JP2020024668A - Asset management system and asset management method - Google Patents

Abstract

To provide an asset management system capable of managing asset information more safely.SOLUTION: An asset management system, which manages asset information on assets registered by a user, stores and manages the asset information and manages a part of the asset information by sharing it with a plurality of stakeholders participating in a blockchain.SELECTED DRAWING: Figure 1

Description

  The present invention relates to an asset management system and an asset management method.

Electronic commerce has been actively pursued with the spread of the Internet. Services are provided to manage assets held by individuals. For example, for those who want to prepare for inheritance from the birth of the assets held by individuals, information on the assets held by individuals such as savings and savings in bank accounts, insurance and real estate, and a copy of family register necessary for execution of wills and wills There is proposed a system that manages the original information in association with the original information (for example, Patent Document 1).
In such a service for preparing for inheritance, it is necessary to pay close attention to the handling of original information so as not to leak the information. On the other hand, information on assets needs to be constantly updated to the latest information by institutions (hereinafter, also referred to as stakeholders) that transact with each other. In addition, it is desirable that the information on the assets is managed so as not to be falsified by a malicious third party. In other words, when managing assets in connection with inheritance, it is necessary to ensure that personal information such as original information does not leak and that asset information is accurately and safely managed by all stakeholders involved in transactions. It has been demanded.

JP 2018-18266 A

  However, in the management system described in Patent Literature 1, asset information and original information are managed in the same system. If asset information and original information are managed in the same system, for example, if the ID and password can be correctly input, anyone can falsify or browse the information.

  The present invention has been made in view of such circumstances, and provides an asset management system and an asset management method capable of managing asset information more safely.

  In order to solve the above-described problem of the present invention, the present invention is an asset management system that manages asset information on assets registered by a user, and stores and manages the asset information, and manages the asset information. This is an asset management system that manages a part by sharing it with a plurality of stakeholders participating in a blockchain.

  The present invention also provides the asset management system as described above, wherein an original management server that manages information on the original used for the asset procedure in the asset information, and information on a transaction performed on the asset in the asset information. Is an asset management system having a transaction management server that manages a transaction by sharing a plurality of stakeholders in a blockchain.

  Further, in the asset management system according to the present invention, the original management server manages information on an original used for a procedure for inheriting assets, and the transaction is executed when execution conditions for executing the inheritance are satisfied. The information of the original necessary for the execution of the inheritance is transmitted to the management server, and the transaction management server executes the transaction of the asset according to the content of the inheritance based on the information of the original received from the original management server. In this case, the information on the executed transaction is managed by being shared by a plurality of stakeholders participating in the blockchain.

  Further, according to the present invention, in the asset management system described above, the transaction management server manages information relating to a transaction performed on an asset to be inherited, and an execution condition for executing the inheritance is satisfied. In this case, referring to the original management server, information of the original necessary for executing the inheritance is acquired.

  Further, in the asset management system according to the present invention, the original management server transmits a public key generated for each user to the transaction management server, and the transaction management server generates a common key for each user. Then, the transaction information is encrypted with the generated common key, and the generated common key is encrypted with the public key transmitted from the original management server.

  The present invention also relates to an asset management method for managing asset information relating to an asset registered by a user, wherein the original management server manages information on the original used for the procedure of the asset in the asset information, and manages the transaction. An asset management method in which a server manages information of a transaction performed on an asset in the asset information by sharing the information with a plurality of stakeholders participating in a blockchain.

  Further, according to the present invention, in the above-described asset management system, a plurality of stakeholders participating in a blockchain share an asset information management server that manages the asset information and asset information identifier information indicating the location of the asset information. And an asset information identifier management server managed by the asset management system.

  Further, according to the present invention, in the asset management system described above, the asset information identifier management server causes the plurality of stakeholders to share information indicating an authority to access the asset information together with the asset information identifier information.

  Further, the present invention is an asset management method for managing asset information on assets registered by a user, wherein an asset information management server manages the asset information, and an asset information identifier management server determines a location of the asset information. Is an asset management method for managing asset information by sharing a plurality of stakeholders participating in a blockchain with asset information identifier information indicating the above.

  According to the present invention, of the asset information, the information on the original and the information on the transaction are managed separately, and the information on the transaction is managed by being shared by a plurality of stakeholders participating in the blockchain. For this reason, a plurality of stakeholders are always traded, and information on a transaction whose situation changes day by day can be safely managed using a block chain that is difficult to falsify. In addition, information such as original information, which is different in nature from one that changes every moment, can be safely managed separately from the network. That is, asset information can be managed more safely.

1 is a block diagram illustrating a configuration example of an asset management system 1 according to a first embodiment. FIG. 2 is a block diagram illustrating a configuration example of an original management server 20 according to the first embodiment. FIG. 2 is a block diagram illustrating a configuration example of an original data storage server 21 according to the first embodiment. It is a block diagram showing the example of composition of transaction management server 40 concerning a 1st embodiment. FIG. 5 is a diagram illustrating a process performed by a transaction management server 40 according to the first embodiment. 5 is a sequence chart illustrating an operation example of the asset management system 1 according to the first embodiment. It is a block diagram showing an example of composition of asset management system 1A concerning a 2nd embodiment. It is a figure explaining processing which transaction management server 40A concerning a 2nd embodiment performs. 9 is a sequence chart illustrating an operation example of the asset management system 1A according to the second embodiment.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.
In the embodiment, an example will be described in which the asset is a deposit and deposit traded through a financial institution. However, it is not limited to this. The asset may be an intangible fixed asset such as physical data or digital data serving as a master of a copyrighted work such as software, a sound source, or a video, in addition to a fixed asset such as a real estate, a liquid asset such as insurance or securities.
The assets in the embodiment include not only positive assets such as savings and savings held by the user but also negative assets (liabilities) such as loans and loans. That is, the asset information according to the embodiment includes not only information on the plus asset but also information on the minus asset (liability) such as a loan. In addition to asset information, asset information includes not only registration, transfer, transfer, sale, and rental of assets, but also transaction information such as closing accounts and paying taxes, and numerical values of assets. Information that is indirectly necessary for managing assets, such as server addresses, is also included.
In the following, as a procedure for assets, a case where inheritance is executed and a case where a procedure for obtaining a loan is performed will be described as an example, but the invention is not limited thereto. The procedure of the asset may be registration of the ownership, transfer, transfer, sale, rental, rental account closing, payment of tax, and the like.

(First embodiment)
First, a first embodiment will be described.
FIG. 1 is a block diagram illustrating a configuration example of the asset management system 1 according to the first embodiment. The asset management system 1 includes, for example, a user terminal 10, an original management server 20, an original data storage server 21, a communication network 30, a transaction management server 40, and a financial institution server 50 (financial institution servers 50-1, 50-2,... 50-N).
In this example, the original data management server 20 and the original data storage server 21 are communicably connected by a dedicated line different from the communication network 30.
The user terminal 10, the original management server 20, the original data storage server 21, the transaction management server 40, and the financial institution server 50 are communicably connected via a communication network 30. The transaction management server 40 and the financial institution server 50 are communicably connected to each other in an environment where access is restricted, such as a VPN (Virtual Private Network), in the communication network 30.

The user terminal 10 is, for example, a smartphone, a mobile phone, or the like, and is carried by a user who uses the asset management system 1. An application program (hereinafter, referred to as an application) that manages a user's assets is installed in the user terminal 10. For example, when the user registers assets, wills, and other information necessary for the procedure of inheritance in advance, the app follows the will when conditions for executing the inheritance are satisfied. Various applications related to the inheritance procedure are performed on behalf of the user or the user's heir.
In the user terminal 10, an account is created through the application by the operation of the user, and for example, a document such as a license is registered as identity verification. Then, the will, the contents of the inheritance, and various documents necessary for the execution of the inheritance are registered. In addition, the app allows users to add or change the registered inheritance contents, set the access right to view the registered contents, add or update documents, etc. by subsequent user operations It is. In addition, the application can refer to registered information by a user operation.

  The original data management server 20 manages document information (hereinafter referred to as original data) necessary for the inheritance procedure. The original management server 20 manages information necessary for an inheritance procedure in response to a registration request from the user terminal 10. Information necessary for the inheritance procedure includes, for example, a will, a seal certificate, a transfer registration application, a copy of a family register, a contract, and asset data. The asset data is information relating to an asset owned by the user, for example, information such as an account number of a bank account owned by the user.

The original data storage server 21 stores the original data according to an instruction from the original management server 20. The original data storage server 21 encrypts the original data by using the encryption key for each user designated by the original management server 20, and stores the encrypted original data.
The communication network 30 is, for example, a communication network including a part or all of the Internet, a WAN (Wide Area Network), a LAN (Local Area Network), a provider device, a wireless base station, a dedicated line, and the like.

The transaction management server 40 manages the information on the transaction of the user's asset (hereinafter, referred to as transaction data) by sharing the information with a plurality of stakeholders participating in the blockchain.
Here, the block chain is a distributed data recording ledger technology shared by a plurality of stakeholders (for example, a computer such as the financial institution server 50) participating in the system. In the blockchain, the record of the transaction is recorded as one block. In the blockchain, the transaction history stores blocks by connecting them like a chain, and includes the hash value of the previous block in the next block. As a result, if the contents of the blocks connected by the chain are falsified, the hash value of the falsified block and the hash value of the previous block included in the next block become inconsistent, so that the tampering has been performed. Be clear. That is, the transaction management server 40 manages the transaction data by sharing it with a plurality of stakeholders participating in the blockchain. This suppresses falsification of the transaction record.

  The transaction data is, for example, data in which transactions such as transfer, transfer, modification, increase, and decrease of assets are associated with information indicating the date and order in which the transactions were performed. Further, the transaction data may include attribute information (metadata) of information used in the course of the transaction. For example, transaction data includes information indicating the type of procedure performed in the course of the transaction, the attributes of the documents attached at the time of application, identification information of the asset subject to the transaction, It includes identification information, information indicating whether or not the application has been approved, and the like. In addition, if the transaction is based on a will, information such as the content or summary of the will that was the subject of the transaction, a document proving heir, and the contents certified in executing the will will be May be included.

  The financial institution server 50 is a server device of a financial institution that keeps a user's property. The financial institution server 50 records the details of a user's property transaction executed at the financial institution. The financial institution server 50 participates in a block chain used by the transaction management server 40, and records the contents of the transaction of the user's asset using the block chain.

FIG. 2 is a block diagram illustrating a configuration example of the original document management server 20 according to the first embodiment. The original management server 20 includes an API (Application Programming Interface) connection management unit 201, an ID issuing unit 202, an authentication unit 203, a data management control unit 204, a control unit 205, and a communication unit 206.
The API connection management unit 201 is a functional unit that manages connection with an external program when performing various processes by calling an external program. The ID issuing unit 202 issues a personal identification ID that uniquely identifies a user. The authentication unit 203 authenticates that the contents of the registration (for example, identity verification) transmitted from the user have not been falsified during communication. The authentication unit 203 authenticates that the contents of the registration have not been tampered with in cooperation with an external public authentication organization (for example, a public personal authentication service). The data management control unit 204 manages the contents of registration from the user. The control unit 205 totally controls the original management server 20. The communication unit 206 communicates with the user terminal 10, the transaction management server 40, and the financial institution server 50 via the communication network 30.

The data management control unit 204 creates a personal key pair (a combination of a public key and a private key) corresponding to the personal identification ID, and notifies the transaction management server 40 of the created public key of the personal key pair together with the personal identification ID. Further, the data management control unit 204 creates a data management control key pair (a combination of a public key and a secret key) of the data management control unit 204 in advance. On the other hand, also in the financial institution server 50, a financial institution key pair (a combination of a public key and a private key) is created in advance.
The data management control unit 204 notifies the financial institution server 50 of the public key of the data management control key pair, and acquires the public key of the financial institution key pair created by the financial institution server 50.
The data management control unit 204 creates a personal common key corresponding to the personal identification ID for each financial institution, and notifies the created personal common key to the corresponding financial institution server 50. At this time, the data management control unit 204 encrypts the personal common key with the secret key of the data management control key pair, and further encrypts the encrypted personal common key with the public key of the financial institution. Notify the server 50.
The data management control unit 204 transmits the original data to the financial institution server 50 when a specific condition is satisfied, such as when the condition for inheritance is satisfied. In this case, the data management control unit 204 transmits the original data encrypted with the personal common key to the financial institution server 50.
Further, the data management control unit 204 transmits the original data to the original data storage server 21 together with the personal common key.

FIG. 3 is a block diagram illustrating a configuration example of the original data storage server 21 according to the first embodiment. The original data storage server 21 includes an input / output unit 211, an encryption unit 212, and an original data storage unit 213.
The input / output unit 211 receives the original data and the personal common key from the data management control unit 204. In addition, the input / output unit 211 transmits the original data stored in the original data storage unit 213 to the original management server 20 according to an instruction from the data management control unit 204. The encryption unit 212 encrypts all data stored in the original data storage unit 213.

Here, the processing when the financial institution server 50 receives the original data from the data management control unit 204 will be described.
The financial institution server 50 decrypts the original data received from the data management control unit 204. The financial institution server 50 decrypts the private common key notified from the data management control unit 204 with the public key of the financial institution, and decrypts the private common key decrypted with the public key with the public key of the data management control key pair. Then, the original data is decrypted using the personal common key decrypted with the secret key.

FIG. 4 is a block diagram illustrating a configuration example of the transaction management server 40 according to the first embodiment. The transaction management server 40 includes an authentication unit 401, a data management unit 402, a transaction data management / cooperation unit 403, a control unit 405, a communication unit 406, and a transaction data storage unit 407.
The authentication unit 401 authenticates that data such as a document transmitted from the user terminal 10 has not been tampered with during communication. The authentication unit 401 may perform authentication in cooperation with an external public authentication organization. The data management unit 402 manages user information and transaction data of the user. The transaction data management / cooperation unit 403 manages the information encrypted by the data management unit 402 by sharing the information with a plurality of stakeholders participating in the blockchain. The information managed using this blockchain includes a transaction record (asset) of the user's asset. The control unit 405 controls the transaction management server 40 as a whole. The communication unit 406 notifies the user terminal 10, the original management server 20, and the financial institution server 50 via the communication network 30. The transaction data storage unit 407 stores information encrypted by the data management unit 402.

The data management unit 402 generates a common key for each user, and encrypts the user information and the transaction data of the user with the generated common key. The data management unit 402 encrypts the generated common key with the user's public key notified from the data management control unit 204.
The transaction data management / cooperation unit 403 generates a block of all or a part of the information encrypted by the data management unit 402 as a history of one transaction, and stores the blocks in the computers participating in the block chain in a distributed manner. Let it. When generating a block, the transaction data management / cooperation unit 403 includes the hash value of the previous block. Further, the transaction data management / cooperation unit 403 gives the generated block a transaction ID for identifying the block. The transaction data management / cooperation unit 403 stores the generated block in the transaction data storage unit 407.

  Further, when there is a request from the user terminal 10 to refer to information, the data management unit 402 transmits information corresponding to the request to the user terminal 10. The data management unit 402 refers to the transaction data storage unit 407 and the computer participating in the block chain using the transaction ID of the information corresponding to the request, and acquires all or a part of the blocks that are distributed and stored. . The data management unit 402 decodes information described in the obtained block. The data management unit 402 decrypts the encrypted common key with the secret key notified from the data management control unit 204, and decrypts the information described in the block using the common key decrypted with the secret key. The data management unit 402 extracts information requested by the user terminal 10 from the decoded block, and transmits the extracted information to the user terminal 10.

  FIG. 5 is a diagram illustrating a process performed by the transaction management server 40 according to the first embodiment. FIG. 5 schematically shows a state in which transaction data is distributed and stored by a plurality of stakeholders participating in the blockchain 100. As shown in FIG. 5, in the blockchain 100, the computers participating in the network of the blockchain 100 (in this example, the transaction management server 40 and the financial institution servers 50-1 to 50-3,..., 50-N). ) Send and receive transaction records to and from each other and store the same transaction records.

FIG. 6 is a sequence chart showing the operation of the asset management system 1 according to the first embodiment.
First, when an application for registering personal information of a user is made from the user terminal 10 via an application, the personal information of the user is transmitted to the original management server 20 (step S101). Further, when an application for registering the document with the information (for example, image data) attached to the document necessary for execution of the will is made from the user terminal 10, the information on the document is transmitted to the original management server 20. (Step S102). Further, when an application for registering information on the user's assets is made from the user terminal 10, the information is transmitted to the financial institution server 50 (step S103). Further, when an application for registering information on the user's assets is made from the user terminal 10, the information is transmitted to the original management server 20 and the transaction management server 40 (step S104).

  The financial institution server 50 refers to the financial institution server 50 or an API for externally authenticating account information using the information on the user's assets received from the user terminal 10 in step S103, and applies for registration as a user's asset. It is confirmed (authenticated) whether or not the account on which the operation has been performed does exist as an account in the name of the user (step S501). The financial institution server 50 transmits the information on the authenticated user's assets to the original management server 20 and the transaction management server 40. When the user's property is traded, the financial institution server 50 transmits a record of the trade to the transaction management server 40.

  The original management server 20 encrypts all or part of the information received from the user terminal 10 in steps S101, S102, and S104 and the information received from the financial institution server 50 in step S103 as original data, and encrypts the encrypted original. The data is stored and managed in the original data storage server 21 (step S201).

  The transaction management server 40 encrypts all or part of the information received from the user terminal 10 in step S104 and the information received from the financial institution server 50 in step S103 as transaction data, and converts the encrypted transaction data into a blockchain. (Step S401).

On the other hand, when the condition for executing inheritance is satisfied, when a request to execute inheritance is made from the user terminal 10, the request is transmitted to the original management server 20 (step S105).
When receiving the request to execute inheritance from the user terminal 10, the original data management server 20 refers to the original data storage server 21 and extracts the original data related to the requested inheritance (step S202). The original management server 20 transmits the extracted original data to the financial institution server 50.
The financial institution server 50 decrypts the original data received from the original management server 20 (step S502). Using the decrypted original data, the financial institution server 50 examines the transfer of the asset accompanying the inheritance, and determines whether or not to approve the transfer of the asset (step S503). When approving the transfer of the asset, the financial institution server 50 activates the financial institution server 50 or an API for transferring the external asset (step S504), and the transfer of the asset accompanying the inheritance is approved and the transfer is performed. Is notified to the transaction management server 40 (step S505).

The transaction management server 40 encrypts information received from the financial institution server 50 to the effect that the transfer of assets accompanying inheritance has been approved as transaction data, and shares the encrypted transaction data with a plurality of stakeholders participating in the blockchain. The management is performed by causing them to be performed (step S403). Further, the transaction management server 40 decodes the transaction data related to the execution of the inheritance (step S404), and executes an API for updating the information of the asset with the transfer of the user's asset using the decrypted transaction data. (Step S405), the original management server 20 and the financial institution server 50 are notified that the user's assets are updated.
Upon receiving the notification from the transaction management server 40, the financial institution server 50 transfers the assets of the user to the account of the heir by transferring the assets of the user, for example. Thereby, the procedure accompanying the inheritance is executed (step S505).
Upon receiving the notification from the transaction management server 40, the original data management server 20 updates the original data to have the contents after the transfer of the asset accompanying the inheritance. Then, the original document management server 20 notifies the user terminal 10 that the procedure accompanying the inheritance has been completed (step S203). Further, the original data management server 20 encrypts the updated original data, and stores and manages the encrypted original data in the original data storage server 21 (step S204).

  In the above-described flowchart, the case where the execution condition for inheritance is satisfied in step S105 and a request for executing inheritance is transmitted to the original management server 20 has been described as an example, but the present invention is not limited to this. . In step S105, when the execution condition for executing the inheritance is satisfied, a request to execute the inheritance may be transmitted to the transaction management server 40. In this case, the transaction management server 40 refers to the original management server 20 based on the contents of the request, and acquires the information of the original necessary for executing the inheritance.

As described above, the asset management system 1 according to the first embodiment is an asset management system 1 that manages asset information related to assets registered by a user. It has an original management server 20 that manages information, and a transaction management server 40 that manages information about transactions performed on assets among asset information by sharing the information with a plurality of stakeholders participating in the blockchain.
Since the transaction management server 40 manages the information on the transaction by the blockchain, the transaction history is distributed and stored in the computers participating in the blockchain. In the blockchain, the transaction record is recorded as one block, the transaction history is stored by connecting the blocks like a chain, and the transaction value is included by including the hash value of the previous block in the next block. To prevent falsification of records. Thereby, the asset management system 1 can suppress that the information of the asset is falsified, and can manage the information of the asset more safely.
Furthermore, since the original management server 20 manages the information of the original used for the asset procedure in the asset information, at the time of a procedure such as inheritance or cancellation of the asset, the document necessary for the procedure is acquired from the original management server 20. This procedure can be performed smoothly.

Here, as a comparative example, consider a configuration in which both transaction information and original information are managed by a blockchain. In this comparative example, the information of the original is not falsified because the information of the original is distributed and stored in the computers participating in the blockchain. However, when the original information has a large capacity, a load is imposed on the network. Also, since the information of the original is personal information, many users feel resistance to being stored in a plurality of computers.
On the other hand, in the asset management system 1 according to the first embodiment, the original management server 20 manages information of the original separately from the blockchain. Therefore, no load is imposed on the blockchain network. In addition, since the original management server 20 manages the information of the original in a unified manner, personal information is not stored in a plurality of computers.

Further, in the asset management system 1 of the first embodiment, the original management server 20 manages information on the original used for the procedure of inheriting the assets, and manages the transaction when the execution conditions for executing the inheritance are satisfied. The transaction management server 40 provides the server 40 with the information of the original necessary for the execution of the inheritance, and the transaction management server 40 executes the transaction of the asset according to the content of the inheritance based on the information of the original provided by the original management server 20. In this case, information on executed transactions is managed by being shared by a plurality of stakeholders participating in the blockchain.
Accordingly, in the asset management system 1 according to the first embodiment, when the inheritance is executed, the transaction management server 40 can acquire the information of the original required for the inheritance, and the agency that handles the assets related to the inheritance ( For example, by providing it to the financial institution server 50), the procedure can be performed smoothly. Further, even when there are a plurality of institutions dealing with assets, the transaction management server 40 can provide the information of the originals necessary for inheritance to each, so that the user does not have to go to the institutions dealing with assets individually, Then, it is possible to carry out procedures for inheritance.

  Note that, in the above-described embodiment, the case where the transaction management server 40 and the financial institution server 50 participate in the blockchain has been described as an example, but the present invention is not limited to this. Various organizations that can be stakeholders for inheritance, for example, a server device that handles business of a life insurance company, non-life insurance, a tax accountant corporation, an accounting office, or a local government may participate in the blockchain. This allows the asset management system 1 to complete various procedures such as refund and payment of insurance money and tax, or final tax return, ownership registration, transfer, transfer, sale, rental, and cancellation of account due to inheritance. It becomes possible.

(Second embodiment)
Next, a second embodiment will be described.
In the present embodiment, the asset management system 101 manages user asset information registered when a procedure related to loan examination is performed. The object of the loan may be any property such as real estate such as a house, expensive goods such as a car, tuition and living expenses.
The asset information in the present embodiment is information indicating the user's assets that can be submitted in the loan examination, and includes, for example, the balance of deposits and savings in bank accounts, details of credit cards and electronic money, withholding slips, income certificates, and tax amounts. It is a notice, a final tax return, a pay statement, and the like. Further, the asset information may include a current asset and an intangible fixed asset, as in the above-described embodiment. Alternatively, the asset information may be intangible fixed assets instead of current assets.

  In the following description, a configuration mainly different from the above-described embodiment will be described. The same components as those in the above-described embodiment are denoted by the same reference numerals, and description thereof will be omitted except for operations different from those in the above-described embodiment.

FIG. 7 is a block diagram illustrating a configuration example of the asset management system 101 according to the second embodiment. The asset management system 101 includes, for example, a user terminal 10, a communication network 30, an asset information management server 200, an asset information storage server 300, an asset information identifier management server 400, an AI examination server 500, and a plurality of financial institution servers 600 (financial institution servers). ., 600-N), and an asset information acquisition server 700.
The user terminal 10, the asset information management server 200, the asset information identifier management server 400, the AI examination server 500, the plurality of financial institution servers 600, and the asset information acquisition server 700 operate in an environment where access to the communication network 30 is restricted. Connect to enable communication. The asset information management server 200 and the asset information storage server 300 are communicably connected by a dedicated line different from the communication network 30.

  In the user terminal 10, an application for examining a loan is installed. For example, the application notifies the user of the examination result based on the contents of the application when the user fills in necessary items and submits an application for examination. The examination result indicates, for example, the possibility that a loan of the content desired by the user can be accepted for each of the lenders. The user terminal 10 selects a company to receive the loan based on the examination result, and notifies the selected company of applying for the loan.

The asset information management server 200 manages the user's asset information in response to the application for examination from the user terminal 10. The asset information management server 200 acquires the user's asset information via the asset information acquisition server 700. The asset information management server 200 stores the acquired asset information in the asset information storage server 300.
The method by which the asset information management server 200 stores the asset information in the asset information storage server 300 is the same as the method in which the original data management server 20 stores the original data in the original data storage server 21 in the above-described embodiment. , The description of which is omitted.

  The asset information management server 200 notifies the asset information identifier management server 400 of information indicating the location of the user's asset information (asset information identifier). The asset information identifier is, for example, an index ID used when the asset information storage server 300 searches for user asset information.

  Note that the asset information identifier is not limited to the above-described index ID. The asset information identifier may be, for example, information indicating an address of a memory area where asset information of the user is stored in the asset information storage server 300, or data identification information stored in association with the address. Good. In this case, the asset information management server 200 includes a table in which addresses are associated with data identification information. Alternatively, in the asset management system 101, when there are a plurality of asset information storage servers 300, the asset information identifier stores the group to which the asset information storage server 300 in which the user asset information is stored and the user asset information. The information for identifying the asset information storage server 300 may be included. The information for identifying the group to which the asset information storage server 300 belongs may be information indicating a company that operates the asset information storage server 300, or information indicating a country or region where the asset information storage server 300 is installed. You may.

The asset information storage server 300 stores the user's asset information according to the instruction of the asset information management server 200. The asset information storage server 300 encrypts the user's asset information using the encryption key for each user specified by the asset information management server 200, and stores the encrypted asset information.
The method by which the asset information storage server 300 stores the encrypted asset information is the same as the method by which the original data storage server 21 of the above-described embodiment stores the encrypted original data. Omitted.

The asset information identifier management server 400 manages the user's asset information identifier by sharing it with a plurality of stakeholders participating in the blockchain. By doing so, the asset information identifier management server 400 prevents the stakeholder from referring to the user's asset information identifier, but from referring to the content of the asset information. Accordingly, the asset information identifier management server 400 can more securely protect the user's personal information as compared with a case where the stakeholders share the asset information of the user.
The method by which the asset information identifier management server 400 manages the asset information identifier is the same as the method by which the transaction management server 40 manages transaction data in the above-described embodiment, and a description thereof will be omitted.

  The asset information identifier management server 400 may manage, together with the asset information identifier, information indicating a right to access the asset information corresponding to the asset information identifier (hereinafter, referred to as an access right). As a result, it is possible to set an access right to asset information for a specific stakeholder. For example, when the examination is applied by the user, the asset information identifier management server 400 sets the access right to the asset information in the AI examination server 500. Thereby, the AI examination server 500 can acquire the asset information necessary for estimating the examination result. Further, when a loan is applied from a user, the asset information identifier management server 400 sets an access right to the asset information in the financial institution server 600. This allows the financial institution server 600 to acquire asset information necessary to determine whether to make a loan.

  The AI examination server 500 examines a loan using a machine learning technique. The AI examination server 500 includes, for example, an estimation model that estimates an examination result (examination result) based on asset information. The estimation model is a model in which the correspondence between the user's asset information and the examination result is learned based on, for example, past loan performance. During the learning process, the estimation model identifies factors that affect the examination results by extracting useful rules, rules, knowledge expressions, judgment criteria, etc., and applies new (unlearned) user asset information. , And construct an algorithm for estimating the examination result.

  Note that machine learning techniques include commonly used techniques such as deep learning, recurrent neural network, convolutional neural network, support vector machine (SVM), decision tree learning, genetic programming, and hidden Markov model (HMM). Any of these may be used.

  The AI examination server 500 is a stakeholder of a block chain operated by the asset information identifier management server 400. The AI examination server 500 acquires an asset information identifier of the user in response to the examination application from the user terminal 10. The AI examination server 500 acquires the user's asset information via the asset information management server 200 using the acquired user's asset information identifier. The AI examination server 500 estimates the examination result by inputting the acquired user's asset information to the estimation model. The AI examination server 500 notifies the user terminal 10 of the estimated examination result.

  The financial institution server 600 is a server device of a financial institution that provides a loan to a user. The financial institution server 600 is a stakeholder of a block chain operated by the asset information identifier management server 400. The financial institution server 600 acquires an asset information identifier of the user in response to the application for a loan from the user terminal 10. The financial institution server 600 acquires the user's asset information via the asset information management server 200 using the acquired user's asset information identifier. The financial institution server 600 determines whether or not to give the user fat or oil based on the acquired user asset information. The financial institution server 600 notifies the user terminal 10 whether to make a loan.

  The asset information acquisition server 700 acquires the user's asset information in response to the application for examination from the user terminal 10. The asset information acquisition server 700 stores, for example, information (an example of “asset information”) indicating a bank account for Internet banking registered in advance by a user. The asset information acquisition server 700 refers to the user's bank account and acquires the balance of the bank account at the time of application for examination.

  FIG. 8 is a diagram illustrating processing performed by the asset information identifier management server 400 according to the second embodiment. As shown in FIG. 8, in the present embodiment, a plurality of stakeholders (AI examination server 500, financial institution servers 600-1, 600-2, 600-3, .. 600-N), the asset information identifiers are distributed and stored, and each stakeholder stores the same information.

FIG. 9 is a sequence chart illustrating an operation example of the asset management system 101 according to the second embodiment.
First, an application for examination is made from the user terminal 10 to the asset information acquisition server 700 via the application (step S601). The asset information acquisition server 700 acquires the asset information of the user, notifies the user terminal 10 of the acquisition, and notifies information indicating a link destination of the asset information of the user, and notifies the asset information management server 200 of the user. Is notified to register the asset information (step S602). The user terminal 10 registers the user's asset information in the asset information management server 200, for example, by notifying the asset information management server 200 of the link destination of the user's asset information (step S603). Thereby, the asset information of the user is stored in the asset information storage server 300 via the asset information management server 200. Further, the user's asset information identifier is shared by the stakeholders of the blockchain (the AI examination server 500 and the financial institution server 600) via the asset information identifier management server 400.

  The user terminal 10 applies for an examination (described as “loan examination request” in FIG. 9) to the AI examination server 500 via the asset information identifier management server 400 (step S603). The asset information identifier management server 400 notifies the asset information acquisition server 700 of the user's asset information identifier (described as “address notification” in FIG. 9), and also grants the right to access the user's asset information (step S605).

  The AI examination server 500 requests the asset information management server 200 for the user's asset information based on the asset information identifier notified from the asset information identifier management server 400 (Step S606). The asset information management server 200 notifies the user of the asset information in response to a request from the AI examination server 500 (Step S607).

  The AI examination server 500 estimates the examination result by inputting the user's asset information acquired from the asset information management server 200 into the estimation model, and notifies the user terminal 10 of the estimation result (“Loan examination result notification” in FIG. 9). (Step S608).

  The user terminal 10 selects a contractor to apply for a loan according to the notified examination result. For example, when the financial institution server 600-1 is selected, the user terminal 10 applies for a loan to the financial institution server 600-1 via the asset information identifier management server 400 (described as “finance request” in FIG. 9). (Step S609). The asset information identifier management server 400 notifies the financial institution server 600-1 of the user's asset information identifier (described as “address notification” in FIG. 9) and grants the user the right to access the asset information (step S610). .

  The financial institution server 600-1 requests the asset information management server 200 for the user's asset information based on the asset information identifier notified from the asset information identifier management server 400 (step S611). The asset information management server 200 notifies the user of the asset information in response to a request from the financial institution server 600-1 (step S612).

  The financial institution server 600-1 determines whether to make a loan based on the user's asset information acquired from the asset information management server 200, and notifies the user terminal 10 of the result (“financing result notification” in FIG. 9). (Step S613).

  As described above, the asset management system 101 according to the second embodiment includes an asset information management server 200 that manages asset information and asset information identifier information that indicates the location of asset information. And an asset information identifier management server 400 that is managed by being shared by Thereby, the asset management system 101 of the second embodiment can indicate the location of the user's asset information by the stakeholders without referring to the content of the asset information, and As compared with the case where the stakeholders share the information, the personal information of the user can be more strongly protected.

  In the asset management system 101 according to the second embodiment, the asset information identifier management server 400 causes the plurality of stakeholders to share information indicating the authority to access the asset information together with the asset information identifier. Accordingly, the asset management system 101 of the second embodiment can set a specific stakeholder so that the user's asset information can be accessed. Information necessary for financing etc. can be acquired, asset information can be securely managed, and asset information can be accessed when necessary, so that screening and financing processing can be performed smoothly. It becomes possible.

  As described above, the asset management system 101 is an asset management system that manages asset information relating to assets registered by a user. The asset management system 101 stores and manages asset information, and part of the asset information participates in a blockchain. Management by allowing multiple stakeholders to share. This makes it possible to manage assets according to the nature of the asset information.For example, information that does not need to be leaked, such as personal information, can be managed separately from the blockchain, while the asset information can be acquired when necessary. The asset information identifier can be managed by the blockchain. In other words, it is possible to manage the asset information more safely and to perform processing using the asset information smoothly.

  All or a part of the asset management system 1 (101) in the above-described embodiment may be realized by a computer. In that case, a program for realizing this function may be recorded on a computer-readable recording medium, and the program recorded on this recording medium may be read and executed by a computer system. Here, the “computer system” includes an OS and hardware such as peripheral devices. The “computer-readable recording medium” refers to a portable medium such as a flexible disk, a magneto-optical disk, a ROM, and a CD-ROM, and a storage device such as a hard disk built in a computer system. Further, the “computer-readable recording medium” refers to a communication line for transmitting a program via a network such as the Internet or a communication line such as a telephone line, and dynamically holds the program for a short time. Such a program may include a program that holds a program for a certain period of time, such as a volatile memory in a computer system serving as a server or a client in that case. The program may be for realizing a part of the functions described above, or may be a program that can realize the functions described above in combination with a program already recorded in a computer system, It may be realized using a programmable logic device such as an FPGA.

  As described above, the embodiments of the present invention have been described in detail with reference to the drawings. However, the specific configuration is not limited to the embodiments and includes a design and the like within a range not departing from the gist of the present invention.

1 (101) Asset management system 10 User terminal 20 Original management server 201 API connection management unit 202 ID issuing unit 203 Authentication unit 204 Data management control unit 205 Control unit 206 Communication unit 21 Original data Storage server 30 Communication network 40 Transaction management server 401 Authentication unit 402 Data management unit 403 Transaction data management / cooperation unit 405 Control unit 406 Communication unit 407 Transaction data storage unit 50 Financial institution server 200 Asset Information management server 300 Asset information storage server 400 Asset information identifier management server 500 AI screening server 600 Financial institution server 700 Asset information acquisition server

In order to solve the above-mentioned problems of the present invention, the present invention provides a transaction management server connected to a block chain to which computers of a plurality of stakeholders that transact assets registered by a user are connected, and the transaction management server a resource management system that Yusuke and original management server connected to the server, the original data storage server connected to the original management server, and the original management server assets related assets registered by the user among the information, the information of public documents used for certain transactions among the transactions carried out with respect to the asset is stored in the original data storage server, the transaction management server of the asset information, the generating information about transactions performed on the asset, the block including the hash value of the previous block corresponding to the previous transaction , The generated block, Ru is stored in each computer of the stakeholders that will be connected to said block chain is a asset management system.

Further, in the asset management system according to the present invention, the public document is changed according to the specific transaction, is not changed by a transaction different from the specific procedure, and the information regarding the transaction is The information is changed according to a specific transaction and / or a transaction different from the specific transaction .

Further, in the asset management system according to the present invention, the original management server stores information of a public document used for an inheritance procedure of the asset in the original data storage server, and an execution condition under which the inheritance is executed. when receiving information indicating that are met, the information of public documents used in the execution of the previous SL inheritance is read from the original data storage server, the stakeholders computer for transactions involving the execution of the inheritance sent, the transaction management server, if the transaction of assets associated with the execution of the previous SL inheritance is executed, receives information indicating the transactions of the asset associated with the inheritance from the stakeholders computer, the information the received, generates a block including the hash value of the previous block corresponding to the last transaction, the block the generated, against the said block chain It is stored in each computer of the stakeholders that will be, and transmits the effect that transactions of assets due to the inheritance has been completed the original management server.

Further, in the asset management system according to the present invention, the transaction management server may include information on a transaction performed on an asset to be inherited, and a hash value of a block immediately before the transaction corresponding to the previous transaction. Generate a block including, and store the generated block in the computer of the stakeholder connected to the block chain, when receiving information that the execution conditions for the inheritance are satisfied, The information of a public document used for execution of the inheritance stored in the original data storage server is acquired via the original data management server .

Further, the present invention also provides a transaction management server connected to a blockchain to which computers of a plurality of stakeholders performing transactions of assets registered by a user are connected, and an original management server connected to the transaction management server. the a original management original data storage server connected to the server, a resource management method in the asset management system that having a, the original management server, out of the asset information regarding assets registered by the user, the The information of public documents used for a specific transaction among the transactions performed on the asset is stored in the original data storage server, and the transaction management server performs an operation on the asset out of the asset information. information about our transaction, generates a block including the hash value of the previous block corresponding to the last transaction, the raw The block, wherein Ru is stored in each computer of the stakeholders that will be connected to the block chain is an asset management method.

Further, according to the present invention, an asset information identifier management server connected to a block chain to which computers of a plurality of stakeholders performing asset transactions registered by a user are connected, and the asset information identifier management server is connected to the asset information identifier management server. and asset information management server, and asset information storage server connected to the asset information management server, a resource management system that having a, the asset information management server asset information about assets registered by the user The asset information storage server, the asset information identifier management server, the reference information indicating the location of the memory area where the asset information is stored as one transaction, the reference information and the previous transaction It generates a block including the hash value of the corresponding previous block, the generated block, the Bro Of the stakeholders that will be connected to the click chain Ru is stored in each computer, a property management system.

Further, according to the present invention, in the above-mentioned asset management system, the asset information identifier management server sets the reference information and the access right information indicating an authority to access the asset information as one transaction, and said access right information, and generates a block including the hash value of the previous block corresponding to the last transaction, the generated block, is stored in each computer of the stakeholders that will be connected to the block chain You .

Further, according to the present invention, an asset information identifier management server connected to a block chain to which computers of a plurality of stakeholders performing asset transactions registered by a user are connected, and the asset information identifier management server is connected to the asset information identifier management server. and asset information management server, the method of managing a resource management system that Yusuke and asset information storage server connected to the asset information management server, and the resource information management server, for asset registered by the user asset information, wherein is stored in the asset information storage server, the asset information identifier management server, as one of the trade reference destination information indicating a location of a memory area in which the asset information is stored, the reference destination information and the previous of generating the block including the hash value of the corresponding previous block to the transaction, the generated block, Serial Ru is stored in each computer of the stakeholders that will be connected to the block chain is an asset management method.

Claims (8)

An asset management system for managing asset information on assets registered by a user,
Along with storing and managing the asset information, a part of the asset information is managed by being shared by a plurality of stakeholders participating in the blockchain,
An asset management system, characterized in that: An original management server that manages information of the original used for the procedure of the asset in the asset information,
A transaction management server that manages information about transactions performed on assets among the asset information by allowing a plurality of stakeholders participating in the blockchain to share the information.
The asset management system according to claim 1, comprising: The original management server manages the information of the original used for the procedure of inheriting the asset, and when the execution condition for executing the inheritance is satisfied, the transaction management server provides the information of the original necessary for executing the inheritance to the transaction management server. And send
The transaction management server, when the transaction of the asset according to the content of the inheritance is executed based on the information of the original received from the original management server, the information of the executed transaction, a plurality of participating in the blockchain The asset management system according to claim 2, wherein the stakeholders share and manage the assets. The transaction management server manages information relating to transactions performed on assets to be inherited, and when execution conditions for executing the inheritance are satisfied, refer to the original management server, and The asset management system according to claim 2, wherein information on an original required for execution is acquired. An asset management method for managing asset information on assets registered by a user,
An original management server manages information of the original used for the procedure of the asset in the asset information,
An asset management method in which a transaction management server manages information of a transaction performed on an asset in the asset information by sharing the information with a plurality of stakeholders participating in a blockchain. An asset information management server that manages the asset information,
An asset information identifier management server that manages the asset information identifier information indicating the location of the asset information by causing a plurality of stakeholders participating in the block chain to share the asset information identifier information;
The asset management system according to claim 1, comprising: The asset information identifier management server, together with the asset information identifier information, information indicating the right to access the asset information, the plurality of stakeholders to share,
The asset management system according to claim 6. An asset management method for managing asset information on assets registered by a user,
An asset information management server manages the asset information,
The asset information identifier management server manages the asset information identifier information indicating the location of the asset information by sharing it with a plurality of stakeholders participating in the blockchain.
Asset management method.

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