Information processing device, information processing method, information processing program, and information processing system

Abstract

The information processing device is equipped with a blockchain associated with a storage unit set in a terminal owned by a user visiting from a first country using a first currency to a second country using a second currency, and a processor. The processor, upon receiving a request to charge a crypto asset of a first value in the first currency from the terminal, executes a storage process of determining the second value of the second currency equivalent to the first value based on the exchange rate between the first currency and the second currency, generating the crypto asset of the determined second value, and storing the transaction history of the crypto asset in the blockchain, and a notification process that notifies the terminal of the completion of the storage process and stores information related to the generated crypto asset in the storage unit.

Description

INFORMATION PROCESSING DEVICE, INFORMATION PROCESSING METHOD, INFORMATION PROCESSING PROGRAM, AND INFORMATION PROCESSING SYSTEMFIELD

[0001] The present disclosure relates to an information processing device, an information processing method, an information processing program, and an information processing system.BACKGROUND

[0002] Cashless payments, exemplified by credit cards and crypto assets, are being utilized. For example, Patent Document 1 proposes a technology for managing cryptographic assets that utilizes blockchain.Patent Document

[0003] [Patent Document 1] Japanese Patent Application Publication No. 2023-016582SUMMARY

[0004] When a traveler from overseas uses a credit card to make a payment in the currency of the destination country, a fee is paid by the acquirer and issuer to the overseas credit card issuer. The more the traveler uses a credit card to pay, the higher the fees paid to the overseas credit card issuer will be, and as a result, there is a risk that the acquirer's and issuer's deficits will increase.

[0005] The purpose of one aspect of the disclosed technology is to provide an information processing device, an information processing method, an information processing program, and an information processing system wherein even if travelers from overseas make cashless payments, it is possible to suppress the outflow of fees overseas.

[0006] One aspect of the disclosed technology is exemplified by the following information processing device. This information processing device is equipped with a blockchain associated with a storage unit set in a terminal owned by a user visiting from a first country using a first currency to a second country using a second currency, and a processor. The processor, upon receiving a request to charge a crypto asset of a first value in the first currency from the terminal, executes a storage process of determining the second value of the second currency equivalent to the first value based on the exchange rate between the first currency and the second currency, generating the crypto asset of the determined second value, and a notification process that notifies the terminal of the completion of the storage process and stores information related to the generated crypto asset in the storage unit.

[0007] The information processing device uses the first currency used in the first country when the user visiting the second country from the first country purchases crypto assets. In this information processing device, the second currency is not used to purchase crypto assets. In other words, according to this information processing device, even if money from the credit card owned by the above user is withdrawn and crypto assets are purchased, the fees paid by the issuer and acquirer in the second country to the issuing company of the credit card are suppressed. Here, the information related to the transaction of the crypto asset stored in the storage unit of the terminal may be a transaction history indicating the transaction of the crypto asset from the past to the present, or may be information indicating the balance of the crypto asset. Moreover, the transaction history of the cryptographic asset may be stored in the blockchain, and the balance of the cryptographic asset may be stored in the storage unit. Blockchain has strong resistance to tampering with transaction history. Therefore, according to this information processing device, the user's cryptographic assets can be stored more safely.

[0008] This information processing device may be equipped with the following features. The blockchain comprises a first storage area that is accessible from the information processing device and a second storage area that is limited to access in response to a request from the terminal. The above storage process comprises a determination process for storing information related to the transaction history of the crypto asset in the first storage area and determining whether the value of the cryptographic asset indicated by the information related to the transaction history matches a second value; and an updating process for adding information related to the transaction history stored in the first storage area to the second storage area and updating the transaction history stored in the second storage area, if the above judgment process is affirmative. The first storage area is an area that can also be accessed from the information processing device. On the other hand, access to the second storage area is prohibited unless there is a request from the terminal. Therefore, it is possible to prevent the cryptographic assets stored in the second storage area from being used without the user's knowledge. Furthermore, since the determination process is executed by the information processing device while the cryptographic asset is stored in the first area that is accessible from the information processing device, the amount of cryptographic assets stored in the second storage area can be checked more strictly while increasing the security of the cryptographic assets.

[0009] The disclosed technology can also be understood from the aspects of an information processing method, an information processing program, and an information processing system. According to the disclosed technology, even if travelers from overseas make cashless payments, it is possible to suppress the outflow of fees overseas.BRIEF DESCRIPTION OF THE DRAWINGS

[0010] FIG. 1 is a diagram illustrating an example of a payment system according to an embodiment.

[0011] FIG. 2 is a diagram illustrating an example of a credit card operation system according to an embodiment.

[0012] FIG. 3 is a diagram illustrating an example of the hardware configuration of the control server according to an embodiment.

[0013] FIG. 4 is a diagram illustrating an example of the hardware configuration of an acquirer control server and an issuer control server included in the credit card operation system according to an embodiment.

[0014] FIG. 5 is a diagram illustrating an example of the hardware configuration of the MNO SERVER according to an embodiment.

[0015] FIG. 6 is a diagram illustrating an example of the hardware configuration of the mobile terminal according to an embodiment.

[0016] FIG. 7 is a diagram illustrating an example of processing blocks of the control server according to an embodiment.

[0017] FIG. 8 is a diagram schematically showing storage of transaction history of cryptographic assets in the blockchain according to an embodiment.

[0018] FIG. 9 is a diagram illustrating an example of a processing sequence for setting a wallet area on a mobile terminal in the payment system according to an embodiment.

[0019] FIG. 10 is a diagram illustrating an example of a processing sequence of a crypto asset charging process in the payment system according to an embodiment.

[0020] FIG. 11 is a diagram illustrating an example of a processing sequence of a crypto asset withdrawal process in the payment system according to an embodiment.

[0021] FIG. 12 is a diagram illustrating an example of a processing sequence of crypto asset redemption processing in the payment system according to an embodiment.DETAILED DESCRIPTION

[0022] Hereinafter, an embodiment will be described with reference to the drawings. FIG. 1 is a diagram showing an example of a payment system 1 according to an embodiment. The payment system 1 is equipped with a control server 100, a blockchain BC1, a credit card operation system 200, an MNO SERVER 300, a mobile terminal 400, a register Rl, and a network Nl. Register Rl is connected to store computer SCI. The control server 100, credit card operation system 200, MNO SERVER 300, mobile terminal 400, and store computer SCI are connected, for example, by a network Nl. The control server 100 and blockchain BC1 are connected, for example, by a dedicated network N2.

[0023] Payment system 1 may be a system that supports payments using crypto assets in the country visited by Traveler Cl from overseas. The cryptographic assets in payment system 1 are used, for example, in a cashless payment system provided by a mobile communication operator (MNO) that operates a mobile communication network used by mobile terminal 400. In the present embodiment, it is assumed that Traveler Cl is an American traveling from the United States to Japan. Payment system 1 is an example of an "information system."

[0024] The store computer SCI is an information processing device that manages the inventory of the StoreSTl. Store computer SCI is located in StoreSTl. Register Rl is a Point of Sale (POS) register. The register Rl reads code information such as a barcode attached to a product that Traveler Cl purchases at Store STI, and sells the product to Traveler Cl. For example, the register Rl is able to accept cashless payments used in the payment system 1. When accepting a cashless payment, the register Rl obtains the membership number of Traveler Cl in thecashless payment system provided by the MNO. Register R1 notifies store computer SCI of the membership number and the price of the purchased item. Register R1 is placed in StoreSTl .

[0025] Then, when the store computer SCI receives the membership number of Traveler Cl and the price of the purchased product from the register Rl, it notifies the MNO SERVER 300 of the membership number of Traveler Cl and the price of the purchased product.

[0026] The MNO SERVER 300 is an information processing device managed by an MNO that provides a mobile communication network used by the mobile terminal 400. The MNO that manages the MNO SERVER 300 may sell the mobile terminal 400 used by the Traveler Cl, for example. In addition, with the MNO SERVER 300, for example, when the mobile terminal 400 is sold, a management area (also referred to as a "wallet area") for managing crypto assets may be set in the mobile terminal 400 so that the crypto assets can be used on the mobile terminal 400, and an application program that supports the use of cryptographic assets may be installed on the mobile terminal 400. The MNO SERVER 300 stores, for example, the membership number of Traveler Cl that uses the cashless payment system provided by the MNO.

[0027] The credit card operation system 200 is an information system that manages payments made by Traveler Cl using a credit card. The credit card operation system 200 may include a plurality of information processing devices managed by each of the issuing company that issues the credit card, the acquirer that manages the member stores of the credit card, and the issuer that manages the users of the credit card.

[0028] FIG. 2 is a diagram illustrating an example of a credit card operation system 200 according to the embodiment. The credit card operation system 200 comprises an acquirer control server 21 managed by an acquirer, an issuer control server 22 managed by an issuer, and a brand network N3 provided by a credit card issuer. The brand network N3 is designed,for example, to safely exchange information related to cashless payments. The acquirer control server 21 and issuer control server 22 are connected by a brand network N3. Further, communication between the acquirer control server 21 and the issuer control server 22 is performed via the brand network N3.

[0029] Returning to FIG. 1, the control server 100 is an information processing device that manages payments using crypto assets. Upon receiving a request to charge crypto assets of a desired amount in US dollars from Traveler Cl via credit card operation system 200, the control server 100 determines the amount of Japanese yen equivalent to the desired charge amount specified in U.S. dollars based on the exchange rate between U.S. dollars and Japanese yen, and charges the crypto asset in the determined amount of Japanese yen. Further, upon receiving a request from Traveler Cl to use a desired amount of crypto assets in Japanese yen, the control server 100 subtracts the desired usage amount from the charged balance from the charged crypto assets. For example, the control server 100 stores the transaction history of crypto assets in the blockchain BC1. The control server 100 is an example of an "information processing device."

[0030] Blockchain BC1 is a database that connects multiple information processing devices on a network. In blockchain BC1, transaction history from the past to the present is protected by cryptographic technology, and falsification of transaction history is suppressed. For example, a user wallet is constructed in the blockchain BC1 in which the transaction history of the crypto assets held by the Traveler Cl is stored. Blockchain BC1 may be a public blockchain or a private blockchain.

[0031] The mobile terminal 400 is a portable information processing device owned by Traveler Cl. The mobile terminal 400 is connected to the network N1 via a mobile communication network operated by an MNO that manages the MNO SERVER 300, for example. Traveler Clhas already registered as a member of the cashless payment system provided by MNO. TravelerCl can utilize crypto assets on the cashless payment system provided by MNO by using the wallet area set on mobile terminal 400 and the application program installed by MNO. Mobile terminal 400 is an example of a "terminal." Traveler Cl is an example of a "user."

[0032] The network N1 is a computer network that communicably connects information processing devices. Network N1 may be a wireless network or a wired network. Network N1 is, for example, the Internet.Hardware Configuration of Control Server 100

[0033] FIG. 3 is a diagram showing an example of the hardware configuration of the control server 100 according to the embodiment. The control server 100 is equipped with a CPU 11, a main memory unit 12, an auxiliary memory unit 13, a communication unit 14, a communication unit 15, and a connection bus Bl. The CPU 11, main memory unit 12, auxiliary memory unit 13, communication unit 14, and communication unit 15 are interconnected by a connection bus Bl.

[0034] The CPU 11 is also referred to as a microprocessor unit (MPU) or processor. The CPU 11 is not limited to a single processor, but may have a multiprocessor configuration. Further, a single CPU 11 connected through a single socket may have a multi-core configuration. At least some of the processes executed by the CPU 11 may be performed by a processor other than the CPU 11, for example, by a dedicated processor such as a Digital Signal Processor (DSP), Graphics Processing Unit (GPU), Numerical Processor, Vector Processor and an image processing processor. Moreover, at least a portion of the processing executed by the CPU 11 may be executed by an integrated circuit (IC) or other digital circuit. Additionally, at least a portion of the CPU 11 may comprise an analog circuit. Integrated circuits comprise large scale integrated circuits (LSIs), application specific integrated circuits (ASICs), and programmablelogic devices (PLDs). The PLD comprises, for example, a field-programmable gate array (FPGA). CPU 11 may be a combination of a processor and an integrated circuit. The combination is called, for example, a microcontroller unit (MCU), a system-on-a-chip (SoC), a system LSI, a chipset, or the like. In the control server 100, the CPU 11 loads the program stored in the auxiliary memory unit 13 into the work area of the main memory unit 12, and controls peripheral devices through execution of the program. This allows the control server 100 to execute processing that meets a predetermined purpose. The main memory unit 12 and the auxiliary memory unit 13 are recording media that can be read by the CPU 11.

[0035] The main memory unit 12 is exemplified as a storage unit directly accessed by the CPU 11. The main memory unit 12 comprises Random Access Memory (RAM) and Read Only Memory (ROM).

[0036] The auxiliary memory unit 13 stores various programs and various data on a recording medium in a readable and writable manner. The auxiliary memory unit 13 is also called an external storage device. The auxiliary memory unit 13 stores an operating system (OS), various programs, various tables, and the like. The OS comprises a communication interface program that exchanges data with an external device connected via the communication unit 14. External devices comprise, for example, other information processing devices and external storage devices connected via a computer network or the like.

[0037] The auxiliary memory unit 13 is, for example, an erasable programmable ROM (EPROM), solid state drive (SSD), hard disk drive (HDD), and the like. Also, the auxiliary memory unit 13 is, for example, a Compact Disc (CD) drive device, a Digital Versatile Disc (DVD) drive device, a Blu-ray (registered trademark) Disc (BD) drive device, or the like. Moreover, the auxiliary memory unit 13 may be provided by Network Attached Storage (NAS) or Storage Area Network (SAN).

[0038] The communication unit 14 is, for example, an interface with the network Nl. The control server 100 communicates with external devices via the communication unit 14 and the network Nl. Communication unit 15 is an interface with blockchain BC1. The control server 100 communicates with the blockchain BC1 via the communication unit 15. Further, in the present embodiment, the control server 100 is equipped with the communication unit 14 and the communication unit 15, but the communication unit 15 may be omitted. In that case, blockchain BC1 is connected to network Nl, and control server 100 may communicate with blockchain BC1 via communication unit 14 and network Nl.Hardware Configuration of Acquirer Control Server 21 And Issuer Control Server 22

[0039] FIG. 4 is a diagram showing an example of the hardware configuration of the acquirer control server 21 and issuer control server 22 included in the credit card operation system 200 according to the embodiment. The acquirer control server 21 is equipped with a CPU 211, a main memory unit 212, an auxiliary memory unit 213, a communication unit 214, a communication unit 215, and a connection bus B21. Further, the issuer control server 22 is equipped with a CPU 221, a main memory unit 222, an auxiliary memory unit 223, a communication unit 224, a communication unit 225, and a connection bus B22. CPU 211, 221, main memory unit 212, 222, auxiliary memory unit 213, 223, communication unit 214, 224 and connection bus B21, B22 are the same as the CPU 11, main memory unit 12, auxiliary memory unit 13, communication unit 14, and connection bus Bl of the control server 100, so the explanation thereof is omitted.

[0040] The communication units 215 and 225 are communication interfaces with the brand network N3. Communication unit 215 communicates with communication unit 225 via brand network N3. Furthermore, the communication unit 225 communicates with the communication unit 215 via the brand network N3.Hardware Configuration of MNO SERVER300

[0041] FIG. 5 is a diagram showing an example of the hardware configuration of the MNO SERVER 300 according to the embodiment. The MNO SERVER 300 is equipped with a CPU 31, a main memory unit 32, an auxiliary memory unit 33, a communication unit 34, and a connection bus B3. The CPU 31, main memory unit 32, auxiliary memory unit 33, and communication unit 34 are interconnected by a connection bus B3. The CPU 31, main memory unit 32, auxiliary memory unit 33, communication unit 34, and connection bus B3 of the MNO SERVER 300 are the same as the CPU 11, main memory unit 12, auxiliary memory unit 13, communication unit 14, and connection bus Bl of the control server 100, so the explanation thereof is omitted.Hardware Configuration of Mobile Terminal 400

[0042] FIG. 6 is a diagram showing an example of the hardware configuration of the mobile terminal 400 according to the embodiment. The mobile terminal 400 is equipped with CPU 41, a main memory unit 42, an auxiliary memory unit 43, a communication unit 44, a display 45, a touch panel 46, and a connection bus B3. The CPU 41, main memory unit 42, auxiliary memory unit 43, communication unit 44, display 45, and touch panel 46 are interconnected by a connection bus B4. The CPU 41, main memory unit 42, auxiliary memory unit 43, communication unit 44, and connection bus B4 of the mobile terminal 400 are the same as the CPU 11, main memory unit 12, auxiliary memory unit 13, communication unit 14, and connection bus Bl of the control server 100, so the explanation thereof is omitted.

[0043] The embedded Subscriber Identity Module (eSIM) 47 is a subscriber identification module built into the mobile terminal 400. The eSIM 47 stores information related to Traveler Cl. Information related to Traveler Cl may include a telephone number and an identificationID that identifies Traveler Cl. An example of the identification ID is International MobileSubscriber Identity (IMSI).

[0044] The eSIM 47 is further provided with a secret area 471. Access to the secret area 471 is limited to, for example, Traveler Cl and MNO SERVER 300. For example, a private key 472 used for authentication of Traveler Cl is stored in the secret area 471. In addition, in the secret area 471, for example, a wallet area 473 is constructed in which information related to cryptographic assets is stored.

[0045] The display 45 displays data processed by the CPU 41 and data stored in the main memory unit 42. The display 45 is, for example, a Liquid Crystal Display (LCD), a Plasma Display Panel (PDP), an inorganic Electroluminescence (EL) panel, and an organic EL panel.

[0046] The touch panel 46 detects a touch operation by a finger or the like of the Traveler Cl. For example, the touch panel 46 is arranged to overlap the display 45. The mobile terminal 400 is able to provide the Traveler Cl with an intuitive operating environment by providing a touch panel 46 superimposed on the display 45.Processing Block of Control Server 100

[0047] FIG. 7 is a diagram showing an example of processing blocks of the control server 100 according to the embodiment. The control server 100 is equipped with a charge unit 101, a withdrawal unit 102, an exchange acquisition unit 103, and a redemption unit 104. The control server 100 has a CPU 11 that executes a computer program that is executable in the main memory unit 12. The control server 100 executes processing as each unit such as a charge unit 101, a withdrawal unit 102, an exchange acquisition unit 103, and a redemption unit 104.

[0048] The exchange acquisition unit 103 acquires the exchange rate between the currency of a certain country and the currency of another country. The exchange acquisition unit 103acquires exchange rates at predetermined intervals, for example. For example, RedStone provided by Oracle Corporation can be used to acquire the exchange rate by the exchange acquisition unit 103.

[0049] When the charge unit 101 receives a request from the mobile terminal 400 to charge a desired amount of crypto assets in US dollars, based on the exchange rate between the US dollar and the Japanese yen acquired by the exchange acquisition unit 103, the amount in Japanese yen equivalent to the desired charge amount specified in U.S. dollars is determined. For example, the US dollars used to charge the crypto assets are withdrawn from a credit card held by Traveler Cl. The charge unit 101 generates crypto assets in Japanese yen of an amount determined based on the exchange rate, and stores information related to the purchase transaction of the crypto assets in a user wallet associated with Traveler Cl on blockchain BC1.

[0050] FIG. 8 is a diagram schematically showing storage of transaction history of cryptographic assets in blockchain BC1 according to the embodiment. A crypto asset control area BC10 is constructed in the blockchain BC1 to store the transaction history of the crypto asset of Traveler Cl. The crypto asset control area BC10 is prepared for each user who uses the payment systeml. The crypto asset control area BC10 comprises a settled pool BC11, a user pool BC12, and a user wallet BC13. The crypto asset control area BC10 is an example of a "storage unit."

[0051] The user pool BC12 temporarily stores information related to the purchase transaction of the crypto asset that has been requested to be charged, before the information related to the purchase transaction of the crypto asset that has been requested to be charged is stored in the user wallet BC13. The user pool BC12 is an area that can be accessed without using the private key 472.

[0052] The charge unit 101 stores information related to purchase transactions of crypto assets purchased in response to a charge request from the terminal 400 in the user pool BC12. The information related to the crypto asset purchase transaction comprises, for example, the amount of the purchased crypto asset. The charge unit 101 determines whether the information related to the purchase transaction of cryptographic assets stored in the user pool BC12 matches the purchase transaction indicated by the charge request. In this determination, for example, it is determined whether or not the amount of the requested charge in Japanese yen determined based on the exchange rate matches the amount of the purchased cryptographic asset. When the charge unit 101 matches, the charge unit 101 stores information related to the purchase transaction of the crypto asset stored in the user pool BC12 in the user wallet BC13. That is, the charge unit 101 adds information related to the purchase transaction of the currently purchased crypto asset to the transaction history already stored in the user wallet BC 13, and sets it as a new transaction history. The charge unit 101 notifies the mobile terminal 400 of the balance of crypto assets stored in the user wallet BC13 after charging.

[0053] The user wallet BC13 is an area to which information related to purchase transactions of cryptographic assets stored in the user pool BC12 is moved if it is determined that the information related to the crypto asset purchase transaction stored in user pool BC12 matches the transaction indicated by the charge request. For example, a private key 472 is required to access the user wallet BC13. That is, access to user wallet BC13 without a request from mobile terminal 400 is prohibited.

[0054] The settled pool BC11 is an area where information related to the withdrawal transaction of the crypto asset to be withdrawn is temporarily stored when withdrawing the crypto asset from the user wallet BC13. The information related to the crypto asset withdrawal transaction comprises, for example, information indicating the amount of the crypto asset to bewithdrawn. Upon receiving a withdrawal request from the mobile terminal 400, the withdrawal unit 102 determines whether the balance of crypto assets stored in the user wallet BC13 is equal to or greater than the amount requested for withdrawal. If the balance of crypto assets stored in user wallet BC13 is greater than the requested withdrawal amount, the withdrawal unit 102 moves the information related to the withdrawal transaction indicating the requested amount of withdrawal to the settled pool BC11, and adds the information related to the withdrawal transaction to the transaction history of the user wallet BC13, making it a new transaction history.

[0055] In addition, the withdrawal unit 102 determines whether the information related to the crypto asset withdrawal transaction stored in the settled pool BC11 matches the withdrawal transaction indicated by the withdrawal request. In this determination, for example, it is determined whether the amount indicated by the information related to the crypto asset withdrawal transaction matches the amount indicated by the attendance request. If they match, the withdrawal unit 102 notifies the mobile terminal 400 of the amount withdrawn from the user wallet BC13. Furthermore, the charge unit 101 notifies the mobile terminal 400 of the balance of the crypto assets stored in the user wallet BC13 after withdrawal. In addition, the withdrawal unit 102 may notify the mobile terminal 400 of an error if the balance of the cryptographic assets stored in the user wallet BC13 is less than the requested withdrawal amount.

[0056] Upon receiving a redemption request from the mobile terminal 400, the redemption unit 104 acquires the transaction history of the crypto assets stored in the user wallet BC13. The redemption unit 104 determines the amount of US dollars equivalent to the balance of the crypto asset indicated by the acquired crypto asset transaction history at the exchange rate obtained by the exchange acquisition unit 103. The redemption unit 104 deposits the balanceof the crypto assets in US dollars of the determined amount, into the credit card owned by theTraveler Cl, and updates the transaction history of the user wallet BC13. The balance of crypto assets indicated by the updated transaction history becomes "0." The redemption request is executed, for example, when Traveler Cl leaves Japan due to circumstances such as returning to Japan.Processing Sequence of Wallet Area 473 Setting Process

[0057] FIG. 9 is a diagram illustrating an example of a processing sequence for setting the wallet area 473 in the mobile terminal 400 in the payment system 1 according to the embodiment. The process illustrated in FIG. 9 is executed, for example, before the mobile terminal 400 is handed over to the Traveler Cl. An example of a processing sequence for setting wallet area 473 in mobile terminal 400 will be described below with reference to FIG. 9.

[0058] In step SI, the MNO SERVER 300 instructs the mobile terminal 400 to set up the wallet area 473. The setting instruction comprises, for example, a user wallet address that specifies the user wallet BC13 built on the blockchain BC1. In step S2, the mobile terminal 400 constructs a wallet area 473 on the secret area 471 in accordance with the setting instruction from the MNO SERVER 300 received in step S 1. For example, the user wallet address is stored in the wallet area 473.Processing Sequence of Crypto Asset Charging Process

[0059] FIG. 10 is a diagram illustrating an example of a processing sequence of a crypto asset charging process in the payment system 1 according to the embodiment. Hereinafter, an example of the processing sequence of the crypto-asset charging process will be described with reference to FIG. 10.

[0060] In step Si l, the mobile terminal 400 makes a charge request. The charge request is a request to store a desired charge amount in the user wallet BC13 as a crypto asset. The charge request comprises the user wallet address stored in the wallet area 473. The desired charge amount is specified in US dollars. Further, the source of withdrawal of the desired charge amount is the credit card owned by Traveler Cl, as described above.

[0061] In step S12, the credit card operation system 200 checks the charge request received in step Si l. In checking the charge request, for example, the issuer control server 22 checks the attributes of the credit card member of Traveler Cl , security, the contents of the charge request, and checks for unauthorized use. In checking the content of the charge request, for example, it is determined whether or not, when a desired charge amount is withdrawn from the credit card, the limit amount set in Traveler Cl is exceeded.

[0062] If the issuer control server 22 determines that there are no problems in these checks, it withdraws the funds requested in the charge request from the credit card of Traveler Cl and secures them. Furthermore, when the acquirer control server 21 secures the funds requested in the charge request, it notifies the control server 100 of this fact. Moreover, if the issuer control server 22 determines that withdrawing the desired charge amount from the credit card would exceed the limit amount set in the Traveler Cl, it may notify the mobile terminal 400 that charging is not possible.

[0063] In step S13, the credit card operation system 200 notifies the control server 100 of the charging request received in step Si l. In the charge request notification, the credit card operation system 200 may, for example, transfer the charge request received in step SI 1 to the control server 100 and notify that funds for the desired charge amount have been secured.

[0064] In step S14, the charge unit 101 of the control server 100 determines the amount of Japanese yen equivalent to the desired charge amount specified in US dollars in the charge request based on the exchange rate obtained by the exchange acquisition unit 103.

[0065] In step S15, the charge unit 101 of the control server 100 generates crypto asset in Japanese yen of the amount determined in step S14. The charge unit 101 stores information related to the purchase transaction of cryptographic assets in the user pool BC12 prepared corresponding to the user wallet BC13 indicated by the user wallet address included in the charge request. The charge unit 101 determines whether the amount in Japanese yen determined in step S14 matches the amount indicated by the information related to the crypto asset purchase transaction stored in the user pool BC12. If the charge unit 101 does not match, the charge unit 101 may notify the credit card operation system 200 of an error.

[0066] In step S16, the charge unit 101 of the control server 100 adds the information related to the crypto asset purchase transaction stored in the user pool BC12 in step S15 to the transaction history stored in the user wallet BC13 indicated by the user wallet address included in the charge request, and updates the transaction history stored in user wallet BC13. In step S17, the charge unit 101 transmits a result notification including the balance in Japanese yen of the crypto assets in the user wallet BC13 after charging to the credit card operation system 200.

[0067] In step SI 8, the credit card operation system 200 transfers the result notification received from the control server 100 to the mobile terminal 400. In step S19, the mobile terminal 400 stores the balance notified by the result notification in the wallet area 473. Furthermore, the mobile terminal 400 may output the charged amount in Japanese yen and the balance of crypto assets to the display 45. Through the processing from step SI to step S19,cryptographic assets used in the cashless payment system provided by the MNO are charged to the user wallet BC13.Processing Sequence of Crypto Asset Withdrawal Processing

[0068] FIG. 11 is a diagram illustrating an example of a processing sequence of a crypto asset withdrawal process in the payment system 1 according to the embodiment. In FIG. 11, the store computer is indicated as "SC." Hereinafter, an example of a processing sequence of a crypto asset withdrawal process will be described with reference to FIG. 11.

[0069] In step S21, Traveler Cl who purchases a product at Store STI requests cashless payment by having register R1 read the code displayed on display 45 of mobile terminal 400.

[0070] In step S22, the register R1 acquires the membership number and user wallet address of Traveler Cl by reading the code displayed on the display 45 of the mobile terminal 400. The register R1 acquires the price of the product that the Traveler Cl desires to purchase by reading the code information attached to the product. Register R1 notifies store computer SCI of the acquired membership number, user wallet address, and product price. Store computer SCI sends an inquiry including the notified membership number, user wallet address, and product price to MNO SERVER 300. Also, when Traveler Cl purchases multiple products, the price of the product included in the inquiry may be the total price of the multiple products desired to be purchased.

[0071] In step S23, the MNO SERVER 300 determines whether the member number included in the inquiry received in step S22 has been registered as a member number of a member of the cashless payment system. If the MNO SERVER 300 has already been registered as a member number of a member of the cashless payment system, it transmits a payment instruction including the notified member number, user wallet address, and product price to the controlserver 100. Further, for example, if the MNO SERVER 300 is not registered as a member number of a member of the cashless payment system, the MNO SERVER 300 may notify the store computer SCI of an error. The notified error may be displayed in register R1 via store computer SCI.

[0072] In step S25, the withdrawal unit 102 of the control server 100 determines whether the balance of the crypto asset indicated by the transaction history stored in the user wallet BC13 corresponding to the user wallet address included in the payment instruction received in step S24 is greater than or equal to the price of the product included in the payment instruction. If the balance of crypto assets indicated by the transaction history stored in the user wallet BC13 corresponding to the user wallet address is less than the price of the product included in the payment instruction, the withdrawal unit 102 may notify the MNO SERVER 300 of an error. The notified error may be displayed in register R1 via MNO SERVER 300 and store computer SCI.

[0073] In step S26, If the balance of the crypto asset indicated by the transaction history stored in the user wallet BC13 corresponding to the user wallet address included in the payment instruction received in step S24 is greater than or equal to the price of the product included in the payment instruction, the withdrawal unit 102 of the control server 100 adds a transaction history indicating the movement of crypto assets corresponding to the price of the product to the user wallet BC13, and stores information related to withdrawal transactions of the crypto assets corresponding to the price of the product in the settled pool BC11. The price of the product is paid using the crypto assets indicated by the withdrawal transaction stored in the settled pool BC11. The withdrawal unit 102 notifies the MNO SERVER 300 of payment permission. The payment permission comprises, for example, the balance of the user wallet BC13 after subtracting the price of the product.

[0074] In step S27, the MNO SERVER 300 notifies the store computer SCI of the payment permission received from the control server 100. In step S28, store computer SCI, which has received payment permission, subtracts the purchased quantity from the inventory of the product purchased by Traveler Cl. Store computer SCI notifies register R1 of completion of payment processing.

[0075] In step S29, the register R1 notifies the mobile terminal 400 of the completion of the payment process. The mobile terminal 400 updates the information indicating the balance of crypto assets stored in the wallet area 473 to the amount notified upon completion of the payment. In addition, in FIG. 11, although the balance of the user wallet BC13 after subtracting the product price is not directly notified from the control server 100 to the mobile terminal 400, the withdrawal unit 102 of the control server 100 may directly notify the mobile terminal 400 of the balance of the user wallet BC13 after subtracting the product price, without going through the MNO SERVER 300, store computer SCI, and register Rl.Processing Sequence Of Crypto Asset Redemption Processing

[0076] FIG. 12 is a diagram illustrating an example of a processing sequence of crypto-asset redemption processing in payment system 1 according to the embodiment. An example of the processing sequence of the crypto asset redemption process will be described below with reference to FIG. 12.

[0077] In step S31, Traveler Cl leaving Japan performs an operation on mobile terminal 400 to request redemption. The mobile terminal 400 transmits a redemption request to the credit card operation system 200 in response to the operation of Traveler Cl.

[0078] In step S32, the credit card operation system 200 notifies the control server 100 of the redemption request from the mobile terminal 400. For notification of a redemption request, forexample, the credit card operation system 200 may transfer a redemption request from the mobile terminal 400 to the control server 100.

[0079] In step S33, the redemption unit 104 of the control server 100 moves information related to a withdrawal transaction in which the entire balance indicated by the transaction history of the crypto asset stored in the user wallet BC13 is withdrawn to the user pool BC12.

[0080] In step S34, the redemption unit 104 of the control server 100, based on the exchange rate obtained by exchange acquisition unit 103, the amount of U.S. dollars equivalent to the crypto asset balance in Japanese yen indicated by the information related to the withdrawal transaction moved to the user pool BC12 in step S33 is determined. The processing in steps S33 and S34 may be performed by having the redemption unit 104 pass the exchange rate to the smart contract in blockchain BC1, and having the smart contract perform the process. The redemption unit 104 may then receive notification from the smart contract of the completion of the U.S. dollar amount determination. The notification of completion of the U.S. dollar amount determination may include information indicating, for example, the amount of US dollars determined.

[0081] In step S35, the redemption unit 104 of the control server 100 transmits a deposit instruction to the credit card operation system 200, instructing the credit card of Traveler Cl to deposit the amount determined in step S34 into the credit card of Traveler Cl. Further, the redemption unit 104 sets the balance of the cryptographic assets indicated by the transaction history stored in the user pool BC12 and the user wallet BC13 to "0."

[0082] In step S36, the acquirer control server 21 of the credit card operation system 200 that receives the deposit instruction from the control server 100 notifies the issuer control server 22 of the credit card operation system 200 of the deposit instruction. The issuer control server 22 checks the attributes of the credit card member of Traveler Cl and checks the amount of moneyinstructed to be deposited in the deposit instruction. The issuer control server 22 deposits the amount specified by the deposit instruction into the credit card of Traveler Cl.

[0083] In step S37, the issuer control server 22 of the credit card operation system 200 transmits a result notification including the amount deposited to Traveler Cl's credit card in step S36 to the mobile terminal 400.

[0084] In step S38, upon receiving the result notification in step S37, the mobile terminal 400 erases the crypto asset balance. That is, the mobile terminal 400 updates the information indicating the balance of the cryptographic assets stored in the wallet area 473 to indicate the balance "0."Exemplary Actions and Effect of Some Embodiment

[0085] When Traveler Cl, who has visited Japan from the United States, uses a credit card issued in the United States to pay in Japanese yen in Japan, the issuer and acquirer of the credit card in Japan will pay a fee to the international brand of the credit card. Due to the influence of this fee, the more Traveler Cl uses a credit card, the more the issuer and acquirer's deficit in Japan may increase.

[0086] In the present embodiment, when Traveler Cl visiting Japan from the United States purchases crypto assets, the money is withdrawn from Traveler Cl's credit card in US dollars instead of Japanese yen. Therefore, the fees paid by issuers and acquirers in Japan to international brands can be reduced. Furthermore, in the present embodiment, because the amount of Japanese yen equivalent to US dollars is determined based on the exchange rate, and the crypto asset is stored in the user wallet BC13 in the determined amount of Japanese yen, it is easy to use crypto assets in Japan.

[0087] In the present embodiment, a crypto asset control area BC10 comprising a settled poolBC11, a user pool BC12, and a user wallet BC13 is constructed on the blockchain BC1. According to blockchain BC1, the crypto asset control area BC10 can be operated more safely by suppressing information tampering.

[0088] In the present embodiment, a user pool BC12 and a user wallet BC13 are prepared in association with Traveler Cl. The user pool BC12 is an area that can also be accessed from the control server 100. On the other hand, since access to the user wallet BC13 is limited to using the private key 472, access to the user wallet BC13 from the control server 100 is prohibited if there is no request from the mobile terminal 400. Therefore, it is possible to prevent the cryptographic assets stored in the user wallet BC13 from being used without being recognized by the Traveler Cl having the mobile terminal 400.

[0089] Additionally, in the present embodiment, before storing crypto assets in user wallet BC13, charge unit 101 of control server 100, determines whether the amount requested in the charge request (the amount in Japanese yen determined based on the exchange rate ) matches the amount of crypto assets stored in the user pool BC12. Therefore, according to the present embodiment, the amount of cryptographic assets stored in the user wallet BC13 can be checked more strictly while increasing the security of the cryptographic assets of Traveler Cl by the user wallet BC13.

[0090] In the present embodiment, the eSIM 47 is used for storing the wallet area 473. Therefore, according to the present embodiment, demand for the eSIM 47 can be stimulated.

[0091] In the present embodiment, when Traveler Cl makes a payment using crypto assets, the payment request goes through the MNO SERVER 300. Therefore, according to the present embodiment, it is also possible to cause the MNO SERVER 300 to perform statistical processing on purchase data of overseas visitors to Japan.Jn the embodiment described above,for example, in step Si l of FIG. 10, charging of cryptographic assets was performed in response to the operation of Traveler Cl. However, charging of crypto assets does not have to be performed at the timing according to the operation of Traveler Cl. For example, when the balance of the user wallet BC13 falls below a preset threshold, so-called auto-charge may be performed to charge the cryptographic assets by a predetermined amount.

[0092] In the embodiment described above, the transaction history of the crypto asset of Traveler Cl was stored in blockchain BC1. However, the transaction history of the crypto asset of Traveler C 1 may be stored in an area other than blockchain BC 1. The crypto asset transaction history of Traveler Cl may be stored in the auxiliary memory unit 13 of the control server 100, for example.

[0093] Furthermore, in the present embodiment, the operator of the control server 100 and the MNO involved in the operation of the payment system 1 may obtain a fee from the amount requested to be charged, and the amount of crypto assets after deducting the fee may be purchased.

[0094] The embodiments and modifications disclosed above can be combined.Computer- Readable Recording Medium

[0095] An information processing program that allows a computer or other machine or device (hereinafter referred to as computer, etc.) to realize any of the above functions can be recorded on a computer-readable recording medium. Then, by causing a computer or the like to read and execute the program on this recording medium, the function can be provided.

[0096] Here, “computer-readable recording medium” refers to a recording medium that stores information such as data and programs through electrical, magnetic, optical, mechanical, or chemical action and can be read by computers, etc. Among such recording media, media thatcan be removed from computers, etc. include, for example, flexible discs, magneto-optical discs, Compact Disc Read Only Memory (CD-ROM), Compact Disc-Recordable (CD-R), Compact Disc-Rewritable (CD-RW), Digital Versatile Disc (DVD), Blu-ray Disc (BD), Digital Audio Tape (DAT), 8mm tape, flash memory, external hard disk drives, solid state drives (SSD), and the like. Furthermore, there are built-in hard disk drives, SSDs, ROMs, and the like as recording media fixed to computers and the like.

Claims

WHAT IS CLAIMED IS:

1. An information processing device, equipped with a blockchain associated with a storage unit set in a terminal owned by a user visiting from a first country using a first currency to a second country using a second currency, and a processor; wherein, the processor, upon receiving a request to charge a crypto asset of a first value in the first currency from the terminal, a storage process of determining the second value of the second currency equivalent to the first value based on the exchange rate between the first currency and the second currency, generating the crypto asset of the determined second value, and storing the transaction history of the crypto asset in the blockchain, and a notification process that notifies the terminal of the completion of the storage process and stores information related to the purchased crypto asset in the storage unit.

2. The information processing device according to claim 1, wherein the blockchain comprises a first storage area that is accessible from the information processing device and a second storage area that is limited to access in response to a request from the terminal; and the storage process comprises: a determination process of storing information related to the transaction history of the cryptographic asset in the first storage area, and determining whether the value of the cryptographic asset indicated by the information related to the transaction history matches the second value; and an updating process of adding information related to the transaction history stored in the first storage area to the second storage area if the determination is positive in the determination process, and updating the transaction history stored in the second storage area.

3. An information processing method, wherein a computer, equipped with a blockchain that is associated with a storage unit set on a terminal owned by a user who visits a second country that uses a second currency from a first country that uses a first currency, upon receiving a request to charge a crypto asset of a first value in the first currency from the terminal, executes: a storage process of determining the second value of the second currency equivalent to the first value based on the exchange rate between the first currency and the second currency, generating the crypto asset of the determined second value, and storing the transaction history of the crypto asset in the blockchain, and a notification process that notifies the terminal of the completion of the storage process and stores information related to the purchased crypto asset in the first storage unit.

4. An information processing program, that causes a computer, equipped with a blockchain that is associated with a storage unit set on a terminal owned by a user who visits a second country that uses a second currency from a first country that uses a first currency, upon receiving a request to charge a crypto asset of a first value in the first currency from the terminal, to execute: a storage process of determining the second value of the second currency equivalent to the first value based on the exchange rate between the first currency and the second currency, generating the crypto asset of the determined second value, and storing the transaction history of the crypto asset in the blockchain, anda notification process that notifies the terminal of the completion of the storage process and stores information related to the purchased crypto asset in the first storage unit.

5. An information processing system, equipped with a terminal owned by a user visiting a second country using a second currency from a first country using a first currency and configured with a storage unit, and an information processing device comprising a blockchain associated with the storage unit, wherein: the information processing device, upon receiving a request to charge a crypto asset of a first value in the first currency from the terminal, executes: a first storage process of storage process of determining the second value of the second currency equivalent to the first value based on the exchange rate between the first currency and the second currency, generating the crypto asset of the determined second value, and storing the information related to the crypto asset transaction in the blockchain, and a notification process that notifies the terminal of the completion of the first storage process; and the terminal executes: a transmission process of transmitting the charge request to the information processing device, and a second storage process of storing information related to the cryptographic asset in the storage unit in response to a notification from the information processing device.

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