Information processing device and information processing method

Abstract

To promote healthy trading of digital assets by users. [Solution] The information processing device holds transaction determination rules that indicate conditions for a score used to determine whether or not a digital asset can be traded. The score is evaluated based on the user's transaction history of digital assets. The information processing device receives a score certificate indicating the user's score and compares the score indicated in the score certificate with the conditions indicated in the transaction determination rules to determine whether or not the digital asset can be traded.

Description

Technical Field

[0001] The present invention relates to an information processing apparatus and an information processing method.

Background Art

[0002] As background art in this technical field, there is International Publication No. 2021 / 202474 (Patent Document 1). This publication describes an automated method for checking legality during digital asset transactions. The method described in this publication includes a customer starting a digital asset transaction, receiving a wallet address corresponding to a wallet, collating that wallet address against one or more databases, where the one or more databases include transaction history and risk classification information of the wallet, and determining whether the wallet address should be flagged as a suspicious transaction based on the transaction history and risk classification information stored in the one or more databases. If the wallet address is flagged as suspicious, rejecting the transaction and notifying the customer of the rejection, or moving the digital asset to a holding wallet for further checking. If the wallet address is not flagged as suspicious, releasing the digital asset and proceeding with the transaction (see summary).

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] The technology described in Patent Document 1 permits the deposit and withdrawal of digital assets only for wallet addresses included in a whitelist. Furthermore, the technology described in Patent Document 1 registers wallet addresses that are not included in government and private blacklists among those for which registration to the whitelist has been requested. In the technology described in Patent Document 1, even if a user continues to conduct healthy transactions of digital assets, there is a possibility that the user's wallet address will not be registered in the whitelist, which may suppress the user's motivation to continue healthy transactions. Therefore, one aspect of the present invention promotes healthy transactions of digital assets by users. [Means for solving the problem]

[0005] To solve the above problems, one aspect of the present invention adopts the following configuration. The information processing device comprises a processor and a memory, the memory holds a transaction determination rule indicating conditions for a score for determining whether a digital asset can be traded, the score is evaluated based on the user's transaction history of the digital asset, the processor receives a score certificate indicating the user's score, compares the score indicated in the score certificate with the conditions indicated in the transaction determination rule to determine whether the digital asset can be traded, and outputs information indicating the determined transaction feasibility. [Effects of the Invention]

[0006] According to one aspect of the present invention, it is possible to promote sound transactions of digital assets by users.

[0007] Other issues, configurations, and effects not mentioned above will be clarified by the following description of the embodiments. [Brief explanation of the drawing]

[0008] [Figure 1] This is a block diagram showing an example configuration of a digital asset trading system in Example 1. [Figure 2]This is a block diagram showing an example of the hardware configuration of the computers that make up each device included in the digital asset trading system in Example 1. [Figure 3] This figure shows an example of the data structure of KYC (Know Your Customer) certificate management information in Example 1. [Figure 4] This figure shows an example of the data structure of score certificate management information in Example 1. [Figure 5] This figure shows an example of the data structure of the score certificate revocation list in Example 1. [Figure 6] This figure shows an example of the data structure of the risk score determination rule management information in Example 1. [Figure 7] This figure shows an example of the data structure of the white score determination rule management information in Example 1. [Figure 8] This figure shows an example of the data structure of transaction judgment rule management information in Example 1. [Figure 9] This is a sequence diagram showing an example of the wallet name matching certificate issuance process in Example 1. [Figure 10] This flowchart shows an example of the KYC certificate verification process in Example 1. [Figure 11] This flowchart shows an example of the wallet name matching certificate generation process in Example 1. [Figure 12] This figure shows an example of a KYC certificate in Example 1. [Figure 13] This figure shows an example of a wallet name matching certificate in Example 1. [Figure 14] This is a sequence diagram showing an example of the risk score certificate issuance process in Example 1. [Figure 15] This flowchart shows an example of the wallet name matching certificate verification process in Example 1. [Figure 16] This flowchart shows an example of the risk score certificate generation process in Example 1. [Figure 17] This figure shows an example of a risk score certificate in Example 1. [Figure 18] It is a sequence diagram showing an example of the white score certificate issuance process in Example 1. [Figure 19] It is a flowchart showing an example of the white score certificate generation process in Example 1. [Figure 20] It is a diagram showing an example of the white score certificate in Example 1. [Figure 21] It is a sequence diagram showing an example of the digital asset transaction process in Example 1. [Figure 22] It is a sequence diagram showing an example of the transaction determination process in Example 1.

Mode for Carrying Out the Invention

[0009] Hereinafter, embodiments of the present invention will be described in detail based on the drawings. In this embodiment, the same components are generally denoted by the same reference numerals, and repeated explanations are omitted. It should be noted that this embodiment is merely an example for realizing the present invention and does not limit the technical scope of the present invention.

Examples

[0010] FIG. 1 is a block diagram showing a configuration example of a digital asset transaction system. The digital asset transaction system includes, for example, a digital asset transaction support device 100 (an example of an information processing device), one or more user terminals 200, one or more personal verification devices 300, and one or more NFT (Non-Fungible Token) market servers 400, which are connected to each other via a network 500 such as the Internet.

[0011] The NFT market server 400 provides a marketplace for buying and selling NFTs and a fan community using NFTs (for example, membership rights and certificates of membership in the community, and privileges given to members of the community are managed by NFTs).

[0012] Although not shown in the diagram, the digital asset trading system may be connected to a blockchain network, some of the devices included in the digital asset trading support system may be configured as a blockchain network, or some of the devices included in the digital asset trading support system may be blockchain nodes included in the blockchain network.

[0013] Furthermore, for example, the NFT market server 400 is connected to a blockchain network that approves and stores NFT transactions, and the blockchain network includes multiple blockchain nodes. The digital asset trading support device 100, user terminal 200, and identity verification device 300 may also be connected to the blockchain network. In addition, some or all of the KYC (Know Your Customer) information, such as user attribute information included in the KYC certificate described later, some or all of the key information described later, and some or all of the information shown in Figure 1 held by the digital asset trading support device 100 may be distributed and recorded on the blockchain.

[0014] User terminal 200 is a terminal owned by a user (hereinafter also referred to as a customer) who wishes to trade NFTs through the marketplace or fan community provided by the NFT market server 400.

[0015] The digital asset trading support device 100 assists in NFT trading, such as determining whether NFTs can be traded by user terminals 200 via marketplaces or fan communities. The identity verification device 300 holds user information used to determine whether NFTs can be traded. The digital asset trading support device 100 is owned, for example, by an AML (Anti-Money Laundering) consortium.

[0016] The digital asset trading support device 100 includes, for example, a data collection unit 111, a wallet name matching processing unit 112, a KYC processing unit 113, a risk score processing unit 114, a white score processing unit 115, and a transaction determination unit 116, all of which are functional units.

[0017] The digital asset trading support device 100 holds, for example, KYC certificate management information 121, score certificate management information 122, score certificate revocation list 123, risk score determination rule management information 124, white score determination rule management information 125, transaction determination rule management information 126, and key management information 127.

[0018] The data collection unit 111 collects customer data from the NFT market server 400 and blockchain networks that approve and store NFT transactions. The wallet matching processing unit 112 generates a wallet matching certificate, which will be described later. The KYC processing unit 113 performs processing such as verifying the customer's KYC certificate.

[0019] The risk score processing unit 114 evaluates the customer's risk score based on the data collected by the data collection unit 111 and the risk score determination rule management information 124, and generates a risk score certificate that includes the risk score. The white score processing unit 115 evaluates the customer's white score based on the data collected by the data collection unit 111 and the white score determination rule management information 125, and generates a white score certificate that includes the white score. The transaction determination unit 116 determines whether or not to allow the customer to trade the NFT they wish to trade, based on the risk score certificate, the white score certificate, and the transaction determination rule management information 126.

[0020] KYC certificate management information 121 includes information about KYC certificates received from user terminal 200. Score certificate management information 122 includes information about risk score certificates and white score certificates. Score certificate revocation list 123 shows revoked risk score certificates and white score certificates.

[0021] Risk score determination rule management information 124 indicates the rules for evaluating the risk score. White score determination rule management information 125 indicates the rules for evaluating the white score. Transaction determination rule management information 126 indicates the rules for determining whether or not an NFT can be traded. Key management information 127 includes the private key (signing key) used for electronic signatures and the public key (verification key) for verifying the signature. Hereafter, electronic signatures will also be simply referred to as signatures.

[0022] The user terminal 200 includes, for example, a digital asset management unit 211 and an ID management unit 212, both of which are functional units. The user terminal 200 also holds, for example, one or more wallets 221 and certificate information 222. The digital asset management unit 211 manages the buying and selling of digital assets owned by the user of the user terminal 200. The ID management unit 212 manages the user IDs owned by the user of the user terminal 200.

[0023] Wallet 221 has the functionality to access NFTs. Wallet 221 stores, for example, the wallet private key, which is the private key of Wallet 221, and the wallet public key, which is the public key corresponding to the wallet private key.

[0024] Wallet 221 is assigned a wallet address generated from its public wallet key (the public wallet key and wallet address may be the same or different). The private wallet key is used to retrieve the NFT. Wallet 221 may also hold information indicating the blockchain network associated with it, that is, the blockchain network that approves and records transactions related to the NFT managed by Wallet 221.

[0025] Certificate information 222 includes information regarding the KYC certificate, risk score certificate, and white score certificate of the user of user terminal 200.

[0026] In the example shown in Figure 1, a non-custodial method is used in which the user terminal 200 maintains and manages the wallet 221 (and its wallet private key). However, a custodial method may also be used in which a third party, such as an NFT market server 400, maintains and manages the wallet 221 (and its wallet private key).

[0027] The identity verification device 300 holds, for example, customer information 321 and key management information 322. Customer information 321 represents the customer's information (e.g., attribute information, etc.) as described in the customer's KYC certificate (i.e., the user of the user terminal 200 and the owner of the wallet 221). An employment certificate, My Number Card, and income certificate (tax notice and withholding tax statement, etc.) are all examples of KYC certificates.

[0028] The key management information 322 includes a private key (signing key) used to sign the KYC certificate, and a public key (verification key) for verifying the signature.

[0029] In this embodiment, NFTs are just one example of digital assets, and the digital asset trading system in this embodiment is applicable not only to NFTs but also to any digital asset (such as crypto assets) traded using blockchain technology.

[0030] Figure 2 is a block diagram showing an example of the hardware configuration of a computer 1000 that constitutes each device included in a digital asset trading system. The digital asset trading support device 100, user terminal 200, identity verification device 300, and NFT market server 400 are each composed of a computer 1000 having, for example, a CPU (Central Processing Unit) 101, memory 102, auxiliary storage device 103, input device 104, display device 105, and communication device 106.

[0031] The CPU 101 is an example of a processor and executes programs stored in memory 102. Memory 102 includes non-volatile memory elements such as ROM (Read Only Memory) and volatile memory elements such as RAM (Random Access Memory). ROM stores immutable programs (e.g., BIOS (Basic Input / Output System)). RAM is a high-speed, volatile memory element such as DRAM (Dynamic Random Access Memory) and temporarily stores programs executed by the CPU 101 and data used during program execution.

[0032] The auxiliary storage device 103 is a high-capacity, non-volatile storage device such as a magnetic storage device (HDD (Hard Disk Drive)) or flash memory (SSD (Solid State Drive)), and stores the program executed by the CPU 101 and the data used when the program is executed. In other words, the program is read from the auxiliary storage device 103, loaded into memory 102, and executed by the CPU 101.

[0033] The input device 104 is a device that receives input from the operator, such as a keyboard or mouse. The display device 105 is a device that outputs the program execution results in a format that the operator can see, such as a display or printer.

[0034] The communication device 106 is a network interface device that controls communication with other devices according to a predetermined protocol. The communication device 106 may also include a serial interface such as USB (Universal Serial Bus).

[0035] Some or all of the program executed by the CPU 101 may be provided to the computer 1000 via the network 500 from an external computer equipped with a non-temporary storage medium such as removable media (CD-ROM, flash memory, etc.) or non-temporary storage device, and stored in the non-volatile auxiliary storage device 103, which is also a non-temporary storage medium. For this reason, the computer 1000 may have an interface for reading data from the removable media.

[0036] The digital asset trading support device 100, the user terminal 200, the identity verification device 300, and the NFT market server 400 are each computer systems configured on a single physical computer 1000, or on multiple logically or physically configured computers 1000. They may operate in separate threads on the same computer 1000, or on virtual computers built on multiple physical computer resources.

[0037] The CPU 101 of the computer 1000 that constitutes each device included in the digital asset trading system includes, for example, the functional units of the device shown in Figure 1. For example, the CPU 101 of the computer 1000 that constitutes the digital asset trading support device 100 functions as a data collection unit 111 by operating according to a data collection program loaded into memory 102, and functions as a wallet name matching processing unit 112 by operating according to a wallet name matching processing program loaded into memory 102.

[0038] The relationship between the program and the functional units is the same for other functional units included in the CPU 101 of the computer 1000 that constitutes the digital asset trading support device 100. Furthermore, the relationship between the program and the functional units included in the CPU 101 of the computer 1000 that constitutes the user terminal 200, the CPU 101 of the computer 1000 that constitutes the identity verification device 300, and the CPU 101 of the computer 1000 that constitutes the NFT market server 400 is also the same.

[0039] Furthermore, some or all of the functions of the functional units of the devices included in the digital asset trading system may be implemented by dedicated hardware such as ASICs (Application Specific Integrated Circuits) or FPGAs (Field-Programmable Gate Arrays).

[0040] The auxiliary storage device 103 of the computer 1000 that constitutes each device included in the digital asset trading system stores, for example, various information held by the device as shown in Figure 1. Note that some or all of the various information held by each device shown in Figure 1 may be stored in the memory 102 of the computer 1000 that constitutes the device, or in an external database connected to the device.

[0041] In this embodiment, the information used by the digital asset trading system is independent of the data structure and may be represented in any data structure. For example, a data structure appropriately selected from tables, lists, databases, or queues can store the information.

[0042] Figure 3 shows an example of the data structure of KYC certificate management information 121. For example, KYC certificate management information 121 stores one or more combinations of a KYC certificate included in a matching certificate issued to the user terminal 200 (described later) and the user ID indicated by the KYC certificate (hereinafter also referred to as the matching ID), linked to the wallet address of the user terminal 200.

[0043] Furthermore, the KYC certificate management information 121 may indicate, in addition to or instead of the KYC certificate itself, the type of KYC certificate (information indicating whether the KYC certificate is, for example, an employment certificate, a My Number card, or an income certificate). Also, if the KYC certificate has an expiration date (for example, the expiration date is written within the KYC certificate, or it is predetermined that certain types of KYC certificates will expire after a certain period from the date of issue), the KYC certificate management information 121 may further indicate the expiration date of the KYC certificate.

[0044] Figure 4 shows an example of the data structure of the score certificate management information 122. The score certificate management information 122, for example, associates the wallet address of a wallet 221 owned by a user, the blockchain network associated with that wallet 221, the type of certificate issued to the user who owns the wallet 221 with that wallet address (indicating whether it is a risk score certificate or a white score certificate), the issuance date of the certificate, and the certificate ID that identifies the certificate.

[0045] Figure 5 shows an example of the data structure of the score certificate revocation list 123. The score certificate revocation list 123 shows, for example, the wallet address of a wallet 221 owned by a user, the type of certificate issued to the user who owns the wallet 221 with that wallet address and which has been revoked, the certificate ID of that certificate, and the revocation date of that certificate, in association with each other.

[0046] For example, the validity period of risk score certificates and white score certificates is until a predetermined number of days have elapsed from the certificate issuance date. The transaction determination unit 116 periodically (for example, daily) refers to the certificate issuance date indicated by the score certificate management information 122, and if it determines that there is an expired certificate, it stores information about that certificate in the score certificate revocation list 123.

[0047] Furthermore, the digital asset trading support device 100 may have a function to forcibly revoke risk score certificates and white score certificates, for example. Specifically, for example, if the transaction determination unit 116 confirms that a user has committed a predetermined violation (for example, the user has committed an illegal transaction, or the user has become subject to sanctions, etc.) (for example, if input indicating that the user has committed such a violation is obtained via the input device 104 of the digital asset trading support device 100), it forcibly revokes all risk score certificates and white score certificates corresponding to the wallet address of the wallet 221 owned by the user.

[0048] When the transaction determination unit 116 forcibly revokes a risk score certificate and a white score certificate, it stores information indicating that the score certificate has been forcibly revoked in, for example, the score certificate revocation list 123. In the digital asset transaction processing described later, the transaction determination unit 116 refers to this information and, if it determines that a transaction has been requested by a user who has a wallet address corresponding to a forcibly revoked risk score certificate and / or white score certificate, it may reject the transaction.

[0049] Furthermore, in the risk certificate issuance process and the white score certificate issuance process described later, the risk score processing unit 114 and the white score processing unit 115 may refer to the score certificate revocation list 123 and, if they determine that they have received a request for a score certificate from a user who has a wallet address corresponding to a forcibly revoked risk score certificate and / or white score certificate, they may refuse to issue the score certificate.

[0050] Figure 6 shows an example of the data structure of the risk score determination rule management information 124. The risk score determination rule management information 124 shows, for example, the risk score determination criteria for each risk category.

[0051] In the example in Figure 6, a user's risk score for each risk category is evaluated on a three-tiered scale: A, B, or C (A being the lowest risk, C the highest risk, and B being higher risk than A but lower risk than C), depending on which conditions shown in the risk score criteria the user meets. Each risk score may be selected from multiple discrete values ​​as shown in the example in Figure 6, or from continuous values. Users with higher risk scores will have their trading options restricted (for example, high-value transactions or restrictions on the types of NFTs they can trade).

[0052] The risks assessed using the risk score determination rule management information 124 include, for example, the risk that a user will engage in specified fraudulent activities such as money laundering or terrorist financing through NFT transactions. Specifically, for example, the risks assessed using the risk score determination rule management information 124 include at least one of the following: country risk, sanctioned entity risk, customer risk, high-value transaction risk, high-frequency transaction risk, corporate risk, and counterparty risk.

[0053] Country risk, sanctions risk, and customer risk are all examples of risks assessed based on user attributes identified from transaction history. High-value transaction risk and high-frequency transaction risk are all examples of risks assessed based on the nature of transactions conducted by users, identified from transaction history. Corporate risk and counterparty risk are examples of risks assessed based on the user's trading partners, identified from transaction history.

[0054] Furthermore, the risks shown in the example in Figure 6 are risks that can be determined based on the user's NFT transaction history (an example of digital asset transaction history and an example of dynamic information). Therefore, users can improve their own risk assessment through NFT transactions, thereby promoting sound trading.

[0055] Figure 7 shows an example of the data structure of the white score determination rule management information 125. The white score determination rule management information 125 shows, for example, the white score determination criteria for each information source. NFT marketplaces and KYC certificates are examples of information sources. In the example in Figure 7, whether an NFT is being offered at a fair price can be determined by the information obtained from the corresponding information source, the NFT marketplace, and whether three or more certificates have been submitted can be determined by the information obtained from the corresponding information source, the KYC certificate.

[0056] For example, each white score criterion in the white score determination rule management information 125 is assigned a predetermined white score (for example, all white score criteria are assigned a white score of "1"), and the sum of the white scores corresponding to each white score criterion to which a user belongs becomes the white score corresponding to that user. Furthermore, users with higher (better) white scores are permitted to engage in more favorable transactions (for example, they may be able to conduct higher-value transactions or have a wider range of NFTs available for trading).

[0057] The white score criteria shown in the example in Figure 7 include those that can be determined based on the user's NFT transaction history and user data obtained from services such as NFT marketplaces and fan communities. Users can improve their white score through NFT transactions on the service, thus promoting healthy transactions. In this way, the white score indicates the safety of a user on the service (indicating how safe a user is to other users on the service).

[0058] For example, white score criteria such as "listing NFTs at a fair price," "collecting multiple NFTs of the same genre," "having a difference between the number of NFTs sold and the number of NFTs purchased," and "taking a long time to sell purchased NFTs" are identified, for example, from user data and / or transaction history held by the NFT market server 400. Users who meet these white score criteria are likely not engaging in transactions for the purpose of reselling NFTs, for example, and are more likely to be creators or fans of NFT works in a particular genre or by a particular creator. Therefore, these white score criteria can be used to give preferential treatment to transactions involving such creators and fans, promoting the formation of a healthy trading market.

[0059] Furthermore, white score criteria such as "80% or more of trading partners have a 'good' rating," "there is a link to a social media account with 100 or more followers," and "the rating on other marketplaces is above a certain value" are identified, for example, from user data held by the NFT market server 400. Users who meet these white score criteria are highly likely to be continuously engaging in sound transactions. Therefore, these white score criteria can promote sound transactions by users.

[0060] Furthermore, the white score criteria shown in the example in Figure 7 include those that can be determined based on data such as user attributes. For example, a white score criterion such as "having submitted three or more certificates" relates to the amount of information about the user's attributes based on the user data provided to the digital asset trading support device 100. Therefore, by using these white score criteria, users can improve their white score by providing more information about their own financial health to the digital asset trading support system. This encourages users to strive to be more financially sound and to provide more information about their financial health, thereby promoting sound transactions. In addition, the white score criterion of "having submitted three or more certificates" can also increase the white score of users who have never traded NFTs in the past.

[0061] Furthermore, the white score determination rule management information 125 may include white score determination criteria related to the user's purpose of NFT transactions in the NFT marketplace. In addition, the white score determination rule management information 125 may include white score determination criteria related to the user's attributes, such as the user's date of birth, occupation (job type, position, etc.), and address.

[0062] Figure 8 shows an example of the data structure of the transaction determination rule management information 126. The transaction determination rule management information 126 associates, for example, the name of the service used in the transaction (to realize the transaction), the transaction details, and the transaction determination rule. In other words, when the transaction determination rule indicated by the transaction determination rule management information 126 is satisfied, the transaction indicated by the transaction details corresponding to that transaction determination rule is permitted in the service corresponding to that transaction determination rule.

[0063] As mentioned above, users with a higher risk score will have their trading options restricted, while users with a higher white score will receive preferential treatment in trading (such as higher permissible NFT trading amounts or the expansion of available NFTs, including the granting of premium badges). Thus, since the risk score was introduced to restrict trading by high-risk users who engage in activities such as money laundering and terrorist financing, and the white score was introduced to favor trading by users who are likely to engage in sound trading, it is desirable that trading judgment rules that include conditions related to the white score also include conditions related to the risk score (i.e., it is desirable not to offer preferential trading to the high-risk users mentioned above).

[0064] Furthermore, because the transaction determination rule management information 126 defines a combination of transaction details and transaction determination rules for each service name, traders and others can select the level of risk to tolerate according to the legal system, business practices, and transaction details for each service.

[0065] Figure 9 is a sequence diagram showing an example of the wallet name matching certificate issuance process. The user terminal 200 is assumed to have one or more KYC certificates pre-stored in the certificate information 222. These one or more KYC certificates are issued by the identity verification device 300 based on attribute information, etc., of the user of the user terminal 200 included in the customer information 321.

[0066] Furthermore, the KYC certificate issued by the identity verification device 300 is signed using the private key of the KYC issuer (i.e., the private key of the identity verification device 300, which is stored in the key management information 322). In addition, the public key corresponding to the private key of the identity verification device 300 is stored in the key management information 322 of the identity verification device 300 and the key management information 127 of the digital asset trading support device 100.

[0067] Furthermore, the key management information 127 of the digital asset trading support device 100 pre-stores a private key used for signing various certificates issued by the digital asset trading support device 100, and a public key corresponding to the private key used for verifying the signature.

[0068] The ID management unit 212 of the user terminal 200 selects the KYC certificate to be transmitted from the certificate information 222 according to the user's input to the input device 104 of the user terminal 200, and transmits the selected KYC certificate to the digital asset trading support device 100 (S110). The KYC processing unit 113 of the digital asset trading support device 100 executes KYC certificate verification processing (S120).

[0069] Figure 10 is a flowchart showing an example of the KYC certificate verification process in step S120. The KYC processing unit 113 verifies the signature attached to the KYC certificate received in step S110 using the public key of the identity verification device 300 stored in the key management information 127 (S121).

[0070] The KYC processing unit 113 determines whether the signature verification in step S121 was successful (S122). If the KYC processing unit 113 determines that the signature verification was successful (S122: success), it obtains the user ID included in the KYC certificate as the matching ID (S123). The KYC processing unit 113 generates a signature request regarding the linking of the wallet address and the matching ID (S124) and terminates the KYC certificate verification process.

[0071] If the KYC processing unit 113 determines that signature verification has failed (S122: failure), it outputs a notification to the user terminal 200 indicating that signature verification has failed (S125), and terminates the KYC certificate verification process and the wallet matching certificate issuance process.

[0072] Returning to the explanation of Figure 9, the KYC processing unit 113 of the digital asset trading support device 100 sends a signature request to the user terminal 200 (S130). The KYC processing unit 113 may also include data to be signed, such as a message digest, in the signature request. The ID management unit 212 of the user terminal 200 selects a wallet address from the wallet addresses of the wallet 221 to be included in the matching certificate, for example, according to input from the user to the input device 104 of the user terminal 200, and signs the data including the selected wallet address and the wallet public key corresponding to that wallet address using the wallet private key corresponding to that wallet address (if data to be signed is received in step S130, the data to be signed is signed using the wallet private key), and sends it to the digital asset trading support device 100 (S140). The wallet matching processing unit 112 of the digital asset trading support device 100 executes the wallet matching certificate generation process (S150).

[0073] Figure 11 is a flowchart showing an example of the wallet matching certificate generation process in step S150. The wallet matching processing unit 112 verifies the signature generated using the wallet private key attached to the data received in step S140 using the wallet public key contained in the data (S151).

[0074] The wallet matching processing unit 112 determines whether the signature verification in step S151 was successful (S152). If the wallet matching processing unit 112 determines that the signature verification was successful (S152: success), it generates a wallet matching certificate containing the wallet address and matching ID, signs the wallet matching certificate using the private key of the digital asset transaction support device 100 stored in the key management information 127 (S153), and terminates the wallet matching certificate generation process.

[0075] In step S153, the wallet matching processing unit 112 may associate the wallet address included in the data received in step S152 with the combination of the KYC certificate that was successfully verified in the KYC certificate verification process and the matching ID included in the KYC (i.e., the matching ID included in the wallet matching certificate) and store it in the KYC certificate management information 121.

[0076] If the wallet name matching processing unit 112 determines that signature verification has failed (S152: failure), it outputs a notification to the user terminal 200 indicating that signature verification has failed (S154), and terminates the wallet name matching certificate generation process and the wallet name matching certificate issuance process.

[0077] Returning to the explanation of Figure 9, the wallet matching processing unit 112 sends the signed wallet matching certificate to the user terminal 200 (S160), and terminates the wallet matching certificate issuance process. The ID management unit 212 of the user terminal 200 stores the wallet matching certificate received in step S160 in the certificate information 222.

[0078] Figure 12 shows an example of a KYC certificate. The KYC certificate 1200 includes, for example, metadata, certification information provided by the KYC certificate 1200, and the digital signature of the issuer of the KYC certificate 1200 (identity verification device 300). The metadata indicates, for example, the type of certificate, the issuer, and the issuance date. The certification information provided by the KYC certificate 1200 includes, for example, information about the user's user ID and attributes.

[0079] Figure 13 shows an example of a wallet matching certificate. The wallet matching certificate 1300 includes, for example, metadata, certification information by the wallet matching certificate 1300, and the digital signature of the issuer of the wallet matching certificate 1300 (digital asset trading support device 100).

[0080] The verification information provided by the wallet matching certificate 1300 includes, for example, the user ID (matching ID) included in the successfully verified KYC certificate, the wallet address of wallet 221 owned by the user with that user ID, and the blockchain network associated with wallet 221.

[0081] Furthermore, if multiple KYC certificates are sent in step S110 and the verification of multiple KYC certificates is successful in step S120, the certification information from the wallet matching certificate 1300 will indicate the user IDs of each of the multiple KYC certificates that were successfully verified. Also, if multiple wallet addresses are sent in step S140 and the verification of signatures generated using the private keys corresponding to each of the multiple wallet addresses is successful in step S150, the certification information from the wallet matching certificate 1300 will indicate the multiple wallet addresses that were successfully verified.

[0082] In the wallet matching certificate 1300, the KYC certificate's verification information is linked to the wallet address of wallet 221 owned by the user. Therefore, by using the wallet matching certificate 1300, it is possible to verify the identity and attributes of the owner of wallet 221.

[0083] In the example described above, the KYC certificate is issued by the identity verification device 300, but some or all of the KYC certificate may be issued by the digital asset trading support device 100. The KYC certificate issued by the digital asset trading support device 100 is signed using the private key of the digital asset trading support device 100 stored in the key management information 127, and the signature is verified using the public key (stored in the key management information 127) corresponding to the private key.

[0084] Figure 14 is a sequence diagram showing an example of the risk score certificate issuance process. The ID management unit 212 of the user terminal 200 transmits the wallet matching certificate stored in the certificate information 222 to the digital asset trading support device 100 (S210). The wallet matching processing unit 112 of the digital asset trading support device 100 executes the wallet matching certificate verification process (S220).

[0085] Figure 15 is a flowchart showing an example of the wallet matching certificate verification process in step S220. The wallet matching processing unit 112 verifies the signature using the private key of the digital asset trading support device 100 attached to the wallet matching certificate received in step S210 using the public key corresponding to the private key (stored in the key management information 127) (S221).

[0086] The wallet matching processing unit 112 determines whether the signature verification in step S221 was successful (S222). If the wallet matching processing unit 112 determines that the signature verification was successful (S222: success), it obtains the wallet address and information indicating the blockchain network associated with that wallet address from the wallet matching certificate (S223), and terminates the wallet matching certificate verification process. If the wallet matching processing unit 112 determines that the signature verification failed (S222: failure), it outputs a notification to the user terminal 200 indicating that the signature verification failed (S224), and terminates the wallet matching certificate verification process and the risk score certificate issuance process.

[0087] Returning to the explanation of Figure 14, the wallet matching processing unit 112 of the digital asset trading support device 100 notifies the data collection unit 111 of the wallet address obtained in step S223 (S230).

[0088] The data collection unit 111 collects the transaction history corresponding to the wallet address notified in step S230 (S240). The data collection unit 111 may connect to the blockchain network to collect the transaction history corresponding to the wallet address, or it may notify the NFT market server 400 of the wallet address and request the NFT market server 400 to collect the transaction history corresponding to the wallet address.

[0089] The data collection unit 111 outputs the transaction history collected in step S240 to the risk score processing unit 114 (S250). The risk score processing unit 114 executes the risk score certificate generation process (S260).

[0090] Figure 16 is a flowchart showing an example of the risk score certificate generation process in step S260. The risk score processing unit 114 refers to the information contained in the transaction history entered in step S250 and determines which risk score determination criteria for each risk category indicated by the risk score determination rule management information 124 are met, thereby determining the risk score for each risk category (S261).

[0091] The risk score processing unit 114 generates a risk score certificate that includes the risk score for each risk category determined in step S261 and the wallet address obtained in step S223 (for example, received from the wallet name matching processing unit 112). The unit then signs the risk score certificate using the private key of the digital asset trading support device 100 stored in the key management information 127 (S262), and terminates the risk score certificate generation process.

[0092] In step S262, the risk score processing unit 114 issues a certificate ID for the generated risk score certificate and stores the wallet address and blockchain network information obtained in step S223 (for example, received from the wallet matching processing unit 112), information indicating that the certificate type is a risk score certificate, the issuance date of the risk score certificate, and the certificate ID in the score certificate management information 122.

[0093] Returning to the explanation of Figure 14, the risk score processing unit 114 of the digital asset trading support device 100 sends the risk score certificate generated in step S260 to the user terminal 200 (S270), and terminates the risk score certificate issuance process. The ID management unit 212 of the user terminal 200 stores the risk score certificate received in step S270 in the certificate information 222.

[0094] Figure 17 shows an example of a risk score certificate. The risk score certificate 1700 includes, for example, metadata, certification information provided by the risk score certificate 1700, and the digital signature of the issuer of the risk score certificate 1700 (digital asset trading support device 100).

[0095] The certification information provided by Risk Score Certificate 1700 includes, for example, the wallet address, the blockchain network associated with that wallet address, the date and time the risk score was obtained, and the risk score for each risk category.

[0096] As described above, in the risk score certificate issuance process, risk score certificate 1700 is issued to users who have successfully verified their wallet name matching certificate. Therefore, risk score certificate 1700 can display the risk score while guaranteeing the identity of the owner of wallet 221 and the accuracy of the attributes shown in the KYC certificate.

[0097] Figure 18 is a sequence diagram showing an example of the white score certificate issuance process. The ID management unit 212 of the user terminal 200 transmits the wallet matching certificate stored in the certificate information 222 to the digital asset trading support device 100 (S310). The wallet matching processing unit 112 of the digital asset trading support device 100 executes the wallet matching certificate verification process (S320).

[0098] The wallet name matching certificate verification process in step S320 is the same as the wallet name matching certificate verification process in step S220 shown in Figure 15. However, in the wallet name matching certificate verification process in step S320, the wallet address and user ID (matching ID) are obtained from the wallet name matching certificate in step S223.

[0099] The wallet matching processing unit 112 of the digital asset trading support device 100 notifies the data collection unit 111 of the wallet address and user ID obtained in step S223 (S330).

[0100] The data collection unit 111 collects transaction history corresponding to the wallet address notified in step S230, and user data corresponding to the wallet address or user ID notified in step S230 (S240). The data collection unit 111 may connect to the blockchain network to collect transaction history corresponding to the wallet address, or it may notify the NFT market server 400 of the wallet address and request the NFT market server 400 to collect transaction history corresponding to the wallet address.

[0101] Furthermore, in step S240, the data collection unit 111 obtains a KYC certificate corresponding to the wallet address and user ID (matching ID) notified in step S230 from the KYC certificate management information 121, and obtains user data corresponding to the user ID from the issuer (customer information 321 held by the identity verification device 300) indicated by the metadata of the KYC certificate. The user's date of birth, address, and occupation are examples of user data obtained from the issuer.

[0102] Alternatively, for example, the data collection unit 111 may obtain user data by notifying the NFT market server 400 of the wallet address notified in step S230 and requesting the NFT market server 400 to transmit user data it possesses, such as information indicating the user's marketplace rating, listing price, and the genre of NFTs traded. Alternatively, for example, the data collection unit 111 may collect a KYC certificate (an example of user data) corresponding to the wallet address notified in step S230 from the KYC certificate management information 121.

[0103] The data acquisition unit 111 outputs the transaction history and user data collected in step S340 to the white score processing unit 115 (S350). The white score processing unit 115 executes the white score certificate generation process (S360).

[0104] Figure 19 is a flowchart showing an example of the white score certificate generation process in step S360. The white score processing unit 115 analyzes the data collected in step S350 using a predetermined algorithm and generates data as analysis results that allows for the determination of whether the white score judgment criteria indicated by the white score judgment rule management information 125 are met (S361).

[0105] Specifically, for example, the white score processing unit 115 analyzes the transaction history to obtain information about the digital assets owned and / or traded by the user (such as the number of NFTs sold and purchased, and the time elapsed until the purchased NFTs were sold), as well as user data, to identify the user's marketplace rating, NFT listing price, and NFTs traded, and includes the identified information in the analysis results.

[0106] The white score processing unit 115 refers to the transaction history and user entered in step S350, as well as the information included in the analysis results in step S361, to determine which white score determination criteria indicated by the white score determination rule management information 125 are met, and determines the white score according to the determination result (S362).

[0107] The white score processing unit 115 generates a white score certificate that includes the white score determined in step S362, the white score criteria that were met, and the wallet address obtained in step S223 (for example, received from the wallet name matching processing unit 112). The unit signs the white score certificate using the private key of the digital asset trading support device 100 stored in the key management information 127 (S363), and terminates the white score certificate generation process.

[0108] In step S362, the white score processing unit 115 issues a certificate ID for the generated white score certificate and stores the wallet address and blockchain network information obtained in step S223 (for example, received from the wallet name matching processing unit 112), information indicating that the certificate type is a white score certificate, the issuance date of the white score certificate, and the certificate ID in the score certificate management information 122.

[0109] Returning to the explanation of Figure 18, the white score processing unit 115 of the digital asset trading support device 100 sends the white score certificate generated in step S360 to the user terminal 200 (S370), and terminates the white score certificate issuance process. The ID management unit 212 of the user terminal 200 stores the white score certificate received in step S370 in the certificate information 222.

[0110] Figure 20 shows an example of a white score certificate. The white score certificate 2000 includes, for example, metadata, certification information provided by the white score certificate 2000, and the digital signature of the issuer of the white score certificate 2000 (digital asset trading support device 100).

[0111] The certification information provided by the White Score Certificate 2000 includes, for example, the wallet address, the blockchain network associated with that wallet address, the date and time the white score was obtained, the white score criteria that the user who owns wallet 221 at that wallet address must meet, and the white score itself.

[0112] As described above, in the white score certificate issuance process, white score certificate 2000 is issued to users who have successfully verified their wallet name matching certificate. Therefore, white score certificate 2000 can display the white score while guaranteeing the identity of the owner of wallet 221 and the correctness of the attributes shown in the KYC certificate.

[0113] Furthermore, the risk score certificate issuance process and the white score certificate issuance process may be executed each time the user terminal 200 performs a specific transaction, or they may be executed periodically (for example, monthly). In other words, the user terminal 200 may hold multiple valid risk score certificates and multiple valid white score certificates.

[0114] Figure 21 is a sequence diagram showing an example of digital asset trading processing. The digital asset management unit 211 of the user terminal 200 acquires information indicating the user's desired transaction details (for example, whether to buy or sell an NFT, the NFT to be traded, the service on which the NFT is traded, and the NFT trading price, etc.) in accordance with input from the user to the input device 104 of the user terminal 200, and transmits the acquired information indicating the desired transaction details, along with the risk score certificate and white score certificate stored in the certificate information 222, to the NFT market server 400 (S410).

[0115] Furthermore, if the certificate information 222 contains multiple risk certificates and multiple whitelist certificates, in step S410, the digital asset management unit 211 transmits the multiple risk certificates and multiple whitelist certificates to the NFT market server 400.

[0116] The NFT market server 400 transmits the information indicating the desired transaction details, the risk score certificate, and the white score certificate received in step S410 to the digital asset trading support device 100 (S420). The transaction determination unit 116 of the digital asset trading support device 100 executes the transaction determination process (S430).

[0117] Figure 22 is a sequence diagram showing an example of the transaction determination process in step S430. The transaction determination unit 116 verifies the validity and signature of the risk score certificate and whitelist certificate received in step S420 (S431).

[0118] Specifically, for example, the transaction determination unit 116 obtains a certificate ID from each of the received risk certificates and whitelist certificates. If the combination of the obtained certificate ID and the type of the certificate is not included in the score certificate revocation list 123, it determines that the certificate corresponding to the obtained ID is valid. If the combination is included in the score certificate revocation list 123, it determines that the certificate corresponding to the obtained ID is revoked (not valid).

[0119] Specifically, for example, the transaction determination unit 116 verifies the signatures using the private keys of the digital asset trading support device 100 attached to the received risk score certificate and whitelist certificate, respectively, using the public key corresponding to the private key (stored in the key management information 127).

[0120] The transaction determination unit 116 determines whether the validity verification and signature verification in step S431 were successful (S432). If there is a risk score certificate and a whitelist certificate for which both validity verification and signature verification were successful (S432: success), the transaction determination unit 116 obtains the service name indicated by the desired transaction content and the transaction determination rule corresponding to the transaction content from the transaction determination rule management information 126 (S433).

[0121] The transaction determination unit 116 determines whether a transaction is permissible (transaction is permissible if the transaction determination rule is met, and not permissible if it is not met) by determining whether the risk score indicated by the risk score certificate and the white score indicated by the white score certificate satisfy the conditions indicated by the transaction determination rule obtained in step S433 (S434). Since the wallet name matching certificate is verified when the risk score certificate and white score certificate are generated, if the verification of the risk score certificate and white score certificate in step S431 is successful, the condition "wallet address matching exists" included in the transaction determination rule in the example of transaction determination rule management information 126 in Figure 8 is satisfied.

[0122] In addition, there may be combinations of service names and transaction details that correspond to multiple transaction determination rules in the transaction determination rule management information 126. In this case, the transaction determination unit 116 acquires the multiple transaction determination rules in step S433, and in step S434, determines that a transaction is possible only if, for example, all of the multiple transaction determination rules are met.

[0123] The transaction determination unit 116 generates a transaction determination result (S435) that includes information indicating whether the transaction is permissible or not as determined in step S434, the transaction determination rule used (i.e., the transaction determination rule obtained in step S433), the risk score used to determine whether the transaction is permissible or not, and the white score used to determine whether the transaction is permissible or not, and then terminates the transaction determination process.

[0124] If there are no risk score certificates that have passed both validity verification and signature verification, or if there are no whitelist certificates that have passed both validity verification and signature verification (S432: failure), the transaction determination unit 116 outputs a notification to the user terminal 200 indicating that verification has failed (which may include information indicating which verification failed for which certificate) (S436), and terminates the transaction determination process and the digital asset transaction process. In step S436, the transaction determination unit 116 may output the notification to the user terminal 200 via the NFT market server 400.

[0125] Returning to the explanation of Figure 21, the transaction determination unit 116 of the digital asset trading support device 100 transmits the transaction determination result generated in step S430 to the NFT market server 400 (S440).

[0126] If the transaction determination result indicates that the transaction is valid, the NFT market server 400 instructs the blockchain network that approves and stores the NFT transaction to execute the transaction based on the desired transaction details, and receives information indicating the execution result of the transaction from the blockchain network that executed the transaction (S450). If the transaction determination result indicates that the transaction is not valid, the NFT market server 400 does not instruct the execution of the transaction.

[0127] The NFT market server 400 terminates the digital asset transaction process by sending the transaction determination result received in step S440 and the transaction execution result received in step S450 to the user terminal 200 (S460). If the transaction determination result indicates that the transaction is not possible, the NFT market server 400 sends the transaction determination result to the user terminal 200 in step S460, but does not send the transaction execution result to the user terminal 200.

[0128] Furthermore, the digital asset management unit 211 of the user terminal 200 may display the received transaction judgment results and transaction execution results on the display device 105 of the user terminal 200. By viewing the transaction judgment results displayed on the display device 105 of the user terminal 200, users of the user terminal 200 can recognize the transaction judgment rules used, risk score, white score, etc., and thereby encourage users who were able to make transactions to maintain or improve their risk score and white score so that they can make transactions in the future, and encourage users who were unable to make transactions to improve their risk score and white score so that they can make transactions in the future.

[0129] In the example described above, the NFT market server 400 transmits information indicating the desired transaction details to the digital asset trading support device 100. However, the NFT market server 400 does not need to transmit information indicating the desired transaction details to the digital asset trading support device 100. In this case, for example, the processing in step S433 is omitted, and in step S434, the transaction determination unit 116 obtains all transaction determination rules that satisfy the conditions regarding the risk score and white score from the transaction determination rule management information 126, and includes the obtained transaction determination rules in the transaction determination result instead of the information indicating whether the transaction is permissible and the transaction determination rule used. Furthermore, for example, the NFT market server 400 determines whether the transaction is permissible depending on whether the service name and transaction details of the transaction determination rule included in the transaction determination result correspond to the service name and transaction details indicated by the desired transaction details.

[0130] In summary, the digital asset trading support device 100 of this embodiment generates a wallet matching certificate that links the user ID of the KYC certificate with the wallet address, thereby enabling the user terminal 200 to prove the identity and authenticity of the user who owns the wallet 221.

[0131] Furthermore, the digital asset trading support device 100 issues a risk score certificate to users who have successfully verified their wallet name matching certificate, allowing the user terminal 200 to display a risk score while ensuring the identity of the wallet 221 owner and the accuracy of the attributes indicated by the KYC certificate.

[0132] Since the risk score includes the risk that a user may engage in fraudulent activities such as money laundering or terrorist financing through NFT transactions, the digital asset trading support device 100 can suppress the occurrence of fraudulent NFT transactions that could lead to such fraudulent activities by determining whether a user is allowed to trade based on the risk score. Therefore, it is possible to prevent users who wish to conduct legitimate transactions from becoming involved in such fraudulent transactions and to ensure the safety of such users, and ultimately enable users to trade digital assets with peace of mind even with parties they do not know.

[0133] Furthermore, since this risk score is a dynamic indicator that can be evaluated from transaction history and other data, users can improve their risk score through NFT trading, thereby improving the soundness of trading in the NFT market.

[0134] Furthermore, the digital asset trading support device 100 issues a white score certificate to users who have successfully verified their wallet name matching certificate, allowing the user terminal 200 to display the white score while ensuring the identity of the wallet 221 owner and the accuracy of the attributes indicated by the KYC certificate.

[0135] The white score increases as the user discloses more information about their personal attributes (for example, the more user data they have, such as KYC certificates submitted to the digital asset trading support device 100 or information about other marketplaces), and as the user's behavior on the NFT marketplace becomes more sound. Therefore, the digital asset trading support device 100 can determine whether a user is eligible to trade based on the white score, thereby providing preferential NFT trading to users who disclose more information or who have behaved soundly.

[0136] Furthermore, the white score is a dynamic indicator that can be evaluated from transaction history, user data on the NFT marketplace, and user data such as KYC certificates. Therefore, users can improve their white score by trading NFTs and submitting user data such as KYC certificates, which will lead to an increase in the number of users submitting KYC certificates and improve the soundness of transactions in the NFT market via the NFT marketplace.

[0137] In this embodiment, the private and public key pairs used for signing and verifying the wallet matching certificate, risk score certificate, and white score certificate are the same, but different key pairs may be used in at least some cases. For example, the digital asset trading support device 100 may maintain different key pairs for signing and verifying the wallet matching certificate, for signing and verifying the risk score certificate, and for signing and verifying the risk score certificate, respectively.

[0138] It should be noted that the present invention is not limited to the embodiments described above, and various modifications are included. For example, the embodiments described above are described in detail to make the present invention easier to understand, and are not necessarily limited to those having all the configurations described. It is also possible to replace parts of the configuration of one embodiment with the configuration of another embodiment, and it is also possible to add configurations from other embodiments to the configuration of one embodiment. Furthermore, it is possible to add, delete, or replace parts of the configuration of each embodiment with other configurations.

[0139] Furthermore, each of the above configurations, functions, processing units, and processing means may be implemented in hardware, either partially or entirely, by designing them as integrated circuits, for example. Alternatively, each of the above configurations and functions may be implemented in software by having the processor interpret and execute programs that implement each function. Information such as programs, tables, and files that implement each function can be stored in memory, a recording device such as a hard disk or SSD (Solid State Drive), or a recording medium such as an IC card, SD card, or DVD.

[0140] Furthermore, the control lines and information lines shown are those deemed necessary for explanatory purposes, and not all control lines and information lines are necessarily shown in the actual product. In reality, it is safe to assume that almost all components are interconnected. [Explanation of Symbols]

[0141] 100 Digital asset trading support device, 101 CPU, 102 Memory, 103 Auxiliary storage device, 104 Input device, 105 Display device, 106 Communication device, 111 Data collection unit, 112 Wallet name matching processing unit, 113 KYC processing unit, 114 Risk score processing unit, 115 White score processing unit, 116 Transaction judgment unit, 121 KYC certificate management information, 122 Score certificate management information, 123 Score certificate revocation list, 124 Risk score judgment rule management information, 125 White score judgment rule management information, 126 Transaction judgment rule management information, 127 Key management information, 200 User terminal, 300 Identity verification device, 400 NFT market server

Claims

1. An information processing device, Equipped with a processor and memory, The memory holds transaction determination rules that indicate conditions for a score used to determine whether or not a digital asset can be traded, The aforementioned score is evaluated based on the user's transaction history of the digital assets. The aforementioned processor, Upon receiving a score certificate showing the aforementioned score of the user, The score indicated in the aforementioned score certificate and the conditions indicated in the aforementioned transaction determination rules are compared to determine whether the digital asset is tradable. The system outputs information indicating whether the transaction is permissible or not, The aforementioned score includes a risk score. The aforementioned score certificate includes a risk score certificate showing the aforementioned risk score, The aforementioned risk score is evaluated based on the transaction history of the digital assets by the user and is a score relating to the risk of the user committing a predetermined fraudulent act. The processor compares the risk score indicated by the risk score certificate with the conditions indicated by the transaction decision rule to determine whether the digital asset is tradable. The aforementioned score includes the white score, The aforementioned score certificate includes a white score certificate showing the aforementioned white score, The white score is evaluated based on at least one of the user's transaction history of the digital assets, first user data relating to the user in the service used for trading the digital assets, and second user data relating to the user's attributes, and represents the risk to the safety of the user to other users in the service. The processor is an information processing device that determines whether or not to trade the digital asset by comparing the risk score indicated in the risk score certificate and the white score indicated in the white score certificate with the conditions indicated in the trading determination rule.

2. An information processing device according to Claim 1, An information processing device that provides a score relating to at least one of the following: a risk evaluated based on the user's attributes identified from the transaction history; a risk evaluated based on the details of the transactions made by the user identified from the transaction history; and a risk evaluated based on the user's trading partners identified from the transaction history.

3. An information processing apparatus according to Claim 1, An information processing device in which the white score is evaluated based on at least one of the following: an evaluation of the user's transactions of the digital assets through the service, identified from the first user data; the transaction history and / or the details of the transactions made by the user through the service, identified from the first user data; and the amount of information about the user's attributes indicated by the second user data provided to the information processing device.

4. An information processing device according to Claim 1, The memory stores the transaction judgment rules for each transaction of the user, The aforementioned transaction determination rules are defined such that the greater the risk indicated by the risk score, the more restricted the transaction content will be, and the higher the white score, the more favorable the transaction content will be. The aforementioned processor, Upon receiving the user's desired transaction details, Identify transaction determination rules corresponding to the aforementioned desired transaction details, An information processing device that determines whether or not to trade the digital asset by comparing the risk score indicated in the risk score certificate and the white score indicated in the white score certificate with the conditions indicated in the identified trading determination rule.

5. An information processing device according to claim 4, The processor is an information processing device that outputs information indicating whether the transaction is permissible or not, and the identified transaction determination rule.

6. An information processing device, Equipped with a processor and memory, The memory holds transaction determination rules that indicate conditions for a score used to determine whether or not a digital asset can be traded, The aforementioned score is evaluated based on the user's transaction history of the digital assets. The aforementioned processor, Upon receiving a score certificate showing the aforementioned score of the user, The score indicated in the aforementioned score certificate and the conditions indicated in the aforementioned transaction determination rules are compared to determine whether the digital asset is tradable. The system outputs information indicating whether the transaction is permissible or not, The information processing device is connected to a network that executes the trading of the digital assets, The aforementioned processor, The wallet address of the wallet used to store the user's digital assets is obtained, and the score certificate generation process is executed. In the score certificate generation process, Based on the wallet address, the transaction history of the digital assets by the user is collected from the network. Based on the transaction history collected, the score is evaluated. Generate and output a score certificate containing the evaluated score. The memory holds a first verification key for verifying the signature assigned to the wallet matching certificate using the first signing key, The aforementioned processor, The wallet address and the user ID included in the user's KYC (Know Your Customer) certificate are shown, and the wallet matching certificate with the signature is received. The signature attached to the received wallet matching certificate is verified using the first verification key. An information processing device that, upon successful verification of the signature, obtains the wallet address from the wallet matching certificate and executes the score certificate generation process.

7. An information processing device according to claim 6, The aforementioned KYC certificate is signed using a second signing key owned by the issuer of the aforementioned KYC certificate. The memory holds the first signing key and a second verification key for verifying the signature granted using the second signing key. The aforementioned processor, Upon receiving the aforementioned KYC certificate, The signature attached to the received KYC certificate is verified using the second verification key. If the verification of the signature attached to the received KYC certificate is successful, Obtain the user ID from the KYC certificate, The wallet address, the wallet public key corresponding to the wallet address, the signature generated using the wallet private key corresponding to the wallet public key, and the received The signature generated using the aforementioned wallet private key is verified using the aforementioned wallet public key. If the verification of the signature generated using the aforementioned wallet private key is successful, An information processing device that generates and outputs a wallet matching certificate including the wallet address and the acquired user ID.

8. An information processing method using an information processing device, The aforementioned information processing device has a processor and memory, The memory holds transaction determination rules that indicate conditions for a score used to determine whether or not a digital asset can be traded, The aforementioned score is evaluated based on the user's transaction history of the digital assets. The aforementioned information processing method is The processor receives a score certificate indicating the user's score, The processor compares the score indicated by the score certificate with the conditions indicated by the transaction determination rule to determine whether the digital asset is tradable. The processor outputs information indicating whether the transaction is permissible or not, The aforementioned score includes a risk score. The aforementioned score certificate includes a risk score certificate showing the aforementioned risk score, The aforementioned risk score is evaluated based on the transaction history of the digital assets by the user and is a score relating to the risk of the user committing a predetermined fraudulent act. The information processing method involves the processor comparing the risk score indicated by the risk score certificate with the conditions indicated by the transaction determination rule to determine whether the digital asset is tradable. The aforementioned score includes the white score, The aforementioned score certificate includes a white score certificate showing the aforementioned white score, The white score is evaluated based on at least one of the user's transaction history of the digital assets, first user data relating to the user in the service used for trading the digital assets, and second user data relating to the user's attributes, and represents the risk to the safety of the user to other users in the service. The information processing method is an information processing method in which the processor compares the risk score indicated in the risk score certificate and the white score indicated in the white score certificate with the conditions indicated in the transaction determination rule to determine whether or not the digital asset can be traded.

9. An information processing method using an information processing device, The aforementioned information processing device has a processor and memory, The memory holds transaction determination rules that indicate conditions for a score used to determine whether or not a digital asset can be traded, The aforementioned score is evaluated based on the user's transaction history of the digital assets. The aforementioned information processing method is The processor receives a score certificate indicating the user's score, The processor compares the score indicated by the score certificate with the conditions indicated by the transaction determination rule to determine whether the digital asset is tradable. The processor outputs information indicating whether the transaction is permissible or not, The information processing device is connected to a network that executes the trading of the digital assets, The aforementioned information processing method is The processor obtains the wallet address of the wallet used to store the user's digital assets and executes a score certificate generation process. In the score certificate generation process, The processor collects the transaction history of the digital assets by the user from the network based on the wallet address. The processor evaluates the score based on the collected transaction history, The processor generates and outputs a score certificate containing the evaluated score. The memory holds a first verification key for verifying the signature assigned to the wallet matching certificate using the first signing key, The aforementioned information processing method is The processor indicates the wallet address and the user ID included in the user's KYC (Know Your Customer) certificate, and receives the signed wallet matching certificate. The processor verifies the signature attached to the received wallet matching certificate using the first verification key. An information processing method comprising: if the processor successfully verifies the signature, obtaining the wallet address from the wallet matching certificate and executing the score certificate generation process.

Images