JP2024140360A - Information processing system, information processing method, and program - Google Patents

Abstract

[Problem] To provide a system capable of efficiently and safely realizing the transfer of a deposit or security deposit associated with the issuance of value information. [Solution] When value information indicating electronic value is issued to a user by a business that issues the value information, the system includes a remittance unit that records in the blockchain a transaction of transferring digital currency equivalent to the deposit or security deposit associated with the issuance of the value information to a deposit address or a security deposit receiving address, and a return unit that records in the blockchain a transaction of returning the digital currency to the business's address or the user's address when a predetermined condition for the digital currency to be returned to the business or user is satisfied. [Selected Figure] Figure 1

Description

The present invention relates to an information processing system, an information processing method, and a program.

A system is known that records and manages the history of electronic money issuance, conversion, etc. on a blockchain (for example, Patent Document 1).

JP 2022-57742 A

The system described in Patent Document 1 is a system that enables the management of the circulation of electronic money by recording the issuance and conversion of electronic money on a blockchain to identify the amount of the deposit. Note that the deposit associated with the issuance of electronic money is realized by depositing cash to a depository, depositing bonds, or entering into a performance guarantee (trust) contract. In other words, the system cannot realize deposits according to the amount of electronic money issued.

Therefore, there is a demand for a mechanism that can efficiently and safely handle the transfer and refund of deposits or security money that accompanies the issuance of value information that indicates electronic value such as electronic money.

The present invention aims to provide a system that can efficiently and safely realize the transfer of deposits or guarantees associated with the issuance of value information.

An information processing system according to one aspect of the present invention includes a remittance unit that records, when a business entity that issues value information indicating electronic value issues the value information to a user, a transaction in which digital currency equivalent to a deposit or security deposit associated with the issuance of the value information is remitted to a deposit address or a security deposit receiving address in a blockchain, and a return unit that records, when a predetermined condition for the digital currency to be returned to the business entity or the user is satisfied, a transaction in which the digital currency is returned to the business entity's address or the user's address in the blockchain.

An information processing method according to one aspect of the present invention includes a computer recording, when a business issuing value information indicating electronic value issues the value information to a user, a transaction in which digital currency equivalent to a deposit or security deposit associated with the issuance of the value information is sent to a deposit address or a security deposit receiving address, and, when a predetermined condition for the digital currency to be returned to the business or the user is satisfied, recording, on the blockchain, a transaction in which the digital currency is returned to the business's address or the user's address.

A program according to one aspect of the present invention causes a computer to execute the following: when value information indicating electronic value is issued to a user by a business operator that issues the value information, the program executes the following: recording on a blockchain a transaction in which digital currency equivalent to a deposit or security deposit associated with the issuance of the value information is sent to a deposit address or a security deposit receiving address; and when a predetermined condition for the digital currency to be returned to the business operator or the user is satisfied, the program executes the following: recording on the blockchain a transaction in which the digital currency is returned to the business operator's address or the user's address.

The present invention provides a system that can efficiently and safely realize the transfer of deposits or security money associated with the issuance of value information.

FIG. 1 is a diagram illustrating an example of a configuration of an information processing system according to an embodiment of the present invention. A diagram showing the deposit management database D111. FIG. 11 is a diagram showing a deposit management database D112. FIG. 11 is a diagram illustrating an example of a configuration of an information processing system according to a first modified example. 1 is a flow chart showing a deposit management process in an information processing system. 11 is a flow diagram showing a deposit management process in the information processing system. FIG. 2 illustrates an example of a hardware configuration of a computer.

With reference to FIG. 1, an overview of the information processing system 10 according to this embodiment will be described. FIG. 1 is a diagram showing an example of the configuration of the information processing system 10 according to this embodiment. Note that in the present invention, a "part" does not simply mean a physical means, but also includes cases where the functions of the "part" are realized by software. The software may be, for example, a program (smart contract) that runs on a blockchain. In addition, the functions of one "part" or device may be realized by two or more physical means or devices, and the functions of two or more "parts" or devices may be realized by one physical means or device.

The information processing system 10 is a system that executes a smart contract for the deposit or security deposit associated with an issuer issuing value information indicating electronic value, and records transactions related to a digital currency (e.g., a stable coin) equivalent to the deposit or security deposit on a blockchain.

Value information indicating electronic value includes, for example, data for making electronic payments using electronically stored balances (hereinafter referred to as "electronic money") and tokens traded on the blockchain.

Electronic money is, for example, value information handled by prepaid payment instrument issuers (such as "Suica (registered trademark) electronic money") and value information handled by money transfer businesses (such as "PayPay (registered trademark) money") as stipulated in the Payment Services Act.

The token is, for example, an NFT (Non-Fungible Token), which is a token traded on a blockchain. An NFT is a token that has the property of being non-fungible. Therefore, digital content associated with an NFT (for example, a photo, a video, data indicating a membership ticket for a service, etc.) is non-fungible. In other words, the owner of the digital content can be proven by using an NFT. Therefore, for example, a user can prove that they are a member of a specific service by purchasing an NFT associated with a membership ticket to enjoy that service.

A deposit is, for example, money to compensate a user who holds value information for losses, and refers to money that the issuer of the value information deposits in advance with a specified institution, etc. Specifically, a deposit is, for example, a performance guarantee that an issuer of electronic money (a prepaid payment instrument issuer or a funds transfer business operator) transfers to a depository, etc. according to the amount of electronic money issued (Articles 14 and 43 of the Payment Services Act, etc.). For example, as the amount of electronic money issued (the total amount issued by a specified business operator) changes as a result of a user's use of electronic money, the amount of the deposit that the issuing business operator must deposit with a depository, etc. (for example, half of the total amount issued) changes.

A security deposit is, for example, money paid by a user as security to become a member and enjoy a specified service. If the user ceases to be a member of the service, at least a portion of the security deposit paid is returned to the user.

Digital currencies are tokens (data) that have value, for example, managed by a blockchain. Digital currencies circulate as electronic currency and are used in transactions. Digital currencies include, for example, stablecoins, central bank digital currencies (CBDCs), virtual currencies such as Bitcoin, etc.

Blockchain is a system used for trading virtual currencies and various tokens. Blockchain is made up of multiple nodes (computers) and can manage ledger data in a distributed manner. The distributed ledger is managed in a way that makes it difficult to tamper with, using the so-called blockchain mechanism. Note that a detailed explanation of the distributed ledger management mechanism using blockchain will be omitted here, as a general one will be used.

A smart contract is a program or computer protocol that is executed according to predefined rules, for example on a blockchain, triggered by transactions or external information.

<<Configuration Overview>>
An outline of the configuration of an information processing system 10 will be described with reference to Fig. 1. As shown in Fig. 1, the information processing system 10 includes, for example, an information processing device 100, an issuer device 200, and a user terminal 300.

The devices constituting the information processing system 10 are connected to each other via a communication network so that they can communicate with each other. The communication network is a wired network or a wireless network. Although not shown, the information processing system 10 may be configured to include multiple information processing devices 100, issuer devices 200, and user terminals 300.

The information processing device 100 is, for example, a device that executes a deposit management process and a security deposit management process.

In the deposit management process, for example, when an issuer of electronic value information (hereinafter referred to as the "issuing company") issues electronic money, a transaction is stored in the blockchain to deposit digital currency equivalent to a deposit corresponding to the issued amount of electronic money. In the deposit management process, when the conditions for the deposit to be returned to the issuing company are met, a transaction is recorded in the blockchain to return the digital currency to the issuing company.

Specifically, the information processing device 100 determines the amount of the deposit based on the amount of electronic money issued by the issuer. The information processing device 100 executes a smart contract (hereinafter referred to as the "first remittance contract") that records a transaction to remit digital currency equivalent to the amount of the deposit from the issuer's address in the blockchain to a deposit address. Then, for example, when the amount of electronic money issued by the issuer decreases, the information processing device 100 executes a smart contract (hereinafter referred to as the "first return contract") that records a transaction to return digital currency equivalent to at least a portion of the deposit deposited by the issuer from the deposit address in the blockchain to the issuer's address.

A deposit address is, for example, an address on the blockchain of a deposit office or a business that manages deposited funds (such as a bank or trust company).

In the deposit management process, for example, when an issuer issues an NFT associated with a specified service, a transaction is stored in the blockchain to secure digital currency equivalent to the deposit paid by the user to the issuer when purchasing the NFT as a deposit. In the deposit management process, when the conditions for returning the deposit to the user are met, a transaction is recorded in the blockchain to return the digital currency to the user.

Specifically, the information processing device 100 identifies the amount of the security deposit paid to the issuing company by the user who purchased the NFT. The information processing device 100 executes a smart contract (hereinafter referred to as the "second remittance contract") that records a transaction to transfer digital currency equivalent to the security deposit from the user's address in the blockchain to an address for receiving the security deposit. Then, when the user returns the NFT to the issuing company, for example, the information processing device 100 executes a smart contract (hereinafter referred to as the "second return contract") that records a transaction to transfer digital currency equivalent to the paid security deposit from the address for receiving the security deposit in the blockchain to the user's address.

The address for receiving the security deposit may be, for example, the address on the blockchain of the issuing company that issued the NFT, or the address of a company entrusted with managing the security deposit by the issuing company.

The issuer device 200 is a device that accepts operational input from the issuing business operator. The issuer device 200 transmits information regarding the value information issued to the user to the information processing device 100. In addition, the issuer device 200 executes a process of issuing value information (electronic money or NFT) to the user terminal 300 based on a user request (hereinafter referred to as an "issuance request") obtained from the user terminal 300.

The information processing device 100 and the issuer device 200 may be, for example, a cloud computer, a server computer, a personal computer (e.g., a desktop, laptop, tablet, etc.), a media computing platform (e.g., a cable, satellite set-top box, digital video recorder), a handheld computing device (e.g., a PDA, email client, etc.), or other types of computers or communications platforms.

The user terminal 300 is a device that transmits and receives various information to and from the issuer device 200. The user terminal 300 has the function of receiving operational input from the user and acquiring and returning value information issued by the issuer device 200.

The user terminal 300 may be, for example, a smartphone, a mobile phone (feature phone), a personal computer (e.g., desktop, laptop, tablet, etc.), a media computing platform (e.g., cable, satellite set-top box, digital video recorder), a handheld computing device (e.g., PDA (Personal Digital Assistant), email client, etc.), a wearable device (glasses-type device, watch-type device, etc.), another type of computer, or a communications platform.

<<Processing Overview>>
Next, an overview of the processing of the information processing system 10 will be described with reference to FIG.

In step S10, the issuer device 200 issues value information (e.g., electronic money or NFT) based on an issuance request obtained from the user terminal 300, for example.

In step S11, the information processing device 100 determines the amount of the deposit or security deposit (hereinafter, collectively referred to as "deposit, etc.") based on the amount of the issued value information.

For example, in the deposit management process, the information processing device 100 identifies the amount of the deposit corresponding to the issued electronic money based on the provisions of the Payment Services Act. Also, for example, in the security deposit management process, the information processing device 100 identifies the amount of the security paid by the user when the NFT is issued.

In step S12, the information processing device 100 executes a smart contract (first remittance contract or second remittance contract) that records in the blockchain a transaction to remit digital currency equivalent to the amount of the deposit, etc., to a deposit address or a security deposit receiving address.

In step S13, when the conditions for returning the deposit, etc. to the issuer or user are met, the information processing device 100 executes a smart contract (first return contract or second return contract) that records a transaction to return digital currency equivalent to the deposit, etc. to the issuer's address or the user's address.

In this way, the information processing system 10 can handle deposits, etc., associated with the issuance of value information, electronically by managing the deposits, etc., associated with the issuance of value information on the blockchain using digital currency in a manner that makes them difficult to tamper with. This makes it possible to ensure the security of the management of deposits, etc., while realizing efficient management of the same.

Information Processing Device 100
The configuration of the information processing device 100 will be described with reference to Fig. 1. As shown in Fig. 1, the information processing device 100 includes a storage unit 110, a deposit identification unit 120, a security deposit identification unit 130, a remittance unit 140, and a return unit 150. The functions of these units are realized, for example, by using a storage area such as a memory 1002 shown in Fig. 7, or by a processor 1001 executing a program stored in the storage area.

The memory unit 110 includes, for example, a deposit management database D111 and a security deposit management database D112.

The deposit management database D111 will be described with reference to FIG. 2. FIG. 2 is a diagram showing an example of the deposit management database D111. The deposit management database D111 is a database that stores value information and users in association with each other when the issued value information is electronic money, for example. Note that the deposit management database D111 does not have to be stored in the information processing device 100. For example, the deposit management database D111 may be stored in the issuer device 200, or may be stored in another device (not shown).

As shown in FIG. 2, the deposit management database D111 includes, for example, the items [User ID], [Held value information], and [Issued amount]. [User ID] stores an identification code that can uniquely identify a user who holds value information. [Held value information] stores information indicating the name of the value information held by the user. [Issued amount] stores information indicating the amount of the value information.

The security deposit management database D112 will be described. FIG. 3 is a diagram showing the security deposit management database D112. The security deposit management database D112 is a database relating to information including the user who acquired the value information and the security deposit when the issued value information is an NFT, for example. Note that the security deposit management database D112 does not need to be stored in the information processing device 100. For example, the security deposit management database D112 may include
The information may be stored in the issuer device 200 or in another device (not shown).

As shown in FIG. 3, the security deposit management database D112 includes items such as [User ID], [Held value information], [Issued amount], and [Guarantee amount]. [User ID] stores an identification code that can uniquely identify a user who holds value information. [Held value information] stores information indicating the name of value information held by the user. [Issued amount] stores information indicating the amount of the value information. [Guarantee amount] stores information indicating the amount of the security deposit paid by the user when the value information is issued.

When the value information is electronic money, for example, the deposit determination unit 120 determines the amount of the deposit corresponding to the amount of the issued electronic money. Specifically, the deposit determination unit 120 may determine the amount of the deposit based on conditions stipulated in the Payment Services Act according to the amount of electronic money issued by the issuer, or may determine the amount of the deposit predetermined by the issuer (for example, an amount equal to the total amount of the issued electronic money). The deposit determination unit 120 may also obtain information indicating the amount of the deposit from the issuer device 200, for example.

The conditions stipulated in the Payment Services Act include, for example, that if the unused balance of an issued prepaid payment instrument (electronic money) exceeds 10 million yen on the reference date (end of March or end of September), an amount equivalent to at least half of the unused balance must be deposited (Article 14 of the Payment Services Act).

For example, when the value information is an NFT, the security deposit identification unit 130 identifies the amount of security deposit that a user who purchases an NFT (e.g., a membership ticket) associated with a specific service pays to an issuer when joining the service. Specifically, the security deposit identification unit 130 acquires, for example, from the issuer device 200, at least one of information indicating the amount of the security deposit, information indicating the amount of the NFT issued, and information capable of identifying the NFT. The security deposit identification unit 130 identifies the amount of the security deposit for the membership ticket, for example, based on the acquired information.

Here, when the security deposit identification unit 130 acquires information indicating the issuance amount of the NFT, for example, it may identify at least a portion of the issuance amount of the NFT (for example, 10% of the issuance amount) as the security deposit amount. This allows the information processing device 100 to omit the security deposit payment procedure by the user, thereby making the security deposit payment process more efficient. Also, when the security deposit identification unit 130 acquires information capable of identifying the NFT, for example, it refers to the security deposit management database D112 to identify the security deposit amount corresponding to the NFT.

The remittance unit 140 is a functional unit that executes a smart contract (first remittance contract or second remittance contract) that records a transaction to remit digital currency equivalent to the amount of a deposit, etc., on the blockchain.

Specifically, when the value information is electronic money, the remittance unit 140 executes the first remittance contract and records a transaction to remit digital currency equivalent to the amount of the deposit identified by the deposit identification unit 120 from the issuer's address in the blockchain to the deposit address.

More specifically, when the value information is NFT, the remittance unit 140 executes the second remittance contract and records a transaction to remit digital currency equivalent to the amount of the security deposit identified by the security deposit identification unit 130 from the user's address in the blockchain to an address for receiving the security deposit.

More specifically, when the security deposit identification unit 130 identifies at least a portion of the NFT issuance amount as the security deposit amount, the remittance unit 140 may execute a second remittance contract to remit digital currency equivalent to the identified amount from the user's address in the blockchain to an address for receiving the security deposit.

When the conditions (hereinafter referred to as "return conditions") for the deposit, etc. to be returned to the issuer or user are met, the return unit 150 executes a smart contract (first return contract or second return contract) that records a transaction on the blockchain to return digital currency equivalent to the deposit, etc. to the issuer's address or the user's address.

The return condition is a condition based on the amount of the issued electronic money when the value information is electronic money. For example, when the issued electronic money is a prepaid payment instrument, if the unused balance of the issued electronic money falls below 10 million yen on a reference date (for example, the end of March or September), the deposit is no longer necessary, and the entire amount of the deposited deposit can be returned to the issuer (Article 14 of the Payment Services Act). Also, for example, when the unused balance of the issued electronic money (prepaid payment instrument) is 10 million yen or more on a reference date, if the amount of the already deposited deposit exceeds half of the unused balance, the amount obtained by subtracting half of the unused balance from the total amount of the deposit can be returned to the issuer. In the return condition, the return unit 150, for example, refers to the deposit management database D111 to identify the total amount of the issued electronic money, and determines whether the return condition is met based on the total amount. The return conditions are not limited to conditions based on the Payment Services Act, and may be conditions determined in advance by the issuer. Specifically, if the issuer determines that an amount equal to the total amount of electronic money issued is to be deposited, when the total amount of electronic money issued falls from 10 million yen to 9 million yen, 1 million yen of the deposited 10 million yen may be refunded to the issuer.

In addition, when the value information is an NFT, the return condition may be a condition indicating that the issued NFT has been returned to the issuer. In this case, the return unit 150 determines that the return condition is satisfied when information indicating that the user has returned the NFT to the issuer is acquired from the issuer device 200.

In addition, when the value information is an NFT, the return condition may be a condition indicating that the NFT has been returned to the issuing company, plus other conditions. For example, the return condition may include a condition that the issuing company has approved that the security deposit can be returned based on the return of the NFT to the issuing company. In this case, the return unit 150 determines that the return condition is satisfied based on the information indicating that the NFT has been returned and the information indicating that the issuing company has approved that the security deposit can be returned.

In addition, if the value information is an NFT, the return condition may be a condition indicating that the expiration date set in the NFT has passed. In this case, the return unit 150 refers to a database (not shown) that manages the NFT, and determines whether the return condition has been met based on information indicating the expiration date of the NFT.

This allows the information processing system 10 to realize a process for returning the security deposit under various conditions.

====Modifications====
In the following, only the configuration that differs from the configuration of the information processing system 10 described above will be described, and unless otherwise specified, it will be assumed that the configuration is the same as the information processing system 10 described above.

<<First Modification>>
Next, an information processing system 10 according to a first modified example will be described. Fig. 4 is a diagram showing an example of the configuration of the information processing system 10 according to the first modified example. When the value information is NFT, the information processing system 10 according to the first modified example specifies the amount of NFT to be issued according to the amount of the security deposit paid by the user.

The information processing system 10 according to the first modified example further includes, for example, an issuance amount calculation unit 160. When the value information is an NFT, the issuance amount calculation unit 160 may calculate the issuance amount of the NFT based on information indicating the amount of the security deposit paid when purchasing the NFT (information indicating the security deposit obtained from the issuer device 200). Specifically, for example, the issuance amount calculation unit 160 reduces the issuance amount of the NFT (for example, the monthly payment amount for the service) the higher the amount of the security deposit paid by the user. This allows the information processing device 100 to adjust the balance between the issuance amount of the value information and the amount of the security deposit.

<<Second Modification>>
Next, an information processing system 10 according to a second modified example will be described. The information processing system 10 according to the second modified example is a system that, when it is determined that digital currency equivalent to a deposit or the like cannot be returned to an issuer or a user from a deposit address or a security deposit receiving address, notifies a specific user that the digital currency cannot be returned.

Cases where return is not possible include cases where the issuer's address or the user's address becomes unusable, such as when the issuer defaults (defaults on its debt) or when the user is no longer able to use the private key.

Specifically, when the value information is electronic money, the return unit 150 acquires, for example, information from the issuer indicating that the address of the issuer is unusable. The return unit 150 transmits information indicating that the deposited amount cannot be returned to the issuer to a business (such as a trust bank) entrusted with the management of the private key corresponding to the address of the issuer.

More specifically, when the value information is an NFT, the return unit 150 acquires, for example, from the issuer or user, information indicating that the issuer's address or the user's address is unusable. The return unit 150 transmits information indicating that the security deposit cannot be returned to the issuer or user to the business operator entrusted with the management of the private key corresponding to the issuer's address or the user's address (hereinafter referred to as the "trustor").

In this case, based on the information indicating that the money cannot be returned, the trustor executes a smart contract using the private key of the issuer or user to transfer the deposit, etc. from the deposit address or the address for receiving the security deposit to the address of the specified user.

As a result, the information processing system according to the second variant enables refunds of deposits, etc., in the event that an issuer or user's address becomes unusable. In addition, users and issuers can safely manage and operate value information and digital currency.

<<Third Modification>>
First, an information processing system 10 according to a third modified example will be described. The information processing system 10 according to the third modified example is a system that enables a user to deposit an NFT issued to a user by an issuing company with a company that manages the NFT as collateral (hereinafter, referred to as a "collateral manager"), and grant a digital currency equivalent to the NFT from the collateral manager to the user. The collateral manager may be the issuing company or another company.

For example, based on a request from the user terminal 300, the remittance unit 140 executes a smart contract to lock up a specific NFT (hereinafter referred to as a "locked-up NFT") held by the user. Locking up refers to a setting that prevents the holder of an NFT from selling the NFT to another person. The remittance unit 140 then executes a smart contract to remit digital currency equivalent to the locked-up NFT from the collateral manager's address to the user's address. Here, the remittance unit 140, for example, refers to the margin management database D112 to identify the digital currency equivalent to the locked-up NFT.

The return unit 150 releases the lockup on the lockup NFT when digital currency equivalent to the lockup NFT is transferred (returned) from the user's address to the collateral manager's address.

An expiration date may be set for the lock-up NFT. In this case, if the expiration date passes without the digital currency being returned from the user to the collateral manager, a smart contract is executed to move the lock-up NFT from the user's address to the collateral manager's address. In this way, by applying the mechanism for managing value information and digital currency, a mechanism for lending digital currency corresponding to value information can be provided.

Issuer Device 200
The configuration of the issuer device 200 will be described. As shown in Fig. 1, the issuer device 200 includes, for example, an information transmitting/receiving unit 201 and a storage unit 202. The functions of these units are realized, for example, by using a storage area such as a memory 1002 shown in Fig. 7 or by a processor 1001 executing a program stored in the storage area.

The information transmission/reception unit 201 transmits and receives various information between the information processing device 100 and the user terminal 300. The information transmission/reception unit 201 transmits, for example, information regarding deposits, information for executing various smart contracts, information indicating that return conditions have been met, and the like, to the information processing device 100. The information transmission/reception unit 201 transmits and receives, for example, information regarding value information, information regarding the user, and the like, between the user terminal 300.

The memory unit 202 stores various information. The memory unit 202 may store, for example, a deposit management database D111 and a security deposit management database D112 stored in the memory unit 110 of the information processing device 100. In this case, the information processing device 100 may execute various processes by referring to the deposit management database D111 and the security deposit management database D112 in the memory unit 202.

===User Terminal 300===
The configuration of the user terminal 300 will be described. As shown in Fig. 1, the user terminal 300 includes, for example, an information transmitting/receiving unit 301 and a storage unit 302. The functions of these units are realized, for example, by using a storage area such as a memory 1002 shown in Fig. 7 or by a processor 1001 executing a program stored in the storage area.

The information transmission/reception unit 301, for example, transmits a request to issue value information to the issuer device 200. The information transmission/reception unit 301 may transmit, for example, information regarding the value information held by the information processing device 100 or the issuer device 200. The storage unit 302 stores various types of information.

===Processing Procedure===
The processing procedure of the information processing system 10 according to the present embodiment will be described with reference to Fig. 5 and Fig. 6. Fig. 5 is a flow diagram showing an example of a deposit management process in the information processing system 10. Fig. 6 is a flow diagram showing an example of a security deposit management process in the information processing system 10.

＜＜Deposit management processing＞＞

The deposit management process will be explained. In the following explanation, the issuer will be assumed to be the one issuing electronic money.

In step S100, the user terminal 300 sends a request to issue electronic money to the issuer device 200.

In step S101, the issuer device 200 issues electronic money to the user terminal 300 based on the issuance request. The issuer device 200 transmits information indicating the amount of the issued electronic money to the information processing device 100.

In step S102, the information processing device 100 refers to the deposit management database D111 and, based on the issued amount of electronic money, identifies the amount of the deposit that corresponds to the total issued amount of the electronic money.

In step S103, the information processing device 100 executes the first remittance contract and records in the blockchain a transaction to remit digital currency equivalent to the identified deposit amount from the issuer's address to the deposit address. Note that the issuer device 200 may execute the first remittance contract.

In step S104, the information processing device 100 refers to the deposit management database D111 and identifies the amount of the deposit that can be returned to the issuer if the return conditions are met. The information processing device 100 may obtain information indicating the return amount from the issuer device 200.

In step S105, the information processing device 100 executes the first return contract to record in the blockchain a transaction in which digital currency equivalent to the amount of the deposit refundable to the identified issuer is returned from the deposit address to the issuer's address. Note that the issuer device 200 may execute the first return contract.

This makes it possible to record transactions regarding deposits associated with the issuance of value information on the blockchain.

<<Deposit Management Processing>>
The margin management process will be described. In the following description, it is assumed that an issuer issues NFTs. It is also assumed that a user purchases NFTs and pays a margin using digital currency.

In step S200, the user terminal 300 transmits a request to issue value information to the issuer device 200.

In step S201, the issuer device 200 issues an NFT to the user terminal 300 based on the acquired issuance request.

In step S202, the information processing device 100 acquires information for identifying the amount of the security deposit from the issuer device 200 (at least one of information indicating the amount of the security deposit, information indicating the amount of the NFT to be issued, and information capable of identifying the NFT).

In step S203, the information processing device 100 determines the amount of the security deposit corresponding to the NFT based on the information acquired in step S202.

In step S204, the information processing device 100 executes the second remittance contract and records in the blockchain a transaction to remit digital currency equivalent to the identified amount of the security deposit from the user's address to the address for receiving the security deposit. Note that the issuer device 200 may execute the second remittance contract.

In step S205, if the return conditions are met based on the information acquired from the issuer device 200, the information processing device 100 executes the second return contract and records in the blockchain a transaction in which the digital currency equivalent to the security deposit is returned from the address for receiving the security deposit to the user's address. Note that the issuer device 200 may execute the second return contract.

This allows transactions related to the security deposit paid by the user to be recorded on the blockchain.

===Hardware Configuration===
7, an example of a hardware configuration in which the information processing device 100, the issuer device 200, and the user terminal 300 are realized by a computer 1000 will be described. Note that the various functions of the information processing device 100, the issuer device 200, and the user terminal 300 can be realized by dividing them into a plurality of devices.

FIG. 7 is a diagram showing an example of the hardware configuration of a computer. As shown in FIG. 7, the computer 1000 includes, for example, a processor 1001, a memory 1002, a storage device 1003, an input I/F unit 1004, a data I/F unit 1005, a communication I/F unit 1006, and a display unit 1007.

The processor 1001 is a control unit that controls various processes in the computer 1000 by executing programs stored in the memory 1002.

The memory 1002 is, for example, a storage medium such as a RAM (Random Access Memory). The memory 1002 temporarily stores the program code of the program executed by the processor 1001 and data required when the program is executed.

The storage device 1003 is, for example, a non-volatile storage medium such as a hard disk drive (HDD) or a flash memory. The storage device 1003 stores an operating system and various programs for implementing each of the above configurations.

The input I/F unit 1004 is a device for receiving input from a user. Specific examples of the input I/F unit 1004 include a keyboard, a mouse, a touch panel, various sensors, a wearable device, etc. The input I/F unit 1004 may be connected to the computer 1000 via an interface such as a USB (Universal Serial Bus).

The data I/F unit 1005 is a device for inputting data from outside the computer 1000. A specific example of the data I/F unit 1005 is a drive device for reading data stored in various storage media. The data I/F unit 1005 may be provided outside the computer 1000. In that case, the data I/F unit 1005 is connected to the computer 1000 via an interface such as a USB.

The communication I/F unit 1006 is a device for performing data communication via the Internet N, either wired or wirelessly, with devices external to the computer 1000. The communication I/F unit 1006 may be provided external to the computer 1000. In that case, the communication I/F unit 1006 is connected to the computer 1000 via an interface such as a USB.

The display unit 1007 is a device for displaying various types of information. Specific examples of the display unit 1007 include a liquid crystal display, an organic EL (Electro-Luminescence) display, a display of a wearable device, and the like. The display unit 1007 may be provided outside the computer 1000. In that case, the display unit 1007 is connected to the computer 1000 via, for example, a display cable. In addition, when a touch panel is used as the input I/F unit 1004, the display unit 1007 can be configured as an integral part of the input I/F unit 1004.

====Summary====
The information processing system 10 includes a remittance unit 140 that records, when value information is issued to a user by a business operator that issues value information indicating electronic value, a transaction of remitting digital currency equivalent to a deposit or security associated with the issuance of value information to a deposit address or a security deposit receiving address in the blockchain, and a return unit 150 that records, when a predetermined condition for the digital currency to be returned to the business operator or user is satisfied, a transaction of returning the digital currency to the business operator's address or the user's address in the blockchain. This enables the information processing system 10 to ensure the security of the management of the deposit and the like while realizing efficient management of the same.

The remittance unit 140 of the information processing system 10 records in the blockchain a transaction in which at least a portion of the amount related to the issuance of the value information is used as a security deposit and digital currency equivalent to the security deposit is remitted to an address for receiving the security deposit. This allows the information processing system 10 to omit the security deposit payment procedure by the user, thereby making the security deposit payment process more efficient.

In addition, the remittance unit 140 of the information processing system 10 records on the blockchain a transaction in which digital currency equivalent to the security deposit associated with the issuance of value information that is an NFT is remitted from the business's address or the user's address to the address for receiving the security deposit, and the return unit 150 records on the blockchain a transaction in which the security deposit is returned from the address for receiving the security deposit to the business's address or the user's address if the business approves that the NFT has been returned from the user's address to the business's address. This allows the information processing system 10 to realize a process for returning the security deposit under various conditions.

In addition, the return unit 150 of the information processing system 10 records in the blockchain a transaction in which the digital currency is returned to the business's address when the expiration date set in the value information corresponding to the deposit or security deposit has elapsed. This allows the information processing system 10 to realize a process for returning the security deposit under various conditions.

In addition, the information processing system 10 further includes an issuance amount calculation unit 160 that calculates the issuance amount, which is the amount related to the issuance of the value information, based on the amount of the security deposit associated with the issuance of the value information, which is an NFT, and the remittance unit 140 records in the blockchain a transaction in which digital currency equivalent to the security deposit is remitted to an address for receiving the security deposit when an NFT is issued to a user for the issuance amount. This allows the information processing system 10 to adjust the balance between the issuance amount of the value information and the amount of the security deposit.

In addition, if the return unit 150 of the information processing system 10 determines that the digital currency cannot be returned to the business operator, it notifies a business operator different from the business operator that the digital currency cannot be returned to the business operator. This enables the refund of deposits, etc., in the event that an event occurs in which the address of the issuing business operator or the user becomes unusable. The user and the issuing business operator can safely manage and operate the value information and the digital currency.

The above-described embodiments are intended to facilitate understanding of the present invention, and are not intended to limit the present invention. The elements of the embodiments, as well as their arrangement, materials, conditions, shapes, sizes, etc., are not limited to those exemplified, and may be modified as appropriate. Furthermore, configurations shown in different embodiments may be partially substituted or combined.

10... Information processing system, 100... Information processing device, 110... Storage unit, 120... Deposit identification unit, 130... Guarantee identification unit, 140... Remittance unit, 150... Return unit, 160... Issue amount calculation unit, 200... Issuer device, 300... User terminal

Claims (8)

a remittance unit that records a transaction in a blockchain for remittance of digital currency equivalent to a deposit or security deposit associated with issuance of the value information to a deposit address or a security deposit receiving address when the value information is issued to a user by an issuing business entity that issues the value information indicating electronic value;
a return unit that records a transaction for returning the digital currency to the address of the business operator or the address of the user in the blockchain when a predetermined condition for the digital currency to be returned to the business operator or the user is satisfied;
An information processing system comprising: the remittance unit records in the blockchain a transaction in which at least a portion of the amount related to the issuance of the value information is used as the security deposit, and the digital currency equivalent to the security deposit is remitted to the address for receiving the security deposit;
The information processing system according to claim 1 . The remittance unit records a transaction of remittance of digital currency equivalent to a security deposit associated with the issuance of the value information, which is an NFT, from the address of the business operator or the address of the user to an address for receiving the security deposit, in the blockchain;
When the return unit acquires information indicating the business's approval regarding the return of the NFT from the user's address to the business's address, the return unit records a transaction of returning the NFT from the security deposit receiving address to the business's address or the user's address in the blockchain.
The information processing system according to claim 1 . the return unit records, in the blockchain, a transaction for returning the digital currency to the address of the business operator when an expiration date set in the value information corresponding to the deposit or the security deposit has elapsed;
The information processing system according to claim 1 . The information processing system further includes an issuance amount calculation unit that calculates an issuance amount, which is an amount related to the issuance of the value information, based on an amount of the security deposit associated with the issuance of the value information which is an NFT;
When the NFT is issued to the user at the issue amount, the remittance unit records a transaction of remittance of the digital currency equivalent to the security deposit to an address for receiving the security deposit on the blockchain.
The information processing system according to claim 1 . When it is determined that the digital currency cannot be returned to the business operator, the return unit notifies a business operator different from the business operator that the digital currency cannot be returned to the business operator.
The information processing system according to claim 1 . The computer
When value information indicating electronic value is issued to a user by an issuing business operator, a transaction is recorded in a blockchain in which digital currency equivalent to a deposit or security associated with the issuance of the value information is transferred to a deposit address or a security deposit receiving address;
If a predetermined condition for the digital currency to be returned to the business or the user is satisfied, recording a transaction to return the digital currency to the address of the business or the address of the user on the blockchain;
An information processing method comprising: On the computer,
When value information indicating electronic value is issued to a user by an issuing business operator, a transaction is recorded in a blockchain in which digital currency equivalent to a deposit or security associated with the issuance of the value information is transferred to a deposit address or a security deposit receiving address;
If a predetermined condition for the digital currency to be returned to the business or the user is satisfied, recording a transaction to return the digital currency to the address of the business or the address of the user on the blockchain;
A program that executes the following.

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