described processes, the second transaction control module 1128 may also set a second percentage of the crypto assets used for staking. For example, the second transaction control module 1128 may set the second percentage of each user's total crypto assets to, for example, 50%.

[0101] The second ratio should ideally be set based on the amount obtained by subtracting the amount required for routine operations from the total amount of crypto assets held by users. The amount required for routine operations is, for example, the total amount of crypto assets that each user sells within a specified period, and represents the amount of crypto assets that the service provider needs to hold as a buffer.

[0102] Through the above process, businesses can allocate an appropriate amount of cryptocurrency to staking operations, maximize investment profits, and as a result, return the equivalent amount of money to each user.

[0103] In addition to any of the above-described processes, the second transaction control module 1128 may also include setting a second ratio based on the total amount of crypto assets managed by the operator and the amount of crypto assets used for staking. That is, the second transaction control module 1128 may monitor crypto asset transaction information, and if the amount of crypto assets required for routine operations falls below a predetermined value due to user sales transactions, it may lower the second ratio, redeem the crypto assets currently being staked, and add the amount of redeemed crypto assets to the amount of crypto assets required for routine operations.

[0104] Furthermore, the second transaction control module 1128 may manage the percentage of assets being staked (amount staked ÷ total amount) and the percentage held by the operator as necessary for its regular operations (amount that can be quickly sold ÷ total amount). For example, if either percentage falls below a threshold, the second transaction control module 1128 may notify the operator or automatically release the crypto assets being staked so that the percentage that has fallen below the threshold exceeds the threshold.

[0105] Through the above process, by monitoring cryptocurrency transaction information, it becomes possible to optimize the quantity of cryptocurrency being staked or the amount of cryptocurrency available for use in regular operations by the business operator.

[0106] In addition to any of the above-described processes, the second transaction control module 1128 may also obtain a request to sell crypto assets from a predetermined user among the users. For example, the second transaction control module 1128 obtains a request to sell, including the quantity of crypto assets to be sold, which is output from a terminal 120 used by a predetermined user who holds crypto assets.

[0107] The second transaction control module 1128 performs the process of selling a designated user's crypto assets based on a sell request, regardless of staking processing. For example, the second transaction control module 1128 sells the quantity included in the sell request, subtracts the sold quantity from the quantity of crypto assets held by this user, and updates the holding quantity.

[0108] Through the above process, users can sell the crypto assets they hold. Note that when a user stakes their own crypto assets, they must unstake them before selling them. However, in this embodiment, since the crypto assets held by the user and the crypto assets staked are different, it is possible to immediately sell the crypto assets held by the user. If a user sells crypto assets, the amount of monetary equivalent they receive in the next round will change because the amount of crypto assets they hold will be different.

[0109] Furthermore, monetary equivalents can be used in services provided by server 110 or other services that server 110 interacts with. For example, they can be used as part of the monetary value when purchasing goods in buying and selling services or payment services on e-commerce platforms provided or interacted with by server 110.

[0110] Therefore, it is possible to provide users with monetary equivalents that have value to them through the holding of crypto assets.

[0111] Furthermore, the second transaction control module 1128 may output to the user's terminal 120 a UI component that indicates that monetary equivalents have been granted to the user and moves according to the quantity of monetary equivalents associated with that user. For example, the second transaction control module 1128 may use an animated UI to output to the user's terminal 120 at the timing of displaying a screen indicating that monetary equivalents have been acquired. Examples of screens will be described later with reference to Figures 10 and 11. Note that the animated UI may be executed in the application on the terminal 120.

[0112] Furthermore, the second transaction control module 1128 may allow the user to select fiat currency, points, or other currencies as rewards. If the user selects another currency, the second transaction control module 1128 may calculate the reward using the selected currency pair (the conversion rate between the default currency and the other selected currency), or it may convert it to fiat currency first and then calculate the reward.

[0113] The one or more processors 111 described above read and execute each module from the memory 112 as needed. For example, one or more processors 111 may constitute a settlement control unit, a first transaction control unit, and a second transaction control unit, respectively, by executing a settlement control module 1126, a first transaction control module 1127, and a second transaction control module 1128.

[0114] (2) Configuration of terminal 120 The terminal 120 includes a processor 121, memory 122, storage 123, input / output interface 124, input device 125, output device 126, transmitting / receiving unit 127, and reading unit 128.

[0115] The processing, functions, or methods performed by the processor 121 may be implemented, to the extent feasible, by machine learning or AI (Artificial Intelligence), etc.

[0116] The input device 125 receives various operations and other information from the user of the terminal 120.

[0117] The transmitting / receiving unit 127 transmits and receives data with the server 110, etc., according to instructions from the processor 121. For example, when logging into the server 110, the transmitting / receiving unit 127 establishes a communication session with the server 110 using HTTPS or the like. It then stores the communication address of the server 110, etc., associated with the ID of the established communication session. Finally, it sends data to the server 110 using the established communication session.

[0118] The processor 121 performs processing that utilizes predetermined services provided by the server 110.

[0119] In one embodiment, memory 122 stores the following: program 1221, settlement processing module 1222, first transaction processing module 1223, second transaction processing module 1224, display control module 1225, and data structure, or a subset thereof. Note that the information stored in memory 122 may also be stored in other storage devices (e.g., storage 123).

[0120] As described above, program 1221 is a program loaded from storage 123 and includes instructions and the like related to each embodiment.

[0121] The payment processing module 1222 performs processing related to electronic payments. For example, the payment processing module 1222 performs store-scan type payments, where user information is coded and that code is read by the store's terminal, or user-scan type payments, where a code containing store information is read. The payment processing module 1222 may also perform person-to-person money transfer processing.

[0122] The first transaction processing module 1223 executes processes for buying and selling goods on an e-commerce platform. For example, the first transaction processing module 1223 executes processes for listing goods and purchasing goods on an e-commerce platform.

[0123] The second transaction processing module 1224 may perform the process of buying and selling crypto assets. For example, the second transaction processing module 1224 may send a request to the server 110 to buy or sell crypto assets.

[0124] The display control module 1225 controls the output device 126 to display screen data related to electronic payment services, e-commerce platforms, and cryptocurrency transactions. For example, the display control module 1225 controls the display to show a screen for listing products, a screen for purchasing products, or a screen for buying and selling cryptocurrencies.

[0125] Furthermore, the display control module 1225 may be controlled to display a screen showing points acquired by holding crypto assets, as described above. Users can then set registration information for opening a crypto asset account by operating UI components for opening a crypto asset account from these display screens.

[0126] The one or more processors 121 described above read and execute each module from the memory 122 as needed. For example, one or more processors 121 may constitute a settlement processing unit, a first transaction processing unit, a second transaction processing unit, and a display control unit by executing the settlement processing module 1222, the first transaction processing module 1223, the second transaction processing module 1224, and the display control module 1225, respectively.

[0127] <Operation process of the embodiment> Referring to Figure 8, the processing of the information processing system 1 according to the embodiment will be described. Figure 8 shows an example of a flowchart of the processing of the information processing system 1 according to the embodiment. The processing shown in Figure 8 is, for example, an example of processing related to the holding of crypto assets and the provision of monetary equivalents by the server 110 in response to various requests from the terminal 120 made by the user.

[0128] (Step S102) The second transaction control module 1128 obtains cryptocurrency purchase requests from each user. For example, the second transaction control module 1128 obtains cryptocurrency purchase requests, which include data on the fiat currency used to purchase the cryptocurrency and the type of cryptocurrency, output from each terminal 120 used by each user utilizing the platform provided by the operator.

[0129] (Step S104) The second transaction control module 1128 associates each user who makes a purchase request with the quantity of cryptocurrency to be purchased based on that request. For example, for each user who makes a purchase request, the second transaction control module 1128 identifies the quantity of cryptocurrency corresponding to the fiat currency (e.g., fiat currency ÷ market value) using the conversion rate (market value) at the time of the request. The second transaction control module 1128 may also manage the identified quantity of cryptocurrency by associating it with the user's identification information (e.g., user ID or wallet address).

[0130] (Step S106) The second transaction control module 1128 executes the staking process on at least a portion of the total amount of crypto assets held by each user managed by the operator. For example, the second transaction control module 1128 may allocate a predetermined percentage of the total amount of crypto assets held by each user to the staking process.

[0131] (Step S108) The second transaction control module 1128 acquires the rewards generated by the staking process. For example, after the lock period ends, the second transaction control module 1128 acquires the cryptocurrency rewards based on the interest rate set for the cryptocurrency. The interest rate may be set for each cryptocurrency.

[0132] (Step S110) The second transaction control module 1128 calculates the amount of monetary equivalent based on the amount of crypto assets held by each user and a first percentage associated with the acquired reward. For example, the second transaction control module 1128 may calculate the amount of monetary equivalent to be given to each user by multiplying the amount of crypto assets held by each user by the first percentage.

[0133] (Step S112) The second transaction control module 1128 associates the calculated amount of monetary equivalent with each user. For example, the second transaction control module 1128 associates with each user the free points (for example, points 2 shown in Figure 4) that are awarded to that user for holding crypto assets.

[0134] Through the above process, by holding crypto assets, it becomes possible to acquire monetary equivalents without any application or other special procedures, and to buy and sell crypto assets at any time without restrictions. For example, in this embodiment, since the user's crypto assets are not locked by staking, buying and selling can be done without restrictions, and since staking is performed by the service provider in the background, there is the advantage that monetary equivalents are granted to the user based on the rewards of this staking.

[0135] <Screen example> Next, examples of screens displayed on the user's terminal 120 will be explained using Figures 9 to 11. Figure 9 is a diagram showing an example of the screen for a terminal 120 that has not yet opened an account according to the embodiment. In the example shown in Figure 9, screen D10 shows an example of a screen displayed to a user who has not opened a cryptocurrency account.

[0136] The creation screen D10 shown in Figure 9 notifies the user that they can receive points every month (for a specified period) simply by holding the target cryptocurrency. In the example screen shown in Figure 9, multiple objects with a circled P (also called "P objects") are displayed below "Receive points every month," but they are grayed out (displayed in gray) because the user has not opened an account and does not hold either Coin A or Coin B.

[0137] Furthermore, in the example shown in Figure 9, the user is notified that they will receive points at an annual rate of 2.8% if they hold "Coin A," and it is displayed that they will not be eligible for points if they hold "Coin B."

[0138] In the example shown in Figure 9, the user can select either "Coin A" or "Coin B" by clicking the "Start" button and proceed with opening a cryptocurrency account. If "Coin A" is selected, points will be awarded according to the amount of cryptocurrency purchased. In addition to the amount of cryptocurrency purchased, a holding period may also be set, and the holding period may be taken into consideration when calculating the number of points awarded. As mentioned above, no application for staking is required when opening a cryptocurrency account.

[0139] Figure 10 shows an example of the screen for the account opened and target currency held on terminal 120 according to the embodiment. In the example shown in Figure 10, it is shown that this user holds 10,000 yen worth of "A coin" and 5,000 yen worth of "B coin". The screen D20 shows that the user will be awarded 350 points just for holding "A coin", and will receive 45 points on the first day of next month (e.g., August 1st).

[0140] In the example screen shown in Figure 10, the number of P objects corresponding to the number of points held by this user may be displayed in display frame B20 below "Receive points every month". The P objects may flow from the top to the bottom of display frame B20 and accumulate at the bottom of display frame B20. This allows the user to understand the extent to which their points have accumulated in display frame B20. The second transaction processing module 1224 of terminal 120 may, when display frame B20 is filled with P objects, convert a predetermined number of P objects into one P object of one size larger to create space in display frame B20 so that P objects can be accumulated again.

[0141] Furthermore, the P object may be displayed in such a way that it rolls in accordance with the tilt of the terminal. For example, the second transaction processing module 1224 of terminal 120 may detect the amount of tilt of terminal 120 and roll the P object in the direction of the tilt according to this amount of tilt.

[0142] Figure 11 shows an example of a point awarding screen for terminal 120 according to an embodiment. In the example shown in Figure 11, the number of awarded points (45 points) is displayed as a dialog box. In the background of the dialog box, multiple P objects flow down from the top to the bottom of the screen. The number of objects may correspond to the number of awarded points. Also, once a certain amount of P objects have accumulated at the bottom of the screen, the animation may end, they may disappear from the bottom of the screen, or they may continue to pile up to a predetermined area. Furthermore, these P objects may be displayed in a way that they roll in accordance with the tilt of the terminal. For example, the second transaction processing module 1224 of terminal 120 may detect the amount of tilt of terminal 120 and roll the P objects in the direction of the tilt according to this amount of tilt.

[0143] Furthermore, the example point awarding screens shown in Figures 10 and 11 can also be applied to other situations where points are acquired or revenue is generated, such as salary deposits or sales profits on e-commerce platforms. Additionally, the second transaction processing module 1224 of terminal 120 may display an animation in which the P object is absorbed into, for example, the "Payment" tab at the bottom of the screen. This allows for the representation of revenue being absorbed into a wallet.

[0144] The disclosed technology described above is not limited to the embodiments described above, and can be implemented in various other forms without departing from the gist of the disclosed technology. For example, the order of each processing step described above can be arbitrarily changed or executed in parallel, as long as there is no inconsistency in the processing content.

[0145] <Variation> The above embodiment describes an example in which a business operator converts staking rewards (cryptocurrency) into fiat currency and periodically distributes free points to users. However, the monetary equivalent may be calculated based on the cryptocurrency reward and a first percentage. Furthermore, the monetary equivalent may be in other currencies.

[0146] The market value acquired by the second transaction control module 1128 may include the market value at the time the terminal 120 made a purchase request for the cryptocurrency, the market value at the time the server 110 accepted the purchase request, and so on.

[0147] The second transaction control module 1128 associates the converted fiat currency or points, etc., with the user. For example, the second transaction control module 1128 may add the converted fiat currency or points, etc., to the user's account balance. [Explanation of symbols]

[0148] 1…Information processing system, 110…Server, 111…Processor, 112…Memory, 113…Storage, 114…Input / Output I / F, 115…Input device, 116…Output device, 117…Transmit / Receive unit, 120…Terminal, 121…Processor, 122…Memory, 123…Storage, 124…Input / Output I / F, 125…Input device, 126…Output device, 127…Transmit / Receive unit, 1126…Settlement control module, 1127…First transaction control module, 1128…Second transaction control module, 1222…Settlement processing module, 1223…First transaction processing module, 1224…Second transaction processing module, 1225…Display control module

Claims

1. Information processing device, To obtain cryptocurrency purchase requests from each user, To associate each of the aforementioned users with the quantity of the aforementioned cryptocurrency to be purchased based on their respective purchase requests, To proceed with staking on at least a portion of the total amount of crypto assets held by each of the aforementioned users managed by the business operator. To obtain the rewards generated by the aforementioned staking process, The quantity of monetary equivalents is calculated based on the quantity of the crypto assets of each user and the first percentage associated with the reward. To associate the quantity of the monetary equivalent with each of the users, An information processing method that performs the following.

2. The information processing method according to claim 1, which performs the following actions: changing the first ratio according to the user information of each user, or at any arbitrary timing.

3. The information processing method according to claim 1, which involves setting a second percentage of the crypto assets used in the staking process.

4. The above setting means, The information processing method according to claim 3, comprising setting the second ratio based on the total amount of crypto assets managed by the business operator and the amount of crypto assets used for staking processing.

5. To obtain a request to sell the crypto asset from a designated user among the aforementioned users, The information processing method according to claim 1, which performs the process of selling the crypto assets of the predetermined user based on the sale request, regardless of the staking process.

6. The information processing method according to claim 1, wherein the monetary equivalent is available for use in a service provided by the information processing device or in other services with which the information processing device is linked.

7. The information processing method according to claim 1, which includes indicating that the monetary equivalent has been granted to the user, and outputting a UI component that moves according to the quantity of the monetary equivalent associated with the user to a processing terminal used by the user.

8. In an information processing device, To obtain cryptocurrency purchase requests from each user, To associate each of the aforementioned users with the quantity of the aforementioned cryptocurrency to be purchased based on their respective purchase requests, To proceed with staking on at least a portion of the total amount of crypto assets held by each of the aforementioned users managed by the business operator. To obtain the rewards generated by the aforementioned staking process, The quantity of monetary equivalents is calculated based on the quantity of the crypto assets of each user and the first percentage associated with the reward. To associate the quantity of the monetary equivalent with each of the users, A program that executes something.

9. An information processing device including one or more processors, The one or more processors described above To obtain cryptocurrency purchase requests from each user, To associate each of the aforementioned users with the quantity of the aforementioned cryptocurrency to be purchased based on their respective purchase requests, To proceed with staking on at least a portion of the total amount of crypto assets held by each of the aforementioned users managed by the business operator. To obtain the rewards generated by the aforementioned staking process, The quantity of monetary equivalents is calculated based on the quantity of the crypto assets of each user and the first percentage associated with the reward. To associate the quantity of the monetary equivalent with each of the users, An information processing device that performs the following actions.

Images