JP7574987B2 - Debit service provision system using digital assets - Google Patents

Description

The present invention relates to a debit service provision system that uses digital assets constructed using distributed technologies such as blockchain and smart contracts.

Debit cards basically come in two types: J-Debit, which is a type of cash card issued by a bank or other financial institution with a debit function added, and a type of credit card issued by a credit company or other financial institution with a debit function added.
When a product is purchased with a debit card, the payment is immediately debited from the debit card user's (consumer's) account held at the linked financial institution, such as a bank.

However, traditionally, debit systems have not been able to use digital assets as settlement targets.
The inventors of this invention have considered and examined a system that allows digital assets such as gold coins managed in an account of a cryptocurrency exchange that is affiliated with a bank or other financial institution to be used for settlement when making payments with a debit card, and have derived a system that can provide various benefits not available with conventional debit systems.

The present invention was made in consideration of the above problems, and aims to provide a debit service provision system that uses digital assets, which allows instant settlement by holding digital assets, allows a variety of digital assets to be selected as the settlement object, allows instant settlement even if cash is insufficient to cover the settlement amount, facilitates settlement overseas, and allows settlement with advantageous assets depending on economic conditions and value fluctuations.

In order to achieve the above-mentioned object, the debit service provision system using digital assets according to the present invention is constructed with at least one type of distributed ledger in distributed technology such as blockchain for managing transactions between all forms of digital assets, such as tokens (a general term for value defined digitally in distributed technology such as blockchain), digital currency, tokens and digital currency, or between tokens or between digital currencies, and a smart contract for performing predetermined processing using the digital assets managed in the distributed ledger, and is a debit service provision system using digital assets, the system being equipped with a clearing priority asset selection designation reception function that receives from a debit card user (consumer) a selection designation of either cash deposited in a debit card user's (consumer's) account on the financial institution side, such as a bank, or digital asset tokens deposited in a debit card user's (consumer's) account on the cryptocurrency exchange side, as assets to be prioritized as assets to be cleared when making a payment with a debit card. and a cash conversion instruction means having a function of instructing the conversion of the digital asset tokens to cash for the amount required for liquidation when the liquidation priority asset selection designation receiving means accepts a selection designation of a digital asset token deposited in the debit card user (consumer) account of the crypto asset exchange company as an asset to be prioritized as a liquidation target, and a cash conversion means having a function of converting the digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchange company into cash for the amount required for liquidation when an instruction is received from the cash conversion instruction means , wherein the cash conversion means has a function of immediately converting the digital asset tokens deposited in the debit card user (consumer) account of the crypto asset exchange company into cash for the amount required for liquidation, and a function of locking the converted amount and transmitting a message to a system of a financial institution such as a bank to instruct the liquidation (transfer of the cash equivalent to the amount from the debit card user (consumer) account of the financial institution such as the bank to the seller (retailer, sales company) account of the financial institution such as the bank) .
In this specification, a "smart contract" is a program that automates processing and runs on distributed technology such as blockchain.

In addition, in the debit service provision system using digital assets of the present invention , it is preferable to further have a cash transfer means having a function of periodically transferring the cash for multiple payments locked by the cash conversion means in one lump sum to the debit card user's (consumer's) account at a financial institution such as a bank.

In addition, in the debit service provision system using digital assets of the present invention, it is preferable to further have a cash conversion necessity designation receiving means having a function of receiving a designation of whether or not the digital asset token needs to be converted into cash from the seller (retailer, sales company), and a cash conversion control means having a function of instructing the cryptocurrency exchange company's system to perform liquidation (transfer of the digital asset token for the amount of the payment from the debit card user's (consumer's) account on the cryptocurrency exchange company to the seller's (retailer, sales company's) account on the cryptocurrency exchange company) while controlling the cash conversion means not to convert the digital asset token deposited in the debit card user's (consumer's) account on the cryptocurrency exchange company to cash for the amount of the payment required for the liquidation of the digital asset token deposited in the debit card user's (consumer's) account on the cryptocurrency exchange company.

In addition, in the debit service provision system using digital assets of the present invention, the liquidation priority asset selection designation receiving means, when receiving a selection designation of a digital asset token deposited in the debit card user's (consumer's) account on the crypto asset exchange side as an asset to be prioritized as a liquidation target when settling with a debit card, further has a function of receiving from the debit card user (consumer) a designation of the order of the digital asset tokens to be prioritized as a liquidation target when settling with a debit card among the multiple digital asset tokens deposited in the debit card user's (consumer's) account on the crypto asset exchange side, the payment cash instruction means further has a function of instructing the liquidation of the digital asset tokens for the amount of the payment required for liquidation in accordance with the designation of the order of the digital asset tokens accepted by the liquidation priority asset selection designation receiving means, and the cash conversion means further has a function of converting the digital asset tokens deposited in the debit card user's (consumer's) account on the crypto asset exchange side into cash for the amount of the payment required for liquidation in accordance with the designation of the order of the digital asset tokens accepted by the liquidation priority asset selection designation receiving means.

In addition, in the debit service provision system using digital assets of the present invention, it is preferable to further have a transaction record reference means having a function that allows a customer (debit card user (consumer)) to refer to the transaction record (including the transaction amount and the corresponding rate when the digital asset token is converted into cash by the cash conversion means) in the case of payment with a debit card.

In addition, in the debit service provision system using digital assets of the present invention, the cash conversion instruction means further has a function of instructing the cash conversion of the amount of the shortfall when the cash deposited in the debit card user's (consumer's) account on the bank or other financial institution side does not meet the amount required for settlement when the liquidation priority asset selection designation acceptance means accepts a selection designation of cash deposited in the debit card user's (consumer's) account on the bank or other financial institution side as an asset to be prioritized as a liquidation target when making a payment with a debit card, the cash conversion means further has a function of automatically converting digital asset tokens of the amount of the shortfall deposited in the debit card user's (consumer's) account on the cryptocurrency exchange side into cash when the cash conversion instruction means receives an instruction to convert the amount of the shortfall into cash from the cash conversion instruction means, and the cash transfer means further has a function of transferring the shortfall cash converted by the cash conversion means to the debit card user's (consumer's) account on the bank or other financial institution side.

In addition, the debit service provision system using digital assets of the present invention has a cash/digital asset token liquidation ratio setting reception means having a function of receiving from a debit card user (consumer) a setting of a liquidation ratio between the cash deposited in the debit card user's (consumer's) account on the financial institution side such as a bank and the digital asset token deposited in the debit card user's (consumer's) account on the cryptocurrency exchange company with respect to the liquidation amount when making a payment with a debit card, and the payment cash instruction means sets the liquidation ratio between the cash deposited in the debit card user's (consumer's) account on the cryptocurrency exchange company with respect to the liquidation amount received by the cash/digital asset token liquidation ratio setting reception means. It is preferable that the cash conversion means further has a function of instructing the liquidation ratio of the deposited digital asset tokens to be converted into cash, and the cash conversion means further has a function of automatically converting the liquidation ratio of the digital asset tokens deposited in the debit card user's (consumer's) account on the cryptocurrency exchange side into cash, in relation to the liquidation amount accepted by the cash/digital asset token liquidation ratio setting acceptance means, when receiving an instruction to convert the liquidation ratio from the payment cash conversion instruction means, and the cash transfer means further has a function of transferring the cash for the liquidation ratio of the digital asset tokens converted by the cash conversion means to the debit card user's (consumer's) account on the financial institution side, such as a bank.

Furthermore, in the debit service provision system using digital assets of the present invention, it is preferable that the cashing instruction means further has a function of instructing the cashing of the digital asset token deposited in the debit card user's (consumer's) account on the cryptocurrency exchange company side in preference to the cash deposited in the debit card user's (consumer's) account on the financial institution side such as a bank, when the settlement amount at the time of payment by debit card is an extremely large amount equal to or greater than a predetermined amount.

In addition, in the debit service provision system using digital assets of the present invention, the liquidation priority asset selection designation receiving means, when it receives a selection designation of a digital asset token deposited in the debit card user's (consumer's) account on the crypto asset exchange company side as an asset to be prioritized as a liquidation target when making a payment with a debit card, further has a function of receiving a liquidation instruction in a specified crypto asset such as gold coins from the debit card user (consumer), and the cash conversion control means, when it receives a liquidation instruction in a specified crypto asset such as gold coins from the liquidation priority asset selection designation receiving means on the crypto asset exchange company side, preferably further has a function of instructing the crypto asset exchange company side system to liquidate (transfer the specified crypto asset such as gold coins in the amount of the liquidation amount from the debit card user's (consumer's) account on the crypto asset exchange company side to the seller's (retailer, sales company's) account on the crypto asset exchange company side) while controlling the cash conversion means not to convert the digital asset token deposited in the debit card user's (consumer's) account on the crypto asset exchange company side into cash in the amount of the liquidation amount.

In addition, in the debit service provision system using digital assets of the present invention, the liquidation priority asset selection designation acceptance means preferably has a function of accepting from the debit card user (consumer) a designation of the order of stable coins of each country deposited in the debit card user's (consumer's) account on the crypto asset exchange company side as assets to be prioritized as liquidation targets when making a payment with a debit card, and the cash conversion control means preferably has a function of instructing the crypto asset exchange company's system to liquidate (transfer the amount of stable coins of the specified country from the debit card user's (consumer's) account on the crypto asset exchange company side to the seller's (retailer, sales company's) account on the crypto asset exchange company side) while controlling the cash conversion means not to convert the amount of the digital asset tokens deposited in the debit card user's (consumer's) account on the crypto asset exchange company side into cash, when the liquidation priority asset selection designation acceptance means accepts a designation of a stable coin of a specified country as an asset to be prioritized as liquidation targets.

Furthermore, in the debit service provision system using digital assets of the present invention, the liquidation priority asset selection designation receiving means, when it receives a selection designation of a digital asset token deposited in the debit card user's (consumer's) account on the crypto asset exchange company side as an asset to be prioritized as a liquidation target when making a payment with a debit card, further has a function of receiving from the debit card user (consumer) a liquidation designation in a specified crypto asset (or tokens having characteristics similar thereto) such as _CO2 emission rights, and the cash conversion control means, when the liquidation priority asset selection designation receiving means receives a liquidation designation in a specified crypto asset such as _CO2 emission rights, controls the cash conversion means not to convert the digital asset token deposited in the debit card user's (consumer's) account on the crypto asset exchange company side into cash for the amount required for liquidation, while controlling the liquidation (transferring the amount of CO2 emission rights from the debit card user's (consumer's) account on the crypto asset exchange company side to a seller's (retailer, sales company's) account on the crypto asset exchange company side to a seller's (retailer, sales company's) account on the crypto asset exchange company side to a cash conversion amount equivalent to the amount required for liquidation) to the system on the crypto asset exchange company side. It is preferable that the cryptocurrency further has a function of instructing the transfer of specified _crypto assets (or tokens having similar characteristics) such as emission rights.

In addition, in the debit service provision system using digital assets of the present invention, the liquidation priority asset selection designation receiving means further has a function of receiving from the debit card user (consumer) a designation of the priority of assets to be liquidated when making a payment with a debit card, among the multiple different types of assets (points, digital currency, stable coins, stable commodities) deposited in the debit card user's (consumer's) account on the cryptocurrency exchange business side, the payment cash instruction means further has a function of instructing the liquidation of the amount of assets required for liquidation in accordance with the designation of the priority of assets of the multiple different types received by the liquidation priority asset selection designation receiving means, and the cash conversion means further has a function of converting the assets deposited in the debit card user's (consumer's) account on the cryptocurrency exchange business side into cash for the amount of the liquidation required, in accordance with the designation of the priority of assets of the multiple different types received by the liquidation priority asset selection designation receiving means.

The present invention provides a debit service provision system that uses digital assets, which allows instant settlement by holding digital assets, allows a variety of digital assets to be selected as settlement targets, allows instant settlement even if cash is insufficient to cover the settlement amount, facilitates settlement overseas, and allows settlement with assets that are advantageous depending on economic conditions and value fluctuations.

FIG. 1 is a block diagram conceptually illustrating the configuration of a debit service providing system using digital assets according to one embodiment of the present invention. 2 is an explanatory diagram conceptually showing the configuration and function of a liquidation priority asset selection designation receiving means in the debit service providing system using digital assets in FIG. 1. 3 is an explanatory diagram conceptually illustrating an example of a selection designation input reception screen functioning as the liquidation target priority asset selection designation reception means of FIG. 2. 2 is an explanatory diagram conceptually showing the configuration and function of a cash conversion instruction means in the debit service providing system using digital assets in FIG. 1. 2 is an explanatory diagram conceptually showing the configuration and function of a cash conversion means in the debit service providing system using digital assets in FIG. 1. 2 is an explanatory diagram conceptually showing the configuration and function of a cash transfer means in the debit service providing system using digital assets in FIG. 1. 2 is an explanatory diagram conceptually showing the configuration and function of a cash conversion necessity designation receiving means in the debit service providing system using digital assets in FIG. 1. 2 is an explanatory diagram conceptually showing the configuration and function of a cash conversion control means in the debit service providing system using digital assets in FIG. 1. 2 is an explanatory diagram conceptually showing the configuration and function of a transaction record reference means in the debit service provision system using digital assets in FIG. 1. FIG. 2 is an explanatory diagram conceptually showing the configuration and function of the cash/digital asset token liquidation ratio setting reception means in the debit service provision system using digital assets in FIG. 1, where (a) is a block diagram and (b) is a diagram conceptually showing an example of a functioning liquidation ratio setting reception screen. FIG. 2 is an explanatory diagram of the process of selecting and designating assets to be prioritized as settlement targets when a debit card user (consumer) makes a payment using the debit service provision system using digital assets in FIG. 1, and setting the cash/digital asset token settlement ratio. FIG. 2 is an explanatory diagram of a process for designating whether or not a digital asset needs to be converted into cash by a seller (a sales store, a sales company) using the debit service providing system using digital assets in FIG. 1. FIG. 2 is an explanatory diagram showing one aspect of the flow of a settlement process using the debit service providing system using digital assets of FIG. 1. FIG. 2 is an explanatory diagram showing another aspect of the flow of settlement processing using the debit service providing system using digital assets of FIG. 1. FIG. 2 is an explanatory diagram showing yet another aspect of the flow of settlement processing using the debit service providing system using digital assets of FIG. 1. FIG. 2 is an explanatory diagram showing yet another aspect of the flow of settlement processing using the debit service providing system using digital assets of FIG. 1. FIG. 2 is an explanatory diagram showing yet another aspect of the flow of settlement processing using the debit service providing system using digital assets of FIG. 1. FIG. 2 is an explanatory diagram showing yet another aspect of the flow of settlement processing using the debit service providing system using digital assets of FIG. 1. FIG. 2 is an explanatory diagram showing yet another aspect of the flow of settlement processing using the debit service providing system using digital assets of FIG. 1. FIG. 2 is an explanatory diagram showing yet another aspect of the flow of settlement processing using the debit service providing system using digital assets of FIG. 1. FIG. 2 is an explanatory diagram showing yet another aspect of the flow of settlement processing using the debit service providing system using digital assets of FIG. 1.

Before describing the embodiments, we will explain how the invention was developed and the effects of the invention.

(1) Consideration and review of the use of digital asset tokens in debit services Debit cards basically come in two types: J-Debit, which is a type of cash card issued by a bank or other financial institution with a debit function added, and a type of credit card issued by a credit company or other financial institution with a debit function added.
When a product is purchased with a debit card, the payment is immediately debited from the debit card user's (consumer's) account held at the linked financial institution, such as a bank.
However, until now, there have been no debit cards that allow digital assets to be used for payment.

The inventors of this case have been considering and examining from various perspectives the construction of systems for trading digital assets using distributed technologies such as blockchain and smart contracts.

The inventors therefore carried out the following study and investigation to build a debit system that would enable the use of digital asset tokens such as gold coins managed in accounts of cryptocurrency exchanges affiliated with financial institutions such as banks for settlement of payments made with debit cards.

When considering and examining the construction of a debit system, we envisioned a system connection between financial institutions such as banks and cryptocurrency exchanges, with both accounts essentially linking the same person (systematically recording the account number of one account in the account of the other).

(1-1) Selection and designation of assets to be prioritized as the object of settlement at the time of settlement The inventors of the present invention have conceived of a debit system in which digital asset tokens can be used for settlement, whereby debit card users (consumers) can select and designate either cash or digital asset tokens deposited in their accounts as the asset to be prioritized as the object of settlement at the time of settlement with a debit card.

The previous payment method using digital asset tokens involved a seller (retailer, sales company) having an account with a cryptocurrency exchange, and when a customer (consumer) paid the purchase price in digital asset tokens to the seller's (retailer, sales company) account on the cryptocurrency exchange, the paid digital asset tokens were instantly converted into cash, etc.

In the debit card payment method in the debit system considered and examined by the present inventor, when a debit card user (consumer) uses a debit card to settle a purchase price with a seller (retailer, sales company), the debit card user (consumer) can select and specify either cash deposited in the debit card user's (consumer's) account on the financial institution side such as a bank, or digital asset tokens deposited in the debit card user's (consumer's) account on the cryptocurrency exchange side as the asset to be prioritized for liquidation. Then, when the debit card user (consumer) selects and specifies digital asset tokens as the asset to be prioritized for liquidation, if the debit card user (consumer) already has an account (and digital asset tokens) on the cryptocurrency exchange side, the digital asset tokens deposited in the debit card user's (consumer's) account on the cryptocurrency exchange side are immediately converted to cash or the like and liquidated.

(1-2) Designation of whether or not digital asset tokens should be converted into cash The inventors also considered making it possible for sellers (retailers, sales companies) to designate whether or not digital asset tokens should be converted into cash. In addition, when a debit card user (consumer) selects and designates digital asset tokens as assets to be prioritized for liquidation, if the seller (retailer, sales company) designates that digital asset tokens do not need to be converted into cash, the inventors considered making it possible for the digital asset tokens deposited by the debit card user (consumer) in the debit card user's (consumer's) account on the cryptocurrency exchange to be used for liquidation as is without being converted into cash.

(1-3) Designation of the order of issues of digital asset tokens to be prioritized for liquidation Also, some debit card users (consumers) may deposit multiple issues of digital asset tokens in their accounts at cryptocurrency exchanges. For this reason, the inventors of the present invention have conceived of enabling debit card users (consumers) to designate the order of issues of digital asset tokens to be prioritized for liquidation within a liquidation processing service screen linked to the debit card user's (consumer's) account at a financial institution such as a bank.

(1-4) Processing when digital asset tokens are given priority as the settlement target in settlement The inventors of the present invention have devised a system for a financial institution such as a bank to send a cashing instruction for the amount required for settlement to the cryptocurrency exchange company's system when a digital asset token is given priority as the settlement target in settlement by debit card. The cryptocurrency exchange company's system, upon receiving a cashing instruction from the system of a financial institution such as a bank, immediately cashes the digital asset tokens at the settlement price (crossing streaming rate that can be traded in units of 1 yen), locks the cashed amount, and sends a message to the system of the financial institution such as a bank to instruct settlement (transfer of the amount from the debit card user (consumer) account of the financial institution such as a bank to the seller (retailer, sales company) account of the financial institution such as a bank).
The locked amount of cash may be immediately transferred as digital currency to the debit card user's (consumer's) account at a financial institution such as a bank, but preferably, in order to streamline the transaction volume, it is considered to be transferred in a single transaction at the change of days, such as daily.

(1-5) Access to transaction records The inventors also considered making the transaction records (including the transaction volume and the corresponding rate when the digital asset token is converted into cash) available for access by customers (e.g., debit card users (consumers)).

(2) Consideration and examination of applications of a debit system utilizing digital asset tokens . In addition, in light of the possibility that the low interest rate era will continue for a long time, the inventors have considered and examined applications of a debit system utilizing digital asset tokens, with the aim of enabling users to manage their assets as advantageously as possible.

(2-1) Selection of assets to be prioritized as assets to be liquidated when the cash deposited in the account of a debit card user (consumer) on the bank or other financial institution side meets the amount required for liquidation, setting the liquidation ratio of assets to be liquidated relative to the liquidation amount, and setting the assets to be liquidated in the case of extremely large liquidations.In the debit system considered and examined by the present inventor, when a debit card user (consumer) selects and designates cash deposited in the debit card user's (consumer's) account on the bank side as the asset to be prioritized as assets to be liquidated in a payment by debit card, the asset is liquidated from the deposit in the debit card user's (consumer's) account on the linked bank or other financial institution side. In this case, assuming that an agreement is concluded between an individual (debit card user (consumer)) and a bank, the account is linked to the debit card user's (consumer's) account on the cryptocurrency exchange service provider's side, which serves as an affiliated account. For example, when the deposit in the debit card user's (consumer's) account on the bank or other financial institution's side does not meet the amount required for settlement, the digital asset tokens deposited in the debit card user's (consumer's) account on the cryptocurrency exchange service provider's side are automatically converted into cash, and the shortfall in cash is transferred to the debit card user's (consumer's) account on the bank or other financial institution's side, thereby settling the amount.

The inventors of the present invention have further considered applying the above-mentioned debit system to enable a debit card user (consumer) to specify the digital asset tokens deposited in the debit card user's (consumer's) account at the cryptocurrency exchange service provider as the asset to be prioritized for settlement even if the cash deposited in the debit card user's (consumer's) account at the bank or other financial institution exceeds the amount required for settlement. In addition, it has been possible to set a settlement ratio between the deposit in the debit card user's (consumer's) account at the bank or other financial institution and the digital asset tokens deposited in the debit card user's (consumer's) account at the cryptocurrency exchange service provider in relation to the settlement amount, and to prioritize settlement using the digital asset tokens deposited in the debit card user's (consumer's) account at the cryptocurrency exchange service provider in the case of an extremely large settlement amount.
The minimum amount for ultra-large settlements is 2 to 3 million yen, with a possible maximum of 5 million yen or more. For such ultra-large amounts, there is no spread (fee) when converting digital assets into cash. This is thought to be a significant advantage for debit card users (consumers) who make ultra-large settlements in terms of the costs associated with settlements.

(2-2) Designation of gold coins and stable currencies of each country as the target of settlement The inventor of the present invention has also considered expanding and improving the debit function to allow the debit card user (consumer) to designate crypto assets designated by the debit card user (consumer), such as gold coins, as digital asset tokens deposited in the debit card user's (consumer's) account on the crypto asset exchange business side, as the target of settlement, instead of settlement with cash such as yen. In that case, settlement information is passed to the crypto asset exchange business, and the digital asset tokens such as gold coins deposited in the debit card user's (consumer's) account on the crypto asset exchange business side are used as they are to settle without cashing out. Gold coins and the like are considered to be effective when performing debit settlement overseas, etc.

Furthermore, the inventors have devised a system that allows debit card user (consumer) accounts on the cryptocurrency exchange side to manage digital currency, handle and manage stable coins of other countries, such as stable US dollars and stable euros, in addition to stable yen, and allow stable coins of other countries to be designated as liquidation targets and used for liquidation.

(2-3) Application of CO2 emission rights crypto-assets _as digital assets that can be liquidated in a debit system The inventors also considered managing digital assets primarily in CO2 emission rights crypto-assets (or tokens with _similar characteristics), which are expected to be able to deal with inflation in the event of a strong inflationary trend in the future, and making it possible to designate these _CO2 emission rights crypto-assets as liquidation targets for payments made with debit cards, like gold coins.

(3) Consideration and examination of the use of digital asset tokens in payment services provided by financial institutions such as credit companies Next, the inventors considered and examined the use of digital asset tokens in payment services provided by financial institutions such as credit companies .

(3-1) Types of payment services provided by credit card companies and other financial institutions Payment services provided by credit card companies and other financial institutions include credit cards and credit debit cards (VISA debit, JCB debit), which are credit cards with a debit function added.
If payment is made by credit card, the transaction will be settled after a specified period of time (for example, one month or more) has passed, whereas if payment is made by credit debit, the transaction will be settled immediately using the debit function added to the credit card.
Basically, with credit debit, the debit card user's (consumer's) account at a bank or other financial institution is debited each time a payment is made, so it is expected that the fees for affiliated stores will be high, and payments will be correspondingly large small amounts, which will place a large burden on affiliated stores and ultimately limit the number of affiliated stores.
Debit processing includes the above-mentioned J-Debit, which is a type of debit function added to a cash card of a financial institution such as a bank, and credit debit, which is a type of credit card of a financial institution such as a credit company. In these debit processing, the price (or the digital assets equivalent thereto) is immediately withdrawn from the account of the debit card user (consumer) at the financial institution (bank or cryptocurrency exchange where assets are deposited and payment is permitted) designated by the debit card user (consumer) each time a payment is made.
However, since the fee for each account settlement process is high, it is disadvantageous for settlements of very small amounts (for example, less than a few thousand yen) because the proportion of the fee becomes large.
On the other hand, it is considered to be an efficient payment method for large amount payments (e.g., over 100,000 yen).
For example, if the processing fee per transaction is 100 yen, a transaction for a 1,000 yen purchase would be considered inefficient as a 10% fee would be charged, but a transaction for a 100,000 yen purchase would only require a fee of 0.1%.
Therefore, we believe that a fee range of approximately 1% or less is the payment area in which this service can be used efficiently.

(3-2) Current Status of Payment Services In recent years, various new payment methods have emerged, payment fees have fallen dramatically, the time until settlement has been shortened, and there is a trend toward an increase in prepaid payment services that are favorable to sellers (retailers, sales companies).
Prepaid payment services are disadvantageous for users (debit card users (consumers)) in that they are not postpaid, but many of them offer reward services such as points and have the advantage that they can be used without linking to a bank account. As a result, the range of users is expanding and their market share is growing.

(4) Consideration and Examination of the Relationship Between Credit Debit and Multiple Settlements The inventors of the present invention further considered and examined the relationship between credit debit and multiple settlements.

(4-1) Types that use digital assets for settlement In the debit systems considered and examined by the inventors of the present invention, there are basically two types that use digital assets for settlement:

(4-1-1) This type extends the logic of conventional debit (instant payment) and, in addition to utilizing the currency management of financial institutions such as banks, when a customer deposits digital assets in a debit card user (consumer) account of a cryptocurrency exchange operator, the necessary amount is converted into currency for settlement at the time of payment. In this type, when a seller such as a retailer or sales company wishes to receive the digital assets in cash, if the customer holds the digital assets, a processing means with a smart contract or similar function will convert the necessary amount from the digital assets in the address into cash according to the rate distributed at the time of payment, and use this for settlement.
In the case of real-time settlement, the required amount of assets must be confirmed on the spot, and if the assets are not currency, real-time asset conversion must be performed.
In other words, with J-Debit or credit debit, it is possible to specify the debit account or smart contract address of a cryptocurrency exchange service provider other than a bank or other financial institution, and the fee for use can be debited from the specified account or address.

(4-1-2) Type of digital barter for regular real-time payment This type allows payment between a customer (purchaser) and a store (seller) to be made with a digital asset (e.g. gold coins) specified by the purchaser.
In this type, the merchant is paid the digital assets for the payment immediately (the currency of the payment is converted into the payment amount in digital assets based on the delivery rate), but if the merchant wishes to convert the digital assets into currency, the merchant can convert the digital assets into currency according to the delivery rate through a smart contract or processing means with similar functionality.

(4-2) Multiple Settlements In multiple settlements, various assets (points, digital currencies, stable coins, commodity stable coins) will basically be processed according to the desired priority order of settlement.

In this way, the inventors of the present invention have considered and investigated the possibility of building a system that uses distributed technologies such as blockchain and smart contracts to use digital assets as the subject of settlement, and have come up with the debit service provision system of the present invention that uses digital assets.

The debit service provision system using digital assets of the present invention is constructed with at least one distributed ledger in distributed technology such as blockchain for managing transactions between all forms of digital assets, such as tokens (a general term for value defined digitally in distributed technology such as blockchain), digital currency, tokens and digital currency, or between tokens or between digital currencies, and a smart contract for performing predetermined processing using the digital assets managed in the distributed ledger. The debit service provision system using digital assets is constructed with at least one distributed ledger in distributed technology such as blockchain for managing transactions between all forms of digital assets, such as tokens (a general term for value defined digitally in distributed technology such as blockchain), digital currency, tokens and digital currency, or between tokens or between digital currencies, and a smart contract for performing predetermined processing using the digital assets managed in the distributed ledger. In the debit service provision system, the assets to be prioritized as the object of settlement when making a payment with a debit card include cash deposited in the account of a debit card user (consumer) on the financial institution side, such as a bank, and the debit card user's (consumer's) account on the cryptocurrency exchange side. The system is configured to include: a liquidation priority asset selection designation receiving means having a function of receiving from a debit card user (consumer) a selection designation of one of the digital asset tokens deposited in the (consumer) account; a payment encashment instruction means having a function of instructing the conversion of the digital asset tokens to cash in the amount of the payment required for liquidation when the liquidation priority asset selection designation receiving means receives a selection designation of the digital asset tokens deposited in the debit card user's (consumer's) account on the cryptocurrency exchange side as an asset to be prioritized as a liquidation target; and a cash conversion means having a function of converting the digital asset tokens deposited in the debit card user's (consumer's) account on the cryptocurrency exchange side into cash in the amount of the payment required for liquidation when an instruction is received from the payment encashment instruction means.

As in the debit service provision system using digital assets of the present invention, a liquidation priority asset selection designation receiving means has a function of receiving from a debit card user (consumer) a selection designation of either cash deposited in the debit card user's (consumer's) account on the side of a financial institution such as a bank, or digital asset tokens deposited in the debit card user's (consumer's) account on the side of a cryptocurrency exchanger as assets to be prioritized as assets to be liquidated when making a payment with a debit card, and a liquidation priority asset selection designation receiving means receives from the debit card user (consumer) a selection designation of either cash deposited in the debit card user's (consumer's) account on the side of a cryptocurrency exchanger as assets to be prioritized as assets to be liquidated, and If the cryptocurrency exchange has a payment encashment instruction means that has a function of instructing the conversion of the digital asset tokens to cash in the amount of the payment required for settlement when a selection designation of the digital asset tokens held in the cryptocurrency exchange is received, and a cash conversion means that has a function of converting the digital asset tokens deposited in the debit card user's (consumer's) account on the cryptocurrency exchange into cash in the amount of the payment required for settlement when an instruction is received from the payment encashment instruction means, the debit card user (consumer) can make an immediate payment using the debit card by holding digital assets, and can select between cash and digital assets as the settlement object. This makes it possible to make debit cards easier to use.

In addition, in the debit service provision system using digital assets of the present invention , the cash conversion means has a function of instantly converting the amount into cash at the settlement price (the crossing streaming rate which allows transactions in units of 1 yen) and a function of locking the converted amount and sending a message to the bank or other financial institution's system instructing settlement (transfer of the amount in cash from the debit card user's (consumer's) account on the bank or other financial institution's side to the seller's (retailer, sales company's) account on the bank or other financial institution's side), and preferably further has a cash transfer means having a function of periodically transferring the amount in cash for multiple items locked by the cash conversion means in a lump sum to the debit card user's (consumer's) account on the bank or other financial institution's side.
In this way, even while using digital assets as the settlement object, it is possible to secure the settlement amount in cash and to withdraw from a bank account in the same way as with a conventional debit system. Also, if the system is configured so that cash for multiple payments is periodically transferred in a lump sum to the debit card user (consumer) account on the financial institution side such as a bank, it is possible to streamline the transaction volume.

In addition, the debit service provision system using digital assets of the present invention preferably further comprises a cash conversion necessity designation receiving means having a function of receiving a designation from a seller (retailer, sales company) as to whether or not a digital asset token should be converted into cash, and when the liquidation priority asset selection designation receiving means receives a selection designation of a digital asset token deposited in the debit card user's (consumer's) account on the crypto asset exchange company side as an asset to be prioritized as a liquidation target when making a payment with a debit card, and when the cash conversion necessity designation receiving means receives a designation that the digital asset token does not need to be converted into cash, the cash conversion means controls the conversion of the digital asset token deposited in the debit card user's (consumer's) account on the crypto asset exchange company side into cash for the amount required for liquidation, while instructing the crypto asset exchange company side system to liquidate (transfer of the digital asset token for the amount from the debit card user's (consumer's) account on the crypto asset exchange company side to the seller's (retailer, sales company's) account on the crypto asset exchange company side).
In this way, sellers (retailers, sales companies) can choose digital assets, in addition to cash, as assets eligible for payment, making it possible to hold assets in a variety of forms to deal with fluctuations in the economy and values.

In addition, the debit service provision system using digital assets of the present invention is preferably configured such that, when the liquidation priority asset selection designation receiving means receives a selection designation of a digital asset token deposited in the debit card user's (consumer's) account on the crypto asset exchange side as an asset to be prioritized as a liquidation target when settling with a debit card, the liquidation priority asset selection designation receiving means further has a function of receiving from the debit card user (consumer) a designation of the priority of the digital asset token brands to be prioritized as a liquidation target when settling with a debit card among the multiple digital asset token brands deposited in the debit card user's (consumer's) account on the crypto asset exchange side, the payment cash instruction means further has a function of instructing the liquidation of the digital asset tokens in an amount equivalent to the payment required for liquidation in accordance with the designation of the priority of the digital asset token brands received by the liquidation priority asset selection designation receiving means, and the cash conversion means further has a function of converting the digital asset tokens deposited in the debit card user's (consumer's) account on the crypto asset exchange side into cash in an amount equivalent to the payment required for liquidation in accordance with the designation of the priority of the digital asset token brands received by the liquidation priority asset selection designation receiving means.
In this way, when a debit card user (consumer) holds multiple digital assets in an account with a cryptocurrency exchange, the digital assets with the most favorable issues can be liquidated according to economic conditions and fluctuations in value, making it easier to use debit cards.

In addition, the debit service provision system using digital assets of the present invention is preferably further configured to have a transaction record reference means having a function that allows a customer (debit card user (consumer)) to refer to the transaction record (including the transaction amount and the corresponding rate when the digital asset token is converted into cash by the cash conversion means) in the case of payment with a debit card.
In this way, when a debit card user (consumer) selects digital assets as the object of settlement, it becomes possible to easily confirm the rate at the time of conversion from digital assets to cash, and the current amount of deposited digital assets resulting from the use of digital assets for settlement.

In addition, in the debit service provision system using digital assets of the present invention, preferably, the cash conversion instruction means further has a function of instructing the cash conversion of the amount of the shortfall when the cash deposited in the debit card user's (consumer's) account on the bank or other financial institution side does not meet the amount required for settlement when the liquidation priority asset selection designation receiving means accepts a selection designation of cash deposited in the debit card user's (consumer's) account on the bank or other financial institution side as an asset to be prioritized as a liquidation target when making a payment with a debit card, the cash conversion means further has a function of automatically converting digital asset tokens of the amount of the shortfall deposited in the debit card user's (consumer's) account on the cryptocurrency exchange side into cash when the cash conversion instruction means receives an instruction to convert the amount of the shortfall into cash from the cash conversion instruction means, and the cash transfer means further has a function of transferring the shortfall cash converted by the cash conversion means to the debit card user's (consumer's) account on the bank or other financial institution side.
In this way, even if the cash deposited in a debit card user's (consumer's) account at a bank or other financial institution does not meet the amount required for settlement, it is possible to settle the transaction immediately using a debit card by holding digital assets.

In addition, the debit service provision system using digital assets of the present invention preferably has a cash/digital asset token liquidation ratio setting reception means having a function of receiving from a debit card user (consumer) a setting of a liquidation ratio between the cash deposited in the debit card user's (consumer's) account on the financial institution side such as a bank and the digital asset token deposited in the debit card user's (consumer's) account on the cryptocurrency exchange company side with respect to the liquidation amount when making a payment with a debit card, and the cash conversion instruction means is configured to instruct the debit card user (consumer) on the cryptocurrency exchange company side to set a liquidation ratio for the liquidation amount received by the cash/digital asset token liquidation ratio setting reception means. The cash conversion means further has a function of instructing the conversion of the digital asset tokens deposited in the account to a liquidation ratio, and when the cash conversion means receives an instruction to convert the digital asset tokens deposited in the account of the debit card user (consumer) on the cryptocurrency exchange side into cash, the cash conversion means further has a function of automatically converting the digital asset tokens deposited in the account of the debit card user (consumer) on the cryptocurrency exchange side into cash in an amount equivalent to the liquidation ratio of the digital asset tokens converted by the cash conversion means to an account of the debit card user (consumer) on the financial institution side, such as a bank, when the cash conversion means receives an instruction to convert the digital asset tokens to a liquidation ratio from the payment cash conversion means.
In this way, the ratio of assets can be adjusted and liquidated to be more advantageous in response to fluctuations in the value of cash and digital assets held by the debit card user (consumer), and assets can be held more advantageously. This makes it possible to make debit cards even easier to use.

In addition, in the debit service provision system using digital assets of the present invention, preferably, the cash conversion instruction means further has a function of instructing the cash conversion of the digital asset token deposited in the debit card user's (consumer's) account on the cryptocurrency exchange company side in priority to the cash deposited in the debit card user's (consumer's) account on the financial institution side such as a bank when the settlement amount when paying with a debit card is extremely high, above a predetermined amount.
If settlement using digital asset tokens is prioritized in such cases of extremely large amounts, there will be no spread (fee) charged when converting digital assets into cash in such cases, making it possible to significantly reduce the cost burden associated with settlement for debit card users (consumers) of extremely large amounts.

In addition, in the debit service provision system using digital assets of the present invention, preferably, the liquidation priority asset selection designation receiving means has a function of, when it receives a selection designation of a digital asset token deposited in the debit card user's (consumer's) account on the crypto asset exchange company side as an asset to be prioritized as a liquidation target when making a payment with a debit card, further receiving a liquidation instruction in a specified crypto asset such as gold coins from the debit card user (consumer), and the cash conversion control means further has a function of, when the liquidation priority asset selection designation receiving means receives a liquidation instruction in a specified crypto asset such as gold coins, instructing the crypto asset exchange company's system to liquidate (transfer the specified crypto asset such as gold coins in the amount of the payment from the debit card user's (consumer's) account on the crypto asset exchange company side to the seller's (retailer, sales company's) account on the crypto asset exchange company side) while controlling the cash conversion means not to convert the digital asset token deposited in the debit card user's (consumer's) account on the crypto asset exchange company side into cash in the amount of the payment required for liquidation.
This will make it easier to settle payments overseas using debit cards.

In addition, in the debit service provision system using digital assets of the present invention, preferably, the liquidation priority asset selection designation receiving means further has a function of receiving from the debit card user (consumer) a designation of the priority of stable coins of various countries deposited in the debit card user's (consumer's) account on the crypto asset exchange company side as assets to be prioritized as liquidation targets when making payments with a debit card, and the cash conversion control means further has a function of instructing the crypto asset exchange company's system to liquidate (transfer stable coins of a specified country worth the price from the debit card user's (consumer's) account on the crypto asset exchange company side to the seller's (retailer, sales company's) account on the crypto asset exchange company side) when the liquidation priority asset selection designation receiving means accepts a designation of a stable coin of a specified country as an asset to be prioritized as liquidation target.
This will make it easier to settle payments overseas using debit cards.

Furthermore, in the debit service provision system using digital assets of the present invention, preferably, the liquidation priority asset selection designation receiving means, when it receives a selection designation of a digital asset token deposited in the debit card user's (consumer's) account on the crypto asset exchange company side as an asset to be prioritized as a liquidation target when making a payment with a debit card, further has a function of receiving from the debit card user (consumer) a liquidation designation in a specified crypto asset such as _CO2 emission rights, and the cash conversion control means, when the liquidation priority asset selection designation receiving means receives a liquidation designation in a specified crypto asset such as _CO2 emission rights (or tokens having characteristics similar thereto), controls the cash conversion means not to convert the digital asset token deposited in the debit card user's (consumer's) account on the crypto asset exchange company side into cash for the amount required for liquidation, while performing liquidation (transferring the amount of CO2 emission rights from the debit card user's (consumer's) account on the crypto asset exchange company side to a seller's (retailer, sales company's) account on the crypto asset exchange company side) to a cash for the amount required for liquidation. _2. It is further configured to have a function of instructing the movement of specified crypto assets (or tokens with similar characteristics) such as emission rights.
This will make it easier to deal with any future inflationary trends that may arise.

In addition, in the debit service provision system using digital assets of the present invention, preferably, the liquidation priority asset selection designation receiving means further has a function of receiving from the debit card user (consumer) a designation of the priority of assets to be prioritized as liquidation targets when making a payment with a debit card, for multiple different types of assets (points, digital currency, stable coins, commodity stable coins) deposited in the debit card user's (consumer's) account on the crypto asset exchange company side, the cash conversion instruction means further has a function of instructing the conversion of assets in the amount of the liquidation required for liquidation in accordance with the designation of the priority of assets of multiple different types accepted by the liquidation priority asset selection designation receiving means, and the cash conversion means further has a function of converting the assets deposited in the debit card user's (consumer's) account on the crypto asset exchange company side into cash in the amount of the liquidation required for liquidation in accordance with the designation of the priority of assets of multiple different types accepted by the liquidation priority asset selection designation receiving means.
In this way, debit card users (consumers) can settle payments with a variety of assets, making it even easier to use debit cards.

Therefore, according to the present invention, a debit service provision system using digital assets can be obtained, which allows instant settlement by holding digital assets, allows a variety of digital assets to be selected as the object of settlement, allows instant settlement even if cash is insufficient to cover the settlement amount, facilitates settlement overseas, and allows settlement with advantageous assets depending on economic conditions and value fluctuations.

Hereinafter, an embodiment of the present invention will be described with reference to the drawings as appropriate.
FIG. 1 is a block diagram conceptually showing the configuration of a debit service providing system using digital assets according to one embodiment of the present invention.
The debit service provision system 1 using digital assets of this embodiment is a system constructed with at least one type of distributed ledger in distributed technology such as blockchain for managing transactions between all types of digital assets, such as tokens (a general term for values defined digitally in distributed technology such as blockchain), digital currency, tokens and digital currency, or between tokens or between digital currencies, and a smart contract for performing predetermined processing using the digital assets managed in the distributed ledger. For example, as shown in FIG. 1, the system is configured to include a liquidation priority asset selection designation acceptance means 11, a payment cashing instruction means 12, a cash conversion means 13, a cash transfer means 14, a cash conversion necessity designation acceptance means 15, a cash conversion control means 16, a transaction record reference means 17, and a cash/digital asset token liquidation ratio setting acceptance means 18.
In addition, in the debit service provision system 1 using digital assets of this embodiment, an ID entered via an input means (not shown) having a screen display unit and an input unit of a computer terminal or other electronic device such as a mobile information terminal automatically undergoes identity verification processing using the My Number for individuals and the Corporate Number for corporations, and each of the above smart contracts performs processing on the approved ID.
In addition, the debit service providing system 1 using digital assets of this embodiment is connected to debit systems (not shown) that have been established in the past, such as a financial institution 70 such as a bank, and a financial institution 90 such as a credit company.

Liquidation target priority asset selection designation receiving means 11
The liquidation priority asset selection designation receiving means 11 is configured to have the following functions, as shown in Figures 2 and 3, for example, via an input means (not shown) having a screen display unit and an input unit of a computer terminal or other electronic device such as a mobile information terminal.
(11-1) A function for accepting, from a debit card user (consumer) 50, a selection designation of either cash deposited in the debit card user's (consumer's) account on the side of a financial institution 70 such as a bank, or digital asset tokens deposited in the debit card user's (consumer's) account on the side of a cryptocurrency exchange service provider 80, as assets to be prioritized for settlement when making a payment with a debit card.
In addition, the liquidation priority asset selection specification receiving means 11 is further configured to have the following functions.
(11-2) When a selection designation of digital asset tokens deposited in the account of the debit card user (consumer) on the cryptocurrency exchange service provider 80 side is accepted as assets to be prioritized as targets for liquidation when making a payment with a debit card, a function of accepting from the debit card user (consumer) 50 a designation of the order of digital asset token brands to be prioritized as targets for liquidation when making a payment with a debit card among multiple types of digital asset tokens deposited in the account of the debit card user (consumer) on the cryptocurrency exchange service provider 80 side.
(11-3) A function for accepting settlement instructions from a debit card user (consumer) 50 in specified crypto assets (or tokens with similar characteristics), such as gold coins or _CO2 emission rights, when a selection designation of digital asset tokens deposited in the debit card user's (consumer's) account on the crypto asset exchange service provider 80 side is accepted as an asset to be prioritized for settlement when making a payment with a debit card.
(11-4) A function for accepting, from a debit card user (consumer) 50, a designation of a stable coin of a specified country that is deposited in the debit card user's (consumer's) account on the cryptocurrency exchange service provider 80 side as an asset to be prioritized for settlement when making a payment with a debit card.
(11-5) A function to accept from a debit card user (consumer) 50 a designation of the priority of assets to be prioritized for settlement when making a payment with a debit card, regarding multiple different types of assets (points, digital currency, stable coins, commodity stable coins) deposited in the debit card user's (consumer's) account on the cryptocurrency exchange service provider 80 side.

Payment cashing instruction means 12
The cashing instruction means 12 is configured to have the following functions, for example, as shown in FIG.
(12-1) Selection and designation of digital asset tokens deposited in the account of the debit card user (consumer) on the cryptocurrency exchange 80 side as assets to be prioritized as liquidation targets by the liquidation priority asset selection designation receiving means 11 If accepted, this function instructs the conversion of digital asset tokens into cash in the amount required for liquidation.
The cashing instruction means 12 is further configured to have the following functions.
(12-2) A function of instructing the conversion of digital asset tokens into cash in the amount required for liquidation in accordance with the priority designation of the digital asset tokens accepted by the liquidation priority asset selection designation acceptance means 11.
(12-3) The liquidation priority asset selection designation receiving means 11 selects the assets to be liquidated at the time of settlement with the debit card, and stores the selected assets in the account of the debit card user (consumer) at the financial institution 70 such as a bank. When the selection of the deposited cash is accepted, if the cash deposited in the debit card user's (consumer's) account on the financial institution 70 side such as a bank does not meet the amount required for settlement, a deficiency is detected. A function to instruct the cashing out of the amount required to settle an account.
(12-4) The liquidation ratio of the digital asset token deposited in the debit card user (consumer) account of the cryptocurrency exchange company 80 to the liquidation amount accepted by the cash/digital asset token liquidation ratio setting acceptance means 18 A function to instruct the cash conversion of minutes.
(12-5) When the settlement amount at the time of payment by debit card is a large amount exceeding a certain amount, the amount is deducted from the cash deposited in the debit card user's (consumer's) account at the financial institution 70 such as a bank. A function that gives instructions to cash out digital asset tokens deposited in the debit card user's (consumer's) account on the cryptocurrency exchange company 80 side as a priority.
(12-6) A function of instructing the liquidation of assets in an amount equivalent to the amount required for liquidation in accordance with the priority designation of multiple different types of assets accepted by the liquidation priority asset selection designation acceptance means 11.

Cash conversion means 13
The cash conversion means 13 is configured to have the following functions, for example, as shown in FIG.
(13-1) A function of converting the digital asset tokens deposited in the debit card user (consumer) account on the cryptocurrency exchange company 80 side into cash in the amount required for settlement when instructions are received from the payment encashment instruction means 12.
(13-1-1) More specifically, the function of instantly converting the amount into cash at the settlement price (the crossing streaming rate which can be traded in units of 1 yen) and the function of locking the converted amount and sending a message to the system of the bank or other financial institution 70 instructing settlement (transfer of the amount of cash from the debit card user (consumer) account of the bank or other financial institution 70 to the seller (retailer, sales company) account of the bank or other financial institution 70).
The cash conversion means 13 is further configured to have the following functions.
(13-2) A function of converting digital asset tokens deposited in the account of a debit card user (consumer) on the cryptocurrency exchange business 80 into cash in the amount required for liquidation, in accordance with the priority designation of the digital asset tokens accepted by the liquidation priority asset selection designation acceptance means 11.
(13-3) A function of automatically converting digital asset tokens into cash in the amount of the shortfall that is deposited in the account of the debit card user (consumer) on the cryptocurrency exchange service provider 80 side when an instruction to convert the amount of the shortfall into cash is received from the amount conversion instruction means 12.
(13-4) A function of automatically converting into cash the liquidation ratio of the digital asset tokens deposited in the debit card user (consumer) account on the cryptocurrency exchange service provider 80 side relative to the liquidation amount accepted by the cash/digital asset token liquidation ratio setting acceptance means 18 when an instruction to convert the liquidation ratio amount is received from the payment cash instruction means 12.
(13-5) A function of converting assets deposited in the debit card user's (consumer's) account on the cryptocurrency exchange service provider 80 side into cash in the amount required for liquidation, in accordance with the priority designation of multiple different types of assets accepted by the liquidation priority asset selection designation acceptance means 11.

Cash transfer means 14
The cash transfer means 14 is configured to have the following functions, for example, as shown in FIG.
(14-1) A function of periodically transferring cash for multiple purchases locked by the cash conversion means 13 in one lump sum to the account of the debit card user (consumer) at the financial institution 70 such as a bank.
The cash transfer means 14 is further configured to have the following functions.
(14-2) A function of transferring the shortfall in cash converted by the cash conversion means 13 to the account of the debit card user (consumer) on the side of the financial institution 70 such as a bank.
(14-3) A function of transferring the cash equivalent to the liquidation ratio of the digital asset tokens converted into cash by the cash conversion means 13 to the account of the debit card user (consumer) on the side of the financial institution 70 such as a bank.

Cash conversion necessity designation acceptance means 15
The cash conversion necessity/non-necessity designation receiving means 15 is configured to have the following functions, for example, as shown in FIG.
(15-1) A function for accepting designation from a seller (retailer, sales company) 60 as to whether or not a digital asset token should be converted into cash.

Cash conversion control means 16
The cash conversion control means 16, as shown in FIG. 8, is configured to have the following functions.
(16-1) When the liquidation priority asset selection designation receiving means 11 accepts a selection designation of a digital asset token deposited in the debit card user's (consumer's) account on the crypto asset exchange service provider 80 side as an asset to be prioritized as a liquidation target when making a payment with a debit card, and the cash conversion necessity designation receiving means 15 accepts a designation that the digital asset token does not need to be converted to cash, the function of instructing the crypto asset exchange service provider 80's system to liquidate (transfer the digital asset token for the amount of the payment from the debit card user's (consumer's) account on the crypto asset exchange service provider 80 side to the seller's (retailer, sales company's) account on the crypto asset exchange service provider 80 side) while controlling the cash conversion means 13 not to convert the digital asset token deposited in the debit card user's (consumer's) account on the crypto asset exchange service provider 80 side into cash for the amount of the payment required for liquidation.
The cash conversion control means 16 is further configured to have the following functions.
(16-2) When the liquidation priority asset selection designation acceptance means 11 accepts a liquidation instruction in a specified crypto asset such as gold coins, it has a function of instructing the system on the crypto asset exchange company 80 side to perform liquidation (transfer of the specified crypto asset such as gold coins in the amount of the payment from the debit card user (consumer) account on the crypto asset exchange company 80 side to the seller (retailer, sales company) account on the crypto asset exchange company 80 side) while controlling the cash conversion means 13 not to convert the digital asset token deposited in the debit card user (consumer) account on the crypto asset exchange company 80 side into cash in the amount necessary for liquidation.
(16-3) When the liquidation priority asset selection designation acceptance means 11 accepts the designation of a stable coin of a specified country as an asset to be prioritized as a liquidation target, the function of instructing the system of the cryptocurrency exchange company 80 to perform liquidation (transfer of stable coin of a specified country for the amount of the payment from the debit card user (consumer) account on the cryptocurrency exchange company 80 side to the seller (retailer, sales company) account on the cryptocurrency exchange company 80 side) while controlling the cash conversion means 13 not to convert into cash the amount of the payment necessary for liquidation of the digital asset token deposited in the debit card user (consumer) account on the cryptocurrency exchange company 80 side.
(16-4) When the liquidation priority asset selection designation acceptance means 11 accepts a liquidation designation in a specified crypto asset such as _CO2 emission rights, it has a function of instructing the system on the crypto asset exchange company 80 side to perform liquidation (transfer of the specified crypto asset such as CO2 emission rights for the amount of the liquidation price from the debit card user (consumer) account on the crypto asset exchange company 80 side to the seller (retailer, sales company) account on the crypto asset exchange company 80 side) while controlling the cash conversion means 13 not to convert the digital asset token deposited in the debit card user (consumer) account on the _crypto asset exchange company 80 side into cash for the amount of the liquidation price.

Transaction record reference means 17
The transaction record reference means 17, as shown in FIG. 9, is configured to have the following functions.
(17-1) A function that allows a customer (debit card user (consumer) 50) to refer to the transaction record when making a payment with a debit card (including the transaction amount and the corresponding rate when the digital asset token is converted into cash by the cash conversion means 13).

Cash/digital asset token liquidation ratio setting acceptance means 18
The cash/digital asset token liquidation ratio setting receiving means 18 is configured to have the following functions, for example, as shown in FIG. 10.
(18-1) A function for accepting, from a debit card user (consumer) 50, the setting of a settlement ratio between the cash deposited in the debit card user's (consumer's) account at a financial institution 70 such as a bank and the digital asset tokens deposited in the debit card user's (consumer's) account at a cryptocurrency exchange 80, relative to the settlement amount when making a payment by debit card.

The processing using the debit service provision system 1 using digital assets of this embodiment configured as described above will now be described.

(A1) Selection and designation of assets to be prioritized as settlement targets at the time of settlement by the debit card user (consumer) 50 (FIG. 11)
When a debit card user (consumer) 50 uses a debit card to pay for a purchase with a seller (retailer, sales company) 60, the debit card user (consumer) 50 selects and specifies, via the liquidation priority asset selection and designation receiving means 11, either cash deposited in the debit card user's (consumer's) account on the side of a financial institution 70 such as a bank, or digital asset tokens deposited in the debit card user's (consumer's) account on the side of a cryptocurrency exchange company 80, as the asset to be prioritized for liquidation.
At this time, the debit card user (consumer) 50 further specifies the following as necessary.
Specifying the order of priority of digital asset token brands to be prioritized for settlement when making a payment by debit card among multiple digital asset token brands deposited in the account of a debit card user (consumer) on the cryptocurrency exchange company 80 side.
- Liquidation instructions in specified crypto assets (or tokens with similar characteristics) such as gold coins and _CO2 emission rights.
Designation of a stable coin of a specified country that is deposited in the account of the debit card user (consumer) on the cryptocurrency exchange service provider 80 side as an asset to be prioritized for settlement when making a payment with a debit card.
- Specifying the order of priority for assets to be settled when making a payment with a debit card for multiple different types of assets (points, digital currency, stable coins, commodity stable coins) deposited in the account of a debit card user (consumer) on the cryptocurrency exchange service provider 80 side.

(A2) Setting of cash/digital asset token liquidation ratio by debit card user (consumer) 50 (FIG. 11)
In addition, if necessary, the debit card user (consumer) 50 sets the settlement ratio between the cash deposited in the debit card user's (consumer's) account at a financial institution 70 such as a bank and the digital asset tokens deposited in the debit card user's (consumer's) account at the cryptocurrency exchange 80, relative to the settlement amount when making a payment with a debit card, via the cash/digital asset token settlement ratio setting reception means 18.

(B) Designation by the seller (sales store, sales company) 60 as to whether or not the digital assets should be converted into cash (FIG. 12)
The seller (sales store, sales company) 60 designates in advance via the cash conversion necessity designation receiving means 15 whether or not the digital asset token needs to be converted into cash.

(C) Liquidation Processing Using Digital Assets Based on Selection and Liquidation Ratio Settings (Figures 13 to 21)
Depending on the selection and designation made by the debit card user (consumer) 50 via the liquidation priority asset selection and designation receiving means 11, and the designation of whether or not the digital asset token should be converted into cash by the seller (sales store, sales company) 60 via the cash conversion necessity designation receiving means 15, liquidation processing using digital assets is carried out as follows.

(C-1) Liquidation processing using digital assets in a case where the liquidation priority asset selection designation receiving means 11 receives (from the debit card user (consumer) 50) the designation of the digital asset token deposited in the debit card user's (consumer's) account on the cryptocurrency exchange 80 side as the asset to be prioritized as the liquidation target, and the cash conversion necessity designation receiving means 15 receives (from the seller (sales store, sales company) 60) the designation of "necessary" regarding the necessity of converting the digital asset token into cash (FIG. 13)
In this case, the payment cash instruction means 12 instructs the cashing out of digital asset tokens in an amount equivalent to the payment required for settlement.
When the cash conversion means 13 receives an instruction from the payment encashment instruction means 12, it converts the digital asset token deposited in the debit card user (consumer) account on the cryptocurrency exchange company 80 side into cash in the amount of the payment required for settlement.
More specifically, it has the function of instantly converting the amount into cash at the settlement price (the crossing streaming rate which can be traded in units of 1 yen), locking the converted amount, and sending a message to the system of the bank or other financial institution 70 instructing settlement (transferring the amount of cash from the debit card user (consumer) account of the bank or other financial institution 70 to the seller (retailer, sales company) account of the bank or other financial institution 70).
The cash transfer means 14 periodically transfers the cash for the multiple payments locked by the cash conversion means 13 in one lump sum to the account of the debit card user (consumer) at a financial institution 70 such as a bank.

If the debit card user (consumer) 50 further specifies the following via the liquidation priority asset selection specification receiving means 11, the following processing will be performed.

(C-1-1) Liquidation processing using digital assets when the liquidation priority asset selection designation receiving means 11 receives (from a debit card user (consumer) 50) a designation of the order of issues of digital asset tokens to be prioritized as liquidation targets at the time of settlement by debit card among multiple issues of digital asset tokens deposited in the debit card user's (consumer's) account on the cryptocurrency exchange service provider 80 side (FIG. 14).
In this case, the payment cash instruction means 12 instructs the cashing out of digital asset tokens for the amount required for liquidation in accordance with the priority designation of the digital asset token issues accepted by the liquidation priority asset selection designation acceptance means 11.
The cash conversion means 13 converts the digital asset tokens deposited in the debit card user (consumer) account on the cryptocurrency exchange business 80 side into cash in the amount required for liquidation, in accordance with the priority designation of the digital asset token brands accepted by the liquidation priority asset selection designation acceptance means 11.
The other steps are substantially the same as those in (C-1) above.

(C-2) Liquidation processing using digital assets in a case where the liquidation priority asset selection designation receiving means 11 receives (from the debit card user (consumer) 50) the designation of the digital asset token deposited in the debit card user's (consumer's) account on the cryptocurrency exchange 80 side as the asset to be prioritized as the liquidation target, and the cash conversion necessity designation receiving means 15 receives (from the seller (sales store, sales company) 60) the designation of "not required" regarding the necessity of converting the digital asset token to cash (FIG. 15)
In this case, the cash conversion control means 16 controls the cash conversion means 13 not to convert the digital asset tokens deposited in the debit card user's (consumer's) account on the crypto asset exchange company 80's side into cash for the amount required for settlement, while instructing the system on the crypto asset exchange company 80's side to settle (transfer the digital asset tokens for the amount from the debit card user's (consumer's) account on the crypto asset exchange company 80's side to the seller's (retailer, sales company's) account on the crypto asset exchange company 80's side).

The process when the liquidation priority asset selection designation receiving means 11 receives (from the debit card user (consumer) 50) a designation of the order of digital asset tokens to be prioritized as liquidation targets when making a payment with a debit card, among multiple digital asset tokens deposited in the debit card user's (consumer's) account on the cryptocurrency exchange service provider 80 side, is substantially the same as (C-2) above.

(C-3) Liquidation process using digital assets when the liquidation priority asset selection designation acceptance means 11 accepts (from the debit card user (consumer) 50) the designation of cash deposited in the debit card user (consumer) account on the bank or other financial institution 70 side as the asset to be prioritized as the liquidation target, and the cash deposited in the debit card user (consumer) account on the bank or other financial institution 70 side does not satisfy the amount required for liquidation (FIG. 16).
In this case, the payment encashment instruction means 12 instructs the payment encashment of the amount of the payment necessary to settle the shortfall.
The cash conversion means 13 receives an instruction to cash the amount of the payment required to settle the shortfall from the payment cash instruction means 12, and automatically cashes the digital asset tokens for the amount of the payment required to settle the shortfall that has been deposited in the debit card user's (consumer's) account on the cryptocurrency exchange company 80 side.
The cash transfer means 14 transfers the shortage of cash converted by the cash conversion means 13 to the account of the debit card user (consumer) at a financial institution 70 such as a bank.

(C-4) Settlement processing using digital assets when the cash/digital asset token settlement ratio setting receiving means 18 receives (from a debit card user (consumer) 50) a settlement ratio setting between the cash deposited in the debit card user's (consumer's) account on the bank or other financial institution 70 side and the digital asset token deposited in the debit card user's (consumer's) account on the cryptocurrency exchange 80 side for the settlement amount when making a payment with a debit card (FIG. 17)
In this case, the payment cash instruction means 12 instructs the cashing out of the digital asset tokens deposited in the debit card user's (consumer's) account on the cryptocurrency exchange service provider 80 side in accordance with the liquidation ratio of the liquidation amount accepted by the cash/digital asset token liquidation ratio setting acceptance means 18.
The cash conversion means 13 receives an instruction to cash out the liquidation ratio from the payment cash out instruction means 12, and automatically converts into cash the liquidation ratio of the digital asset tokens deposited in the debit card user (consumer) account on the cryptocurrency exchange company 80 side, which is in relation to the liquidation amount and which is accepted by the cash/digital asset token liquidation ratio setting acceptance means 18.
The cash transfer means 14 transfers the cash equivalent to the liquidation ratio of the digital asset tokens converted into cash by the cash conversion means 13 to the account of the debit card user (consumer) on the side of a financial institution 70 such as a bank.

(C-5) Liquidation priority asset selection designation acceptance means 11 accepts (from debit card user (consumer) 50) a selection designation of digital asset tokens deposited in the debit card user's (consumer's) account on the cryptocurrency exchange service provider 80 side as assets to be prioritized as liquidation targets when making a payment with a debit card, and further accepts (from debit card user (consumer) 50) a liquidation instruction for specified cryptocurrency (or tokens with similar characteristics) such as gold coins or CO2 _emission rights, liquidation processing using digital assets (FIG. 18).
In this case, the cash conversion control means 16 controls the cash conversion means 13 not to convert the digital asset token deposited in the debit card user's (consumer's) account on the crypto asset exchange company 80's side into cash for the amount required for liquidation, while instructing the crypto asset exchange company 80's system to liquidate (transfer a specified crypto asset such as gold coins for the amount of the liquidation from the debit card user's (consumer's) account on the crypto asset exchange company 80's side to the seller's (retailer, sales company's) account on the crypto asset exchange company 80's side).

(C-6) Clearing process using digital assets when the clearing priority asset selection designation acceptance means 11 accepts (from the debit card user (consumer) 50) the designation of a stable coin of a specified country deposited in the debit card user's (consumer's) account on the cryptocurrency exchange 80 side as an asset to be prioritized as a clearing target when making a payment with a debit card (FIG. 19).
In this case, the cash conversion control means 16 controls the cash conversion means 13 not to convert the digital asset token deposited in the debit card user's (consumer's) account on the crypto asset exchange company 80's side into cash for the amount required for liquidation, while instructing the crypto asset exchange company 80's system to liquidate (transfer stable coin of a specified country for the amount of the liquidation from the debit card user's (consumer's) account on the crypto asset exchange company 80's side to the seller's (retailer, sales company's) account on the crypto asset exchange company 80's side.

(C-7) Liquidation processing using digital assets when the liquidation priority asset selection designation receiving means 11 receives (from the debit card user (consumer) 50) a designation of the priority of assets to be liquidated at the time of settlement with a debit card for multiple different types of assets (points, digital currency, stable coins, commodity stable coins) deposited in the debit card user's (consumer's) account on the cryptocurrency exchange service provider 80 side (FIG. 20).
In this case, the means for instructing cashing in the amount of the assets required for liquidation is instructed to be cashed in accordance with the priority designation of the multiple different types of assets accepted by the means for accepting priority asset selection designation for liquidation 11 .
The cash conversion means 13 converts assets deposited in the debit card user's (consumer's) account on the cryptocurrency exchange business 80 side into cash for the amount required for liquidation, according to the priority designation of multiple different types of assets accepted by the liquidation priority asset selection designation acceptance means 11.
The other steps are substantially the same as those in (C-1) above.

(C-8) Other settlement processing using digital assets when the settlement amount at the time of payment by debit card is a large amount exceeding a certain amount (Fig. 21)
In this case, the payment cash instruction means 12 instructs the cashing out of the digital asset token deposited in the debit card user's (consumer's) account on the cryptocurrency exchange service provider 80 side, in preference to the cash deposited in the debit card user's (consumer's) account on the bank or other financial institution 70 side.
The other steps are substantially the same as those in (C-1) above.

In addition, in the debit service provision system 1 using digital assets of this embodiment, when converting crypto assets (or tokens with similar characteristics) into cash yen for the amount required for settlement in debit card payments, it is preferable to have a means (not shown) that can record data (book value and selling price, quantity, daily, etc.) for calculating the comprehensive taxation system.
Furthermore, if the cryptocurrency (or tokens having similar characteristics) is not converted into cash yen for the amount required for settlement, it will be treated as an exchange of cryptocurrency (or tokens having similar characteristics) deposited in the debit card user's (consumer's) account on the cryptocurrency exchange service provider 80 side. For example, if a gasoline token is handed over to pay for gasoline, it will be treated as an exchange of gasoline for a gasoline token. On the other hand, in payments for consumption behavior, it is preferable to have a means (not shown) capable of managing data for the consumption tax system.

(D) Refer to transaction records (not shown)
In response to a reference operation from a customer (debit card user (consumer) 50), the transaction record reference means 17 presents the transaction record for payment by debit card (including the transaction amount and the corresponding rate when the digital asset token is converted into cash by the cash conversion means 13) to the customer (debit card user (consumer) 50).

According to the debit service provision system 1 using digital assets of this embodiment, there is provided a liquidation priority asset selection designation receiving means 11 having a function of receiving from a debit card user (consumer) 50 a selection designation of either cash deposited in the debit card user's (consumer's) account on the side of a financial institution 70 such as a bank, or digital asset tokens deposited in the debit card user's (consumer's) account on the side of a cryptocurrency exchanger 80, as assets to be prioritized as assets to be liquidated when making a payment with a debit card, and a liquidation priority asset selection designation receiving means 11 having a function of receiving from a debit card user (consumer) 50 a selection designation of either cash deposited in the debit card user's (consumer's) account on the side of a cryptocurrency exchanger 80, as assets to be prioritized as assets to be liquidated, and The system is configured to include a cash-out instruction means 12 that has a function of instructing the conversion of digital asset tokens to cash for the amount required for settlement when a selection designation of the deposited digital asset tokens is received, and a cash conversion means 13 that has a function of converting the digital asset tokens deposited in the debit card user's (consumer's) account on the cryptocurrency exchange 80 side into cash for the amount required for settlement when an instruction is received from the cash-out instruction means 12. This allows the debit card user (consumer) 50 to make an immediate payment using the debit card by holding digital assets, and can select between cash and digital assets as the settlement object. This makes it easier to use debit cards.

In addition, according to the debit service providing system 1 using digital assets of this embodiment, the cash conversion means 13 has a function of immediately converting the digital assets into cash at the settlement price (a crossing streaming rate that can be traded in units of 1 yen), a function of locking the converted amount of money, and a function of sending a message to the system of the financial institution 70 such as a bank to instruct the settlement (transfer of the amount of money from the debit card user (consumer) account of the financial institution 70 such as a bank to the seller (retailer, sales company) account of the financial institution 70 such as a bank), and further has a cash transfer means 14 having a function of periodically transferring the cash of the amount of money locked by the cash conversion means 13 to the debit card user (consumer) account of the financial institution 70 such as a bank in a lump sum. Therefore, even if digital assets are used as the settlement target, the cash of the amount of money to be cleared can be secured, and withdrawal from the bank account can be made in the same way as in the conventional debit system. In addition, since the cash of the amount of money of the multiple items is periodically transferred in a lump sum to the debit card user (consumer) account of the financial institution 70 such as a bank, the transaction volume can be made more efficient.

In addition, according to the debit service provision system 1 using digital assets of this embodiment, the cash conversion necessity designation receiving means 15 has the function of receiving from the seller (retailer, sales company) 60 a designation of whether or not the digital asset token should be converted into cash, and when the liquidation priority asset selection designation receiving means 11 receives a selection designation of the digital asset token deposited in the debit card user's (consumer's) account on the crypto asset exchange company 80 side as an asset to be prioritized as a liquidation target when making a payment with a debit card, if the cash conversion necessity designation receiving means 15 has received a designation of not needing to convert the digital asset token into cash, the cash conversion necessity designation receiving means 15 receives a designation of not needing to convert the digital asset token into cash, and when the cash conversion necessity designation receiving means 15 has received a designation of not needing to convert the digital asset token into cash, the cash conversion necessity designation receiving means 13 receives a designation of not needing to convert the digital asset token into cash, The system further includes a cash conversion control means 16 that has the function of instructing the cryptocurrency exchange company 80's system to perform liquidation (transferring the digital asset tokens worth the payment from the debit card user (consumer) account on the cryptocurrency exchange company 80's side to the seller (retailer, sales company) account on the cryptocurrency exchange company 80's side) while controlling so that the digital asset tokens deposited in the debit card user (consumer) account on the cryptocurrency exchange company 80's side are not converted into cash for the amount required for liquidation. This allows the seller (retailer, sales company) 60 to select digital assets, in addition to cash, as assets to be paid for, and to hold assets in a variety of forms to deal with fluctuations in the economy and values.

In addition, according to the debit service provision system 1 using digital assets of the present invention, the liquidation priority asset selection designation receiving means 11, when receiving a selection designation of digital asset tokens deposited in the debit card user's (consumer's) account on the crypto asset exchange business 80 side as assets to be prioritized as liquidation targets when making a payment with a debit card, further has a function of receiving from the debit card user (consumer) 50 a designation of the order of digital asset token brands to be prioritized as liquidation targets when making a payment with a debit card, among the multiple digital asset tokens deposited in the debit card user's (consumer's) account on the crypto asset exchange business 80 side, and the payment cash instruction means 12 receives a selection designation of the liquidation priority asset selection designation from the debit card user (consumer) 50. The means 11 further has a function of instructing the conversion of digital asset tokens to cash for the amount required for liquidation according to the priority designation of the digital asset tokens received, and the cash conversion means 13 further has a function of converting the digital asset tokens deposited in the debit card user's (consumer's) account on the crypto asset exchange 80 side into cash for the amount required for liquidation according to the priority designation of the digital asset tokens received by the liquidation priority asset selection designation receiving means 11. Therefore, when the debit card user (consumer) 50 holds multiple digital assets in his/her account on the crypto asset exchange 80 side, the digital assets of the most advantageous issue can be liquidated according to fluctuations in the economy and value. This makes it easier to use debit cards.

In addition, the debit service provision system 1 using digital assets of this embodiment is further configured to include a transaction record reference means 17 that has the function of allowing the customer (debit card user (consumer) 50) to refer to the transaction record (including the transaction volume and the corresponding rate when the digital asset token is converted into cash by the cash conversion means 13) in the case of payment with a debit card. Therefore, when the debit card user (consumer) 50 selects digital assets as the object of liquidation, the rate at the time of conversion from digital assets to cash and the current amount of deposited digital assets resulting from the use of digital assets for liquidation can be easily confirmed.

In addition, according to the debit service provision system 1 using digital assets of this embodiment, the payment cash instruction means 12 further has a function of instructing the conversion into cash of the amount of the payment required to settle the shortfall when the liquidation priority asset selection designation acceptance means 11 accepts the selection designation of cash deposited in the debit card user's (consumer's) account on the financial institution 70 side, such as a bank, as the asset to be prioritized as the liquidation target when making a payment with a debit card, and when the cash deposited in the debit card user's (consumer's) account on the financial institution 70 side, such as a bank, does not meet the amount required for settlement, and a cash conversion method Stage 13 further has a function of automatically converting digital asset tokens in the amount of the amount needed to settle the shortfall deposited in the debit card user's (consumer's) account on the cryptocurrency exchange 80 side into cash, and the cash transfer means 14 further has a function of transferring the shortfall in cash to the debit card user's (consumer's) account on the bank or other financial institution 70 side, so that even when the cash deposited in the debit card user's (consumer's) account on the bank or other financial institution 70 side does not meet the amount needed for settlement, instant settlement can be made using a debit card by holding digital assets.

In addition, according to the debit service provision system 1 using digital assets of this embodiment, the cash/digital asset token liquidation ratio setting reception means 18 has a function of receiving from the debit card user (consumer) 50 the setting of the liquidation ratio between the cash deposited in the debit card user's (consumer's) account on the side of the financial institution 70 such as a bank and the digital asset token deposited in the debit card user's (consumer's) account on the side of the cryptocurrency exchange company 80 with respect to the liquidation amount when making a payment with a debit card, and the payment cash instruction means 12 further has a function of instructing the liquidation of the digital asset token deposited in the debit card user's (consumer's) account on the side of the cryptocurrency exchange company 80 with respect to the liquidation amount received by the cash/digital asset token liquidation ratio setting reception means 18. The cash conversion means 13 further has a function of automatically converting into cash the liquidation ratio of the digital asset tokens deposited in the debit card user's (consumer's) account on the cryptocurrency exchange 80 side to the liquidation amount accepted by the cash/digital asset token liquidation ratio setting acceptance means 18 when receiving an instruction to convert the amount into cash from the price cash instruction means 12, and the cash transfer means 14 further has a function of transferring the cash equivalent to the liquidation ratio of the digital asset tokens converted by the cash conversion means 13 to the debit card user's (consumer's) account on the bank or other financial institution 70 side. Therefore, the debit card user (consumer) 50 can adjust the asset ratio to be more advantageous in accordance with fluctuations in the value of the cash and digital assets held by the debit card user (consumer) 50, and can hold assets more advantageously. This makes it even easier to use debit cards.

In addition, according to the debit service provision system 1 using digital assets of this embodiment, the cash conversion control means 16 is configured so that, when the settlement amount at the time of payment by debit card is an extremely large amount equal to or greater than a predetermined amount, the payment cash instruction means 12 further has a function of instructing the cashing of the digital asset token deposited in the debit card user's (consumer's) account on the cryptocurrency exchange 80 side in priority to the cash deposited in the debit card user's (consumer's) account on the bank or other financial institution 70 side. Therefore, in the case of an extremely large amount, no spread (fee) is charged when converting digital assets into cash, and therefore the cost burden associated with the settlement for the debit card user (consumer) 50 who settles an extremely large amount can be significantly reduced.

In addition, according to the debit service provision system 1 using digital assets of this embodiment, the liquidation priority asset selection designation receiving means 11, when it receives a selection designation of a digital asset token deposited in the debit card user's (consumer's) account on the cryptocurrency exchange business 80 side as an asset to be prioritized as a liquidation target when making a payment with a debit card, further has a function of receiving a liquidation instruction in a specified cryptocurrency such as gold coins from the debit card user (consumer) 50, and the cash conversion control means 16 is configured to receive a liquidation instruction in a specified cryptocurrency such as gold coins from the liquidation priority asset selection designation receiving means 11 when the liquidation priority asset selection designation receiving means 11 receives a selection designation of a digital asset token deposited in the debit card user's (consumer's) account on the cryptocurrency exchange business 80 side as an asset to be prioritized as a liquidation target when making a payment with a debit card. When a liquidation instruction is received, the system is configured to control the cash conversion means 13 not to convert the digital asset tokens deposited in the debit card user's (consumer's) account on the crypto asset exchange service provider 80's side into cash for the amount required for liquidation, while also having a function of instructing the system on the crypto asset exchange service provider 80's side to liquidate (transfer a specified crypto asset such as gold coins for the amount of the liquidation from the debit card user's (consumer's) account on the crypto asset exchange service provider 80's side to the seller's (retailer, sales company's) account on the crypto asset exchange service provider 80's side, making it easy to use for liquidation using debit card payments overseas.

In addition, according to the debit service provision system 1 using digital assets of this embodiment, the liquidation priority asset selection designation acceptance means 11 further has a function of accepting, from the debit card user (consumer) 50, the designation of a stable coin of a specified country that is deposited in the debit card user's (consumer's) account on the cryptocurrency exchange 80 side as an asset to be prioritized as a liquidation target when making a payment with a debit card, and the cash conversion control means 16, when the liquidation priority asset selection designation acceptance means 11 accepts the designation of a stable coin of a specified country as an asset to be prioritized as a liquidation target, In this case, the system is configured to further have a function of instructing the system on the cryptocurrency exchange company 80 side to perform liquidation (transfer of a stable coin of a specified country equivalent to the amount of the payment from the debit card user (consumer) account on the cryptocurrency exchange company 80 side to the seller (retailer, sales company) account on the cryptocurrency exchange company 80 side), while controlling the cash conversion means 13 not to convert the digital asset token deposited in the debit card user (consumer) account on the cryptocurrency exchange company 80 side into cash for the amount required for settlement, thereby making it easier to use for settlement using debit card payments overseas.

Furthermore, according to the debit service providing system 1 using digital assets of this embodiment, the liquidation priority asset selection designation receiving means 11, when it receives a selection designation of a digital asset token deposited in the debit card user's (consumer's) account on the crypto asset exchange service provider 80 side as an asset to be prioritized as a liquidation target when making a payment with a debit card, further has a function of receiving from the debit card user (consumer) 50 a liquidation designation in a specified crypto asset such as _CO2 emission rights (or tokens having characteristics similar thereto), and when the liquidation priority asset selection designation receiving means 11 receives a liquidation designation in a specified crypto asset such as _CO2 emission rights, the cash conversion control means 16, when it receives a liquidation designation in the specified crypto asset such as CO2 emission rights, controls the cash conversion means 13 not to convert the digital asset token deposited in the debit card user's (consumer's) account on the crypto asset exchange service provider 80 side into cash for the amount required for liquidation, while performing liquidation (transferring the amount of CO2 emission rights from the debit card user's (consumer's) account on the crypto asset exchange service provider 80 side to a seller's (retailer, sales company's) account on the crypto asset exchange service provider 80 side) to the system on the crypto asset exchange service provider 80 side. ₂₎ The system is further configured to have a function of instructing the movement of specified crypto assets such as emission rights (or tokens with similar characteristics), which will make it easier to deal with any stronger inflationary trends in the future.

In addition, according to the debit service provision system 1 using digital assets of this embodiment, the liquidation priority asset selection designation receiving means 11 further has a function of receiving from the debit card user (consumer) 50 a designation of the priority of assets to be prioritized as liquidation targets when making a payment with a debit card, for multiple different types of assets (points, digital currency, stable coins, stable commodities) deposited in the debit card user's (consumer's) account on the crypto asset exchange business 80 side, the payment cash instruction means 12 further has a function of instructing the conversion of assets to cash in the amount of the payment required for liquidation in accordance with the designation of the priority of multiple types of assets accepted by the liquidation priority asset selection designation receiving means 11, and the cash conversion means 13 further has a function of converting the assets deposited in the debit card user's (consumer's) account on the crypto asset exchange business 80 side into cash in the amount of the payment required for liquidation in accordance with the designation of the priority of multiple types of assets accepted by the liquidation priority asset selection designation receiving means 11, so that the debit card user (consumer) 50 can liquidate with a variety of assets. This makes it even easier to use debit cards.

Therefore, according to this embodiment, a debit service provision system using digital assets can be obtained that allows instant settlement by holding digital assets, allows a variety of digital assets to be selected as the settlement object, allows instant settlement even if cash is insufficient to cover the settlement amount, facilitates settlement overseas, and allows settlement with advantageous assets depending on economic conditions and value fluctuations.

The above describes the debit service provision system using digital assets of the present invention using an embodiment, but the debit service provision system using digital assets of the present invention is not limited to the configuration described in the above embodiment, and can be configured in any form within the scope of the claims of the present invention.

In the debit service provision system using digital assets of the present invention, debit is an instant process connected to a bank account, but credit debit is a 1:1 connection between a settlement agent (financial institution such as a credit company) and a bank account. In the present invention, in addition to "bank account settlement,""cryptocurrency account settlement" such as gold is also performed. For this reason, accounts of financial institutions such as credit companies are connected in a 1:N (N is 2 or more) relationship.
In order to define the processing on the multiple accounts side (N side), the credit debit user (customer) specifies the priority of assets to be liquidated in settlement through the service screen (function) of the settlement company.
for example,
・If there is no remaining balance in the bank account, the next designated account (cryptocurrency) will be selected as the target for liquidation in the settlement. Alternatively, if there is no remaining balance in the cryptocurrency account, the next designated bank account will be selected as the target for liquidation in the settlement.
・For large payments of 1 million yen or more, specify the settlement target for the payment from the cryptocurrency account, or for payments of 1 million yen or less, specify the settlement target for the payment from the bank account.
Possible reasons include:

In addition, in the debit service provision system using digital assets of the present invention, for example, when making a settlement with gold as the settlement object, the settlement rate is set to the gold buying and selling rate plus a spread, and fluctuations in the buying and selling rate are eliminated as much as possible to fix it. Then, when a settlement instruction is actually received, it is necessary to process it as quickly as possible.
For example, when a payment instruction for 1 million yen is received, gold tokens equivalent to 1 million yen may be exchanged for cash according to the payment rate and used for the payment.
However, if the payment rate is checked and the payment processing OK is notified after the gold token is sold, the speed of the payment processing will be slow.
In order to avoid such delays, in the debit service provision system using digital assets of the present invention, at the interface of the system connection with financial institutions such as credit companies, the amount of assets that each customer can use for settlement in settlement is provisionally calculated in real time according to the settlement rate, and if it is determined that the settlement can be processed within the provisionally calculated limit when a settlement instruction is received, a settlement completion notice is sent to the financial institution such as the credit company before the assets are sold. In this way, it is possible to increase the speed of settlement processing.

However, when performing such asynchronous processing, various risks arise (for example, the risk that a settlement completion notice is issued, but the assets that should be the subject of settlement have already been sold and withdrawn, making it impossible to sell them when the sale actually takes place). For example, when an asset for which a settlement instruction has been received is to be converted into cash, there is a possibility that a customer will simultaneously sell and convert the asset into cash. Therefore, in principle, if the asset has been converted into cash, the asset is not sold, and the cash is used to clear the settlement. Alternatively, the cryptocurrency exchange checks whether the customer is logged in, and if so, the asset sale operation for the account is temporarily disabled when the settlement instruction is received. This eliminates the above-mentioned risks when performing asynchronous processing.

After notification of settlement completion, the assets of the relevant account are sold at the settlement rate and synchronization is adjusted retroactively.
In addition, if the settlement rate fluctuates in the short period of time between the notice of settlement completion and the sale of assets, resulting in a shortfall in the selling amount, the cryptocurrency exchange will compensate for the loss (generate a settlement rate that allows the sale of assets and sell the assets).

The debit service provision system using digital assets of the present invention is useful in fields where it is necessary to provide debit services.

1 Debit service provision system using digital assets 11 Liquidation priority asset selection designation acceptance means 12 Payment cash instruction means 13 Cash conversion means 14 Cash transfer means 15 Cash conversion necessity designation acceptance means 16 Cash conversion control means 17 Transaction record reference means 18 Cash/digital asset token liquidation ratio setting acceptance means 50 Debit card user (consumer)
60 Seller (dealer, sales company)
70 Banks and other financial institutions 80 Cryptocurrency exchange operators 90 Credit companies and other financial institutions

Claims (16)

A debit service provision system using digital assets, the system being constructed with at least one distributed ledger in distributed technology such as blockchain for managing transactions between all forms of digital assets, such as tokens (a general term for values defined digitally in distributed technology such as blockchain), digital currencies, tokens and digital currencies, or between tokens or between digital currencies, and smart contracts for performing predetermined processing using the digital assets managed in the distributed ledger,
A liquidation priority asset selection designation receiving means has a function of receiving, from a debit card user (consumer), a selection designation of either cash deposited in the debit card user's (consumer's) account on a financial institution side such as a bank, or digital asset tokens deposited in the debit card user's (consumer's) account on a cryptocurrency exchange side, as assets to be prioritized as assets to be liquidated when making a payment with a debit card;
a cashing instruction means for instructing the cashing of the digital asset tokens for the amount required for liquidation when the liquidation priority asset selection designation receiving means accepts the selection designation of the digital asset tokens deposited in the debit card user (consumer) account of the cryptocurrency exchange service provider as the asset to be prioritized as the liquidation target;
and a cash conversion means having a function of converting the digital asset tokens deposited in the debit card user (consumer) account of the cryptocurrency exchange into cash in an amount necessary for settlement when an instruction is received from the cash conversion instruction means ,
A debit service provision system using digital assets, wherein the cash conversion means has a function of instantly converting the amount into cash at the settlement price (the crossing streaming rate which can be traded in units of 1 yen) and a function of locking the converted amount and sending a message to a system on the bank or other financial institution side instructing settlement (transfer of the amount of cash from the debit card user (consumer) account on the bank or other financial institution side to the seller (retailer, sales company) account on the bank or other financial institution side) . The debit service provision system using digital assets according to claim 1 further comprises a cash transfer means having a function of periodically transferring the cash equivalent to the multiple payments locked by the cash conversion means in a lump sum to a debit card user (consumer) account at a financial institution such as a bank. A cash conversion necessity designation receiving means having a function of receiving a designation of whether or not the digital asset token needs to be converted into cash from a seller (a dealer, a sales company);
The debit service providing system using digital assets as described in claim 1, further comprising a cash conversion control means having a function of instructing the cryptocurrency exchange company's system to perform liquidation (transfer of the digital asset tokens worth the amount from the debit card user's (consumer's) account on the cryptocurrency exchange company's side to the seller's (retailer, sales company's) account on the cryptocurrency exchange company's side) while controlling the cash conversion means not to convert the digital asset tokens deposited in the debit card user's (consumer's) account on the cryptocurrency exchange company's side into cash for the amount required for liquidation when the liquidation priority asset selection designation acceptance means accepts a selection designation of a digital asset token deposited in the debit card user's (consumer's) account on the cryptocurrency exchange company's side as an asset to be prioritized as a liquidation target when making a payment with a debit card, and if the cash conversion necessity designation acceptance means accepts a designation that the digital asset tokens do not need to be converted into cash. The liquidation priority asset selection designation receiving means further has a function of receiving, when a selection designation of a digital asset token deposited in the debit card user's (consumer's) account on the cryptocurrency exchange side is received as an asset to be prioritized as a liquidation target when settling with a debit card, from the debit card user (consumer) a designation of the order of the digital asset token brands to be prioritized as a liquidation target when settling with a debit card among the multiple digital asset tokens deposited in the debit card user's (consumer's) account on the cryptocurrency exchange side;
The cashing instruction means further has a function of instructing the cashing of digital asset tokens in an amount equivalent to the amount of the liquidation required in accordance with the priority designation of the digital asset tokens accepted by the liquidation priority asset selection designation acceptance means;
The debit service provision system using digital assets as described in claim 1, characterized in that the cash conversion means has a function of converting digital asset tokens deposited in the debit card user's (consumer's) account on the cryptocurrency exchange side into cash in the amount required for liquidation, in accordance with the priority designation of the digital asset token brands accepted by the liquidation priority asset selection designation acceptance means. The debit service providing system using digital assets as described in claim 1, further comprising a transaction record reference means having a function that allows a customer (debit card user (consumer)) to refer to the transaction record (including the transaction amount and the corresponding rate when the digital asset token is converted into cash by the cash conversion means) when making a payment with a debit card. The cash conversion instruction means further has a function of instructing the conversion to cash of the amount of the shortfall when the liquidation priority asset selection designation receiving means accepts a selection designation of cash deposited in the debit card user's (consumer's) account on the financial institution side such as a bank as an asset to be prioritized for liquidation at the time of settlement with the debit card, and when the cash deposited in the debit card user's (consumer's) account on the financial institution side such as a bank does not satisfy the amount required for liquidation,
The cash conversion means further has a function of automatically converting digital asset tokens into cash in an amount equivalent to the amount of the shortfall deposited in the debit card user (consumer) account of the cryptocurrency exchange service provider when the cash conversion means receives an instruction to convert the amount of the shortfall into cash from the amount conversion instruction means;
A debit service providing system using digital assets as described in claim 2, characterized in that the cash transfer means further has a function of transferring the shortfall in cash converted by the cash conversion means to the debit card user's (consumer's) account at a financial institution such as a bank . a cash/digital asset token liquidation ratio setting receiving means having a function of receiving from a debit card user (consumer) a setting of a liquidation ratio between the cash deposited in the debit card user's (consumer's) account on the financial institution side such as a bank and the digital asset token deposited in the debit card user's (consumer's) account on the cryptocurrency exchange side with respect to the liquidation amount at the time of settlement by debit card,
The cashing instruction means further has a function of instructing the cashing of the liquidation ratio of the digital asset tokens deposited in the debit card user (consumer) account of the cryptocurrency exchange company relative to the liquidation amount accepted by the cash/digital asset token liquidation ratio setting acceptance means,
The cash conversion means further has a function of automatically converting into cash the liquidation ratio of the digital asset tokens deposited in the debit card user (consumer) account of the cryptocurrency exchange service provider in relation to the liquidation amount accepted by the cash/digital asset token liquidation ratio setting acceptance means when receiving an instruction to convert the liquidation ratio from the price cash instruction means,
The debit service provision system using digital assets as described in claim 2, characterized in that the cash transfer means further has a function of transferring cash equivalent to the liquidation ratio of the digital asset token converted by the cash conversion means to a debit card user (consumer) account on the financial institution side such as a bank. The debit service provision system using digital assets described in any one of claims 1 to 7, characterized in that the cashing instruction means further has a function of instructing the cashing of the digital asset token deposited in the debit card user's (consumer's) account on the cryptocurrency exchange company side in preference to the cash deposited in the debit card user's (consumer's) account on the financial institution side such as a bank, when the settlement amount at the time of payment by debit card is an extremely high amount equal to or greater than a predetermined amount. The liquidation priority asset selection designation receiving means, when it receives a selection designation of a digital asset token deposited in a debit card user (consumer) account of the cryptocurrency exchange service provider as an asset to be prioritized as a liquidation target when making a payment with a debit card,
In addition, it has the function of accepting settlement instructions in designated crypto assets such as gold coins from debit card users (consumers),
The cash conversion control means further has the function of instructing the cryptocurrency exchange company's system to perform liquidation (transfer of a specified cryptocurrency such as gold coins from the debit card user's (consumer's) account on the cryptocurrency exchange company's side to the seller's (retailer, sales company's) account on the cryptocurrency exchange company's side to the payment amount) while controlling the cash conversion means not to convert the digital asset token deposited in the debit card user's (consumer's) account on the cryptocurrency exchange company's side into cash for the amount required for liquidation when the liquidation priority asset selection designation acceptance means accepts a liquidation instruction in a specified cryptocurrency such as gold coins. A debit service provision system using digital assets as described in claim 3, characterized in that the cash conversion control means further has the function of instructing the cryptocurrency exchange company's system to perform liquidation (transfer of a specified cryptocurrency such as gold coins for the amount of the liquidation from the debit card user's (consumer's) account on the cryptocurrency exchange company's side to the seller's (retailer, sales company's) account on the cryptocurrency exchange company's side when the liquidation priority asset selection designation acceptance means accepts a liquidation instruction in a specified cryptocurrency such as gold coins. The liquidation priority asset selection and designation receiving means further has a function of receiving, from a debit card user (consumer), a designation of a stable coin of a specified country that is deposited in the debit card user's (consumer's) account on the cryptocurrency exchange side as an asset to be prioritized as a liquidation target when making a payment with a debit card;
The debit service provision system using digital assets as described in claim 3, characterized in that the cash conversion control means, when the liquidation priority asset selection designation acceptance means accepts the designation of a stable coin of a specified country as the asset to be prioritized for liquidation, further has a function of instructing the cryptocurrency exchange company's system to liquidate (transfer of stable coin of a specified country equivalent to the amount of the payment from the debit card user (consumer) account on the cryptocurrency exchange company's side to the seller (retailer, sales company) account on the cryptocurrency exchange company's side), while controlling the cash conversion means not to convert the digital asset token deposited in the debit card user (consumer) account on the cryptocurrency exchange company's side into cash equivalent to the amount required for liquidation. The liquidation priority asset selection designation receiving means, when it receives a selection designation of a digital asset token deposited in a debit card user (consumer) account of the cryptocurrency exchange service provider as an asset to be prioritized as a liquidation target when making a payment with a debit card,
In addition, it has a function to accept settlement designations for specified crypto assets such as _CO2 emission rights from debit card users (consumers),
The cash conversion control means further has a function of instructing the cryptocurrency exchange company's system to perform liquidation (transfer of the specified cryptocurrency such as _CO2 emission rights (or tokens with similar characteristics) from the debit card user's (consumer's) account on the cryptocurrency exchange company's debit card user account (retailer, sales company) account on the cryptocurrency exchange company's side to the seller's (retailer, sales company's) account on the cryptocurrency exchange company's side) while controlling the cash conversion means not to convert the digital asset tokens deposited in the debit card user's (consumer's) account on the cryptocurrency exchange company's side into cash for the amount required for liquidation when the liquidation priority asset selection designation acceptance means accepts a liquidation designation in a specified cryptocurrency such as _CO2 emission rights (or tokens with similar characteristics) for the amount required for liquidation when the liquidation priority asset selection designation acceptance means accepts a liquidation designation in The liquidation priority asset selection designation receiving means further has a function of receiving from the debit card user (consumer) a designation of the priority of assets to be liquidated at the time of settlement with the debit card, regarding multiple different types of assets (points, digital currency, stable coins, commodity stable coins) deposited in the debit card user's (consumer's) account on the cryptocurrency exchange service provider's side;
The liquidation priority asset selection instruction means further has a function of instructing the liquidation of assets for the amount of the liquidation priority asset required for liquidation in accordance with the priority designation of the plurality of different types of assets received by the liquidation priority asset selection instruction receiving means;
A debit service provision system using digital assets as described in any one of claims 1 to 7 and 9 to 11, characterized in that the cash conversion means further has a function of converting assets deposited in the debit card user's (consumer's) account on the cryptocurrency exchange service provider's side into cash in the amount required for liquidation, in accordance with the priority designation of multiple different types of assets accepted by the liquidation priority asset selection designation acceptance means. The debit service providing system of claim 3, further comprising a function of controlling the cash conversion control means to, when the liquidation priority asset selection designation receiving means receives a liquidation instruction for a specified crypto asset such as gold coins, provisionally calculate in real time in accordance with the settlement rate the amount of assets that can be used for liquidation in the settlement, and, if it is determined that the settlement can be processed within the provisionally calculated amount, to issue a settlement completion notification to a financial institution such as a credit company before selling the assets, and to sell the assets after issuing the settlement completion notification. The debit service providing system according to claim 13, characterized in that the cash conversion control means further has a function of controlling the liquidation to use the cash as the liquidation target in the settlement when the liquidation priority asset selection designation acceptance means accepts a liquidation instruction in a specified crypto asset such as gold coins and converts the asset for which a settlement instruction has been received into cash, and when the asset is being converted into cash, the asset is not sold and the cash is used as the liquidation target in the settlement. The debit service providing system described in claim 13, characterized in that the cash conversion control means, when the liquidation priority asset selection designation acceptance means accepts a liquidation instruction for a specified crypto asset such as gold coins and cashes out the assets for which a settlement instruction has been received, further has a function of checking whether the customer is logged in on the crypto asset exchange service provider side, and, if logged in, controlling the asset selling operation of the account to be temporarily rendered unable to be processed when the settlement instruction is received. The debit service providing system according to any one of claims 13 to 15, characterized in that the cash conversion control means further has a function of controlling the cryptocurrency exchange operator to compensate for the loss (generate a settlement rate that allows the asset to be sold and sell the asset) in the case where the liquidation priority asset selection designation acceptance means accepts a liquidation instruction for a specified cryptocurrency such as gold coins and converts the asset for which a settlement instruction has been received into cash, and the settlement rate fluctuates in the short period of time between the notice of settlement completion and the sale of the asset, resulting in a shortfall in the selling amount.

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