WO2021117515A1

WO2021117515A1 - Electronic asset management method, and electronic asset management device

Info

Publication number: WO2021117515A1
Application number: PCT/JP2020/044345
Authority: WO
Inventors: 康範橋本; 仁志夫山田; 丈利境; 開帆福地
Original assignee: 株式会社日立製作所
Priority date: 2019-12-13
Filing date: 2020-11-27
Publication date: 2021-06-17
Also published as: JP7316921B2; JP2021096503A

Abstract

In the present invention, an information processing device executes: a transaction information acquisition process for acquiring electronic asset transaction information 300, which is information relating to the handling of an electronic asset, from devices associated with entities involved in the handling; a tracking information creation process for creating electronic asset tracking information 500, which is information obtained by processing the electronic asset transaction information 300 of a device associated with a prescribed entity; a tracking information verification process for verifying the consistency between the created electronic asset tracking information, and the electronic asset transaction information 300 of a device associated with an information-sharing entity, which is an entity that handles an electronic asset but is not the prescribed entity; and a processing result notification process for outputting prescribed information if consistency was able to be verified.

Description

Electronic asset management method and electronic asset management device

The present invention relates to an electronic asset management method and an electronic asset management device.

=== Import by reference ===
This application claims the priority of Japanese Patent Application No. 2019-225308 filed on December 13, 2019 and incorporates it into this application by reference to its contents.
In the current situation where the digitization of commercial transactions is advancing, there is an increasing need to ensure the smooth distribution and reliability of electronic assets (here, electronic money, electronic bills and other digitized assets). For example, Patent Document 1 describes, as an example of a method for managing electronic assets, an invention for providing a system and method for managing division and transfer of electronically recorded claims, and specifically, electronically. A mechanism for managing the division and transfer of electronically recorded claims by sending and receiving information such as various notifications in cooperation with a claim recording institution is disclosed.

Japanese Patent No. 5634565

By providing the mechanism of Patent Document 1 by a financial institution, users who give and receive electronically recorded claims through the financial institution can be managed by electronically recorded claims. However, this technology is based on the premise that the electronic bond record management institution manages all records as a central institution, and there are cases where there are multiple management institutions, for example, different types of electronically recorded claims. In international transactions handled and transactions between different markets, records are managed in different ways, and there is a risk that the confidentiality and consistency of transaction data cannot be ensured. In particular, when electronically recorded claims are exchanged between a plurality of management entities, it is necessary to ensure the consistency of the exchange.

For example, suppose that X, which is a user company of financial institution A, issues an electronically recorded loan equivalent to 100 yen and transfers it to Y, which is a user company of financial institution B. Further, it is assumed that the transferred electronically recorded loan is divided and transferred to Z and W, which are user companies of financial institution C. At this time, if the total amount of the electronically recorded receivables transferred to Z and W is 100 yen or more, which is the amount at the time of issuance, for some reason such as an operation error, the user companies Z and W are involved. The consistency between the amount of receivables and the amount of debts of user company X will be broken. Therefore, it is conceivable to disclose the amounts of all transactions between financial institutions A to C and confirm their consistency with each other. However, in general, financial institutions and users often do not like to disclose transaction details such as amounts to third parties (data confidentiality requirements are required), so such an idea is not very realistic. Not really.

The present invention has been made in view of such a background, and an object of the present invention is an electronic asset capable of ensuring the integrity of the information of the transaction while preventing the transmission of predetermined information regarding the transaction of the electronic asset. The purpose is to provide a management method and an electronic asset management device.

One of the present inventions for solving the above-mentioned problems is that the information processing apparatus acquires electronic asset transaction information, which is information on disposal of electronic assets, from each apparatus associated with each entity involved in the disposal. Transaction information acquisition processing to be performed, tracking information creation processing to create electronic asset tracking information which is information obtained by processing the acquired electronic asset transaction information of the device associated with a predetermined entity, and the above. Tracking information verification process that verifies the consistency between the created electronic asset tracking information and the electronic asset transaction information of the device associated with the information sharing entity that is the entity that disposes of the electronic asset other than the predetermined entity. And an electronic asset management method that executes a processing result notification process that outputs predetermined information when the consistency can be verified.

Another one of the present invention for solving the above-mentioned problems is transaction information in which electronic asset transaction information, which is information on disposal of electronic assets, is acquired from each device associated with each entity involved in the disposal. The acquisition process, the tracking information creation process for creating the electronic asset tracking information which is the information obtained by processing the acquired electronic asset transaction information of the device associated with the predetermined entity, and the created electronic device. The tracking information verification process for verifying the consistency between the asset tracking information and the electronic asset transaction information of the device associated with the information sharing entity that is the entity for disposing of the electronic assets other than the predetermined entity, and the above. It is an electronic asset management device having a calculation device that executes a processing result notification process that outputs predetermined information when the consistency can be verified.

According to the present invention, it is possible to ensure the consistency of the information of the transaction while preventing the transmission of predetermined information regarding the transaction of the electronic asset.

Issues, configurations and effects other than those described above will be clarified by the explanation of the following embodiments.

FIG. 1 is a diagram showing an example of a configuration and a function provided in the electronic asset management system according to the first embodiment. FIG. 2 is a diagram illustrating transactions of electronic assets assumed in each embodiment. FIG. 3 is a diagram showing an example of electronic asset transaction information. FIG. 4 is a diagram showing an example of processing target transaction information. FIG. 5 is a diagram showing an example of electronic asset tracking information. FIG. 6 is a diagram illustrating an example of hardware and functions included in each information processing device in the electronic asset management system. FIG. 7 is a flowchart illustrating an example of the electronic asset tracking information update process. FIG. 8 is a diagram illustrating an example of a method of creating electronic asset tracking information. FIG. 9 is a diagram illustrating an example of searching electronic asset tracking information having only an issue field as shared tracking information. FIG. 10 is a diagram illustrating an example (Example A) of searching electronic asset tracking information having an issue field and a transfer field as shared tracking information. FIG. 11 is a diagram illustrating another example (Example B) in which the electronic asset tracking information having the issue field and the transfer field is searched as the shared tracking information. FIG. 12 is a flowchart illustrating the details of the verification process. FIG. 13 is a diagram illustrating an example of a method of adding additional tracking information to the electronic asset tracking information in the case of the first example. FIG. 14 is a diagram illustrating an example of a method of creating additional tracking information in the case of the second example. FIG. 15 is a diagram illustrating an example of a method for verifying the consistency of monetary amounts in the case of the first example. FIG. 16 is a diagram illustrating an example of a method for verifying the consistency of monetary amounts in the case of the second example. FIG. 17 is a diagram illustrating an example of a process for verifying a match of hash information in the first example. FIG. 18 is a diagram illustrating an example of a process for verifying a match of hash information in the second example. FIG. 19 is a diagram showing an example of the configuration of the electronic asset management system according to the second embodiment. FIG. 20 is a diagram showing an example of a company rank master. FIG. 21 is a diagram illustrating an example of electronic asset tracking information according to the second embodiment. FIG. 22 is a diagram showing an example of user exchange condition information. FIG. 23 is a diagram showing an example of information on desired exchange cases. FIG. 24 is a flowchart illustrating an example of the electronic asset tracking information update process according to the second embodiment. FIG. 25 is a diagram showing an example of a method of updating electronic asset tracking information when cash is applied. FIG. 26 is a diagram illustrating an example of a process of notifying a change in the rank of a company. FIG. 27 is a diagram illustrating an example of a method of exchanging electronic assets. FIG. 28 is a diagram showing an example of blockchain data according to the third embodiment. FIG. 29 is a flowchart illustrating an example of processing executed by each node by the smart contract unit.

Hereinafter, embodiments of the present invention (Examples 1, 2, and 3) will be described with reference to the drawings.

[[Example 1]]
<System configuration>
FIG. 1 is a diagram showing an example of a configuration and a function provided in the electronic asset management system 1 according to the first embodiment. The electronic asset management system 1 is managed by each financial institution, which is communicably connected to the electronic asset management device 100 that manages the electronic assets handled by each financial institution and the electronic asset management device 100 via the communication network 2. It is configured to include one or a plurality of access terminals 50 and one or a plurality of transaction service devices 70 managed by each financial institution, which are communicably connected to the electronic asset management device 100 via a communication network 2. There is.

The access terminal 50 is an information processing device installed in a business office, data center, or the like of each bank. The access terminal 50 edits and browses the information stored in the electronic asset management device 100 based on the input from the user of each financial institution.

The transaction service device 70 is an information processing device installed in a business office, data center, or the like of each bank. Each transaction service device 70 manages transactions of electronic assets performed in response to requests from each customer (company, etc.), and stores electronic asset transaction information 300, which is information on the history of disposal of those electronic assets. There is.

Note that each access terminal 50 and each transaction service device 70 may be installed across a plurality of countries or regions.

In each embodiment including this embodiment, electronic assets are electronic information assets (value exchange media) whose value is guaranteed to a certain extent by financial institutions such as electronic money, electronic corporate bonds, electronic bills, and virtual currencies. To say. In each embodiment, electronic bills are mainly assumed. The electronic asset may include a plurality of types of electronic assets.

(Transaction form of electronic assets)
FIG. 2 is a diagram illustrating transactions of electronic assets assumed in each embodiment. For electronic assets, the issuing bank 4 issues and disposes of the electronic assets 5 based on the request of the issuing requesting entity 3 (company, etc.) who is the issuing holder of the electronic assets, and each transfer requesting entity 6 which is the transaction holder of the electronic assets. Transfer disposal of electronic assets 15 by each bank 7 based on the request of (company, etc.) and redemption disposal 55 of electronic assets by

banks

7 and 9 based on the request of redemption requesting entity 8 (company, etc.) It is traded by each disposal including (cashing). Further, the transfer disposition 15 may include a split transfer disposition 25 in which the transferred electronic asset is divided and transferred to a plurality of

banks

7 and 9.

Since it is preferable for each bank to be able to guarantee or confirm the authenticity of the disposal (transaction) of electronic assets by other banks in connection with the disposal (transaction) of electronic assets handled by its own bank, each implementation is carried out. In the example, information is shared among multiple banks to the extent necessary for the disposal of electronic assets. That is, information on the former disposition for the disposition made by a certain bank (more disposition on the issuing side. For example, for the bank 9 in charge of redemption, the former bank 7 and the former issuing bank 4 Information on the transaction) and information on the latter disposition (the disposition on the redemption side. For example, for the issuing bank 4, the latter bank 7 and the two

banks

7 and 9 in charge of the latter redemption. Information) is shared by each party (subject).

However, since it is only necessary to ensure the authenticity of the disposal, in order to ensure the confidentiality of the information, the information on the amount of money will be shared in a hashed or encrypted state. Hereinafter, such an entity (bank, etc.) within a predetermined range for sharing information on the disposal of electronic assets is referred to as an information sharing entity.

(Electronic asset transaction information)
Subsequently, FIG. 3 is a diagram showing an example of the electronic asset transaction information 300 held by each bank. The electronic asset transaction information 300 includes a transaction ID item 311 in which an identifier (transaction ID) for disposal of electronic assets is set, and a dependent ID item 312 in which the transaction ID for the former disposal indicated by the transaction ID item 311 is set. Type ID item 313 where the type of disposal related to transaction ID item 311 is set, former bank item 314 where the ID of the disposal source bank related to transaction ID item 311 is set, and customer for the bank related to former bank item 314 Former company item 315 where the ID is set, the destination bank item 316 where the ID of the disposal destination bank related to the transaction ID item 311 is set, and the destination where the customer ID for the bank related to the destination bank item 316 is set. It is composed of at least one or more records 320 having each item 310 of the company item 317 and the amount item 318 in which the disposal amount in the disposal according to the transaction ID item 311 is set.

For example, when the type ID item 313 is "issue", it means that the disposal is the issuance disposal 5 of the electronic asset. When the type ID item 313 is "remittance", it means that the disposal is the transfer disposal 15 (or the split transfer disposal 25) of the electronic asset (note that the "remittance" is an internal remittance that is a transfer within the bank. And there are external remittances that are transfers between different banks). When the type ID item 313 is "monetized", it means that the disposal is the redemption disposal 55 of the electronic asset. Further, when the type ID item 313 is "cash appropriation", the disposition means that the company has paid the bank cash corresponding to the electronic assets (for redemption). “Cash appropriation” will be described in the second embodiment.

For the sake of simplicity, the identifier related to transaction ID item 311 shall be uniquely determined for each bank.

Next, the electronic asset management device 100 shown in FIG. 1 is an information processing device that tracks the disposal of each electronic asset (transactions such as issuance, transfer, and redemption of electronic assets) performed by each bank.

The electronic asset management device 100 has one or more client areas 110 and a shared area 120.

The client area 110 is a storage area allocated to each bank, and is an area that can be accessed only by the access terminal 50 and the transaction service device 70 of the corresponding bank.

Each client area 110 stores the processing target transaction information 111. In addition, each client area 110 stores programs that realize the functions of the transaction information acquisition unit 112, the tracking information creation unit 113, the tracking information verification unit 114, and the processing result notification unit 115.

Here, the transaction information 111 to be processed will be described.

(Transaction target transaction information)
FIG. 4 is a diagram showing an example of processing target transaction information 111. The processing target transaction information 111 corresponds to the processing status item 411 in which information indicating whether or not the consistency of the disposal related to the transaction ID item 412 has been verified has been set, and the transaction ID item 311 in the electronic asset transaction information 300. Corresponds to transaction ID item 412, dependent ID item 413 corresponding to dependent ID item 312, transaction type item 414 corresponding to type ID item 313 of electronic asset transaction information 300, and former bank item 314 of electronic asset transaction information 300. Former bank item 415, former company item 416 corresponding to former company item 315 of electronic asset transaction information 300, destination bank item 417 corresponding to destination bank item 316 of electronic asset transaction information 300, destination company item of electronic asset transaction information 300 It has one or more records 420 having each item 410 of the destination company item 418 corresponding to 317 and the amount item 419 corresponding to the amount item 318 of the electronic asset transaction information 300.

Next, as shown in FIG. 1, the transaction information acquisition unit 112 associates the electronic asset transaction information 300, which is information on the disposal of the electronic asset, with each entity (bank) involved in the disposal, and each transaction service device. Obtained from 70. The transaction information acquisition unit 112 stores the acquired information in the processing target transaction information 111. The transaction information acquisition unit 112 is connected so as to be able to communicate with the transaction service device 70 of each bank.

The tracking information creation unit 113 is an electronic asset that is information obtained by processing the electronic asset transaction information 300 acquired by the transaction information acquisition unit 112 of the transaction service device 70 associated with a predetermined entity (bank). Tracking information 500 is created.

For example, the tracking information creation unit 113 irreversibly conceals (for example, hashing) the information of the amount of money included in the electronic asset transaction information 300 of the transaction service device 70 associated with the predetermined entity (bank). ) Is performed to create the electronic asset tracking information 500, which is the electronic asset transaction information 300 concealed.

Further, for example, the tracking information creation unit 113 encrypts the information of the amount of money included in the electronic asset transaction information 300 of the transaction service device 70 associated with the predetermined entity (bank) (for example, an encryption key). , Encryption with a public key or the like) to create electronic asset tracking information 500, which is electronic asset transaction information 300 encrypted.

The tracking information creation unit 113 is a property related to the transfer and disposal of electronic assets to a first entity (bank, company) based on the electronic asset transaction information 300 of the transaction service device 70 associated with the predetermined entity. Target value (eg, the amount of inflow of electronic assets into a bank or company) and the property value of the transfer of electronic assets from a first entity to a second entity (bank, company) (eg, a bank or company) The consistency with the outflow amount of electronic assets from a company to another bank or company) is verified, and when the consistency can be verified, the electronic asset tracking information 500 is created.

(Electronic asset tracking information)
FIG. 5 is a diagram showing an example of the electronic asset tracking information 500. The electronic asset tracking information 500 is information in which information on each disposal in the transaction including issuance, transfer, and redemption of each electronic asset is expressed in a tree structure.

That is, the electronic asset tracking information 500 has an issue field 505 as information regarding the issue disposal 5 of the electronic asset. The issuing field 505 is an issuing company field 511 in which the information of the issuing requesting entity 3 is set, a using bank field 512 in which the information of the issuing bank 4 is set, and an identifier (transaction ID) of the disposal (issue in this case) of the electronic asset. ) Is set, and a hash field 514 in which data obtained by hashing the issuance amount of the electronic asset is set. Note that the hash field 514 may be set to decryptable encrypted data.

Further, the electronic asset tracking information 500 has one or more transfer fields 515 as information regarding the transfer disposal 15 of the electronic asset. Each transfer field 515 is a bank field 522 in which information on

banks

7 and 9 to which the electronic assets are transferred is set, and a transaction ID in which an identifier (transaction ID) for disposal (here, transfer) of the electronic assets is set. It includes a field 523 and a hash field 524 in which hash data of the amount of electronic assets to be transferred is set.

Further, the transfer field 515 may have one or a plurality of division transfer fields 525 and 545 representing the division transfer disposal 25 inside the transfer field 515. These split transfer fields 525 and 545 include the same fields as the previous transfer field 515 (Bank of Use field 542, Transaction ID field 543, and Hash field 544).

Further, although not shown, the electronic asset tracking information 500 may include a redemption field as information regarding the redemption disposal 55 of the electronic asset, and this redemption field is, for example, the main body of disposal (here, redemption). It has information on

banks

7 and 9, information on the redemption requesting entity 8, transaction ID, and hash data of the redeemed (monetized) amount.

In each embodiment, it is assumed that the information to be hashed is only the amount information, but instead or in addition to this, other information such as confidential information held by each bank or company is hashed. It may be converted and stored in the electronic asset tracking information 500.

Next, as shown in FIG. 1, the tracking information verification unit 114 shares information with the electronic asset tracking information 500 created by the tracking information creation unit 113 and the main body of disposal of electronic assets other than the predetermined entity (bank). The consistency of the transaction service device 70 associated with the subject with the electronic asset transaction information 300 is verified.

For example, the tracking information verification unit 114 includes information on the electronic asset transaction information 300 concealed by the tracking information creation unit 113 and the amount of money included in the electronic asset transaction information 300 of the transaction service device 70 associated with the information sharing entity. Verify the identity of.

Further, for example, the tracking information verification unit 114 decrypts the electronic asset transaction information 300 encrypted by the tracking information creation unit 113, and the electronic asset transaction information 300 of the transaction service device 70 associated with the information sharing entity. Verify the identity with the amount information contained in.

Further, when the consistency can be verified, the tracking information verification unit 114 corresponds to the predetermined entity (bank) from the device (transaction service device 70 or access terminal 50) associated with the information sharing entity. The access to the electronic asset tracking information 500 corresponding to the electronic asset transaction information 300 of the attached device is permitted.

The processing result notification unit 115 outputs predetermined information when the consistency can be verified by the tracking information verification unit 114. The processing result notification unit 115 is connected so as to be able to communicate with the transaction service device 70 of each financial institution.

Next, the shared area 120 stores the electronic asset tracking information group 121, which is information including one or a plurality of electronic asset tracking information 500. The shared area 120 can be accessed from all client areas 110, but the electronic asset tracking information 500 is accessed only by a predetermined bank (transaction service device 70 or access terminal 50) to which access is permitted for each disposal. Can be done.

For example, the electronic asset tracking information 500 regarding the disposal of electronic assets by a certain bank can be accessed only by the information sharing entity (transaction service device 70 or access terminal 50) for the disposal.

Next, FIG. 6 is a diagram illustrating an example of hardware and functions included in each information processing device in the electronic asset management system 1. Each information processing device includes a computing device 11 such as a CPU (Central Processing Unit), a memory 12 such as a RAM (RandomAccessMemory) and a ROM (ReadOnlyMemory), an HDD (HardDiskDrive), and an SSD (SolidStateDrive). ), Etc., a communication device 14 that communicates with another information processing device, an input device 18 such as a keyboard, a mouse, or a touch panel, and an output device 16 such as a display or a touch panel.

Each function of each information processing device described above is performed by the hardware of each information processing device, or the arithmetic device 11 of each information processing device reads out each program stored in the memory 12 or the storage device 13. , It is realized by expanding it into the memory 12 and executing it. These programs can be read by, for example, a secondary storage device, a non-volatile semiconductor memory, a hard disk drive, a storage device such as an SSD (storage device 13), or an information processing device such as an IC card, an SD card, or a DVD. It is stored in a non-temporary data storage medium.

Next, the processing performed by the electronic asset management system 1 will be described. The electronic asset management system 1 executes an electronic asset tracking information update process for updating the electronic asset tracking information 500 at any time while checking the consistency of the electronic asset transaction information 300.

<Electronic asset tracking information update processing>
FIG. 7 is a flowchart illustrating an example of the electronic asset tracking information update process. The electronic asset tracking information update process is executed, for example, at a predetermined timing (for example, a predetermined time interval, a predetermined time) after the electronic asset management device 100 is activated.

First, the transaction information acquisition unit 112 of the electronic asset management device 100 receives the electronic asset transaction information 300 from the transaction service device 70 of each bank, and stores each received electronic asset transaction information 300 in the processing target transaction information 111. (S201).

For example, the transaction information acquisition unit 112 has a transaction ID item 311 of each record 320 of each electronic asset transaction information 300 received from the transaction service device 70, a dependent ID item 312, a type ID item 313, a former bank item 314, and a former company. The values of item 315, destination bank item 316, destination company item 317, and amount item 318 are set as transaction ID item 412, dependent ID item 413, transaction type item 414, and former bank in record 420 of the transaction information 400 to be processed, respectively. Set in item 415, former company item 416, destination bank item 417, destination company item 418, and amount item 419. A value is not set in the processing status item 411 of each record 420 included in the processing target transaction information 400 (it is assumed to be in an unprocessed state).

When acquiring the electronic asset transaction information 300, the transaction information acquisition unit 112 may acquire only the information of the difference from the previously acquired electronic asset transaction information 300.

Subsequently, the tracking information creation unit 113 determines whether or not the processing after S203, which will be described later, has been executed for the disposal of all the electronic assets registered in the processing target transaction information 111 (S202). For example, the tracking information creation unit 113 confirms the value (unprocessed / processed) of the processing status item 411 of each record 420 of the processing target transaction information 400.

If the processing after S203 is executed for all disposals (S202: YES), the electronic asset tracking information update processing ends (S212). On the other hand, if there is a disposition for which the processing after s203 has not been executed (S202: NO), the transaction information acquisition unit 112 selects one of those dispositions (S203). Specifically, the transaction information acquisition unit 112 selects one record 420 in the processing target transaction information 111 for which "processed" is not set in the processing status item 411.

Then, the transaction information acquisition unit 112 determines the type of disposal (hereinafter referred to as target disposal) selected in S203 (S204). Specifically, the transaction information acquisition unit 112 confirms the contents of the transaction type item 414, the former bank item 415, the destination bank item 417, and the like of the record 420 (hereinafter referred to as the selected record) selected in S203.

When the target disposal type is issuance (S204: issuance), the transaction information acquisition unit 112 executes the process of S210 described later in order to newly create the electronic asset tracking information 500. When the type of the target disposal is internal remittance (S204: remittance (internal)), the transaction information acquisition unit 112 executes the process of S211 described later without creating or updating the electronic asset tracking information 500. Further, when the type of the target disposal is external remittance or redemption (S204: remittance (external), monetization), the transaction information acquisition unit 112 executes the process of S205 described later in order to update the electronic asset tracking information 500. To do.

In S210, the tracking information creation unit 113 creates information on the target disposal in the electronic asset tracking information 500.

FIG. 8 is a diagram illustrating an example of a method of creating the electronic asset tracking information 500. The tracking information creation unit 113 sets the value of the destination company item 418 of the selection record 420A of the processing target transaction information 400 in the issuing company field 511 of the electronic asset tracking information 500, and sets the value of the destination bank item 417 in the used bank field 512. The transaction ID item 412 is set in the transaction ID field 513, and the information 419A obtained by hashing the amount item 419 is set in the hash field 514. No information is set in the transfer field 515 at this time.

The tracking information creation unit 113 adds the electronic asset tracking information 500 created in this way to the electronic asset tracking information group 121. Further, the tracking information creation unit 113 updates the value of the processing status item 411 of the selection record 420A in the processing target transaction information 400 to "processed". After that, the process of S211 is performed.

Next, as shown in S205 of FIG. 7, when the type of the target disposal is external remittance or redemption (S204: remittance (external), monetization), the tracking information creation unit 113 is an information sharing entity regarding the target disposal. The electronic asset tracking information 500 (hereinafter referred to as shared tracking information) in which the information of disposal by the user is registered is searched from the electronic asset tracking information group 121. For example, the tracking information creation unit 113 searches for the latter disposition of the target disposition and the former disposition of the target disposition.

Specifically, for example, the tracking information creation unit 113 has the same value as the dependent ID item 413 of the selection record 420A of the processing target transaction information 400, which is the transaction ID field 513 of the issue field 505 (transaction ID field 523 of the transfer field 515). If there is electronic asset tracking information 500 set in (may be), the electronic asset tracking information 500 is acquired as shared tracking information (the former disposal). However, if the tracking information creation unit 113 cannot acquire such electronic asset tracking information 500 (for example, because the disposal is an internal disposal (remittance) of the bank), the dependent ID item of the selection record 420A Another record of the transaction information 400 to be processed, in which the value of 413 is set in the transaction ID item 412, is specified, and the value of the dependent ID item 413 of that record is set in the transaction ID field 513 of the issue field 505. Acquires the electronic asset tracking information 500 as shared tracking information. If the corresponding electronic asset tracking information 500 (shared tracking information) cannot be acquired, the tracking information creation unit 113 sets the value of the dependent ID item 413 of the other record of the processing target transaction information 400 specified earlier. Is repeatedly searched for the electronic asset tracking information 500 set in the transaction ID field 513 of the issuing field 505 to identify the shared tracking information.

Here, a specific example will be described.

FIG. 9 is a diagram illustrating an example in which the electronic asset tracking information 500 having only the issue field 505 is searched as the shared tracking information. The tracking information creation unit 113 acquires the dependent ID item 413 “0043” of the selection record 420A. Then, the tracking information creation unit 113 refers to each electronic asset tracking information 500, and sets the same value as “0043” previously acquired from the selection record 420A in the transaction ID field 513 of the issue field 505. The tracking information 500 is searched from the electronic asset tracking information group 121, and the element 510 of the searched electronic asset tracking information 500 is acquired.

FIG. 10 is a diagram illustrating an example (hereinafter referred to as A example) in which the electronic asset tracking information 500 having the issue field 505 and the transfer field 515 is searched as shared tracking information. The tracking information creation unit 113 acquires the value of the dependent ID item 413 “0045” of the selection record 420A. Then, the tracking information creation unit 113 refers to each electronic asset tracking information 500 of the electronic asset tracking information group 121, and first selects the record 420A in the transaction ID field 513 of the issue field 505 or the transaction ID field 523 of the transfer field 515. The electronic asset tracking information 500 for which "0045" is set, which is obtained from the above, is searched, but here, it is assumed that the corresponding electronic asset tracking information 500 does not exist. Then, the tracking information creation unit 113 searches the processing target transaction information 400 for another record 420B having "0045" of the previous dependent ID item 413 as the value of the transaction ID item 412, and searches for another record 420B of the other record 420B. Acquires the dependent ID item 413 "0043". The tracking information creation unit 113 again searches each electronic asset tracking information 500 of the electronic asset tracking information group 121, and the transaction ID field 513 of the issue field 505 is set to the same value as the previous value "0043". The asset tracking information 500 is discovered, and the element 510 of the electronic asset tracking information 500 is acquired as shared tracking information.

FIG. 11 is a diagram illustrating another example (hereinafter referred to as B example) in which the electronic asset tracking information 500 having the issue field 505 and the transfer field 515 is searched as the shared tracking information. The tracking information creation unit 113 acquires the dependent ID item 413 “0051” of the selection record 420A. Then, the tracking information creation unit 113 refers to each electronic asset tracking information 500 of the electronic asset tracking information group 121, and first selects the record 420A in the transaction ID field 513 of the issue field 505 or the transaction ID field 523 of the transfer field 515. The electronic asset tracking information 500 for which "0051" is set obtained from is searched from the electronic asset tracking information group 121, but here, it is assumed that the corresponding electronic asset tracking information 500 is not found. In this case, the tracking information creation unit 113 searches the processing target transaction information 400 for another record 420B having the destination ID item 413 “0051” as the value of the transaction ID item 412, and searches for another record 420B of the other record 420B. Acquires the dependent ID item 413 "0046". The tracking information creation unit 113 again refers to each electronic asset tracking information 500 of the electronic asset tracking information group 121, and the transaction ID field 513 of the issue field 505 or the transaction ID field 523 of the transfer field 515 is the same as the previous “0043”. When the electronic asset tracking information 500 in which the value is set is searched, the electronic asset tracking information 500 in which the value is set is found in the transaction ID field 523 of the transfer field 515. Therefore, the tracking information creation unit 113 acquires the element 520 of the transfer field 515 in the electronic asset tracking information 500.

Then, as shown in FIG. 7, when the shared tracking information can be acquired from the electronic asset tracking information 500 (S206: Yes), the tracking information creation unit 113 executes the process of S207 described below to perform the shared tracking information. When the electronic asset tracking information 500 cannot be obtained (S206: none), the tracking information creation unit 113 executes the process of S211 described later.

In S207, the tracking information creation unit 113 verifies whether or not the shared tracking information acquired in S205 and the electronic asset transaction information 300 (processed transaction information 111) managed by each transaction service device 70 are consistent. If it is determined that the verification process is consistent, information regarding the target disposal to be added to the electronic asset tracking information 500 (hereinafter referred to as additional tracking information) is created. The details of the verification process will be described later.

When the shared tracking information and the electronic asset transaction information 300 are consistent (S208: OK), the tracking information creation unit 113 adds additional tracking information to the electronic asset tracking information 500 to the electronic asset tracking information group 121. It is reflected (S209), and then the processing of S211 described below is executed. On the other hand, when the shared tracking information and the electronic asset transaction information 300 do not match (S208: NG), the tracking information creation unit 113 executes the process of S211.

In S211 the processing result notification unit 115 performs confirmation notification processing for transmitting information indicating the result of the verification processing to each transaction service device 70 of the cooperation partner. For example, the processing result notification unit 115 transmits information indicating that the verification of the shared tracking information in S207 has failed to the transaction service device 70 managed by each bank indicated by the shared tracking information. As a result, the partner bank will be able to manage risks in the transaction of electronic assets by canceling or canceling related transactions related to electronic assets. The processing result notification unit 115 may notify the information to all the transaction service devices 70.

When the tracking information verification unit 114 receives a request for viewing the electronic asset tracking information 500 from each device (each transaction service device 70 or access terminal 50) related to the information sharing entity verified in S207, each of them. Access to the information related to the target disposal and each disposal by the information sharing entity among the electronic asset tracking information 500 from the device is permitted (S213).

Specifically, for example, the tracking information verification unit 114 transmits electronic asset tracking information 500 related to the target disposal and each disposal by the information sharing entity to the transaction service device 70 or the access terminal 50, and the transaction service device 70 sends the information. Is displayed on a predetermined screen. Note that this process may be performed at any time in the electronic asset tracking information update process.

The electronic asset management device 100 executes the processes from S202 to S213 for the disposal of all the electronic assets in the transaction information 111 to be processed.

Next, the details of the verification process in the electronic asset tracking information update process will be described.

<Verification process>
FIG. 12 is a flowchart illustrating the details of the verification process. Here, the case shown in FIG. 10 (Example A) and the case shown in FIG. 11 (Example B) will be described as appropriate examples.

First, the tracking information creation unit 113 verifies the numerical validity of the amount of each verification, and also provides information to be added to the electronic asset tracking information 500 (that is, additional tracking information) when all the verifications are successful. Perform the process of creating (S910).

Specifically, first, the tracking information creation unit 113 acquires the information of the transaction to be verified, that is, the information of each disposal of the electronic asset by the information sharing entity corresponding to the target disposal from the processing target transaction information 111. (S911).

In the A example, the tracking information creation unit 113 acquires the content of the selection record 420A of the processing target transaction information 111 in which the transaction ID item 412 is “0068” (the record of the target disposal), and the dependent ID item 413 is “ Acquire the contents of another record 420B (record of the former transaction for the target disposal) which is "0043".

In the B example, the tracking information creation unit 113 acquires the content of the selection record 420A of the processing target transaction information 111 in which the transaction ID item 412 is “0070” (target disposal record), and the dependent ID item 413 is “ Acquire the contents of another record 420B (record of the former transaction of the target disposal) which is "0046".

The tracking information creation unit 113 hashes the amount of money information among the information acquired in S911 with a predetermined hash function or encrypts it with a predetermined encryption key (S912). As described above, the information to be hashed or encrypted may include confidential information (for example, confidential information held by each bank or organization indicated by the former bank item 415 and the former company item 416) in addition to the amount of money. Good (same for other steps).

The tracking information creation unit 113 creates information hashed or encrypted by S912 (hereinafter referred to as additional tracking information) (S913). This additional tracking information is then added to the electronic asset tracking information 500 as described in S209.

FIG. 13 is a diagram illustrating an example of a method of adding additional tracking information to the electronic asset tracking information 500 in the case of Example A. As shown in the figure, the tracking information creation unit 113 immediately after the element 520 in the transfer field after the issue field 505 of the electronic asset tracking information 500 (information already added based on the other record 420B described above). Create a new element 530. That is, the tracking information creation unit 113 sets the content of the transaction ID item 412 of the selection record 420A of the processing target transaction information 111 in the transaction ID field 533 of the new element 530, and sets the content of the destination bank item 417 to the new element 530. The information obtained by hashing (encrypting) the value of the amount item 419 is set in the hash field 534 of the new element 530.

FIG. 14 is a diagram illustrating an example of a method of creating additional tracking information in the case of Example B. As shown in the figure, the tracking information creation unit 113 adds a new split transfer field 525 to the element 520 (information already added based on the other record 420B described above) in the transfer field 515 of the electronic asset tracking information 500. Create element 540. That is, the tracking information creation unit 113 sets the content of the transaction ID item 412 of the selection record 420A of the processing target transaction information 111 in the transaction ID field 543 of the new element 540 in the split transfer field 525, and sets the content of the destination bank item 417. Is set in the used bank field 542 in the new element 540, and the hashed (or encrypted) information of the value of the amount item 419 is set in the hash field 544 of the new element 540.

Next, as shown in FIG. 12, the tracking information creation unit 113 verifies whether each amount of money indicated by each shared tracking information acquired in S911 is a positive value (S914). Specifically, for example, the tracking information creation unit 113 confirms that the value of the amount item 419 of each record of the processing target transaction information 111 acquired in S911 is larger than 0.

Further, the tracking information creation unit 113 verifies the consistency of the amount of money indicated by each shared tracking information acquired in S911 (S915). For example, the tracking information creation unit 113 verifies that there is no contradiction between the amount of electronic assets transferred to one bank and the amount of electronic assets transferred from that bank to another bank.

FIG. 15 is a diagram illustrating an example of a method for verifying the consistency of monetary amounts in the case of Example A. The shared tracking information of Example A is the issuance of ¥ 100 electronic assets of Bank X (in the name of Company A) and the split transfer of ¥ 20 electronic assets from Bank X to Bank Y (transferred from Company A to Company C). , The split transfer of electronic assets of ¥ 70 from Bank X to Bank Y (transferred from company A to company D), and the values of each transaction ID item 412 are "0043", "0046", and "0068". ". The disposal of the latest transaction ID "0068" has been added to the new element 530 of the split transfer field 525 of the electronic asset tracking information 500. In this case, the tracking information creation unit 113 confirms that the amount item 419 of the record of the transaction ID items 412 "0043" "0046" "0068" in the processing target transaction information 111 is positive (S914). Further, in the tracking information creation unit 113, regarding the disposal of Bank X, the amount (¥ 100) of the payment disposal (transaction ID “0043”) from Company A is transferred from Company A to Company C and Company D (Bank Y). Confirm that it is lower or equal to the total amount of disposal (transaction ID "0046", transaction ID "0068") (¥ 70 + ¥ 20 = ¥ 90) (S915).

FIG. 16 is a diagram illustrating an example of a method for verifying the consistency of monetary amounts in the case of Example B. In Example B, the shared tracking information is the transfer of electronic assets of ¥ 10 from Bank Y to Bank Z (changed from the name of Company Q to the name of Company R) and the transfer of electronic assets of ¥ 20 from Bank X to Bank Y (transfer of electronic assets from Bank X to Bank Y). Changed from the name of company A to the name of company C), and the values of the respective transaction ID items 412 are "0046" and "0070". The disposal of the latest transaction ID "0070" has been added to the new element 540 of the electronic asset tracking information 500. In this case, the tracking information creation unit 113 confirms that the amount item 419 of the record in which the transaction ID item 412 in the processing target transaction information 111 is "0046" and "0070" is positive (S914). Further, in the tracking information creation unit 113, the amount (¥ 10) of the remittance disposal from Bank Y to Bank Z (transaction ID "0070") is the amount of remittance disposal from Bank X to Bank Y (transaction ID "0046"). Confirm that it is lower or equal to the amount (¥ 20) (S915).

Next, as shown in FIG. 12, while the processing of S910 described above, the tracking information verification unit 114 executes verification by the information sharing subject with respect to the additional tracking information created in S910 (S920).

That is, first, the tracking information verification unit 114 acquires the processing target transaction information 111 related to each information sharing entity for the target disposal (S921). Specifically, for example, the tracking information verification unit 114 acquires each record of the processing target transaction information 111 in which the information of the information sharing entity is registered in the former bank item 415.

The tracking information verification unit 114 transmits information to the transaction service device 70 related to each requesting entity that verification regarding the target disposal is required, and each transaction service device 70 that receives this information stores itself. Information on transactions of electronic assets related to the target disposal may be extracted from the electronic asset transaction information 300, and a verification request including the extracted information may be transmitted to the electronic asset management device 100. Further, the tracking information verification unit 114 may accept the input of the amount of money by the user (the amount of the target disposal that the information sharing entity knows) via each transaction service device 70.

The tracking information verification unit 114 hashes the amount information among the transaction information acquired in S921 with a predetermined hash function by the same processing as in S912 (S922).

The tracking information verification unit 114 determines whether or not the information hashed in S922 and the information hashed in S913 match (S923).

When encryption is performed instead of hashing, the tracking information verification unit 114 may determine a match between the encrypted information, and the information on the amount of the transaction information acquired in S921 and the information on the amount of money may be used. It may be determined whether or not the information encrypted in S913 matches the decrypted information.

Here, FIG. 17 is a diagram illustrating an example of a process for verifying a match of hash information in the first example. Here, it is assumed that when the transfer of electronic assets from Bank X to Bank Y is performed, Bank X adds additional tracking information to the electronic asset tracking information 500, and Bank Y is the information sharing entity. Then, in S921 and S922, the tracking information verification unit 114 hashes the respective amounts (¥ 20, ¥ 70, respectively) of the disposal of the transaction IDs “0046” and “0068” in the processing target transaction information 111 related to Bank X. It is assumed that the hashed information 419B is obtained. In this case, the tracking information verification unit 114 acquires two

hash fields

524 and 534 in the element 520 of the transfer field 515 and the new element 530 of the electronic asset tracking information 500, which are added as additional tracking information. The tracking information verification unit 114 confirms that these

hash fields

524 and 534 match the hashed information 419B.

FIG. 18 is a diagram illustrating an example of a process for verifying a match of hash information in the second example. Here, when the transfer of electronic assets from Bank X to Bank Y and the transfer of electronic assets from Bank Y to Bank Z are performed, Bank Y adds additional tracking information to the electronic asset tracking information 500. , Bank X and Bank Z are the information sharing entities. Then, in S921 and S922, the tracking information verification unit 114 hashed the disposal amount (¥ 20) of the transaction ID "0046" in the processing target transaction information 111 related to the X bank, and obtained the hashed information 491C. To do. In this case, the tracking information verification unit 114 acquires the hash field 524 in the element 520 of the transfer field 515 of the electronic asset tracking information 500, which is added as additional tracking information. The tracking information verification unit 114 confirms that the hash field 524 and the hashed information 419C match. Similarly, it is assumed that the tracking information verification unit 114 has obtained information 419D in S921 and S922, which is a hash of the disposal amount (¥ 10) of the transaction ID "0070" in the processing target transaction information 111 related to Bank Y. The tracking information verification unit 114 acquires the hash field 544 in the new element 540 of the transfer field 515 of the electronic asset tracking information 500, which is added as additional tracking information. The tracking information verification unit 114 confirms that the hash field 544 and the hashed information 491D match.

Next, as shown in S924 of FIG. 12, the tracking information verification unit 114 records information to that effect when the verification is successful in S923. Specifically, for example, the tracking information verification unit 114 adds the electronic signature of the information sharing subject to the verified additional tracking information.

This completes the verification process.

In any of S914, S915, and S921, if the tracking information creation unit 113 or the tracking information verification unit 114 fails to verify, the tracking information verification unit 114 records that the processing related to the target disposal is impossible. You may.

Further, in all of S914, S915, and S921, when the tracking information creation unit 113 or the tracking information verification unit 114 succeeds in each verification, the tracking information verification unit 114 records that the processing related to the target disposal is completed. For example, the tracking information verification unit 114 sets the processing status item 411 of the selection record 420A of the processing target transaction information 111 to "processed".

As described above, in the electronic asset management method of this embodiment, the electronic asset management device 100 acquires the electronic asset transaction information 300 from each transaction service device 70 of each bank involved in the disposal of the electronic asset (processing). Target transaction information 111), processing (for example, hashing, encryption) of electronic asset transaction information 300 (processing target transaction information 111) from the transaction service device 70 of a predetermined bank (for example, the bank that disposes of remittance) The electronic asset tracking information 500 (electronic asset tracking information group 121) was created, and the electronic asset tracking information 500 and an entity other than the predetermined entity (for example, an information sharing entity such as a bank that received the remittance) ) Is verified with the electronic asset transaction information 300 of the transaction service device 70, and when the consistency can be verified, predetermined information is output.

In this way, the electronic asset management method checks the consistency of the information related to the electronic asset by using the processed information regarding the transaction of the electronic asset. As a result, each entity (related person in the transaction) regarding the electronic asset can guarantee the authenticity of the transaction in which the electronic asset is involved without the details of the transaction of the electronic asset being known to a third party.

As described above, according to the electronic asset management method of this embodiment, it is possible to ensure the consistency of the information of the transaction while preventing the transmission of information regarding the transaction of the electronic asset. For example, regarding the transaction of electronic assets, the reliability of the transaction can be enhanced while ensuring the confidentiality of the information of the parties concerned.

[[Example 2]]
In this embodiment, the processing of information linkage between financial institutions utilizing the electronic asset tracking information 500 will be described.

FIG. 19 is a diagram showing an example of the configuration of the electronic asset management system 1 according to the second embodiment. Hereinafter, only the points different from the first embodiment will be described. In the electronic asset management system 1 of this embodiment, the electronic asset management device 100 stores the company rank master 1601 regarding the rating of each trading party (company) in each client area 110.

Further, the processing result notification unit 1602 of each client area 110 performs a process different from that of the processing result notification unit 115 of the first embodiment. Further, the electronic asset management device 100 has a function of the proposal creation unit 1603 in each client area 110.

When the proposal creation unit 1603 determines that the electronic asset tracking information 500 has a predetermined change, the proposal creation unit 1603 transmits the information regarding the change to any of the transaction service devices 70.

For example, the proposal creation unit 1603 calculates the fluctuation of the cost required for redemption of the electronic asset or the fluctuation of the value of the electronic asset (for example, information on the cash procurement of the company, rating information) based on the electronic asset tracking information 500. , When it is determined that there is a predetermined change in the cost or value, information regarding the change in the cost or value is transmitted to any of the transaction service devices 70.

Further, for example, when the proposal creation unit 1603 determines that the cost required for redemption of the electronic asset is reduced by offsetting the plurality of electronic assets based on the electronic asset tracking information 500 relating to the plurality of different electronic assets. Information indicating the offset content is transmitted to any of the transaction service devices 70.

The electronic asset management device 100 stores in the shared area 120 electronic asset tracking information 500B having a configuration different from that of the electronic asset tracking information 500 of the first embodiment, user exchange condition information 600, and exchange desired case information 700. There is. The user exchange condition information 600 is information on the exchange conditions of electronic assets required by each company. The exchange request information 700 is information on exchange conditions required by each bank when exchanging electronic assets between banks.

First, the company rank master 1601 and the electronic asset tracking information 500B will be described.

(Company rank master)
FIG. 20 is a diagram showing an example of the company rank master 1601. The company rank master 1601 has each item 1910 of the company item 1911 in which the identification information of each company is set and the rank item 1912 in which the information indicating the rating (rank) of the company according to the company item 1911 is set. It is composed of the above records 1920. In this embodiment, it is assumed that the contents of the company rank master 1601 stored in each client area 110 are the same.

(Electronic asset tracking information)
FIG. 21 is a diagram illustrating an example of the electronic asset tracking information 500B according to the second embodiment. The issue field 505 of the electronic asset tracking information 500B of this embodiment has a monetization date field 1711 and an electronic asset rank field 1712 in addition to each field in the issue field 505 of the first embodiment. The cashing date field 1711 stores information on the due date (payment date) of cash to the bank for electronic assets (electronic bills, etc.) issued by the company indicated by the issuing company field 511. In the electronic asset rank field 1712, information on the creditworthiness of the issued electronic asset or the company involved in the issuance (the electronic asset specified by the transaction ID field 513 or the company specified by the issuing company field 511) is set. Information on other items is the same as in Example 1. The interest rate of electronic assets fluctuates according to the creditworthiness. That is, the value of electronic assets fluctuates substantially.

Next, the user exchange condition information 600 and the exchange desired project information 700 will be described.

(User exchange condition information)
FIG. 22 is a diagram showing an example of the user exchange condition information 600. The user exchange condition information 600 is composed of one or a plurality of condition tables 610 provided for each bank that handles electronic assets, and the condition table 610 is a user item 601 in which information of each company is set, and a company indicated by the user item 601. Information on the business partner of the electronic asset requested by the company is set. Information indicating the date when the company indicated by the issuer item 603 and the user item 601 can monetize the electronic asset is set. Monetization possible Consists of one or more records having each item of day item 605.

(Information on desired exchanges)
FIG. 23 is a diagram showing an example of exchange desired project information 700. The exchange request matter information 700 is a condition of the electronic asset that the bank can provide to the bank of the trading partner indicated by the request source item 701 and the request source item 701 in which the information of the bank requesting the exchange of the electronic asset is set (for example, electronic). Conditions for the bank that issues the asset, conditions for the company that requested the issuance of the electronic asset, conditions for the transaction ID related to the electronic asset, conditions for the cashable date of the electronic asset, conditions for the amount of the electronic asset, etc.) are set. It has each item of provision condition item 703 and receipt condition item 705 (information of the item corresponding to provision condition item 703 is set) in which the condition of the electronic asset that can be provided by the bank of the trading partner is set. Consists of one or more records.

Next, the electronic asset tracking information update process according to this embodiment will be described.

<Electronic asset tracking information update processing>
FIG. 24 is a flowchart illustrating an example of the electronic asset tracking information update process according to the second embodiment. Hereinafter, the points different from those of the first embodiment will be described.

First, in S204, the transaction information acquisition unit 112 executes the following processing when the type of disposal (target disposal) selected in S203 is issuance (S204: issuance).

That is, in S1701, the tracking information creation unit 113 creates the electronic asset tracking information 500B according to the second embodiment. Specifically, for example, the tracking information creation unit 113 sets payment date information (for example, set in processing target transaction information 400 or other information) in the monetization date field 1711 of the electronic asset tracking information 500B. Then, in the electronic asset rank field 1712, the value of the rank item 1912 of the record related to the company indicated by the issuing company field 511 in the company rank master 1601 is set. After that, the process of S1703 is performed.

Further, when the type of disposal (target disposal) selected in S203 is "cash appropriation" (S204: cash appropriation), the tracking information creation unit 113 executes the following processing.

That is, in S1702, the tracking information creation unit 113 updates the rank information and the payment due date information in the electronic asset tracking information 500B related to the target disposal.

FIG. 25 is a diagram showing an example of a method of updating the electronic asset tracking information 500B when cash is applied. When the target disposal of the transaction ID "0043" is "cash appropriation", the tracking information creation unit 113 acquires the electronic asset tracking information 500B corresponding to the transaction ID, and the issue field 505 of the acquired electronic asset tracking information 500B. Information that resets the cashing date field 1711 ("2019/09/24" → "**** / ** / **") and changes it to the rank indicated by the electronic asset rank field 1712 ("8" → highest The place "S") is set in the electronic asset rank field 1712. After that, the process of S1703 is performed.

Next, in S204 of FIG. 24, after the transaction information acquisition unit 112 performs each process according to the type of the target disposal, the process result notification unit 1602 adds the confirmation notification process described in the first embodiment to the following. Is processed.

That is, in S1703, when the processing result notification unit 1602 changes the rank (asset status) of a company due to the target disposal (cash appropriation, etc.) of the electronic asset by S1702, each of the cases related to the transaction of the electronic asset Notify financial institutions or companies. The processing result notification unit 1602 may notify all financial institutions (transaction service device 70) of the rank change.

FIG. 26 is a diagram illustrating an example of a process of notifying a change in the rank of a company. The processing result notification unit 1602 has changed the rank of the company due to cash allocation (see cashing date field 1711 and electronic asset rank field 1712). Transfer field 515 and split transfer field of electronic asset tracking information 500B related to electronic assets. With reference to 525, each bank (Bank Y, Bank Z) indicated by the used

bank fields

522 and 542 is specified. Then, the processing result notification unit 1602 transmits information indicating that the asset status has been changed to the information processing device such as the transaction service device 70 or the access terminal 50 related to each of these banks.

Next, when it is determined in S202 of FIG. 24 that the tracking information creation unit 113 has verified the disposal of all the electronic assets in the transaction information 111 to be processed (S202: YES), the proposal creation unit 1603 performs the following processing. After the execution, the electronic asset tracking information update process is terminated (S212).

That is, first, in S1704, the proposal creation unit 1603 creates information for providing the user with a method for improving the efficiency of electronic asset management based on the electronic asset tracking information 500B whose consistency has been verified by the processing so far. ..

For example, the proposal creation unit 1603 creates information regarding the reduction of settlement fees. Specifically, for example, the proposal creation unit 1603 has the issuing company field 511 and the using bank field 512 in the issuing field 505 of the electronic asset tracking information 500B whose consistency has been verified, the using bank field 522 in the transfer field 515, and the split transfer field. By referring to the used bank field 542 in 525, information on the processing method of the electronic asset is created so that the issuing bank and the monetizing bank are the same. As a specific example, when Company A issues an electronic asset P (electronic bill) issued by Bank X and allocates the corresponding cash to the bank, and Company B receives it at Bank Y and cashes it, it is a cash movement. , Since interbank settlement occurs from Bank X to Bank Y, the fee is incurred. Therefore, if the electronic asset P of company A owned by company B is exchanged for another electronic asset Q of company B issued on bank Y, the issuance, allocation, and monetization of electronic asset P can be done within bank Y. It is processed. By performing such offset processing (bill exchange) of electronic assets, it can be expected that fees will be reduced.

Also, for example, the proposal creation unit 1603 creates information on how to process electronic assets to reduce the types of electronic assets. Specifically, for example, the proposal creation unit 1603 identifies electronic asset tracking information 500B relating to electronic assets of different types or transaction conditions, and changes these electronic assets to electronic assets of the same type or conditions. Create the required information. As a result, the management cost of electronic assets can be suppressed.

Here, a specific example of a method for exchanging electronic assets will be described.

FIG. 27 is a diagram illustrating an example of a method of exchanging electronic assets. In the proposal creation unit 1603, among the electronic asset tracking information group 121, the information of the bank (X bank) that made the target disposal is set in the bank field 512 of the issue field 505, and the bank field 522 of the transfer field 515 is used. Acquires all the first electronic asset tracking information 500B in which the information of the bank (Y bank) is set. Further, the proposal creation unit 1603 sets the information (Y bank) of the other bank in the using bank field 512 of the issuing field 505 in the electronic asset tracking information group 121, and sets the information of the other bank (Y bank) in the using bank field 522 of the transfer field 515. Acquire all the second electronic asset tracking information 500B in which the information of Bank X is set.

Then, the proposal creation unit 1603 compares the values of the first electronic asset tracking information 500B and the second electronic asset tracking information 500B in the monetization date field 1711 and the electronic asset rank field 1712 with each other. The proposal creation unit 1603 identifies a combination of the first electronic asset tracking information 500B and the second electronic asset tracking information 500B whose values are close to each other (for example, the difference between the two is smaller than a predetermined threshold value), and they are identified. Create information to the effect that it is recommended to exchange electronic assets indicated by.

Alternatively, the proposal creation unit 1603 sets the values of the issue field 505, the split transfer field 525, and the split transfer field 545 of the first electronic asset tracking information 500B and the second electronic asset tracking information 500B to the user exchange condition information 600 and the user exchange condition information 600. By comparing with the exchange desired matter information 700, the combination of the first electronic asset tracking information 500B and the second electronic asset tracking information 500B satisfying the user exchange condition information 600 and the exchange desired matter information 700 is specified, and they are identified. Create information to the effect that it is recommended to exchange the indicated electronic assets with each other.

Next, as shown in S1703 of FIG. 24, the proposal creation unit 1603 transmits the content of the information created in S1703 to the transaction service device 70 or the access terminal 50. The transaction service device 70 or the access terminal 50 displays the content of the received information on a predetermined screen.

For example, the proposal creation unit 1603 transmits information to the transaction service device 70 or the access terminal 50 of the bank related to the offset processing of the electronic assets or the bank related to the change of the type of the electronic assets.

This allows each bank to grasp information for reducing transaction costs and propose it to users (companies, etc.).

Note that the proposal creation unit 1603 may transmit information to the transaction service device 70 or the access terminal 50 related to all banks.

[[Example 3]]
In this embodiment, the electronic asset tracking information update process is performed using a blockchain using a smart contract.

FIG. 28 is a diagram showing an example of blockchain data according to the third embodiment. The blockchain data 1000 is data shared by, for example, an information processing device managed by each bank or a predetermined organization (for example, a transaction service device 70, an access terminal 50, an electronic asset management device 100; hereinafter, also referred to as a node). Is.

<Blockchain data>
The blockchain data 1000 is configured to include a plurality of block units 1500 in which a plurality of data groups are associated in chronological order. Each block unit 1500 has a smart contract unit 1001 in which a smart contract that executes a process corresponding to an electronic asset tracking information update process is stored, and information regarding each disposal of electronic assets created by the smart contract unit 1001 (electronic asset tracking). The transaction unit 1003 in which information (corresponding to information 500) is stored as blockchain data, the hash unit 1005 in which the hash value of the previous block unit 1500 is set, and the nonce unit 1007 generated to satisfy the conditions relating to the hash unit 1005. And have.

The smart contract unit 1001 and the transaction unit 1003 may be configured as separate blockchain data.

<Execution function by smart contract>
FIG. 29 is a flowchart illustrating an example of processing executed by the smart contract unit 1001 by each node. This process is performed at a predetermined timing (for example, a predetermined time interval, a predetermined time).

First, the smart contract unit 1001 acquires the electronic asset transaction information 300 related to each disposal of each node (S1001). Specifically, for example, each node may autonomously acquire the electronic asset transaction information 300, or may acquire it from the electronic asset management device 100.

Similar to S910 in the verification process, the smart contract unit 1001 determines whether the amount of each disposal to be verified (hereinafter referred to as the disposal) is positive and whether the amount of the disposal is consistent. Is confirmed (S1003).

The smart contract unit 1001 hashes the amount portion of the disposal and acquires (or acquires in advance) the electronic asset transaction information 300 of the information sharing entity regarding the disposal. The smart contract unit 1001 confirms the consistency between the information obtained by hashing the amount portion of the acquired electronic asset transaction information 300 and the information obtained by hashing the amount portion of the disposal (S1005. Corresponding to S920 of the verification process). processing.).

When the smart contract unit 1001 succeeds in confirmation and matching by S1003 and S1005, first, the block unit 1500 is added to the blockchain data 1000 (S1007). For example, the smart contract unit 1001 has a transaction unit 1003 in which electronic asset transaction information 300 (corresponding to the electronic asset tracking information 500) in which the amount is hashed is set as a new block unit 1500, and a hash unit 1005 corresponding thereto. And a data block having a nonce unit 1007 is created.

Then, the smart contract unit 1001 shares the created blockchain data 1000 with all the nodes (S1007).

In this way, by using smart contracts and blockchain data, the legitimacy of each disposal of electronic assets verified by the verification process can be guaranteed by a large number of nodes.

Each of the above examples has been described with specific examples in order to explain the present invention in an easy-to-understand manner, and is not necessarily limited to a configuration including all the described configurations. The present invention is not limited to the above-described embodiments, and includes various modifications.

For example, in each embodiment, the financial institution is assumed to be a bank, but it may be another business operator or a natural person who trades electronic assets.

Further, some or all of the functions of each information processing device described in each embodiment may be provided in another information processing device.

Further, in each embodiment, the issuance, transfer (split transfer), and redemption of electronic assets are given as examples of disposal, but the present invention can also be applied to other disposals such as lending and integration of electronic assets. ..

Further, in each embodiment, the information of the electronic assets is concealed by performing encryption or the like, but other methods, for example, a storage area that cannot be accessed unless the user has a predetermined access right. You may move the part to be concealed.

In addition, in each embodiment, the check of the balance between inflow assets and outflow assets was taken up as the check of the consistency of multiple transactions, but other consistency checks (for example, the contradiction of the relationship between the time of the transaction and the legal entity) Inconsistency check) may be performed.

Further, in the second embodiment, the reduction of fees by exchanging bills or integrating assets is mentioned as the information to be proposed, but other proposals that favor the bank or the customer, for example, the electronic assets are re-introduced to a bank with a low fee. Proposals may be made to build, transfer electronic assets to a more reliable bank, convert electronic assets to other electronic assets with a higher return on investment, and so on.

Further, in each embodiment, the scope of the information sharing entity is defined as the entity having the relationship between the former and the latter in the transaction of electronic assets, but it may be other scope. For example, it may be limited to the range up to the predetermined number of steps of the transaction (how many times ahead the transaction is to be made), and may be limited to only the direct trading parties or only the entity having the predetermined attributes.

In addition, the processing result notification unit 1602 of each embodiment raises the rank of the company that monetized (the company that requested the issuance of the electronic asset) when the electronic asset was monetized by the payment due date. However, conversely, if the electronic assets are not monetized by the due date, the rank of the company may be lowered.

This specification clarifies at least the following matters. That is, in each embodiment, the information processing apparatus irreversibly conceals information of the amount of money included in the electronic asset transaction information of the apparatus associated with the predetermined entity in the tracking information creation process. The electronic asset tracking information, which is the electronic asset transaction information concealed by the above, is created, and in the tracking information verification process, the concealed electronic asset transaction information and the device associated with the information sharing entity are associated with each other. The identity with the amount information included in the electronic asset transaction information may be verified.

In this way, by verifying the identity of the amount of money by using the information obtained by performing irreversible concealment processing (hashing, etc.) on the amount of money information of the electronic asset transaction information 300, the confidentiality like the amount of money can be obtained. It is possible to verify the authenticity of electronic asset transactions while keeping high information confidential to third parties.

Further, in each embodiment, the information processing apparatus performs encryption processing on the amount of money information included in the electronic asset transaction information of the apparatus associated with the predetermined entity in the tracking information creation process. This creates the electronic asset tracking information, which is the encrypted electronic asset transaction information, and in the tracking information verification process, the information obtained by decrypting the encrypted electronic asset transaction information is associated with the information sharing entity. The identity of the device with the amount of money information included in the electronic asset transaction information may be verified.

In this way, by verifying the identity of the amount of money using the encrypted information for the amount of money information of the electronic asset transaction information 300, highly confidential information such as the amount of money is sent to a third party. It is possible to verify the authenticity of transactions of electronic assets without issuing them (while keeping information secret).

Further, in each embodiment, the information processing device transfers the electronic asset to the first subject based on the electronic asset transaction information of the device associated with the predetermined subject in the tracking information creation process. When the consistency between the property value of the transfer disposal and the property value of the transfer disposal of the electronic asset from the first entity to the second entity is verified and the consistency can be verified, The electronic asset tracking information may be created.

In this way, by verifying the consistency between the property value related to the transfer disposal of inflowing electronic assets and the property value related to the transfer disposal of outflowing electronic assets, contradictory transactions and fraudulent transactions ( For example, it is possible to detect information on transactions (transactions that are carried out without the necessary property backing).

Further, in each embodiment, when the information processing device can verify the consistency in the tracking information verification process, the information processing device becomes the predetermined subject from the device associated with the information sharing subject. Access to the electronic asset tracking information corresponding to the electronic asset transaction information of the associated device may be granted.

In this way, if the consistency can be verified, only the co-owner involved in the disposal of the electronic asset can access the electronic asset tracking information 500 related to itself. As a result, the entity (each device) involved in the disposal of electronic assets can share only highly reliable information to the extent necessary.

Further, in each embodiment, when the information processing device determines that the electronic asset tracking information has a predetermined change, a proposal creation process of transmitting information regarding the change to any of the devices is executed. You may do.

In this way, by notifying the changed contents of the electronic asset tracking information 500, it is possible to call attention to the persons concerned.

Further, in each embodiment, the information processing apparatus calculates the fluctuation of the cost required for redemption of the electronic asset or the fluctuation of the value of the electronic asset based on the electronic asset tracking information in the proposal creation process. When it is determined that there is a predetermined change in the cost or value, information regarding the change in the cost or value may be transmitted to any of the devices.

In this way, if there is a change in the cost related to the redemption of electronic assets or the value of electronic assets, it is possible to call attention to the parties concerned by notifying that fact. For example, it is possible to save fees related to the redemption of electronic assets, and to devise concrete measures for canceling the transaction of electronic assets or changing the transaction contents according to the reliability (rating) of the related company. ..

Further, in each embodiment, the information processing apparatus redeems the electronic assets by offsetting the plurality of electronic assets based on the electronic asset tracking information related to the plurality of different electronic assets in the proposal creation process. When it is determined that the cost required for the above-mentioned devices is reduced, information indicating the offset contents may be transmitted to any of the above-mentioned devices.

In this way, when the cost related to the redemption of electronic assets is reduced by offsetting multiple electronic assets, by notifying the information, the parties concerned can take concrete measures to reduce transaction fees of electronic assets, etc. Can be set up.

Further, in each embodiment, instead of the information processing device, the devices connected to each other so as to be able to communicate with each other perform the transaction information acquisition process, the tracking information creation process, the tracking information verification process, and the processing result. You may share a smart contract that performs notification processing.

In this way, by verifying the transaction information of electronic assets with a smart contract, each node constituting a predetermined network can share each verification result and construct a highly reliable transaction network.

1 Electronic asset management system, 100 Electronic asset management device, 300 Electronic asset transaction information, 500 Electronic asset tracking information

Claims

Information processing device
Transaction information acquisition processing to acquire electronic asset transaction information, which is information related to the disposal of electronic assets, from each device associated with each entity involved in the disposal, and
A tracking information creation process for creating electronic asset tracking information, which is information obtained by processing the acquired electronic asset transaction information of the device associated with a predetermined subject, and a tracking information creation process.
Tracking information verification that verifies the consistency between the created electronic asset tracking information and the electronic asset transaction information of the device associated with the information sharing entity that is the subject of disposal of the electronic asset other than the predetermined entity. Processing and
An electronic asset management method that executes a processing result notification process that outputs predetermined information when the consistency can be verified.
The information processing device
In the tracking information creation process, the electronic asset transaction information is concealed by performing an irreversible concealment process on the information of the amount of money included in the electronic asset transaction information of the device associated with the predetermined entity. Create the electronic asset tracking information
In the tracking information verification process, the identity of the concealed electronic asset transaction information and the amount information included in the electronic asset transaction information of the device associated with the information sharing entity is verified.
The electronic asset management method according to claim 1.
The information processing device
In the tracking information creation process, the electronic asset transaction information encrypted by performing encryption processing on the amount of money information included in the electronic asset transaction information of the apparatus associated with the predetermined entity. Create asset tracking information and
In the tracking information verification process, the identity of the decrypted information of the encrypted electronic asset transaction information and the amount of money information included in the electronic asset transaction information of the device associated with the information sharing entity is verified. To do
The electronic asset management method according to claim 1.
The information processing device
In the tracking information creation process, based on the electronic asset transaction information of the device associated with the predetermined entity, the property value related to the transfer disposal of the electronic asset to the first entity and the first Verify the consistency with the property value of the transfer disposal of the electronic asset from the subject to the second entity, and if the consistency can be verified, create the electronic asset tracking information.
The electronic asset management method according to claim 1.
The information processing device
When the consistency can be verified in the tracking information verification process, it corresponds to the electronic asset transaction information of the device associated with the predetermined entity from the device associated with the information sharing entity. Allow access to said electronic asset tracking information,
The electronic asset management method according to claim 1.
The information processing device
The electronic asset management method according to claim 1, wherein when it is determined that the electronic asset tracking information has a predetermined change, a proposal creation process of transmitting the information regarding the change to any of the devices is executed.
The information processing device
In the proposal creation process, the fluctuation of the cost required for redemption of the electronic asset or the fluctuation of the value of the electronic asset is calculated based on the electronic asset tracking information, and it is determined that the cost or the value has a predetermined change. If so, send information about the change in cost or value to any of the above devices.
The electronic asset management method according to claim 6.
The information processing device
When it is determined in the proposal creation process that the cost required for redemption of the electronic assets is reduced by offsetting the plurality of electronic assets based on the electronic asset tracking information related to the plurality of different electronic assets, the above-mentioned Send information indicating the offset to any of the devices,
The electronic asset management method according to claim 6.
Instead of the information processing device, the devices connected to each other so as to be able to communicate with each other
Share a smart contract that executes the transaction information acquisition process, the tracking information creation process, the tracking information verification process, and the processing result notification process.
The electronic asset management method according to claim 1.
Transaction information acquisition processing to acquire electronic asset transaction information, which is information related to the disposal of electronic assets, from each device associated with each entity involved in the disposal, and
A tracking information creation process for creating electronic asset tracking information, which is information obtained by processing the acquired electronic asset transaction information of the device associated with a predetermined subject, and a tracking information creation process.
Tracking information verification that verifies the consistency between the created electronic asset tracking information and the electronic asset transaction information of the device associated with the information sharing entity that is the subject of disposal of the electronic asset other than the predetermined entity. Processing and
An electronic asset management device having an arithmetic unit that executes a processing result notification process that outputs predetermined information when the consistency can be verified.