Processing device, processing method, and processing program

Abstract

This processing device manages a crypto-asset of a user, and includes: a storage unit that stores crypt-asset information associated with 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 operation processing unit that performs an operation based on the crypto-asset and / or the another crypto-asset, or an operation based on a financial product which uses the crypto-asset or the another crypto-asset as the underlying asset, and updates the crypto asset information according to the result of the operation; and a payment processing unit that processes a payment to the user on the basis of the updated crypto-asset information.

Description

Processing device, processing method, and processing program

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

[0002] In recent years, crypto assets, such as virtual currencies, have attracted attention, and various services related to such crypto assets have been considered and launched. For example, Patent Literature 1 discloses a payment system that uses virtual currencies instead of legal tender. Furthermore, Patent Literature 2 discloses a technology that allows users to use virtual currencies in online games and promotes the consumption of virtual currencies.

[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 a user's device to prevent the user from selling their crypto assets.

[0004] JP 2019-145060 A JP 2022-49419 A Japanese Patent No. 7345211 A

[0005] However, the market value of cryptocurrencies is highly unstable, and their trading prices are prone to fluctuation. Therefore, 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.

[0007] According to one aspect of the present disclosure, there is provided "a processing device that manages a user's crypto asset, 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 operation 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 according to the results of the operation; and a payment processing unit that processes payments to the user based on the updated crypto asset information."

[0008] According to one aspect of the present disclosure, there is provided a "processing method for managing a user's 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 using 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; and making a payment to the user based on the updated crypto asset information."

[0009] According to one aspect of the present disclosure, there is provided a "processing program for managing a user's crypto assets, which causes a computer to execute a process of storing crypto asset information linked to the user, updating the crypto asset information when at least a portion of the crypto asset is converted into another crypto asset, managing at least one of the crypto asset and the other crypto asset, or managing using financial products funded by the crypto asset or the other crypto asset, updating the crypto asset information according to the results of the management, and making payments to the user based on the updated crypto asset information."

[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.

[0012] 1 is a schematic diagram showing an overview of crypto asset management by a processing system according to an embodiment. A schematic diagram showing the configuration of a processing system according to an embodiment. A block diagram showing the electrical configuration of a terminal device according to an embodiment. A block diagram showing the electrical configuration of a management server according to an embodiment. A block diagram showing the configuration of a distributed ledger system according to an embodiment. A block diagram showing the configuration of a mining device according to an embodiment. A functional block diagram related to information processing of a management server according to an embodiment. A schematic diagram showing an overview of a user management table stored in a management server according to an embodiment. A flow diagram showing the flow of setting a learned operation model set in a management server according to an embodiment. A schematic diagram showing information processing using a learned operation model set in a management server according to an embodiment. A sequence diagram related to crypto asset management in a processing system according to an embodiment. An example of a screen displayed on a terminal device according to an embodiment. An example of a screen displayed on a terminal device according to an embodiment. A sequence diagram related to crypto asset management in a processing system ...

[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] <Overview of the Processing System> The processing system according to the present disclosure, as an 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) upon the user's request.

[0015] Furthermore, the processing system according to the present disclosure is used when lending fiat currency or virtual currency using crypto assets managed in a management server as collateral. That is, the processing system can also be used as a money lending service system. For example, when managing a user's crypto assets as compensation for mining processing, the service provider may lend the fiat currency or virtual currency it owns directly to the user, or may lend the fiat currency or virtual currency to the user via another financial institution (a bank or virtual currency exchange). This allows the user to manage other assets or use everyday currency based on the crypto assets for which the service provider has granted management authority.

[0016] An overview of the processing system of the present disclosure will be described with reference to Fig. 1. Fig. 1 is a schematic diagram showing an overview of crypto asset management by the processing system according to this embodiment. In particular, Fig. 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, 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 crypto asset staking. Furthermore, management may involve the management server 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 FIG. 1, a user can use their own terminal device to make a request to convert crypto assets managed by the management server into other crypto assets. For example, a user can make a request to convert cryptocurrencies managed as rewards for mining processes into stablecoins or other cryptocurrencies. When the management server accepts the conversion request, it performs a process to convert the crypto asset into another crypto asset based on the conversion request. This allows the user to select a crypto asset with a rising market price or a crypto asset with a stable market price (stablecoin) in response to the market conditions of the crypto asset managed by the management server and other crypto assets. This selection of crypto assets enables aggressive management that further increases crypto assets or stable management that reduces losses.

[0021] Next, as shown in FIG. 1 , a user can use their own terminal device to make a loan request using crypto assets managed by the management server as collateral. For example, a user can request a loan of fiat currency using crypto assets managed as rewards for mining processing as collateral. The management server accepts the loan request and performs a predetermined review. If there are no problems with the loan, the management server lends the fiat currency to the user. Note that the loan object is not limited to fiat currency; it can also be other crypto assets such as virtual currencies. The user can appropriately select from the loan objects set by the service provider. This allows users to obtain fiat currency (including electronic money) needed in their daily lives or obtain funds for operational services provided by other providers based on the crypto assets for which the service provider has granted management authority.

[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. Furthermore, by selecting the cryptocurrency to be managed, users can make choices to increase profits or reduce losses from the management of their cryptocurrency. Furthermore, users can receive loans of fiat currency or virtual currency based on their increased cryptocurrency, and can utilize their cryptocurrency for various activities (such as everyday life or economic activities).

[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 performed 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" simply refer to 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), as well as new cryptocurrencies that will be created in the future. Furthermore, "crypto assets" also include stablecoins such as Dezhar (USDT), 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] <Configuration of Processing System> Next, a schematic configuration of a processing system according to this embodiment will be described with reference to FIG. 2 . 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 executes mining processes, 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 thereof. 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 focus on the case where the management server 20 functions as a processing device. However, the processing device in this disclosure may be any device that can execute 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 any 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 to include two or more of each device. Also, while the management server 20, the trading server 60, and the data server 70 are shown as single entities, it is also possible to distribute the components and processes of each server 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) glass, 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 EL 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 these programs. 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 retained even after the execution of the program has ended. In this embodiment, the memory 13 particularly stores programs for executing the processes described in the sequences of FIGS. 11, 14 to 16, and 18.

[0037] In addition, 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, MEWallet, and tokenPocket. Note that 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 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).In addition, 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 to cover the output interface 11, and transmits position coordinate information corresponding to image data output from the output interface 11 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 operations and tap operations on each icon, 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. 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 omit some components, or to add other components.

[0042] The management server 20 is typically a wireless communication-capable 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 composed of 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 FIGS. 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 managing at least one of a crypto asset and another crypto asset, or a financial product 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 a payment to the user based on the updated crypto asset information." The processor 21 may be composed of a single CPU or GPU, or may be composed of a combination of multiple CPUs and GPUs.

[0045] The memory 22 is composed of ROM, RAM, non-volatile memory, 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 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 the processes, etc., 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 a financial product 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." In addition, 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 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, according to 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).In addition, wired communication can be used instead of or in addition to wireless communication.

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

[0050] The trading server 60 and data server 70 that make up the trading system 50 also have the same configuration as 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 regarding 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 Fig. 5. Here, Fig. 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 Fig. 5; it is possible to omit some components, or to add other components.

[0052] 5, the distributed ledger system 30 comprises 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, 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 each other.

[0057] The node terminal devices 31 to 33 and the management server 20 manage the distributed ledger using, for example, blockchain technology. Specifically, either the node terminal devices 31 to 33 or the management server 20 acquires data related to token transactions to be recorded. The node terminal devices 31 to 33 and the management server 20 generate a block containing the acquired data. The node terminal devices 31 to 33 and the management server 20 add the generated block to the blockchain. The node terminal devices 31 to 33 and the management server 20 transmit information about the added block to the other node terminal devices 31 to 33 or the management server 20. The other node terminal devices 31 to 33 or the management server 20 verify the correctness of the received block. Furthermore, if the other node terminal devices 31 to 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 to 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 communicatively connected mining devices 40 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; it is possible for the configuration to omit some 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, an HDD, and the like, 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 programs for executing applications according to the present disclosure and programs for executing the OS from the memory 42. In particular, the processor 41 executes programs for mining processing and periodically performs mining processing.

[0062] The memory 42 includes a RAM, a ROM, a non-volatile memory, and a 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 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 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 or Bluetooth (registered trademark) such as IEEE 802.11. Furthermore, wired communication can be used instead of or in addition to wireless communication.

[0064] <Functions and Processing of 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 related 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. Furthermore, 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 types of information related to a user, such as a user ID, a user's wallet information, a user's mining device ID, or a user's crypto asset information. Furthermore, crypto asset information refers to information including the type of crypto asset (the name of the cryptocurrency), the quantity of the crypto asset (the amount of the cryptocurrency), etc. Furthermore, financial information refers to various types of information in the financial market, such as the purchase and sale prices of legal tender or cryptocurrency, and forecast information on future value fluctuations of each currency. Furthermore, financial information may include market information related to securities, bonds, legal tender, commodities, loans (loan-based crowdfunding), equity crowdfunding, and factoring. Furthermore, management information refers to 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, 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] The "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 of an email address. 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] The "mining device ID" is a unique identifier assigned to each mining device 40 by the 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 described above, "cryptocurrency information" is information including the type of cryptocurrency (the name of the cryptocurrency), the quantity of the cryptocurrency (the amount of the cryptocurrency), etc. In other words, cryptocurrency information includes the latest information regarding the cryptocurrency for which the service provider has been granted management authority by the user, and may also include information regarding past increases / decreases and transactions. Furthermore, cryptocurrency information may include information regarding multiple cryptocurrencies, such as balance information for each cryptocurrency.

[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 learned 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] "Loan information" is information generated by the loan processing unit 96, which will be described later, and is information related to the loan of legal tender or virtual currency, etc., secured by accumulated crypto assets. In other words, the loan information includes information such as the type and amount of currency to be loaned, 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 crypto asset information, so the user to whom the loan is made is identified by the user ID, and the collateral is identified by the crypto asset information.

[0076] Returning to Figure 7, the crypto asset information and financial information stored in the memory unit 92 are sent 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 sends 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 management processing unit 94 receives management information from the information acquisition unit 91 or the learned management model 93, it starts managing the crypto assets based on the management information. Specifically, the management processing unit 94 sends a request for purchase or sale to the trading server 60 of the trading system 50 based on the investment destination, investment amount, and portfolio included in the management information, and executes management processing based on the crypto assets. Furthermore, the management processing unit 94 may execute management processing by staking the crypto assets based on the management information without making a request for purchase or sale. The management processing unit 94 then receives results or losses based on the management processing and generates management result information. Here, management result information is information indicating an increase or decrease in the crypto assets being managed.

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

[0079] Next, as shown in Figure 7, the management server 20 receives a conversion request for the crypto asset from the terminal device 10, executes a crypto asset conversion process based on the conversion request, and stores the details of the conversion in the storage unit 92. Specifically, when conversion request information is sent from the terminal device 10 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 information related to the crypto asset (virtual currency) to be converted into 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, the management server 20 receives a loan request from the terminal device 10 using crypto assets as collateral, executes a loan process based on the loan request, and stores the details in the storage unit 92. Specifically, when loan request information is sent from the terminal device 10 to the management server 20 via the network 80, the loan processing unit 96 of the 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 is 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 transaction system 50, and execute the loan to the user via the transaction system 50 (i.e., execute the remittance processing).

[0083] Next, the management server 20 oversees the mining process of the mining devices 40, and if the mining process is successful, performs processing to distribute mining rewards. 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 reward information, which is the distribution result, to the storage unit 92. Here, the reward information includes the amount of cryptocurrency (amount of virtual currency) granted to each user.

[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 linked to each user in accordance with the distribution of rewards, 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 Operation Model> Next, preparation and use of the trained operation model 93 will be described with reference to Fig. 9 and Fig. 10. Fig. 9 is a flow diagram showing the flow of setting the trained operation model 93 to be set in the management server 20 according to the embodiment. Fig. 10 is a schematic diagram showing information processing by the trained operation model 93 to be set in 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 the 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 allows the trained operation model 93 to function in the management server 20.

[0093] 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 includes 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 sequentially updated using deep learning technology.

[0095] <Information Processing in Processing System> 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 creates 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 a 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 is a screen displaying a graph showing price fluctuations of virtual currency. Also, FIG. 13 is a screen displaying information related to crypto asset management settings. Furthermore, FIG. 17 is a screen displaying information related to crypto asset conversion. Furthermore, FIG. 19 is a screen displaying information related to loans secured by crypto assets.

[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). This 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 access 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. The processor 12 of the terminal device 10 then transmits the generated login information to the management server 20 via the communication interface 14, together with a login request (T13).

[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 to confirm whether the person making the login request is a registered user. If the processor 21 of the management server 20 confirms 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 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, tab 102 is set to "Top," tab 103 is set to "Coins," tab 104 is set to "Crypto Assets," tab 105 is set to "Investment Conditions," tab 106 is set to "Loans," and tab 107 is set to "Shop." Furthermore, when a user logs in, the "Top" tab 102 is selected, displaying new information, topics, and the like. Then, when the "Coins" tab 103 is selected by a user operation, a graph showing price fluctuations of various virtual currencies is displayed on the display unit 108, as shown in the lower part of FIG. 12. This allows the user to freely select a virtual currency or other crypto asset and easily check financial information related to the selected crypto asset. The "Crypto Assets," "Operation Conditions," and "Loans" tabs will be described in detail below. On the other hand, the "Shop" tab 107 may have a function to display on the display unit 108, for example, a website where mining devices 40 sold by the service provider can be purchased. The screen 101 may also have a "Payment" tab for requesting payment (return) of the crypto assets accumulated through operation to the user.

[0102] Next, the processor 12 of the terminal device 10 receives user input via the input interface 15 and generates investment setting information (S15). As a specific example of user input, as shown in FIG. 13 , the “Investment Conditions” tab 105 is selected and one of three investment conditions displayed on the display unit 108 is selected. 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 storage unit 92 may store or update the operation setting information in the user management table as part of the operation information.

[0104] 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 via the management server 20 to each node terminal device in the distributed ledger system 30.

[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 the memory 22 of the management server 20. That is, the processor 21 of the management server 20 updates the crypto asset information stored in the 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 the 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 assets based on the generated management information. Specifically, the processor 21 of the management server 20 (management processing unit 94) transmits the trading information along with a request to buy or sell a specified 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). Next, 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, the processor 21 of the management server 20 performs an update process for the crypto asset information stored in the memory 22 based on the received information regarding the results or losses (S33). Specifically, the management information and management result information are sent from the management processing unit 94 to the storage unit 92, and the user management table is updated in the storage unit 92. The processor 21 of the management server 20 then sends the updated crypto asset information to the terminal device 10 via the communication interface 23 (T33). 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 (S34). More specifically, when the user selects the "Crypto Asset" tab 104 in FIG. 12, the balance of the crypto asset that the user has requested management for is displayed.

[0112] Next, the processor 12 of the terminal device 10 accepts user input via the input interface 15 and performs processing to generate payment request information (S35). A specific example of user input is when the user clicks or touches "Payment" displayed on the screen of the terminal device 10, selects an asset to be paid (cryptocurrency, virtual currency, legal tender, electronic money), and inputs the amount. When the user then clicks or touches a final decision button such as "Execute," 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 executes payment processing corresponding 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 the 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 accepts 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 for selecting a “destination crypto asset,” an input unit 124 for inputting 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 to the management server 20 via the communication interface 14 along with the conversion request (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 the user who made the conversion request has requested management 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 storage unit 92, and the user management table is updated in the storage 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, the processor 21 of the management server 20 executes a process for generating management information for managing the crypto asset (S44). Thereafter, the processor 21 of the management server 20 executes management processing (a buy / sell request) for the crypto asset based on the generated management information (T43). Subsequently, the trading server 60 executes a buy / sell process based on the buy / sell information received from the management server 20 (S45). Then, the trading server 60 transmits information related to the results or losses of the management based on the buy / sell transaction to the 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 updates the crypto asset information stored in memory 22 based on the received information regarding 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 crypto asset confirmation processing 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 user input via the input interface 15 and performs a process for generating loan request information (S51). As a specific example of 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 “Loan Currency” display. Furthermore, an input unit 132 for inputting the loan amount is displayed next to the “Loan Amount” display. 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 the 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. Furthermore, 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, the processor 12 of the terminal device 10 transmits the loan request information along with the loan request to the management server 20 via the communication interface 14 (T51). When the loan 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 loan processing based on the loan request information (S52). Specifically, the loan processing unit 96 performs an examination based on the loan request information and executes loan processing based on the examination results. In addition, the loan information is transmitted from the loan processing unit 96 to the 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 screening, 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, transaction server 60 transmits remittance information, which is the result of the remittance process, 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 the operation information, but the trained 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 has: 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 another crypto asset 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] In a second embodiment of the present disclosure, the operation processing unit in the first embodiment starts the operation upon receiving an operation request from the user, thereby respecting the user's intentions and accurately executing the initial contract (transaction) related to the operation of the crypto asset.

[0126] In a third embodiment of the present disclosure, in the first or second embodiment, the crypto asset is a virtual currency, and the conversion processing unit converts the virtual currency into another virtual currency, thereby allowing the user to select a virtual currency with high asset value and manage the selected virtual currency.

[0127] A fourth embodiment of the present disclosure is the third embodiment, wherein the other virtual currency is a stable coin, thereby reducing losses during operation and enabling 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 the crypto asset for users and promoting the growth of the financial market.

[0129] A sixth embodiment of the present disclosure is the fifth embodiment, in which the loan processing unit performs a loan process for virtual currency or legal tender secured by the crypto asset, thereby increasing the utility value of the crypto asset for users and promoting 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 greater results.

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

[0132] A ninth embodiment of the present disclosure is any of the first to eighth embodiments, in which the crypto asset 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 crypto asset 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, the processing method 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; 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, 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, this processing method allows the user's crypto assets to be easily managed, allows crypto asset investment to be performed on behalf of the user to generate results, and enables 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 can provide the user with the results of crypto asset investment.

[0136] REFERENCE SIGNS LIST 1 Processing system 10 Terminal device 20 Management server (processing device) 30 Distributed ledger system 40 Mining device 50 Trading system 60 Trading server 70 Data server 91 Information acquisition unit 92 Storage unit 93 Learned operation model 94 Operation processing unit 95 Conversion processing unit 96 Lending processing unit 97 Mining pool unit 98 Payment processing unit

Claims

1. 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 assets into other crypto assets 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 investment; and a payment processing unit that processes payments to the user based on the updated crypto asset information.

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

3. The processing device according to claim 1, wherein the crypto asset is a virtual currency, and 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 stablecoin.

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 for virtual currency or legal tender secured by the crypto asset.

7. The processing device described in 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 described in claim 7, wherein the learned operation model constructs a portfolio based on the financial information and the cryptocurrency information, and outputs the operation information including information about the portfolio.

9. A processing device according to any one of claims 1 to 8, wherein the cryptocurrency is a reward for mining processing by a mining device owned by the user.

10. The processing device according to claim 9, 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.

11. A processing method for managing a user's 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; and making a payment to the user based on the updated crypto asset information.

12. A processing program for managing a user's 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, updates the crypto asset information according to the results of the management, and makes payments to the user based on the updated crypto asset information.

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