Methods and computers that are performed by computers

Abstract

The present invention improves convenience by reducing the inconvenience of a transaction of a cryptographic asset, even if time is required for approval of said transaction. A mediation system according to this disclosure is for mediating between a first user who is transmitting a cryptographic asset, and a second user. The mediation system is configured to perform processing for, when a transaction of transmission of a cryptographic asset to an account for receiving the cryptographic asset transmitted from the first user is detected, guaranteeing or implementing payment to the second user before approval of the transaction is completed.

Description

Intermediation system, computer-implemented method, and computer program

[0001] This disclosure relates to an intermediation system, a computer-implemented method, and a computer program. This application claims priority to Japanese Patent Application No. 2024-071725, filed April 25, 2024, and incorporates by reference all of the contents of said Japanese application.

[0002] Cryptocurrency transactions are recorded in a distributed ledger system such as a blockchain. When a cryptocurrency transaction, such as sending a cryptocurrency, occurs, a transaction (transaction data) is generated. The transaction is mined by a miner and approved. Once approved, the transaction is added to a new block on the blockchain. Once the transaction is approved, the cryptocurrency transaction is completed.

[0003] Patent No. 6931951

[0004] Crypto assets are sometimes used in transactions such as buying and selling and remittance between a first user and a second user. However, there is a problem in that it generally takes time for a crypto asset transaction to be approved on a blockchain. For example, it may take about an hour for a transaction to be approved.

[0005] If it takes a long time to approve a transaction, it may take a long time to complete buying, selling, transferring, etc. using crypto assets, which may cause inconvenience to the first user or the second user.

[0006] Therefore, even if it takes a long time for cryptocurrency transactions to be approved, it is desirable to reduce this inconvenience and increase convenience.

[0007] One aspect of the present disclosure is a system, which is an intermediary system that mediates between a first user who sends crypto assets and a second user, and is configured to perform a process that includes, upon detecting a transaction of sending crypto assets to an account for receiving the crypto assets sent from the first user, guaranteeing or making a payment to the second user before approval of the transaction is completed.

[0008] Another aspect of the present disclosure is a method for mediating between a first user transmitting crypto assets and a second user, the method including, upon detecting a transaction of transmitting crypto assets from the first user to an account for receiving the crypto assets, effecting or ensuring payment to the second user before approval of the transaction is complete.

[0009] Another aspect of the present disclosure is a computer program that causes a computer to execute a process to mediate between a first user who sends a crypto asset and a second user, the process including, upon detecting a transaction of sending a crypto asset to an account for receiving the crypto asset sent from the first user, making or guaranteeing payment to the second user before approval of the transaction is completed.

[0010] Further details will be described in the following embodiments.

[0011] FIG. 1 is a network configuration diagram of an intermediary system, etc. FIG. 2 is a flowchart showing the processing procedures in the intermediary system. FIG. 3 is a diagram showing an example of the provision of products / services using crypto assets. FIG. 4 is a flowchart showing the procedures for an example of the provision of products / services using crypto assets. FIG. 5 is a diagram showing a comparative example of the provision of products / services using crypto assets. FIG. 6 is a diagram showing an example of the remittance of crypto assets. FIG. 7 is a flowchart showing the procedures for an example of the remittance of crypto assets. FIG. 8 is a diagram showing a comparative example of the remittance of crypto assets. FIG. 9 is an explanatory diagram of transaction occurrence detection in a blockchain. FIG. 10 is an explanatory diagram of transaction approval completion detection in a blockchain.

[0012] 1. Overview of the intermediation system, computer-implemented method, and computer program

[0013] (1) A system according to an embodiment may be an intermediary system that mediates between a first user who transmits crypto assets and a second user. The intermediary system according to an embodiment may be configured to execute a process that, upon detecting a transaction of transmitting crypto assets to an account for receiving the crypto assets transmitted from the first user, guarantees or makes payment to the second user before approval of the transaction is complete. According to the intermediary system according to an embodiment, even if approval of the transaction takes time, payment to the second user is made or guaranteed before approval of the transaction is complete, thereby improving convenience.

[0014] (2) Ensuring payment to the second user may include sending a notification to the second user.

[0015] (3) The process may include, after sending the notification, the intermediary system sending crypto assets or other value data to the second user's account for making a payment to the second user.

[0016] (4) Making the payment to the second user may include the intermediary system sending crypto assets or other value data to the second user's account.

[0017] (5) A method according to an embodiment may be a computer-implemented method executed by a computer to mediate between a first user who transmits crypto assets and a second user. The computer-implemented method according to an embodiment may include, upon detecting a transaction of transmitting crypto assets from the first user to an account for receiving the crypto assets, making or guaranteeing payment to the second user before approval of the transaction is completed.

[0018] (6) Ensuring payment to the second user may include sending a notification to the second user.

[0019] (7) A method according to an embodiment may be a computer-implemented method executed by a computer for selling a product or service using the method according to (5) above. The computer-implemented method according to an embodiment may include processing the provision of the product or service to the first user once payment to the second user is guaranteed or effected by the method according to (5) above.

[0020] (8) Making a payment to the user may include the system managing the account sending cryptocurrency or other value data to the second user's account.

[0021] (9) A computer program according to an embodiment may cause a computer to execute a process that, when detecting a transaction of sending a crypto asset to an account for receiving the crypto asset sent from the first user to mediate between the first user and a second user, makes or guarantees payment to the second user before approval of the transaction is completed. The computer program may be stored in a non-transitory computer-readable storage medium.

[0022] 2. Examples of Intermediary System, Computer-Implemented Method, and Computer Program

[0023] Hereinafter, the embodiments will be described in more detail with reference to the drawings.

[0024] 1 shows an intermediary system 10 according to an embodiment and elements related to the intermediary system 10. The intermediary system 10 mediates commercial transactions involving the transmission of crypto assets between a first user 51 and a second user 52. Commercial transactions involving the transmission of crypto assets include, for example, the sale of goods / services or remittance of money. Crypto assets are used in commercial transactions mediated by the intermediary system 10.

[0025] Crypto assets are digital assets managed using distributed ledger technology such as blockchain. Crypto assets are tokens such as Bitcoin, Ethereum, NEM, or Ripple. Crypto assets may also be stablecoins or central bank digital currencies (CBDCs). Crypto assets may also be referred to as virtual currencies.

[0026] Users 51 and 52, for example, use terminals 31 and 32 to conduct commercial transactions. If the commercial transaction is the sale of a product / service, first user 51 may be a purchaser (consumer) of the product / service, and second user 52 may be a seller of the product / service. Terminals 31 and 32 may be connected to intermediary system 10 via network 15. Terminals 31 and 32 are capable of communicating with intermediary system 10.

[0027] When the transaction is the sale of a product / service, the terminal 31 may be, for example, a smartphone, tablet, or personal computer owned by a first user 51 who is a consumer of the product / service. The terminal 32 may be a smartphone, tablet, personal computer, unmanned vending machine, or other computer for providing the product / service online, such as an online shop or online game, installed in a store owned by a second user 52 who is a seller of the product / service.

[0028] When the transaction is a money transfer, the terminal 31 may be, for example, a smartphone, tablet, or personal computer owned by a first user 51 who is the sender, and the terminal 32 may be, for example, a smartphone, tablet, or personal computer owned by a second user 52 who is the recipient. The computers used by the users 51 and 52 do not need to be client terminals, but may also be server computers.

[0029] The intermediation system 10 may be configured as a server 10 on a network 15. The server 10 executes processing for mediating commercial transactions between a first user 51 and a second user 52. The server 10 may be configured by one or more computers each including a processor and a storage device connected to the processor. As an example, the server 10 may be configured by a cloud server.

[0030] The storage device of the server 10 includes, for example, a primary storage device and a secondary storage device. The primary storage device is, for example, RAM. The secondary storage device is, for example, a hard disk drive (HDD) or a solid-state drive (SSD). The storage device includes a computer program executed by the processor. The processor of the server 10 reads and executes the computer program stored in the storage device. The computer program has program code representing instructions for causing a computer to operate as the intermediation system 10 according to the embodiment.

[0031] The server 10 is capable of communicating with terminals 31 and 32 (user computers) via a network 15 .

[0032] A first user 51 may transmit crypto assets on a distributed ledger system such as the blockchain 20 as a commercial transaction with a second user 52. Here, the first user 51 is the sender (payer) of the crypto assets. The second user 52 is normally the recipient (payee) of the transmitted crypto assets, but in the embodiment, the second user 52 is not the direct recipient of the crypto assets transmitted by the first user 51. In the embodiment, the crypto assets transmitted by the first user 51 are received by the intermediary system 10. That is, the crypto assets are transmitted from the account of the first user 51 to an account (receiving account) of the intermediary system 10. Instead of receiving the crypto assets directly from the first user 51, the second user 52 receives value data equivalent to the crypto assets transmitted by the first user 51 from the intermediary system 10.

[0033] When the first user 51 performs an operation to send crypto assets on the terminal 31, a transaction (transaction data) occurs on a distributed ledger system such as a blockchain (see step S201 in FIG. 2 and FIG. 9). The transaction that occurs here is transaction data indicating that crypto assets have been sent from the account of the first user 51 to a receiving account. The transaction is approved by being mined. Once the transaction is approved, the sending of the crypto assets is completed (see FIG. 10). However, it may take a long time from the time the transaction occurs until it is approved.

[0034] The intermediary system 10 according to the embodiment supports the smooth execution of commercial transactions involving transaction approval, which can take a long time, by acting as an intermediary between the first user 51 and the second user 52. To this end, the intermediary system 10 monitors whether a transaction involving a receiving account has occurred, and if a transaction has occurred, it considers the transmission of crypto assets to be completed without waiting for transaction approval.

[0035] The intermediary system 10 considers the transmission of the crypto asset to be complete even if the transmission is not actually complete, and executes the processing required to complete the commercial transaction between the first user 51 and the second user (step S202 in FIG. 2). For example, the intermediary system 10 guarantees payment to the second user 52, who is the intended recipient of the transmitted crypto asset, and executes the payment of the second user 52 (step S202). As a result, even if the transmission of the crypto asset by the first user 51 is not complete, the second user 52 can take the next action assuming that the transmission is complete. Furthermore, the intermediary system 10 can execute the processing for the next action assuming that the transmission is complete.

[0036] The next action is, for example, an action in the commercial transaction involving the transmission of crypto assets, or an action in another commercial transaction. The action in the commercial transaction involving the transmission of crypto assets is, for example, the provision of a product / service in exchange for the transmitted crypto assets. The intermediary system 10 may execute processing for the provision of the product / service. In this case, the second user 52 can provide the product / service to the first user 51 promptly. As a result, the convenience for the first user 51 is increased. Note that the high level of convenience for the first user 51 can also be reflexively perceived as the high level of convenience for the second user 52.

[0037] The next action in another commercial transaction is, for example, an action in another commercial transaction that uses the remittance as payment or remittance source. The intermediation system 10 may execute processing for (intermediating) the other commercial transaction. In this case, the second user 52 can use the remittance early. As a result, convenience for the second user 52 is increased. Note that the high level of convenience for the second user 52 can also be reflexively perceived as the high level of convenience for the first user 51.

[0038] As described above, by using the intermediary system 10, commercial transactions between the first user 51 and the second user 52 can be completed quickly, thereby increasing convenience for the first user 51 or the second user 52.

[0039] In addition, when a transaction involving a receiving account occurs, the intermediary system 10 may, as necessary, check the credit information of the first user 51, and if the first user 51 is trustworthy, execute processing for the next action. Furthermore, since the transaction that occurred includes the quantity of crypto assets sent, it may be determined whether the required quantity of crypto assets has been sent prior to executing processing for the next action. Since the transaction that occurred also includes the sending account, it may also be confirmed that the sending account prior to executing processing for the next action.

[0040] 3 and 4 show an example of the procedure when the intermediary system 10 mediates the provision of goods / services in exchange for payment of crypto assets. In FIGS. 3 and 4, the first user 51 is shown as a "consumer" and the second user 52 is shown as a "business operator."

[0041] 4, consumer 51 operates terminal 31 (performs a payment initiation action) to start the payment process (step S401) to purchase a product / service from merchant 52. Note that the start of the payment process may also be performed by merchant 52 operating terminal 32 (performing a payment initiation action).

[0042] When an action to start payment is taken, the intermediary system 10 sets a receiving address (receiving account) for receiving crypto assets from the consumer 51 (step S402). The receiving account is an account through which the intermediary system 10 receives crypto assets. The receiving account is, for example, a wallet address (intermediary wallet address: see Figures 3 and 9) set by the administrator (intermediary) of the intermediary system on the blockchain 20. The receiving account is an account different from the account of the merchant 52 (second user).

[0043] The receiving account may be, for example, a disposable account used for one-time receiving or a reusable account used for multiple receiving. The receiving account may be appropriately selected from multiple accounts or may be preset.

[0044] The receiving account is notified to the consumer 51, who is the sender of the crypto asset. For example, the intermediary system 10 transmits the receiving account to the trader terminal 32 (step S403), and the trader 52 notifies the consumer 51. For example, the trader terminal 32 displays a two-dimensional code indicating the receiving account, and the consumer terminal 31 reads the two-dimensional code, thereby allowing the consumer terminal 31 to obtain the receiving account. The receiving account may be transmitted from the trader terminal 32 to the consumer terminal 31 via wireless communication such as near-field wireless communication.

[0045] The receiving account may also be sent from the intermediary system 10 to the consumer terminal 31 (step S404).

[0046] The consumer 51 operates the consumer terminal 31 that has acquired the receiving account (intermediary wallet address) to send the cryptocurrency required to purchase the product / service to the receiving account (step S405 in FIGS. 3 and 4). The quantity of cryptocurrency to be sent is, for example, the quantity of cryptocurrency equivalent to the price of the product / service, or the quantity of cryptocurrency equivalent to the total amount of the price of the product / service plus the intermediary's commission or other commission.

[0047] When the consumer 51 performs an operation to send crypto assets on the terminal 31, a transaction occurs. The transaction that occurs here is a transaction of sending crypto assets from the wallet address of the consumer 51 to the intermediary wallet address, which is the receiving account. The intermediary system 10 monitors the blockchain to detect the occurrence of a transaction that includes the receiving account as the destination (see Figure 9; transaction monitoring). When the intermediary system 10 detects a transaction that includes the receiving account as the destination (step S406), it executes a process to guarantee payment to the dealer 52 before approval of the transaction is completed (before the transmission of the crypto assets is completed). The process of guaranteeing payment to the dealer 52 is, for example, the transmission of a transmission confirmation notice from the intermediary system 10 to the dealer terminal 32 (step S407 in Figures 3 and 4).

[0048] The transmission confirmation notice is, for example, a notice informing the trader 52 that crypto assets have been sent from the consumer 51. The intermediary system 10 guarantees payment of the amount equivalent to the crypto assets sent by the consumer 51 to the trader 52 that received the transmission confirmation notice. Therefore, the trader 52 that received the transmission confirmation notice can provide products / services to the consumer 51 with peace of mind, even before the transaction approval is complete, because payment is guaranteed by the intermediary system 10 (intermediary) (step S408 in Figures 3 and 4). The process of providing products / services to the consumer 51 may be executed by the intermediary system 10.

[0049] Thereafter, the intermediary system 10 detects that the transaction has been approved (transmission completed) (step S409; see FIG. 10). When the completion of transmission is detected in step S409, the cryptocurrency transmitted from the consumer 51 is received in the account. The intermediary system 10 transmits value data equivalent to the cryptocurrency transmitted from the consumer 51 to the account of the agent 52 (remittance processing; step S410).

[0050] The value data sent to the account of the trader 52 may be the same type of cryptocurrency as the cryptocurrency received in the receiving account (intermediary wallet address), or it may be a different type of cryptocurrency, or it may be a transmission of other electronic value data (e.g., a bank transfer of fiat currency).

[0051] The value data transmitted from the intermediary system 10 to the trader 52 is the amount equivalent to the crypto asset received from the consumer 51 in the receiving account. The value data equivalent to the received crypto asset may be the same amount as the received crypto asset, or may be the amount obtained by subtracting a fee from the received crypto asset.

[0052] The remittance process in step S410 may be executed at the time of step S407. That is, the remittance process may be executed at the time when a transaction has occurred but not yet been approved. In this case, the intermediary system 10 will have remitted the crypto asset to the business operator 52 on behalf of the consumer 51 before the crypto asset has been completely transferred from the consumer 51. The value data transmitted in this remittance may be crypto asset or other value data.

[0053] Furthermore, if the value data to be remitted on behalf of a consumer is a cryptocurrency, it may take time to approve the remittance transaction. However, if the remittance transaction is conducted by an intermediary system 10 that is more trustworthy than an individual consumer 51, the trader 52 can provide the goods / services to the consumer 51 with peace of mind.

[0054] If the terminal 32 of the business operator 52 is a vending machine 32, the consumer 51 can select a product from the vending machine 32 and pay for the selected product with cryptocurrency (step S405). In this case, once the occurrence of the transaction of sending the cryptocurrency is confirmed, the vending machine 32 dispenses the selected product (step S408). Therefore, the consumer 51 can quickly obtain the product without waiting for transaction approval.

[0055] If the terminal 32 of the merchant 52 is a real game machine 32, the consumer 51 transmits crypto assets equivalent to the game fee (step S405). In this case, once the transaction of transmitting the crypto assets is confirmed, the game machine 32 starts playing the game. Therefore, the consumer 51 can quickly start playing the game without waiting for transaction approval.

[0056] If the service provided by the provider 52 is a paid online game, the consumer 51 transmits crypto assets equivalent to the game fee (step S405). In this case, once the transaction of transmitting the crypto assets is confirmed, the online game system 32 starts playing the game. Therefore, the consumer 51 can quickly start playing the game without waiting for transaction approval.

[0057] When the merchant 52 sells a product on the online shop 32, the consumer 51 can select the product on the online shop 32 and pay for the selected product with cryptocurrency (step S405). In this case, once the transaction of sending the cryptocurrency is confirmed, the online shop 32 executes a process to deliver the selected product to the consumer 51 (step S408). Therefore, the consumer 51 can quickly complete the purchase of the product.

[0058] FIG. 5 shows a comparative example of the provision of goods / services through payment of crypto assets. In this comparative example, the intermediary system 10 is not used. In this comparative example, a consumer 51 directly transmits crypto assets to a merchant 52 (step S501). When the consumer 51 transmits the crypto assets, a transaction for the transmission occurs. The merchant 52 waits for approval of the transaction, which takes time. Once approval of the transaction is complete, the merchant 52 is in a state of having received the crypto assets transmitted by the consumer 51 (step S502). The merchant 52 then provides the goods / services to the consumer 51 (step S503). In this comparative example, the goods / services are provided to the consumer after the transaction is approved. As a result, it takes time to provide the goods / services to the consumer, resulting in low consumer convenience.

[0059] Furthermore, when the intermediary system 10 is not used as in the comparative example, it is not impossible for the trader 52 to provide a product / service to the consumer before the transaction is approved. However, in this case, the trader 52 bears the risk, and the convenience of the trader 52 decreases. On the other hand, when the intermediary system 10 according to the embodiment is used, the risk of the trader 52 is reduced, and the convenience of the trader is ensured while the convenience of the consumer 51 is also increased.

[0060] 6 and 7 show an example of the procedure when the intermediary system 10 mediates the remittance of crypto assets. In Fig. 6 and Fig. 7, the first user 51 is shown as the "sender" of the crypto assets, and the second user 52 is shown as the "receiver."

[0061] 7, the sender 51 operates the terminal 31 (executes a remittance start action) to start processing for remittance to the recipient 52 (step S701). As shown in FIG. 7, step S701 is also a transmission intermediation request from the terminal 31 to the intermediation system 10.

[0062] After step S701, the intermediary system 10 sets a receiving address (receiving account) (step S702). For step S702 and the receiving account, the explanation for step S402 and the receiving account in step S402 is cited.

[0063] The receiving account is sent, for example, from the intermediary system 10 to the sender terminal 31 (step S703).

[0064] The sender 51 operates the sender terminal 31 that has acquired the receiving account (intermediary wallet address) to send crypto assets equivalent to the amount they wish to remit to the receiving account (step S704 in FIGS. 6 and 7). The quantity of crypto assets to be sent is, for example, the same quantity of crypto assets as the amount they wish to remit, or the quantity of crypto assets equivalent to the total amount obtained by adding the intermediary's commission or other commission to the quantity of crypto assets equivalent to the amount they wish to remit.

[0065] When the sender 51 performs an operation to send crypto assets on the terminal 31, a transaction occurs. The transaction that occurs here is a transaction of sending crypto assets from the wallet address of the sender 51 to the intermediary wallet address, which is the receiving account. The intermediary system 10 monitors the blockchain to detect the occurrence of a transaction that includes the receiving account as the destination (see Figure 9; transaction monitoring). When the intermediary system 10 detects a transaction that includes the receiving account as the destination (step S705), it executes a remittance process to advance payment to the receiver 52 before the transaction is approved (before the transmission of the crypto assets is completed) (step S706). This allows the receiver 52 to receive the remittance before the transaction is approved (step S707). Once the transaction is approved, the intermediary system 10 can collect the advance payment (step S708).

[0066] The advance remittance process in step S706 involves sending value data equivalent to the cryptocurrency sent from the sender 51 to the account of the recipient 52. The value data sent to the account of the recipient 52 may be the same type of cryptocurrency as the cryptocurrency received in the receiving account (intermediary wallet address), or may be a different type of cryptocurrency, or may be the transmission of other electronic value data (for example, a bank transfer of legal tender).

[0067] The value data transmitted from the intermediary system 10 to the receiver 52 is the amount equivalent to the crypto asset received in the receiving account from the sender 51. The value data equivalent to the received crypto asset may be the same amount as the received crypto asset, or may be the amount obtained by subtracting a fee from the received crypto asset.

[0068] Furthermore, if the value data to be remitted on behalf of the recipient is cryptocurrency, it may take time to approve the remittance transaction, but if the remittance transaction is conducted by an intermediary system 10 that is more trustworthy than an individual sender 51, the recipient 52 can feel at ease early on.

[0069] In addition, if the intermediary system 10 also provides a wallet application service that manages the accounts of users such as the recipient 52, the balance of crypto assets displayed in the user's wallet application before the transaction is approved may be set to the balance at the time of completion after the transaction is approved.

[0070] For example, suppose that the balance of crypto assets in the wallet address (recipient account) of recipient 52 is X, and then sender 51 sends Y crypto assets. In this case, intermediary system 10 can set the balance of crypto assets displayed in the wallet application of recipient 52 to (X + Y) before completing approval of the sending transaction for Y.

[0071] Of the crypto asset balance (X + Y) displayed before transaction approval, an amount equivalent to Y can be secured by crypto assets held by the intermediary system 10 (intermediary). Even before the sender 51 approves the sending transaction of Y, the recipient 52 can perform an operation on the wallet application to send crypto assets in an amount greater than X, within the range of (X + Y). In this case, the recipient 52 can use the crypto asset sent from the sender 51 before actually receiving it (before the transaction is approved).

[0072] For example, the recipient 52 can perform an operation to send crypto assets of (X+Y) to a third party's wallet address. In this case, the actual owner of the crypto asset Y of (X+Y) is the intermediary system 10 (intermediary), so on the blockchain 20, a first transaction occurs in which X is sent from the recipient 52 to the third party, and a second transaction occurs in which Y is sent from the intermediary system 10 (intermediary) to the third party. The third party can receive a total of (X+Y) from the recipient 52 and the intermediary system 10.

[0073] As described above, the process of increasing the balance displayed in the wallet of the recipient 52 according to the transmission amount before the transaction is approved may be performed even when the value data transmitted to the recipient 52 is something other than crypto assets. By increasing the balance displayed in the wallet of the recipient 52 early according to the remittance amount, the recipient 52 can quickly confirm the remittance.

[0074] FIG. 8 shows a comparative example of cryptocurrency remittance. In this comparative example, the intermediary system 10 is not used. In this comparative example, the sender 51 directly transmits the cryptocurrency to the recipient (step S806). When the sender 51 transmits the cryptocurrency, a transaction for the transmission occurs. The recipient 52 waits for approval of the transaction, which takes time. Once the transaction approval is complete, the recipient 52 is in a state of having received the cryptocurrency transmitted from the sender 51 (step S807). For example, the balance of the recipient 52's wallet increases at the time of step S807. After step S807, the recipient 52 can use the received cryptocurrency. In this comparative example, the recipient 52 can only receive the cryptocurrency after the transaction is approved. This means that it takes time for the recipient 52 to be able to use the cryptocurrency, resulting in reduced convenience for the recipient consumer. On the other hand, using the intermediary system 10 according to the embodiment can improve the convenience for the recipient 52.

[0075] The present invention is not limited to the above-described embodiment, and various modifications are possible.

[0076] 10: Intermediary system 15: Network 20: Blockchain 31: Terminal 32: Terminal 51: First user 52: Second user

Claims

1. A method implemented by a computer to enable sales by vending machines using payment from consumers in stablecoins, We monitor whether a transaction to send stablecoins to a blockchain account occurs on the blockchain. When a transaction to send stablecoins to the blockchain account is detected, the vending machine will perform the sale before the transaction is approved on the blockchain. This includes, The aforementioned blockchain account is a blockchain account for receiving stablecoins sent by consumers for the aforementioned payment. method.

2. The sales by the aforementioned vending machine include the provision of goods or services. The method according to claim 1.

3. A method by which a terminal that provides goods or services in exchange for payment by a consumer using stablecoins is executed by a computer to provide goods or services, We monitor whether a transaction to send stablecoins to a blockchain account occurs on the blockchain. When a transaction to send stablecoins to the blockchain account is detected, the terminal provides goods or services before the transaction is approved on the blockchain. This includes, The aforementioned blockchain account is a blockchain account for receiving stablecoins sent by consumers for the aforementioned payment. method.

4. A method performed by a computer to initiate gameplay on a real game machine through payment by a consumer using stablecoins, A computer monitors whether a transaction to send stablecoins to a blockchain account is occurring on the blockchain. When the computer detects that a transaction has occurred to send stablecoins to the blockchain account, it starts playing the physical game console before the transaction is approved on the blockchain. This includes, The aforementioned blockchain account is a blockchain account for receiving stablecoins sent by consumers for the aforementioned payment. method.

5. A method performed by a computer to provide goods or services online through payment by consumers using stablecoins, A computer monitors whether a transaction to send stablecoins to a blockchain account is occurring on the blockchain. When the computer detects that a transaction has occurred to send stablecoins to the blockchain account, it may, before the confirmation of the transaction is completed on the blockchain, provide the goods or services online. This includes, The aforementioned blockchain account is a blockchain account for receiving stablecoins sent by consumers for the aforementioned payment. method.

6. Providing goods or services online as described above includes providing goods or services through online shops or online games. The method according to claim 5.

7. For the purpose of the payment of stablecoins, the blockchain account is sent to the consumer's device. The method according to any one of claims 1 to 6, further comprising the following:

8. A computer for conducting sales through vending machines using stablecoin payments from consumers, We monitor whether a transaction to send stablecoins to a blockchain account occurs on the blockchain. When a transaction to send stablecoins to the blockchain account is detected, the vending machine is made to sell the stablecoins before the transaction is approved on the blockchain. It is structured in such a way, The aforementioned blockchain account is a blockchain account for receiving stablecoins sent by consumers for the aforementioned payment. computer.

9. A terminal that provides goods or services through payment by consumers using stablecoins is a computer used to provide goods or services. We monitor whether a transaction to send stablecoins to a blockchain account occurs on the blockchain. When a transaction to send stablecoins to the blockchain account is detected, the blockchain may, before the transaction is approved, have the terminal provide goods or services. It is structured in such a way, The aforementioned blockchain account is a blockchain account for receiving stablecoins sent by consumers for the aforementioned payment. computer.

10. A computer for starting gameplay on a real game console by having consumers pay with stablecoins, A computer monitors whether a transaction to send stablecoins to a blockchain account is occurring on the blockchain. When the computer detects that a transaction has occurred to send stablecoins to the blockchain account, it initiates gameplay on the physical game console before the transaction is approved on the blockchain. Structured in such a way The aforementioned blockchain account is a blockchain account for receiving stablecoins sent by consumers for the aforementioned payment. computer.

11. A computer that provides goods or services online through consumer payments using stablecoins, A computer monitors whether a transaction to send stablecoins to a blockchain account is occurring on the blockchain. When the computer detects that a transaction has occurred to send stablecoins to the blockchain account, it may, before the confirmation of the transaction is completed on the blockchain, provide the goods or services online. It is structured in such a way, The aforementioned blockchain account is a blockchain account for receiving stablecoins sent by consumers for the aforementioned payment. computer.

12. For the purpose of the payment of stablecoins, the blockchain account is sent to the consumer's device. A computer according to any one of claims 8 to 11, configured in such a way.