Suggestion system

Abstract

A suggestion system according to the present invention comprises a wallet management unit that creates a virtual wallet for integrating and managing a plurality of wallets of a user, a condition acquisition unit that acquires first information that indicates a product that the user wants to purchase and second information that indicates a plurality of virtual currencies that are managed by the virtual wallet and can be used to pay for the product, a suggestion unit that uses the first information, the second information, and information about transactions in the plurality of virtual currencies at markets at which virtual currency is transacted to determine a plurality of patterns for payment for the product, and a pattern association unit that transmits the plurality of patterns to a terminal of the user.

Description

Proposed system

[0001] The present invention relates to a proposal system.

[0002] Technologies for managing virtual currencies (crypto assets) are known. Patent Document 1 discloses a technology for managing multiple currencies by integrating and managing multiple wallets. Patent Document 2 discloses a technology for presenting the management status of virtual currencies to users when making payments using virtual currencies.

[0003] JP 2021-47573 A JP 2019-86962 A

[0004] When purchasing goods using virtual currency, users may find it difficult to determine how to pay. Therefore, there is a need for a system that improves user convenience when purchasing goods using virtual currency.

[0005] The present disclosure aims to improve user convenience when purchasing products using virtual currency.

[0006] A proposed system according to one aspect of the present disclosure includes a wallet management unit that creates a virtual wallet for integrating and managing a user's multiple wallets; a condition acquisition unit that acquires first information indicating a product that the user wishes to purchase and second information indicating a plurality of virtual currencies that are managed by the virtual wallet and can be used to pay for the product; a proposal unit that determines a plurality of patterns for paying for the product using the first information, the second information, and information regarding transactions of a plurality of virtual currencies in a market where virtual currencies are traded; and a pattern linking unit that transmits the plurality of patterns to the user's terminal.

[0007] In a proposed system according to one aspect of the present disclosure, a user's multiple wallets are integrated to create a virtual wallet. Multiple payment patterns for products are determined based on the first information, the second information, and information related to transactions of multiple virtual currencies. In other words, the multiple patterns are determined taking into consideration specified conditions (the first information and the second information) and virtual currency market information (information related to transactions). The multiple patterns are then provided to the user's terminal. In other words, information on how the virtual currency managed in the virtual wallet can be used to purchase products is provided to the user. This improves user convenience when purchasing products using virtual currency.

[0008] According to the present disclosure, it is possible to improve user convenience when purchasing products using virtual currency.

[0009] Fig. 1 is a diagram illustrating an example of an overview of purchasing a product using virtual currency. Fig. 2 is a block diagram illustrating an example of an overall configuration including a proposed system. Fig. 3 is a flowchart illustrating an example of the operation of the proposed system. Fig. 4 is a flowchart illustrating another example of the operation of the proposed system. Fig. 5 is a diagram illustrating an example of the hardware configuration of the proposed system.

[0010] The present disclosure will be described with reference to the accompanying drawings. Whenever possible, the same parts are designated by the same reference numerals and redundant description will be omitted.

[0011] FIG. 1 is a diagram illustrating an example of an overview of purchasing goods using virtual currency. A user of the proposed system acquires multiple wallets W. The user can manage each of the multiple wallets W, for example, via a web browser on the terminal or a dedicated application. The number of multiple wallets W is not limited. In one example, the multiple wallets W may be three wallets W1 to W3.

[0012] Each of the multiple wallets W manages a digital asset. In this disclosure, a digital asset refers to digital data that can be recorded on a blockchain. Examples of digital assets include, but are not limited to, virtual currencies, non-fungible tokens (NFTs), tokens, and virtual items.

[0013] In the proposed system, a virtual wallet V is created by integrating multiple wallets W. The virtual wallet V integrates and manages the digital assets managed by multiple wallets W (e.g., wallets W1 to W3).

[0014] A user purchases a product on Marketplace M. Marketplace M is, for example, a marketplace where digital assets can be traded. In one example, the user purchases a new NFT on Marketplace M. Payment is made using virtual currency or tokens, etc. (hereinafter collectively referred to as "virtual currency") among the digital assets managed by Virtual Wallet V.

[0015] The proposal system determines multiple payment patterns based on the conditions for purchasing a product. The proposal system proposes the multiple patterns to the user. The user selects a specific pattern from the multiple patterns and completes the purchase of the product. The virtual wallet V newly manages the purchased product as a digital asset.

[0016] 2 is a block diagram showing an example of the overall configuration including the proposal system 1. For example, the proposal system 1 includes a transaction management device 10 and a bundler 20 (proposal unit). The transaction management device 10 is communicably connected to a terminal 100, the bundler 20, and a blockchain network 30 via a network. The configuration of the network is not limited. Information is transmitted and received between the devices using electronic data.

[0017] Transaction management device 10 is a device that manages transactions in marketplace M. Marketplace M may be provided by transaction management device 10 or may be provided by a separate system.

[0018] The bundler 20 is a device that proposes payment patterns for virtual currency. The bundler 20 supports externally owned accounts (EOAs) that comply with the ERC-4337 (Ethereum Request for Comments 4337) standard, for example.

[0019] The blockchain network 30 is a computer system made up of multiple nodes. For example, the blockchain network 30 shares a ledger on a blockchain. The blockchain network 30 is constructed using, for example, Ethereum.

[0020] The terminal 100 is a computer used by a user who uses the proposal system 1. The type of the terminal 100 is not limited. For example, the terminal 100 may be a personal computer. The terminal 100 may be a high-function mobile phone (smartphone), a tablet terminal, a wearable terminal, or the like. The terminal 100 may be equipped with a dedicated application for managing multiple wallets W. The user of the terminal 100 accesses the marketplace M via a web browser provided on the terminal 100.

[0021] The transaction management device 10 includes, as functional elements, a wallet management unit 11, a condition acquisition unit 12, a request creation unit 13, a request linkage unit 14, a pattern linkage unit 15, and a notification unit 16.

[0022] The wallet management unit 11 acquires information on multiple wallets W from the terminal 100. For example, the wallet management unit 11 performs user authentication for each wallet, thereby linking the transaction management device 10 with each wallet. The wallet management unit 11 creates a virtual wallet V for integrating and managing multiple wallets W of a user. The virtual wallet V can acquire information from multiple wallets W. This allows the virtual wallet V to manage multiple virtual currencies in multiple wallets W.

[0023] The condition acquisition unit 12 acquires conditions for purchasing a product in the marketplace M. For example, the condition acquisition unit 12 acquires first information indicating a product that the user wishes to purchase, and second information indicating a plurality of virtual currencies that are managed by the virtual wallet V and can be used to pay for the product. The second information may be input by the user via the terminal 100. The second information may be specified in advance by an operator of the marketplace M, etc.

[0024] The request creation unit 13 creates a request indicating an abstracted process using the conditions. For example, the request creation unit 13 creates a request specifying a product that the user wishes to purchase (first information) and an upper limit of the number of multiple virtual currencies that can be used to purchase the product (second information).

[0025] The request association unit 14 sends a request to the terminal 100. The terminal 100 presents the request to the user and accepts a signature from the user. The terminal 100 sends the signed request to the transaction management device 10. The request association unit 14 receives the signed request from the terminal 100. The request association unit 14 sends the signed request to the bundler 20. The bundler 20 performs processing based on the request. For example, the bundler 20 determines multiple patterns for payment for the product using the first information, the second information, and information related to transactions of multiple virtual currencies in a market where virtual currencies are traded (hereinafter referred to as the "exchange market"). The exchange market is open to the public on the Internet. Payment for the product may be made using a combination of multiple currencies.

[0026] The pattern linking unit 15 receives multiple patterns from the bundler 20. The pattern linking unit 15 transmits the multiple patterns to the terminal 100. The terminal 100 presents the multiple patterns to the user and accepts selection of a specific pattern. The terminal 100 transmits the selected specific pattern to the transaction management device 10. The bundler 20 issues a transaction as transaction information based on the specific pattern. The blockchain network 30 executes the transaction and records the transaction information on the blockchain.

[0027] The notification unit 16 monitors the approval status of a transaction on the blockchain. When the notification unit 16 detects that the approval of the transaction has been completed, it notifies the terminal 100 that the transaction has been completed.

[0028] An example of an operation method of the proposed system 1 will be described with reference to Figures 3 and 4. Figure 3 is a flowchart showing an example of the operation of the proposed system 1 as a process flow M1. In the process flow M1, the user of the terminal 100 has already acquired multiple wallets W.

[0029] In step S1, terminal 100 initiates a connection with transaction management device 10. For example, terminal 100 accesses marketplace M via a web browser. Terminal 100 transmits information on multiple wallets W used in marketplace M to transaction management device 10. Wallet management unit 11 acquires information on multiple wallets W from terminal 100.

[0030] In step S2, transaction management device 10 connects to multiple wallets W. In steps S1 to S2, terminal 100 may link multiple wallets W with transaction management device 10 through user authentication for each wallet.

[0031] In step S3, the wallet management unit 11 creates a virtual wallet V for integrating and managing the user's multiple wallets W.

[0032] In step S4, the terminal 100 accepts input of conditions related to the product purchase. For example, the user of the terminal 100 selects a product on the marketplace M via a web browser and performs a purchase operation. The terminal 100 accepts input of conditions from the user. The conditions include first information indicating the product the user wishes to purchase and second information that is managed by the virtual wallet V and indicates multiple virtual currencies that can be used to pay for the product. In other words, the conditions include information specifying the product to be purchased and an upper limit on the number of virtual currencies that can be used. The conditions may include information on a virtual currency that is to be used preferentially. The conditions may include information on virtual currencies that cannot be used. The second information may be limited to inputting a type of virtual currency that is specified in advance by the operator of the marketplace M, etc.

[0033] In step S5, terminal 100 transmits the conditions to transaction management device 10. For example, terminal 100 transmits the conditions to transaction management device 10 in response to pressing a button indicating completion of input of conditions on a web page. Condition acquisition unit 12 acquires the conditions for purchasing a product on marketplace M. For example, condition acquisition unit 12 acquires first information and second information.

[0034] In step S6, the request creation unit 13 creates a request indicating the abstracted process using the conditions. For example, the request creation unit 13 creates a request specifying a product that the user wishes to purchase (first information) and an upper limit of the number of multiple virtual currencies that can be used to purchase the product (second information).

[0035] In one example, the request creation unit 13 creates an Intent that expresses the user's intention. The data structure of the Intent is, for example, as follows: Ask: product that the user wishes to purchase; Bid: upper limit of the number of virtual currencies that can be used to purchase the product; Sig: signature of the user.

[0036] In step S6, the request creation unit 13 creates an Intent other than sig. The request creation unit 13 specifies first information in Ask. In one example, the request creation unit 13 specifies a contract address of the product in Ask. The request creation unit 13 specifies second information in Bid. In one example, the request creation unit 13 specifies 100 USDC (USD Coin) and 10 ETH (Ethereum) in Bid. In this case, the upper limit number for USDC is 100, and the upper limit number for ETH is 10.

[0037] In step S7, the request connection unit 14 transmits a request to the terminal 100. For example, the request connection unit 14 transmits an Intent to the terminal 100.

[0038] In step S8, the terminal 100 presents the request to the user and accepts a signature from the user. The signature is performed using the private key of the virtual wallet V. In one example, the terminal 100 attaches a signature to the sig of the Intent. The signature can be used to prevent (or detect) tampering of the Intent.

[0039] In step S9, the terminal 100 transmits the request with the signature attached to the transaction management device 10. The request association unit 14 receives the request with the signature attached from the terminal 100. In one example, the request association unit 14 receives from the terminal 100 an Intent with a signature attached to a sig.

[0040] 4 is a flowchart showing, as a process flow M2, another example of the operation of the proposed system 1. The process flow M2 is a continuation of the process flow M1 in FIG.

[0041] In step S10, the request association unit 14 sends the signed request to the bundler 20. In one example, the request association unit 14 sends an Intent including an Ask, a Bid, and a Sig to the bundler 20. The bundler 20 receives the request from the transaction management device 10.

[0042] In step S11, the bundler 20 performs processing based on the request. For example, the bundler 20 determines multiple payment patterns for the product using the first information, the second information, and information about transactions of multiple virtual currencies in the exchange market. In one example, the bundler 20 determines multiple payment patterns for the product based on a request that USDC and ETH can be used for a 1,000 yen product that a user wishes to purchase. In this case, the bundler 20 determines a combination of whether the 1,000 yen should be paid in USDC, ETH, or a combination of these.

[0043] The bundler 20 acquires information about transactions of multiple virtual currencies on the exchange market for the multiple virtual currencies specified in the bid. Examples of information about virtual currency transactions include, but are not limited to, information about the transaction amount or trading volume of each virtual currency. For example, the bundler 20 acquires the current value of the transaction amount (market price) of each virtual currency, the average value of the transaction amount over a period (annual average, monthly average, etc.), and the trading volume from the exchange market. For example, the bundler 20 determines three payment patterns for the product (first pattern, second pattern, and third pattern).

[0044] The bundler 20 may determine a payment pattern for the product using the virtual currencies in descending order of current transaction amount as a first pattern. For example, the bundler 20 calculates the current value of the transaction amount per unit for each of the multiple currencies specified in the bid. In one example, the bundler 20 calculates the current value of the transaction amount per unit for each of USDC and ETH. In this case, 1 USDC is x １ Yen (x １ >0), 1 ETH is x ２ Yen (x ２ >0). The bundler 20 sorts the calculated values ​​and determines a pattern for using as many as possible in the sort order (for example, descending order). "Using as many as possible" means using up to the upper limit number.

[0045] As a second pattern, the bundler 20 may determine a payment pattern for products using virtual currencies in descending order of the average transaction amount over a period of time. "High average transaction amount over a period of time" may mean, for example, that the monthly average for the previous month is higher than the annual average, but is not limited to this. For example, the bundler 20 calculates (monthly average for the previous month) - (yearly average) per unit for each of the multiple currencies specified in the bid. In one example, the bundler 20 calculates (monthly average for the previous month) - (yearly average) per unit for each of USDC and ETH. In this case, if 1 USDC is x ３ Yen (x ３ >0), 1 ETH is x ４ Yen (x ４ >0), etc. The bundler 20 sorts the calculated values ​​and determines as many patterns as possible for the sort order (e.g., descending order).

[0046] As a third pattern, the bundler 20 may determine a payment pattern for products using virtual currencies in descending order of transaction volume. For example, the bundler 20 sorts the virtual currencies specified in the bids using the transaction volume of each of the virtual currencies. The bundler 20 determines a pattern using as many virtual currencies as possible in the sort order (e.g., descending order).

[0047] In the process of determining multiple patterns, there may be cases where there is no combination of multiple virtual currencies that can be used for payment. For example, there may be cases where the price of the product is not covered even if the multiple virtual currencies specified in the bid are used up to the upper limit. In this case, the bundler 20 may feed back a payment pattern in which a specific virtual currency (e.g., virtual currency with the highest current transaction value) is added. In one example, if 100 USDC and 10 ETH are not enough to cover the price of the product, the bundler 20 may feed back a payment pattern in which 10 USDC is added.

[0048] The bundler 20 may further use the registration dates of each of the multiple virtual currencies to determine the multiple patterns. The registration dates may be, for example, the dates on which the user acquired each virtual currency. For example, it may be impossible to uniquely determine each of the multiple patterns. In this case, the bundler 20 may prioritize the virtual currency with the oldest registration date used in each pattern to uniquely determine the pattern.

[0049] In step S12, the bundler 20 transmits a plurality of patterns to the transaction management device 10. The pattern linking unit 15 receives the plurality of patterns from the bundler 20.

[0050] In step S13, pattern linking unit 15 transmits a plurality of patterns to terminal 100. Terminal 100 receives the plurality of patterns from transaction management device 10.

[0051] In step S14, the terminal 100 presents a plurality of patterns to the user and accepts selection of a specific pattern. For example, the terminal 100 presents a plurality of patterns to the user on a web page and accepts selection from the user.

[0052] In step S15, terminal 100 transmits the selected specific pattern to transaction management device 10. Pattern linking unit 15 receives the specific pattern from terminal 100.

[0053] In step S16, the pattern linking unit 15 transmits the specific pattern to the bundler 20. The bundler 20 receives the specific pattern from the transaction management device 10.

[0054] In step S17, the bundler 20 creates a transaction as transaction information based on a specific pattern.

[0055] In step S18, the bundler 20 issues the transaction to the blockchain network 30.

[0056] In step S19, the blockchain network 30 executes the transaction and records the transaction information on the blockchain.

[0057] In step S20, the notification unit 16 monitors the approval status of transactions on the blockchain.

[0058] In step S21, when the notification unit 16 detects that the transaction has been approved, it notifies the terminal 100 that the transaction has been completed.

[0059] As described above, the proposal system 1 according to one aspect of the present disclosure includes a wallet management unit 11 that creates a virtual wallet V for integrating and managing a user's multiple wallets W; a condition acquisition unit 12 that acquires first information indicating a product that the user wishes to purchase and second information indicating a plurality of virtual currencies that are managed by the virtual wallet V and can be used to pay for the product; a bundler 20 (proposal unit) that determines a plurality of patterns for paying for the product using the first information, the second information, and information regarding transactions of a plurality of virtual currencies in a market where virtual currencies are traded; and a pattern linking unit 15 that transmits the plurality of patterns to the user's terminal 100.

[0060] In a proposed system 1 according to one aspect of the present disclosure, a user's multiple wallets W are integrated to create a virtual wallet V. Multiple patterns for payment for goods are determined based on the first information, the second information, and information related to transactions of multiple virtual currencies. In other words, multiple patterns are determined taking into consideration specified conditions (the first information and the second information) and virtual currency market information (information related to transactions). The multiple patterns are then provided to the user's terminal 100. In other words, information on how the virtual currency managed in the virtual wallet V can be used to purchase goods is provided to the user. This improves user convenience when purchasing goods using virtual currency.

[0061] The transaction information is the transaction amount. The bundler 20 determines a payment pattern for the product using the first information, the second information, and the virtual currency with the highest current transaction amount. In this case, a pattern is determined in which the virtual currency with the highest current transaction amount is prioritized. Automatic selection of an economically rational virtual currency based on the current value can further improve user convenience.

[0062] The transaction information is the transaction amount. The bundler 20 determines a payment pattern for the product using the first information, the second information, and the virtual currencies with the highest average transaction amounts over a certain period. In this case, a pattern is determined that prioritizes the virtual currencies with the highest average transaction amounts over a certain period. By automatically selecting an economically rational virtual currency based on a certain period, user convenience can be further improved.

[0063] The transaction information is the transaction volume. The bundler 20 determines a payment pattern for the product using the first information, the second information, and the virtual currencies in descending order of transaction volume. In this case, by determining a pattern that prioritizes the virtual currencies with the largest transaction volume, convenience for users can be further improved.

[0064] The transaction management device 10 of the present disclosure may have the following configuration: [1] A proposal system comprising: a wallet management unit that creates a virtual wallet for integrating and managing multiple wallets of a user; a condition acquisition unit that acquires first information indicating a product the user wishes to purchase and second information indicating multiple virtual currencies that are managed by the virtual wallet and can be used to pay for the product; a proposal unit that determines multiple payment patterns for the product using the first information, the second information, and information regarding transactions of the multiple virtual currencies in a market where virtual currencies are traded; and a pattern linking unit that transmits the multiple patterns to the user's terminal. [2] The proposal system described in [1], wherein the information regarding the transaction is a transaction amount, and the proposal unit determines a payment pattern for the product using the first information, the second information, and virtual currencies in descending order of current value of the transaction amount. [3] The proposal system described in [1] or [2], wherein the information regarding the transaction is a transaction amount, and the proposal unit determines a payment pattern for the product using the first information, the second information, and virtual currencies in descending order of average value over a period of the transaction amount. [4] The proposal system according to any one of [1] to [3], wherein the information about the transaction is a transaction circulation volume, and the proposal unit determines a payment pattern for the product using the first information, the second information, and the virtual currencies in descending order of transaction circulation volume.

[0065] The block diagrams used to explain the above embodiments show functional blocks. These functional blocks (components) are realized by any combination of hardware and / or software. Furthermore, the method for realizing each functional block is not particularly limited. That is, each functional block may be realized using a single device that is physically or logically coupled, or may be realized using two or more physically or logically separated devices that are directly or indirectly connected (e.g., wired, wireless, etc.) and these multiple devices. The functional block may also be realized by combining software with the single device or multiple devices.

[0066] Functions include, but are not limited to, judgment, determination, assessment, calculation, computation, processing, derivation, investigation, search, confirmation, reception, transmission, output, access, resolution, selection, selection, establishment, comparison, assumption, expectation, consideration, broadcasting, notifying, communicating, forwarding, configuring, reconfiguring, allocating, mapping, and assignment. For example, a functional block (component) that performs transmission is called a transmitting unit or transmitter. As mentioned above, there are no particular limitations on how these functions are implemented.

[0067] For example, the proposal system 1 according to an embodiment of the present disclosure may function as a computer that performs information processing according to the present disclosure. Fig. 5 is a diagram illustrating an example of the hardware configuration of the proposal system 1 according to an embodiment of the present disclosure. The proposal system 1 described above may be physically configured as a computer device including a processor 1001, a memory 1002, a storage 1003, a communication device 1004, an input device 1005, an output device 1006, a bus 1007, and the like. The hardware configuration of the terminal 100 may also be as described here.

[0068] In the following description, the term "apparatus" can be interpreted as a circuit, a device, a unit, etc. The hardware configuration of the proposed system 1 may be configured to include one or more of the apparatuses shown in the drawings, or may be configured to exclude some of the apparatuses.

[0069] Each function in the proposed system 1 is realized by loading specified software (programs) onto hardware such as a processor 1001 and a memory 1002, causing the processor 1001 to perform calculations, control communication via a communication device 1004, and control at least one of reading and writing data in the memory 1002 and the storage 1003.

[0070] The processor 1001 controls the entire computer by running, for example, an operating system. The processor 1001 may be configured as a central processing unit (CPU) including an interface with peripheral devices, a control device, an arithmetic unit, a register, etc. For example, each function in the proposed system 1 described above may be realized by the processor 1001.

[0071] Furthermore, the processor 1001 reads programs (program codes), software modules, data, etc. from at least one of the storage 1003 and the communication device 1004 into the memory 1002 and executes various processes in accordance with these. The programs used are those that cause a computer to execute at least some of the operations described in the above-described embodiments. For example, each function in the proposed system 1 may be implemented by a control program stored in the memory 1002 and running on the processor 1001. While the above-described various processes have been described as being executed by one processor 1001, they may also be executed simultaneously or sequentially by two or more processors 1001. The processor 1001 may be implemented by one or more chips. The programs may also be transmitted from a network via a telecommunications line.

[0072] The memory 1002 is a computer-readable recording medium and may be configured, for example, by at least one of a read-only memory (ROM), an erasable programmable ROM (EPROM), an electrically erasable programmable ROM (EEPROM), a random access memory (RAM), etc. The memory 1002 may also be called a register, a cache, a main memory (primary storage device), etc. The memory 1002 can store executable programs (program codes), software modules, etc. for performing information processing according to an embodiment of the present disclosure.

[0073] The storage 1003 is a computer-readable recording medium, and may be composed of at least one of an optical disk such as a CD-ROM (Compact Disc ROM), a hard disk drive, a flexible disk, a magneto-optical disk (e.g., a compact disk, a digital versatile disk, a Blu-ray (registered trademark) disk), a smart card, a flash memory (e.g., a card, a stick, a key drive), a floppy (registered trademark) disk, a magnetic strip, etc. The storage 1003 may also be called an auxiliary storage device. The storage medium provided in the proposed system 1 may be, for example, a database, a server, or other appropriate medium including at least one of the memory 1002 and the storage 1003.

[0074] The communication device 1004 is hardware (transmission / reception device) for communicating between computers via at least one of a wired network and a wireless network, and is also called, for example, a network device, a network controller, a network card, or a communication module.

[0075] The input device 1005 is an input device (e.g., a keyboard, a mouse, a microphone, a switch, a button, a sensor, etc.) that receives input from the outside. The output device 1006 is an output device (e.g., a display, a speaker, an LED lamp, etc.) that outputs to the outside. The input device 1005 and the output device 1006 may be integrated into one device (e.g., a touch panel).

[0076] Furthermore, each device, such as the processor 1001 and the memory 1002, is connected by a bus 1007 for communicating information. The bus 1007 may be configured using a single bus, or may be configured using different buses between each device.

[0077] Furthermore, the proposed system 1 may be configured to include hardware such as a microprocessor, a digital signal processor (DSP), an application specific integrated circuit (ASIC), a programmable logic device (PLD), or a field programmable gate array (FPGA), and some or all of the functional blocks may be realized by the hardware. For example, the processor 1001 may be implemented using at least one of these pieces of hardware.

[0078] The order of the procedures, sequences, flowcharts, etc. of each aspect / embodiment described in this disclosure may be changed unless it is consistent. For example, the methods described in this disclosure present elements of various steps using an example order, and are not limited to the particular order presented.

[0079] Input and output information may be stored in a specific location (for example, memory) or may be managed using a management table. Input and output information may be overwritten, updated, or added to. Output information may be deleted. Input information may be transmitted to another device.

[0080] The determination may be made based on a value represented by one bit (0 or 1), a Boolean value (true or false), or a numerical comparison (e.g., comparison with a predetermined value).

[0081] The aspects / embodiments described in this disclosure may be used alone, in combination, or switched depending on the implementation. Notification of predetermined information (e.g., notification that "X is true") is not limited to explicit notification, but may be implicit (e.g., not notifying the predetermined information).

[0082] Although the present disclosure has been described in detail above, it is clear to those skilled in the art that the present disclosure is not limited to the embodiments described herein. The present disclosure can be implemented in modified and altered forms without departing from the spirit and scope of the present disclosure as defined by the claims. Therefore, the description of the present disclosure is intended to be illustrative and does not have any limiting meaning on the present disclosure.

[0083] Software shall be construed broadly to mean instructions, instruction sets, code, code segments, program code, programs, subprograms, software modules, applications, software applications, software packages, routines, subroutines, objects, executable files, threads of execution, procedures, functions, etc., whether referred to as software, firmware, middleware, microcode, hardware description language, or otherwise.

[0084] Software, instructions, information, etc. may also be transmitted or received over a transmission medium. For example, if software is transmitted from a website, server, or other remote source using wired technologies (such as coaxial cable, fiber optic cable, twisted pair, Digital Subscriber Line (DSL)), and / or wireless technologies (such as infrared, microwave), then these wired and / or wireless technologies are included within the definition of transmission media.

[0085] As used in this disclosure, the terms "system" and "network" are used interchangeably.

[0086] Furthermore, the information, parameters, etc. described in this disclosure may be expressed using absolute values, may be expressed using relative values ​​from a predetermined value, or may be expressed using other corresponding information.

[0087] As used in this disclosure, the terms "determining" and "determining" may encompass a wide variety of actions. "Determining" and "determining" may include, for example, judging, calculating, computing, processing, deriving, investigating, looking up, searching, inquiring (e.g., searching in a table, database, or other data structure), ascertaining, and the like. "Determining" and "determining" may also include receiving (e.g., receiving information), transmitting (e.g., sending information), input, output, accessing (e.g., accessing data in memory), and the like. Furthermore, "judgment" and "decision" can include regarding resolving, selecting, choosing, establishing, comparing, etc. as having been "judged" or "decided." In other words, "judgment" and "decision" can include regarding some action as having been "judged" or "decided." Furthermore, "judgment (decision)" can be interpreted as "assuming," "expecting," "considering," etc.

[0088] The terms "connected," "coupled," or any variation thereof, refer to any direct or indirect connection or coupling between two or more elements, and may include the presence of one or more intermediate elements between two elements that are "connected" or "coupled" to each other. The coupling or connection between elements may be physical, logical, or a combination thereof. For example, "connected" may be read as "access." As used in this disclosure, two elements may be considered to be "connected" or "coupled" to each other using one or more wires, cables, and / or printed electrical connections, as well as electromagnetic energy having wavelengths in the radio frequency range, microwave range, and optical (both visible and invisible) range, as some non-limiting and non-exhaustive examples.

[0089] As used in this disclosure, the phrase "based on" does not mean "based only on," unless expressly stated otherwise. In other words, the phrase "based on" means both "based only on" and "based at least on."

[0090] As used in this disclosure, any reference to an element using a designation such as "first," "second," etc. does not generally limit the quantity or order of those elements. These designations may be used in this disclosure as a convenient method of distinguishing between two or more elements. Thus, a reference to a first and a second element does not imply that only two elements may be employed or that the first element must in some way precede the second element.

[0091] When the terms "include," "including," and variations thereof are used in this disclosure, these terms are intended to be inclusive, similar to the term "comprising." Furthermore, when the term "or" is used in this disclosure, it is not intended to be an exclusive or.

[0092] In this disclosure, where articles are added by translation, such as a, an, and the in English, the disclosure may include that the nouns following these articles are in the plural form.

[0093] In the present disclosure, the term "A and B are different" may mean "A and B are different from each other." The term may also mean "A and B are each different from C." Terms such as "separate" and "coupled" may also be interpreted in the same way as "different."

[0094] 1...Proposed system, 10...Transaction management device, 11...Wallet management unit, 12...Condition acquisition unit, 13...Request creation unit, 14...Request linking unit, 15...Pattern linking unit, 16...Notification unit, 20...Bundler, 30...Blockchain network, 100...Terminal, V...Virtual wallet, W...Wallet

Claims

1. A proposal system comprising: a wallet management unit that creates a virtual wallet for integrating and managing a plurality of users' wallets; a condition acquisition unit that acquires first information indicating a product that the user wishes to purchase and second information indicating a plurality of virtual currencies that are managed by the virtual wallet and can be used for payment of the product; a proposal unit that determines a plurality of patterns related to payment of the product using the first information, the second information, and information related to transactions of the plurality of virtual currencies in the market where the virtual currencies are traded; and a pattern cooperation unit that transmits the plurality of patterns to the user's terminal.

2. The information related to the transaction is the transaction amount, and the proposal unit determines a pattern related to payment of the product using the virtual currencies in descending order of the current values of the first information, the second information, and the transaction amount. The proposal system according to claim 1.

3. The information related to the transaction is the transaction amount, and the proposal unit determines a pattern related to payment of the product using the virtual currencies in descending order of the period average values of the first information, the second information, and the transaction amount. The proposal system according to claim 1.

4. The information related to the transaction is the transaction circulation volume, and the proposal unit determines a pattern related to payment of the product using the virtual currencies in descending order of the transaction circulation volumes of the first information, the second information, and the transaction circulation volume. The proposal system according to claim 1.

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