JP7562937B1 - Processing device, processing method, and processing program - Google Patents

Abstract

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

Description

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

In recent years, crypto assets, such as virtual currencies, have been attracting attention, and various services related to the crypto assets have been considered and launched. For example, Patent Literature 1 discloses a payment system using virtual currencies instead of payments using legal currencies. Patent Literature 2 discloses a technology for encouraging the use of virtual currencies in online games and promoting the consumption of virtual currencies.

On the other hand, 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 technology that sets functional restrictions on users' devices to prevent users from selling their own crypto assets.

JP 2019-145060 A JP 2022-49419 A Patent No. 7345211

However, the market value of cryptocurrencies is highly unstable and their trading prices are prone to fluctuations. Investment and management based on cryptocurrencies requires specialized knowledge, making it difficult for individual users who hold cryptocurrencies to manage them directly.

The present disclosure has been made in consideration of such problems, 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 that management to the user.

According to one aspect of the present disclosure, there is provided a processing device that manages crypto assets whose ownership rights have been transferred from a user to a service provider , the processing device having: 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 the crypto asset or the other crypto assets using financial products as capital, and updates the crypto asset information depending on the results of the operation; and a payment processing unit that, upon receiving from the user's terminal device a payment request based on a delivery claim right based on the crypto asset before the ownership rights were transferred from the service provider to the user, performs a payment process to convert the crypto asset into the asset selected by the user as the payment object based on the updated crypto asset information and the payment request information , and pays the user.

According to one aspect of the present disclosure, there is provided a "processing method for managing crypto assets whose ownership rights have been transferred from a user to a service provider by a computer , 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; managing at least one of the crypto asset and the other crypto asset, or managing the crypto asset or the other crypto asset using financial products as capital, and updating the crypto asset information according to the results of the management; and, when payment request information including information on the payment object selected by the user is received from the user's terminal device along with a payment request based on a delivery claim right based on the crypto asset before the ownership rights were transferred from the service provider to the user, performing a payment process in which the crypto asset is converted into the asset as the payment object selected by the user based on the updated crypto asset information and the payment request information and paid to the user."

According to one aspect of the present disclosure, there is provided a "processing program for managing crypto assets whose ownership rights have been transferred from a user to a service provider , 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 the crypto asset or the other crypto asset using financial products as capital, updates the crypto asset information according to the results of the management, and , upon receiving from the user's terminal device a payment request based on a delivery claim right based on the crypto asset before the ownership rights were transferred from the service provider to the user, along with payment request information including information on the payment object selected by the user, based on the updated crypto asset information and the payment request information , causes a computer to execute a process of converting the crypto asset into the asset as the payment object selected by the user and paying the user."

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.

Note that the above effects are merely illustrative for the convenience of explanation, and the effects of the present disclosure are not limited to the above. In addition to the above effects, the present disclosure can achieve any of the effects described in the present disclosure.

1 is a schematic diagram showing an overview of crypto asset management by a processing system according to an embodiment. FIG. 1 is a schematic diagram showing a configuration of a processing system according to an embodiment. FIG. 2 is a block diagram showing an electrical configuration of a terminal device according to the embodiment. FIG. 2 is a block diagram showing an electrical configuration of a management server according to the embodiment. FIG. 1 is a block diagram showing a configuration of a distributed ledger system according to an embodiment. FIG. 1 is a block diagram showing a configuration of a mining device according to an embodiment. FIG. 2 is a functional block diagram relating to information processing of a management server according to the embodiment. 4 is a schematic diagram showing an overview of a user management table stored in a management server according to the embodiment; FIG. A flow diagram showing the flow of setting a learned operation model that is set in a management server related to an embodiment. A schematic diagram showing information processing using a learned operation model set in a management server related to an embodiment. A sequence diagram related to crypto asset management in a processing system according to an embodiment. 6 is an example of a screen displayed on a terminal device according to the embodiment. 6 is an example of a screen displayed on a terminal device according to the embodiment. A sequence diagram related to crypto asset management in a processing system according to an embodiment. A sequence diagram related to crypto asset management in a processing system according to an embodiment. A sequence diagram related to crypto asset management in a processing system according to an embodiment. 6 is an example of a screen displayed on a terminal device according to the embodiment. A sequence diagram related to crypto asset management in a processing system according to an embodiment. 6 is an example of a screen displayed on a terminal device according to the embodiment.

The following describes in detail the management server, which is the processing device of the present disclosure, and the processing system having the same, with reference to the drawings. Note that the present disclosure is not limited to the contents described below, and can be modified as desired without changing the gist of the disclosure. In addition, the drawings used in the embodiments are all schematic representations of the devices and processing systems having the same, and may not accurately represent the scale or shape of each component, with partial emphasis, enlargement, reduction, or omission, etc., to deepen understanding. Furthermore, some numerical values used in the embodiments are all examples, and can be modified in various ways as necessary. The same reference symbols are used for configurations that are common in the drawings.

<Outline of the processing system>
The processing system according to the present disclosure is used, for example, for a service provider to manage crypto assets for which a user has granted management authority to a service provider, or crypto assets that are rewards obtained by mining processing of a mining device owned by a user, by investment or the like, and to return the results of the 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 in association with a user) are converted into other crypto assets at the user's choice. This enables management using crypto assets with rising market prices, and the other crypto assets after conversion can be increased more efficiently. In other words, if a user requests management of a crypto asset, the service provider will efficiently manage the crypto asset, and the crypto asset will automatically increase for the user. The processing system is also used when the crypto asset increased by the management is paid for in the crypto asset or its financial asset (legal currency, electronic money, etc.) at the user's request.

In addition, the processing system according to the present disclosure is used when lending legal tender or virtual currency, etc., using crypto assets managed in the management server as collateral. That is, the processing system can also be used as a service system for money lending. For example, when managing a user's crypto assets as a reward for mining processing, the service provider may directly lend the legal tender or virtual currency that it holds to the user, or may lend the legal tender or virtual currency to the user via another financial institution (a bank or a virtual currency exchange). This allows the user to manage other assets or use daily currency based on the crypto assets that the service provider has granted management authority to.

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 a processing system according to this embodiment. In particular, FIG. 1 shows the processes and responses of using a terminal device owned by a user or operating a mining device owned by the user to manage crypto assets stored in a management server, converting the crypto assets into other crypto assets, or lending the crypto assets.

First, as shown in Figure 1, a user uses their own terminal device to transfer the crypto assets they have been managing in their wallet, etc., to a management server, so as to give management authority for their crypto assets to the service provider. 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.

Next, the management server accepts management authority for the user's crypto assets, thereby increasing the amount of crypto assets managed by the user. Furthermore, when 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 amount of crypto assets managed by the user. In other words, when the management server performs the process of granting management authority by the user or the mining process by the mining device, crypto assets (i.e., the user's crypto assets) that will be managed and operated by the service provider are accumulated.

Next, the management server performs operations (investments) using the managed crypto assets or operations using 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 improve results from operations based on the managed crypto assets. As the results from the operations improve, rewards are distributed to users, and the crypto assets of the users managed in the management server automatically increase. In other words, for users, simply having the management server manage their crypto assets will automatically increase the balance of their crypto assets in the management server. In the following, the operation will be described as buying and selling crypto assets, but the operation may also be staking of crypto assets. In addition, the operation may be repeated operations of buying and selling securities, bonds, legal tender, and products using crypto assets as capital. In addition, the operation may be lending (loan-type crowdfunding), investment-type crowdfunding, and factoring using crypto assets as capital.

Next, as shown in FIG. 1, a user can use his/her terminal device to make a request to convert crypto assets managed in the management server into other crypto assets. For example, a user can make a request to convert virtual currency managed as a reward for mining processing into stable coins or other virtual currencies. When the management server receives the conversion request, a process of converting the crypto asset into other crypto assets is performed 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 (stable coin) in response to the market conditions of the crypto asset managed in the management server and other crypto assets. Then, by selecting such crypto assets, aggressive management that increases the crypto asset or stable management that reduces losses becomes possible.

Next, as shown in FIG. 1, a user can use his/her own terminal device to make a loan request using crypto assets managed in the management server as collateral. For example, a user can request a loan of legal tender using crypto assets managed as a reward for mining processing as collateral. The management server accepts the loan request and performs a predetermined examination, and if there is no problem with the loan, the legal tender is lent to the user. Note that the loan target is not limited to legal tender, and may be other crypto assets such as virtual currencies, and the user can appropriately select from the loan targets set by the service operator. This allows the user to obtain legal tender (including electronic money) required in daily life based on the crypto assets for which the service operator has been granted management authority, or to obtain funds for operation services provided by other operators.

As described above, by using a crypto asset management service provided by a management server, users can automatically increase their crypto assets without directly managing them. In addition, by selecting the crypto assets to be managed, users can make choices to increase investment gains or reduce losses from crypto assets. Furthermore, users can receive loans of fiat currency or virtual currency based on the increased crypto assets, and can use the crypto assets to carry out various activities (such as everyday life or economic activities).

The method by which the user receives the cryptocurrency after it has been put into operation is for the user to exercise the right to request delivery, described below, and for the cryptocurrency to be delivered from the service provider to the user's wallet. At this time, the delivery process may be carried out by changing to another cryptocurrency or to legal tender (including electronic money). In other words, the management server performs a payment process to the user in the cryptocurrency, other cryptocurrency, or legal tender, etc., based on the increased cryptocurrency.

In this disclosure, a "user" simply means a person who can use the service provided by the processing system. In particular, in the following embodiment, a "user" is someone who has the right to request delivery of crypto assets or has the right to do so. The right to request delivery includes the management of the crypto assets with respect to the service provider. Here, it is assumed that when managing crypto assets, it is necessary for the user to have the right to request delivery of the crypto assets, and the explanation will be given assuming that only the right to request delivery remains with the user and the ownership of the crypto assets remains with the service provider. For this reason, in the following embodiment, "granting management authority" also means that the ownership of the crypto assets remains with the service provider. However, if the service provider can manage the crypto assets without transferring the 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. In addition, 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.

In this disclosure, the term "mining system" simply means 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, the mining system is assumed to be composed only of a mining device, but the mining system may be composed only of mining software that is intended for processing by cloud mining, or may include both software and hardware.

In this disclosure, "crypto assets" refers to nothing more than assets that have a financial value that can be exchanged over the Internet. In particular, in the following embodiments, "crypto assets" include existing virtual currencies 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), but also include new virtual currencies that will be created in the future. In addition, "crypto assets" also include stable coins such as Deza (USDT), USDC (USDC), BUSD, Dai (DAI), JPYC (JPYC), Zipangu Coin (ZPG), and Paxos Standard (PAX).

In the following embodiment, the application of the processing device and processing system of the present disclosure is described specifically for managing crypto assets that have been granted management authority by a user, and for managing crypto assets that are mining rewards by a mining device, but is not limited thereto. In other words, the processing device and processing system of the present disclosure can be appropriately applied in industries that manage crypto assets on behalf of users, and the applicable industries are not limited.

<Processing System Configuration>
Next, referring to FIG. 2, a schematic configuration of the processing system according to the present embodiment will be described. FIG. 2 is a conceptual diagram showing a schematic configuration of the processing system 1 according to the present 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 who manages crypto assets, a distributed ledger system 30 in which the management server 20 functions as a part of a node, a mining device 40 that executes mining processing, and a trading system 50 that processes various transactions and information in the financial market. The trading system 50 also includes a trading server 60 for performing various transactions, and a data server 70 that stores various information. Furthermore, these components that constitute the processing system 1 are connected to each other so that they can communicate with each other via a network 80 such as the Internet. The network 80 is configured by wireless, wired, or a combination thereof. Here, the financial market is a concept that includes not only the general legal currency market, but also the crypto asset market.

In this embodiment, the description will be centered on the case where the management server 20 functions as a processing device. However, the processing device in this disclosure may be any device capable of executing the above-described processes, and naturally, any other server device other than the management server 20, any other device or system included in the processing system 1, or any combination of these can 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 the others, and each device may be named differently depending on its function.

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, the management server 20, the trading server 60, and the data server 70 are shown as single entities, but it is also possible to distribute the components and processes of each server to multiple server devices or cloud server devices. Furthermore, in the example of FIG. 2, only one distributed ledger system, which is a system that uses blockchain technology, is shown, but it is possible to connect two or more distributed ledger systems to the network 80.

(User's terminal device)
Fig. 3 is a block diagram showing an example of an 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.

The terminal device 10 is typically a terminal device capable of wireless communication, such as a smartphone, but is of course not limited to such devices. For example, the terminal device may be a feature phone, a personal digital assistant, a PDA, a laptop computer, a desktop computer, a portable game machine, a stationary game machine, a virtual reality (VR) head device, an augmented reality (AR) glass, or any other device capable of executing the program according to the present disclosure. In addition, when multiple terminal devices 10 are capable of communicating with the management server 20, the terminal devices 10 do not always need to be the same type or the same terminal device, and may be different types of terminal devices. In other words, the type of terminal used by each user may be different, and one user may use multiple terminals of different types.

3, the terminal device 10 has an output interface 11 including a speaker and a display (neither shown), a processor 12, a memory 13 including a RAM, a ROM, or a non-volatile memory (or, in some cases, a HDD), 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.

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

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

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 for executing the application and the 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 by the execution of the program, and the data written therein is saved even after the execution of the program has ended. In this embodiment, the memory 13 stores, in particular, a program for executing each process etc. described in the sequences of Figures 11, 14 to 16, and 18.

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

The communication interface 14 functions as a communication unit that transmits and receives information to and from a remotely installed management server 20, distributed ledger system 30, trading system 50, or other terminal device 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 device, depending on the progress of processing, such as programs and various information used in the processing system 1.

The communication processing circuit 14a processes based on a wideband wireless communication method such as the LTE method, but can also process based on a method related to narrowband wireless communication such as wireless LAN such as IEEE802.11 or Bluetooth (registered trademark) or a method related to contactless wireless communication. It is also possible to use wired communication instead of or in addition to wireless communication.

The input interface 15 is composed of a touch panel 15a and hard keys 15b, and has a function of accepting instruction inputs related to the execution of the program according to this embodiment and operation inputs for registering various information. The touch panel 15a is arranged to cover the output interface 11, and transmits position coordinate information corresponding to image data output from the output interface 11 to the display to the processor 12. As the touch panel method, known 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 a swipe operation or a tap operation on each icon displayed on the output interface 11 by an indicator. In this embodiment, the input interface 15 provided in the terminal device 10 is used, but it is also possible to use an input interface 15 connected wirelessly or by wire to a main body equipped with the processor 12, such as a mouse.

(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 may have a configuration in which some components are omitted, or other components may be added.

The management server 20 is typically a device capable of wireless communication, such as a large computer, but is of course not limited to such devices. For example, the device may be a feature phone, a personal digital assistant, a PDA, a smartphone, a desktop computer, a laptop computer, a portable game machine, a stationary game machine, or any other device capable of executing the program according to the present disclosure. In addition, the management server 20 does not need to be provided with the components shown in FIG. 4 in a single housing, and each component and process of the management server 20 may be distributed to multiple server devices or cloud server devices.

4, the management server 20 has a processor 21, a memory 22 including a RAM, a ROM, or a non-volatile memory (or, in some cases, a HDD), 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.

The processor 21 is composed of a CPU (Central Processing Unit) or a GPU (Graphics Processing Unit), and has a function of controlling other components connected thereto based on various programs stored in the memory 22. Specifically, the processor 21 reads out from the memory 22 a program for executing the information processing related to the present disclosure and a program for executing the OS, and executes them. In this embodiment, the processor 21 executes, for example, each process described in the sequences of FIG. 11, FIG. 14 to FIG. 16, and FIG. 18. In particular, the processor 21 executes "a process of storing cryptocurrency information linked to a user in the memory 22", "a process of updating cryptocurrency information when at least a part of a cryptocurrency is converted into another cryptocurrency", "a process of managing at least one of a cryptocurrency and another cryptocurrency, or a process of managing a financial product based on a cryptocurrency or another cryptocurrency, and updating cryptocurrency information according to the results of the management", and "a process of making a payment to the user based on the updated cryptocurrency 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.

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

In this embodiment, the memory 22 stores a program for executing each process described in the sequences of, for example, FIG. 11, FIG. 14 to FIG. 16, and FIG. 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 based on a crypto asset or another crypto asset, and updating 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." In addition, in this embodiment, the memory 22 stores a user management table as shown in FIG. 8, and various received information.

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

The communication processing circuit 23a processes based on a wideband wireless communication method such as the LTE method, but can also process based on a method related to narrowband wireless communication such as wireless LAN such as IEEE802.11 or Bluetooth (registered trademark) or a method related to contactless wireless communication. It is also possible to use wired communication instead of or in addition to wireless communication.

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 in this embodiment and operation inputs for registering various information.

The trading server 60 and data server 70 constituting the trading system 50 are also configured in the same manner 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 a control line and a data line. For this reason, a detailed description of the configuration of the trading server 60 and the data server 70 will be omitted.

(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, and it is possible to omit some components or add other components.

As shown in Figure 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.

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.

As shown in FIG. 5, node terminal device 31 is a desktop PC, node terminal device 32 is a tablet terminal, and node terminal device 33 is a notebook PC. However, 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 a node terminal device.

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

Each of the node terminal devices 31 to 33 has a configuration similar to that of the terminal device 10 or the management server 20. For example, the node terminal devices 31 to 33 may have 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 such a configuration and do not need to have all of the components, but may have a configuration in which some are omitted, or other components may be added. In addition, the configurations of the node terminal devices 31 to 33 may be different from each other.

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

The management server 20 also functions as a mining pool, and is communicatively connected to a plurality of mining devices 40 via the 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 that requires approval on the blockchain, it requests the mining devices 40 communicatively connected to it to create a hash for the discovered block. Then, based on the request, each mining device 40 creates a hash for the block in the same way as in normal mining, and transmits the hash to each node terminal device of the distributed ledger system 30 via the management server 20.

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

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

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 out from the memory 42 a program for executing an application related to the present disclosure and a program for executing the OS, and executes them. In particular, the processor 41 executes a program for mining processing, and periodically executes the mining processing.

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 for executing the application and the OS according to the present disclosure as a program. Such a program is loaded and executed by the processor 41. The RAM is used to write and read data while the program stored in the ROM is being processed by the processor 41. The non-volatile memory is a memory into which data is written and read by the execution of the program, 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.

The communication interface 43 functions as a communication unit that transmits and receives information to and from the management server 20 installed remotely via the communication processing circuit 43a and the antenna 43b. The communication processing circuit 43a processes the 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 the 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 method related to narrowband wireless communication such as wireless LANs and Bluetooth (registered trademark) such as IEEE802.11, or a method related to non-contact wireless communication. It is also possible to use wired communication instead of or in addition to wireless communication.

<Functions and Processing of Management Server Device>
Next, functions and processing of the management server 20 according to the embodiment will be described with reference to Fig. 7 and Fig. 8. Fig. 7 is a functional block diagram related to information processing of the management server 20 according to the embodiment. Fig. 8 is a schematic diagram showing an overview of a user management table stored in the management server 20 according to the embodiment.

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

The information acquisition unit 91 functions by the processor 21 in FIG. 4 executing a predetermined program (program related to information acquisition) stored in the memory 22. The storage unit 92 functions by the processor 21 writing various information to the memory 22. The learned operation model 93 functions by the processor 21 in FIG. 4 executing a program related to the generation AI stored in the memory 22. The operation processing unit 94 functions by the processor 21 in FIG. 4 executing a predetermined program (program related to the operation of crypto assets) stored in the memory 22. The conversion processing unit 95 functions by the processor 21 in FIG. 4 executing a predetermined program (program related to the conversion of crypto assets) stored in the memory 22. The loan processing unit 96 functions by the processor 21 in FIG. 4 executing a predetermined program (program related to loan secured by crypto assets) stored in the memory 22. The mining pool unit 97 functions by the processor 21 in FIG. 4 executing a predetermined program (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 the payment processing) stored in the memory 22 .

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, when 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. When the external information includes management information, the information acquisition unit 91 transmits the management information to the memory unit 92 and the management processing unit 94.

Here, the user information is various information related to the user, and includes, for example, a user ID, a user's wallet information, a user's mining device ID, or a user's crypto asset information. The crypto asset information is information including the type of crypto asset (the name of the virtual currency), the quantity of the crypto asset (the amount of the virtual currency), and the like. Furthermore, the financial information is various information in the financial market, and may include, for example, the purchase price and sale price of each legal currency or virtual currency, and may include forecast information on future value fluctuations of each currency. The financial information may include market information related to securities, bonds, legal currency, products, loans (loan-type crowdfunding), equity investment crowdfunding, and factoring. In addition, the management information is information related to management instructions on how to manage the crypto assets managed in the management server 20, and is information selected by the user using the terminal device 10 or generated by the learned management model 93. More specifically, the management information may include information on investment destinations (brands), investment amounts, and information related to the portfolio.

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 relating 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 a linked manner.

A "user ID" is a unique identifier that is assigned to a user who has completed the registration procedure at an online sales site managed by a service provider that sells mining device 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.

"Wallet information" is information related to a wallet acquired by a user to trade crypto assets. This information may include information related to the wallet owner and information related to the crypto assets held.

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 provider. In other words, the mining device ID may be freely set as long as it can identify the mining device 40.

As described above, "cryptocurrency information" is information including the type of cryptocurrency (name of virtual currency), the quantity of cryptocurrency (amount of virtual currency), etc. In other words, cryptocurrency information includes the latest information regarding 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 cryptocurrency, for example, balance information for each virtual currency.

As described above, "management information" is information including information on investment destinations (stocks), investment amount, and portfolio. Furthermore, in the case where management is performed by staking crypto assets, instruction information for said staking is also included. 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 operation model 93 described below. Since the management information is linked to the user ID, the user who can obtain results through management is identified by the user ID.

"Lending information" is information generated by the lending processing unit 96 described below, and is information related to the lending of legal tender or virtual currency, etc., secured by accumulated crypto assets. In other words, the lending information includes information such as the type and amount of currency to be lent, the date and time of the loan, and the due date and amount of repayment. Note that, since the lending information is linked to the user ID and crypto asset information, the user to whom the loan is made is identified by the user ID, and the collateral is identified by the crypto asset information.

Returning to FIG. 7, the crypto asset information and financial information stored in the memory unit 92 are transmitted to the trained operation model 93 at a predetermined timing set in advance. The trained operation model 93 generates operation information for managing the crypto asset based on the input crypto asset information and financial information, and transmits the operation information to the operation processing unit 94. Here, the operation information is similar to 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 of the trained operation model 93 and its processing will be described later with reference to FIG. 9 and FIG. 10.

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. In addition, 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 accepts 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 to be managed.

When the results of the crypto asset management are released (i.e., when an increase or decrease occurs in the crypto asset), the management processing unit 94 transmits management information, which is the conditions of the actual management, and management result information to the memory unit 92. The memory 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.

Next, as shown in Fig. 7, the management server 20 receives a conversion request for the crypto asset from the terminal device 10, executes a conversion process for the crypto asset based on the conversion request, and stores the contents of the conversion request in the memory unit 92. Specifically, when conversion request information is transmitted 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).

When the conversion processing unit 95 receives the conversion request information, it performs a conversion process into another crypto asset for which management has been requested by the user who made the conversion request, 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 out and uses financial information stored in the memory unit 92. Then, the conversion processing unit 95 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 learned operation model 93, and a new operation using the converted crypto asset is initiated.

Next, as shown in Figure 7, the management server 20 accepts a loan request secured by crypto assets from the terminal device 10, executes a loan process based on the loan request, and stores the details in the memory 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 accepts the loan request information. Here, the loan request includes information regarding the type and amount of currency to be loaned.

When the loan processing unit 96 receives the loan request information, it performs an examination based on the loan request information. For example, information related to the 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 or not a loan can be made to the user, the loan amount, the loan repayment date, the loan interest rate, etc. Then, the loan processing unit 96 performs a loan process based on the examination result. Specifically, the loan processing unit 96 may execute a loan process for the user using crypto assets or currency managed in the management server 20, and transmit loan information, which is the result of the loan, to the terminal device 10. The loan processing unit 96 may also transmit a remittance request including the loan information to the transaction system 50, and execute a loan to the user via the transaction system 50 (i.e., execute a remittance process).

Next, the management server 20 supervises the mining process of the mining device 40, and performs processing to distribute the mining reward if the mining process is successful. Specifically, the mining pool unit 97 of the management server 20 requests the mining device 40 to create a hash for the discovered block via the network 80, accepts the hash from each of the mining devices 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 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.

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

When the payment processing unit 98 receives the payment request information, it performs payment processing for the crypto asset that has been requested to be managed by the user who made the payment request, based on the payment request information. For example, the payment processing unit 98 pays the managed crypto asset directly to the user's wallet. In addition, 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 that is the 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.

<Trained Operational 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 a flow of setting the trained operation model 93 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 set in the management server 20 according to the embodiment.

First, as shown in Fig. 9, in order to set the learned operation model 93, the processor 21 of the management server 20 acquires learning data (S1). Here, as an example of the learning 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.

In addition, in this embodiment, past management information, past management result information, past portfolio information, and past financial information are associated and used to generate the learned management 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 appropriately changed according to the machine learning described below.

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

Next, the processor 21 of the management server 20 performs machine learning using the acquired learning data and the annotated teacher data (S3). As an example, the machine learning is performed by providing the learning 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 only an example, and machine learning using scoring may also be performed.

Next, the processor 21 of the management server 20 evaluates the learned 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 the machine learning to perform evaluation of 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 learned operation model 93 is a correct result. Here, the output information is, for example, operation information, which is output in a format including portfolio information.

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

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

The processor 21 of the management server 20 may periodically execute the process shown in FIG. 9 to update the learned operational model 93. That is, learning data may be periodically added to improve the accuracy of the output results of the learned operational model 93. For example, the learned operational model 93 may be updated sequentially using deep learning technology.

<Information processing in processing system>
Next, information processing in the processing system 1 according to the present 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 the embodiment. In particular, Fig. 11 is a diagram showing a sequence executed in the processing system 1 from wallet generation to user registration. Also, Fig. 14 is a sequence diagram showing a flow of an increase in the crypto asset of a user managed in the management server 20. Furthermore, Fig. 15 is a sequence diagram showing a flow of crypto asset management by the management server 20. And Fig. 16 is a sequence diagram showing a flow related to crypto asset conversion processing by the management server 20. In addition, Fig. 18 is a sequence diagram showing a flow related to lending processing by the management server 20.

Meanwhile, Fig. 12, Fig. 13, Fig. 17, and Fig. 19 are examples of screens displayed on the terminal device 10 according to the embodiment. In particular, Fig. 12 is a screen on which a graph showing price fluctuations of virtual currency is displayed. Also, Fig. 13 is a screen on which information related to settings for managing crypto assets is displayed. Furthermore, Fig. 17 is a screen on which information related to conversion of crypto assets is displayed. Furthermore, Fig. 19 is a screen on which information related to loans secured by crypto assets is displayed.

11, the processor 12 of the terminal device 10 receives user input via the input interface 15, generates information related to wallet generation, and performs a wallet generation request process (S11). The information includes various information related to the user. The processor 12 transmits the generated information to the trading server 60 via the communication interface 14, and makes a wallet generation request to the trading server 60 (T11).

Next, the processor of the transaction server 60 determines whether or not 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).

Next, the processor 12 of the terminal device 10 accepts user operation input via the input interface 15 and generates login information (S13). The login information includes a user ID and password. More specifically, the user's operation input is when the user operates the terminal device 10 to reach a web page managed by the management server 20, and inputs the user's ID and password via the input interface 15 on the login screen of the web page. 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).

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 can confirm user registration, it approves the user's login as a result of the authentication processing (T14). On the other hand, if the processor 21 of the management server 20 cannot confirm user registration, it requests the terminal device 10 to re-enter the user ID and password.

When the login is approved in the terminal device 10, a screen as 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 on which information corresponding to each tab is displayed. Here, the tab 102 is set as "Top", the tab 103 is set as "Coin", the tab 104 is set as "Crypto Asset", the tab 105 is set as "Operation Condition", the tab 106 is set as "Loan", and the tab 107 is set as "Shop". Furthermore, when the user is logged in, the "Top" tab 102 is selected, and new information, topics, etc. are displayed. Then, when the "Coin" tab 103 is selected by the user's operation, a graph related to the price fluctuation 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 crypto asset such as a virtual currency and easily check financial information related to the selected crypto asset. The tabs "Crypto Assets,""OperationConditions," and "Loan" will be described in detail later. Meanwhile, the "Shop" tab 107 may have a function of displaying on the display unit 108 a site where the mining device 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.

Next, the processor 12 of the terminal device 10 receives the user's operation input via the input interface 15 and generates the operation setting information (S15). As a specific example of the user's operation input, as shown in FIG. 13, the "operation conditions" tab 105 is selected and one of the three types of operation conditions displayed on the display unit 108 is selected. For example, there are three types of operation conditions: "normal automatic operation", "automatic operation by AI", or "no operation". "Normal automatic operation" is an operation performed based on the investment destination, investment amount, and portfolio selected by the user at the initial stage, and is a pattern in which operation is started by sending operation information from the information acquisition unit 91 in FIG. 7 to the operation processing unit 94. For this reason, when "normal automatic operation" is selected, the screen may transition to a screen for selecting, inputting, and confirming the investment destination, investment amount, and portfolio. In addition, "automatic operation by AI" is an operation using the learned operation model 93 in FIG. 7. In this case, the learned operation model 93 outputs the conditions necessary for operation, so that the user does not need to select the operation conditions. In addition, 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.

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

Next, according to FIG. 14, the processor 21 of the management server 20 executes a mining request process (S21). Specifically, the processor 21 of the management server 20 performs a process to discover a block that requires approval on the blockchain. When the processor 21 of the management server 20 (mining pool unit 97) 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 transmits a mining request together with the request information to the mining device 40 via the communication interface 23 (T21).

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 found in the management server 20. The mining device 40 then transmits the generated hash to the management server 20 (T22). The hash is then transmitted to each node terminal device of the distributed ledger system 30 via the management server 20.

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 (S23) to distribute a reward to the user (mining device 40) as a reward for the success. The processor 21 of the management server 20 then 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 assets linked to the user managed by the management server 20 will increase.

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 a wallet application on the terminal device 10, and a process is performed in which the user transfers the crypto asset managed in the user's wallet to the management server 20. In other words, a procedure is executed in which ownership rights of the crypto asset held by the user are transferred to the service provider, which is the administrator of the management server 20.

When this process is performed, management authority for the crypto assets is granted to the management server 20 (T23), and the crypto assets linked to the user are 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 process of granting management authority, the crypto assets managed by the management server 20 will increase in addition to the increase in crypto assets due to mining rewards.

Next, according to FIG. 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 learned operation model 93, and outputs the latest management information from the learned operation model 93. On the other hand, if "normal automatic operation" is selected in S15, the information acquisition unit 91 sorts and generates management information from external information.

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 buying and selling information together 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 that receives the buying and selling information performs buying and selling processing based on the buying and selling information (S32). Next, the trading server 60 transmits information related to the results or losses, which are the management results based on the buying and selling transactions, to the management server 20 (T32).

Next, the processor 21 of the management server 20 performs an update process of the crypto asset information stored in the memory 22 based on the received information related to the results or losses (S33). Specifically, the management information and management result information are transmitted 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 transmits the updated crypto asset information to the terminal device 10 via the communication interface 23 (T33). After that, in the terminal device 10, the processor 12 displays the crypto asset information via the output interface 11, and a confirmation process of the crypto asset is performed (S34). More specifically, when the user selects the "Crypto Assets" tab 104 in FIG. 12, the balance of the crypto asset that the user has requested to be managed is displayed.

Next, the processor 12 of the terminal device 10 accepts the user's operational input via the input interface 15 and performs a process of generating payment request information (S35). As a specific example of the user's operational input, "Payment" displayed on the screen of the terminal device 10 is clicked or touched, and an asset (cryptocurrency, virtual currency, legal currency, electronic money) to be paid is selected and the amount is input. Then, when a final decision button such as "Execute" is clicked or touched, the payment request information is generated.

Next, the processor 12 of the terminal device 10 transmits the payment request information together with the payment request to the management server 20 via the communication interface 14 (T34). When the payment request information generated by the terminal device 10 is received by the management server 20 via the communication interface 23, the processor 21 of the management server 20 executes payment processing based on the payment request information (S36). Specifically, the payment processing unit 98 performs payment processing 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 a specified crypto asset to the user's wallet, or making a payment in legal tender or the like via a financial institution.

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.

Next, according to FIG. 16, the processor 12 of the terminal device 10 accepts user operation input via the input interface 15 and performs a process of generating conversion request information (S41). As a specific example of user operation input, as shown in FIG. 17, when the "cryptocurrency" tab 104 is selected, the display unit 108 displays the cryptocurrency for which the user has granted management authority and its balance. Here, a "conversion" button 121 is displayed below the balance of each cryptocurrency. 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 cryptocurrency," an input unit 124 for inputting the desired conversion amount, and a "request" button 125. When the user selects a cryptocurrency in the selection unit 123, inputs the desired conversion amount, and clicks or touches the "request" button 125, conversion request information is generated.

Next, the processor 12 of the terminal device 10 transmits the conversion request information together with the conversion request to the management server 20 via the communication interface 14 (T41). When the conversion request information generated by the terminal device 10 is received by the management server 20 via the communication interface 23, the processor 21 of the management server 20 executes a conversion process based on the conversion request information (S42). Specifically, the conversion processing unit 95 performs a conversion process into another selected crypto asset for which the user who made the conversion request has requested management, based on the conversion request information. In addition, the conversion information is 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). After that, in the terminal device 10, the processor 12 displays the crypto asset information via the output interface 11, and a confirmation process of the crypto asset is performed (S43).

Next, the processor 21 of the management server 20 executes a process for generating management information for managing the crypto assets (S44). The processor 21 of the management server 20 then performs management processing (buying and selling requests) for the crypto assets based on the generated management information (T43). Next, the trading server 60 performs buying and selling processing based on the buying and selling information received from the management server 20 (S45). Then, the trading server 60 transmits information related to the results or losses, which are the management results based on the buying and selling transactions, 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 explanations will be omitted.

Next, the processor 21 of the management server 20 performs an update process of the crypto asset information stored in the memory 22 based on the received information related to the results or losses (S46). 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 (T45). 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 (S47). Note that these processes are the same as S33, T33, and S34 in Figure 15, so detailed explanations are omitted.

Next, according to FIG. 18, the processor 12 of the terminal device 10 accepts user operation input via the input interface 15 and performs a process of generating loan request information (S51). As a specific example of user operation input, as shown in FIG. 19, when the "Loan" tab 106 is selected, information related to the loan content is displayed on the display unit 108. For example, a selection unit 131 for selecting a currency is displayed next to the display of "Loan Currency". In addition, an input unit 132 in which the loan amount can be input is displayed next to the display of "Loan Amount". Furthermore, below these selection units 131 and input unit 132, a button 133 called "Explanation of Loan Conditions" is displayed. And below the button 133, a button 134 called "Request" is displayed. When the user selects the loan currency in the selection unit 131, inputs the loan amount in the input unit 132, and clicks or touches the "Request" button 134, loan request information is generated. In addition, when the user clicks or touches button 133, a screen will pop up explaining the various conditions related to the loan. The user can understand the loan conditions by checking the screen and make a final decision on whether or not to request a loan.

Next, the processor 12 of the terminal device 10 transmits the loan request information together 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 performs 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, and the user management table is updated in the memory unit 92.

Next, the processor 21 of the management server 20 transmits the loan information, which is the result of the loan screening, to the terminal device 10 via the communication interface 23 (T52). The processor 21 of the management server 20 also transmits a remittance request together with the loan information to the trading server 60 (T53). After that, the trading server 60, which has received the loan information, performs a remittance process based on the loan information (S53). Next, the trading server 60 transmits the remittance information, which is the result of the remittance process, to the terminal device 10 (T54). Then, in the terminal device 10, the processor 12 displays the loan result via the 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 loaned currency and its amount (S54).

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

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

In such a processing device, the managed crypto assets can be freely converted into other crypto assets, which allows for a wider range of options for managing crypto assets, and allows users to select and manage crypto assets with higher success rates 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 achieve results, enabling the user to receive results from the management of their crypto assets.

In a second embodiment of the present disclosure, the operation processing unit in the first embodiment starts the operation when it receives an operation request from the user. This makes it possible to respect the user's intentions and accurately execute the initial contract (transaction) related to the operation of the crypto asset.

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. This allows the user to select a currency with high asset value and manage the currency based on the selected currency.

A fourth embodiment of the present disclosure is the third embodiment, in which the other virtual currency is a stable coin, thereby reducing losses during the operation stage and enabling stable operation.

A fifth embodiment of the present disclosure is, in any of the first to fourth embodiments, to have 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. This increases the utility value of the crypto asset for users, promoting the growth of the financial market.

A sixth embodiment of the present disclosure is the fifth embodiment, in which the loan processing unit performs a loan process of virtual currency or legal tender using the crypto asset as collateral. This increases the utility value of the crypto asset for users, and promotes daily economic activity.

In a seventh embodiment of the present disclosure, in any of the first to sixth embodiments, the management processing unit includes a trained management model that generates management information for performing the management when financial information in the financial market and the crypto asset information are input. This allows the management of crypto assets to be performed with higher accuracy, enabling users to achieve more.

An eighth embodiment of the present disclosure is the seventh embodiment, in which the learned operation model constructs a portfolio according to the financial information and the crypto asset information, and outputs the portfolio information together with the operation information. This enables crypto asset management with higher accuracy, and enables users to achieve more.

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

A tenth embodiment of the present disclosure is the ninth embodiment, which has a mining pool unit that requests mining to the mining device and controls 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.

The eleventh embodiment of the present disclosure is a processing method for managing a user's crypto assets, which includes a step of storing crypto asset information linked to the user, a step of converting at least a part of the crypto assets into other crypto assets and updating the crypto asset information, a step of managing at least one of the crypto assets and the other crypto assets, or managing financial products based on the crypto assets or the other crypto assets, and updating the crypto asset information according to the results of the management, and a payment step of making a payment to the user based on the updated crypto asset information. In such a processing method, since the managed crypto assets can be freely converted into other crypto assets, the range of options for managing crypto assets can be expanded, and crypto assets with a higher success rate or stable crypto assets can be selected for management. In other words, according to the processing method, the user's crypto assets are easily managed, and the crypto assets can be managed on behalf of the user to produce results, making it possible to bring results from the management of crypto assets to the user.

The twelfth embodiment of the present disclosure is a processing program for managing a user's crypto assets, which causes a computer to execute the following processes: 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; managing at least one of the crypto asset and the other crypto asset, or managing a financial product based on the crypto asset or the other crypto asset; 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. In such a processing program, the managed crypto asset can be freely converted into another crypto asset, so that the range of options for managing crypto assets can be expanded, and a crypto asset with a higher success rate or a more stable crypto asset can be selected for management. In other words, according to the processing program, the user's crypto assets can be easily managed, and the crypto asset can be managed on behalf of the user to produce results, making it possible to bring results from the management of the crypto asset to the user.

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 Loan processing unit 97 Mining pool unit 98 Payment processing unit

Claims (12)

A processing device that manages crypto assets whose ownership rights have been transferred from a user to a service provider ,
A storage unit that stores crypto asset information linked to the user;
A conversion processing unit that converts at least a portion of the crypto asset into another crypto asset and updates the crypto asset information;
an investment processing unit that manages at least one of the crypto assets and the other crypto assets, or manages financial products that use the crypto assets or the other crypto assets as capital, and updates the crypto asset information according to the results of the management;
A processing device having a payment processing unit that, when it receives payment request information from the user's terminal device, including a payment request based on a delivery claim right based on the crypto asset before the ownership rights are transferred from the service provider to the user, and information about the payment object selected by the user, performs a payment process to convert the crypto asset into the asset selected by the user as the payment object and pay the user based on the updated crypto asset information and the payment request information. The processing device according to claim 1, wherein the operation processing unit starts the operation when it receives an operation request from the user. The crypto asset is a virtual currency,
The processing device according to claim 1 , wherein the conversion processing unit converts the virtual currency into another virtual currency. The processing device according to claim 3 , wherein the other virtual currency is a stable coin. 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. The processing device according to claim 5 , wherein the loan processing unit performs a loan process of virtual currency or legal tender using the crypto asset as collateral. The processing device according to claim 1, wherein the operation processing unit includes a learned operation model that generates operation information for carrying out the operation when financial information in the financial market and the cryptocurrency information are input. The processing device according to claim 7, wherein the learned operation model constructs a portfolio according to the financial information and the cryptocurrency information, and outputs the operation information including information on the portfolio. The processing device according to any one of claims 1 to 8, wherein the cryptocurrency is a reward for mining processing performed by a mining device owned by the user. The processing device according to claim 9, further comprising a mining pool unit that requests mining from the mining device and controls the mining process to determine the reward for the user. A processing method for managing crypto assets whose ownership rights have been transferred from a user to a service provider by a computer , comprising the steps of:
storing crypto asset information associated with the user;
converting at least a portion of the crypto asset into another crypto asset and updating the crypto asset information;
a step of managing at least one of the crypto assets and the other crypto assets, or managing financial products that use the crypto assets or the other crypto assets as capital, and updating the crypto asset information according to the results of the management;
The processing method comprises a payment process in which, when payment request information including information on the payment object selected by the user along with a payment request based on a delivery claim right based on the crypto asset before the ownership rights are transferred from the service provider to the user is received from the user's terminal device, the crypto asset is converted into the asset as the payment object selected by the user based on the updated crypto asset information and the payment request information , and a payment process is performed to pay the user. A processing program for managing crypto assets whose ownership rights have been transferred from a user to a service provider ,
storing crypto asset information associated with the user;
When at least a portion of the crypto asset is converted into another crypto asset, the crypto asset information is updated;
Investing in at least one of the crypto assets and the other crypto assets, or investing in financial products that use the crypto assets or the other crypto assets as capital, and updating the crypto asset information according to the results of the investment;
A processing program that causes a computer to execute a process of converting the crypto asset into the asset selected by the user as the payment object based on the updated crypto asset information and the payment request information, and paying the user, when payment request information including information on the payment object selected by the user is received from the user's terminal device along with a payment request based on the delivery claim right based on the crypto asset before the ownership rights are transferred from the service provider to the user .

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