JP7092740B2 - Token issuance / distribution method - Google Patents

Description

The present invention relates to an information processing technique for handling financial products such as securities, and to a token issuance / distribution technique.

Regarding the business of trading financial products including investment trusts (sometimes referred to as "investment trusts") and securities such as stocks, by treating them as digital data on communication networks such as the Internet, management efficiency and trading can be improved. Various information processing technologies for promotion are being studied.

Examples of the prior art relating to the above include Japanese Patent Publication No. 2018-518745 (Patent Document 1) and Japanese Patent Publication No. 2019-508951 (Patent Document 2). Patent Document 1 describes a technique for securely transferring securities as a "digitally encrypted securities platform", etc., to the effect that the system generates tokens and to sell tokens to other customers. Is described. Patent No. 6564118 (Patent Document 2) manages information on a user's assets including benefits that can be used for payment at a specific store as an "information processing device", etc., according to the type of the user's assets. Technology to sort out investment destinations, manage benefits by replacing them with the investment products of the sorted investment destinations, and perform payment processing using electronic money obtained by selling the investment products at the time of payment at a specific store. Is described.

Special Table 2018-518745 Japanese Patent Publication No. 2019-508951

Due to the characteristics of conventional securities such as investment trusts, there has been an inadequate response to the progress of digitalization of the Internet and payment services. For example, conventional investment trusts may have limited liquidity between customers and sales companies, such as the time and effort required for relocation. With conventional technologies such as financial information processing systems, there is room for consideration and improvement of new ideas in order for securities such as investment trusts to be easier and more accessible to customers.

An object of the present invention is to improve management efficiency and promote transactions by advancing the progress of digitalization of information processing techniques related to the business of trading securities such as investment trusts, which is easier for customers. It is to provide technology that can be used at hand.

A typical embodiment of the present invention is a token issuance / distribution method, which is characterized by having the following configuration. The token issuance / distribution method of one embodiment is a token issuance / distribution method for distributing tokens which are electronic record transfer right information related to financial assets, and is a token issuance / distribution method used by a first computer of a management company and a second computer used by a customer. As a step performed between a computer or a third computer of a sales company that sells securities that are risky assets including investment trusts and trades with the customer, the first computer funds and supports the securities. As a step of issuing the token by conversion regarding value, a step of recording token management information which is information for management of the issued token by the first computer, and a step of recording the token management information by the first computer. The second computer or the third computer provides the second computer or the third computer, the second computer or the third computer records and displays the token, and the second computer or the third computer is the customer. Alternatively, a step of transmitting an instruction regarding a transaction for buying or selling or exchanging the token to the first computer based on an operation of a person of the sales company or a preset setting, and the first computer responding to the instruction, the said The step of processing the transaction of buying and selling tokens or exchanging the tokens and updating the token management information, and the information representing the result of the transaction of buying and selling or exchanging the tokens by the first computer to the second computer or the first computer. 3 It has a step of transmitting to a computer and a step of the second computer or the third computer recording and displaying information representing the result of the transaction.

According to a typical embodiment of the present invention, the information processing technology related to the business of trading securities such as investment trusts can be managed more efficiently and transactions can be promoted by advancing the response to the progress of digitization. To make it easier and more accessible to customers.

It is a figure which shows the structure of the token issuance / distribution method of Embodiment 1 of this invention. It is a figure which shows the structure of the token issuance / distribution system of Embodiment 1 of this invention. It is a figure which shows the configuration example of a plurality of sales companies, a blockchain, a customer terminal, and a payment service among the token issuance / distribution system of Embodiment 1. FIG. It is a figure which shows the functional block composition example of the 1st computer in Embodiment 1. It is a figure which shows the detailed configuration example of the token issuance / distribution method of Embodiment 1. FIG. It is a figure which shows the recording example of the information on a blockchain in Embodiment 1. It is a figure which shows the issuance example of a token in Embodiment 1. It is a figure which shows the configuration example of the settlement interlocking, etc. in Embodiment 1. FIG. It is a figure which shows the display screen example by the token application in Embodiment 1. FIG. It is a figure which shows the other display screen example in Embodiment 1. It is a figure which shows the structure of the token issuance / distribution system of Embodiment 2 of this invention. It is a figure which shows the structure of the token issuance / distribution system of Embodiment 3 of this invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. In principle, the same parts are designated by the same reference numerals in all the drawings for explaining the embodiments, and the repeated description thereof will be omitted.

[Issues, etc.]
A supplementary explanation will be given regarding issues. Conventional financial products, including securities such as investment trusts, may not be fully responsive to the progress of digitalization. In the conventional securities business, liquidity between customers and sales companies may be limited due to the time and effort required for transfer. In conventional financial and legal systems, it may be difficult to trade between sales companies for multiple securities of multiple sales companies. In addition, it may be difficult to make cross-sectional transactions between domestic and overseas.

In the conventional investment trust business, an investment trust service, which is a service for selling investment trust products to customers by each sales company, is provided. In the conventional financial system, multiple investment trust services in multiple sales companies cannot be linked, and it is not possible to buy and sell multiple investment trusts across sales companies. In the past, it was only possible to trade between multiple customers in the investment trust of the same sales company. If a customer wants to use multiple investment trust services, it takes a lot of time and effort because procedures such as opening an account are required for each sales company. Conventionally, products such as investment trusts are managed on a bank account, and there are large management restrictions. Regarding the handling of customer's personal information, it is necessary to manage using a Japan Securities Depository Center as necessary. There are many restrictions.

In addition, in the past, with regard to products such as investment trusts, sales companies make investment decisions while confirming with customers as necessary, and the results of investment are reflected in the customer's bank account. The distribution of the investment trust is paid by the sales company in cash to the customer's bank account. The means of transactions and settlements are limited to bank accounts, and there are many restrictions and a low degree of freedom for management and customers such as sales companies.

In addition, in the conventional investment trust business, information such as investment trust investment profit and loss for each customer and information such as the individual principal and holding period of investment trusts are managed and grasped by each sales company, and investment trust management companies, etc. Not managed / grasped.

In addition, conventional securities transactions have a large unit of amount and may not be able to be traded in small amounts. Traditional investment trusts are subject to minimum trading unit restrictions, such as unit-based transactions and taxation. For example, it is stipulated that one unit = transaction in units of 10,000 yen, or one unit = transaction in units of 10,000 units for one yen. For example, the minimum trading unit of an ETF is the minimum number of units (for example, 10 units or 100 units) × the exchange price, which is, for example, 10,000 yen or more.

In addition, conventional securities trading may be less immediate. For example, with the conventional investment trust system, transactions can only be made on a daily basis at the earliest, and transactions are often made three or four days later. For example, orders are often placed the next day or funds are often delivered three days later. Traditional securities trading is restricted to trading within the specified trading hours.

In addition, it is necessary to deal with taxation when trading securities. It is also necessary to deal with taxation when digitizing securities transactions. Conventionally, as a result of investment trust management, the taxable amount, etc. is determined according to the generation of distributions and transfer gains.

In addition, there are restrictions on the determination of taxable amount, usage fee, success fee, etc. regarding investment trusts, and it is not always determined as a reasonable amount for customers. With the conventional investment trust system, it is difficult to calculate the amount of success fees, etc. for each individual customer.

(Embodiment 1)
The token issuance / distribution method and system of the first embodiment of the present invention will be described with reference to FIGS. 1 to 10. This token issuance / distribution method is a method that includes various technologies such as token issuance / distribution / amortization backed by risky assets and token management on a distributed ledger, and is an information processing system including a computer. It is a method having steps such as a step of issuing a token on (corresponding token issuance / distribution system).

[Token issuance / distribution method]
FIG. 1 shows a token issuance / distribution method and a system configuration of the first embodiment. The token issuing / distribution system of the first embodiment has a first computer 1 of a management company, a second computer 2 of a customer, and a third computer 3 of a sales company, which are appropriately communicated on a communication network. Connected by. The user U1 who is a person of the management company operates the first computer 1 to perform business. The user U3 who is a person of the sales company operates the third computer 3 to perform business. The first computer 1 and the second computer 2 can be configured by a PC, a server, or the like. User U2, who is a customer, operates the second computer 2. The second computer 2 can be configured as a customer terminal such as a smartphone.

The token issuance / distribution method of the first embodiment is a method of issuing and distributing token 8, which is electronic record transfer right information related to financial assets, based on financial assets such as securities 7. The method of the first embodiment has a step executed between a first computer 1 of a management company and a second computer 2 used by a customer, or a third computer 3 of a sales company, intervening communication. A sales company is a sales company that sells securities 7, which are risky assets including investment trusts, and trades with customers. The main steps may be performed between the first computer 1 and the customer's second computer 2, or the main steps may be performed between the first computer 1 and the third computer 3 of the sales company. May be good. In the latter form, the customer entrusts the sales company to manage the token 8 and the like, the customer appropriately instructs the sales company person, and the sales company takes steps on behalf of the customer.

The first computer 1 has a token management function and performs processing related to token management. The first computer 1 performs processing related to transactions such as issuance of token 8 by value conversion between securities 7 and token 8 and trading or exchange of token 8. Further, the first computer 1 performs a recording process of token management information for managing the token 8. The second computer 2 includes a token application 20. The token application 20 is an application program for a customer to use the token 8. The management company provides the token application 20 to the customer. The third computer 3 performs processing related to sales of securities 7 to customers and customer management. The securities 7 are treated as corresponding securities information or securities data on each computer. The token 8 is treated as the corresponding information / data on each computer.

The token issuance / distribution method of the first embodiment of FIG. 1 has steps SA, SB, SC, SD, and SE as main steps. The order of the plurality of steps is not limited to the example of the order described in the first embodiment, and modifications such as replacement, addition, and deletion are possible within the range for achieving the required effect.

Step SA is a step in which the first computer 1 issues the token 8 by converting the value using the securities 7 as a source and backing.

Step SB is a step in which the first computer 1 records token management information which is information for management regarding the issued token 8.

In step SC, the first computer 1 provides the token 8 to the second computer 2 or the third computer 3, and the provided second computer 2 or the third computer 3 records and displays the token 8. be.

In the step SD, the second computer 2 or the third computer 3 transmits an instruction regarding a transaction such as buying or selling or exchanging the token 8 to the first computer 1 based on the operation of a customer or a person of the sales company or a preset setting. The first computer 1 is a step of processing a transaction such as buying and selling or exchanging a token 8 of the corresponding customer in response to the instruction, and updating the token management information.

In step SE, the first computer 1 transmits information representing the result of a transaction such as buying and selling or exchanging the token 8 to the second computer 2 or the third computer 3, and the second computer 2 or the second computer 2 receives the information. The third computer 3 is a step of recording and displaying the transaction result of the token 8.

[Functions and business model]
The token issuance / distribution method and the main functions in the system of the first embodiment shown in FIG. 1 and the like, and the business model and the like that can be realized corresponding to the main functions will be described below. The method and system of the first embodiment will be digitized so that transactions of securities such as investment trusts can be easily and easily used in the lives of customers. Specifically, in the method of the first embodiment, securities are converted into tokens, and the tokens are distributed to customers, sales companies, and the like. In the method of the first embodiment, the token information is recorded and managed on a distributed ledger such as a blockchain (BC).

(1: Basic) The method and system of the first embodiment are tokens that are predetermined information / data using securities such as investment trusts (in other words, financial products including securities), which are risky assets, as resources and support. Issuance and distribution of methods and systems with a set of schemes and flows. These securities and tokens are based on the Financial Instruments and Exchange Act. This token is electronic record transfer right information related to financial products (in other words, assets), and functions as an economic value transfer means. This token can be used as a new digital money-like entity on systems including computers and communication networks. Tokens generated based on securities are, in other words, securities tokens, and in other words, investment trust tokens, especially when commodities are investment trusts.

In the method of the embodiment, the first computer of the management company converts securities such as investment trusts, which are the assets of the customer, into tokens by value conversion. By making the securities in the form of tokens, the liquidity of the securities can be increased, and the tokens can be easily transferred on the communication network and between computers. Through tokens, it is possible to make transactions such as buying and selling in the form of tokens between multiple securities of multiple sales companies and multiple customers. It should be noted that the conversion of securities to tokens (including issuance) and the reverse conversion thereof (including depreciation) can be performed before or after the customer purchases the securities. The management company, etc. manages tokens and cash as inventory, and enables immediate cashing of tokens without depending on the buying and selling of resources.

In the method of the first embodiment, the first computer of the management company records the information about the issued token in the token storage management system which is a unique system, and the information of the transaction about the issued token is recorded on the communication network. Record on a distributed ledger such as BC. The token storage management system is a system having a user interface that enables a person of a management company to easily grasp information on securities and tokens on a screen. The distributed ledger, like BC, is a system in which all transactions are recorded and security is guaranteed.

In the method of the first embodiment, the customer (or the sales company) can appropriately carry out transactions such as buying and selling or exchanging tokens between the customers (or the sales company). This token transaction may be in the form of direct sales or the like between customers, or may be in the form of sales or the like through the intervention of a sales company. The first computer of the management company grasps the transaction information such as the sale and exchange of tokens, updates the information of the token storage management system, and records the transaction information on the distributed ledger. Customers can buy and sell through tokens while checking the holding status of their tokens, information on multiple products, transaction candidate customers, etc. on the screen provided by the application of the second computer, which is a customer terminal, for example. Trading is possible.

In the method of the first embodiment, a plurality of securities (corresponding investment trust services, etc.) of a plurality of sales companies can be handled and linked by using a token. For example, if a customer opens an account (identified account) for any one sales company, multiple securities of multiple sales companies can be combined into one without opening an account for each sales company. It can be handled and has little trouble. Customers can centrally hold products that are handled only by other sales companies other than the products of the sales company that has an account, in the form of a token. In the method of the first embodiment, it is possible to realize transactions such as transactions across multiple sales companies, which were difficult in the past, and transactions between domestic and overseas, depending on the legal system, etc., regarding products such as investment trusts. Will be.

(2: Payment interlocking function) The method of the first embodiment can be interlocked with the payment service used by the customer based on the token. The management company, etc. cooperates with the settlement company that provides the settlement service as a cooperating company. The linked payment service is an arbitrary payment method capable of electronic payment processing, and may be a plurality of payment services of a plurality of payment companies. The method of the first embodiment can be linked with a plurality of predetermined payment services by using tokens.

The first computer of the management company and the second computer of the customer convert the customer's token into cash or digital money of the payment service selected and used by the customer (these may be collectively referred to as money). The customer can use the money converted from the token for payment by the payment service by using the application of the second computer. Customers can buy, sell, exchange, remit, and pay tokens between customers.

Customers can convert the desired quantity of their desired tokens into digital money such as points corresponding to the payment service to be used, and use it for payment of product purchases and the like. The customer can link the token associated with the selected securities to the selected payment service by setting the application on the second computer or the like.

In the method of embodiment 1, the plurality of payment services include, in particular, a payment service capable of micropayments (small payments or ultra-small payments). This payment service may be, for example, a so-called cashless payment service. Optional payment services include bank accounts, credit cards, IC cards with payment functions, and cashless payment services using payment apps on customer terminals. An example of a cashless payment service is a payment function corresponding to a digital money service such as a point service, which is implemented on a customer terminal such as a smartphone together with a payment application. This payment function includes, for example, communication such as NFC and a method using a QR code (registered trademark). As a method using a QR code, there are a store scan method and a user scan method.

The conversion of tokens to money for payment services can be performed at any time at the customer's discretion, or automatically performed at the timing that meets the conditions such as regular period and amount of money, based on the settings for the application of the customer terminal in advance. You can also do it. When converting a customer's token into digital money such as points (in other words, charging), the first computer performs a process of converting the token into cash in yen units and converting the cash into the points or the like. ..

In addition, the management company and the settlement company can also determine the conversion amount of money such as points by their own calculation based on the interlocking of the settlement service when converting the token into money for settlement. For example, additional points can be given so that it is larger than the amount of yen converted from the token of the conversion source.

In the method of the first embodiment, as an example of the payment service, it is linked to a cashless payment service such as a point service, but the method is not limited to this, and it is optional by prescribing a predetermined conversion with the token. It can be linked with the payment service of. In the example of the first embodiment, by linking with the point service, it is possible to eliminate or reduce the fee and labor for payment to the conventional bank account.

(3: Information management and distributed ledger) The method of the first embodiment uses tokens to manage information such as transaction records on the distributed ledger and on the token storage management system for information management related to financial products such as investment trusts. It can be used for information management. As a result, this method facilitates information management for the management side, and enables smart transactions and businesses with customers.

Further, in the method of the first embodiment, the management company or the management company, not the sales company, manages the information of the plurality of securities of the plurality of sales companies, the plurality of customers, etc., in particular, through the token. It will be possible. The sales company may grasp the information for each customer as in the conventional case, or the management company or the like may grasp the information without grasping a part of the information.

Further, in the method of the first embodiment, the management company or the like can grasp and manage the information such as the individual principal of the investment trust for each customer and the information such as the investment profit / loss through the management of the token. Then, in this method, the management company or the like can also provide a new business to the customer or the sales company based on the above information management. For example, the management company can determine the success fee amount and preferential measures described later by its own calculation based on the information such as the individual principal of the investment trust of the customer and the investment profit / loss.

In the method of the first embodiment, by using a token and a distributed ledger, if there is a trading instruction of securities from a customer, the management company can provide information such as the individual principal of the customer even in the case of a transaction flow via a sales company. Can be grasped. The management company can record the information in the token storage management system as token management information, and can refer to the information in a form that is easy for the user to see.

Further, the transaction record on the distributed ledger and the record on the token storage management system can be in a form that does not include the customer's personal information. The management company does not need to manage and handle the personal information of the customer when grasping the information such as the individual principal. The personal information of customers is managed by the sales company or by the Japan Securities Depository Center. Prescribed information such as identification information (ID) is described in the token, token storage management system, and distributed ledger so that it can be associated with and referenced with the customer's personal information, and security is guaranteed by encryption or the like. Will be done. The customer's personal information is hidden from the token itself. As another embodiment (modification example), it is also possible to describe the personal information of the customer in the token, the token storage management system, or the distributed ledger while ensuring security.

(4: Transaction unit) The method of the first embodiment uses tokens to change the unit of quantity, etc. (in other words, fineness, particle size, etc.) for transactions, settlement, and taxation, to the unit of transactions in conventional investment trusts. It enables transactions, settlements, and taxation as a unit finer than the unit unit, for example, a unit of 1 yen or a decimal point unit of less than 1 yen. Customers can also make transactions such as buying and selling tokens for a small amount.

The method of the first embodiment enables immediate monetization of tokens associated with the sale of assets such as securities. Customers can instantly obtain cash, digital money, or other money for their tokens associated with their assets, corresponding to the payment service they selectively use.

(5: Tax calculation function) The method of the first embodiment has a tax calculation function for responding to and supporting taxation in relation to the function of settlement using tokens. Legally, it is necessary to tax according to the investment profit of securities. In this method, the management company or the like can calculate and grasp the taxation through the token. With this method, it is possible to calculate the taxable amount of investment trust tokens, for example, in smaller units than before, for example, the taxable amount of less than 1 yen, based on the grasp of information such as the investment trust investment profit and loss of the client by the management company. Is. For example, the first computer of the management company can calculate the taxation as well as the calculation of the success fee amount of the investment trust. In this method, the first computer can also calculate and determine the taxable amount and the like by its own method regarding the taxation on the token and the securities of the source of the token. In addition, the first computer can also calculate the taxable amount of investment trusts before trading by using the converted tokens.

(6: Immediateness of Transaction) In the method of the first embodiment, the immediacy of the transaction can be enhanced by using a token, which is shorter than the daily unit (for example, hour unit or minute unit) in the conventional investment trust or the like. Etc.) enables quick transactions. With this method, trading transactions outside the conventional trading hours are also possible. During the trading hours, token transaction reference price information can be generated and provided to customers based on the existing mechanism. The existing mechanism is, for example, a mechanism in which a person of a predetermined company determines a transaction price by referring to an existing predetermined system. The token transaction reference price information includes information such as a rate that is a reference for exchange or conversion. Further, in the method of the first embodiment, the management company or the management company can independently determine the transaction reference price and the like based on the risk control and provide it to the customer even outside the transaction time zone.

(7: Auto-charge function) The method of the first embodiment provides a customer with functions (corresponding service) such as automatic profit determination and auto-charge regarding tokens in relation to the payment interlocking function. Customers can reflect and allocate tokens (for example, investment trust tokens) to payment service money (for example, points) in the form of auto-charging or the like. In this method, for example, a fixed amount of money can be automatically charged every month. Alternatively, this method automatically, for example, when the investment profit of a customer's risky asset reaches a profit-taking level (target return, etc.) under preset conditions, the asset (at least a part of the asset). To sell and make a profit. Then, in this method, according to the sale, the associated customer's token is once converted into cash, and the cash is automatically charged to digital money such as points of the payment service used by the customer. The customer, the sales company, the management company, or the like may set the conditions such as the profit taking level. Regarding the conditions such as the amount of money at the time of auto-charging, the management company or the like may determine the conditions such as the recommended amount according to the asset management status of the customer, present it to the customer, and set it in the token application. With this function, customers can easily use securities such as investment trusts for daily settlement in the form of points, etc., and can be more aware of them than before.

(8: Calculation of distribution) The method of the first embodiment is the distribution to customers resulting from the investment results of investment in risky assets such as investment trusts by the original calculation using tokens and the interlocking with the settlement service. It enables distribution of gold, etc. with a substantially higher yield than before. In the method of the first embodiment, the refund / dividend to the customer can be set not only by the sales company but also by the management company or the management company according to the investment result. In this method, it is possible to set, for example, a uniform and equal amount of refunds / dividends to each customer based on the centralized management by the management company, regardless of the restrictions of each sales company.

In the method of the first embodiment, by using the linkage between the token and the settlement service, the distribution of the investment trust, for example, is provided from the management company or the like to the settlement company which is a cooperating company by sales promotion expenses or the like. In exchange, the settlement company can give the customer additional points that exceed the resources by the settlement service. At that time, the first computer of the management company may calculate and determine the additional points and the like by its own calculation. As a result, the customer can receive additional points and can substantially increase the yield. In this method, payment of distributions and the like is not limited to the customer's bank account, and payment in the form of points or the like of a payment service is also possible.

(9: Calculation of success fee) The method of the first embodiment enables the determination of the usage fee and the success fee amount from the investment profit / loss status of the investment trust for each customer by the original calculation based on the above token and information management. , Realize a performance-based business model. The cost burden of the customer, in other words, the business revenue source from the viewpoint of the management company, etc., includes the token usage fee of the performance fee type and the spread of the token transaction reference price information.

As described above, the method of the first embodiment can record and manage the information of the individual principal method of the investment trust on the distributed ledger and the token storage management system via the token. The individual principal is the base price at the time of purchase. This makes it possible to calculate the performance fee and usage fee (amount paid by the customer) for each customer, which was difficult with conventional investment trusts. For example, the management company grasps the profit and loss situation of each holder during a certain period or at the time of sale, determines the token usage fee (success fee amount, etc.) according to the profit level, and collects it from the customer. The management company or the like can determine and grasp the success fee amount or the like without the personal information of the customer, and the management company or the like can share the information such as the success fee amount to the sales company side.

In the method of the first embodiment, by using the token, for example, the taxable amount, the success fee amount, and the like can be calculated and determined according to the operation result for each period shorter than the conventional investment trust period. As a result, it is possible to make the taxable amount and the success fee amount more reasonable for the customer.

As an example of a performance fee type business model, a token usage fee according to the usage level is calculated and determined based on the understanding of the investment profit / loss status of each customer who is the asset holder during a certain period or at the time of sale, and the customer Collecting is mentioned.

(10: Calculation of preferential treatment) In the method of the first embodiment, it is possible to calculate the preferential treatment in relation to the calculation of the above-mentioned success fee. The method of the first embodiment is to determine a unique incentive for a customer who is a long-term holder of an investment trust or a corresponding investment trust token (for example, a customer who holds the investment trust for a predetermined period or longer) by a unique calculation based on the token and information management. And realize a long-term holding preferential business model. In this method, the management company or the like can grasp the information on the asset holding status of each customer including the holding period of the investment trust or the like through the token on the BC. Then, for example, the management company can determine and provide preferential measures according to the holding period and the like to the customer who is a long-term holder of the investment trust or the investment trust token.

The incentive is to distribute a given token to long-term token holders as an incentive. For example, return with MRF tokens using trust fees as a source of funds can be mentioned. As another incentive, additional incentives can be offered to the accumulated tokens.

An example of a long-term holding preferential business model is to gradually reduce trust fees (usage fees paid by customers) according to the holding period.

In the method of the first embodiment, since the management company can directly grasp the holder from the characteristics of BC, it is possible to make a direct refund to the holder. Also, with this method, investment trusts can be made into smaller units than units by tokens, so small refunds are possible.

As an example of a business model, a company to which a customer belongs pays the customer digital salary or digital money such as points. The customer purchases a token (for example, an investment trust token) sold by a sales company on a distribution platform using BC based on the money such as the digital salary. The management company grasps the asset holding status and the investment profit / loss status of the customer on BC. At that time, the management company does not handle the personal information of the customer. The management company decides the token usage fee, preferential measures, etc. based on the performance fee type or long-term holding preferential treatment model according to the holding period and the investment profit / loss situation, and collects them from the customer. This provides incentives for long-term holdings and cost reductions for customers.

As a detailed method for providing preferential treatment to long-term holders, the method of directly moving the trust fee as described above may be used, but as a simpler method, a refund method may be used. For example, a refund is paid to the customer for each holding for one year.

(11: Recommendation function) In the method of the first embodiment, it is possible to change the composition of products such as investment trusts, which are the resources of customers, by intervening the buying and selling of tokens. For example, a customer (corresponding sales company) can change an investment trust to another asset via a token halfway before the due date of the investment trust's operation is reached. In the method of the first embodiment, the management company or the like can provide the customer with recommendation information for supporting a decision regarding a transaction or investment using tokens and securities. For example, the management company provides the client with recommendation information including a proposal for changing the product composition of the client according to the individual principal of the investment trust and the status of investment profit / loss. The management company can also provide recommended information on the asset composition of the combination of tokens and securities. In this method, the management company or the management company can support the investment decision of the customer or the sales company. Further, for example, the management company may recommend, for example, the timing at which points can be easily accumulated, the destination of use, etc., regarding the timing of buying and selling tokens of customers and converting them into money.

[Token issuance / distribution system-overall]
FIG. 2 shows the overall configuration of the token issuance / distribution system of the first embodiment. The token issuance / distribution system of FIG. 2 includes a management company's first computer 1, a customer's second computer 2, a sales company's third computer 3, a management company's fourth computer 4, and a blockchain (BC) 50. It has a fifth computer 5 and a fourth computer 4 and a BC50 are added to FIG.

The management company has an information processing system including the first computer 1. As a first-class financial company, the management company procures securities 7 (for example, ETFs and MRFs) that are the source of funds related to token 8 from the securities market through the management company. The management company stores and manages securities 7 which are the resources thereof. The management company provides the token 8 to the sales company and provides the customer through the sales company. Token 8 is sold to individual customers.

The management company buys and sells securities 7 in the securities market and manages them. The user U4 who is a person of the management company operates the fourth computer 4 to perform business. The fourth computer 4 performs processing related to the operation of securities.

The BC 50 is a BC system on a communication network, and is composed of a plurality of fifth computers 5. Each fifth computer 5 is a computer of a participant who participates in BC50. The fifth computer 5 may be a financial computer or any computer. The fifth computer 5 may be the same as the third computer 3 of the sales company, or may be another computer.

In the first embodiment, the management company and the management company are described separately, but the present invention is not limited to this, and the management company and the management company may be integrated. One of the plurality of managers may be the management company. In that case, the first computer 1 and the fourth computer 4 may be regarded as an integrated computer.

The first computer 1 includes a token storage management system (Digital Token Custody System) 10. The token storage management system 10 is an information processing system that stores and manages token management information for a management company. The token storage management system 10 may be implemented as a function of the first computer 1, or may be implemented by a computer such as a server (for example, a DB server and a Web application server) different from the first computer 1.

The token storage management system 10 has a token management information recording function 11, a token management screen display function 12, and the like. The token management information recording function 11 is a function of recording token management information in a storage means such as a DB or a memory. The token management screen display function 12 is a function of displaying the token management screen to the user U1 based on the token management information.

The first computer 1 has a function of issuing / amortizing tokens 8 and a function of recording / referencing token management information to the token storage management system 10. Further, the first computer 1 has a BC token information recording function 13. The BC token information recording function 13 is a function of recording the BC token information 51, which is transaction record information, to the fifth computer 5 on the BC 50 in response to the issuance of the token 8 or the transaction.

Each computer such as the first computer 1 includes a processor, a memory, a communication device, an input device, an output device, and the like, and realizes each function by processing a software program by the processor or processing a dedicated circuit such as ASIC. Each computer has a program installed for the corresponding function. The case where the main system of each company or the like has one computer is shown, but of course, the present invention is not limited to this, and each system may be composed of elements such as a plurality of computers.

As a modification, the third computer 3 of the sales company may be provided with a program having the same function as the token application 20 of the second computer 2 of the customer, and the sales company may use it in the same way as the customer.

In this example, as securities 7, securities (first securities) K1 which is MRF (Money Reserve Fund) and securities (second securities) which are ETF (Exchange Traded Fund; listed investment trust) are used in the securities market. Securities) K2 is handled, but it is not limited to this, and other securities and financial assets may be handled. MRF is an investment trust that aims for stable profits by investing mainly in public and corporate bonds with relatively high creditworthiness and security, and is an asset with stable price movements, so it is used as a standard and mediator in this example. The MRF, which is the first securities K1, is a product having a property of being able to be converted into money of any settlement means (including the settlement service 60 in FIG. 3) having economic value at any timing. ETFs are investment trusts listed on financial instruments exchanges that aim for investment results linked to a specific index, and are examples of products with higher risk than MRF. The management company appropriately converts between securities K1 and securities K2 by buying and selling. Conversion to tokens can be applied to any one or more securities, not limited to MRFs and ETFs. The ETF is not limited to domestic ETFs and the like, but overseas ETFs and the like can also be applied. Not limited to securities, other financial assets may be any real assets such as real estate, gold, and paintings.

The first computer 1 issues the token 8 by the value conversion process, backed by the securities 7 as the source of funds. In this example, the first securities K1 which is an MRF is converted into a first token T1 which is an MRF token as a token 8. The second securities K2, which is an ETF, is converted into the second token T2, which is an ETF token, as token 8. For example, when the token 8 is issued, the first computer 1 converts the first securities K1 which is an ETF into the corresponding quantity of ETF tokens based on the calculation reflecting the collective investment scheme equity. The management company manages the token 8 by issuing and holding a large number of tokens 8 to the management company in advance as a pool method.

[Token issuance / distribution system-BC and payment]
FIG. 3 shows, as details of a part of the token issuance / distribution system of the first embodiment of FIG. 2, a plurality of sales companies, a BC (BC system) 50, a customer's second computer 2, and a payment service of a payment company 60. An example of the configuration related to the above is shown. The BC50 is a network of a plurality of BC nodes, in other words, constitutes a distribution infrastructure related to the token 8. In this example, a configuration example is shown in the case where the fifth computer 5 constituting each BC node of the BC50 is the same as the third computer 3 of the sales company, but the present invention is not limited to this, and the security of each BC node is guaranteed. It may be any computer.

In the token issuance / distribution system of the first embodiment, not one but a plurality of sales companies (corresponding plurality of third computers 3) are used as sales companies that can cooperate with the first computer 1 of one management company. Have. The plurality of sales companies sell the same or different securities 7. In this example, as a plurality of sales companies, there are sales companies (for example, securities companies) X1, X2, X3, sales companies (for example, banks) Y1, Y2, Y3, and sales companies Z1, Z2, Z3. Each sales company may be an affiliated company of the same affiliate or a separate affiliated company. A sales company, for example, a sales company X1, makes a transaction regarding securities 7 with a customer, for example, customer A1. For example, the customer A1 purchases the securities KX1 sold by the sales company X1. For example, the customer A1 opens a bank account with the sales company X1 (the bank with which the sales company X1 trades), and the customer A1 and the sales company X1 manage the settlement of the securities KX1 in the bank account. Similarly, although not shown, for example, another customer A2 purchases another securities KY1 with another sales company Y1, and another customer A3 purchases another securities KY1 with another sales company Z1. Purchase securities KZ1. Each customer of the plurality of customers trades the desired securities 7 with the desired sales company.

The first computer 1 provides the token 8 associated with the securities 7 of each sales company to the second computer 2 of each customer through the third computer 3 of each sales company. For example, the third computer 3 of the sales company X1 has converted the securities KX1 of the customer A1 into an ETF token (second token T2) based on the instruction of the customer A1 and the cooperation with the first computer 1 of the management company. To grasp.

Each sales company sells securities 7 or tokens 8 associated therewith to customers who are account holders. Between each customer, the transaction of buying and selling or exchanging the token 8 is possible as a direct transaction between the customers or an indirect transaction involving a sales company. In other words, transactions such as buying and selling of the token 8 and the securities 7 associated therewith can be performed between the sales companies based on the instruction from the customer. For example, a transaction such as buying or selling or exchanging a certain token (for example, an ETF token) is possible between the customer A1 and the customer A4 who are the account holders of the sales company X1. Further, for example, a transaction such as buying and selling or exchanging a certain token (for example, an ETF token) is possible between the customer A1 who is the account opener of the sales company X1 and the customer A2 who is the account opener of the sales company Y1. Since it is in the form of token 8, transactions across sales companies are also possible.

When trading the token 8, the customer or the sales company can make a judgment while referring to the token transaction reference price information 500 described later. The management company generates the token transaction reference price information 500 and presents it to the customer or the sales company. The reference price of the token transaction reference price information 500 (specifically, the exchange rate, the base price, etc.) can be calculated based on the existing mechanism in the securities market. A person such as an administrator of the management company may calculate the reference price. The first computer 1 provides the token transaction reference price information 500 to, for example, the token application 20 of the customer's second computer 2. The reference price in the token transaction reference price information 500 reflects the price in the securities market within the market transaction time. The reference price reflects overseas market transactions outside of market trading hours, and offer rates and bid rates are presented. In the first embodiment, the available transaction time can be set to 24 hours 365 days by using the token 8. The first computer 1 of the management company may set a spread as necessary when presenting the token transaction reference price information 500. The management company can eliminate or reduce the risk of price fluctuations by setting the spread.

As the cost burden on the customer side in the system of the first embodiment, in other words, the profit source on the management company side and the sales company side, for example, a success fee type token usage fee for investment trust management, an offer rate of token transaction reference price information 500, and It can be a bid rate spread. Further, for example, the management company may distribute the calculated quantity of token 8 (for example, MRF token) as an incentive to the customer who is a long-term holder of the token 8 or the securities 7 associated therewith.

When a transaction such as issuance, depreciation, or sale of the token 8 of the customer is made, information such as a notification about the transaction is displayed on the token application 20 of the second computer 2. The customer can check the status of the balance of assets including his / her securities 7, token 8, and money 61 of the payment service 60 on the screen of the token application 20, and can use the money 61 such as points for payment. ..

The sixth computer 6 of the settlement company provides the settlement service 60. The payment service 60 is a payment service such as a bank account, a credit card, an IC card having a payment function, or a cashless payment service using digital money such as points. The customer can select the payment service 60 to be used from a plurality of predetermined payment services. In this example, in particular, the customer uses the point service using the payment application of the smartphone as the payment service 60. For example, the smartphone, which is the second computer 2 of the customer A1, has a payment function corresponding to the point service implemented in the form of a payment application or the like. This payment function is configured by using technologies such as NFC (Near Field Communication), a camera, and a QR (Quick Response) code. By using the payment function of the second computer 2, the customer A1 can use the points of the point service for payment of product purchase and the like. This point service also supports the above-mentioned auto charge function.

The second computer 2 acquires the token 8 (for example, an ETF token) by conversion from the securities KX1 (for example, ETF) based on, for example, an instruction by the customer A1. The second computer 2 converts the token 8 into money 61 such as cash or digital money, which is a unit of the payment service 60, based on an instruction or the like by the customer A1. In this example, the money 61 is a point of the point service. At this time, the first computer 1 appropriately performs a conversion process between the token 8 and the money 61, which is a point, while exchanging information with the token application 20 of the second computer 2 by communication. Based on the operation of the customer A1, the second computer 2 appropriately performs a payment process using the money 61 of the customer A1 with the payment service 60 of the sixth computer 6 by the payment function corresponding to the payment service 60. Do it at.

The token 8 can be immediately monetized by linking with the settlement service 60 with the sale of the associated securities 7. The second computer 2 converts the token 8 into money 61 such as cash or digital money based on the sale of the corresponding securities 7 based on the cooperation with the first computer 1. The customer can immediately use the money 61, for example, points for the payment of the payment service 60. Immediate settlement using the token 8 is possible by linking a series of processes and automatically performing them in a short time.

Payment by the payment service 60 is not limited to micropayments in daily life, and as another example, digital payroll transfer and the like can also be used. In that case, for example, the company in which the customer A1 works pays a part of the customer A1 in the form of a token 8 at the time of digital salary transfer. The token application 20 of the customer A1 is charged with the transferred token 8.

[Token issuance / distribution system-function]
FIG. 4 shows a configuration example of a main functional block of the first computer 1 of the management company in the token issuance / distribution system of the first embodiment. The first computer 1 has a securities setting / cancellation function 101, a token issuance / amortization function 102, a token management information recording function 103, a token management information display function 104, and a BC token information as functional blocks realized by software program processing and the like. It has a recording function 105, a token providing function 106, a transaction reference price information presenting function 107, a recommendation function 108, and the like.

The securities setting / cancellation function 101 receives the setting / cancellation setting data of the securities 7 from the third computer 3 of the sales company, and instructs and cooperates with the fourth computer 4 of the management company to display the securities 7 in the securities market. It is a function to buy and sell.

The token issuance / amortization function 102 is a function of issuing a token 8 by value conversion based on the securities 7 received from the securities market through a management company, and a function of amortizing the token 8 to securities 7 as an inverse conversion. ..

The token management information recording function 103 is a function for recording token management information 400 in the token storage management system 10 in response to transactions such as issuance, amortization, and sale of token 8, and is a function of the token storage management system 10 of FIG. This is a function corresponding to the token management information recording function 11.

The token management information display function 104 is a function of displaying the token management information 400 on the display screen of the display device of the first computer 1, and is a function corresponding to the token management screen display function 12 of the token storage management system 10 of FIG. Is.

The BC token information recording function 105 is a token transaction recording function, and records BC token information 51, which is transaction record information, on the fifth computer 5 on the BC 50 in response to a transaction such as issuance, depreciation, or sale of the token 8. It is a function corresponding to the BC token information recording function 13 of FIG.

The token providing function 106 is a function of transmitting the token 8 generated by the above function to the token application 20 of the customer's second computer 2 by communication via or not through the third computer 3 of the sales company. be. The token providing function 106 transmits and receives not only the token 8 but also the program data of the token application 20, various control information, related information, and the like between the token application 20 of the first computer 1 and the second computer 2. Including functions. Whether or not to use the third computer at each communication step may be determined in advance as the provisions of the system of the first embodiment, or set according to the provisions with individual customers and sales companies. You may.

The transaction reference price information presenting function 107 generates the token transaction reference price information 500 of FIG. 3 so that it can be used as a criterion for judgment in a transaction such as buying and selling of the token 8, and presents it to a customer or a sales company. It is a function. The token transaction reference price information 500 is information including a rate in the case of conversion between the token 8 and securities, a rate in the case of conversion between a certain token 8 and another token 8, and the like at each time point. Further, the token transaction reference price information 500 may include information such as a rate in the case of conversion between the token 8 and the money 61 of the settlement service 60. The reference price in the token transaction reference price information 500 is expressed as, for example, "1 ETF token = 1,500 MRF token". In addition, "1 token" corresponds to the value or quantity possessed by the token 8 on the data being 1, and may be described as one unit for the sake of explanation.

The recommendation function 108 is a function of providing the token application 20 of the customer's second computer 2 with recommendation information regarding the composition of products such as investment trusts that are the source of the customer's token 8. The first computer 1 transmits the generated recommendation information to the second computer 2, and the token application 20 displays the recommendation information on the screen. The recommendation function 108 may propose advantageous changes to the customer's products according to the investment performance status at each time point. The first computer 1 may provide the customer's token application 20 with portfolio proposal information based on, for example, an investor characteristic diagnosis as recommendation information.

The first computer 1 is equipped with the above-mentioned functions and various functions corresponding to the business model. More specifically, the token management function of the first computer 1 includes a small transaction recording function 1A, an individual principal grasping function 1B, an auto charge instruction function 1C, a success fee calculation function 1D, a token-based tax calculation function 1E, and the like. include.

The small-amount transaction recording function 1A is a function that enables transactions such as buying and selling of token 8 in units of 1 yen or less in yen conversion and after the decimal point, and manages information.

The individual principal grasping function 1B is a function of grasping information such as the individual principal of the investment trust which is the securities 7 through the transaction of the token 8 and the recording of the information.

The auto charge instruction function 1C corresponds to the above-mentioned auto charge function and is a conversion function between the token 8 and the money 61 of the payment service 60, in other words, a payment service interlocking function. The auto-charge instruction function 1C is a function for instructing and managing auto-charge related to money 61 such as points converted from token 8 based on communication with the token application 20 of the customer's second computer 2.

The success fee calculation function 1D is a function of determining the above-mentioned success fee amount, preferential measures, etc. by an original calculation based on the distribution of the token 8 for the investment trust which is the securities 7, and presenting it to the customer or the corresponding sales company. Is.

The token-based tax calculation function 1E is a function of calculating the taxable amount of the securities 7 based on the converted token 8 and presenting it to the customer or the corresponding sales company. This tax can be calculated as a taxable amount of 1 yen or less, corresponding to the fact that the token 8 can be handled even in a small unit of 1 yen or less.

Further, in the configuration example of FIG. 4, a token storage management system 10 is configured in the management company in addition to the first computer 1 for each user U1. The token storage management system 10 can be configured by a computer such as a PC or a server, and a computer system including a storage device, a DB server, or the like. Not limited to this, the token storage management system 10 may be integrally configured with the first computer 1 or may be configured as a system on a communication network outside the management company.

The token storage management system 10 provides a graphical user interface (GUI) for the user U1 of the management company for each function of the first computer 1, and visualizes each information in an easy-to-understand manner.

The token storage management system 10 records the token management information 400 in the DB, and reads / writes the token management information 400 according to the access from the first computer 1. The token storage management system 10 configures screen data for displaying the token management information 400 in response to a request from the first computer 1, and transmits the response to the first computer 1. The first computer 1 displays a token management screen including the token management information 400 on the display screen of the display device based on the screen data of the response. The user U1 can confirm the desired token management information 400 according to the operation of the token management screen for the GUI.

As a configuration example, the token management information 400 includes customer ID, sales company ID, securities ID (brand, etc.), securities attribute, number of units, amount of money, token (token ID and token value), and individual information for each customer. Includes information such as principal, but does not include customer personal information (information such as address and account). The individual principal is the individual principal when the securities 7 are investment trusts. Through the token storage management system 10, the management company can grasp information such as the status of tokens 8 and securities 7 held by each customer and individual principals, and can conduct business using such information. The token management information 400 of the token storage management system 10 has a correspondence relationship with the BC token information 51 on the BC 50. While the BC token information 51 is record information of all transactions related to the token 8, the token management information 400 is information visualized in a format that is easy for the user U1 to grasp and work with.

In the token management information 400 of the token storage management system 10 and the BC token information 51 on the BC 50, the association between the token 8 and the securities 7 which is the source thereof is information-managed for each customer. Based on the information management, the person of the management company can know the information of the securities 7 associated with the token 8 of a certain customer, and conversely, the token 8 associated with the securities 7 from a certain securities 7. You can know the information of.

When communicating between the first computer 1 of the management company and the second computer 2 of the customer, the following is an example of communication in the case where the third computer 3 of the sales company is interposed between them. The first computer transmits the generated token 8 information to the third computer 3. The third computer 3 receives the information of the token 8 and records the information in the memory. The third computer 3 transmits the information of the token 8 to the customer's second computer 2. The second computer 2 receives the information of the token 8, stores it in the memory, and displays it on the display screen by the token application 20.

[Token issuance / distribution method-flow]
FIG. 5 shows each step of the flow configuration example on the token issuance / distribution system of the first embodiment as a detailed configuration example of the token issuance / distribution method of the first embodiment. This flow has steps S1 to S18. In this flow, each arrow indicates the direction in the case of buying, but the same mechanism can be applied in the case of selling as the direction of the opposite arrow.

In step S1, the customer (for example, customer A1) gives an instruction (“buying and selling instruction”) regarding the purchase or sale of the securities 7 (for example, an investment trust) to the sales company (for example, sales company X1). This instruction may be an instruction from the user U2 who is the customer A1 to the user U3 of the sales company X1, or may be a communication of an instruction from the second computer 2 to the third computer 3.

If the customer has already purchased and holds the securities 7, the held products can also be converted into the token 8. In that case, the instruction for conversion from the securities 7 to the token 8 may be transmitted from the customer's second computer 2 to the first computer 1 via or without the third computer 3 of the sales company.

In step S2, based on the trading instruction of step S1, the third computer 3 of the sales company sends the first computer 1 of the management company the data for setting or canceling the securities 7 to be traded (with "setting data"). ) Is sent. The term "setting" here means setting / cancellation of so-called ETFs, purchase of investment trusts (purchase as an extension of purchase instructions), and the like.

In step S3, the first computer 1 transmits a trading instruction (“trading instruction”) regarding the securities 7 to be traded to the fourth computer 4 of the management company based on the setting data of step S2.

In step S4, the fourth computer 4 of the management company buys and sells (for example, the second securities K2 which is an ETF) of the securities 7 to be bought and sold in the securities market (in other words, the corresponding product) based on the setting instruction of step S3. Accept / withdraw). Further, step S4b occurs depending on a predetermined case such as when the name rewriting is required. In step S4b, the operating company's fourth computer 4 performs an operation such as vibration retention with respect to the vibration retention mechanism 9 based on the setting instruction in step S3.

Japan Securities Depository Center refers to a custody transfer or a custody transfer system. The Japan Securities Depository Center, Inc. and securities companies manage the management (occurrence, transfer and extinction) of the rights of shareholders, etc., which have been carried out on the premise of the existence of stock certificates, etc., based on the "Act on Transfer of Corporate Bonds, Shares, etc." It is done electronically in an account opened in, etc. In this custody transfer system, the Japan Securities Depository Center, Inc. shall be stocks listed on financial instruments exchanges, stock acquisition rights, corporate bonds with stock acquisition rights, investment units, preferred investment, investment trust beneficiary rights (ETF), and equivalents. We handle items with the consent of the issuer. Securities may be deposited with Japan Securities Depository Center. Japan Securities Depository Center handles customer's personal information.

In step S5, the fourth computer 4 of the management company transmits the data of the corresponding product (for example, the purchased securities 7) to the first computer 1 of the management company. The first computer receives the corresponding product, for example, the second securities K2 which is an ETF from the fourth computer 4.

In step S6, the first computer of the management company issues, in other words, generates the token 8 by the value conversion process, backed by the securities 7 received in step S5. For example, the second token T2, which is an ETF token, is generated from the second securities K2, which is an ETF. At this time, the target securities are amortized for the token issuance. The value of the generated token 8 is determined according to the amount of the securities 7 of the generation source and the token transaction reference price information 500 at that time. For example, the value of the converted token 8 is determined so as to be equivalent to the converted amount of the securities 7 according to the exchange rate between the securities 7 and the token 8 at that time. Similarly, although the description is omitted, the amortization of the token 8 is also possible as an inverse conversion.

In step S7, with the issuance / amortization of the token 8 in step S6, the first computer 1 records / updates the token management information of FIG. 4 in the token storage management system 10. The token management information to be recorded when the token 8 is issued includes, for example, information such as date and time, transaction ID, token ID, token value (quantity), token attribute, and securities 7 as a source of funds associated with the token 8. It includes information such as securities ID, securities attributes, number of units, amount of money, and individual principal, and information such as associated customer ID and sales company ID. If the token 8 is generated before the sale and is not yet associated with the customer or the like, the information such as the customer ID can be omitted. At this time, the user U1 of the management company can confirm by looking at the token management information displayed on the token management screen of FIG. 4, or can confirm it later at an arbitrary timing.

In step S8, the first computer 1 records the BC token information 51, which is the transaction record information, on the selected fifth computer 5 on the BC 50 in accordance with the recording of the token management information in step S7 (FIG. 6 described later). ). For example, the first computer 1 configures the BC token information 51 based on the token management information.

In the flow of this example, the order of steps S7 and S8 is used, but the order is not limited to this, and the order may be reversed as a modification. That is, the first computer 1 may first record the BC token information 51 on the BC 50, and then record the corresponding token management information in the token storage management system 10. For example, the first computer 1 may extract necessary information from the BC token information 51 to configure token management information.

In step S9, the first computer 1 transmits and delivers the token 8 issued in step S6 to the customer in step S1 and the third computer 3 of the sales company corresponding to the sales company in step S2.

In step S10, the third computer 3 of the sales company transmits the token 8 received in step S9 to the second computer 2 of the customer in the corresponding step S1 and delivers it. The token application 20 of the second computer 2 obtains the token 8.

In this example, the transfer of the token 8 is performed through the third computer 3 of the sales company, but the method may not be performed through the sales company. In that case, the token 8 may be transmitted from the first computer 1 to the second computer 2. The token 8 to be exchanged is, in detail, information / data indicating that the token 8 is issued according to the securities 7 purchased by the customer, and includes a token ID, a token value, and the like.

In step S11, the second computer 2 records the information of the token 8 obtained in step S10 in the memory by the processing of the token application 20, and displays it on the display screen. At this time, in detail, the token application 20 synchronizes the price and the like between the token storage management system 10, the BC50, and the token application 20 as an optimization. Further, as an automatic calculation, the token application 20 performs the same numbering and one-to-one association between the securities 7 as a resource and the token 8. After that, the token application 20 displays the token transaction reference price information 500 on the screen based on the information provided from the first computer 1 as in the next step S12.

In step S12, the first computer 1 generates the latest token transaction reference price information 500, transmits it to the customer's second computer 2, and presents it. The first computer 1 updates, for example, the token transaction reference price information 500 at predetermined time points such as a commuter pass. The token application 20 of the second computer 2 may acquire the latest token transaction reference price information 500 from the first computer 1, for example, at predetermined timings. When the token application 20 is activated, the token application 20 displays a screen described later including the token transaction reference price information 500. The user U2, who is a customer, can determine a transaction such as buying and selling related to the token 8 while referring to the token transaction reference price information 500.

In step S13, the customer appropriately, according to his / her own judgment, or according to the conditions set in advance for the token application 20, with another customer or a corresponding other sales company, the token 8 It is possible to carry out transactions such as buying and selling and exchanging. The customer can give an instruction or the like corresponding to the transaction while checking the information on the screen of the token application 20. In this example, the customer A1 buys and sells the token 8 with the customer A2 or the sales company Y1 through the respective sales companies.

In step S14, the customer's second computer 2 tokens to the first computer 1 with or without the third computer 3 of the sales company based on the operation of the user U2 or the like in accordance with the token transaction of step S13. Information indicating the contents or instructions of transactions such as buying and selling or exchange of 8 (“token transaction information”) is transmitted.

In step S15, the first computer 1 updates the token management information to the token storage management system 10 according to the token transaction information in step S14. For example, in the case of a transaction in which the token 8 is sold, the updated token management information includes information such as the quantity of tokens after the sale.

In step S16, the first computer 1 records the BC token information 51 corresponding to the token transaction information in step S14 to the fifth computer 5 on the BC 50. For example, in the case of a transaction in which the token 8 is sold, the BC token information 51 recorded in the additional block includes information such as the transaction subject, the token ID of the target token, the quantity, and the sale (FIG. 6 described later). ..

In step S17, the first computer 1 transmits information representing the result of the token transaction in step S14 to the corresponding customer's second computer 2 with or without the third computer 3 of the corresponding sales company. The second computer 2 displays information representing the result of the token transaction on the display screen by the token application 20.

Further, at the time of steps S15, S16, S17, the first computer 1 calculates the necessity of taxation and the taxable amount associated with the token transaction, and obtains the token management information, the BC token information 51, and the result of the token transaction to the customer. Describe in the information to be represented.

In step S18, the token application 20 of the customer's second computer 2 can use the customer's token 8 at any time based on the operation of the customer A1, for example, or according to a preset condition, such as cash or digital money. Convert to money 61, for example points (FIG. 3). At this time, for example, in the case where the customer is set to use the auto charge function, a predetermined quantity of tokens 8 becomes a predetermined quantity of money 61 as an auto charge operation at a timing satisfying conditions such as a predetermined period and amount. Will be converted. The money 61 is a point of the payment service 60 that the customer selectively uses. This conversion can also be performed at any time according to the customer's arbitrary judgment. During the token-to-point conversion process in step S18, the token application 20 temporarily monetizes the target token 8 or the securities 7 associated with the target token 8 as a background process. The cash may be converted into points by conversion. In the example of the first embodiment, the MRF token and the MRF are used for immediate monetization. At that time, the token application 20 sells, for example, an ETF token and converts it into an MRF token. As a result, the balance of the reference MRF token increases and the balance of the ETF token decreases. Then, the MRF token is converted into points.

At the time of this step S18, as a more detailed step, it is a process including communication between the first computer 1 and the second computer 2. For example, the second computer 2 transmits information (“token conversion instruction”) to the effect of conversion between the token 8 and the points to the first computer 1. The information includes, for example, information that specifies the quantity of tokens 8 to be converted and the payment service 60 to be used. The first computer 1 (the above-mentioned auto-charge function) converts the token 8 of the corresponding customer into points based on the token transaction reference price information 500 at that time according to the information of the token conversion instruction, and converts the token 8. Information representing the result (“token conversion result information”) is transmitted to the second computer 2. The token application 20 of the second computer 2 displays information representing the result of converting the token 8 into points on the display screen according to the token conversion result information. That is, information such as the customer's current token 8 and the balance of points and the like is displayed on the display screen (FIG. 9 described later).

At the time of step S18, as another processing example, the token application 20 of the second computer 2 performs a conversion process between the token 8 and the points, transmits information indicating the conversion result to the first computer 1, and first. The computer 1 may update the token management information and the like.

In step S18, the token 8 is substantially monetized. In this step S18, not only the form of charging at the above points but also cashing (corresponding cash withdrawal, etc.) by the payment service 60 such as a bank account or a credit card is possible according to the selective use by the customer. When auto-charging is selected in step S18, the processing of this step can be automatically executed as background processing in the first computer 1 and the second computer 2.

The following is an example of processing when the auto charge function is used in step S18. First, the customer (or management company) sets the period, amount, and the like as conditions for the auto charge function in the token application 20 in advance. As an example of setting conditions, there is a setting that auto-charge is performed within a predetermined amount range once a month when there is an investment profit and tokens are increasing. When charging at any time, the customer may perform an operation of specifying the token quantity to be charged, the corresponding point quantity, or the like on the screen of the token application 20. The token application 20 immediately reduces the balance of the token 8 (for example, MRF token) by conversion according to the charge instruction, and the balance of points and the like of the payment service 60 by processing linked with the payment service 60 (data transmission, etc.). To increase. The payment in this example is a non-DVP (Delivery Versus Payment) payment method. The management company gives an instruction to transfer money to the account of the settlement company together with the management company ID, and the settlement company charges the payment application of the customer's second computer 2 with the points with the additional points according to the instruction.

In step S18, when the payment is executed using the points, it may be completed in the second computer 2 of the customer, or it may be linked with the first computer 1 and the payment service 60 of the first computer 1 and the payment company. You may perform processing with. For example, the first computer 1 receives information for payment from the second computer 2 and transmits a payment instruction to the sixth computer 6 that provides the payment service 60 of the payment company. The sixth computer 6 executes a payment process, for example, charging points to the payment application of the second computer 2 of the customer in response to the instruction.

Although not shown in this flow, as another step, the first computer 1 notifies the customer's second computer 2 of usage fees related to services such as securities and tokens at predetermined intervals. There are steps to be taken.

[Blockchain (BC)]
FIG. 6 shows an example of recording BC token information 51 for a fifth computer 5 which is a BC node on BC 50. The fifth computer 5 records the BC token information 51, which is the transaction record information related to each transaction from the issuance of the token to the amortization, in the BC format in response to the instruction from the first computer 1. In the example of FIG. 6, BC nodes N1, N2, and N3 are shown as examples of BC nodes that are the fifth computer 5, and blocks B1, B2, and B3 are shown as blocks that are recording units. For example, the BC node N1 records the BC token information 51a as the BC token information 51 in the block B1. The BC node N2 records the BC token information 51b in the block B2. The BC node N3 records the BC token information 51c in the block B3. For example, in the block B1, information indicating that the management company has issued the token Tx in the quantity m1 is written as the transaction record information in the first period. In the next block B2, information indicating that the customer A1 has purchased the token Tx in the quantity m2 is written as the transaction record information in the second period. In the next block B3, information indicating that the customer A1 has sold the token Tx in the quantity m3 is written as the transaction record information in the third period. Similarly, the BC token information 51 of the block can be used as information for various transactions such as when a token is converted into points or the like or when it is exchanged for another token.

In the first embodiment, as a distributed ledger, such a BC50 is used for recording transactions such as tokens between each entity, in other words, transfer of rights. The record on this BC50 can be used as proof.

In general, BC is a distributed ledger that records information related to all transactions from the time of occurrence to the present. BC is composed of a chain of a plurality of blocks. One block is a block of transactions for a certain period of time, and corresponds to one page of the ledger. BC can be used on a communication network such as the Internet. BC is a method in which the resources of the computer provided by the participants (the fifth computer 5 in the first embodiment), that is, the processor, the memory, and the like are shared among the participants. The security of BC is guaranteed by an encryption method using a private key and a public key. Since the BC is composed of a plurality of computers, even if one of the computers is broken, the operation can be continued on the other computer group. The transaction information recorded in the block on the BC node is recorded and confirmed only when the transaction is checked to be legitimate. Even after the block is recorded, the recorded information is checked for falsification. For the check, calculation of the hash value of the block or the like is used. The hash value of the previous block is stored in a certain block.

[Token issuance example]
FIG. 7 shows an example of issuing a token 8 in the method of the first embodiment, and shows an example of value conversion between the token 8 and the securities 7. FIG. 7 shows the state, transaction, and the like at each of the four time points (1) to (4). (1) At the first time point (for example, January 6th), the management company opens an account C0 for token management, deposits 1.5 million yen, and purchases MRF (first securities K1) to increase the balance. MRF is 1.5 million units. Customer A1 has already opened an account C1 for sales company X1 and has a balance of 200,000 MRF units due to the purchase of MRF. Customer A2 opens a new account C2 for sales company X1, deposits 100,000 yen, and purchases MRF, and the balance is 100,000 units of MRF.

(2) At the second time point (for example, January 13), the transaction reference price information is 1 ETF token = 1,500 MRF as the exchange rate between the ETF token (second token T2) and the MRF token (first token T1). It is a token. The management company has sold 700,000 MRF units and purchased 500 ETF units, and the balance of the account C0 is 1.5 million MRF units and 500 ETF units. In addition, the management company issues 800,000 MRF tokens and 500 ETF tokens (here, 1 token = 1 unit) based on those resources, and as a result, the balance of the account C0 is MRF80. There are 10,000 units, 500 ETF units, 800,000 MRF tokens, and 500 ETF tokens. The balance at the second time point is 800,000 MRF tokens in the city = 800,000 supporting MRFs and 500 ETF tokens in the city = 500 supporting ETFs.

(3) At the third time point (for example, January 14th), the transaction reference price information is the same as the second time point, and 1 ETF token = 1,500 MRF token. For example, customer A1 has sold 150,000 MRF units and purchased 150,000 MRF tokens. The balance of the account C1 of the customer A1 is 50,000 MRF units and 150,000 MRF tokens. Customer A2 has sold 100,000 MRF units and purchased 100,000 MRF tokens. The balance of the account C2 of the customer A2 is MRF0 units and MRF tokens 100,000 units. Reflecting these transactions, the balance of the management company's account C0 is 1.05 million MRFs, 500 ETFs, 550,000 MRF tokens, and 500 ETF tokens. The balance at the third time point is the same as the balance at the second time point.

(4) At the fourth time point (for example, January 15), the transaction reference price information has been updated, and 1 ETF token 1 ETF token = 1,600 MRF token.

[Payment interlocking example]
As a supplement, FIG. 8 shows an explanatory diagram regarding the payment interlocking function and the corresponding business model example (particularly, additional points are given). FIG. 8 shows a configuration example of conversion and settlement between the token 8 (for example, the investment trust token 803) and the unit of the settlement service 60 (for example, the point 805 which is digital money). A part of the distribution 802 of the investment trust 801 is received by the management company, which is the token issuing company, as the operation and maintenance cost 804. The management company provides the operation and maintenance cost 804 to the settlement company, which is the point provider, as a sales promotion cost. The settlement company issues points 805 of the settlement service 60 using the sales promotion expenses as a source of funds. At that time, the settlement company issues points 805, which is the sum of the points for the distribution of 802 and the points for the additional issuance by the settlement company. A customer who is a point user can obtain points 805 by combining them, so that the substantial yield is improved.

When converting the investment trust token 803 to the points 805, the management company sells the investment trust token 803 and immediately monetizes it. The management company deposits the same amount as the payment amount of the customer's payment into the deposit account 812 related to the payment service 60 based on the cash generated by the management company. This deposit can be combined into one, especially for multiple customers. The settlement company processes the payment amount of each customer of the plurality of customers based on the deposit of the deposit account 812.

The above additional point granting is a new service provided on the premise of the token mechanism, and is provided when the customer has acquired the token, and is a conventional point granting service that does not presuppose the token mechanism. Is different. As described above, according to the payment interlocking function and the example of the business model, the operation and payment by the point 805 are integrated as a merit for the customer who is the user of the point 805 of the payment service 60 (for example, the cashless payment service). It is possible to provide new experience value to customers. In this business model example, since the token is converted into money such as specific points, the use of the money (for example, small payment using points) is limited. This enhances the sales promotion effect.

[Fixed and variable token value]
For the value of the token 8, any of the following two methods may be applied. The first method is a fixed method. In this case, a certain token is fixed at a certain value (for example, a predetermined amount in yen conversion) from issuance to amortization. In this token, the value (or conversion rate, etc.) determined by the value conversion from the original securities, etc. at the time of issuance is fixedly maintained and does not change until amortization. The second method is a variable method. In this case, the value (or conversion rate, etc.) of a token may fluctuate from issuance to amortization. The value of this token determined by value conversion from the original securities, etc. at the time of issuance may subsequently fluctuate based on predetermined rules, etc. Further, as another method, a complex method may be used in which the value is fixed from the issuance to a certain period and the value fluctuates in the subsequent period.

[Token application screen example]
FIG. 9 shows an example of a display screen and GUI in the token application 20 of the customer's second computer 2. The token application 20 displays GUI information including elements such as menus and icons on the display screen of the display device of the second computer 2 as shown in the figure. In the screen example 901 of FIG. 9A, buttons such as "market", "asset list", "payment", and "setting" are displayed near the lower side as buttons corresponding to each function item of the menu. Has been done. The screen example 901 of (A) shows an example of displaying the asset list information when the "asset list" is selected. This asset list information is information for displaying the assets held by the customer in a list, and in this example, it has a "securities balance" column, a "token balance" column, and a "point balance" column. In each column, information such as name (ID), sales company / settlement company, number of units, balance amount, etc. is displayed in a list for each securities, tokens, and points. The token value can be switched such as yen conversion display.

The screen example 902 of (B) shows an example of displaying the token detailed information when a certain token item is selected and operated from the screen of (A). In this token detailed information column, information such as securities, sales companies, and balance amount associated with the token, and information on the usage history of the token are displayed. The usage history includes the history of deposits and withdrawals to and from the customer's account. In this example, the case of yen conversion display is shown.

The screen example 903 of (C) shows a display example of the above-mentioned token transaction reference price information, recommendation information, and the like. This screen includes a token transaction reference price information column, a recommendation information column, and a transaction candidate customer information column. In the token transaction reference price information column, for example, a reference price such as a daily exchange rate between securities and tokens is displayed. In the recommendation information column, information such as a recommendation for purchasing a certain token is displayed. In the transaction candidate customer information column, information on customers who are potential counterparties for token transactions between customers is displayed. The customer can select from the candidates and contact the transaction with the customer.

Although not shown, when the "payment" button is operated from the menu, it is possible to perform a payment operation corresponding to the payment service 60 used by the customer in conjunction with the payment application. For example, in the case of a cashless payment service using a QR code or the like on a smartphone, the screen transitions to a screen for reading the QR code according to the operation, and after reading the QR code, payment can be made by points or the like by conversion from the token. When the "Settings" button is operated from the menu, user settings related to the token application 20 and the services of each business can be made. In addition, the above-mentioned auto charge function can be used from the menu of the above screen, the "token balance" column, the token detailed information column, etc., based on a predetermined operation, and the screen changes to the following screen, for example. can.

FIG. 10 shows an example related to the auto charge function as another screen example in the token application 20 of the customer's second computer 2. The screen example 1001 of (A) shows a display example in the case of the regular sale method with respect to the method and setting of the conversion from the token 8 to the money 61, and (B) shows the display example in the case of the profit taking method. The screen (A) has an asset graph 1011, an amount column 1012, a "total token investment after charge" column, an "auto charge setting" button, a "charge amount so far" button, and a settlement service balance confirmation button. The asset graph 1011 is a graph in which the horizontal axis is time and the vertical axis is the asset amount. The amount column 1012 shows the token investment amount (market price) specified by the customer for the current settlement, for example, Yyyyyy yen, and this month's auto charge amount (~ sale / monetization ~), for example, Zzzzzz yen (to "XXX Pay"). Information including payment) is displayed. "XXX Pay" is an example of the name of the payment service 60 that the user selectively uses. Settings and confirmations can be made by operating each button.

The screen of (B) is the asset graph 1021, the amount column 1022, the "total token investment after charge" column, the "auto charge setting" button, the "target amount setting" button, the settlement service balance confirmation button, and the "token addition". Has a "Buy" button. In the asset graph 1021, a line of a set target amount (for example, target amounts A and B) is also displayed. In the amount column 1022, in addition to the same information as the amount column 1012, information on the set target amount (example: A, B) and the autochargeable amount (total) for each target amount is also displayed. The target amount can be set by operating the "Set target amount" button. You can purchase additional tokens 8 by operating the "Additional token purchase" button.

The auto charge settings are as follows, for example. In the case of the regular sale method (A), the customer specifies the amount, date / day of the week, frequency, token to sell, payment service to be used (“XXX Pay”, etc.). In the case of the profit-taking sale method (B), the customer specifies the target amount (example: A, B), the split ratio / frequency of the target excess amount, and the like. For example, the target amount A is the level of complete sale of principal as shown as a constant value in the asset graph 1021. The target amount B is a sale amount line due to the expected return risk as shown by a constant increase straight line in the asset graph 1021, and is automatically calculated. This is automatically calculated from the assumption based on the expected return risk by the management company based on the individual principal calculated and grasped for each investor (customer) based on the token storage management system 10 and BC50. It is the target amount to be done.

In the case of the profit-taking sale method (B), for example, in the case of the target amount B, there is a function of recommending an increase in the purchase amount when the target amount is less than the target amount B, which is a part of the above-mentioned recommendation function. In this function, the first computer 1 simulates the future asset amount according to the additional purchase amount, posts it on a graph through the token application 20, and recommends it to the customer. As in the above example, the customer can use the auto charge function and the like in an easy-to-understand manner while looking at the screen of the token application 20, and can be aware of asset management using the token 8 while linking with the payment function.

[Effects, etc.]
As described above, according to the token issuance / distribution method and system of the first embodiment, information processing related to the business of trading securities such as investment trusts can be managed by advancing the progress of digitization. It is possible to improve efficiency and promote transactions, and it is possible to make investment such as investment trusts easier and more accessible to customers. Management companies, etc. can propose the management of assets including tokens to customers in the asset formation layer. According to this method, by using tokens on BC and the like, digitization of investment trusts can be realized, and new businesses that were difficult to realize in the past can be realized. The management company can grasp information such as the individual principal of the investment trust of the customer by using the BC and the token storage management system. If there is a trading instruction from the customer, the management company can grasp the information such as the individual principal without having to handle the customer's personal information even in the securities transaction flow via the sales company. The management company can record and visualize such information in the token storage management system, and can provide various businesses to customers and the like based on the information.

Customers can store tokens, breed them, monetize them, and use them for payment (the payment service 60 described above). For customers, the tokens that can be used for payment make investment more accessible and lower the barriers to investment. For the customer, it is possible to monetize the investment results and the investment principal, and it is possible to visualize the investment results. For example, the customer can confirm information such as assets held including tokens, investment results, and investment principal on the screen of the token application, and can confirm the amount of charge and payment information.

According to the method of the first embodiment, if the customer has already opened one account with any sales company, the customer can hold or buy and sell securities handled by other sales companies in the form of tokens. You can trade. From the perspective of the management company and management company, multiple securities of multiple sales companies can be distributed in the form of tokens, and various businesses can be provided.

(Embodiment 2)
The token issuance / distribution method and system of the second embodiment of the present invention will be described with reference to FIG. Hereinafter, the components different from those of the first embodiment in the second embodiment and the like will be described. FIG. 11 shows the token issuance / distribution method and the configuration of the system according to the second embodiment. In the second embodiment and the third embodiment described later, on the premise of the configuration shown in the first embodiment, as an additional function, a function of trading tokens in conjunction with a car or a railroad used by a user who is a customer. have. In the second and third embodiments, the amount equivalent to the amount converted according to the metered amount based on the monitoring including the metered amount regarding the distance and cost parameters, for example, the mileage of the car used by the user and the fare used for the railway. Has the ability for customers to automatically purchase tokens and corresponding services. Further, in the second and third embodiments, as in the above-mentioned payment interlocking function, a function that can automatically convert and allocate tokens of the type purchased according to the usage amount to the money of the payment service selected and used by the customer. And have a corresponding service. These services are new services that can be realized via tokens.

When the functions in the second and third embodiments are used, a certain token is purchased according to, for example, the mileage of a car, based on the information management in the token storage management system 10 and the BC50 described above. It can be identified that. That is, the management company and the customer can identify and manage the token converted from the above-mentioned securities and the token converted according to the mileage or the like as different types of tokens. The customer can specify only the desired type of token and automatically charge the settlement money.

The system of the second embodiment of FIG. 11 has the above-mentioned components of FIGS. 1 to 3 as substantially the same, and as an additional component, the automobile 200 purchased, possessed, and used by the customer (user U2). Has. These elements are appropriately communicated and connected via the Internet, mobile networks, and the like. The car 200 is a car that can connect to the Internet and is equipped with a computer 201. The computer 201 may be an in-vehicle ECU or the like, a car navigation system (car navigation device) installed on a dashboard or the like, or a second computer 2 such as a smartphone or a tablet terminal owned by the user U2 who rides in the car 200. But it may be. Further, the automobile 200 may be connected to a computer 202 of an automobile company such as a manufacturer of the automobile 200. The computer 201 of the automobile 200 and the computer 202 of the automobile company may communicate with each other. The computer 201 of the automobile 200 and the second computer 2 of the user U2 may communicate with each other. Customers may use these multiple computers together to receive services.

The vehicle 200 or the computer 201 has a function of monitoring the metered amount for parameters including the mileage of the vehicle 200. The mileage is, in other words, the distance traveled. In this example, the computer 201 measures the mileage of the automobile 200 for a predetermined period (for example, a certain period from the start of service use or a period set by the user U2) and a unit period (for example, one day) within that period. It has a recording function as a monitoring function. This function is a function that can hold monitoring data including metered mileage information and output it to the outside. The computer 201 may display information such as the measured mileage metered amount on the screen of the display device. For example, on the screen, the value of today's mileage and the cumulative mileage in a predetermined period is displayed.

In the second embodiment, the monitoring data acquisition unit 1001 of the first computer 1 acquires the monitoring data MD obtained by the monitoring function of the customer's automobile 200 and the computer 201 by communication including wireless communication. As a typical example, the second computer 2 of the customer (user U2) communicates with the computer 201 of the automobile 200, and the token application 20 acquires monitoring data from the computer 201. The token application 20 of the second computer 2 communicates with the first computer 1 of the management company, and the first computer 1 acquires monitoring data from the second computer 2. The communication of the monitoring data is not limited to this, and as shown in the figure, the data may be directly transmitted from the computer 201 of the automobile 200 to the first computer 1, or the computer 202 of the automobile company may be transmitted from the computer 201 of the automobile 200. It may be in the form of transmitting data to the first computer 1 via the system. Further, as described above, data may be transmitted from the customer's second computer 2 to the first computer 1 via the sales company's third computer 3. Further, instead of the token application 20, another predetermined application linked with the token application 20, for example, an automobile application may have a function related to monitoring. The token application 20 or the like of the second computer 2 may display information such as the acquired mileage on the display screen based on the operation of the user U2.

The first computer 1 performs a process related to a transaction in which a customer (user U2) automatically purchases a token 8 based on the acquired monitoring data MD. Similar to the first embodiment, the token issuing unit 1002 of the first computer 1 has a function of issuing a token 8 (referred to as a token 8A for distinction) from the securities 7 by conversion. In addition, in the second embodiment, the token issuing unit 1002 issues token 8 (referred to as token 8B for distinction) corresponding to the amount to be converted according to the metered amount of the mileage parameter in the monitoring data MD. It has a function to process transactions purchased by customers. At this time, the first computer 1 automatically calculates the token investment amount from the metered amount according to the condition setting of the token investment amount, and performs the process of purchasing the token 8B. Token 8A and Token 8B are identified as tokens 8 of different types. The token 8B may be paraphrased as, for example, a car token, a mileage token, or the like.

In this system, the conditions for converting the metered mileage to the token 8B are set in advance. This condition may be fixedly determined by the management company or the like, or user setting of different conditions may be possible for each customer. For example, as a condition preset in the first computer 1, the amount of money per unit mileage is set as the conversion rate. An example of the conversion rate is an image of 100 yen (100 yen / 1 km) per 1 km. The target predetermined period may be a predetermined period (for example, one year) from the start of use of the user U2 regarding this service, or a desired period (for example, one month) set by the user U2 within the predetermined period. For example, from the monitoring data MD of a certain user U2, when the mileage in the first day is 5 km, the token issuing unit 1002 is 5 km based on the conversion rate set in the token application 20 of the user U2. Is converted to 500 yen. The token issuing unit 1002 issues tokens 8B so as to convert them into tokens 8B in a quantity corresponding to the 500 yen. Then, the first computer 1 processes the transaction so that the token 8B of the issued quantity is the token 8 automatically purchased by the user U2.

The first computer 1 executes a transaction related to the issuance and purchase of the token 8B for the token storage management system 10 and the BC 50. The first computer 1 records the information for managing the transaction in the token storage management system 10, and records the BC token information 51 having the corresponding contents in the fifth computer 5 of the BC 50. The management company withdraws the token investment amount calculated by the first computer 1 from the customer's bank account, credit card, etc., and allocates it to the investment (purchase) of the token 8B.

The first computer 1 transmits information indicating the result of the purchase of the token 8B by the user U2 to the second computer 2 in connection with the above transaction. The token application 20 records the information and displays it on the display screen. On the display screen, for example, information such as the quantity of tokens 8B purchased according to today's mileage and the quantity of tokens 8B purchased so far according to the cumulative mileage within the period is displayed. .. Not limited to this, the recording and display of the information regarding the purchase of the token 8B may be similarly performed by the computer 201 of the automobile 200, the computer 202 of the automobile company, the third computer 3 of the sales company, or the like.

Further, in the second embodiment, it also has a payment interlocking function regarding the token 8B according to the mileage. The second computer 2 of the customer can use the auto charge function for the token 8B purchased by the customer, as in the first embodiment. The user U2 can automatically convert and allocate his / her token 8B to the money 61 of the payment service 60 that he / she selectively uses, for example, based on the setting of the conditions in the token application 20. Then, the user U2 can appropriately use the money 61 for daily settlement by using the settlement function. For example, the user U2 can automatically charge the token 8B for a certain amount of money to the money 61 such as points on a regular basis. The customer can easily convert one or both of the token 8A and the token 8B into money 61 and use it for the payment service 60.

As described above, according to the second embodiment, the customer can automatically make an investment related to the token 8B in connection with the driving of the automobile 200 which is used in daily life, and the token 8B thereof. Can be linked to payments in daily life. The customer and the automobile company can agree on the service related to the automatic token investment function as described above in advance with the management company and set the applicable period and conversion rate / token investment amount arbitrarily. As a result, the customer can automatically invest the token 8B according to the mileage during the period. The customer can also allocate the sale fund of the token investment amount to the payment of various expenses for owning the automobile 200 and the purchase fund of the new car to be purchased next time. In setting the token investment amount, the customer can also set an investment amount target and an expected return risk according to the class of the next new car purchase. At that time, the management company and the automobile company may post information such as the standard class equivalent amount of the automobile and the medium risk / return product to the customer as recommendation information through the token application 20 or the like. Regarding various settings such as the token investment amount, period, target amount, etc., the first computer 1 of the management company performs a simulation and provides recommendation information so that the customer can recommend the optimum investment behavior including those settings. You may. In the second embodiment or the like, since a small amount of investment is possible for the token converted from the metered amount, the customer can make an investment according to the distance even if the travel distance is short.

(Embodiment 3)
The token issuance / distribution method and system of the third embodiment of the present invention will be described with reference to FIG. The third embodiment shows a configuration when applied to a railway as an example of a transportation infrastructure. FIG. 12 shows the token issuance / distribution method and the configuration of the system according to the third embodiment. As an additional component, this system has a railroad 300 that a customer (user U2) uses for commuting in daily life. The third embodiment has a function and a corresponding service that can automatically purchase a token 8C equivalent to the amount converted according to the metered amount based on the monitoring by the user U2 including the metered amount regarding the usage fare parameter of the railway 300. .. The fare used is a parameter that is roughly associated with the distance traveled by the train, the cost, and the like. Further, in the third embodiment, a function and a corresponding service that can automatically convert and allocate the token 8C of the type purchased according to the usage rate of the usage fare to the money 61 of the payment service 60 that the customer selects and uses is provided. Have. The management company and the customer can identify and manage the token 8A converted from the securities 7 and the token 8C converted according to the fare of the railway 300 as different types of tokens 8. For example, the customer can specify only the token 8C and automatically charge the money 61 of the payment service 60.

The railway 300 includes components such as automatic ticket gates for trains and stations managed by railway companies. The railway 300 has a computer 301 connected to a train or an automatic ticket gate. The computer 301 is communicated with the computer 302 of the railway company. For example, the computer 301 connected to the automatic ticket gate has a function of monitoring the metered amount of parameters including the fare of the railway 300 by the customer. Alternatively, the computer 301 mounted on the train may monitor the usage fare for each customer. Alternatively, the computer 302 of the railway company may monitor the usage fare for each customer based on the communication with the computer 301. Further, instead of the computers 301 and 302 of the railway company, or in cooperation with them, the second computer 2 or the transportation IC card 303 or the like owned by the customer has a function of monitoring the fare and the like. May be good. Typically, the computer 301 connected to the automatic ticket gate performs a process of grasping and calculating the usage section and the corresponding usage fare when the customer enters and exits the automatic ticket gate using the transportation IC card 303 or the like. conduct. The transportation IC card 303 is an IC card in which an amount of money is charged in advance based on a customer's operation, and the usage fare is deducted in accordance with the processing at the time of passing through the automatic ticket gate machine. The transportation IC card 303 may be a commuter pass card or the like.

Further, a device in which a function such as a transportation IC card 303 is implemented as an application on a second computer 2 such as a customer's smartphone can also be applied. In that case, the second computer 2 can grasp the usage section and the usage fare when the customer enters and exits the automatic ticket gate. In this example, the second computer 2 that implements the function of the transportation IC card 303 or the like has a monitoring function of measuring and recording the usage fare for each unit period within a predetermined period of the customer (user U2). This function is a function that can retain monitoring data including information on the usage rate and output it to the outside. The second computer 2, for example, the token application 20, may display information such as the usage rate on the display screen. For example, on the display screen, the value of today's usage fare and the cumulative usage fare for a predetermined period are displayed.

In the third embodiment, as a first example, the computer 301 of the railway 300 provides information on the fare paid when the customer's transportation IC card 303 or the second computer 2 passes through the automatic ticket gate and enters and exits the railway company. In the electronic record book of the computer 302 of. The customer and the railway company register the customer's identification information, for example, the railway user number, with the management company in advance based on the contract. The first computer 1 registers information such as the railway user number in the token storage management system 10. The computer 302 of the railway company transmits the customer's fare information together with the customer's user number to the first computer 1 based on the communication from the computer 301. The first computer 1 calculates the corresponding distance from the customer's paid fare information based on a table or the like that prescribes the correspondence relationship between the fare and the distance, which is established by the railway company in advance. In this table, the correspondence between the fare and the distance may be set in detail according to the route, section, ticket type, presence or absence of a commuter pass, and the like. The first computer 1 of the management company converts the usage fare and the distance based on the table or the like. Alternatively, the first computer 1 may convert the usage fare into an approximate distance or the like based on the calculation formula.

In the third embodiment, as a second example, the monitoring data acquisition unit 1011 of the first computer 1 uses the monitoring data obtained by the monitoring function of the customer's second computer 2 to use the railway 300 for communication including wireless communication. Get by. The second computer 2 (or transportation IC card 303) of the customer (user U2) communicates with the computer 301 and acquires monitoring data when the customer enters and exits the automatic ticket gate. Alternatively, the token application 20 may create monitoring data using information that can be acquired from the computer 301, the transportation IC card 303, or the like. The token application 20 of the second computer 2 communicates with the first computer 1 of the management company, and the first computer 1 acquires monitoring data from the second computer 2. Communication of monitoring data is not limited to this, and as shown in the figure, data may be directly transmitted from the computer 301 of the railway 300 to the first computer 1, or from the computer 301 to the first computer via the computer 302. It may be in the form of transmitting data to 1. Further, as described above, data may be transmitted from the customer's second computer 2 to the first computer 1 via the sales company's third computer 3. Further, another predetermined application linked with the token application 20, for example, a railway application may have a function related to monitoring.

The first computer 1 performs a process related to a transaction in which a customer (user U2) automatically purchases a predetermined type of token 8C based on a monitoring data MD acquired from a customer, a railway company, or the like. The token issuing unit 1012 of the first computer 1 has a function of issuing a token 8A by conversion from the securities 7, and a token corresponding to the converted amount according to the metered amount of the usage fare parameter in the monitoring data MD. It has a function to process a transaction to purchase 8C. The first computer 1 automatically calculates the token investment amount from the metered amount according to the condition setting of the token investment amount, and performs a process of purchasing the token 8C. The token 8C may be paraphrased as, for example, a railway token, a fare token, or the like.

In this system, conditions for converting the usage fare metered amount to token 8C are set in advance. This condition may be fixedly determined by the management company or the like, or user setting of different conditions may be possible for each customer. For example, as a condition preset in the first computer 1, the relationship between the usage fare and the train mileage is defined based on the above table and the like, and the amount of money per train mileage is the conversion rate. Is set as. Not limited to this, the token investment amount per fare may be set directly. For example, if the usage fare for a unit period is X yen from the monitoring data MD of a certain user U2, the token issuing unit 1012 charges X yen based on the conditions set in the token application 20 of the user U1. Convert to Ykm, and then convert from Ykm to the investment amount of Z yen. The token issuing unit 1012 issues a token 8C in a quantity corresponding to the Z yen, and the token 8C is automatically purchased by the user U2. Similar to the second embodiment, the first computer 1 executes the transaction processing related to the issuance and purchase of the token 8C to the token storage management system 10 and the BC50. The management company withdraws the token investment amount (Z yen) calculated by the first computer 1 from the customer's bank account, credit card, transportation IC card 303, etc., and allocates it to the investment of the token 8C.

The first computer 1 transmits information indicating the result of the purchase of the token 8C by the user U1 to the second computer 2 in connection with the above transaction. The token application 20 of the second computer 2 records the information and displays it on the display screen. On the display screen, for example, information such as the quantity of tokens 8C purchased according to today's fare and the quantity of tokens 8C purchased so far according to the cumulative fare within the period is displayed. .. Not limited to this, information regarding the purchase of the token 8C may be recorded and displayed in the same manner on the computer 302, the third computer 3 of the sales company, or the like.

Further, in the third embodiment, the token 8C according to the usage fare has a payment interlocking function. The second computer 2 can use the auto charge function for the token 8C purchased by the customer, as in the first embodiment. The user U2 can automatically convert and allocate his / her token 8C to the money 61 of the payment service 60 that he / she selectively uses, for example, based on the setting of the conditions in the token application 20. Then, the user U2 can appropriately use the money 61 for daily settlement by using the settlement function. For example, the user U2 can periodically charge a certain amount of token 8C to money 61 such as points. The customer can easily convert one or both of the token 8A and the token 8C into money 61 for payment. The payment service 60 that can be selected in the third embodiment also includes the transportation IC card 303.

As described above, according to the third embodiment, the customer can automatically realize investment and settlement related to the token 8C in relation to the use of the railway 300 which is familiar in daily life. The customer and the railway company agree in advance with the management company, etc. on the service related to the automatic token investment function as described above, and the customer can arbitrarily set the applicable period and conversion rate / token investment amount. .. As a result, the customer can automatically invest the token 8C according to the fare used during the period (the train mileage associated therewith, etc.).

As a modification of the second and third embodiments, the monitoring data may include a metered amount of parameters other than the mileage and the fare used, and may be, for example, a metered amount of the cost related to the running of the automobile 200. The cost may be expressed in terms of amount of money, energy consumption, or the like, and may be, for example, a charge for gasoline, electricity, or the like. Further, as a modification, the same can be applied not only to the automobile 200 of the second embodiment but also to other vehicles including motorcycles and the like, that is, any vehicle whose mileage and the like can be monitored. Further, the same can be applied not only to the railway 300 of the third embodiment but also to other transportation infrastructures including buses and the like, that is, any transportation infrastructure in which the usage fare and the like can be monitored. Further, it is also possible to integrate the embodiments 2 and 3 into one, and in that case, the service can be similarly used for each vehicle or transportation infrastructure selected by the user. In the above, the form in which the customer purchases the tokens 8B and 8C has been described, but the form is not limited to this, and the management company or the like can grant the tokens 8B and 8C to the customer as some kind of service or privilege. be.

Although the present invention has been specifically described above based on the embodiments, the present invention is not limited to the above-described embodiments and can be variously modified without departing from the gist.

1 ... 1st computer, 2 ... 2nd computer, 3 ... 3rd computer, 4 ... 4th computer, 5 ... 5th computer, 6 ... 6th computer, 7 ... securities, 8 ... token, 20 ... token app, SA, SB, SC, SD, SE ... Step, U1, U2, U3 ... User.

Claims (15)

It is a token issuance / distribution method that issues / distributes tokens that are electronic record transfer right information related to assets.
According to the setting data regarding the instruction to buy and sell the asset, which is transmitted to the first computer of the management company through the third computer of the sales company, the first computer is sent to the fourth computer of the management company that manages the financial product. Steps to direct the buying and selling of assets and
A step in which the first computer issues the token by conversion in terms of value, using the asset bought and sold through the fourth computer as a source of funds and backing.
A step in which the first computer records token management information, which is information for management of the issued token.
A step in which the first computer records the token information in a distributed ledger on a security-secured communication network based on the token management information.
A step in which the first computer transmits the information of the token associated with the traded asset to the second computer or the third computer used by the customer.
In response to an instruction regarding a transaction for buying, selling or exchanging the token, which is transmitted to the first computer through the second computer or the third computer, the first computer processes the transaction for buying, selling or exchanging the token. And the step of updating the token management information
A step in which the first computer records information representing the result of a transaction for buying, selling or exchanging tokens in the distributed ledger.
A step in which the first computer transmits information representing the result of the transaction to the second computer or the third computer.
Token issuance and distribution method. In the token issuance / distribution method according to claim 1 ,
The second computer includes a plurality of second computers, and the third computer includes a plurality of third computers.
The instruction regarding the transaction of buying, selling or exchanging the token is an instruction regarding the transaction of buying or selling or exchanging the token between the plurality of second computers and the plurality of third computers.
Token issuance and distribution method. In the token issuance / distribution method according to claim 1 or 2 .
In the step of updating the token management information by the first computer, the first computer updates the token management information in response to the completion of execution of the transfer process relating to the consideration for the token in the transaction of buying or selling or exchanging the token. ,
Token issuance and distribution method. It is a token issuance / distribution method that issues / distributes tokens that are electronic record transfer right information related to assets related to payment services including cashless payment services that use cash or digital money as money.
The step in which the first computer of the management company issues the token by converting the value with the asset as a source of funds and backing.
A step of recording token management information, which is information for management of the issued token by the first computer, and
Through the second computer or the third computer, the first computer provides the token to the second computer used by the customer or the third computer of the sales company that sells financial products and trades with the customer. A step in which the first computer processes the transaction for buying, selling or exchanging the token, and updates the token management information in response to the instruction regarding the transaction for buying, selling or exchanging the token, which is transmitted to the first computer. When,
A step in which the first computer transmits information representing the result of a transaction for buying, selling or exchanging tokens to the second computer or the third computer.
The first computer responds to the instruction information for converting the token into the money for the payment in the payment service used by the customer, which is transmitted to the first computer through the second computer. , A step of performing a process of converting the token to the money and updating the token management information with the fifth computer of the payment company that provides the payment service.
Token issuance and distribution method. In the token issuance / distribution method according to claim 1,
A token issuing / distribution method, further comprising a step in which the first computer generates transaction reference price information for the token and transmits it to the second computer. In the token issuance / distribution method according to claim 1,
The token can be traded in a predetermined currency, including buying and selling in less than the minimum unit in the predetermined currency.
The first computer further has a step of calculating the taxable amount in less than the minimum unit in connection with the transaction of the token.
Token issuance and distribution method. It is a token issuance / distribution method that issues / distributes tokens that are electronic record transfer right information related to assets.
The step in which the first computer of the management company issues the token by converting the value using the investment trust as a source of funds and backing.
A step of recording token management information, which is information for management of the issued token by the first computer, and
Through the second computer or the third computer, the first computer provides the token to the second computer used by the customer or the third computer of the sales company that sells financial products and trades with the customer. A step in which the first computer processes the transaction for buying, selling or exchanging the token, and updates the token management information in response to the instruction regarding the transaction for buying, selling or exchanging the token, which is transmitted to the first computer. When,
A step in which the first computer transmits information representing the result of a transaction for buying, selling or exchanging tokens to the second computer or the third computer.
A step in which the first computer grasps and records information on the individual principal and holding period of the investment trust for each customer through the recording of information associated with the transaction of the token.
The step in which the first computer determines at least one of the success fee amount or the incentive for long-term holders regarding the operation of the investment trust for each customer according to the information on the individual principal and the holding period for each customer. When,
Token issuance and distribution method. In the token issuance / distribution method according to claim 4 ,
Based on the conditions set by the first computer with the second computer, the token is automatically used when the customer's assets reach a predetermined profit taking level or at a predetermined period. It has a step of selling the financial product associated with the above and applying it to the money of the settlement service.
Token issuance and distribution method. In the token issuance / distribution method according to claim 4 ,
The process of converting the token to the money by the first computer is to provide additional money by the settlement company in exchange for providing funds to the settlement company based on the distribution resulting from the investment in the asset. It is a process to convert to give,
Token issuance and distribution method. In the token issuance / distribution method according to claim 1,
Through the recording of information associated with the transaction of the token, the first computer generates recommendation information including a recommendation for buying and selling of the token or at least one of the financial instruments with respect to the assets of each customer, and the second computer generates the recommendation information. Have a step to send,
Token issuance and distribution method. In the token issuance / distribution method according to claim 1,
The token has, as at least two types of tokens, a first token associated with the first asset and a second token associated with a second asset having a higher risk than the first asset.
The first computer has a step of performing a conversion between the first token and the second token.
Token issuance and distribution method. It is a token issuance / distribution method that issues / distributes tokens that are electronic record transfer right information related to assets.
The step in which the first computer of the management company issues the token by converting the value with the asset as a source of funds and backing.
A step of recording token management information, which is information for management of the issued token by the first computer, and
A step in which the first computer provides the token to a second computer used by a customer or a third computer of a sales company that sells financial products and deals with the customer.
In response to an instruction regarding a transaction for buying, selling or exchanging the token, which is transmitted to the first computer through the second computer or the third computer, the first computer processes the transaction for buying, selling or exchanging the token. And the step of updating the token management information
A step in which the first computer transmits information representing the result of a transaction for buying, selling or exchanging tokens to the second computer or the third computer.
A step in which the first computer acquires monitoring data based on monitoring including metered distance or cost parameters of travel in a vehicle including a car used by the customer.
Based on the setting of conditions including the conversion amount per unit amount regarding the metered amount of the vehicle of the customer and the monitoring data, the customer obtains the token corresponding to the amount according to the metered amount. Steps to process transactions to buy automatically, and
Token issuance and distribution method. It is a token issuance / distribution method that issues / distributes tokens that are electronic record transfer right information related to assets.
The step in which the first computer of the management company issues the token by converting the value with the asset as a source of funds and backing.
A step of recording token management information, which is information for management of the issued token by the first computer, and
A step in which the first computer provides the token to a second computer used by a customer or a third computer of a sales company that sells financial products and deals with the customer.
In response to an instruction regarding a transaction for buying, selling or exchanging the token, which is transmitted to the first computer through the second computer or the third computer, the first computer processes the transaction for buying, selling or exchanging the token. And the step of updating the token management information
A step in which the first computer transmits information representing the result of a transaction for buying, selling or exchanging tokens to the second computer or the third computer.
A step in which the first computer acquires monitoring data based on monitoring including metered distance or cost parameters of travel in a predetermined period of time in a transportation infrastructure including a railroad used by the customer.
Based on the setting of conditions including the conversion amount per unit amount regarding the metered amount of the transportation infrastructure of the customer and the monitoring data, the first computer obtains the token corresponding to the amount according to the metered amount to the customer. Steps to process transactions that are automatically purchased by
Token issuance and distribution method. The token issuance / distribution method according to claim 12 or 13 , which relates to a payment service including a cashless payment service using cash or digital money as money.
The first computer or the second computer converts the token purchased according to the metered amount into the money of the payment service used by the customer and allocates it based on the operation or setting of the customer. Have steps,
Token issuance and distribution method. It is a token issuance / distribution system that issues / distributes tokens that are electronic record transfer right information related to assets.
A trading instruction unit that instructs the fourth computer of the management company that manages financial products to buy or sell the asset according to the setting data regarding the instruction to buy or sell the asset, which is transmitted through the third computer of the sales company.
A token issuing unit that issues the token by conversion in terms of value, using the asset bought and sold through the fourth computer as a source of funds and backing.
Token record that records token management information that is information for management related to the issued token, and records the token information in a distributed ledger on a security-secured communication network based on the token management information. Department and
A token transmission unit that transmits information on the token associated with the traded asset to the second computer or the third computer used by the customer.
In response to an instruction regarding the transaction of buying, selling or exchanging the token transmitted through the second computer or the third computer, the transaction of buying or selling or exchanging the token is processed, and the token management information is updated. A transaction processing unit that records information representing the result of a transaction for buying, selling or exchanging tokens in the distributed ledger, and
A transaction result transmission unit that transmits information representing the transaction result to the second computer or the third computer.
A token issuance / distribution system equipped with.

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