JP7702264B2 - Dividend payment system, blockchain system, payment control system, dividend payment method, and computer program - Google Patents

Description

The present invention relates to a dividend payment system, a blockchain system, a payment control system, a dividend payment method, and a computer program in which the process of paying dividends for contributions using tokens in a blockchain is controlled by a smart contract placed on the blockchain.

Traditionally, a scheme has been in place where real estate etc. is acquired using funds raised through investments from anonymous partners (investors) and loans from financial institutions, and the profits gained from the real estate etc. are distributed to the anonymous partners and used to repay the financial institutions. This type of scheme is usually called a GK-TK scheme, where GK stands for limited liability company (Goudou Kaisha) and TK stands for anonymous partnership (Tokumei Kumiai), and in this scheme the limited liability company (GK) establishes a special purpose company (SPC) based on the "Act on Liquidation of Assets" and carries out various necessary procedures.

The following Patent Document 1 discloses the provision to investors of real estate securitization products that have been securitized by operators of a specified partnership in accordance with the Real Estate Specified Joint Venture Act. In addition, the following Patent Document 2 discloses the use of a special purpose company (SPC) to present information to those wishing to invest in crowdfunding targeting real estate.

On the other hand, tokens have traditionally been used to raise funds using blockchain technology, and one such method of fundraising using tokens is a method called STO (Security Token Offering) that uses security tokens. An example of combining security tokens with the above-mentioned GK-TK scheme is disclosed in the following non-patent document 1 (see pages 32, 38, etc. of non-patent document 1).

Blockchain also uses autonomously operating programs (a type of computer program) called smart contracts. A smart contract generally executes a certain action when certain conditions are met, and examples of technology related to smart contracts are disclosed in the following Patent Documents 3 to 5.

JP 2014-35726 A JP 2019-215864 A JP 2020-198060 A JP 2019-191876 A JP 2019-159935 A

Haruo Narimoto, "Possibilities and legal frameworks for real estate investment using tokens", January 15, 2020, see "4. Benefits of security tokens/STOs" on page 32 and "Tokens representing TK interests (Securities under Clause 2) in GK-TK schemes" on page 38, Internet URL: https://www.mlit.go.jp/totikensangyo/content/001330170.pdf

Even when investing using tokens based on blockchain technology, dividends will be paid to investors (contributors) according to the investment amount (amount of contribution). The payment (transfer) process of dividends to contributors will be handled by a server located outside the blockchain (e.g., a financial institution server). However, such a server does not store the number of tokens each contributor holds, and since the blockchain, which functions as a kind of database, has characteristics different from those of general database devices, there is a problem that some kind of ingenuity is required in the communication between the blockchain side and the server in order to identify the transfer amount to each contributor and smoothly process the dividend payment.

Furthermore, if the investment target is a rental property (for example, rented real estate), it is necessary to pay management fees to the manager of such property, and if such payments are made in conjunction with the payment of dividends described above, various payment processes can be carried out centrally. In addition to the payment of management fees, this also applies to the payment of principal and interest when the investment target is a loan property, the payment of investment management fees when the investment target is an investment management property, the payment of trustee fees to the trustee when the investment target is a trust object, and the payment of trust dividends to businesses that perform services for the investor.

The present invention has been made in consideration of the above circumstances, and aims to provide a dividend payment system, blockchain system, payment control system, dividend payment method, and computer program that enable a financial institution server outside the blockchain to smoothly pay dividends when making investments using tokens based on blockchain technology, with processing control being primarily performed by smart contracts placed on the blockchain.
Another object of the present invention is to provide a dividend payment system, a blockchain system, a payment control system, a dividend payment method, and a computer program that enable payments of management fees, principal and interest, fees related to investment trust management, trustee fees, trust dividends, etc., in association with the payment of dividends to be made centrally based on instructions in a smart contract.

In order to solve the above problems, the dividend payment system according to the present invention includes a financial institution system that performs processing related to payments based on payment instructions, and a blockchain system related to a blockchain in which a smart contract is placed, and the financial institution system is configured to perform processing related to the payment of dividends to investors. In this dividend payment system, the blockchain records ownership token information indicating the number of tokens owned by each investor, the financial institution system includes a means for sending a capital deposit notice to the blockchain system notifying the deposit of the capital related to the dividends, and the smart contract is activated by the transmitted capital deposit notice. The blockchain system includes a means for specifying the amount of the deposited capital to be distributed to each investor according to the ownership token information recorded in the blockchain based on the activated smart contract, and a means for sending a payment instruction to the financial institution system that instructs the payment of the amount for each identified investor based on the activated smart contract, and the financial institution system includes a means for performing processing related to the payment of the amount for each investor instructed in the received payment instruction to the financial institution account related to each investor when the payment instruction is received.

In addition, in the dividend payment system according to the present invention, the object of the investor's investment corresponds to a rental property, the rental property is a trust established, is an object of investment management, and is purchased with a loan, the financial institution system has a means for sending a rental payment notice to the blockchain system notifying that a rental payment has been received, the smart contract is activated by the sent rental payment notice, and the blockchain system, based on the activated smart contract, calculates from the rent a management fee to the manager of the rental property, a trustee's fee to the trustee, a fee to the investment manager, and principal and interest to the lender. and means for transmitting various payment instructions to the financial institution server instructing the payment of the management fee to the administrator, the trust fee to the trustee, the fee to the investment manager, the principal and interest to the lender, and the calculated trust dividend to the token trader based on the activated smart contract, and the financial institution server is characterized in that, when the financial institution server receives the various payment instructions, it is equipped with means for performing processing related to the payment of the management fee to the financial institution account related to the administrator, the payment of the trust fee to the financial institution account related to the trustee, the payment of the fee to the financial institution account related to the investment manager, and the payment of the trust dividend to the financial institution account related to the token trader.

Furthermore, in the dividend payment system according to the present invention, the target of the investor's investment corresponds to a rental property, the financial institution system has a means for sending a rental fee deposit notice to the blockchain system notifying that a rental fee deposit has been made, the smart contract is activated by the sent rental fee deposit notice, the blockchain system has a means for sending a management fee payment instruction to the financial institution server based on the activated smart contract, instructing payment of a management fee to the manager of the rented property, and the financial institution server has a means for performing processing related to the payment of the management fee to the financial institution account related to the manager when the management fee payment instruction is received.

Furthermore, the dividend payment system according to the present invention is characterized in that the rented property is placed in a trust, the blockchain system includes a means for sending a trust fee payment instruction to the financial institution server instructing the payment of a trust fee to the trustee based on a smart contract triggered by the rental payment notification, and the financial institution server includes a means for performing processing related to the payment of the trust fee to the financial institution account related to the trustee when the financial institution server receives the trust fee payment instruction.

The dividend payment system according to the present invention is also characterized in that the rented property is a target of investment management, the blockchain system includes a means for sending a remuneration payment instruction to the financial institution server, instructing the payment of remuneration to the investment manager, based on a smart contract activated by the rental fee deposit notification, and the financial institution server includes a means for performing processing related to the payment of remuneration to the financial institution account related to the investment manager when the remuneration payment instruction is received.

Furthermore, the dividend payment system according to the present invention is characterized in that the rented property is purchased with a loan, the blockchain system includes a means for sending a principal and interest payment instruction to the financial institution server, which instructs the payment of principal and interest to the lender, based on a smart contract activated by the rental payment notification, and the financial institution server includes a means for performing processing related to the payment of principal and interest to the financial institution account related to the lender when the principal and interest payment instruction is received.

The dividend payment system according to the present invention comprises a financial institution system that performs processing related to payments based on payment instructions, a blockchain system related to a blockchain in which a smart contract is placed, and a management and operation system capable of communicating with the blockchain system, and the financial institution system is configured to perform processing related to the payment of dividends to investors. In the dividend payment system, the blockchain records owned token information indicating the number of tokens owned by each investor, the financial institution system has a means for sending a capital deposit notice to the blockchain system notifying the deposit of the capital related to the dividends, the smart contract is activated by the transmitted capital deposit notice, and the blockchain system is configured to detect the activated smart contract. The system is characterized in that it comprises a means for determining the distribution ratio for each contributor based on the contract and in accordance with the owned token information recorded on the blockchain, and a means for transmitting ratio information including information indicating the ratio for each identified contributor to the management and operation system based on the activated smart contract, and when the management and operation system receives the ratio information, it comprises a means for determining the amount of the deposited funds to be distributed to each contributor in accordance with the ratio for each contributor indicated in the received ratio information, and a means for transmitting a payment instruction for the amount for each identified contributor to the financial institution system, and when the financial institution system receives the payment instruction, it comprises a means for performing processing related to the payment of the amount for each contributor indicated in the received payment instruction to the financial institution account for each contributor.

In addition, in the dividend payment system according to the present invention, the object of the investor's investment corresponds to a rental property, the rental property is a trust established, is an object of investment management, and is purchased through a loan, the financial institution system has a means for sending a rental payment notice to the blockchain system notifying that a rental payment has been received, the smart contract is activated by the sent rental payment notice, the blockchain system has a means for sending to the management and operation server payment information instructing the payment of a management fee to the administrator, a trust fee to the trustee, a fee to the investment manager, principal and interest to the lender, and a trust dividend to the token trader based on the activated smart contract, and the management and operation system The system includes, when the payment information is received, a means for calculating the trust dividend to the token trader by subtracting from the rent the management fee to the manager of the rented property, the trust fee to the trustee, the fee to the investment manager, and the principal and interest to the lender, and a means for transmitting various payment instructions to the financial institution server instructing the payment of the management fee to the manager, the trust fee to the trustee, the fee to the investment manager, the principal and interest to the lender, and the calculated trust dividend to the token trader, and the financial institution server includes, when the various payment instructions are received, a means for performing processing related to the payment of the management fee to the financial institution account related to the manager, the payment of the trust fee to the financial institution account related to the trustee, the payment of the fee to the financial institution account related to the investment manager, and the payment of the trust dividend to the financial institution account related to the token trader.

Furthermore, the dividend payment system according to the present invention is characterized in that the blockchain system is provided with an application programming interface, and the smart contract is activated upon receipt of the notification of the deposit of the underlying capital via the application programming interface.

Furthermore, the dividend payment system according to the present invention is characterized in that the blockchain system is provided with an application programming interface, and the smart contract is activated upon receipt of the rental payment notification via the application programming interface.

The blockchain system according to the present invention is a blockchain system that causes an external financial institution system that performs processing related to payments based on payment instructions to perform processing related to the payment of dividends to investors by payment instructions based on a smart contract placed on the blockchain, and is characterized in that the blockchain records ownership token information indicating the number of tokens owned by each investor, and the smart contract is activated by a capital deposit notification that notifies the deposit of capital related to dividends from the external financial institution system, and is equipped with a means for specifying the amount of the deposited capital to be distributed to each investor according to the ownership token information recorded on the blockchain based on the activated smart contract, and a means for transmitting a payment instruction to the external financial institution system that instructs payment of the amount for each identified investor based on the activated smart contract.

The blockchain system according to the present invention is also characterized in that it includes an application programming interface, and the smart contract is activated upon receipt of the notification of the deposit of the underlying funds via the application programming interface.

Furthermore, the blockchain system according to the present invention is characterized in that the object of the investor's investment corresponds to a rental property, the rental property is a trust established, is an object of investment management, and is purchased through a loan, the smart contract is activated by a rental payment notification that notifies an external financial institution system that a rental payment has been received, and the system is equipped with a means for calculating a trust dividend to a token trader by subtracting, from the rental fee based on the activated smart contract, a management fee to the manager of the rented property, a trust fee to the trustee, a fee to the investment manager, and principal and interest to the lender, and a means for transmitting various payment instructions to an external financial institution server that instruct the payment of the management fee to the manager, the trust fee to the trustee, the fee to the investment manager, the principal and interest to the lender, and the calculated trust dividend to the token trader based on the activated smart contract.

Furthermore, the blockchain system according to the present invention is characterized in that it includes an application programming interface, and the smart contract is activated upon receipt of the rental payment notification via the application programming interface.

The payment control system according to the present invention comprises a blockchain system for a blockchain in which a smart contract is placed, and a management and operation system capable of communicating with the blockchain system, and causes an external financial institution system that performs processing related to payments based on a payment instruction to perform processing related to the payment of dividends to investors. The blockchain records owned token information indicating the number of owned tokens for each investor, and the smart contract is activated by a capital deposit notification that notifies the deposit of the capital related to the dividends from the external financial institution system. The blockchain system comprises a means for specifying the ratio of distribution for each investor according to the owned token information recorded in the blockchain based on the activated smart contract, and a means for transmitting ratio information including information indicating the ratio for each identified investor based on the activated smart contract to the management and operation system. When the management and operation system receives the ratio information, it comprises a means for specifying the amount of the deposited capital to be distributed to each investor according to the ratio for each investor indicated in the received ratio information, and a means for transmitting a payment instruction for the amount for each identified investor to the external financial institution system.

The payment control system according to the present invention is also characterized in that the blockchain system is provided with an application programming interface, and the smart contract is activated upon receipt of the notification of the deposit of the underlying funds via the application programming interface.

Furthermore, in the payment control system according to the present invention, the object of the investor's investment corresponds to a rental property, the rental property is a trust established, is an object of investment management, and is purchased through a loan, the smart contract is activated by a rental payment notification that notifies an external financial institution system that a payment related to the rental fee has been received, and the blockchain system pays, based on the activated smart contract, a management fee to the administrator, a trust fee to the trustee, a fee to the investment manager, principal and interest to the lender, and a credit fee to the token trader. The management and operation system is characterized by having a means for transmitting payment information to the management and operation server that instructs the payment of the trust dividend, and when the management and operation system receives the payment information, a means for calculating the trust dividend to the token trader by subtracting from the rent a management fee to the manager of the rented property, a trust fee to the trustee, a fee to the investment manager, and principal and interest to the lender, and a means for transmitting various payment instructions to an external financial institution server that instruct the payment of the management fee to the manager, the trust fee to the trustee, the fee to the investment manager, principal and interest to the lender, and the calculated trust dividend to the token trader.

The payment control system according to the present invention is characterized in that the blockchain system is provided with an application programming interface, and the smart contract is activated upon receipt of the rental payment notification via the application programming interface.

The dividend payment method according to the present invention is a method in which a blockchain system related to a blockchain in which a smart contract is deployed causes a financial institution system that performs processing related to payments based on a payment instruction to perform processing related to the payment of dividends to investors, in which the blockchain records ownership token information indicating the number of owned tokens for each investor, the financial institution system executes a step of sending a capital deposit notice notifying the deposit of the capital related to the dividend to the blockchain system, the smart contract is activated by the transmitted capital deposit notice, and the blockchain system executes a step of specifying an amount related to the deposited capital to be distributed to each investor according to the ownership token information recorded in the blockchain based on the activated smart contract, and a step of sending a payment instruction to the financial institution system based on the activated smart contract, instructing payment of the amount for each identified investor, and when the financial institution system receives the payment instruction, executes a step of performing processing related to the payment of the amount for each investor instructed in the received payment instruction to the financial institution account related to each investor.

In addition, the dividend payment method according to the present invention is a dividend payment method system in which a blockchain system related to a blockchain in which a smart contract is placed and a management and operation system capable of communicating with the blockchain system cause a financial institution system that performs processing related to payments based on payment instructions to perform processing related to the payment of dividends to investors, the blockchain records owned token information indicating the number of tokens owned by each investor, the financial institution system executes a step of sending a raw material deposit notice to the blockchain system notifying the deposit of raw material related to dividends, the smart contract is activated by the transmitted raw material deposit notice, and the blockchain system performs a step of executing a payment instruction for the blockchain system based on the activated smart contract. The system executes a step of determining the distribution ratio for each contributor according to the owned token information recorded in the smart contract, and a step of transmitting ratio information including information indicating the ratio for each identified contributor to the management and operation system based on the activated smart contract, and when the management and operation system receives the ratio information, it executes a step of determining the amount of the deposited funds to be distributed to each contributor according to the ratio for each contributor indicated in the received ratio information, and a step of transmitting a payment instruction for the amount for each identified contributor to the financial institution system, and when the financial institution system receives the payment instruction, it executes a step of performing a process for paying the amount for each contributor indicated in the received payment instruction to the financial institution account for each contributor.

Furthermore, the dividend payment method according to the present invention is a dividend payment method in which a blockchain system related to a blockchain in which a smart contract is deployed causes an external financial institution system that performs processing related to payment based on a payment instruction to perform processing related to the payment of dividends to investors, characterized in that the blockchain records ownership token information indicating the number of tokens owned by each investor, the smart contract is activated by a raw material deposit notification that notifies the deposit of raw materials related to dividends from the external financial institution system, and the blockchain system executes the steps of: based on the activated smart contract, specifying the amount of the deposited raw materials to be distributed to each investor according to the ownership token information recorded in the blockchain; and based on the activated smart contract, transmitting a payment instruction to the external financial institution system instructing payment of the amount for each identified investor.

Furthermore, the dividend payment method according to the present invention is characterized in that the object of the investor's investment corresponds to a rental property, the rental property is a trust established, is an object of investment management, and is purchased with a loan, the smart contract is activated by a rental payment notification that notifies an external financial institution system that a rental payment has been received, and the blockchain system executes the steps of: calculating the trust dividend to the token trader by subtracting the management fee to the manager of the rented property, the trust fee to the trustee, the fee to the investment manager, and the principal and interest to the lender from the rent based on the activated smart contract; and transmitting various payment instructions to the external financial institution server to instruct the payment of the management fee to the manager, the trust fee to the trustee, the fee to the investment manager, the principal and interest to the lender, and the calculated trust dividend to the token trader based on the activated smart contract.

The dividend payment method according to the present invention is characterized in that a blockchain system related to a blockchain in which a smart contract is placed and a management and operation system capable of communicating with the blockchain system cause an external financial institution system that performs processing related to payment based on a payment instruction to perform processing related to the payment of dividends to investors, the blockchain records ownership token information indicating the number of tokens owned by each investor, the smart contract is activated by a capital deposit notification that notifies the deposit of the capital related to the dividend from the external financial institution system, the blockchain system executes a step of specifying the ratio of the distribution for each investor according to the ownership token information recorded in the blockchain based on the activated smart contract, and a step of transmitting ratio information including information indicating the ratio for each identified investor to the management and operation system based on the activated smart contract, and when the management and operation system receives the ratio information, it executes a step of specifying the amount of the deposited capital to be distributed to each investor according to the ratio for each investor indicated in the received ratio information, and a step of transmitting a payment instruction for the amount for each identified investor to the external financial institution system.

Furthermore, in the dividend payment method according to the present invention, the object of the investor's investment corresponds to a rental property, the rental property is a trust established, is an object of investment management, and is purchased through a loan, the smart contract is activated by a rental deposit notification that notifies an external financial institution system that a deposit related to the rental has been made, and the blockchain system instructs the payment of a management fee to the administrator, a trustee's fee to the trustee, a fee to the investment manager, principal and interest to the lender, and a trust dividend to the token trader based on the activated smart contract. The management and operation system executes a step of transmitting payment information indicated by the payment information to the management and operation server, and when the management and operation system receives the payment information, the management and operation system executes a step of calculating a trust dividend to the token trader by subtracting from the rent a management fee to the manager of the rented property, a trust fee to the trustee, a fee to the investment manager, and principal and interest to the lender, and a step of transmitting various payment instructions to an external financial institution server instructing the payment of the management fee to the manager, the trust fee to the trustee, the fee to the investment manager, principal and interest to the lender, and the calculated trust dividend to the token trader.

The computer program according to the present invention is a computer program for causing a computer device corresponding to a node included in a blockchain system related to a blockchain that records owned token information indicating the number of owned tokens for each investor to control an external financial institution system that performs processing related to payments based on a payment instruction to perform processing related to the payment of dividends to investors, and is characterized in that, based on being triggered by a raw materials deposit notification that notifies the deposit of raw materials related to dividends from the external financial institution system, the computer device executes a step of specifying the amount of the deposited raw materials to be distributed to each investor according to the owned token information recorded in the blockchain, and a step of transmitting a payment instruction to the external financial institution system instructing payment of the amount specified for each investor.

In the present invention, a smart contract is activated by a capital deposit notice sent from a financial institution system outside the blockchain to the blockchain system, and based on the activated smart contract, the amount of payment for distribution to each contributor is specified according to the owned token information stored in the blockchain, and a payment instruction indicating the specified amount is sent to the financial institution system. As a result, due to the activated smart contract, dividends can be smoothly paid to each contributor in a ratio according to the owned token information stored in the blockchain. Note that the transmission of the capital deposit notice includes either sending it directly from the financial institution system to the blockchain system or sending it to the blockchain system via a device or the like that handles processing related to communication, etc.

In the present invention, a smart contract is activated by a rental payment notification sent from a financial institution system outside the blockchain, and the amount of trust dividend to be paid to the token trader is calculated based on the activated smart contract, and various payment instructions are sent to the financial institution system to instruct the payment of the management fee to the administrator, the trust fee to the trustee, the fee to the investment manager, the principal and interest to the lender, and the calculated trust dividend to the token trader. Therefore, payment processing to the necessary payees can be performed centrally due to the activation of the smart contract. Note that the sending of the rental payment notification may be performed either directly from the financial institution system to the blockchain system or via a device or the like that handles processing related to communication, etc. to the blockchain system.

In the present invention, when the investment target is a rental property, the financial institution system sends a deposit notification based on the payment of the rental fee to the blockchain system, and the notification of the rental fee deposit activates a smart contract. Based on the activated smart contract, a payment instruction to pay the management fee to the manager is sent from the blockchain system to the financial institution system, so that the management fee to the manager can also be paid in accordance with the instructions based on the smart contract.

In the present invention, when a trust is established for the rental property that is the subject of investment, a payment instruction to pay the trust fee to the trustee is sent from the blockchain system to the financial institution system based on a smart contract that is activated by notification of the rental payment, so that the payment of the trust fee to the trustee can also be made based on instructions based on the smart contract.

In addition, in the present invention, when the rental property that is the subject of investment is the subject of investment trust management, a payment instruction to pay the investment manager a fee is sent from the blockchain system to the financial institution system based on the smart contract that is activated by the notification of the rental fee deposit, so that the payment of the fee to the investment manager can also be made in accordance with the instruction based on the smart contract.

Furthermore, in the present invention, when the rental property to be invested in has been purchased with a loan, a payment instruction to pay the principal and interest to the lender is sent from the blockchain system to the financial institution system based on the smart contract activated by the notification of the rental payment, so that the payment of principal and interest to the lender can also be made according to instructions based on the smart contract.

In the present invention, when a management and operation system exists between a financial institution system and a blockchain system, when a dividend payment is made to each contributor due to an activated smart contract, the management and operation system identifies the amount of payment made by each contributor, thereby reducing the processing burden on the blockchain system and enabling smooth payment of dividends to each contributor in a ratio according to the owned token information stored in the blockchain.

In the present invention, when a management and operation system exists between a financial institution system and a blockchain system, the management and operation system also makes various payments to the administrator, trustee, investment manager, lender, and token trader due to an activated smart contract, and the management and operation system performs calculations of the payment amount to the token trader, thereby reducing the processing burden on the blockchain system and enabling various payment-related processes to be carried out smoothly.

In the present invention, a smart contract is activated when a capital deposit notification or rental payment notification is received via an application programming interface. This allows notifications from outside the blockchain system to be flexibly received via the application programming interface, making it possible to stably activate the smart contract in response to notifications from outside and execute various processes.

In the present invention, when making an investment using tokens created by blockchain technology, even if the financial institution system outside the blockchain that processes the payment of dividends does not store the investment ratio of each investor, the smart contract placed on the blockchain takes the lead in processing the payments to each investor, so that the processing related to the payment of dividends to investors can be carried out smoothly.

In addition, in the present invention, a smart contract is activated by a notification of rental payment sent from a financial institution system outside the blockchain, and the amount of trust dividend to be paid to the token trader is calculated based on the activated smart contract, and various payment instructions are sent to the financial institution system instructing the payment of the management fee to the administrator, the trustee's fee to the trustee, the fee to the investment manager, the principal and interest to the lender, and the calculated trust dividend to the token trader.This allows the smart contract to take the lead in centralizing the processing of various payments, and various payments can be made after the rental payment has been completed, creating a good payment flow that does not impose a financial burden.

Furthermore, in the present invention, if a management and operation system exists between the financial institution system and the blockchain system, the management and operation system identifies the amount of payment from each contributor, and even if the financial institution system outside the blockchain that processes the dividend payment does not store the investment ratio of each contributor, the processing burden on the blockchain system can be reduced and dividends can be smoothly paid to each contributor at a ratio according to the owned token information stored in the blockchain.

Furthermore, in the present invention, when a management and operation system exists between the financial institution system and the blockchain system, the management and operation system also performs calculations of payment amounts to token traders when making various payments to the administrator, trustee, investment manager, lender, and token trader, thereby reducing the processing burden on the blockchain system and enabling various payment-related processes to be carried out smoothly.

In addition, in the present invention, a smart contract is activated when a notification of capital deposit or rental payment is received via an application programming interface, so that the smart contract can be activated by flexibly responding to notifications from outside the blockchain system, and various payment processes can be executed centrally by manually using the smart contract.

FIG. 1 is a schematic diagram showing an example of a GK-TK scheme for rental real estate to which the present invention is applicable. 1 is a schematic diagram showing an overall overview of a dividend payment system according to a first embodiment of the present invention. 2 is a block diagram showing the main internal configuration of a financial institution server. 13 is a diagram showing an example of a portion of the contents of a financial institution user table. 1A is a block diagram showing an outline of the internal configuration of an account DB device, and FIG. 1B is a diagram showing an example of part of the contents of a table corresponding to the account data of ABC LLC. 2 is a block diagram showing the main internal configuration of a management and operation server. 11 is a diagram showing an example of a portion of a user DB. 13 is a diagram showing an example of the contents of a payment table. FIG. 2 is a block diagram showing the main internal configuration of a batch processing server. 2 is a block diagram showing an outline of the internal configuration of a DB server. A block diagram showing the main internal configuration of a computer device applied to a node related to a BC system. This is an image diagram that shows an overview of the recorded contents of the blockchain (BC database) related to the BC system. 1 is a first flowchart including a processing procedure for paying management fees and the like in the dividend payment method according to the first embodiment of the present invention. 11 is a second flowchart including a processing procedure for paying dividends to investors in the dividend payment method according to the first embodiment of the present invention. FIG. 11 is a schematic diagram showing an overall overview of a dividend payment system according to a second embodiment of the present invention. 13 is a third flowchart including a processing procedure for paying management fees, etc. in the dividend payment method according to the second embodiment of the present invention. 13 is a fourth flowchart including a processing procedure for paying dividends to investors in the dividend payment method according to the second embodiment of the present invention. 5 is a fifth flowchart including a processing procedure for paying management fees, etc. in the dividend payment method related to the modified example of the second embodiment of the present invention. 13 is a sixth flowchart including a processing procedure for paying dividends to investors in a dividend payment method according to a modified example of the second embodiment of the present invention.

Figure 1 is a schematic diagram showing an example of a GK-TK scheme that is the premise of the dividend payment system according to the present invention. The GK-TK scheme shown in Figure 1 is a scheme in which real estate (e.g., rental real estate property) is acquired with funds collected from investments from anonymous partners (anonymous partnership contributors, contributors who are investors) and loans from financial institutions, and funds based on rent from the real estate are used for distributions to anonymous partners, repayments to financial institutions, compensation to investment managers (asset manager 5 in Figure 1), management fees to the administrative management company 6 for the rental real estate (manager, e.g., accounting firm), etc.

Specifically, in the example shown in Figure 1, if 1 billion yen is needed to purchase a rental real estate property, 300 million yen of that 1 billion yen will be loan 1a provided by lender 7a (corresponding to a financial institution or lender), 300 million yen of the 1 billion yen will be loan 1b provided by mezzanine lender 7a (corresponding to a financial institution or lender), and the remaining 400 million yen will be investment from an anonymous partnership (TK) (anonymous partnership investment 1c). LLC GK will establish a special purpose company (SPC) to raise funds to purchase the rental real estate property mentioned above and perform various operations related to the management of the rental real estate property, etc.

Trust beneficiary rights are established in the rental real estate property and it becomes the subject of investment management, and originator 2, the original owner of the real estate, enters into a real estate management and disposal trust agreement for the rental real estate property with trust bank 3, the trustee, whereby the beneficiary rights are transferred to originator 2. A beneficiary rights transfer agreement is entered into between originator 2 and GK LLC (a special purpose company), and GK LLC acquires the beneficiary rights in the rental real estate property, while originator 2 receives the acquisition price for the beneficiary rights.

In addition, the trust bank 3 will receive rent paid by the real estate lessee 4 of the rented real estate property by entering into a lease agreement with the real estate lessee 4. Although not shown in FIG. 1, the trust bank 3 may enter into a property management agreement (PM agreement) with a real estate management agent (property manager PM) and entrust the real estate management agent with tasks related to the real estate lessee, such that the real estate management agent will enter into the lease agreement with the real estate lessee 4.

LLC GK (special purpose company) enters into an asset management contract for rental real estate properties with asset manager 5, an investment management company. As a result, asset manager 5 (corresponding to an investment manager) receives asset management fees from LLC GK (special purpose company). LLC GK (special purpose company) also enters into a contract (administrative management contract) for the administrative management of rental real estate properties with administrative management company 6 (e.g., an accounting firm). As a result, administrative management company 6 (corresponding to the manager of the rental property) receives a contract fee (management fee) for the administrative management contract from LLC GK (special purpose company).

Furthermore, a portion of the anonymous partnership investment 1c, which is responsible for part of the funds to purchase the rental real estate property, is securitized to solicit investment from equity investors 9 (anonymous partnership investors), and in this embodiment, real estate is securitized using blockchain-related tokens (equivalent to security tokens, deemed type 1 securities or type 2 securities). In the example shown in FIG. 1, the business related to the solicitation of investments and the sale of tokens is carried out by a soliciting and selling company 8 (equivalent to an electronic record transfer business operator, type 1 financial instrument business operator, type 2 financial instrument business operator, and token trader).

Various methods are possible for the solicitation of contributions and sale of tokens by the soliciting and selling company 8, but one example is a two-stage process consisting of a primary market where the solicitation and sale takes place in the issuance market, and a secondary market where bilateral transactions for the transfer of status in the secondary market take place. In the primary market, the soliciting and selling company 8 enters into a solicitation service contract with GK LLC, which will be the token issuer (business operator), and registers issuer information (solicitation information, etc.), and then solicits and sells tokens (security tokens) to investors (e.g., special business investors, equity investors 9) in the issuance market for a set solicitation period. Investors who wish to purchase security tokens will apply during the solicitation period.

When the subscription period ends, the soliciting and selling company 8 purchases the security tokens in a lump sum from GK LLC. GK LLC issues the security tokens on the blockchain (the blockchain is not shown in Figure 1), and registers (records) the number of tokens issued on the blockchain in association with the investors.

As a specific example of security token purchases in the primary market as described above, for example, assume that LLC GK has raised a total investment amount (anonymous partnership investment amount 1c) of 400 million yen and issued 40,000 tokens on the blockchain (40,000 tokens in the LLC wallet). In this case, the investment unit is 10,000 yen per share. Each investor will purchase the number of shares they desire, and some examples of purchases by investors include a first investor purchasing 1 share (1 token), a second investor purchasing 50 shares (50 tokens), a third investor purchasing 15 shares (15 tokens), and a fourth investor purchasing 30 shares (30 tokens). In response to these purchases, the blockchain stores the number of owned tokens, 1 token, in association with the first investor, the number of owned tokens, in association with the second investor, the number of owned tokens, in association with the third investor, the number of owned tokens, in association with the fourth investor, and the number of owned tokens, in association with the fourth investor.

For security tokens in bilateral transactions in the secondary market described above, the recruiting and sales company 8 will build a trading system in which it will be one of the parties to the transaction, and will conduct buying and selling transactions of security tokens through this trading system. Specifically, the recruiting and sales company 8 will present the selling price (price per unit) of the security token, which is the unit price of the security token notified by the asset manager 5 plus a selling spread, and the buying price, which is the unit price plus a buying spread, on the trading system (for example, the recruiting and sales company 8 will set up an online trading site on the Internet that can be viewed with a browser, and present the selling price and buying price of the security token on that website (online trading site)).

Investors who already own security tokens and wish to sell them can sell the desired number of security tokens they own to the subscription and sales company 8 through the above-mentioned trading system. In this case, for example, when an investor purchases security tokens for 10,000 yen per unit, the above-mentioned trading system offers a selling price of 10,500 yen per unit, and if the investor is able to sell at that selling price, the investor will earn a selling profit of 500 yen per unit.

Investors who wish to acquire security tokens can purchase security tokens through the above-mentioned trading system. For example, if the purchase price (purchase price) per unit is set at 10,700 yen in the above-mentioned trading system, the investor can acquire the desired number of security tokens by paying the purchase amount of 10,700 yen per unit to the subscription sales company 8.

The sale and purchase of security tokens as described above will be registered (recorded) in the blockchain as contract data related to the movement of security tokens, for example, by daily processing (daily processing). Specifically, the data related to the transaction recorded in the blockchain after processing related to a specific transaction corresponding to the sale or purchase will be updated, and then the data will be digitally signed by processing related to an electronic signature using a private key, and the data recorded in the blockchain will be updated (and settlement and liquidation will also be completed).

The records of the buying and selling of security tokens are recorded and managed on the blockchain as digital anonymous partnership management (security token management), and the numerical value of the security tokens bought and sold is recorded for each investor (investor) and each soliciting and selling company. For example, if an investor sells 10 security tokens, the blockchain's memory state will show that the number of security tokens owned by the investor has decreased by 10, while the number of security tokens owned by the soliciting and selling company 8 has increased by 10. Also, if another investor purchases 10 security tokens, the blockchain's memory state will show that the number of security tokens owned by the investor has increased by 10, while the number of security tokens owned by the soliciting and selling company 8 has decreased by 10.

In addition to the information related to the buying and selling of security tokens described above, the blockchain also records information on GK LLC, the issuer of the security tokens, information on the anonymous partnership investment 1c that is the subject of the public offering (publication information, etc.), and price information such as the base price and transaction price (sale price, purchase price) set by asset manager 5.

As described above, the security tokens stored in the blockchain are based on the anonymous partnership investment 1c related to the rental real estate property and correspond to the investment of each investor. Therefore, the rent from the real estate lessee 4 of the rental real estate property will be the source of the distribution money, which will be distributed to each investor (investor) who owns the security tokens stored in the blockchain in accordance with the number of shares (ownership interest) of the security token they own.

One of the features of the present invention is that the distribution of dividends to each investor according to the number of shares of security tokens owned can be smoothly performed based on the control of a smart contract placed on the blockchain. Another feature of the present invention is that the payment of contract fees (management fees) to the rental property management company 6 (manager of the rental property), the payment of principal and interest on loans to the lender 7a and mezzanine lender 7a (lenders), the payment of asset management fees (investment management fees) to the asset manager 5 (investment manager), and the payment of trust dividends to the subscription and sales company 8 (token trader) are also performed based on smart contracts. Below, an embodiment of the present invention will be described in detail assuming an example of the GK-TK scheme shown in Figure 1 above.

Figure 2 shows an overall overview of the dividend payment system 10 according to an embodiment of the present invention. The dividend payment system 10 is configured by connecting a financial institution system 11 and a payment control system 50 via a wide area network NW, and the payment control system 50 is further configured by connecting a management operation system 20 and a blockchain system 30 (hereinafter referred to as BC system 30) so that they can communicate with each other via a local network compared to the wide area network NW. In the payment control system 50, the management operation system 20 is connected to the wide area network NW, and therefore the financial institution system 11 and the BC system 30 communicate via the management operation system 20.

The financial institution system 11 is a system operated by a certain financial institution (e.g., AAA Bank) and includes a financial institution server 12 and an account database device 15 (hereinafter referred to as the account DB device 15). As described below, the financial institution system 11 performs processing (transfer processing) related to payments to the financial institution accounts of each of the investors A, B, C, etc. (corresponding to investors including the equity investors 9 of the anonymous partnership investors in FIG. 1) who invest (contribute) in the anonymous partnership investment portion 1c (see FIG. 1) based on payment instructions from outside.

For users who have created accounts at financial institutions (e.g., AAA Bank) that operate financial institution system 11, the data (account data) of the created accounts is stored in account DB device 15, and in this embodiment, multiple account tables are stored that store financial institution account data related to ABC LLC corresponding to LLC GK (see Figure 1), and XYZ Recruiting and Sales Company corresponding to Recruiting and Sales Company 8 (see Figure 1), etc.

The management and operation system 20 included in the payment control system 50 is a system operated mainly by the XYZ recruiting and sales company corresponding to the recruiting and sales company 8 shown in FIG. 1. The XYZ recruiting and sales company that operates the management and operation system 20 provides a token trading service related to the recruiting and sales and bilateral transactions of the above-mentioned tokens (security tokens). A user (corresponding to an investor) who wishes to buy or sell a token will buy or sell the token via the token trading service provided by the XYZ recruiting and sales company, but before that, he or she registers with this service and opens an account for token trading. The token trading service provided by the XYZ recruiting and sales company provides users with the opportunity to buy and sell tokens via a website, application software installed on the user's terminal, or at a storefront, etc.

The management and operation system 20 includes a management and operation server 21, a batch processing server 25, and a database server 27 (hereinafter referred to as the DB server 27). Each investor A, B, C, etc. who invests (contributes) in the anonymous partnership investment portion 1c (see FIG. 1) becomes a registered user (customer) of the token trading service provided by the XYZ recruitment and sales company, and information related to each investor is stored in the management and operation system 20. In addition, information indicating the number of security tokens owned by each investor A, B, C, etc. (corresponding to owned token information) is stored in the blockchain (in this embodiment, the blockchain related to the BC system 30) as described above, but is also stored in the management and operation system 20 (DB server 27) to enable processing and response without using the blockchain. Note that for the management and operation server 21, batch processing server 25, and DB server 27 included in the management and operation system 20, the above-mentioned financial institution system 11 (financial institution server 12) is treated as an external system (external financial institution server 12).

The BC system 30 included in the payment control system 50 is a network system in which multiple nodes (corresponding to the computer device 31 in this embodiment) that manage the blockchain are connected by a peer-to-peer communication method. The type of blockchain by the BC system 30 in this embodiment is a private chain, and this BC system 30 is also operated mainly by the XYZ recruitment and sales company. Therefore, the management and operation system 20 and the BC system 30 function as a payment control system 50 by the XYZ recruitment and sales company. In addition, for the BC system 30 (and the computer device 31, which is a node that constitutes the BC system 30), the above-mentioned financial institution system 11 (financial institution server 12) is treated as an external system (external financial institution server 12). Below, each of these systems 11, 20, 30, etc. will be described in more detail.

Figure 3 shows an overview of the internal hardware configuration of the financial institution server 12 included in the financial institution system 11 shown in Figure 2. This financial institution server 12 performs processing such as instruction control for information related to a user's financial institution account (deposit account) stored in the account DB device 15 included in the financial institution system 11 of Figure 2, and also controls linkage processing with other financial institution accounts (deposit and withdrawal processing between one account and another account) in response to requests from external systems. Note that while Figure 2 only shows one financial institution server 12 in the financial institution system 11, the financial institution server 12 may be configured by combining multiple server computers or other devices by performing distributed processing, etc., and such a configuration using multiple devices also corresponds to the financial institution server 12 according to the present invention.

In this embodiment, a general server computer (server device) is used as the financial institution server 12, and various modules and devices are connected to an MPU 12a that performs overall control and various processes via an internal connection line 12h. The various modules and devices include a communication module 12b, a RAM 12c, a ROM 12d, an input interface 12e, an output interface 12f, and a memory unit 12g.

The communication module 12b is a communication device (communication means) equivalent to a connection module with a network, and conforms to the required communication standard (for example, a LAN module conforming to IEEE). The communication module 12b is connected to the network via the required communication equipment (not shown, such as a router), and in this embodiment, enables communication with the payment control system 50 (management and operation system 20 and BC system 30) shown in FIG. 2 and other external systems (including database systems, etc.) such as other financial institution systems, as well as communication with other devices within the financial institution system 11 (such as the account DB device 15).

RAM 12c temporarily stores contents, files, data, etc. associated with the processing of MPU 12a, and ROM 12d stores programs, etc. that define the basic processing contents of MPU 12a. The input interface 12e is connected to a keyboard 12i, a mouse (not shown), etc. that accepts operation instructions, etc. from a system administrator, etc. of the financial institution system 11, and transmits the operation instructions, etc. accepted from the system administrator, etc. to MPU 12a. The output interface 12f is connected to a display 12j (display output device), and outputs contents associated with the processing of MPU 12a to the display 12j, allowing the system administrator, etc. to check the current processing contents, etc.

The memory unit 12g stores programs, various data, various information, etc., and in this embodiment stores the system program P1, the financial institution processing program P2, the financial institution API 13, and the financial institution user table 14, etc. The system program P1 specifies various processes according to the operation system for the server, and the financial institution server 12 performs various functions as a server computer by the MPU 12a executing processes based on the specified contents.

The financial institution processing program P2 includes programming content that specifies that the MPU 12a executes the maintenance and management of registration information for users who have opened accounts at financial institutions that directly or indirectly manage and operate the financial institution system 11, and control processing related to deposits and withdrawals to the accounts, and such programming content allows the MPU 12a to function as various means. Specifically, when the financial institution server 12 receives information required when a user opens an account at a financial institution (such as a bank) (user's name, address, telephone number, email address, user information related to automatic transfers, etc.) via the communication module 12b, the financial institution processing program P2 specifies that the MPU 12a issues an account number corresponding to the user and executes a process of storing the issued account number and the received user information (user information) as a set in the financial institution user table 14.

The financial institution processing program P2 also processes deposits and withdrawals, and when it receives a deposit notification from outside to notify the user of a deposit, it sends the deposit information to the account DB device 15 (described below), stores the deposit amount, etc. in the destination account, and processes the deposit. The financial institution processing program P2 also prescribes processing corresponding to a service that notifies a specified notification destination registered in the financial institution user table 14 of the receipt of the deposit upon completion of such deposit processing. The contents of the notification include the name of the deposit, the amount of the deposit, and information indicating the source of the deposit (the depositor).

In this embodiment, rent from each real estate tenant 4 (see Figure 1) of the rented real estate property is initially paid to a financial institution account of the trust bank 3 (see Figure 1). When the trust bank 3 has completed payment of rent from each real estate tenant, it consolidates the total rent paid by each real estate tenant and deposits it by debit or other means into the financial institution account of ABC LLC (for example, the account of ABC LLC at AAA Bank).

As described below, the financial institution user table 14 preregisters the notification destination when a deposit is made, and the address of the payment control system 50 (BC system 30 via the management and operation system 20) is registered as the notification destination when rent is deposited from the trust bank 3 into the financial institution account of ABC LLC. Therefore, when rent is deposited (transferred or debited) from the trust bank 3 to ABC LLC, in accordance with the provisions of the financial institution processing program P2, the MPU 12a executes the process of sending a deposit notification (rent deposit notification) to the BC system 30 informing that the rent has been deposited.

Furthermore, the financial institution processing program P2 prescribes that when the communication module 12b receives an instruction (payment instruction) for payment by transfer or withdrawal from the outside, the MPU 12a executes the payment processing by sending withdrawal information to the account DB device 15 and paying the instructed amount from the payer's account (the user's account whose user information is stored in the financial institution user table 14) to the instructed financial institution account by transfer or the like. If the instructed payee is a different financial institution (e.g., BBB Bank) from the financial institution (e.g., AAA Bank) that operates the financial institution system 11, the payment processing will be performed to the external system related to the different financial institution. On the other hand, if the instructed payee is the same financial institution (e.g., AAA Bank) as the financial institution (e.g., AAA Bank) that operates the financial institution system 11, the payment processing will be performed to the internal system related to the financial institution system 11.

When the payment-related processing as described above is performed and the payment is completed, the financial institution processing program P2 also specifies that in addition to sending a notification of payment completion to the payer under the control of the MPU 12a, the MPU 12a also performs processing to send a payment completion notification to the notification destination pre-stored in the financial institution user table 14.

The payment of dividends according to the present invention is made using the processing stipulated by the financial institution processing program P2. For example, when rent is deposited, the MPU 12a performs processing to send a rent deposit notice (corresponding to a smart contract activation notice according to the present invention) to the BC system 30 in the payment control system 50 based on the information stored in the financial institution user table 14. In addition, as a result of sending this rent deposit notice, the financial institution server 12 receives various payment instructions, as described below, and based on these various payment instructions, the MPU 12a performs processing related to payments to the trust bank 3, the asset manager 5, the administrative management company 6, the lender 7a, the mezzanine lender 7a, and the solicitation and sales company 8 (XYZ solicitation and sales company).

The trust dividend paid to the soliciting and selling company 8 (XYZ soliciting and selling company) becomes the source of the dividends to each investor, so when the trust dividend (source of dividends) is deposited in the financial institution account of the XYZ soliciting and selling company, the financial institution server 12 performs processing to send a trust dividend deposit notice (source of funds deposit notice, equivalent to the smart contract activation notice according to the present invention) to the BC system 30 in the payment control system 50. Then, as a result of sending this trust dividend deposit notice, as described below, the financial institution server 12 receives a payment instruction related to the dividends, and based on this payment instruction, the MPU 12a performs processing related to the payment of the amount instructed in the payment instruction to the financial institution account of each investor.

Furthermore, the financial institution API 13 stored in the memory unit 12g is an API (Application Programming Interface) that performs processing between an application located outside the financial institution server 12 and the above-mentioned financial processing program P2. In this embodiment, when performing processing related to a payment (transfer or withdrawal) by the above-mentioned financial institution processing program P2, when a payment instruction is received from the outside by the operation of an external application in the communication module 12b, the payment instruction calls the financial institution API 13, and the contents contained in the payment instruction are transmitted to the financial institution processing program P2 via the financial institution API 13, and the financial institution processing program P2 thereby performs the above-mentioned processing related to the payment.

Figure 4 shows an outline of the main contents of the financial institution user table 14 stored in the memory unit 12g. This financial institution user table 14 stores information (user information) related to users who have opened accounts at the financial institution (e.g. AAA Bank) that operates the financial institution system 11, and the user information is stored in association with the account number. As described above, the account number is issued for each user by the MPU 12a based on the provisions of the financial institution processing program P2. Note that if the financial institution that operates the financial institution system 11 has branches in addition to a head office, the head office, head office number, or the name and branch number of the branch where the user applied for the account are also stored in the financial institution user table 14 in association with the user's account number.

The user information stored in the financial institution user table 14 in association with the account number is information provided by the user to the financial institution when the account was opened, and includes information identifying the user, such as the user's name (or corporate name in the case of a corporation), address, telephone number, and email address, as well as information regarding the notification destination to be notified of the completion of processing related to deposits or withdrawals by transfer or deduction (notification destination information), which is also stored in association with the user's account number (notification destination information is stored in the notification destination column 14a). The notification destination information includes information such as the subject of the deposit or withdrawal, the name of the deposit source or withdrawal destination, the name of the notification destination, and the network address of the notification destination. In order to allow multiple deposits or withdrawals to be notified to one account, multiple notification destination information can be stored in the notification destination column 14a in association with one account number.

In the example of financial institution user table 14 shown in Figure 4, the notification information stored in notification column 14a corresponding to ABC LLC includes information indicating the nominal amount of rent, the name of the deposit source of trust bank 3 (see Figure 1), and the address of the notification destination related to BC system 30 in payment control system 50. Also, the notification information stored in notification column 14a corresponding to XYZ Recruitment and Sales Company includes information indicating the nominal amount of trust dividend, the name of the deposit source of ABC LLC, and the address of the notification destination related to BC system 30 in payment control system 50.

Figure 5 (a) shows an overview of the account DB device 15 included in the financial institution system 11 shown in Figure 2. The account DB device 15 of this embodiment is a general-purpose database device that associates information about deposits and withdrawals, etc. of accounts (accounts for deposits, payments, etc.) of each user who has opened an account (deposit account, etc.) at a financial institution with date and time and stores the information as a table for each user's account. The general internal configuration includes a control unit 15a, a communication unit 15b, and a DB unit 15c. The control unit 15a performs various overall control processes related to the account DB device 15, and the communication unit 15b communicates with the financial institution server 12, etc. to send and receive information about deposits and withdrawals, etc., related to financial institution accounts.

The DB section 15c stores a database (DB), and in this embodiment, stores the financial institution account DB16. This financial institution account DB16 includes a table that stores deposit and withdrawal information for each user who has opened a financial institution account (account for deposits, etc.). In FIG. 5(a), the financial institution account DB16 includes a financial institution account DB16 that includes multiple account tables such as a corporate account table such as an account table 17 for ABC LLC and an account table 18 for XYZ Recruiting and Sales Company, and an account table 19 for user A, which is an individual user, stored in the DB section 15c. Each of these corporate or individual account tables corresponds to the financial institution account (e.g., a deposit account) of the corporate or individual user, and is created in the financial institution account DB16 under the control of the control section 15 when each user applies to open an account at a financial institution.

Figure 5(b) shows an overview of part of the contents of ABC LLC's account table 17 as an example of an account table included in financial institution account DB 16. This account table 17 includes the account name, account number, and current account deposit amount in the summary column 17a at the top, and stores information on deposits and withdrawals (deposit and withdrawal amounts) to ABC LLC's financial institution account (deposit account) in association with date and time in the deposit and withdrawal column 17b below the summary column 17a. The storage of information in this account table 17 is performed by the control process of the control unit 15a based on information received from the financial institution server 12 by the communication unit 15b.

For example, when the communication unit 15b receives deposit information indicating the account number, deposit amount (amount), deposit source, deposit related items, etc. of ABC LLC from the financial institution server 12, the control unit 15a performs a control process to identify the account table 17 of ABC LLC from the financial institution account DB 16 stored in the DB unit 15c using the account number of ABC LLC contained in the received deposit information as a clue, and to store each piece of information contained in the deposit information (deposit, deposit source, items, etc.) in the identified account table 17 of ABC LLC together with the date and time of receipt of the deposit information. Through such control process related to deposit, the amount related to the deposit is automatically added to the deposit/withdrawal column 17b of the account table 17 of ABC LLC in correspondence with the date and time, and the current account deposit amount contained in the summary column 17a is also updated.

In addition, when the communication unit 15b receives from the financial institution server 12 withdrawal information (payment instructions) indicating the account number of ABC LLC, the withdrawal amount (money), items related to the withdrawal, and withdrawal destination information (name of the destination financial institution, financial institution identification number, destination account name, account number, etc.), the control unit 15a uses the account number of ABC LLC contained in the received withdrawal information as a clue to identify the account table 17 of ABC LLC from the financial institution account DB 16 stored in the DB unit 15c, and compares and verifies whether the current account deposit amount in the identified account table 17 of ABC LLC is equal to or greater than the amount contained in the received withdrawal information.

If the current account deposit amount is equal to or greater than the amount included in the received withdrawal information, a control process is performed in which the amount included in the withdrawal information is stored in the deposit/withdrawal column 17b of ABC LLC's account table 17 as the amount to be withdrawn, in correspondence with the date and time, and a control process is performed in which payment information indicating the withdrawal amount and withdrawal destination is generated by referencing the withdrawal amount and withdrawal destination information included in the withdrawal information, and this payment information is sent from the communication unit 15b to the sender indicated by the withdrawal destination information. Note that when such a withdrawal process is performed, the current account deposit amount in ABC LLC's account table 17 (the balance amount included in the summary column 17a) is automatically updated by deducting the amount of the withdrawal.

On the other hand, if the above comparison shows that the current account deposit amount in ABC LLC's account table 17 is less than the withdrawal amount included in the received withdrawal information, the amount included in the withdrawal information cannot be withdrawn, so the control unit 15a performs control processing to generate non-payment information indicating that the deposit amount in ABC LLC's deposit account is insufficient to make the withdrawal, and to transmit this information from the communication unit 15b to the sender of the withdrawal destination information.

The above example was explained using the account table 17 of ABC LLC, but the same applies to other account tables stored in financial institution account DB 16. Furthermore, if the target financial institution has multiple branches, etc., a database such as the financial institution account DB 16 described above will be provided for each branch, etc., and in this case, information identifying the branch, etc. will be added to the database for each branch to identify each user's account table stored in each database, and the deposit/withdrawal information, payment information, etc. sent and received from the communication unit 15b described above will also include information identifying the branch, etc.

Figure 6 shows an overview of the internal hardware configuration of the management operation server 21 included in the management operation system 20 in the payment control system 50 shown in Figure 2. The management operation system 20 performs overall management of the payment control system 50 and also plays a central role in the communication processing of the payment control system 50, and transmission and reception in the payment control system 50 is performed via the management operation system 20 (management operation server 21). Therefore, even if a transmission is made from outside the payment control system 50 to the BC system 30, such a transmission will be sent to the BC system 30 via the management operation system 20 (management operation server 21), and even if a transmission is made from the BC system 30 to an outside of the payment control system 50, such a transmission will be sent to an outside of the payment control system 50 via the management operation system 20 (management operation server 21).

As described above, the management operation system 20 (management operation server 21) is operated primarily by the XYZ recruitment and sales company, and stores information about each investor who is a customer of the XYZ recruitment and sales company (investors who contribute to the anonymous partnership investment portion 1c in Figure 1). By referring to the information about each investor, the management operation system 20 (management operation server 21) acts as an intermediary between the financial institution system 11 (financial institution server 12) shown in Figure 2 and the BC system 30 (computer device 31), assisting in the exchange between the two and performing various processes to ensure smooth payment of dividends to investors, etc.

In this embodiment, the management and operation server 21 is a general server computer (server device) similar to the financial institution server 12 described above. As shown in FIG. 6, various modules and devices are connected to an MPU 21a that performs overall control and various processes via internal connection lines 21h. The various modules and devices include a communication module 21b, a RAM 21c, a ROM 21d, an input interface 21e, an output interface 21f, and a memory unit 21g. As in the case of the financial institution server 12 described above, the management and operation server 21 may be configured by combining multiple server computers and other devices by performing distributed processing. The communication module 21b, RAM 21c, ROM 21d, input interface 21e, and output interface 21f are similar to those in the financial institution server 12, so their explanations are omitted.

The memory unit 21g stores programs, various data, various information, etc., and in this embodiment stores the system program P10, the transaction program P11, the user DB 22, and the payment table 23, etc. The system program P10 is equivalent to the system program P1 of the financial institution server 12, and the management and operation server 21 performs various functions as a server computer by the MPU 21a executing processing based on the specified contents of this system program P10. Before explaining the transaction program P11, the user DB 22 and the payment table 23 will be explained.

Figure 7 shows an overview of part of the contents of user DB 22 stored in memory unit 21g. User DB 22 stores information on users (investors) who have registered with XYZ solicitation and sales company's token trading service and opened an account for token trading. Upon completion of account registration, a user ID that identifies the user is assigned to each user by XYZ solicitation and sales company (operation management server 21), and user DB 22 stores various information about the user in association with the assigned user ID.

Specifically, the user DB22 stores, for each user ID, the user's name, address, telephone number, email address, UID (identification information of the user's terminal), occupation, PW (password), information on the financial institution (bank, etc.) used by the user (information necessary for payment of dividends, such as the bank name, branch name, and financial institution account number), and the account number of the user's token trading account opened at XYZ Recruitment and Sales Company (the number stored in the token trading account column 13a). In this embodiment, the registered email address is used as the login ID when logging in, and the PW uses alphanumeric information set by the user himself when registering the user.

In addition, the optional payment column 13b of the user DB 22 stores information related to payment services that can be used to purchase tokens. In this embodiment, the basic method is to purchase tokens using funds transferred from a financial institution account (e.g., a deposit account) to the token trading account of the XYZ recruitment and sales company, but it also supports purchase methods using other optional payment services. For example, the XYZ recruitment and sales company's trading service also supports purchasing tokens using various cards such as directly using funds deposited in a financial institution account (deposit account) without transferring funds from the financial institution account to the token trading account (purchase using a real-time account transfer service), credit cards (cards related to purchases according to a credit sales system), debit cards (cards related to purchases according to an immediate payment from a deposit account), and prepaid cards (cards related to purchases according to a prepaid payment system).

In the option payment field 13b of a user who has set a purchase method for such an optional payment service, information on the purchase method for the set optional payment service is stored. Note that the option payment field 13b of a user who has not set a purchase method for an optional payment service is left blank. Furthermore, the transaction account balance field 13c of the user DB 22 stores the balance (balance in yen) of each user's token trading account. Note that the balance in the transaction account balance field 13c is updated as tokens are purchased or sold.

Figure 8 shows an overview of the contents of the payment table 23 stored in the memory unit 21g. The payment table 23 stores information about other payments associated with the dividend payment of the present invention (information about payments made by ABC LLC), and in this embodiment records information about each payment, such as the trust fee to the trust bank 3 shown in Figure 1, the investment management fee to the asset manager 5, the management fee (contract fee) to the administrative management company 6, as well as the principal and interest on loans to the lender 7a and mezzanine lender 7a, and the trust dividend to the XYZ solicitation and sales company.

As an example, for trust bank 3, the payment subject and financial institution information of the payee (transfer destination) (e.g., bank name, bank identification number, branch name, branch identification number, etc., financial institution account number, etc.) are stored, and a predetermined amount is stored as the payment amount (amount corresponding to the investment trust management fee). The contents stored in this payment table 23 are the same for trust bank 3, administrative management company 6, lender 7a, and mezzanine lender 7a.

For XYZ Recruitment Sales Company, the payment item, financial institution information for XYZ Recruitment Sales Company (e.g., bank name, bank identification number, branch name, branch identification number, etc.), and financial institution account number are also stored, but the amount of the trust dividend payment to XYZ Recruitment Sales Company is specified by the processing of the management and operation server 21 as described below, so the column for the amount of payment to XYZ Recruitment Sales Company is left blank. The contents stored in the memory contents of such payment table 23 are communicated from ABC LLC to XYZ Recruitment Sales Company when establishing the GK-TK scheme shown in FIG. 1, and such communicated contents are stored in advance in payment table 23. Note that if the contents to be stored (e.g., payment amount) change, the memory contents of payment table 23 are updated as necessary.

Next, the transaction program P11 stored in the memory unit 21g will be described. The transaction program P11 specifies the content of the processing related to the token transaction service described above that is performed by the MPU 21a, and specifies that the MPU 21a performs various processes as various means to assist in the exchange between the financial institution system 11 (financial institution server 12) and the BC system 30 (computer device 31) in the payment processing of dividends, etc., according to the present invention.

Regarding the token trading service, when a user (investor) who has registered for this service via a website or the like uses the service, the trading program P11 specifies various processes of the MPU 21a to display a screen related to buying and selling tokens on the communication terminal when the user logs in via the communication terminal he or she uses, and to enable the user to carry out the transaction he or she desires. Furthermore, since the price of tokens does not change frequently like stocks, and the base price is presented by the asset manager 5 (for example, once a day), the management of token trading through the token trading service is carried out on a daily basis, and data (contract data) showing the results of the trading (such as the history of token buying and selling) is sent to the BC system 30 under the control of the MPU 21a (the trading data after being electronically signed is sent again to the BC system 30 as settlement data).

In addition, with regard to the specific processing of the payment of dividends etc. according to the present invention, when the management and operation server 21 receives a rent deposit notification (information notifying the amount, source of deposit, name etc.) addressed to the BC system 30 from the financial institution server 12 indicating that the rent from the real estate lessee 4 of the rented real estate property has been deposited by debit or other means into the financial institution account of ABC LLC, the MPU 21a performs control processing to temporarily store the received rent deposit notification in RAM 21c and transmit (transfer) the rent deposit notification to the BC system 30.

When the management and operation server 21 receives payment information sent from the BC system 30 via the communication module 21b in conjunction with the sending of this rental amount deposit notification, as described below, the MPU 21a reads and identifies the deposit amount indicated in the deposit notification stored in the RAM 21c, and calculates the trust dividend by subtracting the total amount of payments to the trust bank 3, asset manager 5, administrative management company 6, lender 7a, and mezzanine lender 7a stored in the payment table 23 from the identified amount (deposit amount equivalent to the rent).

Then, the MPU 21a generates various payment instructions instructing payments to the asset manager 5, the administrative management company 6, the lender 7a, the mezzanine lender 7a, and the XYZ solicitation and sales company, and transmits them to the financial institution system 11 (financial institution server 12). These various payment instructions include financial institution information (bank name, bank identification number, branch name, branch identification number, etc.), financial institution account number, and payment amount stored in the payment table 23 for each of the trust bank 3, the asset manager 5, the administrative management company 6, the lender 7a, the mezzanine lender 7a, and the XYZ solicitation and sales company, which are read from the payment table 23 (however, for the payment amount to the XYZ solicitation and sales company, the amount obtained by the calculation process described above is included in the various payment instructions).

In addition, when the management and operation server 21 receives a trust dividend deposit notice (information notifying the deposit amount, source of deposit, name, etc.) from the financial institution server 12 via the communication module 21b indicating that the trust dividend has been deposited into the financial institution account of the XYZ solicitation and sales company by debit or other means in conjunction with the transmission of the various payment instructions described above, the MPU 21a performs control processing to temporarily store the received trust dividend deposit notice (corresponding to the capital deposit notice) in RAM 21c and transmit (transfer) the trust dividend deposit notice to the BC system 30.

Then, accompanying the transmission of this trust dividend deposit notice, the management and operation server 21 receives, via the communication module 21b, ratio information indicating the payment ratio of the dividend to the investor, transmitted from the BC system 30 as described below. Since this ratio information includes information indicating the ratio according to the number of tokens owned by each investor (user ID), as described below, the MPU 21a performs a process of calculating (determining) the amount of dividend for each investor by referring to the information indicating the ratio according to the number of tokens. For example, if the amount of the deposit amount (trust dividend) notified in the trust dividend deposit notice that can be used as the original capital is 10 million yen (amount related to the original capital) and investor A's payment ratio is 1%, the amount of dividend to investor A will be calculated as 100,000 yen.

Then, the MPU 21a generates a payment instruction to instruct payment of the calculated amount for each contributor, and transmits the instruction to the financial institution system 11 (financial institution server 12). This payment instruction includes a set of the calculated payment amount to each contributor and the financial institution account number of each contributor identified by reference to the user DB 22 (financial institution information required for payment). By transmitting such a payment instruction, the financial institution server 12 will pay each contributor an amount to be distributed at a contribution ratio according to the number of tokens they own.

Figure 9 shows an overview of the internal hardware configuration of the batch processing server 25 included in the management and operation system 20 shown in Figure 2. This batch processing server 25 is also operated by the XYZ solicitation and sales company, and plays a role in collating and backing up data related to the history and other results of token transactions carried out through the token trading service provided by the XYZ solicitation and sales company through batch processing, and uses the DB server 27 as a backup destination for the transaction history data.

The batch processing server 25 in this embodiment is also a general server computer (server device) like the financial institution server 12 and management and operation server 21 described above, and various modules and devices are connected to the MPU 25a, which performs overall control and various processes, via internal connection lines 25h. The various modules and devices include a communication module 25b, RAM 25c, ROM 25d, an input interface 25e, an output interface 25f, and a memory unit 25g. Note that, like the financial institution server 12 described above, the batch processing server 25 may be configured by combining multiple server computers or other devices by performing distributed processing or the like. The communication module 25b, RAM 25c, ROM 25d, input interface 25e, and output interface 25f have the same mechanisms as the financial institution server 12, and therefore will not be described here.

The memory unit 25g stores programs, various data, various information, etc., and in this embodiment stores the system program P20, the batch processing program P21, etc. The system program P20 is equivalent to the system program P1 of the financial institution server 12, and the batch processing server 25 performs various functions as a server computer by the MPU 25a executing processing based on the contents of this system program P20.

The batch processing program P21 appropriately collates token transaction data (including data representing the quantity of tokens owned by each contributor) stored in the BC system 30, and specifies that the MPU 25a performs control processing to read this transaction data from the BC system 30 on a predetermined date basis (e.g., daily basis) and store it in the DB server 27.

Figure 10 shows an overview of the main parts of the internal configuration of the DB server 27 included in the management and operation system 20. The DB server 27 also uses a general-purpose database device, similar to the account DB device 15 shown in Figure 5 (a). Therefore, the internal configuration of the DB server 27 is equivalent to that of the account DB device 15 in Figure 5 (a), and includes a control unit 27a, a communication unit 27b, and a DB unit 27c. The control unit 27a performs various overall control processes related to the DB server 27, and the communication unit 27b communicates with the batch processing server 25, etc., to obtain data related to the numerical values of tokens owned by each investor, and transmits requested data to the source of the reference request in accordance with an external reference request.

The DB unit 27c stores a database (DB), and in this embodiment, stores the owned token DB 28. This owned token DB 28 stores the number of tokens owned by each user (investor) registered in the token trading system of the XYZ soliciting and selling company, and the number of tokens owned by the user is associated with the user (information identifying the user (investor), such as the user name and user ID). The contents stored in the owned token DB 28 are basically the same as the contents stored in the BC system 30 (data representing the number of tokens owned by each investor).

That is, as described above, the batch processing server 25 reads out the token transaction data from the BC system 30 and stores it in the DB server 27. When the DB server 27 receives the transaction data sent from the batch processing server 25 via the communication unit 27b, the received transaction data is written to the owned token DB 28 of the DB 27c under the control of the control unit 27b. As a result, the contents of the owned token DB 28 are updated from time to time and become equivalent to the contents stored in the BC system 30, and the owned token DB 28 also serves as a backup storage means for the number of tokens owned by each contributor stored in the BC system 30. The DB server 27 can also respond to inquiries to confirm the number of tokens owned by each contributor, and since the DB server 27 generally responds faster to access requests than the BC system 30, it may be preferable to make such inquiries to the DB server 27.

Next, the BC system 30 will be described. The BC system 30 is composed of at least one or more nodes, i.e., computer devices 31, and the blockchain related to the BC system 30 of this embodiment is a private chain and is operated by the XYZ recruitment and sales company. As described above, the blockchain related to the BC system 30 stores information indicating the number of tokens owned by each investor (owned token information indicating the number of tokens owned by each investor), and the payment of dividends and the like according to the present invention is controlled by a smart contract placed on the blockchain related to the BC system 30.

Figure 11 shows an overview of the main parts of the internal configuration of a computer device 31 corresponding to one of the nodes related to the BC system 30. A server computer is applied to the computer device 31 of this embodiment, and therefore the internal configuration of the computer device 31 is equivalent to the financial institution server 12, management and operation server 21, and batch processing server 25 described above. Various modules and devices are connected to a CPU 31a that performs overall control and various processes via internal connection lines 31h, and the various modules and devices include a communication module 31b, a RAM 31c, a ROM 31d, an input interface 31e, an output interface 31f, and a memory unit 31g.

Note that various types of computers can basically be used as nodes in the BC system 30, and the main parts of the internal configuration of such various computers are common to those shown in Figure 11, so Figure 11 shows various computer equipment that can be used in the nodes (for example, the contents shown in Figure 11 are basically common to general personal computers that are different from server computers). The communication module 31b, RAM 31c, ROM 31d, input interface 31e, and output interface 31f have the same mechanisms as those of the financial institution server 12 described above, so their explanations are omitted.

The memory unit 31g stores programs, various data, various information, etc., and in this embodiment stores the system program P30, the blockchain node program P31 (hereinafter referred to as the BC node program P31), the API 32, the blockchain database 33 (hereinafter referred to as the BC database 33), etc. The system program P30 is equivalent to the system program P1 of the financial institution server 12, and the CPU 31a executes processing based on the specified contents of this system program P30, causing the computer device 31 to perform various functions that a normal computer has.

The BC node program P31 specifies the processing of the CPU 31a for the computer device 31 to function as a node in the BC system 30, and specifies that the CPU 31a performs routing processing, processing of the BC database 33, processing of tokens (security tokens), etc., in cooperation with the system program P30, based on communication between nodes using a peer-to-peer communication method.

Routing processing includes finding other nodes included in the BC system 30 and establishing a connection to enable communication. BC database 33 processing includes copying each block that constitutes the BC database 33 from other nodes to the node when joining the BC system 30, recording transaction-related content in a block of the BC database 33, and reading content recorded in a block of the BC database 33. Token processing includes issuing the token itself and generating and recording transaction data that indicates transactions involving issued tokens.

The API 32 is an API (Application Programming Interface) related to blockchain that performs processing to mediate between an application deployed outside the BC system 30 and a program (including a smart contract, described later) installed on a node (e.g., computer device 31) that constitutes the BC system 30. In this embodiment, the API 32 mediates with the outside of the BC system 30 so that a smart contract 41, described later, is activated using a notification issued from the financial institution server 12, which is outside the BC system 30, as an argument.

Figure 12 is an image diagram showing the recording status of the BC database 33 stored in the memory unit 31g. The BC database 33 (corresponding to a blockchain) is a distributed ledger (distributed database) in which a series of multiple blocks B1, B2, B3, ... (see Figure 11) are linked. In this embodiment, token transaction data 40 corresponding to the token transaction content, and a smart contract 41, etc. are recorded in the BC database 33. Note that the blockchain corresponding to the series of multiple blocks B1, B2, B3, ... recorded in the BC database 33 corresponds to a private chain by authorized nodes (computer device 31) as described above. In addition, the smart contract 41 is placed on the blockchain by being stored in the BC database 33 related to the blockchain in this way.

The token transaction data 40 is data (corresponding to owned token information) that associates the number of tokens (security tokens) with the owner of the token (information identifying the owner (investor), such as user name and user ID). Such data content is updated as needed in response to token transactions, and as described above, the data content will be the same as the owned token DB 28 stored in the DB server 27 of the management and operation system 20 after batch processing (daily processing) is completed (before batch processing is completed, the data content recorded by the two may differ due to the occurrence of token transactions).

Figure 12 shows that the BC database 33 records token transaction data 40 in which investor A owns 10 tokens, investor B owns 20 tokens, and investor C owns 30 tokens. The BC database 33 records transactions corresponding to token buying and selling transactions, and records such transactions so that the token balance of each investor can be determined by tallying them up, but it is also possible to configure the database so that new token balances can be added at any time. The token transaction data 40 also stores the total number of tokens issued (total number of tokens).

The smart contract 41 included in the BC database 33 is a script-like program (corresponding to the computer program according to the present invention) that constitutes a series of command description processes, and is activated (started) when the BC system 30 (computer device 31, which is a node) receives a notification (corresponding to a smart contract activation notification) from the outside, and specifies the processing content to be performed when the smart contract is activated based on the notification content. Specifically, as described above, when the rent of the real estate tenant 4 is deposited into the financial institution account of ABC LLC, a rent deposit notification (corresponding to a smart contract activation notification) is sent from the financial institution system 11 (financial institution server 12) to the BC system 30 via the management system 20 (management and operation server 21), so that the smart contract 41 is designed to be activated (started) when this rent deposit notification is received by the BC system 30 (computer device 31) via the API 32.

The activated smart contract 41 causes the CPU 31a of the computer device 31 to function as various means. Specifically, in response to receiving a rental payment notification via the API 32, the CPU 31a performs the process of generating payment information instructing various payments and sending it to the management and operation server 21 under the control of the activated smart contract 41. The contents of the payments instructed by this payment information include a trust fee to the trust bank 3, an asset management fee (investment management fee) to the asset manager 5, a management fee to the administrative management company 6, principal and interest on loans to the lender 7a and mezzanine lender 7a, and various payments in response to trust dividends to the XYZ solicitation and sales company.

In addition, in conjunction with the transmission of the above-mentioned payment information, a trust dividend deposit notice (corresponding to a smart contract activation notice) is sent from the financial institution system 11 (financial institution server 12) to the BC system 30 (computer device 31, which is a node) via the management system 20 (management and operation server 21), so the smart contract 41 is designed to be activated (started) even when this trust dividend deposit notice is received by the BC system 30 (computer device 31) via the API 32. Then, according to the provisions of the activated smart contract 41, the CPU 31a of the computer device 31 reads the number of tokens owned by each contributor (corresponding to the value related to the distribution to each contributor) from the owned token information related to the token transaction data 40 recorded in the BC database 33, and performs a process of determining the ratio related to the distribution to each contributor based on the read quantity. For example, if the number of tokens owned by all the read contributors is 1,000 and a certain contributor (contributor A) owns 10 tokens, the CPU 31a will determine that contributor A's distribution ratio (proportion related to distribution) is 1%.

Furthermore, the CPU 31a will generate ratio information (including information showing the ratio for each identified contributor) that instructs payment to each contributor at the identified distribution ratio, and will return (send) this to the management and operation server 21 based on the activated smart contract 41.

In this way, by sending payment information based on the provisions of the activated smart contract 41, it becomes possible to start all at once the processes related to the payment of the trust fee to the trust bank 3, the payment of the asset management fee (investment management fee) to the asset manager 5, the payment of the contract fee to the administrative management company 6, the payment of principal and interest on the loan to the lender 7a and the mezzanine lender 7a, and the payment of the trust dividend to the XYZ subscription and sales company, and payments to multiple payees can be made smoothly under the control of the smart contract 41.

After sending the payment information, the ratio information is sent based on the activated smart contract 41, and once the payment of the trust dividend to the XYZ soliciting and selling company, which is the source of the dividend to each contributor, has been completed, the process of paying the dividend to the contributor can be started. The dividend can be paid to each contributor at the latest ratio based on the latest stored contents of the owned token information in the BC database 33. Even if there is a difference between the contents of the owned token DB 28 stored in the DB server 27 and the number of owned tokens of each contributor recorded in the BC database 33 due to the timing of the batch processing, the dividend can be paid to each contributor according to the latest number of owned tokens.

Figures 13 and 14 are first and second flowcharts showing the processing steps of the dividend payment method related to the dividend payment system 10, which is composed of the above-mentioned financial institution system 11 (financial institution server 12), the management operation system 20 (management operation server 21) included in the payment control system 50, and the BC system 30 (computer device 31 including smart contract 41). Below, the series of processing contents (the contents of the dividend payment method related to the present invention) will be explained based on these first and second flowcharts.

In the first step (S1), the financial institution system 11 (financial institution server 12) determines whether the rent from the real estate lessee 4 has been deposited from the trust bank 3 into the financial institution account of ABC LLC (S1). Each real estate lessee under contract is under contract to pay the rent to the trust bank 3 by the monthly deadline, and the total amount of rent paid by each real estate lessee is deposited from the trust bank 3 into the financial institution account of ABC LLC by debit or other means.

If the rent has not yet been deposited (S1: NO), the system will enter a waiting state for deposit, whereas if the rent has been deposited (S1: YES), the financial institution server 12 will generate a rent deposit notification (corresponding to a smart contract activation notification) based on the notification destination information associated with ABC LLC registered in the financial institution user table 14 (see FIG. 4) and transmit it to the BC system 30 (S2). This rent deposit notification will include information indicating the real estate rent as the deposit title, the total rent for each real estate tenant as the deposit amount, and the trust bank 3 as the deposit source. Furthermore, the destination of this rental payment notification is the BC system 30, but in the payment control system 50, which includes the BC system 30, external communication is handled by the management operation system 20 (management operation server 21), so the rental payment notification sent from the financial institution system 11 (financial institution server 12) is first received by the management operation system 20 (management operation server 21) and then transmitted (transferred) to the BC system 30.

In the first step (S10), the management operation system 20 (management operation server 21) determines whether or not a rent deposit notification has been received from the financial institution server 12. If a rent deposit notification has not been received (S10: NO), the management operation server 21 enters a waiting state for reception. On the other hand, if a rent deposit notification has been received (S10: YES), the management operation server 21 temporarily stores the received rent deposit notification in RAM 21c and, if necessary, calls the API 32 of the BC system 30 to transmit (transfer) the received rent deposit notification to the BC system 30 (S11).

In the BC system 30, the computer device 31, which is a node constituting the BC system 30, determines in the first stage (S20) whether a rent payment notification has been received via the management and operation server 21, and if no payment notification has been received (S20: NO), the computer device 31 enters a state of waiting for notification. On the other hand, if a rent payment notification has been received (S20: YES), the received rent payment notification triggers the smart contract activation, and the smart contract 41 is activated (started) in the BC system 30 (computer device 31) (S21). By receiving such a rent payment notification, the BC system 30 (smart contract 41) can understand that the source of funds (funds) for various payments has been secured, and can confirm that there are no financial problems even if the processing of various payments begins.

In the BC system 30, according to the provisions of the activated smart contract 41, the CPU 31a of the computer device 31 generates payment information corresponding to each of the payment instructions, namely, an instruction to the trust bank 3 to pay the trust fee, an instruction to the asset manager 5 to pay the asset management fee (investment management fee), an instruction to the administrative management company 6 to pay the contract fee, an instruction to the lender 7a and the mezzanine lender 7a to pay the principal and interest on the loan, and an instruction to the XYZ solicitation and sales company to pay the trust dividend (S22), and performs processing to send the generated payment information to the management operation system 20 (management operation server 21) (S23).

Regarding the generation and transmission of payment information, multiple pieces of payment information may be generated for each payment object and transmitted separately, or a single lump-sum payment information including each payment object may be generated and transmitted. In addition, the transmission of the payment information temporarily terminates the invocation of smart contract 41.

After sending (transferring) the rental payment notice in step S11, the management operation system 20 (management operation server 21) waits for payment information to be sent from the BC system 30 (S12), and if it does not receive it (S12: NO), it continues to wait to receive the payment information. On the other hand, if payment information is received (S12: YES), the management operation server 21 makes the payment instructed by the received payment information by referring to the payment amounts of the trust bank 3, asset manager 5, administrative management company 6, lender 7a, and mezzanine lender 7a stored in the payment table 23, and subtracts the total of these referenced payment amounts from the amount of payment indicated in the rental payment notice stored in RAM 21c (total amount of rent from each real estate tenant), thereby calculating the payment amount according to the trust dividend to the XYZ solicitation and sales company (S13).

Then, the management and operation system 20 (management and operation server 21) generates various payment instructions including information instructing payment of each payment amount to the designated financial institution accounts of the trust bank 3, the asset manager 5, the administrative management company 6, the lender 7a, the mezzanine lender 7a, and the XYZ solicitation and sales company, and performs a process of transmitting the generated various payment instructions to the financial institution system 11 (financial institution server 12) (S14). Note that the payment amounts to the transfer destinations (trust bank 3, asset manager 5, administrative management company 6, lender 7a, mezzanine lender 7a) excluding the XYZ solicitation and sales company in these various payment instructions correspond to the amounts stored in the payment table 23, and the payment amount to the XYZ solicitation and sales company is the amount calculated at the stage of S13. In addition, as with the payment information described above, the generation and transmission of various payment instructions may be either by generating multiple payment instructions for each target and transmitting them respectively, or by generating and transmitting a single lump-sum payment instruction including each target.

After sending the rental payment notification at stage S2, the financial institution system 11 (financial institution server 12) is ready to determine whether or not various payment instructions have been received (S3), and if they have not been received (S3: NO), it waits to receive them. If various payment instructions sent from the management and operation server 21 are received at stage S14 described above (S3: YES), the financial institution system 11 (financial institution server 12) performs processing to pay the instructed amount from ABC LLC's financial institution account to each financial institution account (which may be its own account) specified by the information contained in the various payment instructions (S4).

The payment processing at this S4 stage involves the monthly payment of the trust fee to the trust bank 3, the payment of the asset management fee (investment management fee) to the asset manager 5, the payment of the contract fee to the administrative management company 6, the payment of principal and interest on the loan to the lender 7a and the mezzanine lender 7a, and the payment of the trust dividend (corresponding to the source of the distribution) to the XYZ solicitation and sales company. Note that the payment processing at S4 can be performed by either transfer or debit; for example, it is envisaged that the payment of the trust dividend to the XYZ solicitation and sales company will be performed by debit, and the rest will be paid by transfer.

Next, as shown in the second flowchart of FIG. 14, in the financial institution system 11 (financial institution server 12), the trust dividend is deposited into the financial institution account related to the XYZ soliciting and selling company through the payment process at stage S4, and a process is performed to send a notice of this deposit (trust dividend deposit notice, equivalent to a capital deposit notice) to the BC system 30 (S5). The trust dividend deposit notice (capital deposit notice) sent in this manner includes information indicating the amount of the trust dividend, and is sent to the BC system 30 according to the notification destination information registered in the financial institution user table 14, and serves as a smart contract activation notice.

After sending various payment instructions at step S14, the management operation system 20 (management operation server 21) determines whether or not to receive a trust dividend deposit notification addressed to the BC system 30 (S15), and if not (S15: NO), continues to wait for reception. Also, if a trust dividend deposit notification is received (S15: YES), the management operation server 21 temporarily stores the received trust dividend deposit notification in RAM 21c, and, if necessary, calls the API 32 of the BC system 30 to perform processing to send (transfer) the trust dividend deposit notification to the BC system 30 (S16).

In the BC system 30, after the computer device 31, which is a node constituting the BC system 30, transmits the payment information at the stage of S23, it judges whether or not the trust dividend deposit notice sent via the management operation system 20 (management operation server 21) has been received (S24). If it has not been received (S24: NO), it enters a state of waiting for reception (waiting for notification). Also, if the trust dividend deposit notice is received (S24: YES), the received trust dividend deposit notice becomes a smart contract activation trigger, and the smart contract 41 is activated (started) in the blockchain related to the BC system 30 (S25). Note that by receiving such a trust dividend deposit notice, the BC system 30 (smart contract 41) can understand that the original capital (source of funds) for the dividend to each investor has been secured, and it can proceed with the payment process of the dividend to confirm that no financial problems will arise.

In the BC system 30, based on the provisions of the activated smart contract 41, the CPU 31a of the computer device 31 reads the number of tokens owned by each contributor (corresponding to the value related to the distribution to each contributor) according to the owned token information of the token transaction data 40 recorded in the BC database 33, and specifies the distribution ratio for each contributor according to each read quantity (S26). Then, based on the provisions of the activated smart contract 41, the computer device 31 (CPU 31a) generates ratio information including an instruction to pay dividends to each contributor at the specified ratio (S27), and performs a process of transmitting the generated ratio information to the management operation system 20 (management operation server 21) (S28). Note that the transmission of this ratio information causes the smart contract 41 to terminate its activation.

After sending (transferring) the trust dividend deposit notice at step S16, the management operation system 20 (management operation server 21) waits for the ratio information to be sent from the BC system 30 (S17), and if it does not receive it (S17: NO), it continues to wait for the ratio information to be received. On the other hand, if the ratio information is received (S17: YES), the management operation server 21 performs a process of allocating to each investor the amount available for distribution from the trust dividend included in the trust dividend deposit notice stored in RAM 21c, based on the ratio related to the payment for each investor included in the received ratio information, and determines the amount to be distributed to each investor (S18). For example, if the amount available for distribution from the trust dividend notified in the trust dividend deposit notice is 10 million yen, and the payment ratio of investor A indicated by the ratio information is 1%, the amount of distribution to investor A is determined to be 100,000 yen, which is 1% of 10 million yen, by the management operation system 20 (management operation server 21).

Then, in order to pay the amount specified for each investor to each investor, the management operation system 20 (management operation server 21) performs a process of generating a payment instruction to instruct the payment of the specified amount (corresponding to the amount of distribution for each investor) to the financial institution account of each investor registered in the user DB 22, and transmitting the instruction to the financial institution system 11 (financial institution server 12) (S19).

After sending the trust dividend deposit notice at the stage S5, the financial institution system 11 (financial institution server 12) is in a state where it determines whether or not a payment instruction has been received as the next stage (S6), and if it has not been received (S6: NO), it waits to receive it. On the other hand, if the payment instruction sent at the stage S19 described above is received (S6: YES), the financial institution system 11 (financial institution server 12) performs processing related to the payment of the instructed amount from the financial institution account of the XYZ recruiting and sales company to the financial institution account of each investor instructed by the payment instruction (S7). Through this payment processing at the stage S7, each investor can obtain monthly dividends in accordance with the monthly rent payment of the real estate lessee, and the amount that can be obtained corresponds to the latest number of tokens owned by each investor stored in the BC system 30, so that the investor can obtain a profit according to his/her investment.

As described above, in the present invention, the payment of the trust fee to the trust bank 3, the payment of the asset management fee (investment management fee) to the asset manager 5, the payment of the contract fee to the administrative management company 6, the payment of the principal and interest on the loan to the lender 7a and the mezzanine lender 7a, and the payment of the trust dividend to the XYZ solicitation and sales company are made based on the payment information from the smart contract 41, and the payment of the dividend to each investor is made based on the payment instructions from the smart contract 41, so that various payments in the GK-TK scheme can be made smoothly with the smart contract 41 playing a central role in controlling them.

Note that the embodiment of the present invention is not limited to the above-described description, and various modified examples are possible. For example, in the above description, both the payments to the trust bank 3, the asset manager 5, the administrative management company 6, the lender 7a, the mezzanine lender 7a, and the XYZ solicitation and sales company (the contents shown in the first flowchart of FIG. 13) and the payment of dividends to each investor (mainly the contents shown in the second flowchart of FIG. 14) are made based on the provisions of the smart contract 41, but the control by the smart contract 41 can be either the former contents (the contents shown in the first flowchart of FIG. 13) or the latter contents (the contents shown in the second flowchart of FIG. 14).

If the contents shown in the first flowchart of FIG. 13 (contents relating to payments to the trust bank 3, asset manager 5, administrative management company 6, lender 7a, mezzanine lender 7a, and XYZ solicitation and sales company) are removed from the processing based on smart contract 41, the contents shown in the second flowchart of FIG. 14 will become the processing contents based on smart contract 41, and the processing related to the present invention will begin with a trust dividend deposit notice sent by financial institution server 12 (notification of trust dividend deposit to XYZ solicitation and sales company).

In this way, when the contents shown in the first flowchart of FIG. 13 deviate from the processing based on the smart contract 41, it is possible to consider that the processing contents performed in the BC system 30 shown in the first flowchart of FIG. 13 are performed in the management operation system 20 (management operation server 21). Specifically, when a rental deposit notification sent from the financial institution server 12 is received at the stage S10 (S10: YES), the deposit notification is not forwarded to the BC system 30 (processing of S11 and S12 is not performed), and the processing at the stage S13 (calculation of the amount of trust dividend to XYZ solicitation and sales company) is performed, and then the processing at the stage S14 (transmission of various payment instructions to instruct the transfer of each payment amount to the designated financial institution accounts of the trust bank 3, asset manager 5, administrative management company 6, lender 7a, mezzanine lender 7a, and XYZ solicitation and sales company) is performed. In this modified example, the processing target based on the smart contract 41 can be narrowed down to the processing related to the payment of dividends to each investor (the processing shown in the second flowchart of FIG. 14), thereby reducing the processing burden on the BC system 30, while at the same time speeding up the payment processing to the trust bank 3, the asset manager 5, the administrative management company 6, the lender 7a, the mezzanine lender 7a, and the XYZ solicitation and sales company by not involving the BC system 30.

Furthermore, in addition to having the processing contents performed by the BC system 30 shown in the first flowchart of Figure 13 be performed by the management operation system 20 (management operation server 21), it is also possible to have all processing performed by the financial institution system 11 (financial institution server 12). That is, in the case of this modified example, the payment information (information such as the payment account destination and payment amount) shown in the payment table 23 shown in FIG. 8 is stored in advance in the financial institution server 12 (for example, stored in the memory unit 12g), and when the financial institution server 12 determines (detects) that the trust bank 3 has deposited the rent from the real estate lessee 4 into the financial institution account of ABC LLC (see S1: YES in the first flowchart in FIG. 13), the financial institution server 12, triggered by the deposit, refers to the stored payment information and performs a transfer process of a predetermined amount to each of the predetermined financial institution accounts of the trust bank 3, the asset manager 5, the administrative management company 6, the lender 7a, and the mezzanine lender 7a, and further calculates the payment amount of XYZ Recruiting and Sales Company by subtracting the total amount of payments to the trust bank 3, the asset manager 5, the administrative management company 6, the lender 7a, and the mezzanine lender 7a from the amount of the deposited rent, and also performs a process of depositing the calculated amount into the financial institution account of XYZ Recruiting and Sales Company. By doing this, it is possible to carry out all of the operations shown in the first flowchart of FIG. 13 in the financial institution system 11 (financial institution server 12).

In the processing performed by the BC system 30 shown in the first flowchart of FIG. 13, the payments to the trust bank 3, the asset manager 5, the administrative management company 6, the lender 7a, the mezzanine lender 7a, and the XYZ soliciting and selling company are included in the payment information. However, instead of including all of the payments to the trust bank 3, the asset manager 5, the administrative management company 6, the lender 7a, the mezzanine lender 7a, and the XYZ soliciting and selling company in the payment information generated by the BC system 30, in order to reduce the processing burden on the BC system 30, at least one of the payments described above may be included in the payment information. Items that are not included in the payment information from the BC system 30 may be processed by the management and operation system 20 (management and operation server 21) or the financial institution system 11 (financial institution server 12) as in the modified example described above, or may be processed by an operator's operation instructions.

Regarding the processing based on the smart contract 41, if the payment processing of dividends to each contributor (processing shown in the second flowchart of FIG. 14) is removed, the contents shown in the first flowchart of FIG. 13 will be the processing contents based on the smart contract 41. In this case, the management operation system 20 (management operation server 21) will perform the processing contents performed by the BC system 30 shown in the second flowchart of FIG. 14. Specifically, when a trust dividend deposit notice sent from the financial institution system 11 (financial institution server 12) is received at the stage of S15 (S15: YES), the trust dividend deposit notice is not transferred to the BC system 30 (processing of S16 and S17 is not performed), but instead, the owned token information included in the owned token DB 28 stored in the DB server 27 is referenced to identify the number of tokens owned by each contributor, and the payment ratio for each contributor according to the identified number is identified, and then the processing at the stage of S18 (identification of the payment amount to each contributor) is performed.

When the operation management server 21 determines the number of tokens owned by each investor in this way, the number of tokens owned by each investor stored in the BC data 40 of the BC system 30 may differ from the contents of the owned token DB 28 stored in the DB server 27 depending on the timing of daily processing (batch processing) and the time of token trading, etc. Therefore, it is preferable to perform a process to determine the number of tokens owned by each investor by referring to the owned token information contained in the owned token DB 28 (see FIG. 10) after the daily processing (batch processing) is performed, or to clearly state in the contract content under which each investor trades tokens that the determination of the amount of distribution is based on the owned token information contained in the owned token DB 28 at a certain point in time (for example, the time when the payment processing is performed to the financial institution server 12 at the step S4).

Furthermore, in the process shown in the second flowchart of FIG. 14, it is possible to omit only a part of the process of the BC system 30, rather than omitting all of it, and have the omitted process performed by the management operation system 20 (management operation server 21). Specifically, at the stage of S26 in the second flowchart of FIG. 14, the ratio of distribution to each contributor is not specified, and the number of tokens owned by each contributor (corresponding to the value related to distribution to each contributor) is read out according to the owned token information of the token transaction data 40 recorded in the BC database 33, and the information indicating the number of tokens owned by each contributor that has been read out is transmitted to the management operation system 20 (management operation server 21). In this case, when the management operation system 20 (management operation server 21) receives the information indicating the number of tokens owned by each contributor, it specifies the ratio of distribution to each contributor based on the received information, and specifies the amount of payment to be distributed to each contributor based on the specified ratio. This type of variation is advantageous because it reduces the processing burden on the BC system 30 and allows the amount of payment to each contributor to be determined based on the owned token information in the token transaction data 40 recorded in the BC database 33.

In the above embodiment, the investment target of the token (security token) is described as a rental real estate, but the investment target of the token is not limited to rental real estate, and the contents of the present invention can be applied to various real estate (station buildings, tenant buildings, hospitals, nurseries, etc.), various facilities (sports facilities, cultural facilities, tourist facilities, etc.), various businesses (energy businesses, power generation businesses, environmental regeneration businesses, new product development businesses, accounts receivable businesses, precious metals/special metal businesses, art businesses, livestock-related businesses, agricultural crop-related businesses, food and beverage-related businesses, etc.), various movable property (aircraft, ships, buses, etc.), various entertainment businesses (movie-related businesses, game-related businesses, idol/celebrity-related businesses, performance-related businesses, sports-related businesses, etc.), etc. Furthermore, the present invention may be used when a scheme other than the GK-TK scheme is used for the investment target described above.

In addition, in the above-mentioned embodiment, the blockchain related to the BC system 30 has been described as a private chain, but depending on the management system of the BC system 30 and the payment control system 50, a consortium chain or a public chain may be applied. Furthermore, in order to improve communication with the outside, a server for communication with the outside may be provided for the BC system 30, or a node for communication with the outside (computer device 31) may be provided for the BC system 30. In such a case, it is preferable to use an API related to the blockchain (see API 32 described above) for the server or node for communication with the outside.

In addition, in terms of the number of nodes constituting the blockchain system 30, in addition to using multiple nodes, if the emphasis is on improving processing speed and manageability, the blockchain may be constructed with a single node (computer device 31). In such a case, it is also preferable to introduce virtual machine specifications and set up multiple nodes virtually.

Figure 15 shows the overall system configuration of the dividend payment system 100 according to the second embodiment of the present invention. In the dividend payment system 100 according to the second embodiment, as in the first embodiment, the financial institution system 110 and the payment control system 500 are communicably connected via a wide area network NW, and the management operation system 200 and the BC system 300 included in the payment control system 500 are also communicably connected to each other. However, the second embodiment is characterized in that the BC system 300 is also communicably connected to the financial institution system 110 via the wide area network NW. As a result, in the second embodiment, the financial institution system 110 can send a notice of deposit of rent and a notice of deposit of trust dividend to the BC system 300 without going through the management operation system 200. In the following description of the second embodiment, the same reference numerals as those in the first embodiment will be used for the same parts as those in the first embodiment (excluding the reference numerals of the dividend payment system 100, financial institution system 110, management operation system 200, and BC system 300 listed above).

The financial institution system 110 performs processing related to payments based on payment instructions, and basically adopts the same configuration as the financial institution system 11 of the first embodiment, and has a financial institution server 12 and an account DB device 15. The difference from the first embodiment is that in order to send rental deposit notifications and trust dividend deposit notifications to the BC system 300, in the financial institution user table 14 stored in the storage unit of the financial institution server 12, a direct address related to the BC system 30 is registered as the notification destination when the rental fee is deposited from the trust bank 3 into the financial institution account of ABC LLC, and a direct address related to the BC system 30 is registered as the notification destination when the trust dividend is deposited from ABC LLC into the financial institution account of XYZ Recruitment and Sales Company. In addition, when the financial institution server 12 sends these notifications to the BC system 30, it may call the API 32 of the node (computer device 31) related to the BC system 30 and convey the contents of these notifications as arguments.

The management operation system 200 included in the payment control system 500 is basically configured in the same way as the management operation system 20 of the first embodiment, and has an operation management server 21, a batch processing server 25, and a DB server 27. The difference from the first embodiment is that the operation management server 21 omits the process of transferring rental payment notifications and trust dividend payment notifications to the BC system 300.

The BC system 300 included in the payment control system 500 is basically configured in the same way as the BC system 30 of the first embodiment, and includes a node (computer device 31) related to the blockchain. The difference from the first embodiment is that it receives rental deposit notifications and trust dividend deposit notifications sent from the financial institution system 110 (financial institution server 12).

The third and fourth flowcharts shown in Figures 16 and 17 show the processing steps of the dividend payment method of the present invention related to the dividend payment system 100 according to the second embodiment. In the first stage (S50) of the third flowchart in Figure 16, similar to the stage S1 of the first flowchart in the first embodiment (see Figure 13), the financial institution server 12 of the financial institution system 110 determines whether or not the trust bank 3 has deposited the rent from the real estate lessee 4 into the financial institution account of ABC LLC (S50), and if the rent has not yet been deposited (S50: NO), the system enters a state of waiting for the deposit.

On the other hand, if the rent has been deposited (S50: YES), the financial institution server 12 generates a rent deposit notification (corresponding to a smart contract activation notification) based on the notification destination information associated with ABC LLC registered in the financial institution user table 14 of the second embodiment, and performs processing to call the API 32 related to the BC system 300 and send the rent deposit notification directly to the BC system 300 (a node related to the BC system 300) (S51).

In the first step (S70), the computer device 31, which is a node constituting the BC system 300 of the second embodiment, determines whether or not a rental payment notification sent directly from the financial institution server 12 has been received, and if no notification has been received (S70: NO), it enters a notification waiting state. On the other hand, if a rental payment notification has been received (S70: YES), then in steps S71 to S73, it performs the same processing as steps S21 to S23 in the first flowchart of FIG. 13, and finally performs processing to send payment information to the management and operation server 21 of the recruitment and sales system 200 of the second embodiment (S73).

In the first step (S60), the management and operation server 21 of the solicitation and sales system 200 of the second embodiment determines whether or not payment information is to be sent from the BC system 30, and if no payment information is received (S60: NO), it waits to receive the payment information. On the other hand, if payment information is received (S60: YES), then in steps S61 and 62, it performs the same processing as steps S13 and 14 in the first flowchart of FIG. 13, and finally performs processing to send various payment instructions to the financial institution server 12 of the financial institution system 110 of the second embodiment (S62).

After sending the deposit notification at step S51, the financial institution server 12 of the financial institution system 110 of the second embodiment is in a state where it determines whether various payment instructions have been received (S52), similar to step S3 in the first flowchart of FIG. 13. If no payment instructions have been received (S52: NO), it waits to receive them. If various payment instructions have been received (S52: YES), similar to step S4 in the first flowchart of FIG. 13, the financial institution server 12 executes payment processing of the specified amount from the financial institution account of ABC LLC to each financial institution account specified by the information contained in the various payment instructions (S53), and monthly trust fees are paid to the trust bank 3, asset management fees (investment management fees) are paid to the asset manager 5, contract fees are paid to the administrative management company 6, principal and interest on loans are paid to the lender 7a and mezzanine lender 7a, and trust dividends are paid to the XYZ solicitation and sales company.

In this way, the processing of the third flowchart in the second embodiment has the advantage over the first flowchart shown in Figure 13 in that a rental payment notification is sent directly from the financial institution system 110 to the BC system 300, thereby reducing the processing burden on the recruitment and sales system 200 and simplifying the overall processing flow.

Next, the processing contents (contents of the dividend payment method) related to the payment of dividends to each investor in the second embodiment will be described based on the fourth flowchart shown in FIG. 17. When the financial institution system 110 (financial institution server 12) in the second embodiment completes the deposit of the trust dividend to the XYZ soliciting and selling company, it will also send a trust dividend deposit notification notifying the completion of the deposit. Based on the notification destination information associated with the XYZ soliciting and selling company registered in the financial institution user table 14 in the second embodiment, the financial institution system 110 calls the API 32 related to the BC system 300 and performs processing to send this trust dividend deposit notification (corresponding to a smart contract activation notification) to the BC system 300 (a node related to the BC system 300) (S54).

After sending payment information at step S73 in the third flowchart of FIG. 16, the computer device 31, which is a node constituting the BC system 300 of the second embodiment, judges whether or not a trust dividend deposit notice (a notice of the completion of deposit of the trust dividend to the XYZ soliciting and selling company, which corresponds to a smart contract activation notice) transferred from the financial institution server 12 has been received (S74). If not received (S74: NO), the computer device 31 enters a notification waiting state. On the other hand, if the deposit notice is received (S74: YES), then, at steps S75 to S78, the same processing as in steps S25 to S28 in the second flowchart of FIG. 14 is performed, and finally, the ratio information is sent to the management and operation server 21 of the soliciting and selling system 200 of the second embodiment (S78).

After sending various payment instructions at step S62 in the third flowchart of FIG. 16, the management and operation server 21 of the solicitation and sales system 200 of the second embodiment determines whether or not it has received the ratio information sent from the BC system 300 (S63), and if it has not received it (S63: NO), it waits to receive it. On the other hand, if it has received the ratio information (S63: YES), then at steps S64 and 65, it performs the same processes as steps S18 and 19 in the second flowchart of FIG. 14, and finally performs the process of sending the payment instructions to the financial institution server 12 of the financial institution system 110 of the second embodiment (S65).

After sending the trust dividend deposit notification at step S54, the financial institution server 12 of the financial institution system 110 of the second embodiment is in a state where it determines whether or not a payment instruction has been received (S55), similar to step S6 in the second flowchart of FIG. 14. If no payment instruction has been received (S55: NO), it waits to receive it. If a payment instruction has been received (S55: YES), the financial institution server 12 executes processing to pay the specified amount of dividend from the financial institution account of the XYZ solicitation and sales company to the financial institution account of each investor specified by the information included in the payment instruction (S56), similar to step S7 in the second flowchart of FIG. 14.

In this way, the processing of the fourth flowchart in the second embodiment has the advantage over the second flowchart shown in FIG. 14 in that the notification of the deposit of the trust dividend is sent directly from the financial institution system 110 to the BC system 30, thereby reducing the processing burden on the solicitation and sales system 200 and simplifying the overall processing flow. Note that the second embodiment is similar to the first embodiment except for the content described above.

In addition, various modifications can be envisioned for the second embodiment. For example, the processing performed by the solicitation and sales system 200 (management and operation server 21) in the third and fourth flowcharts described above may be performed by the BC system 300, and various processing may be completed between the financial institution system 110 and the BC system 300. Specifically, the user DB 22 (see Figures 6 and 7) and the payment table 23 (see Figures 6 and 8) stored in the management and operation server 21 are stored in the blockchain related to the BC system 300 of the second embodiment, and based on the smart contract 41 related to the BC system 300, the processing related to steps S61 and 62 of the third flowchart and the processing related to steps S64 and 65 of the fourth flowchart, which were performed by the MPU 21 of the management and operation server 21 based on the provisions of the transaction program P11, are performed by the BC system 300.

The fifth and sixth flowcharts shown in Figures 18 and 19 show the processing procedure of the dividend payment method of the present invention related to the dividend payment system 100 related to the modified example of the second embodiment described above. In these fifth and sixth flowcharts, the processing on the financial institution system 110 (financial institution server 12) side is basically the same as the contents shown in the third and fourth flowcharts described above, and the financial institution server 12 determines whether or not the rent of the real estate lessee 4 has been deposited in the financial institution account of ABC LLC from the trust bank 3 (S80). If the rent has not been deposited (S80: NO), it enters a state of waiting for deposit. If the rent has been deposited (S80: YES), it generates a rent deposit notification (corresponding to a smart contract activation notification), calls the API 32 related to the BC system 300, and performs processing to send it to the BC system 300 (S81).

The computer device 31, which is a node constituting the BC system 300, also performs basically the same processing as shown in the third and fourth flowcharts at the beginning, determining whether or not a rental payment notification has been received from the financial institution server 12 (S90), and if the notification has not been received (S90: NO), it enters a state of waiting for notification. On the other hand, if a rental payment notification has been received (S90: YES), the smart contract 41 is activated (S91), and according to the provisions of the activated smart contract 41, the CPU 31a of the computer device 31 (node) refers to the payment amounts of the trust bank 3, asset manager 5, administrative management company 6, lender 7a, and mezzanine lender 7a stored in the payment table 23 stored in the BC system 300, subtracts the total of these referenced payment amounts from the amount of payment (total amount of rent from each real estate lessee) indicated in the received payment notification, and calculates the payment amount according to the trust dividend to the XYZ solicitation and sales company (S92).

Then, the CPU 31a of the computer device 31 (node) refers to the user DB 22 (see FIG. 7) stored in the BC system 300, generates various payment instructions (including management fee payment instructions, trustee fee payment instructions, fee payment instructions, principal and interest payment instructions, and trust dividend payment instructions) that instruct the trust bank 3, asset manager 5, administrative management company 6, lender 7a, mezzanine lender 7a, and XYZ solicitation and sales company to pay the respective payment amounts to their designated financial institution accounts, and transmits the various payment instructions thus generated to the financial institution system 110 (financial institution server 12) (S93). Note that the processing at steps S92 and S93 corresponds to the processing performed by the solicitation and sales system 200 (management and operation server 21) in the above explanation (see steps S61 and S62 of the third flowchart in FIG. 16).

In addition, various payment instructions may be sent to the financial institution system 110 (financial institution server 12) by the computer device 31 (CPU 31a) which is a node reading the financial institution API 13 (see Figure 3) and passing the contents (information) of the various payment instructions as arguments to the financial institution system 110 (financial institution server 12).

After sending the rental payment notification at step S81, the financial institution server 12 of the financial institution system 110 determines whether various payment instructions have been received (S82), similar to steps S3 and 52 in the first and third flowcharts described above. If no instructions have been received (S82: NO), it waits to receive them. If instructions have been received (S82: YES), the financial institution server 12 executes the process of paying the specified amount from ABC LLC's financial institution account to each financial institution account specified by the information contained in the various payment instructions (S83), similar to steps S4 and 53 in the first and third flowcharts described above.

In this modified example, in conjunction with the monthly rent payment by the real estate tenant, the following are made: a monthly trust fee to the trust bank 3, an asset management fee (investment management fee) to the asset manager 5, a contract fee to the administrative management company 6, principal and interest on the loan to the lender 7a and the mezzanine lender 7a, and a trust dividend to the XYZ soliciting and selling company. In addition, in this modified example, the soliciting and selling system 200 (management and operation server 21) is not involved in each of the above-mentioned payments, which has the advantage of reducing the processing burden on the soliciting and selling system 200 (management and operation server 21) and ensuring that the soliciting and selling system 200 (management and operation server 21) can be easily dedicated to processing the buying and selling of tokens (security tokens).

Next, as shown in the sixth flowchart of FIG. 19, when the deposit of the trust dividend to the XYZ soliciting and selling company is completed (see S83 in the fifth flowchart of FIG. 18), the financial institution system 110 (financial institution server 12) calls the API 32 related to the BC system 300 based on the notification destination information associated with the XYZ soliciting and selling company registered in the financial institution user table 14, and performs processing to send a notification of the deposit of the trust dividend to the BC system 300 (a node related to the BC system 300) (S84).

After sending various payment instructions at the above-mentioned step S93, the computer device 31 of the node related to the BC system 300 judges whether or not a trust dividend deposit notice (corresponding to a smart contract activation notice) has been received (S94), and if not (S94: NO), it enters a state of waiting for reception. On the other hand, if a trust dividend deposit notice has been received (S94: YES), the smart contract 41 is activated (S95), and based on the provisions of the activated smart contract 41, the CPU 31a of the computer device 31 (node) identifies the number of tokens owned by each contributor (corresponding to the value related to the distribution to each contributor) according to the owned token information included in the token transaction data 40 recorded in the BC database 33 (S96), and performs a process of allocating the amount of the trust dividend included in the received trust dividend deposit notice that can be used as the capital (amount related to the capital) to each contributor in proportion to the identified number, thereby identifying the amount to be distributed to each contributor (amount of payment to each contributor) (S97).

Then, the CPU 31a of the computer device 31 (node) generates a payment instruction to instruct the payment of each payment amount (corresponding to the amount to be paid as a dividend to each contributor) identified in step S97 to the financial institution account of each contributor registered in the user DB 22 based on the provisions of the activated smart contract 41, and performs processing to transmit the generated payment instruction to the financial institution system 110 (financial institution server 12) (S98). Note that when transmitting, as in the case of transmitting the various payment instructions described above, the computer device 31 (CPU 31a) which is the node may also read the financial institution API 13 and transmit the contents of the payment instruction as an argument to the financial institution system 110 (financial institution server 12).

After sending the trust dividend deposit notification at step S84, the financial institution server 12 of the financial institution system 110 determines whether or not a payment instruction has been received (S85). If no instruction has been received (S58: NO), the financial institution server 12 waits to receive the instruction. If a payment instruction is received (S85: YES), the financial institution server 12 performs processing to pay the specified dividend amount from the financial institution account of the XYZ solicitation and sales company to the financial institution account of each investor specified by the information included in the payment instruction (S86).

In this way, the processing of the sixth flowchart relating to the modified example does not involve the solicitation and sales system 200 (management and operation server 21) even in the processing relating to the payment of dividends to each investor, which has the advantage of reducing the processing burden on the solicitation and sales system 200 (management and operation server 21) and ensuring that the solicitation and sales system 200 (management and operation server 21) can be easily dedicated to processing the buying and selling of tokens (security tokens). Note that the various modified examples relating to the first embodiment described above can also be applied to this second embodiment (including the modified example relating to the second embodiment described above).

The present invention can be suitably used to smoothly execute the process of paying dividends to each investor in a blockchain using a smart contract placed on the blockchain.

10, 100 Dividend payment system 11, 110 Financial institution system 12 Financial institution server 13 Financial institution API
14 Financial institution user table 15 Account DB device 16 Financial institution account DB
20, 200 Management operation system 21 Management operation server 22 User DB
23 Payment table 25 Batch processing server 27 DB server 28 Owned token DB
30, 300 BC system 31 Computer device (node)
32 API
33 BC database 40 Token transaction data 41 Smart contract NW network

Claims (25)

A dividend payment system comprising a financial institution system that performs processing related to payments based on payment instructions, and a blockchain system related to a blockchain in which a smart contract is placed, the financial institution system being an external system to the blockchain system and configured to perform processing related to the payment of dividends to investors,
The blockchain records owned token information indicating the number of owned tokens for each investor,
The financial institution system includes a means for transmitting a notification of fund deposit notifying the deposit of funds related to the distribution to the blockchain system,
The smart contract is activated by a notification of the receipt of the funds,
The blockchain system includes:
A means for determining the amount of the deposited funds to be distributed to each contributor according to the owned token information recorded on the blockchain based on the activated smart contract;
and means for transmitting a payment instruction to the financial institution system instructing payment of an amount for each identified contributor based on the activated smart contract;
The financial institution system includes:
A dividend payment system characterized by having a means for processing the payment of the amount for each investor indicated in the received payment instruction to the financial institution account relating to each investor when the payment instruction is received. The object of the investor's investment is according to the property to be rented;
The rental property is a trust, is an investment property, and was purchased with a loan.
The financial institution system includes a means for transmitting a rent deposit notification to the blockchain system to notify that a rent deposit has been made,
The smart contract is activated by a rent payment notification being sent,
The blockchain system includes:
A means for calculating a trust dividend to a token trader by deducting a management fee to a manager of the rental property, a trust fee to a trustee, a fee to an investment manager, and principal and interest to a lender from the rent based on the activated smart contract;
A means for transmitting various payment instructions to the financial institution system, which instruct the payment of a management fee to the administrator, a trust fee to the trustee, a fee to the investment manager, principal and interest to the lender, and a calculated trust dividend to the token trader based on the activated smart contract ;
The financial institution system includes:
The dividend payment system of claim 1, further comprising a means for performing processing related to the payment of a management fee to a financial institution account relating to the administrator, the payment of a trust fee to a financial institution account relating to the trustee, the payment of a fee to a financial institution account relating to the investment manager, and the payment of a trust dividend to a financial institution account relating to the token trader, when the various payment instructions are received. The object of the investor's investment is according to the property to be rented;
The financial institution system includes a means for transmitting a rent deposit notification to the blockchain system to notify that a rent deposit has been made,
The smart contract is activated by a rent payment notification being sent,
The blockchain system includes:
A means for transmitting a management fee payment instruction to the financial institution system based on the activated smart contract, the management fee payment instruction instructing payment of a management fee to a manager of the rented property;
The financial institution system includes:
2. A dividend payment system as claimed in claim 1, further comprising means for carrying out processing relating to payment of the management fee to a financial institution account relating to the manager when the instruction to pay the management fee is received. The property to be rented is in a trust,
The blockchain system includes:
a means for transmitting a trust fee payment instruction to the financial institution system, the trust fee payment instruction instructing the payment of a trust fee to a trustee based on a smart contract activated by the rental fee payment notification;
The financial institution system includes:
A dividend payment system as described in claim 3, further comprising a means for processing the payment of the trust fee to a financial institution account related to the trustee when the trust fee payment instruction is received.

The property to be rented is the subject of investment management;
The blockchain system includes:
A means for transmitting a remuneration payment instruction to the financial institution system , the remuneration payment instruction instructing the payment of a remuneration to the investment manager based on the smart contract activated by the rental fee payment notification,
The financial institution system includes:
5. A dividend payment system as claimed in claim 3 or claim 4, further comprising means for carrying out processing relating to payment of the fee to a financial institution account relating to the investment manager when the fee payment instruction is received. The property to be rented was purchased with a loan,
The blockchain system includes:
A means for transmitting a principal and interest payment instruction to the financial institution system, the principal and interest payment instruction instructing the financial institution system to pay the principal and interest to the lender based on the smart contract activated by the rental payment notification,
The financial institution system includes:
6. The dividend payment system according to claim 3, further comprising a means for, when receiving the instruction to pay principal and interest, carrying out processing relating to the payment of principal and interest to a financial institution account relating to a lender. A dividend payment system comprising a financial institution system that performs processing related to payments based on payment instructions, a blockchain system related to a blockchain in which a smart contract is placed, and a management and operation system capable of communicating with the blockchain system, wherein the financial institution system is an external system to the blockchain system and performs processing related to the payment of dividends to investors,
The blockchain records owned token information indicating the number of owned tokens for each investor,
The financial institution system includes a means for transmitting a notification of fund deposit notifying the deposit of funds related to the distribution to the blockchain system,
The smart contract is activated by a notification of the receipt of the funds,
The blockchain system includes:
A means for determining the distribution ratio for each contributor according to the owned token information recorded on the blockchain based on the activated smart contract;
A means for transmitting ratio information including information indicating the ratio for each identified contributor to the management and operation system based on the activated smart contract;
The management and operation system includes:
a means for, when receiving the ratio information, determining an amount of the deposited funds to be distributed to each contributor in accordance with the ratio for each contributor indicated in the received ratio information;
and means for transmitting a payment instruction for each identified contributor to the financial institution system;
The financial institution system includes:
A dividend payment system characterized by having a means for processing the payment of the amount for each investor indicated in the received payment instruction to the financial institution account relating to each investor when the payment instruction is received. The object of the investor's investment is according to the property to be rented;
The rental property is a trust, is an investment property, and was purchased with a loan.
The financial institution system includes a means for transmitting a rent deposit notification to the blockchain system to notify that a rent deposit has been made,
The smart contract is activated by a rent payment notification being sent,
The blockchain system includes:
A means for transmitting payment information to the management and operation system instructing payment of a management fee to the administrator, a trust fee to the trustee, a fee to the investment manager, principal and interest to the lender, and a trust dividend to the token trader based on the activated smart contract ;
The management and operation system includes:
When the payment information is received, a means for calculating a trust dividend to the token trader by subtracting from the rent a management fee to the manager of the rented property, a trust fee to the trustee, a fee to the investment manager, and principal and interest to the lender;
A means for transmitting various payment instructions to the financial institution system, which instruct the payment of a management fee to the administrator, a trust fee to the trustee, a fee to the investment manager, principal and interest to the lender, and a calculated trust dividend to the token trader ;
The financial institution system includes:
The dividend payment system of claim 7, further comprising a means for performing processing related to the payment of a management fee to a financial institution account relating to the administrator, the payment of a trust fee to a financial institution account relating to the trustee, the payment of a fee to a financial institution account relating to the investment manager, and the payment of a trust dividend to a financial institution account relating to the token trader, when the various payment instructions are received. The blockchain system comprises an application programming interface;
The dividend payment system according to any one of claims 1 to 8, wherein the smart contract is activated upon receipt of the notification of deposit of the original capital via the application programming interface. The blockchain system comprises an application programming interface;
The dividend payment system according to any one of claims 2, 3, 4, 5, 6 and 8, wherein the smart contract is activated upon receipt of the rent payment notification via the application programming interface. In a blockchain system, a financial institution system, which is an external system that processes payments based on payment instructions, processes dividend payments to investors based on payment instructions based on smart contracts placed on the blockchain.
The blockchain records owned token information indicating the number of owned tokens for each investor,
The smart contract is triggered by a notification of fund deposit, which notifies the deposit of funds related to the distribution from an external financial institution system,
A means for determining the amount of the deposited funds to be distributed to each contributor according to the owned token information recorded on the blockchain based on the activated smart contract;
A means for sending a payment instruction to an external financial institution system instructing payment of an amount for each identified contributor based on the activated smart contract. With application programming interface,
The blockchain system of claim 11, wherein the smart contract is activated upon receipt of the notification of deposit of the original funds via the application programming interface. The object of the investor's investment is according to the property to be rented;
The rental property is a trust, is an investment property, and was purchased with a loan.
The smart contract is activated by a rent deposit notification that notifies the fact that a rent deposit has been received from an external financial institution system,
A means for calculating a trust dividend to a token trader by deducting, from the rent, a management fee to the manager of the rented property, a trust fee to the trustee, a fee to the investment manager, and principal and interest to the lender based on the activated smart contract;
and a means for transmitting various payment instructions to an external financial institution system, instructing the payment of a management fee to the administrator, a trustee's remuneration to the trustee, a remuneration to the investment manager, principal and interest to the lender, and a calculated trust dividend to the token trader, based on the activated smart contract . The blockchain system of claim 11 or 12. With application programming interface,
The blockchain system of claim 13, wherein the smart contract is triggered upon receipt of the rent payment notification via the application programming interface. A payment control system that includes a blockchain system related to a blockchain in which a smart contract is deployed and a management and operation system capable of communicating with the blockchain system, and causes a financial institution system, which is an external system that performs processing related to payments based on payment instructions, to perform processing related to the payment of dividends to investors,
The blockchain records owned token information indicating the number of owned tokens for each investor,
The smart contract is triggered by a notification of fund deposit, which notifies the deposit of funds related to the distribution from an external financial institution system,
The blockchain system includes:
A means for determining the distribution ratio for each contributor according to the owned token information recorded on the blockchain based on the activated smart contract;
A means for transmitting ratio information including information indicating the ratio for each identified contributor to the management and operation system based on the activated smart contract;
The management and operation system includes:
a means for, when receiving the ratio information, determining an amount of the deposited funds to be distributed to each contributor in accordance with the ratio for each contributor indicated in the received ratio information;
A payment control system comprising: a means for transmitting a payment instruction for each identified contributor to an external financial institution system. The blockchain system comprises an application programming interface;
16. The payment control system of claim 15, wherein the smart contract is triggered upon receipt of the notification of deposit of the original funds via the application programming interface. The object of the investor's investment is according to the property to be rented;
The rental property is a trust, is an investment property, and was purchased with a loan.
The smart contract is activated by a rent deposit notification that notifies the fact that a rent deposit has been received from an external financial institution system,
The blockchain system includes:
A means for transmitting payment information to the management and operation system instructing payment of a management fee to the administrator, a trust fee to the trustee, a fee to the investment manager, principal and interest to the lender, and a trust dividend to the token trader based on the activated smart contract ;
The management and operation system includes:
When the payment information is received, a means for calculating a trust dividend to the token trader by subtracting from the rent a management fee to the manager of the rented property, a trust fee to the trustee, a fee to the investment manager, and principal and interest to the lender;
A means for transmitting various payment instructions to an external financial institution system to instruct the payment of a management fee to an administrator, a trustee's remuneration to a trustee, a remuneration to an investment manager , principal and interest to a lender, and a calculated trust dividend to a token trader. The payment control system according to claim 15 or 16, further comprising: The blockchain system comprises an application programming interface;
18. The payment control system of claim 17, wherein the smart contract is triggered upon receipt of the rent payment notification via the application programming interface. A method for paying dividends to investors, in which a blockchain system related to a blockchain in which a smart contract is deployed causes a financial institution system, which is an external system to the blockchain system and performs processing related to payments based on payment instructions, to perform processing related to the payment of dividends to investors,
The blockchain records owned token information indicating the number of owned tokens for each investor,
The financial institution system executes a step of transmitting a notification of fund deposit notifying the deposit of the fund related to the distribution to the blockchain system,
The smart contract is activated by the notification of the deposit of the original funds,
The blockchain system includes:
A step of determining an amount to be distributed to each contributor of the deposited funds based on the activated smart contract and in accordance with the owned token information recorded on the blockchain;
and sending a payment instruction to the financial institution system instructing payment of the amount for each identified contributor based on the activated smart contract;
The financial institution system includes:
A dividend payment method characterized by executing a step in which, when the payment instruction is received, processing is carried out to pay the amount for each investor as instructed in the received payment instruction to the financial institution account relating to each investor. A blockchain system relating to a blockchain in which a smart contract is placed and a management and operation system capable of communicating with the blockchain system are external to the blockchain system, and a financial institution system that performs processing related to payments based on payment instructions performs processing related to the payment of dividends to investors,
The blockchain records owned token information indicating the number of owned tokens for each investor,
The financial institution system executes a step of transmitting a notification of fund deposit notifying the deposit of the fund related to the distribution to the blockchain system,
The smart contract is activated by the notification of the deposit of the original funds,
The blockchain system includes:
A step of determining a distribution ratio for each contributor according to the owned token information recorded on the blockchain based on the activated smart contract;
and transmitting ratio information including information indicating the ratio for each identified contributor to the management and operation system based on the activated smart contract;
The management and operation system includes:
When the ratio information is received, a step of determining an amount of the deposited funds to be distributed to each contributor in accordance with the ratio for each contributor indicated in the received ratio information;
and transmitting a payment instruction to the financial institution system for the amount for each identified contributor;
The financial institution system includes:
A dividend payment method characterized by executing a step in which, when the payment instruction is received, processing is carried out to pay the amount for each investor as instructed in the received payment instruction to the financial institution account relating to each investor. A method for paying dividends to investors, in which a blockchain system related to a blockchain in which a smart contract is deployed causes a financial institution system, which is an external system that performs processing related to payments based on a payment instruction, to perform processing related to the payment of dividends to investors,
The blockchain records owned token information indicating the number of owned tokens for each investor,
The smart contract is activated by a notification of fund deposit, which notifies the deposit of funds related to the distribution from an external financial institution system,
The blockchain system includes:
A step of determining an amount to be distributed to each contributor of the deposited funds based on the activated smart contract and in accordance with the owned token information recorded on the blockchain;
A dividend payment method characterized by executing a step of sending a payment instruction to an external financial institution system instructing payment of an amount for each identified contributor based on the activated smart contract. The object of the investor's investment is according to the property to be rented;
The rental property is a trust, is an investment property, and was purchased with a loan.
The smart contract is activated by a rent deposit notification that notifies the fact that a deposit related to the rent has been made from an external financial institution system,
The blockchain system includes:
A step of calculating a trust dividend to the token trader by subtracting a management fee to the manager of the rented property, a trust fee to the trustee, a fee to the investment manager, and principal and interest to the lender from the rent based on the activated smart contract;
22. The dividend payment method of claim 21, further comprising: a step of transmitting various payment instructions to an external financial institution system , instructing the payment of a management fee to the administrator, a trustee's remuneration to the trustee, a remuneration to the investment manager, principal and interest to the lender, and a calculated trust dividend to the token trader, based on the activated smart contract. In a dividend payment method system, a blockchain system related to a blockchain in which a smart contract is deployed and a management and operation system capable of communicating with the blockchain system cause a financial institution system, which is an external system that performs processing related to payments based on payment instructions, to perform processing related to the payment of dividends to investors,
The blockchain records owned token information indicating the number of owned tokens for each investor,
The smart contract is activated by a notification of fund deposit, which notifies the deposit of funds related to the distribution from an external financial institution system,
The blockchain system includes:
A step of determining a distribution ratio for each contributor according to the owned token information recorded on the blockchain based on the activated smart contract;
and transmitting ratio information including information indicating the ratio for each identified contributor to the management and operation system based on the activated smart contract;
The management and operation system includes:
When the ratio information is received, a step of determining an amount of the deposited funds to be distributed to each contributor in accordance with the ratio for each contributor indicated in the received ratio information;
and transmitting a payment instruction for the amount for each identified investor to an external financial institution system. The object of the investor's investment is according to the property to be rented;
The rental property is a trust, is an investment property, and was purchased with a loan.
The smart contract is activated by a rent deposit notification that notifies the fact that a deposit related to the rent has been made from an external financial institution system,
The blockchain system includes:
Executing a step of transmitting payment information to the management and operation system instructing payment of a management fee to the administrator, a trust fee to the trustee, a fee to the investment manager, principal and interest to the lender, and a trust dividend to the token trader based on the activated smart contract ;
The management and operation system includes:
When the payment information is received, a step of calculating a trust dividend to the token trader by subtracting from the rent a management fee to the manager of the rented property, a trust fee to the trustee, a fee to the investment manager, and principal and interest to the lender;
and transmitting various payment instructions to an external financial institution system to instruct the payment of a management fee to the administrator, a trustee's remuneration to the trustee, a remuneration to the investment manager, principal and interest to the lender, and the calculated trust dividend to the token trader . A computer program for controlling a computer device corresponding to a node included in a blockchain system related to a blockchain that records owned token information indicating the number of owned tokens for each investor, so that a financial institution system, which is an external system that performs processing related to payments based on payment instructions, performs processing related to the payment of dividends to investors,
The computer device is configured to, based on the fact that a notification of deposit of funds related to dividends from an external financial institution system is used as a trigger to trigger the activation of the notification of deposit of funds related to dividends from an external financial institution system,
A step of determining an amount of the deposited funds to be distributed to each contributor according to the owned token information recorded on the blockchain;
and transmitting a payment instruction to an external financial institution system instructing payment of an amount for each identified contributor.

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