JP2023180759A - Fund use investigation device and fund use investigation method - Google Patents

Abstract

To provide a fund use investigation device that can efficiently and reliably trace the flow of funds related to a green project to prevent greenwashing with appropriate accuracy.SOLUTION: A fund use investigation device 100 comprises: a storage 101 that holds the history of circulation of digital currencies issued in relation to a green project; and an arithmetic unit 104 that executes processing of extracting, from the circulation history, information on processing of converting the digital currencies into cash in persons involved in the green project to calculate the ratio of conversion of the digital currencies into cash in each of the persons involved, and processing of outputting information on the persons involved with the ratio of conversion into cash exceeding a reference as information on the risk that the digital currencies are used out of the purpose of use.SELECTED DRAWING: Figure 2

Description

The present invention relates to a fund use investigation device and a fund use investigation method.

In recent years, financing through green finance and green bonds has been attracting attention.
In this type of financing, the use of the proceeds is described as green-related in various procedures such as applications and in disclosure reports, but in reality there are many cases where the proceeds are used for different purposes.
The above-mentioned cases fall under usage violations and are called greenwashing. For example, the following two cases can be considered as greenwashing.

One is when a procurer procures green funds for the same project from multiple financial institutions, and the surplus of the total amount of green funds obtained is used for other purposes, i.e., for purposes other than green-related purposes. This is the case.

To give a more specific example, a certain procurer procured 50 million yen each from Bank X and Bank Y for a total of 100 million yen as a green loan for the "purchase of CO2 recovery equipment worth 50 million yen." shall be. In that case, if the procurer uses the remaining 50 million yen, other than the 50 million yen required for the actual equipment purchase, for a purpose other than green-related purposes, it becomes a greenwash incident.

The other is a case where the procurer diverts the green funds to another company. For example, after procuring 100 million yen from Bank X as "funds for executing green project A," If a portion of the money (for example, 10 million yen) is used as fees for unidentified consulting work by another company, it becomes a greenwash incident.

Therefore, conventional techniques have been proposed to monitor and verify whether funds are being used in accordance with their original purpose. As such a technology, for example, there is a transaction tracking system (see Patent Document 1) that uses distributed ledger technology to track the transfer route of products associated with commercial transactions.

This technology is a transaction tracking system that uses a distributed ledger that includes a plurality of transaction data associated with a commercial transaction to track the transaction history of products in the commercial transaction, and includes a generation means for generating the transaction data, and a generation means for generating the transaction data, and each of the transaction data. a storage means for storing transaction data; and a branch information adding means for adding a data structure including branch information between a plurality of transaction data stored in the storage means when the generation means generates the transaction data. , a database for storing the branch information, and the transaction data includes first transaction data generated when the commercial transaction starts as a starting point, and first transaction data generated when the commercial transaction starts as a starting point, and transaction data generated in the course of a series of commercial transactions in which the product is repeatedly transferred. generated second transaction data, the database stores the first transaction data corresponding to the starting point of the branch information in association with the branch information, and accesses the database to generate the second transaction data. The present invention relates to a transaction tracking system characterized by comprising a history reading means for reading out the branch information from transaction data.

JP 2021-96569 Publication

By using the so-called digital currency payment technology shown in the prior art, payment information, including information on the parties to the payment, can be digitized and traced. According to this technology, it becomes possible to confirm who received the green funds lent by the bank from the recipient of the loan.
Therefore, in the case of "procuring green funds for the same project from multiple financial institutions" as shown above, if the loan funds are to be used only for clear green-related projects or companies, then if the intended purpose is It is possible to verify the presence or absence of greenwashing.

On the other hand, loan funds obtained for a green project may be used to purchase land for installing green facilities, etc., or to construct such facilities, which are necessary for the execution of the project, but which on the surface cannot be considered green-related. In many cases, it is also used to pay for personnel costs, purchasing costs for equipment, etc. necessary for operations.

If conventional technology is applied to such cases, as described above, even payment information regarding expenses that are certainly necessary for implementing a green project will be determined to be suspected of greenwashing.

Furthermore, even if conventional technology is applied to cases of ``diversion of green funds to another company,'' it is highly unlikely that it will be possible to determine whether or not loan funds related to green projects were used for diversion purposes.

For example, if a company receiving loan funds related to a green project pays for goods or services in cash rather than digital currency, information indicating whether the payment is for the green project is not managed. In other words, the flow and purpose of the payment cannot be traced.

In order to deal with the above-mentioned situation, manual efforts are required to track and verify the flow of funds for each case point by point. However, since the number of cases and accompanying payment information regarding each business operator can occur in large quantities and frequently, it is difficult to fit within the man-hours that can be realistically handled.

Therefore, an object of the present invention is to provide a technology that can efficiently and accurately trace the flow of funds related to green projects and prevent green washing with appropriate accuracy.

The funds use investigation device of the present invention that solves the above problems includes a storage device that holds the distribution history of digital currency issued in connection with a green project, and information on the conversion process of the digital currency to cash by a person involved in the green project. A process of extracting from the distribution history and calculating the cash conversion rate of the digital currency for each of the parties involved, and outputting information on the parties whose cash conversion rate exceeds a standard as information on the risk of using the digital currency for other purposes. and an arithmetic device that executes processing.
Further, in the funds use investigation method of the present invention, the information processing device maintains a distribution history of digital currency issued in connection with the green project in the storage device, and the information processing device stores the distribution history of the digital currency issued in connection with the green project, A process of extracting information from the distribution history and calculating the cash conversion rate of the digital currency for each of the parties involved, and a process of calculating the cash conversion rate of the digital currency for each of the parties involved, and processing of information on the parties whose cash conversion rate exceeds the standard to prevent the risk of using the digital currency for other purposes. It is characterized by executing processing to output as information.

According to the present invention, it is possible to efficiently and accurately trace the flow of funds related to green projects and prevent greenwashing with appropriate accuracy.

FIG. 1 is a network configuration diagram including a funds use investigation device according to the present embodiment. It is a diagram showing an example of the hardware configuration of the funds use investigation device in this embodiment. It is a diagram showing an example of the hardware configuration of a company system in this embodiment. It is a figure showing an example of composition of DC issue history DB of this embodiment. It is a diagram showing an example of the configuration of a DC payment history DB according to the present embodiment. It is a figure showing an example of composition of cash conversion history DB of this embodiment. It is a diagram showing an example of the configuration of a loan purpose/DC compatible DB according to the present embodiment. It is a figure showing an example of composition of a funds use table of this embodiment. It is a figure showing an example of a flow of a fund use investigation method in this embodiment. It is a figure showing an example of a total result in this embodiment. It is a figure showing an example of a total result in this embodiment. It is a figure showing an example of a total result in this embodiment. It is a figure showing an example of a total result in this embodiment. It is a figure showing an example of a total result in this embodiment. It is a figure showing an example of a total result in this embodiment. It is a figure which shows the example of a determination result in this embodiment.

<Network configuration>
Embodiments of the present invention will be described in detail below with reference to the drawings. FIG. 1 is a network configuration diagram including a funds use investigation device 100 of this embodiment. The fund use investigation device 100 shown in FIG. 1 is a computer that can efficiently and accurately trace the flow of funds related to green projects and prevent green washing with appropriate accuracy.

As shown in FIG. 1, the fund use investigation device 100 of this embodiment is communicably connected to a corporate system 200, a financial institution system 300, etc. via a network 1. Therefore, these may be collectively referred to as the fund use investigation system 10.

The funds use investigation device 100 of this embodiment is assumed to be a system of a financial institution that handles the issuance of digital currency and processing of cash conversion, that is, a system of a business operator that cooperates with the financial institution system 300. However, the present invention is not limited to this type of system.

On the other hand, the corporate system 200 receives the digital currency issued by the above-mentioned financial institution system 300 (or the fund use investigation device 100) under the name of loan for a green project, and supplies, services, and personnel necessary for the execution of the green project. The system will be used to raise funds such as.
<Hardware configuration>
Further, the hardware configuration of the fund use investigation device 100 of this embodiment is shown in FIG. 2 as follows.

That is, the funds use investigation device 100 includes a storage device 101, a memory 103, and a calculation device 104.
, and a communication device 105.

Among these, the storage device 101 is configured with an appropriate nonvolatile storage element such as an SSD (Solid State Drive) or a hard disk drive.

Furthermore, the memory 103 is composed of a volatile storage element such as a RAM.

In addition, the arithmetic device 104 stores the program 102 held in the storage device 101 in the memory 102.
The CPU performs general control of the device itself, and also performs various judgments, calculations, and control processes.

By executing the program 102 by this arithmetic unit 104, the DC usage record collection unit 110
, a fraud risk candidate extraction unit 111, and a result output unit 112.

Furthermore, the communication device 105 is assumed to be a network interface card or the like that connects to the network 1 and handles communication processing with the corporate system 200.

Note that the funds use investigation device 100 may further include an input device that accepts key inputs and voice inputs from an administrator, etc., and an output device such as a display that displays processed data.

Furthermore, in the storage device 101, in addition to a program 102 for implementing the functions necessary for the fund usage investigation device of this embodiment, a DC issuance history DB 125, a DC payment history DB 126 are stored.
, cash conversion history DB 127, loan purpose/DC correspondence DB 128, and payment usage table 129
is at least remembered. However, details regarding these databases and tables will be described later.

Further, the hardware configuration of the corporate system 200 of this embodiment is shown in FIG. 3 as follows.

That is, the corporate system 200 includes a storage device 201, a memory 203, a calculation device 204, and a communication device 205.

Among these, the storage device 201 is configured with an appropriate nonvolatile storage element such as an SSD (Solid State Drive) or a hard disk drive.

Furthermore, the memory 203 is composed of a volatile storage element such as a RAM.

Further, the arithmetic device 204 stores the program 202 held in the storage device 201 in the memory 202.
The CPU performs general control of the device itself, and also performs various judgments, calculations, and control processes.

By executing the program 202 by this arithmetic unit 204, the DC payment unit 210 and the
A function such as a C-cash converting unit 211 will be implemented.

Further, the communication device 205 is assumed to be a network interface card or the like that connects to the network 1 and handles communication processing with the funds use investigation device 100.

Note that the corporate system 200 may further include an input device that accepts key input and voice input from a user, and an output device such as a display that displays processed data.

Furthermore, in the storage device 201, in addition to a program 202 for implementing functions necessary for the corporate system 200 of this embodiment, at least possessed DC information 225 is stored. However, details regarding this retained DC information 225 will be described later.
<Data structure example>
Next, various types of information used by the fund use investigation device 100 of this embodiment will be explained. FIG. 4 shows an example of the DC issue history DB 125 in this embodiment.

The DC issuance history DB 125 of this embodiment stores information on digital currency (DC) issued by the financial institution system 300 for companies involved in a green project in conjunction with financing for the green project. 1
00 is the acquired and stored table.

Regarding the basic technology for collecting and managing information regarding the distribution of digital currency, please refer to
Existing blockchain technology, etc. will be adopted as appropriate (therefore, detailed explanation will be omitted)
. This DC issuance history DB 125 includes, for example, a remittance source that indicates a financial institution that executes a digital currency loan, using an issuance ID that uniquely indicates a digital currency issuance opportunity (also referred to as identification information for a green project loan) as a key. It is a collection of records that link data such as the remittance destination indicating the company that received a green project loan from the financial institution and the amount indicating the loan amount.

Further, FIG. 5 is a diagram showing a configuration example of the DC payment history DB 126 of this embodiment. The DC payment history DB 126 of this embodiment stores information on how the digital currency issued by the above-mentioned remittance source financial institution is used for payment, starting from the remittance destination (loan recipient) company. It stores historical information that traces the number of dolphins.

This DC payment history DB 126 is a collection of records in which values such as a remittance source, a remittance destination, a payment purpose, an amount, and an issue ID are associated with a payment ID as a key. Note that the figure shows an example of "green equipment" as the value in the payment usage column, but this was determined by comparing the specific attributes of the equipment with the fund usage table 129 (Figure 8), which will be described later. It is a value.

In addition, companies that have received loans in digital currency from financial institutions and their business partners use the DC payment unit 210 of their own company system 200 to settle payments for the procurement of items necessary for implementing green projects. I will do it.

Moreover, FIG. 6 is a diagram showing an example of the configuration of the cash conversion history DB 127 of this embodiment. The cash conversion history DB 127 of the present embodiment stores information about the digital currency obtained from the "remittance source" company by the "remittee" company included in the record of the DC payment history DB 126 in the financial institution system 300.
It stores the history of requests made and converted into cash.

Incidentally, companies attempting to convert such DC into cash refer to the held DC information 225 in their corporate system 200 and decide whether to convert some or all of it into cash. In that case, the DC cash converting unit 211 of the corporate system 200 receives instructions from a company representative, etc., and transmits the designated academic digital currency to the financial institution system 300 to undergo a predetermined procedure for converting it into cash.

This cash conversion history DB 127 is a collection of records in which the amount of cash converted by the company is associated with the "withdrawal source" indicating the company that converted the money into cash.

Further, FIG. 7 is a diagram showing a configuration example of the loan purpose/DC correspondence DB 128 of this embodiment. The loan purpose/DC correspondence DB 128 of this embodiment is a database that stores information indicating which green project the digital currency issuance case indicated by the record in the DC issuance history DB 125 is a loan case.

This loan purpose/DC correspondence DB 128 uses the loan ID as a key to identify the loan purpose and issuance ID.
It is a collection of records linked to D. Among these, the issuing ID is the DC
This corresponds to the value in the issue ID column in the issue history DB 125.

Further, FIG. 8 is a diagram showing a configuration example of the payment usage table 129 of this embodiment. The payment usage table 129 of this embodiment is a table that defines whether or not the usage of digital currency issued in a green project financing case as described above belongs to the green category.

This fund usage table 129 is a collection of records in which the payment usage is used as a key and the value of green category suitability for the payment usage is linked. In the example of FIG. 8, specific types of green equipment and green parts are specified as an example of payment usage, and general equipment and general parts are defined as other types.
<Flow example>
Hereinafter, the actual procedure of the fund use investigation method in this embodiment will be explained based on the drawings.
Various operations corresponding to the fund use investigation method described below are realized by a program that the fund use investigation device 100 reads into a memory or the like and executes. And this program is
It consists of codes for performing various operations explained below.

FIG. 9 is a diagram showing an example of the flow of the fund usage investigation method in this embodiment. in this case,
The DC usage record collection unit 110 of the fund usage research device 100 stores the data stored in the storage device 101.
Each record of the C issuance history DB 125, the DC payment history DB 126, the cash conversion history DB 127, and the loan purpose/DC correspondence DB 128 is referred to, and the data of each company in each DB is extracted (s1).

Subsequently, the fraud risk candidate extraction unit 111 of the funds use investigation device 100 uses the data obtained regarding each company in step s1 described above to identify companies that have received a loan in digital currency from a financial institution regarding a green project, that is, a lending company. Aggregation is performed for each category of companies that have received orders from loanee companies and provided goods and services, that is, client companies (s5).

In this embodiment, FIG. 10 shows an example of aggregation results for loanee companies, and FIG. 11 shows an example of aggregation results for business partner companies.

The aggregation results shown in Figure 10 are based on the DC payment information, from each perspective of green usage DC, green usage analogy DC, non-green usage DC, and cash conversion, as well as the company's green DC payment destination,
This is a table in which data is aggregated from the perspective of green DC payment destinations and non-green DC payment destinations.

Among these, "Green Utilization DC" refers to things for green use (DC in Figure 5) out of the digital currency (the amount indicated by the record in the DC issuance history DB 125 in Figure 4) obtained by the lending company through a loan from a financial institution. This is a total value of the total amount of digital currency used for payment for green equipment or green parts in the payment history DB 126.

In addition, "green usage analogy DC" refers to non-green usage (Figure 5 (In the DC payment history DB126, the payment purpose is general equipment, general parts, and land)
However, it is the total value of the total amount of digital currency used for payment of green-use items purchased using data with a different issuing ID and the same financing ID.

In addition, "non-green usage DC" refers to the above-mentioned "green usage DC" and "green usage analogy" out of the digital currency obtained through loans from financial institutions (the amount indicated by the record of DC issuance history DB 125 in Figure 4). The value is the total amount excluding "DC".

It should be noted that "cash conversion" is a value obtained by adding up the amount of cash conversion in the cash conversion history DB 127.

In addition, the aggregation results shown in Figure 11 are based on the DC payment information regarding the above-mentioned business partner companies.
This is a table in which data is aggregated in terms of C receipt information, DC payment information, and the number of related loan IDs.

Among these, DC receipt information is a total of the amount of digital currency received as payment proceeds from lending companies and other business partners from the perspectives of green usage, green usage analogy, and non-green usage. The concept of these aggregations is the same as the example in FIG. 10.

In addition, DC payment information is the aggregate amount of payments made by the business partner company to further business partner companies (so-called Nth subcontractor companies) from the perspectives of green use, non-green use, and cash conversion. Become.

Note that the number of related loan IDs is a value obtained by counting the number of transactions in which the business partner company was involved, that is, the number of payments made in connection with the green project.

Here, the fraud risk candidate extraction unit 111 of the fund use investigation device 100 is configured as shown in FIGS.
Based on the aggregation results shown in , the digital currency conversion ratio is calculated for each of the loanee company and customer company, and it is determined whether the value (see Figure 12) exceeds a predetermined standard (s10
).

To calculate the cash conversion ratio, for example, calculate the percentage of the value of "cash conversion" out of the total value of "green use DC,""green use analogy DC,""non-green use DC," and "cash conversion." I will do it.

As a result of the above determination, if the cash conversion ratio is equal to or higher than the standard (s10: YES), the fraud risk candidate extraction unit 111 of the funds use investigation device 100 determines whether the company is a loanee company or a business partner company ( s11).

As a result of this determination, if the company is a loanee company (s11: loanee), the fraud risk candidate extraction unit 111 of the funds use investigation device 100 determines that there is a risk of using the digital currency for other purposes with respect to the loanee company. It is determined that the company is a high-quality company (s12), and upon receiving this, the result output unit 112 outputs information and ends the process.

On the other hand, as a result of the above determination, if the company is a business partner (s11: business partner), the fraud risk candidate extraction unit 111 of the funds use investigation device 100 determines whether the company is a business partner or not. Determine whether the number of counterparty companies (transaction target companies) with which the transaction has been carried out exceeds the standard (
s13).

In making this determination, the fraud risk candidate extraction unit 111 of the funds use investigation device 100 refers to the "number of related loan IDs" in FIG.
The value of "Number of DC Settlement Transactions" is compared with the standard value.

Note that this standard value can be determined by separately acquiring industry information for each client company (for example, assuming that each record in the DC payment history includes industry information regarding the remittance company), and then setting it for each industry. Calculate the average number of companies you do business with for your business partner companies, and use that average number as the standard value.

As a result of the above determination, if the number of transaction target companies is not equal to or greater than the standard (s13: YES), the fraud risk candidate extraction unit 111 of the funds use investigation device 100 determines that the risk of using the digital currency for other purposes is high for the transaction partner company. It is determined that the company is a company (s14), and the result output unit 112 receives the determination.
outputs information and ends the process.

On the other hand, if the result of the above judgment is that the number of target companies is equal to or higher than the standard (s13: NO),
The fraud risk candidate extraction unit 111 of the fund use investigation device 100 determines that the business partner company has a medium risk of using digital currency for other purposes (s15), and upon receiving this, the result output unit 112 outputs information. and end the process.

On the other hand, if the result of the judgment in s10 above is that the cash conversion ratio is smaller than the standard (s
10: NO), the fraud risk candidate extraction unit 111 of the fund use investigation device 100 calculates the proportion of the uses of each payment using digital currency as funds for the company that do not match the predetermined green category ( (see Figure 15) and determines whether the ratio exceeds the standard (s1
6). Note that this determination is also performed for the lending company (see FIG. 16).

As a result of the above judgment, if the proportion of the uses of each payment using digital currency that does not match the predetermined green category does not exceed the standard (s16: NO), the fraud risk of the fund use investigation device 100 is determined. The candidate extraction unit 111 determines that the business partner company has a low risk of using the digital currency for other purposes (s18), and upon receiving this determination, the result output unit 112
outputs information and ends the process.

On the other hand, as a result of the above judgment, if the proportion of the uses of each payment using digital currency as funds that does not match the predetermined green category exceeds the standard (s16: YES), it is determined that the funds use investigation device 100 is fraudulent. The risk candidate extraction unit 111 determines that the business partner company has a medium risk of using the digital currency for other purposes (s17), and upon receiving this, the result output unit 112 outputs information and ends the process.

Note that the result evaluation unit 118 of the fund use investigation device 100 may generate a table (table 16000 in FIG. 16) that aggregates the determination results obtained in the previous flows and output it.

Although the best mode for carrying out the present invention has been specifically described above, the present invention is not limited thereto and can be modified in various ways without departing from the gist thereof.

According to this embodiment, it is possible to efficiently and accurately trace the flow of funds related to green projects and prevent greenwashing with appropriate accuracy.

The description of this specification clarifies at least the following. That is, in the funds use investigation device of the present embodiment, the computing device collects each information of the loanee company that received the digital currency and the business partner company that has conducted transactions with the loanee company. A process of extracting from the distribution history and calculating the number of loanee companies or other business partner companies that are transaction target companies that have conducted transactions in the digital currency in each of the business partner companies, and the cash conversion rate. further executes a process of outputting information of a business partner company whose number of transaction target companies exceeds the standard, and whose calculated number of transaction target companies falls below the standard, as information on the risk of use of the digital currency for other purposes. It may be said that it is.

According to this, companies that have few transactions with companies that make payments using digital currency, or in other words, companies that tend to use hard-to-trace payment methods such as cash, are judged to have a high risk of using digital currency for other purposes. It becomes possible. In turn, it becomes possible to trace the flow of funds related to green projects more efficiently and accurately, and to prevent greenwashing with appropriate precision.

Further, in the funds use research device of the present embodiment, the computing device extracts information on the industry of each of the business partner companies from the distribution history, and extracts information on the business type of each of the business partner companies, and calculates the average of the business target companies among the business partner companies belonging to each industry. The average number may be calculated and the average number may be used as the standard for the number of transaction target companies.

According to this, it will be possible to set standards for the number of transactions with companies that make payments using digital currency, taking into account industry-specific backgrounds. In turn, it becomes possible to trace the flow of funds related to green projects more efficiently and accurately, and to prevent greenwashing with appropriate precision.

Further, in the funds use investigation device of the present embodiment, the computing device extracts information on business partner companies that have conducted transactions with the financing company that received the digital currency from the distribution history. , refer to the usage status of the digital currency obtained from the payment from the loanee company in each of the business partner companies in the distribution history, and determine the usage of each payment using the digital currency as the source indicated by the usage status. , the process of calculating the percentage that does not meet the predetermined green category of things, and the information of the business partner company whose cash conversion rate exceeds the standard and who is not a participant whose cash conversion rate exceeds the standard, is calculated using the digital currency. It may also be possible to further perform a process of outputting as information on the risk of use for purposes other than the intended purpose.

According to this, it is possible to accurately identify companies that are inappropriate as business partners (business partners from the perspective of lending companies) that should use funds for green projects, that is, companies that are likely to use funds for things other than the green category. . In turn, it becomes possible to trace the flow of funds related to green projects more efficiently and accurately, and to prevent greenwashing with appropriate precision.

Further, in the funds use research device of the present embodiment, the computing device extracts information on the lending companies that have issued the digital currency from the distribution history, and extracts information on the usage status of the digital currency at each of the lending companies. A process of referring to the distribution history and calculating a proportion of the uses of each payment using the digital currency as indicated by the usage status that do not correspond to things in a predetermined green category; and It may further be possible to perform a process of outputting information on a lending company that is not a participant that exceeds the standard and whose ratio exceeds the standard as information on the risk of using the digital currency for other purposes.

According to this, it becomes possible to accurately identify companies that tend to use funds for things other than the green category as loan recipient companies. Furthermore, the flow of funds related to green projects,
It becomes possible to trace more efficiently and accurately and prevent greenwashing with appropriate precision.

Further, in the fund use investigation method of the present embodiment, the information processing device collects information on a loanee company that received the digital currency and a business partner company that has conducted transactions with the loanee company. , a process of extracting from the distribution history and calculating the number of loanee companies or other business partner companies that are transaction target companies that have conducted transactions with the digital currency in each of the business partner companies, and the conversion into cash. further execute a process of outputting information on a business partner company whose rate exceeds the standard and whose calculated number of transaction target companies falls below the standard as information on the risk of use of the digital currency for other purposes. You can also use it as

Further, in the fund usage investigation method of the present embodiment, the information processing device extracts information on the industry of each of the business partners from the distribution history, and extracts information on the business type of the business partner companies belonging to each industry. An average number may be calculated and the average number may be used as the standard for the number of transaction target companies.

Further, in the fund use investigation method of the present embodiment, the information processing device extracts information on a business partner company that has conducted transactions with a loan company that received the digital currency from the distribution history. Then, refer to the distribution history of the usage status of the digital currency obtained from the payment from the loanee company at each of the business partner companies, and determine the purpose of each payment using the digital currency as the source indicated by the usage status. Among them, the process of calculating the percentage that does not meet the predetermined green category, and the information of business partners whose cash conversion rate exceeds the standard and who are not involved, and whose percentage exceeds the standard, are transferred to the digital currency. It is also possible to further perform a process of outputting the information as information on the risk of use for purposes other than the intended purpose.

Further, in the funds use research method of the present embodiment, the information processing device extracts information on the loanee companies that have issued the digital currency from the distribution history, and extracts information on the use of the digital currency at each of the loanee companies. A process of referring to the situation in the distribution history and calculating a proportion of the uses of each payment using the digital currency as indicated by the usage situation that does not match a predetermined green category, and the conversion rate to cash. It is also possible to further perform a process of outputting information on a lending company whose ratio exceeds the standard and who is not a participant whose ratio exceeds the standard as information on the risk of using the digital currency for other purposes.

1 Network 10 Fund usage investigation system 100 Fund usage investigation device 101 Storage device 102 Program 103 Memory 104 Arithmetic device 105 Communication device 110 DC usage record collection unit 111 Fraud risk candidate detection unit 112 Result output unit 125 DC issuance history DB
126 DC payment history DB
127 Cash conversion history DB
128 Loan purpose/DC compatible DB
129 Fund usage table 200 Corporate system 201 Storage device 202 Program 203 Memory 204 Arithmetic device 205 Communication device 210 DC payment section 211 DC cash conversion section 225 Possession DC information 300 Financial institution system

Claims (10)

a storage device that holds the distribution history of digital currency issued regarding the green project;
Information on the conversion process of the digital currency to those involved in the green project,
A process of extracting from the distribution history and calculating the cash conversion rate of the digital currency for each of the parties involved, and outputting information on the parties whose cash conversion rate exceeds a standard as information on the risk of using the digital currency for other purposes. an arithmetic device that performs processing;
A funds use investigation device comprising: The arithmetic device is
Information on the financing company that issued the digital currency and the business partner companies that conducted transactions with the financing company is extracted from the distribution history, and the information of each of the business partner companies is extracted from the distribution history.
A process of calculating the number of lending companies or other business partner companies that are transaction target companies that have conducted transactions in the digital currency, and a process of calculating the number of companies that are involved in the transaction and whose cash conversion rate exceeds the standard, and who are involved in the calculation further executes a process of outputting information on business partner companies whose number of transaction target companies falls below the standard as information on the risk of use of the digital currency for other purposes;
The funds use investigation device according to claim 1, characterized in that: The arithmetic device is
Information on the industry of each of the business partner companies is extracted from the distribution history, the average number of the business partner companies belonging to each industry is calculated, and the average number is calculated as the number of the business partner companies. The standard is
3. The funds use investigation device according to claim 2. The arithmetic device is
Information on business partner companies that have conducted transactions with the financing company that issued the digital currency is extracted from the distribution history, and information on each of the business partner companies' profits from payments from the financing company is extracted from the distribution history. a process of referring to the usage status of the digital currency in the distribution history, and calculating a percentage of the uses of each payment using the digital currency as the source indicated by the usage status that do not match a predetermined green category; , is not a participant whose cash conversion rate exceeds the standard, and
further executing a process of outputting information on business partners whose ratio exceeds a standard as information on the risk of use of the digital currency for other purposes;
The funds use investigation device according to claim 1, characterized in that: The arithmetic device is
Information on the lending companies that have issued the digital currency is extracted from the distribution history, the usage status of the digital currency at each of the lending companies is referred to in the distribution history, and the digital currency indicated by the usage status is extracted from the distribution history. A process that calculates the percentage of the usage of each payment using the funds that does not meet the predetermined green category, and a loan that is not a participant whose cash conversion rate exceeds the standard and where the percentage exceeds the standard. further executing a process of outputting information on the preceding company as information on the risk of use of the digital currency for purposes other than the intended purpose;
The funds use investigation device according to claim 1, characterized in that: The information processing device
The storage device maintains the distribution history of digital currencies issued regarding green projects,
Information on the conversion process of the digital currency to those involved in the green project,
A process of extracting from the distribution history and calculating the cash conversion rate of the digital currency for each of the parties involved, and outputting information on the parties whose cash conversion rate exceeds a standard as information on the risk of using the digital currency for other purposes. perform the process to
A method for investigating the use of funds, which is characterized by: The information processing device
Information on the financing company that issued the digital currency and the business partner companies that conducted transactions with the financing company is extracted from the distribution history, and the information of each of the business partner companies is extracted from the distribution history.
A process of calculating the number of lending companies or other business partner companies that are transaction target companies that have conducted transactions in the digital currency, and a process of calculating the number of companies that are involved in the transaction and whose cash conversion rate exceeds the standard, and who are involved in the calculation further executing a process of outputting information on a business partner company whose number of business partners falls below a standard as information on the risk of use of the digital currency for other purposes;
7. The fund use investigation method according to claim 6. The information processing device
Information on the business type of each of the business partner companies is extracted from the distribution history, the average number of the business partner companies belonging to each industry is calculated, and the average number is calculated as the number of the business partner companies. As a standard,
8. The fund use investigation method according to claim 7. The information processing device
Information on business partner companies that have conducted transactions with the financing company that issued the digital currency is extracted from the distribution history, and each of the business partner companies obtains profits from payments from the financing company. a process of referring to the usage status of the digital currency in the distribution history and calculating a proportion of the uses of each payment using the digital currency as the source indicated by the usage status that do not match a predetermined green category; , is not a participant whose cash conversion rate exceeds the standard, and
further executing a process of outputting information on business partner companies whose ratio exceeds a standard as information on the risk of use of the digital currency for other purposes;
7. The fund use investigation method according to claim 6. The information processing device
Information on the lending companies that have issued the digital currency is extracted from the distribution history, the usage status of the digital currency at each of the lending companies is referred to in the distribution history, and the digital currency indicated by the usage status is extracted from the distribution history. A process that calculates the percentage of the usage of each payment using the funds that does not meet the predetermined green category, and a loan that is not a participant whose cash conversion rate exceeds the standard and where the percentage exceeds the standard. further performing a process of outputting information on the target company as information on the risk of use of the digital currency for other purposes;
7. The fund use investigation method according to claim 6.

Images