Information processing method, program, and information processing device

Abstract

To enable a user to easily share and use assets owned by the user with specific users. [Solution] An information processing method executed by a computer, comprising the steps of: acquiring a transfer request requesting the transfer of a specified asset; acquiring a token issued to the requesting user, the token being associated with the balance of a specified asset held by the user; acquiring the balance of the specified asset associated with a token corresponding to specified identification information issued to another user other than the requesting user; determining whether or not to transfer the specified asset based on the sum of the balances of the specified asset associated with the tokens of the requesting user and the other users and the transfer amount included in the transfer request; and controlling the transfer of the specified asset to the account of a destination user from the sum of the balances of the specified asset associated with the tokens of the requesting user and the other users.

Description

[Technical field]

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

[0002] There is known a technique for managing digital assets such as charge balances in cashless payments (see, for example, Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2023-090047 A Summary of the Invention [Problem to be solved by the invention]

[0004] In the prior art, in order to share and use assets within a group such as a family, it was necessary to transfer the assets by remittance or the like, which was cumbersome.

[0005] The present invention has been made in consideration of these points, and has an object to enable a user to easily share and use assets owned by the user with specific users. [Means for solving the problem]

[0006] In an information processing method according to a first aspect of the present invention, a computer executes a first acquisition step of acquiring transfer request information requesting a transfer of a predetermined asset, a second acquisition step of acquiring a token corresponding to predetermined identification information issued to a requesting user who has requested the transfer of the asset related to the transfer request information, the token being associated with a balance of the predetermined asset held by the issued user, a first determination step of determining whether or not the predetermined asset can be transferred based on the balance of the predetermined asset associated with the token of the requesting user and a transfer amount included in the transfer request information, and, when it is determined in the first determination step that the predetermined asset cannot be transferred, a second determination step of determining whether or not the predetermined asset can be transferred based on the balance of the predetermined asset associated with the token of the requesting user and a transfer amount included in the transfer request information, and a third acquisition step of acquiring the token issued to the requesting user; a second determination step of determining whether or not the specified assets can be transferred based on a sum of the balance of the specified assets associated with the token of the requesting user and the balance of the specified assets associated with the token of the other user and a transfer amount included in the transfer request information; and a transfer control step of controlling, when it is determined that the specified assets can be transferred in the second determination step, to transfer an amount of the specified assets indicated in the transfer request information from the sum of the balance of the specified assets associated with the token of the requesting user and the balance of the specified assets associated with the token of the other user to an account for managing the specified assets of the transfer destination user included in the transfer request information.

[0007] In the transfer control step, a portion of the balance of the specified assets associated with the token of another user, which is the amount indicated by the transfer request information, and the remaining amount of the specified assets associated with the token of the requesting user, which is the amount indicated by the transfer request information, may be controlled to be transferred to the account of the transfer destination user included in the transfer request information.

[0008] In the transfer control step, control may be performed so that a portion of the specified assets, the amount indicated by the transfer request information, is transferred from the balance of the specified assets associated with the token of another user to the requesting user, and the entire amount of the specified assets, the amount indicated by the transfer request information, is transferred from the balance of the specified assets associated with the token of the requesting user to the account of the transfer destination user included in the transfer request information.

[0009] The token may further be associated with a transfer method of the specified assets in the event that the balance of the specified assets associated with the token of the requesting user is less than the transfer amount included in the transfer request information, and in the transfer control step, based on the transfer method associated with the token, control may be performed to transfer an amount of the specified assets indicated in the transfer request information to an account for managing the specified assets of the transfer destination user included in the transfer request information from the sum of the balance of the specified assets associated with the token of the requesting user and the balance of the specified assets associated with the token of the other user.

[0010] When controlling the transfer of the specified assets from the balances of the requesting user and the other user to the balance of the transfer destination user in the transfer control step, the method may further include a balance adjustment step of adjusting the balance of the requesting user and the balance of the other user so that the entire balance of the requesting user and the amount of the specified assets transferred are an amount obtained by deducting the balance of the requesting user from the transfer amount included in the transfer request information.

[0011] When the specified assets are transferred from the balances of the requesting user and the other user to the balance of the transfer destination user in the transfer control step, the method may further include a balance adjustment step of adjusting the balance of the requesting user and the balance of the other user so that the specified assets are transferred from the balance of the requesting user to the balance of the other user so that the balance of the requesting user and the balance of the other user are equal.

[0012] When the specified assets are transferred from the balances of the requesting user and the other user to the balance of the transferee user in the transfer control step, the transfer control step may further include a balance adjustment step of adjusting the balance of the requesting user and the balance of the other user so that the amount transferred from the requesting user and the amount transferred from the other user are equal.

[0013] The method may further include a balance adjustment step of adjusting the balance of the requesting user and the balance of the other user so that, when the specified assets are transferred from the balances of the requesting user and the other user to the balance of the destination user in the transfer control step, the specified assets are transferred preferentially from users with higher priority.

[0014] In a second aspect of the program of the present invention, a computer is provided with a first acquisition step of acquiring transfer request information requesting a transfer of a predetermined asset; a second acquisition step of acquiring a token corresponding to predetermined identification information issued to a requesting user who requested the transfer of the asset related to the transfer request information, the token being associated with a balance of the predetermined asset held by the issued user; a first determination step of determining whether or not the predetermined asset can be transferred based on the balance of the predetermined asset associated with the token of the requesting user and a transfer amount included in the transfer request information; and, if it is determined in the first determination step that the predetermined asset cannot be transferred, issuing the token corresponding to the predetermined identification information to another user other than the requesting user. a third acquisition step of acquiring the token that has been acquired; a second determination step of determining whether or not the specified assets can be transferred based on the sum of the balance of the specified assets associated with the token of the requesting user and the balance of the specified assets associated with the token of the other user and the transfer amount included in the transfer request information; and a transfer control step of controlling, if it is determined in the second determination step that the specified assets can be transferred, to an account for managing the specified assets of the transfer destination user included in the transfer request information, in an amount indicated in the transfer request information, from the sum of the balance of the specified assets associated with the token of the requesting user and the balance of the specified assets associated with the token of the other user.

[0015] In an information processing device of a third aspect of the present invention, there is provided a first acquisition unit that acquires transfer request information requesting a transfer of a predetermined asset; a second acquisition unit that acquires a token corresponding to a predetermined identification information issued to a requesting user who requested the transfer of the asset related to the transfer request information, the token being associated with a balance of the predetermined asset held by the issued user; a first determination unit that determines whether or not the predetermined asset can be transferred based on the balance of the predetermined asset associated with the token of the requesting user and a transfer amount included in the transfer request information; and, when the first determination unit determines that the predetermined asset cannot be transferred, a second acquisition unit that acquires the token corresponding to the predetermined identification information and issued to another user different from the requesting user. a third acquisition unit that acquires the token; a second determination unit that determines whether the specified assets can be transferred based on the sum of the balance of the specified assets associated with the token of the requesting user and the balance of the specified assets associated with the token of the other user and the transfer amount included in the transfer request information; and a transfer control unit that, when the second determination unit determines that the specified assets can be transferred, controls the transfer of an amount of the specified assets indicated in the transfer request information from the sum of the balance of the specified assets associated with the token of the requesting user and the balance of the specified assets associated with the token of the other user to an account for managing the specified assets of the transfer destination user included in the transfer request information. Effect of the Invention

[0016] According to the present invention, a user's assets can be easily shared with specific users for use. [Brief description of the drawings]

[0017] [Figure 1] FIG. 1 is a diagram for explaining an overview of an information processing device 1. [Diagram 2] 1 is a block diagram showing a configuration of an information processing device 1 according to a first embodiment. [Diagram 3] 2 is a diagram illustrating an example of a data structure of a token T. [Figure 4]2 is a diagram illustrating an example of a data structure of a token T. [Diagram 5] 3 is a flowchart showing a process flow in the information processing device 1. [Figure 6] FIG. 11 is a block diagram showing a configuration of an information processing device 1A according to a second embodiment. [Figure 7] FIG. 13 is a diagram showing an example of a data structure of a token T in a modified example. [Figure 8] FIG. 13 is a diagram showing an example of a data structure of a token T in a modified example. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0018] <First embodiment> [Outline of Information Processing System S] FIG. 1 is a diagram for explaining an overview of an information processing system S. The information processing system S is a system for circulating a predetermined asset. One example of the predetermined asset is a digital currency issued by a central bank, a local government, a private company, or the like, which is limited to a region, community, or purpose in which it can be circulated. The information processing system S has an information processing device 1 and an information terminal 2.

[0019] The information processing device 1 is a device for managing a specific asset held by a user. The information processing device 1 manages a specific asset held by a user using a token T recorded in a blockchain B. The information processing device 1 may be a node participating in the blockchain B, or may refer to the token T via a node that can access the blockchain B.

[0020] Token T is a token unique to the user to which it is issued. As an example, token T is a Soul Bound Token that cannot be transferred to anyone other than the user to which it is issued. Token T is a token for managing a specific asset held by each user to which it is issued. Token T is associated with the balance of a specific asset held by the user. As an example, token T may be associated with a wallet for managing assets, or may include information indicating the balance of assets.

[0021] The information terminal 2 is a terminal used by a user who owns a specific asset. The information terminal 2 is, for example, a smartphone, a tablet, or a personal computer. The information terminal 2 cooperates with the information processing device 1, displays a screen for the user to manage the specific asset, and transmits a request to the information processing device 1 to transfer the specific asset in response to an operation by the user.

[0022] It is highly convenient for users if they can share certain assets they own with specific users. For this reason, certain identification information is associated with the token T. The certain identification information is an ID (Identification) for identifying users who can share the certain assets. One example of the certain identification information is a benefit ID. The benefit ID is an ID that identifies the benefit provided.

[0023] The processing in the information processing system S will be described. The information processing device 1 acquires transfer request information ((1) in FIG. 1). The transfer request information is information sent to request the transfer of a specified asset. The transfer request information includes the token ID of the requesting user, the token ID of the transfer destination user, and the amount of the specified asset to be transferred (hereinafter referred to as the "transfer amount"). Note that, hereinafter, the token ID may be referred to as token identification information. The requesting user is the user requesting the transfer of the specified asset. The transfer destination user is the user to whom the specified asset is to be transferred.

[0024] The information processing device 1 acquires the token T1 issued to the requesting user ((2) in FIG. 1). The information processing device 1 determines whether the specified asset can be transferred based on the balance of the specified asset associated with the token T1 of the requesting user and the transfer amount included in the transfer request information ((3) in FIG. 1). Specifically, the information processing device 1 determines that the specified asset can be transferred when the balance of the specified asset of the requesting user is equal to or greater than the transfer amount, and determines that the specified asset cannot be transferred when the balance of the specified asset of the requesting user is less than the transfer amount.

[0025] When the information processing device 1 determines that the predetermined asset cannot be transferred, it acquires another token T2 corresponding to the predetermined identification information ((4) in FIG. 1). The information processing device 1 acquires the balance of the predetermined asset associated with the token T2.

[0026] The information processing device 1 adds up the balance associated with token T1 and the balance associated with token T2, and determines whether or not a transfer of a specified asset of the transfer amount indicated by the transfer request information is possible ((5) in FIG. 1). If it determines that the specified asset is transferable after adding up the balances, the information processing device 1 transfers the specified asset from the balances associated with token T1 and token T2 to the account of the transfer destination user ((6) in FIG. 1). The transfer destination user's account is, for example, a wallet associated with token T held by the transfer destination user.

[0027] By configuring the information processing system S in this way, it becomes possible for a user to share and use assets owned by the user with specific users.

[0028] [Configuration of information processing device 1] 2 is a block diagram showing the configuration of the information processing device 1. The information processing device 1 has a communication unit 11, a storage unit 12, and a control unit 13. The control unit 13 has a first acquisition unit 131, a second acquisition unit 132, a first determination unit 133, a third acquisition unit 134, a second determination unit 135, a relocation control unit 136, and a display control unit 137.

[0029] The communication unit 11 is a communication interface for transmitting and receiving data to and from other devices via a network. The storage unit 12 is a storage medium including a ROM (Read Only Memory), a RAM (Random Access Memory), an SSD (Solid State Drive), a hard disk drive, etc. The storage unit 12 stores in advance a program to be executed by the control unit 13.

[0030] The control unit 13 is a processor such as a CPU (Central Processing Unit). The control unit 13 executes a program stored in the storage unit 12, thereby functioning as a first acquisition unit 131, a second acquisition unit 132, a first determination unit 133, a third acquisition unit 134, a second determination unit 135, a relocation control unit 136, and a display control unit 137.

[0031] The first acquisition unit 131 acquires transfer request information for requesting the transfer of a predetermined asset. The first acquisition unit 131 acquires the transfer request information from the information terminal 2 of a user who requests the transfer of the predetermined asset.

[0032] The second acquisition unit 132 acquires a token T2 corresponding to predetermined identification information associated with the token T1 issued to the requesting user. FIG. 3 is a diagram showing an example of the data structure of the token T. As shown in FIG. 3, the token T is associated with a "token ID", "issuer", "holder", "benefit ID", and "wallet". The second acquisition unit 132 may acquire the token T issued to the transfer destination user. As will be described later, the token T may include the balance of a predetermined asset held by the user.

[0033] "Token ID" is a token ID for identifying the token. "Issuer" is information indicating the issuer that issued the token. "Issuer" may include the ID or name of the issuer that issued the token. "Holder" is an ID for identifying the holder who holds the token. "Benefit ID" is an ID for identifying the benefit paid. "Wallet" indicates the ID of a wallet for managing a specific asset linked to the token. The wallet is a wallet for managing a specific asset held by a user recorded in blockchain B. Note that part of the information held by token T (e.g., benefit ID) may be stored outside token T. In this case, token T includes a URI (Universal Resource Identifier) ​​for accessing information stored outside token T.

[0034] The first determination unit 133 determines whether or not the specified asset can be transferred based on the balance of the specified asset associated with the requesting user's token T and the transfer amount included in the transfer request information. The first determination unit 133 determines that the transfer of the specified asset based on the transfer request information is possible when the balance associated with the requesting user's token T is equal to or greater than the transfer amount included in the transfer request information. The first determination unit 133 determines that the transfer based on the transfer request information is not possible when the balance associated with the requesting user's token T is less than the transfer amount included in the transfer request information.

[0035] When the first determination unit 133 determines that the predetermined assets are transferable, the transfer control unit 136 controls the transfer of the predetermined assets of the requesting user to the transfer destination user. Specifically, the transfer control unit 136 causes the blockchain B to record the transfer of the assets so that the predetermined assets of the transfer amount indicated by the transfer request are transferred from the balance of the wallet associated with the token T1 of the requesting user to the balance of the wallet associated with the token T2 of the transfer destination user. The transfer control unit 136 may instruct a node that can access the blockchain B to record the transfer of the above-mentioned assets.

[0036] When the first determination unit 133 determines that the predetermined assets cannot be transferred, the third acquisition unit 134 acquires the balance of the predetermined assets associated with the token T2, which is a token corresponding to the predetermined identification information and is issued to a user other than the requesting user. The third acquisition unit 134 acquires the token T2 issued to a user other than the requesting user by referring to the blockchain B. The token T2 is associated with a benefit ID corresponding to the token T1 issued to the requesting user. The corresponding benefit IDs are, for example, the same benefit ID, or benefit IDs belonging to the same group (for example, the same group ID when the benefit ID is composed of a group ID and a branch number, etc.). The third acquisition unit 134 acquires the balance of the predetermined assets associated with the token T2.

[0037] The second determination unit 135 determines whether or not the predetermined asset can be transferred based on the total value of the balance of the predetermined asset associated with the token T1 of the requesting user and the balance of the predetermined asset associated with the token T2 of the other user, and the transfer amount included in the transfer request information. The second determination unit 135 sums the balance of the predetermined asset associated with the token T1 and the balance of the predetermined asset associated with the token T2 to calculate the total balance value. If the calculated total balance value is equal to or greater than the transfer amount included in the transfer request information, the second determination unit 135 determines that the balances can be added together to transfer the predetermined asset. If the calculated total balance value is less than the transfer amount included in the transfer request information, the second determination unit 135 determines that the balances cannot be added together to transfer the predetermined asset.

[0038] When the second determination unit 135 determines that the predetermined assets are transferable, the transfer control unit 136 controls the transfer of the predetermined assets indicated by the transfer request information to an account for managing the predetermined assets of the transfer destination user included in the transfer request information from the sum of the balance of the predetermined assets associated with the token T1 of the requesting user and the balance of the predetermined assets associated with the token T2 of the other user. The transfer control unit 136 calculates the transfer amount to be transferred from each user, and records the transfer of the predetermined assets in the blockchain B so that the transfer amount of the predetermined assets calculated for each user is transferred from the balance of the wallet associated with each of the tokens T1 and T2 to the balance of the wallet associated with the token T of the transfer destination user. As an example, the transfer control unit 136 sets the entire balance of the requesting user as the transfer amount of the requesting user, and calculates the amount obtained by subtracting the balance of the requesting user from the transfer amount indicated by the transfer request information as the transfer amount of the other user.

[0039] The transfer control unit 136 may calculate the transfer amount between the requesting user and the other user by various methods as described below. Also, the transfer control unit 136 may transfer a specific asset of the other user directly to the transfer destination user as described below, or may transfer the specific asset to the transfer destination user via the requesting user's wallet.

[0040] If the second judgment unit 135 determines that the balances cannot be added up and the specified assets cannot be transferred, the display control unit 137 may cause the information terminal 2 to display a screen indicating that the specified assets cannot be transferred.

[0041] By configuring the information processing device 1 in this way, it becomes possible for a user to easily share and use assets owned by the user with specific users.

[0042] The information processing device 1 may be configured to transfer a predetermined asset directly from another user to a transfer destination user.

[0043] The transfer control unit 136 controls to transfer a part of the predetermined assets, the amount indicated by the transfer request information, from the balance of the predetermined assets associated with the token T2 of the other user to the account of the transfer destination user. As an example, the transfer control unit 136 calculates the transfer amount to be transferred from the other user by subtracting the transfer amount of the requesting user calculated based on the balances associated with the tokens T1 and T2 and the transfer amount indicated by the transfer request information, and transfers the calculated transfer amount of the other user from the wallet associated with the token T2 to the account of the transfer destination user.

[0044] The transfer control unit 136 controls the transfer of the remaining predetermined assets, which is obtained by subtracting the transfer amount of other users from the amount indicated in the transfer request information from the balance of the predetermined assets associated with the token T1 of the requesting user, to the account of the transfer destination user included in the transfer request information. The transfer control unit 136 transfers the calculated transfer amount of the predetermined assets of the requesting user from the wallet associated with the token T1 of the requesting user.

[0045] The information processing device 1 may be configured to transfer a predetermined asset from another user's wallet via the requesting user's wallet.

[0046] The transfer control unit 136 transfers a portion of the predetermined assets, the amount indicated by the transfer request information, from the balance of the predetermined assets associated with the token T2 of the other user to the requesting user. As an example, the transfer control unit 136 controls to transfer a portion of the transfer amount indicated by the transfer request information from the wallet associated with the token T2 of the other user to the wallet associated with the token T1 of the requesting user. As an example, the transfer control unit 136 calculates the transfer amount to be transferred from the other user, and controls to transfer the calculated transfer amount of the predetermined assets from the wallet associated with the token T2 of the other user to the wallet associated with the token T1 of the requesting user.

[0047] The transfer control unit 136 controls the transfer of all of the specified assets, in the amount indicated by the transfer request information, from the balance of the specified assets associated with the token of the requesting user to the account of the transfer destination user included in the transfer request information.

[0048] This configuration makes it possible to prevent assets from being transferred from users other than direct trading partners, and as a result, the recipient user does not need to be aware of other users' wallets.

[0049] The information processing device 1 may be configured to calculate the transfer amount to be transferred from each user based on the transfer method associated with the token T.

[0050] The token is further associated with a transfer method of the specified assets in the case where the balance of the specified assets associated with the token of the requesting user is less than the transfer amount included in the transfer request information. As an example, as shown in FIG. 3(b), in this case, the token T is further associated with a "transfer method." The "transfer method" is information indicating how the assets of the requesting user and each of the other users are to be transferred to the transfer destination user. As an example, in the token T, information such as "payer priority," "equal balance," "equal allocation amount," and "priority" is associated with the transfer method of the specified assets.

[0051] Figure 4 is a diagram showing an example of the transfer of a predetermined asset in each transfer method. In Figure 4, it is assumed that before the transfer, the requesting user and the other user hold the predetermined asset of "500 coins" and "1000 coins", respectively, and the transfer amount indicated by the transfer request information is "800 coins."

[0052] "Settler priority" indicates that the entire balance of the requesting user is transferred to the transfer destination user, and the shortfall in the balance of the requesting user compared to the transfer amount is transferred from another user. That is, the transfer control unit 136 calculates the entire balance of the requesting user as the transfer amount of the requesting user, and calculates the transfer amount of the other users by subtracting the balance of the requesting user from the transfer amount included in the transfer request information.

[0053] "Equal balance" indicates that the transfer amount of the specified assets of each user is calculated so that the balances of the requesting user and other users are equal after the transfer of the specified assets. That is, in the case of "equal balance", the transfer control unit 136 subtracts the transfer amount indicated by the transfer request information from the total balance of each user to calculate the total balance after the transfer. The transfer control unit 136 calculates a value by apportioning the calculated total balance after the transfer by the number of users participating as the transfer sources (the number of wallets of the payment source, "2" in FIG. 4), and calculates the transfer amount so that the calculated value becomes the balance after the transfer of each user. That is, in the case of "equal balance", the balance of either the requesting user or other users may be increased from the balance before the transfer.

[0054] In the case of "equal allocation amount," the transfer control unit 136 calculates the transfer amount indicated by the transfer request information divided proportionately by the number of users participating as transfer sources (number of wallets from which payments are made) as the transfer amount to be transferred from each user's wallet. In the case of "priority," information indicating the priority of payment is associated with the token T. The transfer control unit 136 calculates the transfer amount so that a specified asset is preferentially transferred from the wallet of a user with a high priority. Note that, if the balance of one user is insufficient for the transfer amount, the transfer control unit 136 may transfer the shortfall from the other user.

[0055] The transfer control unit 136 controls the transfer of the amount of the predetermined asset indicated by the transfer request information from the sum of the balance of the predetermined asset associated with the token T1 of the requesting user and the balance of the predetermined asset associated with the tokens of the other users to an account for managing the predetermined asset of the transfer destination user included in the transfer request information based on the transfer method associated with the token. The transfer control unit 136 calculates the amount of the predetermined asset to be transferred from the wallets of the requesting user and the other users based on the balance of the predetermined asset associated with the tokens T1 and T2 and the transfer method associated with the token T1 of the requesting user. The transfer control unit 136 transfers the calculated amount of the predetermined asset for each user from the wallets associated with the tokens T1 and T2 of each user to the account of the transfer destination user.

[0056] By configuring the information processing device 1 in this way, it is possible to flexibly determine the amount to be appropriated from the balance of each user when the balance is insufficient for the transfer amount.

[0057] [Processing flow in information processing device 1] Fig. 5 is a flowchart showing the flow of processing in the information processing device 1. The flowchart in Fig. 5 starts from the point in time when a transfer request is obtained.

[0058] The first acquisition unit 131 acquires transfer request information (S01). The second acquisition unit 132 acquires a token T1 of the requesting user included in the transfer request information (S02).

[0059] The first determination unit 133 determines whether the specified assets are transferable based on the balance of the specified assets associated with the token T1 of the requesting user and the transfer amount included in the transfer request information (S03). If it is determined that the specified assets are transferable (YES in S03), the specified assets of the transfer amount indicated in the transfer request are transferred from the balance of the specified assets associated with the token T1 of the requesting user to the account of the transfer destination user (S04). Then, the information processing device 1 ends the process.

[0060] When it is determined that the predetermined asset cannot be transferred (NO in S03), the second determination unit 135 acquires the token T2 of the other user corresponding to the predetermined identification information included in the token T1 (S05). The second determination unit 135 sums the balance associated with the token T1 and the balance associated with the token T2 to determine whether the predetermined asset indicated by the transfer request information can be transferred (S06).

[0061] When it is determined that the predetermined assets cannot be transferred (NO in S06), the display control unit 137 causes the information terminal 2 to display a screen indicating that the predetermined assets cannot be transferred (S07). When it is determined that the predetermined assets can be transferred (YES in S06), the predetermined assets are transferred from the balances associated with the tokens T1 and T2 to the transfer destination user's account (S08). Then, the information processing device 1 ends the process.

[0062] <Second embodiment> The information processing device 1 may be configured to adjust the balances of the requesting user and other users when the transfer control unit 136 transfers specified assets from the balances of the requesting user and other users to the balance of the transferee user. The configuration of the information processing device 1A in this case is shown in Figure 6. The information processing device 1A further has a balance adjustment unit 138.

[0063] The balance adjustment unit 138 adjusts the balance before or after the transfer based on the balance of each of the requesting user and other users, the transfer amount indicated by the transfer request information, and the transfer method associated with the token T of the requesting user or other users.

[0064] When the transfer method is "settler priority", the balance adjustment unit 138 adjusts the balance of the requesting user and the balance of the other user so that the following predetermined assets are transferred: (1) the entire balance of the requesting user, and (2) the balance of the other user obtained by subtracting the balance of the requesting user from the transfer amount included in the transfer request information. As an example, the balance adjustment unit 138 may transfer the entire balance of the requesting user to the other user after the transfer of the predetermined assets, or may adjust the balance before the transfer so that the amount obtained by subtracting the balance of the requesting user from the transfer amount included in the transfer request information is transferred to the balance of the requesting user.

[0065] In the case where the transfer method is "equal balance", when the transfer control unit 136 transfers specified assets from the balances of the requesting user and the other users to the balance of the transfer destination user, the balance adjustment unit 138 adjusts the balance of the requesting user and the balance of the other users so that the amount transferred from the requesting user and the amount transferred from the other users are equal. The balance adjustment unit 138 determines the post-transfer balance of each user so that the post-transfer balances of the requesting user and the other users are equal, and transfers specified assets from one of the requesting user and the other users to the other so as to achieve the determined balance.

[0066] When the transfer method is "equal allocation amount", the balance adjustment unit 138 adjusts the balance of the requesting user and the balance of the other users so that the transfer amount from the requesting user and the transfer amount from the other users are equal. For example, when the transfer control unit 136 preferentially allocates from the balance of the requesting user, the balance adjustment unit 138 transfers the amount transferred from each user's balance that exceeds the value obtained by apportioning the transfer amount indicated by the transfer request information by the number of users participating as transfer sources (the number of payment source wallets) (hereinafter referred to as the "excess transfer amount") to the balance of the user who has transferred in excess of the apportioned value from the other user. In this case, if the balance of the other user is less than the excess transfer amount, the balance adjustment unit 138 transfers the entire balance of the other user to the balance of the user who has transferred in excess of the apportioned value.

[0067] In the case where the transfer method is "priority order", when the transfer control unit 136 transfers predetermined assets from the balances of the requesting user and other users to the balance of the transfer destination user, the balance adjustment unit 138 adjusts the balance of the requesting user and the balance of the other users so that the predetermined assets are preferentially transferred from the user with higher priority. For example, when the transfer control unit 136 allocates the balance of the requesting user with priority and the token T indicates that the other user has a higher priority than the requesting user, the balance adjustment unit 138 transfers predetermined assets from the balance of the other user (higher priority user) to the balance of the requesting user (lower priority user) up to the transfer amount transferred by the other user.

[0068] By configuring the information processing device 1A in this way, even when users share a balance, it is possible to transfer a predetermined asset according to a predetermined rule.

[0069] <Variation 1> The information processing device 1 may be configured to further determine whether the asset can be transferred. The data structure of the token T in this case is shown in Fig. 7. The token T shown in Fig. 7 further includes a "transferable token ID." The "transferable token ID" indicates the token ID of a counterparty to which a specified asset can be transferred.

[0070] The first determination unit 133 determines whether or not the user is capable of transferring a predetermined asset based on whether or not the transferable token ID associated with the token T of the requesting user matches the token ID of the transferee user. When the first determination unit 133 determines that the user is capable of transferring based on the transferable token ID, it determines whether or not the predetermined asset can be transferred based on the balance of the predetermined asset associated with the token T of the requesting user and the transfer amount included in the transfer request information. When it is determined that the user is not capable of transferring based on the transferable token ID, the display control unit 137 causes the information terminal 2 to display a screen indicating that the predetermined asset cannot be transferred. Note that, in the token T, a group indicating whether or not the predetermined asset can be transferred is associated instead of the "transferable token ID", and the first determination unit 133 may determine whether or not the transfer is possible based on whether or not the group associated with the token T matches.

[0071] <Variation 2> In the above example, a wallet is associated with the token T, but the token T may include the balance of assets held by the user. In this case, the token T includes a "balance" instead of a "wallet" as shown in FIG. 8. The "balance" indicates the balance of a specified asset managed in the token T.

[0072] When transferring a specified asset, the transfer control unit 136 issues a token T obtained by subtracting the amount to be transferred from each user from the balance of the specified asset of each user associated with the tokens of the requesting user and the other user, by associating it with the requesting user and the other user, and recording it in the blockchain B. The transfer control unit 136 also controls to issue a token obtained by adding the transfer amount to the balance of the specified asset associated with the token of the transfer destination user, by associating it with the transfer destination user, and recording it in the blockchain B. When the token T associated with the new balance is issued, the transfer control unit 136 invalidates each token before the transfer.

[0073] Furthermore, this invention will make it possible to contribute to Goal 9 of the United Nations' Sustainable Development Goals (SDGs), which is to "build resilient infrastructure, promote industry, innovation and infrastructure."

[0074] Although the present invention has been described above using the embodiments, the technical scope of the present invention is not limited to the scope described in the above embodiments, and various modifications and changes are possible within the scope of the gist of the present invention. For example, all or part of the device can be configured by distributing or integrating functionally or physically in any unit. In addition, new embodiments resulting from any combination of multiple embodiments are also included in the embodiments of the present invention. The effect of the new embodiment resulting from the combination combines the effect of the original embodiment. [Explanation of symbols]

[0075] 1. Information processing device 2. Information terminal 11 Communications Department 12 Storage section 13 Control section 131 First acquisition part 132 Second Acquisition Department 133 1st Judgment Department 134 Third Acquisition Department 135 Second Judgment Section 136 Relocation Control Section 137 Display control section 138 Balance Adjustment Department

Claims

1. The computer executes A first acquisition step of acquiring transfer request information requesting a transfer of a predetermined asset; a second acquisition step of acquiring a first token, the first token corresponding to a predetermined identification information issued to a requesting user who has requested the transfer of assets related to the transfer request information, the first token being a token unique to the issuing user that is issued for the purpose of managing the predetermined assets, and the first token being a token associated with a balance of the predetermined assets held by the issuing user; a first determination step of determining whether or not the specified asset can be transferred based on a balance of the specified asset associated with the first token and a transfer amount included in the transfer request information; a third acquisition step of acquiring a second token, when it is determined in the first determination step that the specified assets cannot be transferred, the second token being a token corresponding to the specified identification information, being a token unique to an issued user that is issued for managing the specified assets, being a token associated with a balance of the specified assets held by the issued user, and being a token issued to a user other than the requesting user; a second determination step of determining whether or not the specified asset can be transferred based on a total value of a balance of the specified asset associated with the first token and a balance of the specified asset associated with the second token and a transfer amount included in the transfer request information; a transfer control step for controlling, when it is determined in the second determination step that the specified assets are transferable, to transfer an amount of the specified assets indicated by the transfer request information from the sum of the balance of the specified assets associated with the first token and the balance of the specified assets associated with the second token to an account for managing the specified assets of a transfer destination user included in the transfer request information, the transfer control step for controlling to issue a third token and a fourth token, which are tokens obtained by subtracting the amount of assets to be transferred to the transfer destination user from the balance of the assets associated with the first token and the second token, respectively, to the requesting user and the other user, and to invalidate the first token and the second token; An information processing method comprising the steps of:

2. In the transfer control step, a part of the balance of the predetermined asset associated with the second token, which is an amount indicated by the transfer request information, and a remaining part of the balance of the predetermined asset associated with the first token, which is an amount indicated by the transfer request information, are controlled to be transferred to the account of a transfer destination user included in the transfer request information. The information processing method according to claim 1 .

3. In the transfer control step, a part of the predetermined assets, an amount indicated by the transfer request information, is transferred from the balance of the predetermined assets associated with the second token to the requesting user, and the entire amount of the predetermined assets, an amount indicated by the transfer request information, is transferred from the balance of the predetermined assets associated with the first token to the account of the transfer destination user included in the transfer request information. The information processing method according to claim 1 .

4. The first token is further associated with a transfer method of the predetermined asset when a balance of the predetermined asset associated with the first token is less than a transfer amount included in the transfer request information; In the transfer control step, based on a transfer method associated with the first token, a control is performed so that an amount of the specified asset indicated in the transfer request information is transferred from a sum of a balance of the specified asset associated with the first token and a balance of the specified asset associated with the second token to an account for managing the specified asset of a transfer destination user included in the transfer request information. The information processing method according to claim 1 .

5. When controlling the transfer of the specified assets from the balance of the requesting user associated with the first token and the balance of the other user associated with the second token to the balance of the transfer destination user in the transfer control step, the method further includes a balance adjustment step of adjusting the balance of the requesting user and the balance of the other user so that the specified assets are transferred in an amount obtained by subtracting the balance of the requesting user from the transfer amount included in the transfer request information, out of the entire balance of the requesting user and the balance of the other user. The information processing method according to claim 1 .

6. When the predetermined assets are transferred from the balance of the requesting user associated with the first token and the balance of the other user associated with the second token to the balance of the transferee user in the transfer control step, the method further comprises a balance adjustment step of adjusting the balance of the requesting user and the balance of the other user so that the predetermined assets are transferred from the balance of the requesting user to the balance of the other user so that the balance of the requesting user and the balance of the other user are equal. The information processing method according to claim 1 .

7. The method further includes a balance adjustment step of adjusting the balance of the requesting user and the balance of the other user so that the transfer amount from the requesting user and the transfer amount from the other user are equal when the predetermined assets are transferred from the balance of the requesting user associated with the first token and the balance of the other user associated with the second token to the balance of the transfer destination user in the transfer control step. The information processing method according to claim 1 .

8. a balance adjustment step of adjusting the balance of the requesting user and the balance of the other user so that the predetermined assets are preferentially transferred from a user with a higher priority when the predetermined assets are transferred from the balance of the requesting user associated with the first token and the balance of the other user associated with the second token to the balance of the transferee user in the transfer control step; The information processing method according to claim 1 .

9. The predetermined identification information is benefit identification information for identifying the benefit paid. The information processing method according to claim 1 .

10. On the computer, A first acquisition step of acquiring transfer request information requesting a transfer of a predetermined asset; a second acquisition step of acquiring a first token, the first token corresponding to a predetermined identification information issued to a requesting user who has requested the transfer of assets related to the transfer request information, the first token being a token unique to the issuing user that is issued for the purpose of managing the predetermined assets, and the first token being a token associated with a balance of the predetermined assets held by the issuing user; a first determination step of determining whether or not the specified asset can be transferred based on a balance of the specified asset associated with the first token and a transfer amount included in the transfer request information; a third acquisition step of acquiring a second token, when it is determined in the first determination step that the specified assets cannot be transferred, the second token being a token corresponding to the specified identification information, being a token unique to an issued user that is issued for managing the specified assets, being a token associated with a balance of the specified assets held by the issued user, and being a token issued to a user other than the requesting user; a second determination step of determining whether or not the specified asset can be transferred based on a total value of a balance of the specified asset associated with the first token and a balance of the specified asset associated with the second token and a transfer amount included in the transfer request information; a transfer control step for controlling, when it is determined in the second determination step that the specified assets are transferable, to transfer an amount of the specified assets indicated by the transfer request information from the sum of the balance of the specified assets associated with the first token and the balance of the specified assets associated with the second token to an account for managing the specified assets of a transfer destination user included in the transfer request information, the transfer control step for controlling to issue a third token and a fourth token, which are tokens obtained by subtracting the amount of assets to be transferred to the transfer destination user from the balance of the assets associated with the first token and the second token, respectively, to the requesting user and the other user, and to invalidate the first token and the second token; A program that executes the following.

11. a first acquisition unit that acquires transfer request information for requesting a transfer of a predetermined asset; a second acquisition unit that acquires a first token, the first token corresponding to a predetermined identification information issued to a requesting user who has requested the transfer of assets related to the transfer request information, the first token being a token unique to the issued user that is issued in order to manage the predetermined assets, and the first token being a token associated with a balance of the predetermined assets held by the issued user; a first determination unit that determines whether or not the specified asset can be transferred based on a balance of the specified asset associated with the first token and a transfer amount included in the transfer request information; a third acquisition unit that acquires, when the first determination unit determines that the specified assets cannot be transferred, a second token that corresponds to the specified identification information, is issued for managing the specified assets, is unique to an issued user, is associated with a balance of the specified assets held by the issued user, and is issued to a user other than the requesting user; and a second determination unit that determines whether or not the specified asset can be transferred based on a sum of a balance of the specified asset associated with the first token and a balance of the specified asset associated with the second token and a transfer amount included in the transfer request information; a transfer control unit that controls, when the second determination unit determines that the specified assets are transferable, to transfer an amount of the specified assets indicated by the transfer request information from the sum of the balance of the specified assets associated with the first token and the balance of the specified assets associated with the second token to an account for managing the specified assets of a transfer destination user included in the transfer request information, and issues a third token and a fourth token to the requesting user and the other user, respectively, which are tokens obtained by subtracting the amount of assets to be transferred to the transfer destination user from the balance of the assets associated with the first token and the second token, respectively, and controls to invalidate the first token and the second token; An information processing device having the above configuration.

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