Processing device, processing method, and processing program

Abstract

A processing device that manages a user's crypto assets, comprising: a memory unit that stores crypto asset information linked to the user; a conversion processing unit that converts at least a portion of the crypto asset into other crypto assets and updates the crypto asset information; an management processing unit that manages at least one of the crypto asset and the other crypto assets, or manages financial products based on the crypto asset or the other crypto assets, and updates the crypto asset information depending on the results of the management; and a payment processing unit that performs payment processing to the user based on the updated crypto asset information. (Selection diagram: Figure 1)

Description

[Technical Field]

[0001] The present disclosure relates to a processing device, a processing method, and a processing program for managing users' crypto assets. [Background technology]

[0002] In recent years, Thoughts Crypto assets, which are an example of currency, have been attracting attention, and various services related to these crypto assets are being considered and launched. For example, Patent Document 1 describes a service that uses virtual currency instead of legal currency. Thoughts Patent Document 2 discloses a payment system that uses virtual currency. Thoughts Use the currency and Thoughts Techniques are disclosed to facilitate the consumption of currency.

[0003] Meanwhile, services that increase or enhance the asset value of crypto assets in the same way as real assets such as fiat currencies are also being considered. For example, Patent Document 3 discloses software that allows users to manage their own crypto assets. In particular, Patent Document 3 discloses a technology that sets functional restrictions on users' devices to prevent them from selling their crypto assets themselves. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Japanese Patent Application Publication No. 2019-145060 [Patent Document 2] Japanese Patent Application Publication No. 2022-49419 [Patent Document 3] Patent No. 7345211 Summary of the Invention [Problem to be solved by the invention]

[0005] However, the market value of cryptocurrencies is highly unstable, their trading prices are prone to fluctuations, and investing in and managing cryptocurrencies requires specialized knowledge, making it difficult for individual users who hold cryptocurrencies to manage them directly.

[0006] The present disclosure has been made in consideration of such issues, and its purpose is to provide a processing device, processing method, and processing program that can manage a user's crypto assets, manage the crypto assets on behalf of the user, and provide the results of the management to the user. [Means for solving the problem]

[0007] According to one aspect of the present disclosure, "user Ownership was transferred from the company to the service provider. A processing device for managing crypto assets, comprising: a memory unit for storing crypto asset information linked to the user; a conversion processing unit for converting at least a portion of the crypto asset into other crypto assets and updating the crypto asset information; and an investment processing unit for managing at least one of the crypto asset and the other crypto assets, or managing financial products funded by the crypto asset or the other crypto assets, and updating the crypto asset information according to the results of the investment. When the service provider receives payment request information from the user's terminal device, the payment request information includes information on the payment target selected by the user, together with a payment request based on the delivery claim right based on the crypto asset before the ownership right was transferred from the service provider to the user, Updated cryptocurrency information and the payment request information Based on , converting the cryptocurrency into an asset selected by the user as a payment target; To the user pay and a payment processing unit that processes the payment.

[0008] According to one aspect of the present disclosure, "user Ownership was transferred from the company to the service provider. Crypto assets By computer A processing method for managing crypto assets, comprising the steps of: storing crypto asset information linked to the user; converting at least a portion of the crypto asset into another crypto asset and updating the crypto asset information; managing at least one of the crypto asset and the other crypto asset, or managing financial products funded by the crypto asset or the other crypto asset, and updating the crypto asset information according to the results of the management. When the service provider receives payment request information from the user's terminal device, the payment request information includes information on the payment target selected by the user, together with a payment request based on the delivery claim right based on the crypto asset before the ownership right was transferred from the service provider to the user, Updated cryptocurrency information and the payment request information Based on , converting the cryptocurrency into an asset selected by the user as a payment target; To the user pay and a payment step of performing the payment process.

[0009] According to one aspect of the present disclosure, "user Ownership was transferred from the company to the service provider. A processing program for managing crypto assets, which stores crypto asset information linked to the user, updates the crypto asset information when at least a portion of the crypto asset is converted into another crypto asset, manages at least one of the crypto asset and the other crypto asset, or manages financial products funded by the crypto asset or the other crypto asset, and updates the crypto asset information according to the results of the management, When the service provider receives payment request information from the user's terminal device, the payment request information includes information on the payment target selected by the user, together with a payment request based on the delivery claim right based on the crypto asset before the ownership right was transferred from the service provider to the user, Updated cryptocurrency information and the payment request information Based on , converting the cryptocurrency into an asset selected by the user as a payment target; To the user pay A processing program that causes a computer to execute a process is provided. [Effects of the Invention]

[0010] According to the present disclosure, it is possible to provide a processing device, processing method, and processing program that can manage a user's crypto assets, manage the crypto assets on behalf of the user, and provide the results of the management to the user.

[0011] It should be noted that the above effects are merely examples for the sake of convenience of explanation, and the effects of the present disclosure are not limited to these. In addition to the above effects, the present disclosure can achieve any of the effects described herein. [Brief explanation of the drawings]

[0012] [Figure 1] 1 is a schematic diagram showing an overview of crypto asset management by a processing system according to an embodiment. FIG. [Figure 2] 1 is a schematic diagram illustrating a configuration of a processing system according to an embodiment. [Figure 3] FIG. 2 is a block diagram showing the electrical configuration of a terminal device according to the embodiment. [Figure 4] FIG. 2 is a block diagram showing the electrical configuration of a management server according to the embodiment. [Figure 5] FIG. 1 is a block diagram illustrating a configuration of a distributed ledger system according to an embodiment. [Figure 6] FIG. 1 is a block diagram illustrating a configuration of a mining device according to an embodiment. [Figure 7] FIG. 2 is a functional block diagram relating to information processing of a management server according to the embodiment. [Figure 8] FIG. 2 is a schematic diagram showing an overview of a user management table stored in a management server according to an embodiment. [Figure 9] FIG. 10 is a flow diagram showing the flow of setting a learned operation model to be set in a management server according to an embodiment. [Figure 10] FIG. 10 is a schematic diagram showing information processing using a learned operation model set in a management server according to an embodiment. [Figure 11] FIG. 10 is a sequence diagram relating to crypto asset management in a processing system according to an embodiment. [Figure 12] 10 is an example of a screen displayed on a terminal device according to the embodiment. [Figure 13] 10 is an example of a screen displayed on a terminal device according to the embodiment. [Figure 14] FIG. 10 is a sequence diagram relating to crypto asset management in a processing system according to an embodiment. [Figure 15] FIG. 10 is a sequence diagram relating to crypto asset management in a processing system according to an embodiment. [Figure 16] FIG. 10 is a sequence diagram relating to crypto asset management in a processing system according to an embodiment. [Figure 17] 10 is an example of a screen displayed on a terminal device according to the embodiment. [Figure 18] FIG. 10 is a sequence diagram relating to crypto asset management in a processing system according to an embodiment. [Figure 19] 10 is an example of a screen displayed on a terminal device according to the embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0013] The following describes in detail the management server, which is a processing device of the present disclosure, and a processing system including the same, with reference to the drawings. Note that the present disclosure is not limited to the content described below and can be implemented with any modifications within the scope of the present disclosure. Furthermore, the drawings used in the embodiments are schematic representations of the devices and processing systems including the same, and may be partially emphasized, enlarged, reduced, or omitted to facilitate understanding, and may not accurately represent the scale or shape of each component. Furthermore, some numerical values ​​used in the embodiments are merely examples and can be modified as needed. The same reference symbols are used for common components in the drawings.

[0014] <Processing system overview> The processing system according to the present disclosure, for example, is used by a service provider to manage crypto assets for which a user has granted management authority to the service provider, or crypto assets that are rewards obtained through mining processes using mining equipment owned by the user, through investment or other means, and to return the results of such management to the user, thereby efficiently increasing the crypto assets. The processing system is also used, for example, when crypto assets managed in a management server (i.e., crypto assets stored and associated with a user) are converted into other crypto assets at the user's option. This enables management using crypto assets with rising market prices, allowing the conversion of the other crypto assets more efficiently. In other words, when a user requests management of a crypto asset, the service provider will efficiently manage the crypto asset, automatically increasing the user's crypto asset. The processing system is then used to pay the crypto asset or its corresponding financial asset (such as legal tender or electronic money) in response to a user's request.

[0015] In addition, the processing system according to the present disclosure is capable of processing legal tender or virtual currencies using crypto assets managed in a management server as collateral. ThoughtsFor example, when managing users' crypto assets as a reward for mining processing, the service provider can use the legal currency or virtual currency that it owns. Thoughts Currency may be loaned directly to users or through other financial institutions (banks or virtual currencies). Thoughts via a currency exchange) to provide legal tender or virtual currency to users. Thoughts Users may also lend out their crypto assets, which they have given management authority to the service provider, allowing them to manage other assets or use the currency for everyday purposes.

[0016] An overview of the processing system of the present disclosure will be described with reference to Figure 1. Here, Figure 1 is a schematic diagram showing an overview of crypto asset management by the processing system according to this embodiment. In particular, Figure 1 shows the processes and responses for managing crypto assets stored in a management server by using a terminal device owned by a user or by operating a mining device owned by the user, or converting the crypto assets into other crypto assets, or lending the crypto assets.

[0017] First, as shown in Figure 1, a user uses their own terminal device to transfer the crypto assets they have managed in their wallet or other device to a management server, thereby granting the service provider management authority over their crypto assets. In other words, the user transfers ownership of their crypto assets to the service provider, and performs a process that allows the management of the crypto assets to be managed by the management server. In addition, when the user operates the mining device purchased from the service provider, the mining process is carried out via the management server, which serves as a node in the distributed ledger system.

[0018] Next, the management server accepts management authority for the user's crypto assets, thereby increasing the user's managed crypto assets. Furthermore, if the mining process by the mining device is successful, the management server distributes rewards related to the mining process to the user, thereby increasing the user's managed crypto assets. In other words, the management server accumulates crypto assets (i.e., the user's crypto assets) that will be managed and operated by the service provider by performing the process of granting management authority by the user or the mining process by the mining device.

[0019] Next, the management server manages (invests) the managed crypto assets or manages financial products purchased using the crypto assets as capital, and executes processes to increase the crypto assets. Specifically, the management server repeatedly purchases and sells crypto assets in the crypto asset market, and the service provider performs activities to increase the results of the management of the managed crypto assets. As the results of the management increase, rewards are distributed to users, and the users' crypto assets managed by the management server automatically increase. In other words, for users, simply by having their crypto assets managed by the management server, their crypto asset balances automatically increase. Note that while management is described below as the buying and selling of crypto assets, it may also be staking of crypto assets. Furthermore, management may involve repeatedly purchasing and selling securities, bonds, legal tender, and commodities using crypto assets as capital. Furthermore, management may involve lending (loan-based crowdfunding), investment-based crowdfunding, or factoring using crypto assets as capital.

[0020] Next, as shown in Figure 1, a user can use their own terminal device to make a request to convert the cryptocurrency managed in the management server into another cryptocurrency. For example, a user can convert the cryptocurrency managed as a reward for mining into another cryptocurrency. Thoughts Converting currencies into stablecoins or other virtual currencies Thoughts Users can make a request to convert their crypto assets into another crypto asset. When the management server receives the conversion request, it processes the crypto asset into another crypto asset based on the conversion request. This allows users to select a crypto asset with an upward trend or a crypto asset with a stable market price (stablecoin) in response to the market conditions of the crypto asset and other crypto assets managed by the management server. This selection of crypto assets enables aggressive management that further increases crypto assets or stable management that reduces losses.

[0021] Next, as shown in Figure 1, a user can use their own terminal device to make a loan request using crypto assets managed in the management server as collateral. For example, a user can request a loan of legal tender using crypto assets managed as a reward for mining processing as collateral. The management server receives the loan request, performs a prescribed examination, and if there are no problems with the loan, the legal tender is loaned to the user. Note that the object of the loan is not limited to legal tender, and other virtual currencies can also be used. Thoughts The crypto asset may be a currency or other cryptocurrency, and users can select from the loan options set by the service provider. This allows users to obtain legal tender (including electronic money) needed in daily life or funds for operational services provided by other businesses, based on the crypto asset that the service provider has given management authority over.

[0022] As described above, by using the cryptocurrency management service provided by the management server, users can automatically increase their cryptocurrency without directly managing it themselves. Also, by selecting the cryptocurrency to be managed, users can make choices to increase profits from cryptocurrency management or reduce losses. Furthermore, users can exchange their increased cryptocurrency for legal tender or fiat currency. Thoughts You can receive currency loans and use crypto assets to carry out various activities (daily life or economic activities, etc.).

[0023] The method by which the user receives the cryptocurrency after operation is to have the service provider deliver the cryptocurrency to the user's wallet by the user exercising the right to request delivery, which will be described later. At this time, the delivery process may be carried out by changing to another cryptocurrency or to legal tender (including electronic money). In other words, the management server performs a payment process to the user in the cryptocurrency, other cryptocurrency, legal tender, etc., based on the increased cryptocurrency.

[0024] In this disclosure, the term "user" simply refers to a person who can use the services provided by the processing system. In particular, in the following embodiment, the term "user" refers to a person who has or has the right to request the delivery of crypto assets. The right to request delivery includes the management of the crypto assets from the service provider. Here, it is assumed that when managing crypto assets, the user must have the right to request the delivery of the crypto assets. Therefore, in the following embodiment, the term "granting management authority" also refers to the service provider having the ownership of the crypto assets. However, if the service provider can manage the crypto assets without transferring ownership of the crypto assets, the ownership of the crypto assets may remain with the user, and only the authority to handle the crypto assets may be granted to the service provider. Furthermore, when managing crypto assets on behalf of a user, it is assumed that the crypto assets and the user are linked and stored on the service provider side.

[0025] In this disclosure, the term "mining system" simply refers to a system that performs mining processing related to blockchain. In particular, in this disclosure, the term "mining system" is a concept that includes at least one of a mining device, which is a hardware device, and mining software, which is software. In the following embodiments, a mining system is assumed to be composed only of a mining device, but the mining system may also be composed only of mining software intended for processing by cloud mining, or may include both software and hardware.

[0026] In this disclosure, "crypto assets" are nothing more than assets that have financial value and can be exchanged over the Internet. In particular, in the following embodiments, "crypto assets" include existing cryptocurrencies such as Bitcoin (BTC), Ethereum (ETH), Ripple (XRP), Solana (SOL), Binance Coin (BNB), Polygon (MATIC), Avalanche (AVAX), Chainlink (LINK), Dogecoin (DOGE), Adacoin (ADA), Polkadot (DOT), and Tron (TRX). Thoughts This includes new virtual currencies that will be created in the future. Thoughts "Crypto assets" also includes stablecoins such as Dether (USDT), USD Coin (USDC), BUSD, Dai (DAI), JPY Coin (JPYC), Zipang Coin (ZPG), and Paxos Standard (PAX).

[0027] In the following embodiments, the application of the processing device and processing system of the present disclosure is described specifically for managing crypto assets for which management authority has been granted by a user, and for managing crypto assets that are mining rewards by a mining device, but is not limited to this. In other words, the processing device and processing system of the present disclosure can be applied as appropriate to any industry that manages crypto assets on behalf of users, and the applicable industry is not limited.

[0028] <Processing system configuration> Next, referring to FIG. 2, a schematic configuration of a processing system according to this embodiment will be described. FIG. 2 is a conceptual diagram illustrating the configuration of a processing system 1 according to this embodiment. As shown in FIG. 2, the processing system 1 includes a user terminal device 10 used by a user who wishes to manage crypto assets, a management server 20 used by a service provider that manages crypto assets, a distributed ledger system 30 in which the management server 20 functions as a node, a mining device 40 that performs mining processing, and a trading system 50 that processes various transactions and information in the financial market. The trading system 50 also includes a trading server 60 for conducting various transactions and a data server 70 that stores various information. Furthermore, these components that make up the processing system 1 are interconnected via a network 80 such as the Internet for mutual communication. The network 80 may be wireless, wired, or a combination of these. Here, the financial market refers to not only the general market for legal tender but also the crypto asset market.

[0029] In this embodiment, the description will be centered on the case where the management server 20 functions as a processing device. However, the processing device in this disclosure may be any device capable of executing the above-described processes, and naturally, any other server device other than the management server 20, any other device or system included in the processing system 1, or a combination thereof can suitably function as a processing device. In other words, in this disclosure, the names given to each device are merely used to distinguish each device from another, and other names may be used depending on the function of each device.

[0030] 2, only one terminal device 10, one mining device 40, one trading server 60, and one data server 70 are shown, but it is possible for two or more of each device to be included. Also, while the management server 20, the trading server 60, and the data server 70 are shown as single entities, it is also possible for the components and processes of each server to be distributed across multiple server devices or cloud server devices. Furthermore, while the example of FIG. 2 shows only one distributed ledger system that utilizes blockchain technology, it is possible for two or more distributed ledger systems to be connected to the network 80.

[0031] (User's terminal device) Fig. 3 is a block diagram showing an example of the electrical configuration of the terminal device 10 according to an embodiment of the present disclosure. The terminal device 10 does not need to include all of the components shown in Fig. 3, and may have a configuration in which some components are omitted, or may include other components.

[0032] The terminal device 10 is typically a wirelessly capable terminal device such as a smartphone, but is not limited to such devices. For example, the terminal device may be a feature phone, a personal digital assistant (PDA), a laptop computer, a desktop computer, a portable game console, a stationary game console, a virtual reality (VR) headset, or an augmented reality (AR) glasses, as long as it is capable of executing the program according to the present disclosure. Furthermore, when multiple terminal devices 10 are capable of communicating with the management server 20, the terminal devices 10 do not necessarily have to be the same type or the same terminal device, but may be different types of terminal devices. That is, different users may use different types of terminals, and even a single user may use multiple terminals of different types.

[0033] 3, the terminal device 10 has an output interface 11 including a speaker and a display (neither of which are shown), a processor 12, a memory 13 including RAM, ROM, or non-volatile memory (or HDD in some cases), a communication interface 14 including a communication processing circuit 14a and an antenna 14b, and an input interface 15 including a touch panel 15a and hard keys 15b. These components are electrically connected to each other via control lines and data lines.

[0034] The output interface 11 functions as an output unit that outputs images captured by a connected camera (not shown) and various displays output by executing a program according to the present disclosure to devices such as a display or a printer in response to instructions from the processor 12. The output interface 11 also has a function of outputting various displays output by executing a program according to the present disclosure from a display. The display may be, for example, a liquid crystal display, an organic electroluminescence display, or electronic paper, and may be a display separate from the terminal device 10.

[0035] The processor 12 is configured from a CPU (Central Processing Unit) or a GPU (Graphics Processing Unit), and functions as a control unit that controls other connected components based on various programs stored in the memory 13. Specifically, the processor 12 reads out from the memory 13 a program for executing the application according to this embodiment and a program for executing the OS, and executes them. In particular, the processor 12 executes the processes described in the sequences of FIGS. 11, 14 to 16, and 18. The processor 12 may be configured from a single CPU or GPU, or may be configured from a combination of multiple CPUs and GPUs.

[0036] The memory 13 is composed of a ROM, a RAM, a non-volatile memory, a HDD, etc., and functions as a storage unit. The ROM stores instructions and commands for executing the application and OS according to the present disclosure as a program. The RAM is used to write and read data while the program stored in the ROM is being processed by the processor 12. The non-volatile memory is a memory into which data is written and read as the program is executed, and the data written therein is saved even after the execution of the program has ended. In this embodiment, the memory 13 particularly stores programs for executing the processes, etc., described in the sequences of Figures 11, 14 to 16, and 18.

[0037] Furthermore, in the embodiment of the present disclosure, a wallet application is stored in the memory 13, and various processes related to crypto assets can be performed. For example, wallet applications include METAMASK, MEWWallet, and tokenPocket. The type of wallet stored in the memory 13 is not limited to a wallet application, and may be a browser-extended wallet depending on the type of terminal device 10.

[0038] The communication interface 14 functions as a communication unit that transmits and receives information to and from the remotely installed management server 20, distributed ledger system 30, trading system 50, or other terminal devices via the communication processing circuit 14a and antenna 14b. The communication interface 14 performs processing to transmit and receive information to and from the management server 20, distributed ledger system 30, trading system 50, or other terminal devices, such as programs and various information used in the processing system 1, depending on the progress of processing.

[0039] The communication processing circuit 14a performs processing based on a wideband wireless communication system such as the LTE system, but can also perform processing based on a narrowband wireless communication system or a contactless wireless communication system such as a wireless LAN such as IEEE802.11 or Bluetooth (registered trademark). Also, wired communication can be used instead of or in addition to wireless communication.

[0040] The input interface 15 is composed of a touch panel 15a, hard keys 15b, etc., and has a function of accepting instruction inputs related to the execution of the program according to this embodiment, operation inputs for registering various information, etc. The touch panel 15a is disposed so as to cover the output interface 11, and transmits position coordinate information corresponding to image data output from the output interface 11 to the display to the processor 12. Known touch panel methods, such as a resistive film method, a capacitive coupling method, and an ultrasonic surface acoustic wave method, can be used. In this embodiment, the touch panel 15a detects swipe and tap operations on icons, etc. displayed on the output interface 11 by a pointer. Note that, although the input interface 15 provided in the terminal device 10 is used in this embodiment, it is also possible to use an input interface 15, such as a mouse, connected wirelessly or via a wire to a main body including the processor 12, etc.

[0041] (Management Server) Next, a specific configuration of the management server 20 according to this embodiment will be described with reference to Fig. 4. Here, Fig. 4 is a block diagram showing the electrical configuration of the management server 20 according to this embodiment. The management server 20 does not need to include all of the components shown in Fig. 4, and it is possible to adopt a configuration in which some components are omitted, or it is possible to add other components.

[0042] The management server 20 is typically a wireless communication device such as a large computer, but is not limited to such devices. For example, the management server 20 can be suitably applied to any device capable of executing the program according to the present disclosure, such as a feature phone, a personal digital assistant (PDA), a smartphone, a desktop computer, a laptop computer, a portable game console, or a stationary game console. Furthermore, the management server 20 does not need to be provided in a single housing as shown in FIG. 4; the components and processes of the management server 20 can be distributed across multiple server devices or cloud server devices.

[0043] 4, the management server 20 has a processor 21, a memory 22 including RAM, ROM, or non-volatile memory (or HDD in some cases), a communication interface 23 including a communication processing circuit 23a and an antenna 23b, and an input interface 24. These components are electrically connected to each other via control lines and data lines.

[0044] The processor 21 is configured with a CPU (Central Processing Unit) or a GPU (Graphics Processing Unit) and has the function of controlling other connected components based on various programs stored in the memory 22. Specifically, the processor 21 reads and executes programs for executing information processing related to the present disclosure and programs for executing an OS from the memory 22. In this embodiment, the processor 21 executes, for example, the processes described in the sequences of Figures 11, 14 to 16, and 18. In particular, the processor 21 executes "a process of storing crypto asset information linked to a user in the memory 22," "a process of updating crypto asset information when at least a portion of a crypto asset is converted into another crypto asset," "a process of investing in at least one of a crypto asset and another crypto asset, or investing in financial products funded by a crypto asset or another crypto asset, and updating the crypto asset information according to the results of the investment," and "a process of making a payment to the user based on the updated crypto asset information." The processor 21 may be configured with a single CPU or GPU, or may be configured with a combination of multiple CPUs and GPUs.

[0045] The memory 22 is composed of a ROM, a RAM, a non-volatile memory, a HDD, etc., and functions as a storage unit. The ROM stores instructions and commands for executing the application and OS according to the present disclosure as a program. The RAM is used to write and read data while the program stored in the ROM is being processed by the processor 21. The non-volatile memory is a memory into which data is written and read as the program is executed, and the data written therein is retained even after the execution of the program has ended.

[0046] In this embodiment, the memory 22 stores programs for executing, for example, the processes described in the sequences of Figures 11, 14 to 16, and 18. In particular, the memory 22 causes the management server 20 (i.e., the processor 21), which is a computer, to execute processes such as "a process of storing crypto asset information linked to a user in the memory 22," "a process of updating crypto asset information when at least a portion of a crypto asset is converted into another crypto asset," "a process of managing at least one of a crypto asset and another crypto asset, or managing financial products funded by a crypto asset or another crypto asset, and updating the crypto asset information according to the results of the management," and "a process of making payments to the user based on the updated crypto asset information." Also, in this embodiment, the memory 22 stores a user management table such as that shown in Figure 8, and various received information.

[0047] The communication interface 23 functions as a communication unit that transmits and receives information to and from the remotely installed terminal device 10, the distributed ledger system 30, the trading system 50, or other terminal devices via the communication processing circuit 23a and the antenna 23b. The communication interface 23 performs processing to transmit and receive information to and from the terminal device 10, the distributed ledger system 30, the trading system 50, or other terminal devices, such as programs and various information used in the processing system 1, depending on the progress of processing.

[0048] The communication processing circuit 23a performs processing based on a wideband wireless communication system such as the LTE system, but can also perform processing based on a narrowband wireless communication system or a contactless wireless communication system such as a wireless LAN such as IEEE802.11 or Bluetooth (registered trademark). Also, wired communication can be used instead of or in addition to wireless communication.

[0049] The input interface 24 is composed of hard keys, a mouse, etc. (not shown), and has the function of accepting instruction inputs relating to the execution of the program according to this embodiment, operation inputs for registering various information, etc.

[0050] The trading server 60 and data server 70 constituting the trading system 50 are configured similarly to the management server 20, and each of these components has a processor, memory, a communication interface, and an input interface, and these components are electrically connected to each other via control lines and data lines. Therefore, detailed explanations of the configurations of the trading server 60 and the data server 70 will be omitted.

[0051] (Distributed Ledger System) Next, the specific configuration of the distributed ledger system 30 according to this embodiment will be described with reference to Figure 5. Here, Figure 5 is a block diagram showing the electrical configuration of the distributed ledger system 30 according to this embodiment. The distributed ledger system 30 does not need to include all of the components shown in Figure 5; it is possible to omit some components, or to add other components.

[0052] As shown in Figure 5, the distributed ledger system 30 includes multiple node terminal devices 31 to 33. In addition, in the distributed ledger system 30, the management server 20 also functions as a node terminal device. In other words, the distributed ledger system 30 includes the management server 20 as a node terminal device.

[0053] The node terminal devices 31 to 33 and the management server 20 are connected to each other via a network so that they can communicate with each other. For example, the network may be a public network, a private network, a dedicated line, a VPN (Virtual Private Network), or a combination of these. The multiple node terminal devices 31 to 33 and the management server 20 are connected, for example, by wire or wirelessly. The multiple node terminal devices 31 to 33 and the mining device 40 communicate with each other in a peer-to-peer (P2P) manner.

[0054] 5, the node terminal device 31 is a desktop PC, the node terminal device 32 is a tablet terminal, and the node terminal device 33 is a notebook PC. However, the node terminal devices 31 to 33 are not limited to these and may be any terminal device that can be connected to a blockchain network. For example, a mobile phone such as a smartphone may be used as the node terminal device.

[0055] 5, the node terminal devices 31-33 and the management server 20 are different types of terminals, but the same type of terminal device may also exist. Furthermore, the number of nodes constituting the distributed ledger system 30 is not limited to four and can be set as long as it is two or more. The number of nodes constituting the distributed ledger system 30 may also change over time.

[0056] Each of the node terminal devices 31 to 33 has the same configuration as the terminal device 10 or the management server 20. For example, the node terminal devices 31 to 33 may include a processor, a memory, a communication interface, an input interface, and an output interface. Naturally, the node terminal devices 31 to 33 are not limited to this configuration, and do not need to include all of the components, and may have a configuration in which some components are omitted, or other components may be added. Furthermore, the configurations of the node terminal devices 31 to 33 may differ from one another.

[0057] The node terminal devices 31-33 and the management server 20 manage the distributed ledger using, for example, blockchain technology. Specifically, either the node terminal devices 31-33 or the management server 20 acquires data related to token transactions to be recorded. The node terminal devices 31-33 and the management server 20 generate a block including the acquired data. The node terminal devices 31-33 and the management server 20 add the generated block to the blockchain. The node terminal devices 31-33 and the management server 20 transmit information about the added block to the other node terminal devices 31-33 or the management server 20. The other node terminal devices 31-33 or the management server 20 verify the correctness of the received block. Furthermore, if the other node terminal devices 31-33 or the management server 20 successfully verifies the correctness of the block, it adds the block to the blockchain. The node terminal devices 31-33 and the management server 20 finalize the blockchain based on, for example, the number of linked blocks, which is the so-called approval number. As a result, the same distributed ledger is stored across the multiple node terminal devices 31 to 33 and the management server 20. Note that data stored on the blockchain is encrypted as appropriate.

[0058] The management server 20 also functions as a mining pool and is communicatively connected to multiple mining devices 40 via a network 80. As described above, the management server 20 participates in the blockchain as a node terminal device of the distributed ledger system 30 and performs block approval processing. Here, when the management server 20 discovers a block requiring approval on the blockchain, it requests the mining devices 40 communicatively connected to it to create a hash for the discovered block. Then, based on the request, each mining device 40 creates a hash for the block in the same way as in normal mining, and transmits the hash to each node terminal device of the distributed ledger system 30 via the management server 20.

[0059] Unlike other node terminal devices, the mining device 40 does not have multiple processing functions, but is a small device specialized for mining processing. The configuration of the mining device 40 is similar to that of the management server 20, as shown in FIG. 6. Furthermore, the mining device 40 does not need to have all of the components shown in FIG. 6, and it is possible to omit some of the components, or to add other components.

[0060] 6, the mining device 40 includes a processor 41 configured with a CPU or the like, a memory 42 including RAM, ROM, non-volatile memory, HDD, etc., and a communication interface 43. These components are electrically connected to each other via control lines and data lines.

[0061] The processor 41 is composed of a CPU (Central Processing Unit) or a GPU (Graphics Processing Unit), and functions as a control unit for controlling other connected components based on various programs stored in the memory 42. Specifically, the processor 41 reads and executes a program for executing an application according to the present disclosure and a program for executing an OS from the memory 42. In particular, the processor 41 executes a program for mining processing and periodically performs mining processing.

[0062] The memory 42 includes RAM, ROM, non-volatile memory, and HDD, and functions as a storage unit. The ROM stores instructions and commands for executing the application and OS according to the present disclosure as a program. Such a program is loaded and executed by the processor 41. The RAM is used to write and read data while the program stored in the ROM is being processed by the processor 41. The non-volatile memory is a memory into which data is written and read as the program is executed, and the data written therein is saved even after the execution of the program has ended. In particular, the memory 42 stores a program for mining processing.

[0063] The communication interface 43 functions as a communication unit that transmits and receives information to and from the remotely installed management server 20 via a communication processing circuit 43a and an antenna 43b. The communication processing circuit 43a processes programs and various information used in the processing system 1 to transmit and receive information to and from the management server 20 according to the progress of processing. The communication processing circuit 43a processes based on a wideband wireless communication method such as the LTE method, but it is also possible to process based on a narrowband wireless communication method or a contactless wireless communication method such as a wireless LAN such as IEEE802.11 or Bluetooth (registered trademark). Furthermore, wired communication can be used instead of or in addition to wireless communication.

[0064] <Functions and processing of the management server device> Next, functions and processing of the management server 20 according to this embodiment will be described with reference to Fig. 7 and Fig. 8. Here, Fig. 7 is a functional block diagram relating to information processing of the management server 20 according to this embodiment. Fig. 8 is a schematic diagram showing an overview of a user management table stored in the management server 20 according to this embodiment.

[0065] 7, in order to execute various processes according to this embodiment, the management server 20 has an information acquisition unit 91, a storage unit 92, a learned operation model 93, an operation processing unit 94, a conversion processing unit 95, a loan processing unit 96, and a mining pool unit 97. The management server 20 also has a function (communication unit) in which the processor 21 in FIG. 4 executes a predetermined program stored in the memory 22 and controls the communication interface 23 and the communication processing circuit 23a.

[0066] The information acquisition unit 91 functions when the processor 21 in FIG. 4 executes a predetermined program (a program related to information acquisition) stored in the memory 22. The storage unit 92 functions when the processor 21 writes various information to the memory 22. The trained operation model 93 functions when the processor 21 in FIG. 4 executes a program related to the generation AI stored in the memory 22. The operation processing unit 94 functions when the processor 21 in FIG. 4 executes a predetermined program (a program related to the operation of crypto assets) stored in the memory 22. The conversion processing unit 95 functions when the processor 21 in FIG. 4 executes a predetermined program (a program related to the conversion of crypto assets) stored in the memory 22. The loan processing unit 96 functions when the processor 21 in FIG. 4 executes a predetermined program (a program related to loans secured by crypto assets) stored in the memory 22. The mining pool unit 97 functions when the processor 21 in FIG. 4 executes a predetermined program (a program related to mining processing) stored in the memory 22. The payment processing unit 98 functions by the processor 21 in FIG. 4 executing a predetermined program (a program relating to payment processing) stored in the memory 22.

[0067] As a detailed flow of information, first, as shown in FIG. 7 , the management server 20 acquires external information from the terminal device 10 or the trading system 50 and stores it in the memory unit 92. Specifically, when external information is transmitted to the management server 20 from the terminal device 10, the data server 70 of the trading system 50, or another server via the network 80, the information acquisition unit 91 of the management server 20 sorts the external information according to its type or content. More specifically, if the external information includes user information, prices of various crypto assets, and financial information, the information acquisition unit 91 transmits the user information and financial information to the memory unit 92. If the external information includes investment information, the information acquisition unit 91 transmits the investment information to the memory unit 92 and the investment processing unit 94.

[0068] Here, user information refers to various information related to a user, including, for example, a user ID, a user's wallet information, a user's mining device ID, or a user's crypto asset information. Thoughts Name of currency), amount of cryptocurrency (tentative) Thoughts Furthermore, financial information is information on various aspects of the financial market, such as legal tender or fiat currency. Thoughts The information may include the purchase and sale prices of each currency, as well as forecast information on future value fluctuations of each currency. The financial information may also include market information on securities, bonds, legal tender, commodities, loans (loan-based crowdfunding), equity crowdfunding, and factoring. In addition, management information is information related to management instructions on how to manage crypto assets managed in the management server 20, and is information selected by a user using the terminal device 10 or generated by the trained management model 93. More specifically, the management information may include information on investment destinations (stocks), investment amounts, and portfolio information.

[0069] The memory unit 92 stores the received operation information, user information, and financial information. In particular, the memory unit 92 stores a user management table as shown in FIG. 8, and creates or updates each item based on the received operation information and user information. The user management table is composed of information related to, for example, "user ID," "wallet information," "mining device ID," "cryptocurrency information," "operation information," and "loan information." In other words, the memory unit 92 stores users and cryptocurrencies in association with each other.

[0070] A "user ID" is a unique identifier assigned to a user who has completed the registration procedure on an online sales site managed by a service provider that sells mining devices 40. The user ID may be, for example, a serial number, or may be composed of any letters and numbers set by the user, or may be an email address or a part thereof. In other words, the user ID may be freely set as long as it can identify the user.

[0071] "Wallet information" refers to information about a wallet acquired by a user to conduct cryptocurrency transactions. This information may include information about the wallet owner and information about the cryptocurrency held.

[0072] A "mining device ID" is a unique identifier assigned to each mining device 40 by a service provider that sells the mining device 40. Therefore, even mining devices 40 of the same type are assigned different mining device IDs. Because the mining device ID is linked to the user ID, it is possible to know which user owns which mining device 40. The mining device ID may be, for example, a serial number, or may be composed of any letters and numbers set by the service provider. In other words, the mining device ID may be freely set as long as it can identify the mining device 40.

[0073] As mentioned above, "cryptocurrency information" includes the type of cryptocurrency (temporary Thoughts Name of currency), amount of cryptocurrency (tentative) Thoughts In other words, cryptocurrency information includes the latest information on cryptocurrency for which the service provider has been granted management authority by the user, and may also include information on past increases / decreases and transactions. In addition, cryptocurrency information may include information on multiple cryptocurrencies, for example, Thoughts It may also be balance information for each currency.

[0074] As described above, "management information" is information including information on investment destinations (stocks), investment amounts, and portfolios. Furthermore, when management is carried out by staking crypto assets, it also includes instruction information for the staking. In other words, management information is information related to the conditions of the management processing executed by the management server 20 (service provider side). There are two types of management information: that sent from the information acquisition unit 91, and that generated by the trained management model 93 described below. Since management information is linked to user IDs, users who can achieve results through management can be identified by their user IDs.

[0075] The "loan information" is information generated by the loan processing unit 96, which will be described later, and is used to provide legal tender or virtual currency secured by accumulated crypto assets. Thoughts This is information related to the lending of currency, etc. In other words, the loan information includes information such as the type and amount of the currency to be lent, the date and time of the loan, and the repayment date and amount. Note that the loan information is linked to the user ID and cryptocurrency information, so the user to whom the loan is made is identified by the user ID, and the collateral is identified by the cryptocurrency information.

[0076] Returning to Figure 7, the crypto asset information and financial information stored in the memory unit 92 are transmitted to the trained operation model 93 at a predetermined timing set in advance. The trained operation model 93 generates operation information for managing the crypto asset based on the input crypto asset information and financial information, and transmits the operation information to the operation processing unit 94. Here, the operation information is the same as the operation information sorted in the information acquisition unit 91, and includes information on investment destinations (stocks), investment amount, and portfolio. Details of the settings and processing of the trained operation model 93 will be described later with reference to Figures 9 and 10.

[0077] When the investment processing unit 94 receives investment information from the information acquisition unit 91 or the trained investment model 93, it starts investing crypto assets based on the investment information. Specifically, the investment processing unit 94 sends a purchase or sale request to the trading server 60 of the trading system 50 based on the investment destination, investment amount, and portfolio included in the investment information, and executes investment processing based on the crypto assets. The investment processing unit 94 may also execute investment processing by staking the crypto assets based on the investment information without making a purchase or sale request. The investment processing unit 94 then receives results or losses based on the investment processing and generates investment result information. Here, investment result information is information indicating an increase or decrease in the crypto assets being invested.

[0078] When the results of the crypto asset investment are released (i.e., when an increase or decrease in the crypto asset occurs), the investment processing unit 94 transmits the investment information and investment result information, which are the conditions for the actual investment, to the storage unit 92. The storage unit 92 updates the crypto asset information and investment information based on the received investment information and investment result information, and stores the investment performance of the crypto asset. By repeating the acquisition or generation of such investment information, actual investment, and its results, the crypto asset managed in the management server 20 increases or decreases, and the user can receive the results of the investment without directly managing the crypto asset.

[0079] Next, as shown in FIG. 7, the management server 20 receives a conversion request for the crypto asset from the terminal device 10, executes the conversion process for the crypto asset based on the conversion request, and stores the details in the storage unit 92. Specifically, when the terminal device 10 transmits conversion request information to the management server 20 via the network 80, the conversion processing unit 95 of the management server 20 receives the conversion request information. Here, the conversion request includes the crypto asset to be converted (virtual asset), Thoughts It contains information about the currency and its quantity (amount).

[0080] When the conversion processing unit 95 receives the conversion request information, it performs a conversion process for the crypto asset for which management has been requested by the user who made the conversion request, into another crypto asset based on the conversion request information. For example, the conversion processing unit 95 actually converts the crypto asset into another crypto asset based on the conversion rate in the crypto asset market. In this case, the conversion processing unit 95 reads and uses financial information stored in the memory unit 92. The conversion processing unit 95 then generates conversion information that is the result of the conversion process and transmits it to the memory unit 92. The memory unit 92 then updates the crypto asset information based on the received conversion information. In addition, the updated crypto asset information is transmitted to the trained operation model 93, thereby starting a new operation using the converted crypto asset.

[0081] Next, as shown in Figure 7, management server 20 receives a loan request from terminal device 10 using crypto assets as collateral, executes loan processing based on the loan request, and stores the details in memory unit 92. Specifically, when loan request information is sent from terminal device 10 to management server 20 via network 80, loan processing unit 96 of management server 20 receives the loan request information. Here, the loan request includes information regarding the type and amount of currency to be loaned.

[0082] Upon receiving the loan request information, the loan processing unit 96 performs an examination based on the loan request information. For example, information related to loan examination may be stored in the memory unit 92, and the loan examination information may be compared with the loan request information to determine whether a loan can be provided to the user, the loan amount, the loan repayment date, the loan interest rate, etc. The loan processing unit 96 then performs the loan processing based on the examination results. Specifically, the loan processing unit 96 may execute the loan processing for the user using crypto assets or currency managed in the management server 20, and transmit loan information representing the loan result to the terminal device 10. The loan processing unit 96 may also send a remittance request including the loan information to the trading system 50, and execute the loan to the user via the trading system 50 (i.e., execute the remittance processing).

[0083] Next, the management server 20 supervises the mining process of the mining devices 40, and if the mining process is successful, performs processing to distribute the mining reward. Specifically, the mining pool unit 97 of the management server 20 requests the mining devices 40 via the network 80 to create a hash for the discovered block, accepts the hash from each mining device 40, and transmits the hash to each node terminal device of the distributed ledger system 30. Then, if the mining process by the mining device 40 is successful, the mining pool unit 97 performs processing to distribute the reward for the success, and transmits the reward information, which is the distribution result, to the storage unit 92. Here, the reward information includes the amount of cryptocurrency granted to each user (provisional Thoughts currency amount).

[0084] The storage unit 92 then updates the crypto asset information based on the received reward information. That is, the storage unit 92 increases the crypto asset associated with each user in accordance with the distribution of the reward, and updates the balance. The storage unit 92 stores not only the crypto asset balance, but also the date and time when the crypto asset was increased as a reward, and the amount of the increase, in the crypto asset information.

[0085] When the payment processing unit 98 receives the payment request information, it performs payment processing for the crypto asset for which the user who made the payment request has requested management, based on the payment request information. For example, the payment processing unit 98 pays the managed crypto asset directly into the user's wallet. Furthermore, if the user selects legal tender or electronic money other than crypto assets as the payment target, the payment is made in legal tender or electronic money based on the conversion rate in financial markets, including the crypto asset market. The payment processing unit 98 then generates payment information as a result of the payment processing and transmits it to the memory unit 92 and the user's terminal device 10. The memory unit 92 then updates the crypto asset information based on the received payment information.

[0086] <Trained Operational Model> Next, preparation and use of the trained operational model 93 will be described with reference to Figures 9 and 10. Figure 9 is a flow diagram showing the flow of setting the trained operational model 93 to the management server 20 according to the embodiment. Figure 10 is a schematic diagram showing information processing by the trained operational model 93 to be set to the management server 20 according to the embodiment.

[0087] First, as shown in Fig. 9, in order to set the trained operation model 93, the processor 21 of the management server 20 acquires training data (S1). Here, as examples of the training data, past operation information, past operation result information, past portfolio information, and past financial information may be used, as shown in Fig. 10. These data may be input by an administrator such as a service provider via the input interface 24, or may be received via the communication interface 23.

[0088] Furthermore, in this embodiment, past investment information, past investment result information, past portfolio information, and past financial information are associated and used to generate the trained investment model 93. However, although it is preferable to associate this information, some information may be excluded or additional information may be added, and the association between information may be changed as appropriate according to machine learning, which will be described later.

[0089] Next, the processor 21 of the management server 20 performs annotation processing on the acquired learning data (S2). Specifically, the annotation processing adds annotations to the acquired learning data to generate training data. For example, the processor 21 of the management server 20 tags information on past operation results to generate correct answer data that has achieved a predetermined result.

[0090] Next, the processor 21 of the management server 20 performs machine learning using the acquired training data and the annotated teacher data (S3). As an example, the machine learning is performed by providing the training data and teacher data to a neural network formed by combining neurons, and repeating learning while adjusting the parameters of each neuron so that the output of the neural network is the same as the correct data in the teacher data. Note that the above machine learning is merely an example, and machine learning using scoring may also be performed.

[0091] Next, the processor 21 of the management server 20 evaluates the trained operation model 93 generated by machine learning (S4). Here, the processor 21 of the management server 20 uses evaluation data different from the learning data used for machine learning to evaluate the model. For example, as shown in FIG. 10, the processor 21 of the management server 20 inputs predetermined financial information and crypto asset information as input information. Thereafter, the processor 21 of the management server 20 evaluates whether the output information output from the trained operation model 93 is a correct result. Here, the output information is, for example, operation information, and is output in a format including portfolio information.

[0092] Next, if the actual operation details match the generated operation information, the processor 21 of the management server 20 implements the generated trained operation model 93 (S5). Specifically, the processor 21 of the management server 20 stores the generated trained operation model 93 in the memory 22. This causes the trained operation model 93 to function in the management server 20.

[0093] Then, as shown in Figure 10, when input information including either predetermined financial information or crypto asset information, or a combination of these, is input to the implemented trained operation model 93, operation information for operating the crypto asset is output. Here, the operation information will include portfolio information.

[0094] The processor 21 of the management server 20 may periodically execute the process shown in Fig. 9 to update the trained operational model 93. That is, training data may be periodically added to improve the accuracy of the output results of the trained operational model 93. For example, the trained operational model 93 may be successively updated using deep learning technology.

[0095] <Information processing in processing systems> Next, information processing in the processing system 1 according to this embodiment will be described with reference to Figs. 11 to 19. Here, Figs. 11, 14 to 16, and 18 are sequence diagrams relating to crypto asset management in the processing system 1 according to this embodiment. In particular, Fig. 11 is a diagram showing the sequence executed in the processing system 1 from when a user generates a wallet to when the user registers. Also, Fig. 14 is a sequence diagram showing the flow of an increase in a user's crypto asset managed by the management server 20. Furthermore, Fig. 15 is a sequence diagram showing the flow of crypto asset management by the management server 20. And Fig. 16 is a sequence diagram showing the flow of crypto asset conversion processing by the management server 20. Additionally, Fig. 18 is a sequence diagram showing the flow of loan processing by the management server 20.

[0096] 12, 13, 17, and 19 are examples of screens displayed on the terminal device 10 according to the embodiment. In particular, FIG. 12 shows a virtual screen. ThoughtsFIG. 13 is a screen displaying information related to cryptocurrency management settings. FIG. 17 is a screen displaying information related to cryptocurrency conversion. FIG. 19 is a screen displaying information related to loans secured by cryptocurrency.

[0097] 11, the processor 12 of the terminal device 10 receives user input via the input interface 15, generates information related to wallet creation, and executes a wallet creation request process (S11). The information includes various pieces of information related to the user. The processor 12 transmits the generated information to the trading server 60 via the communication interface 14, and requests the trading server 60 to create a wallet (T11).

[0098] Next, the processor of the transaction server 60 determines whether to approve the wallet creation based on the received information (S12). If the processor of the transaction server 60 determines that the wallet creation is OK, it creates a wallet for the user and transmits wallet information related to the created wallet to the terminal device 10 via the communication interface (T12).

[0099] Next, the processor 12 of the terminal device 10 receives a user's operational input via the input interface 15 and generates login information (S13). The login information includes a user ID and a password. More specifically, the user's operational input is when the user operates the terminal device 10 to reach a web page managed by the management server 20 and inputs the user's ID and password via the input interface 15 on the login screen of the web page. Then, the processor 12 of the terminal device 10 transmits the generated login information together with a login request (T13) to the management server 20 via the communication interface 14.

[0100] When the login information and login request generated by the terminal device 10 are received by the management server 20 via the communication interface 23, the processor 21 of the management server 20 performs authentication processing for login based on the login information (S14). Specifically, the processor 21 of the management server 20 compares the received login information with the user information stored in the memory 22, and confirms whether the person making the login request is a registered user. If the processor 21 of the management server 20 can confirm user registration, it approves the user's login as a result of the authentication processing (T14). On the other hand, if the processor 21 of the management server 20 cannot confirm user registration, it requests the terminal device 10 to re-enter the user ID and password.

[0101] When the login is approved on the terminal device 10, a screen such as that shown in the upper part of Fig. 12 is displayed via the output interface 11 of the terminal device 10. Specifically, the screen 101 of the output interface 11 has tabs 102 to 107 on the left side, and a display unit 108 on the right side that displays information corresponding to each tab. Here, the tab 102 is set as "Top", the tab 103 is set as "Coins", the tab 104 is set as "Crypto Assets", the tab 105 is set as "Operation Conditions", the tab 106 is set as "Loans", and the tab 107 is set as "Shop". Furthermore, when the user is logged in, the "Top" tab 102 is selected, and new information, topics, etc. are displayed. Then, when the "Coins" tab 103 is selected by the user's operation, various virtual Thoughts A graph of currency price fluctuations is displayed, allowing users to Thoughts Users can freely select crypto assets such as currency and easily check financial information related to the selected crypto asset. Details of the "Crypto Assets," "Operation Conditions," and "Loans" tabs will be described later. On the other hand, the "Shop" tab 107 may have a function to display on the display unit 108 a website where users can purchase mining equipment 40 sold by the service provider. The screen 101 also displays a function to pay (return) the crypto asset accumulated through operation to the user. and There may be a "Payment" tab to request payment.

[0102] Next, the processor 12 of the terminal device 10 receives a user input via the input interface 15 and generates investment setting information (S15). As a specific example of a user input, as shown in FIG. 13 , the “investment conditions” tab 105 is selected, and one of three types of investment conditions is selected from the display unit 108. For example, there are three types of investment conditions: “normal automatic investment,” “AI-based automatic investment,” and “no investment.” “Normal automatic investment” refers to investment based on the investment destination, investment amount, and portfolio selected by the user in the initial stage, and is a pattern in which investment information is sent from the information acquisition unit 91 in FIG. 7 to the investment processing unit 94 to start investment. Therefore, when “normal automatic investment” is selected, the screen may transition to a screen for selecting, inputting, and confirming the investment destination, investment amount, and portfolio. Furthermore, “AI-based automatic investment” refers to investment using the trained investment model 93 in FIG. 7. In this case, the trained investment model 93 outputs the conditions necessary for investment, eliminating the need for the user to select investment conditions. The initial state may be a state in which "normal automatic operation" or "automatic operation by AI" is selected, or a state in which "no operation" is selected.

[0103] Next, the processor 12 of the terminal device 10 transmits the operation setting information to the management server 20 via the communication interface 14 (T15). When the operation setting information generated by the terminal device 10 is received by the management server 20 via the communication interface 23, the processor 21 of the management server 20 executes a registration process to store the operation setting information in the memory 22 (S16). More specifically, the information acquisition unit 91 transmits the operation setting information to the storage unit 92, and the operation setting information may be stored or updated in the user management table in the storage unit 92 as part of the operation information.

[0104] Next, according to Fig. 14, the processor 21 of the management server 20 executes a mining request process (S21). Specifically, the processor 21 of the management server 20 performs a process to discover a block that requires approval on the blockchain. When the processor 21 (mining pool unit 97) of the management server 20 discovers the block, it creates request information for creating a hash in the mining device 40 connected via the network 80. Then, the processor 21 of the management server 20 sends a mining request together with the request information to the mining device 40 via the communication interface 23 (T21).

[0105] Next, the mining device 40 executes the mining process based on the received request information (S22). Specifically, the mining device 40 generates a hash corresponding to the block discovered in the management server 20. The mining device 40 then transmits the generated hash to the management server 20 (T22). The hash is then transmitted to each node terminal device in the distributed ledger system 30 via the management server 20.

[0106] Thereafter, when the mining process by the mining device 40 is successful, the processor 21 (mining pool unit 97) of the management server 20 generates reward information to distribute to the user (mining device 40) a reward as compensation for the success (S23). Then, the processor 21 of the management server 20 executes an update process for the crypto asset information stored in the memory 22 based on the reward information (S24). As such mining process continues and success rewards are generated, the crypto asset linked to the user managed by the management server 20 will increase.

[0107] Meanwhile, the processor 12 of the terminal device 10 accepts user input via the input interface 15 and executes a process for granting crypto asset management authority (S25). Specifically, the user operates the wallet application on the terminal device 10, and a process is carried out in which the user transfers the crypto asset managed in the user's own wallet to the management server 20. In other words, a procedure is carried out in which ownership rights of the crypto asset held by the user are transferred to the service provider, who is the administrator of the management server 20.

[0108] When this processing is performed, management authority for the crypto asset is granted to the management server 20 (T23), and the crypto asset linked to the user is stored in memory 22 of the management server 20. That is, the processor 21 of the management server 20 updates the crypto asset information stored in memory 22 (S26). By performing this processing to grant management authority, the crypto asset managed by the management server 20 increases in addition to the increase in crypto asset due to mining rewards.

[0109] Next, according to Figure 15, the processor 21 of the management server 20 executes a process for generating management information for managing crypto assets (S31). Specifically, if "automatic management by AI" is selected in S15, the processor 21 of the management server 20 inputs the crypto asset information and price information stored in the memory 22 into the trained management model 93, and the latest management information is output from the trained management model 93. On the other hand, if "normal automatic management" is selected in S15, the information acquisition unit 91 sorts and generates management information from external information.

[0110] Next, the processor 21 of the management server 20 performs management processing of the crypto asset based on the generated management information. Specifically, the processor 21 of the management server 20 (management processing unit 94) transmits the trading information together with a request to buy or sell a predetermined financial product to the trading server 60 via the communication interface 23 (T31). After that, the trading server 60, which has received the trading information, performs trading processing based on the trading information (S32). Subsequently, the trading server 60 transmits information related to the investment results based on the trading transaction, i.e., the gain or loss, to the management server 20 (T32).

[0111] Next, processor 21 of management server 20 performs an update process for the crypto asset information stored in memory 22 based on the received information regarding the results or losses (S33). Specifically, management information and management result information are sent from management processing unit 94 to storage unit 92, and the user management table is updated in storage unit 92. Processor 21 of management server 20 then sends the updated crypto asset information to terminal device 10 via communication interface 23 (T33). Thereafter, in terminal device 10, processor 12 displays the crypto asset information via output interface 11, and a crypto asset confirmation process is performed (S34). More specifically, when a user selects the "Crypto Asset" tab 104 in Figure 12, the balance of the crypto asset that the user has requested management of is displayed.

[0112] Next, the processor 12 of the terminal device 10 receives a user operation input via the input interface 15 and performs a process of generating payment request information (S35). As a specific example of a user operation input, the user clicks or touches "Payment" displayed on the screen of the terminal device 10, and the asset (cryptocurrency, virtual currency, etc.) to be paid is Thoughts The payment method (currency, legal tender, electronic money) is selected and the amount is entered. When a final decision button such as "Execute" is clicked or touched, payment request information is generated.

[0113] Next, the processor 12 of the terminal device 10 transmits the payment request information together with the payment request to the management server 20 via the communication interface 14 (T34). When the payment request information generated by the terminal device 10 is received by the management server 20 via the communication interface 23, the processor 21 of the management server 20 executes payment processing based on the payment request information (S36). Specifically, the payment processing unit 98 performs payment processing according to the payment conditions for the crypto asset for which management has been requested by the user who made the payment request, based on the payment request information. Specific payment processing includes transferring a specified crypto asset to the user's wallet, or payment in legal tender or the like via a financial institution.

[0114] Furthermore, payment information is sent from the payment processing unit 98 to the memory unit 92, and the user management table is updated in the memory unit 92. Then, the processor 21 of the management server 20 sends the updated crypto asset information to the terminal device 10 via the communication interface 23 (T35). Thereafter, in the terminal device 10, the processor 12 may display the crypto asset information via the output interface 11, and a crypto asset confirmation process may be performed.

[0115] Next, according to FIG. 16, the processor 12 of the terminal device 10 receives user input via the input interface 15 and performs a process for generating conversion request information (S41). As a specific example of user input, as shown in FIG. 17, when the "Crypto Assets" tab 104 is selected, the display unit 108 displays the crypto assets for which the user has granted management authority and their balances. Here, a "Convert" button 121 is displayed below the balance of each crypto asset. When the user clicks or touches the button 121, a display unit 122 for requesting conversion pops up. The display unit 122 displays a selection unit 123 where the user can select the "destination crypto asset," an input unit 124 where the user can input the desired conversion amount, and a "Request" button 125. When the user selects a crypto asset in the selection unit 123, inputs the desired conversion amount, and clicks or touches the "Request" button 125, conversion request information is generated.

[0116] Next, the processor 12 of the terminal device 10 transmits the conversion request information together with the conversion request to the management server 20 via the communication interface 14 (T41). When the conversion request information generated by the terminal device 10 is received by the management server 20 via the communication interface 23, the processor 21 of the management server 20 executes a conversion process based on the conversion request information (S42). Specifically, the conversion processing unit 95 performs a conversion process for the crypto asset for which management has been requested by the user who made the conversion request, into another selected crypto asset based on the conversion request information. The conversion information is also transmitted from the conversion processing unit 95 to the memory unit 92, and the user management table is updated in the memory unit 92. The processor 21 of the management server 20 then transmits the updated crypto asset information to the terminal device 10 via the communication interface 23 (T42). Thereafter, in the terminal device 10, the processor 12 displays the crypto asset information via the output interface 11, and a crypto asset confirmation process is performed (S43).

[0117] Next, processor 21 of management server 20 executes a process for generating management information for managing crypto assets (S44). After that, processor 21 of management server 20 performs management processing (a buy / sell request) for crypto assets based on the generated management information (T43). Subsequently, trading server 60 performs a buy / sell process based on the buy / sell information received from management server 20 (S45). Then, trading server 60 transmits information related to the results or losses of the management results based on the buy / sell transaction to management server 20 (T44). Note that these processes are the same as S31, T31, S32, and T32 in FIG. 15, and therefore detailed description thereof will be omitted.

[0118] Next, processor 21 of management server 20 performs an update process for the crypto asset information stored in memory 22 based on the received information related to the results or losses (S46). Then, processor 21 of management server 20 transmits the updated crypto asset information to terminal device 10 via communication interface 23 (T45). Thereafter, in terminal device 10, processor 12 displays the crypto asset information via output interface 11, and a crypto asset confirmation process is performed (S47). Note that these processes are the same as S33, T33, and S34 in Figure 15, so detailed explanation will be omitted.

[0119] Next, as shown in FIG. 18, the processor 12 of the terminal device 10 accepts a user input via the input interface 15 and performs a process for generating loan request information (S51). As a specific example of a user input, as shown in FIG. 19, when the "Loan" tab 106 is selected, information related to the loan details is displayed on the display unit 108. For example, a selection unit 131 for selecting a currency is displayed next to the display of "Loan Currency." Furthermore, an input unit 132 for inputting the loan amount is displayed next to the display of "Loan Amount." Furthermore, below the selection unit 131 and the input unit 132, a button 133 labeled "Explanation of Loan Terms" is displayed. And below the button 133, a button 134 labeled "Request" is displayed. The user selects a loan currency in the selection unit 131, enters the loan amount in the input unit 132, and clicks or touches the "Request" button 134, thereby generating loan request information. When the user clicks or touches button 133, a screen will pop up explaining the various conditions related to the loan. By checking this screen, the user can understand the loan conditions and make a final decision on whether or not to request a loan.

[0120] Next, processor 12 of terminal device 10 transmits the loan request information together with the loan request to management server 20 via communication interface 14 (T51). When the loan request information generated by terminal device 10 is received by management server 20 via communication interface 23, processor 21 of management server 20 executes loan processing based on the loan request information (S52). Specifically, loan processing unit 96 performs an examination based on the loan request information and executes loan processing based on the examination results. In addition, loan information is transmitted from loan processing unit 96 to memory unit 92, where the user management table is updated.

[0121] Next, processor 21 of management server 20 transmits loan information, which is the result of the loan examination, to terminal device 10 via communication interface 23 (T52). Processor 21 of management server 20 also transmits a remittance request together with the loan information to transaction server 60 (T53). After that, transaction server 60, which has received the loan information, performs a remittance process based on the loan information (S53). Next, remittance information, which is the result of the remittance process, is transmitted from transaction server 60 to terminal device 10 (T54). Then, in terminal device 10, processor 12 displays the loan result via output interface 11 based on the received loan information and remittance information, and a confirmation process is performed on the loan result, which is the currency lent and its amount (S54).

[0122] In the above-described embodiment, the trained operation model 93, which is a generation AI, is used to generate operation information, but the generation AI may also be used for loan screening. In this case, the loan processing unit 96 may include a trained screening model, and when user information, loan conditions, etc. are input to the trained screening model, the screening result may be output.

[0123] <Embodiments of the present disclosure> A first embodiment of the present disclosure is a processing device that manages a user's crypto asset, and includes: a memory unit that stores crypto asset information linked to the user; a conversion processing unit that converts at least a portion of the crypto asset into other crypto assets and updates the crypto asset information; an investment processing unit that manages at least one of the crypto asset and the other crypto asset, or manages financial products based on the crypto asset or the other crypto asset, and updates the crypto asset information according to the results of the investment; and a payment processing unit that processes payments to the user based on the updated crypto asset information.

[0124] In such a processing device, the managed crypto assets can be freely converted into other crypto assets, which broadens the range of options for managing crypto assets and allows users to select and manage crypto assets with higher profitability or more stable crypto assets. In other words, such a processing device manages the user's crypto assets and can manage the crypto assets on behalf of the user to generate profits, making it possible for the user to receive profits from the management of their crypto assets.

[0125] A second embodiment of the present disclosure is the first embodiment, in which the operation processing unit starts the operation upon receiving an operation request from the user. This allows the user's intention to be respected and the initial contract (transaction) related to the operation of the crypto asset to be executed accurately.

[0126] A third embodiment of the present disclosure is the first or second embodiment, in which the crypto asset is a virtual asset. Thoughts currency, and the conversion processing unit Thoughts Currency can be converted to other virtual currencies. Thoughts This allows users to select assets that are of high value to them and manage their assets accordingly.

[0127] The fourth embodiment of the present disclosure is the third embodiment in which the other virtual Thoughts The currency is a stablecoin, which will reduce losses during the operation phase and enable stable operation.

[0128] A fifth embodiment of the present disclosure is any of the first to fourth embodiments, further comprising a loan processing unit that performs a loan process for the user using the crypto asset as collateral based on the crypto asset information and updates the crypto asset information, thereby increasing the utility value of crypto assets for users and promoting the growth of financial markets.

[0129] A sixth embodiment of the present disclosure is the fifth embodiment, wherein the loan processing unit is a virtual loan secured by the crypto asset. Thoughts The purpose of this project is to provide a lending process for cryptocurrencies or legal tender, which will increase the value of crypto assets for users and promote daily economic activity.

[0130] A seventh embodiment of the present disclosure is any of the first to sixth embodiments, in which the investment processing unit includes a trained investment model that generates investment information for the investment when financial information in the financial market and the crypto asset information are input. This enables the investment of crypto assets with higher accuracy and enables users to achieve more results.

[0131] An eighth embodiment of the present disclosure is the seventh embodiment, in which the trained management model constructs a portfolio according to the financial information and the cryptocurrency information, and outputs the portfolio information together with the management information. This enables more accurate management of cryptocurrency and enables users to achieve more results.

[0132] A ninth embodiment of the present disclosure is any of the first to eighth embodiments, in which the cryptocurrency is a reward for mining processing by a mining device owned by the user. This allows the user to install a mining device and receive rewards for mining processing, and to easily manage the cryptocurrency based on the rewards.

[0133] A tenth embodiment of the present disclosure is the ninth embodiment, further comprising a mining pool unit that requests mining from the mining device and oversees the mining process to determine the reward for the user. This increases the probability that the user will receive a reward, and allows for more efficient management of crypto assets based on the reward.

[0134] An eleventh embodiment of the present disclosure is a processing method for managing a user's crypto assets, comprising the steps of: storing crypto asset information associated with the user; converting at least a portion of the crypto asset into another crypto asset and updating the crypto asset information; investing in at least one of the crypto asset and the other crypto asset, or investing in financial products funded by the crypto asset or the other crypto asset, and updating the crypto asset information according to the results of the investment; and making a payment to the user based on the updated crypto asset information. In this processing method, the managed crypto asset can be freely converted into another crypto asset, broadening the range of options for crypto asset investment and allowing users to select and manage crypto assets with higher performance or more stable crypto assets. In other words, this processing method allows the user's crypto assets to be easily managed, and crypto assets can be managed on behalf of the user to generate results, enabling the user to benefit from the results of crypto asset investment.

[0135] A twelfth embodiment of the present disclosure is a processing program for managing a user's crypto assets, which causes a computer to execute a process of storing crypto asset information associated with the user, updating the crypto asset information when at least a portion of the crypto asset is converted into another crypto asset, investing in at least one of the crypto asset and the other crypto asset, or investing in financial products funded by the crypto asset or the other crypto asset, updating the crypto asset information according to the results of the investment, and making payments to the user based on the updated crypto asset information. Such a processing program allows managed crypto assets to be freely converted into other crypto assets, thereby broadening the range of options for crypto asset investment and allowing users to select and manage crypto assets with higher performance or more stable crypto assets. In other words, the processing program allows the user's crypto assets to be easily managed, can invest crypto assets on behalf of the user to generate results, and enables the user to benefit from the results of crypto asset investment. [Explanation of symbols]

[0136] 1 Processing System 10 Terminal Equipment 20 Management server (processing device) 30 Distributed Ledger Systems 40 mining equipment 50 Trading Systems 60 trading servers 70 Data Server 91 Information Acquisition Department 92 Memory section 93 Learned Operational Models 94 Operation Processing Unit 95 Conversion processing section 96 Loan Processing Department 97 Mining Pool Department 98 Payment Processing Unit

Claims

1. A processing device for managing crypto assets whose ownership rights have been transferred from a user to a service provider, A storage unit that stores crypto asset information linked to the user; A conversion processing unit that converts at least a portion of the crypto asset into another crypto asset and updates the crypto asset information; an investment processing unit that manages at least one of the crypto assets and the other crypto assets, or manages financial products that use the crypto assets or the other crypto assets as capital, and updates the crypto asset information according to the results of the management; A processing device having a payment processing unit that, when it receives payment request information from the user's terminal device including information on the payment object selected by the user, along with a payment request based on a delivery claim right based on the crypto asset before the ownership rights are transferred from the service provider to the user, performs a payment process in which the crypto asset is converted into the asset selected by the user as the payment object and paid to the user based on the updated crypto asset information and the payment request information.

2. The processing device according to claim 1 , wherein the operation processing unit starts the operation upon receiving an operation request from the user.

3. The crypto asset is a virtual currency, The processing device according to claim 1 , wherein the conversion processing unit converts the virtual currency into another virtual currency.

4. The processing device according to claim 3 , wherein the other virtual currency is a stable coin.

5. The processing device according to claim 1 , further comprising a loan processing unit that performs a loan process for the user using the crypto asset as collateral based on the crypto asset information, and updates the crypto asset information.

6. The processing device according to claim 5 , wherein the loan processing unit performs a loan process of virtual currency or legal tender using the crypto asset as collateral.

7. The processing device according to claim 1 , wherein the management processing unit includes a learned management model that generates management information for carrying out the management when financial information in the financial market and the crypto asset information are input.

8. The processing device according to claim 7 , wherein the learned operation model constructs a portfolio based on the financial information and the crypto asset information, and outputs the operation information including information on the portfolio.

9. The processing device according to claim 1 , wherein the cryptocurrency is a reward for mining processing performed by a mining device owned by the user.

10. The processing device according to claim 9 , further comprising a mining pool unit that requests the mining device to perform mining and controls the mining process to determine the reward for the user.

11. A processing method for managing crypto assets whose ownership rights have been transferred from a user to a service provider by a computer, comprising the steps of: storing crypto asset information associated with the user; converting at least a portion of the crypto asset into another crypto asset and updating the crypto asset information; a step of managing at least one of the crypto assets and the other crypto assets, or managing financial products that use the crypto assets or the other crypto assets as capital, and updating the crypto asset information according to the results of the management; The processing method comprises a payment process in which, when payment request information including information on the payment object selected by the user along with a payment request based on a delivery claim right based on the crypto asset before the ownership rights are transferred from the service provider to the user is received from the user's terminal device, the crypto asset is converted into the asset as the payment object selected by the user based on the updated crypto asset information and the payment request information, and a payment process is performed to pay the user.

12. A processing program for managing crypto assets whose ownership rights have been transferred from a user to a service provider, storing crypto asset information associated with the user; When at least a portion of the crypto asset is converted into another crypto asset, the crypto asset information is updated; Investing in at least one of the crypto assets and the other crypto assets, or investing in financial products that use the crypto assets or the other crypto assets as capital, and updating the crypto asset information according to the results of the investment; A processing program that causes a computer to execute a process of converting the crypto asset into the asset selected by the user as the payment object based on the updated crypto asset information and the payment request information, and paying the user, when payment request information including information on the payment object selected by the user is received from the user's terminal device along with a payment request based on the delivery claim right based on the crypto asset before the ownership rights are transferred from the service provider to the user.