Information processing system, information processing method, and information processing program

Abstract

This invention provides an information processing system, information processing method, and information processing program that match Web2 payment data and Web3 transactions in real time using network identification information as a key, enabling cryptocurrency payments, KYC / AML, and the generation of related data. [Solution] The system includes a user terminal equipped with a wallet for managing crypto assets, a server that receives network identification information and POS data acquired when a payment is made using crypto assets at a POS terminal, retrieves crypto asset transactions from the blockchain network, matches the POS data and transactions in real time using the network identification information as a key, verifies and approves the matching result, and sends a settlement request to the user terminal, and a settlement wallet that, based on the settlement request, sends crypto assets from the user terminal's wallet to the settlement wallet, and the settlement wallet converts the crypto assets into fiat currency and settles the transaction.

Description

Technical Field

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

Background Art

[0002] In recent years, cryptocurrency settlement in the Web3 environment using blockchain technology has attracted attention. Web3 ensures reliability and transparency using a distributed ledger, but integration with conventional Web2-based settlement systems is an issue.

[0003] Patent Document 1 discloses a technique for integrating Web1, Web2, and Web3 authentication with each other to enable cryptocurrency settlement on an e-commerce site. Patent Document 2 generates an account evaluation value based on transaction history and SNS (Social Network System) reputation.

Prior Art Documents

Patent Documents

[0004]

Patent Document 1

Patent Document 2

Summary of the Invention

Problems to be Solved by the Invention

[0005] Conventional blockchain payment systems have been limited to use within e-commerce sites and applications, and have lacked sufficient integration with in-store payments using physical cards or smartphones. Patent Document 1 enables payments on e-commerce sites by linking multiple authentication pieces of information, but does not disclose a method for linking users' in-store payment actions with blockchain transactions in real time. Patent Document 2 focuses on account evaluation value generation and does not disclose payment methods that link Web2 and Web3 payments, nor does it describe real-time data matching using network identification information such as IP addresses, NFC data exchange, or settlement processes using Merkle trees. A payment system using stablecoins proposes wallet screening and regional revitalization utilizing non-fungible tokens (NFTs), but does not disclose real-time matching using network identification information or data exchange in mobile terminal / card payments such as smartphones.

[0006] Furthermore, with conventional technologies, it was difficult to automatically and reliably acquire and associate physical and network information at the time of payment when linking Web2 payment data such as POS data with Web3 transactions. As a result, it was not possible to manage the location and time of payment in conjunction with blockchain transactions, which limited audits for anti-money laundering (AML) and counter-terrorism financing (CFT), the use of marketing data for loyalty programs using NFTs, and regional revitalization initiatives such as hometown tax donations.

[0007] In view of the above problems, the present invention aims to provide an information processing system, information processing method, and information processing program that can be used for auditing, Know Your Customer (KYC) / AML, and marketing data utilization via NFTs, while complying with laws and regulations, by matching Web2 payment data and Web3 wallet information in real time using network identification information as a key and centrally managing them in a highly reliable manner. [Means for solving the problem]

[0008] A first aspect of the present invention is an information processing system comprising: a user terminal equipped with a wallet for managing crypto assets; a server that receives network identification information and POS data acquired from the user terminal when a payment is made using crypto assets at a POS terminal, obtains crypto asset transactions from the blockchain network, matches the POS data and transactions in real time using the network identification information as a key, verifies and approves the matching result, and sends a settlement request to the user terminal; and a settlement wallet that, based on the settlement request, receives crypto assets from the wallet on the user terminal, converts the crypto assets into fiat currency, and settles the transaction.

[0009] In a first embodiment of the present invention, the network identification information may be an IP address, a device ID, a MAC address, or location information.

[0010] In a first embodiment of the present invention, the clearing wallet may perform verification processing using a Merkle tree.

[0011] In a first embodiment of the present invention, the clearing wallet may perform a redemption process that is automatically executed by a smart contract.

[0012] In a first embodiment of the present invention, the user terminal is a mobile terminal, and the POS terminal is equipped with an NFC reader, a QR code (registered trademark) scanner, or an IC chip reader. At the time of payment, the wallet transmits card information to the POS terminal, the POS terminal transmits a transaction ID to the wallet, and at the same time, the identification information acquisition unit may acquire the network identification information of the user terminal.

[0013] In a first embodiment of the present invention, a wallet screening server may be further provided, which screens the transaction history of a wallet address and generates a risk score.

[0014] In a first aspect of the present invention, an NFT management server for managing NFTs associated with POS data may be further provided.

[0015] A second aspect of the present invention is an information processing method, comprising an information processing system including a user terminal equipped with a wallet for managing crypto assets, a server that matches Web2 payment data with Web3 transactions, and a clearing wallet that cooperates with a crypto asset exchange and performs exchange processing based on market rates, wherein the computer, when a crypto asset is settled at a POS terminal using the user terminal, performs the following steps: acquiring network identification information and POS data; acquiring crypto asset transactions from the blockchain network; matching POS data and transactions in real time using the network identification information as a key; verifying and approving the result of matching POS data and transactions; sending a clearing request to the user terminal's wallet, causing the wallet to send crypto assets to the clearing wallet, and the clearing wallet exchanging the crypto assets for fiat currency and clearing the transaction.

[0016] A third aspect of the present invention is an information processing program for an information processing system comprising a user terminal equipped with a wallet for managing crypto assets, a server that matches Web2 payment data with Web3 transactions, and a clearing wallet that cooperates with a crypto asset exchange and performs exchange processing based on market rates, wherein the computer is equipped with the following functions: to acquire network identification information and POS data when crypto asset payment is made at a POS terminal using the user terminal; to acquire crypto asset transactions from the blockchain network; to match POS data and transactions in real time using the network identification information as a key; to verify and approve the result of matching POS data and transactions; and to send a clearing request to the wallet on the user terminal, to have the wallet send crypto assets to the clearing wallet, and to have the clearing wallet exchange the crypto assets for fiat currency and clear the transaction.

[0017] According to the present invention, it is possible to link users' real-world payment behavior with blockchain transactions using network identification information, and to provide an information processing system, information processing method, and information processing program that can be used for auditing, KYC / AML, and marketing data utilization while complying with laws and regulations. [Brief explanation of the drawing]

[0018] [Figure 1] This is a schematic diagram showing the configuration of the information processing system 10 according to this embodiment. [Figure 2] This is a block diagram showing an example of the configuration and functionality of the second server. [Figure 3] This is a block diagram showing an example of a user terminal's functional section. [Figure 4] This is a block diagram showing an example of the functional section of the first server. [Figure 5] This is a block diagram showing an example of the functional section of the third server. [Figure 6] This is a block diagram showing an example of the functional section of a clearing wallet. [Figure 7]It is a block diagram showing an example of the functional parts of a card system. [Figure 8] It is a flowchart for explaining the information processing method according to the present embodiment.

Embodiments for Carrying Out the Invention

[0019] Next, embodiments of the present invention will be described with reference to the drawings. In the description of the drawings according to the embodiments, the same or similar parts are denoted by the same or similar reference numerals. However, it should be noted that the drawings are schematic, and the relationships such as the relationship with the planar dimensions are different from the actual ones. Therefore, specific dimensions should be determined in consideration of the following description. Of course, the drawings also include parts where the relationships and ratios of the dimensions to each other are different.

[0020] Furthermore, the embodiments exemplify devices and methods for embodying the technical idea of the present invention, and the technical idea of the present invention does not specify the configuration, arrangement, layout, etc. of each component as the following. The technical idea of the present invention can be variously modified within the technical scope defined by the claims described in the claims.

[0021] (First Embodiment) The information processing system according to the present embodiment can perform real-time matching of payment data of Web2 payment and transactions of Web3 using network identification information such as IP addresses as keys, enable payment using cryptocurrency, and generate related data that can utilize marketing data by KYC / AML and NFT. The information processing system according to the present embodiment is applicable to local creation such as Buy Now Pay Later (BNPL), credit cards, debit cards, prepaid cards, local currencies, IoT device payments, O2O (Online to Offline) services, advertising targeting, hometown tax payment, and stamp rallies. The information processing system according to the present embodiment supports both smartphone payments (NFC, QR code (registered trademark)) and card payments (physical / virtual cards).

[0022] In the following, we will describe in detail specific examples of the information processing system according to this embodiment, including its application to BNPL payment using a user's mobile terminal and instant payment using a physical card. The BNPL payment described in the following embodiments is a credit-backed BNPL payment using cryptocurrency with a mobile terminal, which enables a deferred payment in Japanese yen using cryptocurrency that the user has pre-charged into a wallet installed on their mobile terminal as collateral.

[0023] In this embodiment, this deferred payment settlement is realized through the collaboration of multiple companies, such as a Bean (BIN) sponsor company, a card issuer, a brand company, and an auditing company, but this is just one example and is not limited to this. Here, a Bean sponsor refers to a company that has a license to issue credit cards and provides some of the functions of the first server 13. A card issuer is a company that actually issues credit cards and provides some of the functions of the first server 13. A brand company is a company that brands the credit cards used by users and applications for mobile devices, provides a Web3 wallet and brand, manages the crypto assets in the user's wallet during settlement, and provides the second server 14. An auditing company is a company that verifies whether transactions have been conducted correctly and provides the third server 15.

[0024] Examples of crypto assets used in the information processing system 10 according to this embodiment include, but are not limited to, USDC. USDC is a crypto asset known as a stablecoin, whose value is pegged to the US dollar at a 1:1 ratio, and is suitable for settlements due to its stable price.

[0025] Figure 1 shows the configuration of the information processing system 10 according to this embodiment. The information processing system 10 shown in Figure 1 consists of a user terminal 11, a POS terminal 12, a first server 13, a second server 14, a third server 15, a settlement wallet 18, a card system 17, and a communication line 16. The information processing system 10 according to this embodiment comprises these multiple components, and each functional unit of the information processing system 10 according to this embodiment is distributed and mounted on these multiple components, but this is not limited to this, and each functional unit of the information processing system 10 according to this embodiment may be mounted on any component of the information processing system 10. Furthermore, the combination of which company provides each component, as described below, is not limited to the following example and is arbitrary.

[0026] The user terminal 11, the first server 13, the second server 14, the third server 15, the card system 17, and the clearing wallet 18 are so-called computers, and are various types of electronic computers (computing resources) such as mobile terminals, personal computers (PCs), mainframes, workstations, and cloud computing systems. The user terminal 11, the first server 13, the second server 14, the third server 15, the card system 17, and the clearing wallet 18 each include arithmetic elements (CPU, GPU), ROM, RAM, storage, and I / O interfaces.

[0027] The user terminal 11 is a mobile device such as a smartphone or a personal computer used for payment, and has functions that support an NFC reader, a QR code (registered trademark) scanner, or an IC chip reader. NFC (Near Field Communication) is a short-range wireless communication standard and refers to a contactless IC card technology. NFC is a standard that enables data communication by bringing NFC-equipped cards or devices close together. QR code (registered trademark) is a two-dimensional barcode standard that exchanges payment information by being read by a camera or scanner. An IC chip is a contact-type or contactless integrated circuit that is installed in credit cards and debit cards and enables secure data exchange. The user terminal 11 exchanges tokenized card information and transaction ID (TID, an identifier that uniquely identifies a transaction) with the POS terminal 12 via NFC, QR code (registered trademark), or IC chip, and completes the payment.

[0028] The user installs a wallet application (hereinafter referred to as "wallet") provided by the brand company in advance onto the user terminal 11 and charges cryptocurrency (USDC) into the wallet. A wallet refers to a digital tool for storing and managing cryptocurrency. The balance in the wallet serves as credit collateral for BNPL payments. As will be described in detail later, the wallet obtains network identification information via the communication line 16 at the time of payment and exchanges tokenized card information, transaction ID, and authentication response with the POS terminal using NFC, QR code (registered trademark), or IC chip, etc. Here, tokenization refers to the technology of tokenizing sensitive information such as credit card numbers based on the EMV standard.

[0029] The POS terminal 12 is an accounting and sales management system for physical stores such as convenience stores and supermarkets, and is equipped with an NFC reader, a QR code (registered trademark) scanner, or an IC chip reader. When a user terminal 11 or a physical card is held over the POS terminal 12, the POS terminal 12 generates POS data and transmits it to the first server 13 via HTTPS. The POS data may include, as an example, physical store information such as store ID, time, amount, location information, and transaction ID.

[0030] Communication line 16 includes the internet and blockchain networks. Communication line 16 may be any communication network, such as the internet, optical networks, telephone networks, etc., and may be wired or wireless.

[0031] The first server 13 consists of servers for bean sponsor companies and card issuers. The first server 13 provides licenses for BNPL payments and credit card issuance, and the card issuers process POS data received from POS terminals.

[0032] The second server 14 is operated by the brand company and performs Web3 wallet services, payment information processing, and Merkle tree computation, a data structure that hashes and efficiently verifies multiple data. The second server 14 links the user's wallet with the blockchain network to enable real-time data matching.

[0033] The third server 15 is operated by an auditing firm and performs AML / CFT audits using smart contracts and Merkle trees. The third server 15 verifies the legitimacy of transactions and generates audit logs. A smart contract refers to a program that is automatically executed on the blockchain.

[0034] The card system 17 manages information for physical or virtual cards and provides payment data B via the payment processing network. Payment data B includes store ID, transaction time, amount, transaction identifier (TID), location information, etc. The card system 17 works in conjunction with the POS terminal 12 to process tokenized card information via NFC (Near Field Communication), QR code (registered trademark), or IC chip. Payment data B includes transaction information for Web2 payments such as credit cards, debit cards, and BNPL, and is transmitted to the second server 14. The card system 17 manages transaction authentication responses and payment history and generates data necessary for KYC (Know Your Customer) and AML / CFT audits.

[0035] The clearing wallet 18 receives cryptocurrency from the user terminal 11 via the blockchain network, converts it to Japanese yen, and sends it to the second server 14. The clearing wallet 18 works with a cryptocurrency exchange and performs the conversion process based on real-time market rates. The clearing wallet 18 performs the conversion process automatically using smart contracts. The clearing wallet 18 refers to the results of wallet screening using Chainalysis®'s KYT API, etc., to comply with AML / CFT regulations. The clearing wallet 18 records the transaction history, including the date and time of transfer, amount, and wallet address, on the blockchain and provides it to the third server 15 as an audit log. Here, the wallet address refers to the account identifier on the blockchain.

[0036] The information processing system 10 according to this embodiment will be described with reference to Figures 2 to 7. Figure 2 shows an example of the configuration and function of the second server 14, which is one of the components of the information processing system 10 according to this embodiment. The second server 14 shown in Figure 2 includes arithmetic elements (CPU, GPU, etc.) 21 for executing various calculations, ROM 22 for storing processing programs, RAM 23 for storing data, etc., storage unit 24 for storing various data and calculation results, I / O (input / output interface) 25, etc.

[0037] I / O25 is an interface, buffer, etc., for communication (transmitting and receiving).

[0038] The block diagram in Figure 2 shows the functional units within the arithmetic element of the second server 14. When each functional unit of the arithmetic element is implemented by software, the arithmetic element is implemented by executing instructions from a program, which is the software that implements each function.

[0039] The computing elements 21 of the second server 14 include a settlement information receiving unit 141, a settlement data request unit 142, a settlement data acquisition unit 143, a calculation unit 144, an identification information matching unit 145, an approval request transmission unit 146, a settlement request transmission unit 147, a yen payment unit 148, and a transaction acquisition unit 150. The storage unit 24 of the second server 14 also includes a settlement data storage unit 149.

[0040] The payment information receiving unit 141 receives billing information A from the first server 13.

[0041] The settlement data request unit 142 requests settlement data B from the card system 17. Settlement data B may include, for example, the TID and the amount. The TID (transaction identifier) ​​is an identifier that uniquely identifies a transaction within a brand company network, etc.

[0042] The payment data acquisition unit 143 acquires payment data B from the card system 17.

[0043] The arithmetic unit 144 calculates a Merkle tree based on POS data, transaction information, and network identification information, and generates a Merkle root C. Here, the Merkle root C refers to the hash value used for data verification.

[0044] The identification information matching unit 145 matches POS data and cryptocurrency transactions in real time using network identification information as a key. Examples of network identification information include IP addresses, device IDs, location information, MAC addresses, etc. In this embodiment, an IP address may be used as the network identification information.

[0045] The approval request transmission unit 146 transmits billing information A, payment data B, and Merkle route C to the third server 15.

[0046] The settlement request transmission unit 147, after approval by the audit and approval unit 152 (described later), transmits a settlement request, i.e., an instruction to transfer cryptocurrency, to the user terminal 11.

[0047] The yen payment unit 148 receives Japanese yen from the settlement wallet and pays it to the first server 13.

[0048] The transaction retrieval unit 150 retrieves cryptocurrency transactions from the blockchain. The cryptocurrency transactions retrieved by the transaction retrieval unit 150 from the blockchain include the amount, sender address, etc.

[0049] The payment data storage unit 149 stores POS data, transaction information, and network identification information.

[0050] Figures 3 to 7 show the functional units within the arithmetic elements of the user terminal 11, the first server 13, the third server 15, the clearing wallet 18, and the card system 17. Similar to the second server 14, the user terminal 11, the first server 13, the third server 15, the clearing wallet 18, and the card system 17 each include arithmetic elements, ROM, RAM, storage, and I / O, but these are omitted in Figures 3 to 7.

[0051] As shown in Figure 3, the user terminal 11's computing element 31 includes an identification information acquisition unit 111, a wallet management unit 112, and a settlement unit 113. The user terminal 11's storage unit 34 also includes a user data storage unit 114.

[0052] The identification information acquisition unit 111 acquires network identification information via the communication line 16 during payment such as NFC payment.

[0053] The wallet management unit 112 manages the balance of crypto assets in the wallet. After being checked by the clearing unit 113, the wallet management unit 112 also sends the crypto assets to the crypto asset receiving unit 181 of the clearing wallet 18.

[0054] The settlement unit 113 receives the settlement request sent from the settlement request transmission unit 147 and checks for Merkle proof using a smart contract.

[0055] The user data storage unit 114 stores wallet information, payment history, and network identification information.

[0056] As shown in Figure 4, the computing element 41 of the first server 13 includes a payment information receiving unit 131 and a billing information transmission unit 132. The storage unit 44 of the first server 13 also includes a billing data storage unit 133.

[0057] The payment information receiving unit 131 receives POS data from the POS terminal 12.

[0058] The billing information transmission unit 132 transmits the POS data received by the payment information receiving unit 131 as billing information A to the second server 14.

[0059] The billing data storage unit 133 stores POS data and billing information.

[0060] As shown in Figure 5, the computing element 51 of the third server 15 includes an approval request receiving unit 151 and an audit / approval unit 152. The storage unit 54 of the third server 15 also includes an audit log storage unit 153.

[0061] The approval request receiving unit 151 receives billing information A, payment data B, and Merkle route C from the second server 14.

[0062] The audit and approval unit 152 verifies and approves the invoice information A, settlement data B, and Merkle root C received by the approval request receiving unit 151 using smart contracts and Merkle trees.

[0063] The audit log storage unit 153 stores payment information, network identification information, and audit results in chronological order.

[0064] As shown in Figure 6, the processing element 61 of the clearing wallet 18 includes a cryptocurrency receiving unit 181, a conversion unit 182, and a yen transfer unit 183. The storage unit 64 of the clearing wallet 18 also includes a transaction history storage unit 184. The clearing wallet 18 performs verification processing using a Merkle tree. The clearing wallet 18 performs conversion processing that is automatically executed by a smart contract.

[0065] The cryptocurrency receiving unit 181 receives cryptocurrency from the wallet management unit 112 of the user terminal 11 via the blockchain network. The receiving process is verified by a smart contract to confirm the legitimacy of the transaction.

[0066] The exchange unit 182 exchanges the received crypto assets for Japanese yen via a crypto asset exchange. The exchange is performed based on real-time market rates and by referring to a risk score obtained through Chainalysis®'s KYT API. The risk score may include, for example, an assessment of the fraud risk of the wallet address.

[0067] The yen remittance unit 183 remits the converted Japanese yen to the yen payment unit 148 of the second server 14 via a bank API or payment network. The yen remittance unit 183 records the settlement history in the transaction history storage unit 184.

[0068] The transaction history storage unit 184 records the history of receiving, exchanging, and sending crypto assets in a blockchain or off-chain database. These recorded histories are used for audits and regional development (e.g., tracking local currency settlements). The history of receiving, exchanging, and sending crypto assets may include, for example, a transaction ID, amount, sender / recipient address, date and time, etc. An example of regional development is tracking local currency settlements.

[0069] As shown in Figure 7, the arithmetic element 71 of the card system 17 includes a card information management unit 171 and a payment data provision unit 172. The storage unit 74 of the card system 17 also includes a card data storage unit 173.

[0070] The card information management unit 171 manages information on physical and virtual cards. Card information includes card number, tokenized data, expiration date, and cardholder information. The card information management unit 171 interacts with the payment network to authenticate transactions.

[0071] The payment data provision unit 172 generates payment data B based on the payment request received from the POS terminal 12 and provides it to the second server 14. Payment data B may include, for example, information such as store ID, transaction time, amount, and TID. Payment data B supports transactions via NFC, QR code (registered trademark), or IC chip and includes metadata for KYC / AML audits. The metadata for KYC / AML audits may include, for example, location information and device ID.

[0072] The card data storage unit 173 stores card information, payment data B, and transaction history. This stored information is used for auditing and marketing data generation. The transaction history may include, for example, TID, authorization code, etc.

[0073] The operation of the information processing system 10 according to this embodiment will be explained with reference to the flowchart shown in Figure 8. This system is applicable to mobile terminal payments using NFC, QR codes (registered trademark), etc., and physical card payments using NFC, IC chips, etc. Below, a specific example of applying the information processing system 10 of this embodiment to mobile terminal payments using NFC, QR codes (registered trademark), etc. will be described. As described below, the operation of the information processing system 10 of this embodiment is characterized by real-time matching using network identification information and settlement using a Merkle tree.

[0074] In step S801, the user makes a mobile payment using NFC, QR code (registered trademark), etc., via the POS terminal 12. The POS terminal 12 generates POS data and sends it via HTTPS to the payment information receiving unit 131 of the first server 13 (POS data generation step). In mobile payment, the user terminal 11 sends tokenized card information to the POS terminal 12, and the POS terminal 12 returns the TID and authentication response.

[0075] In step S802, the identification information acquisition unit 111 of the user terminal 11 acquires network identification information via the communication line 16 during payment in step S801 and transmits it to the payment information receiving unit 131 of the first server 13 (identification information acquisition step).

[0076] In step S803, when the settlement information receiving unit 131 of the first server 13 receives POS data and network identification information, the billing information transmitting unit 132 of the first server 13 transmits the POS data and network identification information as billing information A to the settlement information receiving unit 141 of the second server 14 (billing information transmission step).

[0077] In step S804, when the payment information receiving unit 141 of the second server 14 receives the billing information A, the payment data request unit 142 of the second server 14 requests payment data B, which includes information such as TID and amount, from the card system 17, and the payment data acquisition unit 143 acquires the payment data B transmitted from the card system 17 in response to the request (payment data acquisition step).

[0078] In step S805, the transaction acquisition unit 150 of the second server 14 acquires cryptocurrency transactions from the blockchain. The identification information matching unit 145 of the second server 14 matches the POS data contained in the billing information A with the transactions in real time, using the network identification information as a key (matching step).

[0079] In step S806, the calculation unit 144 of the second server 14 calculates a Merkle tree based on POS data, transaction, and network identification information to generate a Merkle root C. The Merkle root C is registered in the smart contract to ensure the transparency and verifiability of the transaction (registration step).

[0080] In step S807, the approval request transmission unit 146 of the second server 14 sends billing information A, settlement data B, network identification information, and Merkle route C to the approval request receiving unit 151 of the third server 15. When the approval request receiving unit 151 of the third server 15 receives billing information A, settlement data B, network identification information, and Merkle route C from the approval request receiving unit 151 of the third server 15, the audit and approval unit 152 of the third server 15 verifies the smart contract and Merkle tree and approves it (audit step).

[0081] In step S808, the settlement request transmission unit 147 of the second server 14 sends a settlement request to the wallet of the user terminal 11 after approval by the audit and approval unit 152 of the third server 15 (settlement request step).

[0082] In step S809, the clearing unit 113 of the user terminal 11 checks for Merkle proof using a smart contract. After the check is successful, the wallet management unit 112 of the user terminal 11 sends the cryptocurrency to the cryptocurrency receiving unit 181 of the clearing wallet 18 (Merkle proof check step).

[0083] In step S810, the exchange unit 182 of the clearing wallet 18 exchanges the cryptocurrency for Japanese yen (exchange step). The exchange unit 182 obtains real-time market rates via a cryptocurrency exchange, verifies the risk score using Chainalysis®'s KYT API, and then executes the automatic exchange using a smart contract. The exchange history is recorded in the transaction history storage unit 184 and used for auditing and tracking local currencies.

[0084] In step S811, the yen remittance unit 183 of the clearing wallet 18 remits the converted Japanese yen to the yen payment unit 148 of the second server 14 (remittance step). The remittance is made via a bank API or a payment network, and the remittance history is recorded in the transaction history storage unit 184. The remittance history may include, for example, the date and time of remittance, the amount, the recipient, etc.

[0085] In step S812, the yen payment unit 148 of the second server 14 pays Japanese yen to the first server 13 and settles with the merchant (settlement step).

[0086] As described above, the information processing system 10 according to this embodiment matches Web2 payment data and Web3 transactions in real time using network identification information in mobile terminal payments using NFC, QR codes (registered trademark), etc. The information processing system 10 according to this embodiment is compatible with BNPL, instant payment, local currency, etc.

[0087] (Second embodiment) In the first embodiment, we described the case in which mobile terminal payment using NFC, QR code (registered trademark), etc., is applied to the information processing system 10. In this embodiment, we describe an example in which physical card payment using NFC, IC chip, etc., is applied to the information processing system 10. The components, functions, and operating principles of the information processing system 10 in this embodiment are the same as in the first embodiment.

[0088] In the following, as an example, we will describe a physical card equipped with NFC functionality, issued by a card issuing company and bearing the brand of the brand company described in the first embodiment. It is assumed that the user terminal 11 is connected to the POS terminal 12 via Bluetooth® or a communication line. When the user holds the physical card over the POS terminal 12, the POS terminal 12 reads the card information from the physical card, generates POS data, and transmits it to the payment information receiving unit 131 of the first server 13. The POS terminal 12 transmits the TID and authentication response to the user terminal 11 via Bluetooth® or the communication line. At this time, the user terminal 11 acquires network identification information. The subsequent operation of the information processing system 10 is the same as in the first embodiment.

[0089] (Third embodiment) The information processing system according to this embodiment further comprises a wallet screening server in addition to the information processing system 10 according to the first embodiment. The wallet screening server analyzes wallet addresses and generates a risk score. The risk score complies with anti-money laundering (AML) and counter-terrorism financing (CFT) regulations and detects wallets subject to economic sanctions, fraud, and dark pool-related wallets.

[0090] The wallet screening server uses wallet screening services such as Chainalysis®'s KYT API to perform the following processes.

[0091] As part of KYC (Know Your Customer) verification, the user's identity is confirmed. Examples of user identity verification include ID authentication and address verification.

[0092] As part of CDD (Continuous Customer Management), transaction history and wallet addresses are continuously monitored. Examples of things to monitor include repeated high-value transfers and unusual access from outside the local area.

[0093] As part of detecting suspicious transactions, unusual transaction patterns, such as large-scale transfers in a short period, are identified and reported to regulatory authorities such as the Financial Services Agency.

[0094] To generate a risk score, the wallet address is analyzed and the risk level is calculated. One example of risk level calculation is matching it against a list of entities subject to economic sanctions.

[0095] The wallet screening server, like the second server 14 of the information processing system 10 according to the first embodiment, includes an arithmetic element, ROM, RAM, storage unit, and I / O, but their descriptions will be omitted below. The arithmetic element of the wallet screening server includes a wallet screening unit and a risk analysis unit as functional units. The storage unit of the wallet screening server also includes a risk data storage unit.

[0096] The wallet screening unit analyzes wallet addresses and generates a risk score. Examples of risk scores include risk assessments of fraudulent transactions using the wallet screening service API.

[0097] The risk analysis department analyzes the wallet address and calculates the risk level.

[0098] The risk data storage unit stores risk scores and analysis history, which are used for reporting to regulatory authorities. Analysis history includes the date and time of analysis, wallet address, and risk score.

[0099] The information processing system according to this embodiment ensures compliance with cryptocurrency settlements such as stablecoins and local currencies, and provides a highly reliable settlement environment. In the information processing system according to this embodiment, for example, in local currency settlements, the wallet screening server ensures AML / CFT and prevents fraudulent transactions.

[0100] The operation of the information processing system according to this embodiment is as follows: In step S810 of the operation of the information processing system 10 according to the first embodiment, when the exchange unit 182 of the clearing wallet 18 exchanges crypto assets for Japanese yen, the exchange unit 182 obtains real-time market rates via a crypto asset exchange API such as a crypto asset exchange service, refers to the risk score of the wallet screening unit of the wallet screening server, and then executes automatic exchange using a smart contract. The exchange history is recorded in the transaction history storage unit 184 and used for auditing AML / CFT regulations and tracking local currencies.

[0101] (Fourth embodiment) The information processing system according to this embodiment is further equipped with an NFT management server in addition to the information processing system 10 according to the first embodiment. The NFT management server links POS data and non-fungible tokens with network identification information and generates marketing data and incentives. Examples of non-fungible tokens include NFT-specific digital assets, e.g., local NFTs for regional campaigns. Examples of marketing data include user purchasing trends and regional preference analysis. Examples of incentives include discount coupons and points for regional stamp rallies.

[0102] The NFT management server, like the second server 14 of the information processing system 10 according to the first embodiment, includes arithmetic elements, ROM, RAM, storage unit, and I / O, but their descriptions will be omitted below. The arithmetic elements of the NFT management server include, as functional units, an NFT management unit, an NFT generation unit, and a marketing data generation unit. The storage unit of the NFT management server includes an NFT data storage unit.

[0103] The NFT Management Department links POS data and NFTs using network identification information to generate marketing data and incentives.

[0104] The NFT generation unit links POS data with NFTs and generates NFTs.

[0105] The marketing data generation unit generates purchasing trend analyses and incentives based on POS data and NFTs. Examples of purchasing trend analyses include user product preferences and regional preferences.

[0106] The NFT data storage unit stores NFTs and related data. Related data includes, for example, NFT metadata and associated POS data.

[0107] This embodiment is applicable to regional revitalization, advertising targeting, and O2O services. As an example, this embodiment integrates POS data from in-store payments with NFTs to reflect users' purchasing behavior in regional tourism campaigns, etc. Examples of regional revitalization include hometown tax donations and the revitalization of local shopping streets. Examples of advertising targeting include personalized advertising based on purchasing behavior. Examples of O2O services include the linkage of online reservations and offline payments. Examples of users' purchasing behavior include the frequency of purchasing goods. Examples of regional tourism campaigns include stamp rallies and hometown tax donations.

[0108] In the operation of the information processing system according to this embodiment, in step S811 of the operation of the information processing system 10 according to the first embodiment, when the yen remittance unit 183 of the clearing wallet 18 sends the converted Japanese yen to the yen payment unit 148 of the second server 14, as an option, the NFT management unit of the NFT management server links the POS data and the NFT with network identification information, generates an incentive, and records it in the NFT data storage unit.

[0109] Of course, the present invention includes various embodiments and the like that are not described herein. Therefore, the technical scope of the present invention is defined solely by the inventive features of the claims that are reasonable based on the above description. [Explanation of symbols]

[0110] 10. Information Processing Systems 11 User terminals 12 POS terminals 13 Server 1 14 Server 2 15. Third Server 16 Communication lines 17 Card System 18. Clearing Wallet 21 Computation elements 22 ROM 23 RAM 24 Memory section 25 I / O (Input / Output Interface) 31. Computation elements of user terminal 11 34. Storage unit of user terminal 11 41 Computing elements of the first server 13 44 Memory Unit of Server 13 51 Computing elements of the third server 15 54 Storage Unit of Server 15 (3rd Server) 61 Clearing Wallet 18 Computing Elements 64. Storage section of the settlement wallet 18 71 Computation elements of card system 17 74 Memory section of card system 17 111 Identification Information Acquisition Unit 112 Wallet Management Department 113 Clearing Department 114 User data storage unit 131 Payment Information Receiving Unit 132 Billing Information Transmission Department 133 Billing Data Storage Unit 141 Payment Information Receiving Unit 142 Payment Data Request Section 143 Payment Data Acquisition Section 144 Arithmetic section 145 Identification Information Matching Unit 146 Approval Request Submission Section 147 Settlement Request Submission Section 148 yen coin payment section 149 Payment data storage unit 150 Transaction Acquisition Section 151 Approval Request Receiving Department 152 Audit and Approval Department 153 Audit Log Storage Unit 171 Card Information Management Department 172 Payment Data Provision Department 173 Card Data Storage Unit 181 Cryptocurrency Receiving Unit 182 Cash Exchange Department 183 yen remittance department 184 Transaction history storage unit

Claims

1. A user terminal equipped with a wallet for managing crypto assets, A server that receives POS data generated by a POS terminal when a payment is made using the aforementioned cryptocurrency, receives network identification information acquired by the user terminal at the time of payment from the user terminal, retrieves the cryptocurrency transaction from the blockchain network, matches the POS data and the transaction in real time using the network identification information as a key, verifies and approves the matching result, and sends a settlement request to the user terminal. A clearing wallet that receives the crypto assets from the user's wallet based on the clearing request, converts the crypto assets into fiat currency, and clears the transaction. An information processing system characterized by comprising the following features.

2. The information processing system according to claim 1, characterized in that the network identification information is an IP address, device ID, MAC address, or location information.

3. The information processing system according to claim 1, characterized in that the aforementioned clearing wallet performs verification processing using a Merkle tree.

4. The information processing system according to claim 1, characterized in that the aforementioned clearing wallet performs a cash conversion process that is automatically executed by a smart contract.

5. The information processing system according to claim 1, characterized in that the user terminal is a mobile terminal, the POS terminal is equipped with an NFC reader, a QR code scanner, or an IC chip reader, and at the time of payment, the wallet transmits card information to the POS terminal, the POS terminal transmits a transaction ID to the wallet, and at the same time, the user terminal obtains the network identification information of the user terminal.

6. The information processing system according to claim 1, further comprising a wallet screening server that screens the transaction history of wallet addresses and generates a risk score.

7. The information processing system according to claim 1, further comprising an NFT management server for managing NFTs associated with POS data.

8. The information processing system according to claim 1, characterized in that it matches POS data and blockchain transactions in real time and enables settlement.

9. In an information processing system comprising a user terminal equipped with a wallet for managing crypto assets, a server that matches Web2 payment data with Web3 transactions, and a clearing wallet that collaborates with a crypto asset exchange and performs redemption processing based on market rates, Computers The steps include obtaining POS data generated by the POS terminal during payment using the aforementioned cryptocurrency from the POS terminal, and obtaining network identification information obtained by the user terminal during payment from the user terminal, The steps include obtaining the transaction of the aforementioned crypto asset from the blockchain network, The steps include matching the POS data and the transaction in real time using the aforementioned network identification information as a key, The steps include verifying and approving the matching result between the POS data and the transaction, The steps include sending a settlement request to the wallet on the user terminal, having the wallet transfer crypto assets to a settlement wallet, and the settlement wallet converting the crypto assets into fiat currency and settling the transaction. An information processing method characterized by performing the following.

10. In an information processing system comprising a user terminal equipped with a wallet for managing crypto assets, a server that matches Web2 payment data with Web3 transactions, and a clearing wallet that collaborates with a crypto asset exchange and performs redemption processing based on market rates, On the computer, The function includes obtaining POS data generated by the POS terminal when payment is made using the aforementioned cryptocurrency from the POS terminal, and obtaining network identification information obtained by the user terminal at the time of payment from the user terminal, A function to retrieve the aforementioned cryptocurrency transactions from the blockchain network, A function that matches the POS data and the transaction in real time using the aforementioned network identification information as a key, A function to verify and approve the matching result between the POS data and the transaction, The function includes sending a settlement request to the wallet on the user terminal, having the wallet transfer crypto assets to a settlement wallet, and having the settlement wallet convert the crypto assets into fiat currency and settle the transaction. An information processing program characterized by achieving this.

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