JP7795974B2 - Fund use investigation device and fund use investigation method - Google Patents

Description

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

In recent years, fundraising through green finance and green bonds has been attracting attention.
In such fundraising, the use of funds is described as green-related during various procedures such as applications and in disclosure reports, but there are many cases where the funds are actually used for different purposes.
The cases described above are violations of the intended use of the product and are known as greenwashing. The following two cases are examples of this greenwashing.

One is a case where a certain fundraiser raises green funds from multiple financial institutions for the same project, and uses the surplus of the total amount of green funds obtained for a different purpose, i.e., a purpose unrelated to green funds.

To give a more specific example, suppose a certain purchaser raises a total of 100 million yen, 50 million yen each from Bank X and Bank Y, as green loans for the "purchase of 50 million yen of CO2 capture equipment." In this case, if the purchaser uses the remaining 50 million yen, other than the 50 million yen required for the actual purchase of the equipment, for purposes other than those related to green financing, this becomes a case of greenwashing.

Another example is when a fundraiser diverts green funds to another company. For example, if a fundraiser raises 100 million yen from Bank X as "funds for implementing Green Project A," and then uses a portion of that 100 million yen (e.g., 10 million yen) to pay fees for unspecified consulting work by another company, this constitutes a greenwashing case.

Therefore, conventional technologies have been proposed to monitor and verify whether funds are being used in accordance with the original purpose, such as a transaction tracking system (see Patent Literature 1) that uses distributed ledger technology to track the transfer route of goods involved in commercial transactions.

This technology relates to a transaction tracking system that tracks the transaction history of a commodity in a commercial transaction using a distributed ledger that includes multiple transaction data associated with the transaction, the transaction tracking system comprising: generation means for generating the transaction data; storage means for storing each of the transaction data; branch information assignment means for assigning a data structure that includes branch information between the multiple transaction data stored in the storage means when the generation means generates the transaction data; and a database for storing the branch information, wherein the transaction data includes first transaction data that is generated when the commercial transaction begins as a starting point, and second transaction data that is generated over the course of a series of commercial transactions that repeatedly transfer the commodity; the database stores the first transaction data that corresponds to the starting point of the branch information in association with the branch information, and comprises history reading means for accessing the database to read the branch information from the second transaction data.

Japanese Patent Application Laid-Open No. 2021-96569

By utilizing the so-called digital currency payment technology shown in the prior art, payment information, including information on the parties involved in the payment, can be digitized and traced. This technology makes it possible to confirm to whom green funds loaned by banks have been paid by the recipient of the loan.
Therefore, in the case of "raising green funds for the same project from multiple financial institutions" as described above, if the loan funds are used only for clearly green-related projects and companies, it is possible to verify whether or not there is greenwashing, as intended.

On the other hand, there are many cases where loan funds obtained for green projects are also used for purposes that are necessary for the implementation of the project but are not superficially considered to be green-related, such as purchasing land for the installation of green facilities, or for personnel costs and equipment required for the construction and operation of the facilities.

If conventional technology is applied to such cases, as mentioned above, even payment information relating to expenses that are certainly necessary for the implementation of a green project will be judged to be suspected of greenwashing.

Furthermore, even if conventional technology is applied to cases of "misappropriation of green funds to another company," it is highly likely that it will not be possible to determine whether loan funds related to green projects were used for the purpose of misappropriation.

For example, if a company receiving loan funds for a green project pays for goods or services with cash rather than digital currency, information indicating whether the payment is for a green project or not will not be managed, meaning that the flow and purpose of the payment cannot be traced.

To deal with the situation described above, manual efforts are required to track and verify the flow of funds for each case. However, the number of cases and the associated payment information for each business can be large and frequent, making it difficult to fit the required man-hours into a realistic response.

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

The fund use investigation device of the present invention, which solves the above-mentioned problems, is characterized by including a storage device that stores the distribution history of digital currency issued in relation to a green project, a processing device that extracts information on the cash-out process of the digital currency among participants in the green project from the distribution history and calculates the cash-out rate of the digital currency for each of the participants, and a processing device that outputs information on participants whose cash-out rate exceeds a standard as information on the risk of the digital currency being used for an unintended purpose.
Furthermore, the method for investigating the use of funds of the present invention is characterized in that an information processing device stores in a storage device the distribution history of digital currency issued in relation to a green project, extracts information on the cashing-out process of the digital currency among participants in the green project from the distribution history, calculates the cashing-out rate of the digital currency among each of the participants, and outputs information on participants whose cashing-out rate exceeds a standard as information on the risk of the digital currency being used for an unintended purpose.

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

1 is a diagram illustrating a network configuration including a fund use investigation device according to an embodiment of the present invention. FIG. 2 is a diagram illustrating an example of a hardware configuration of a fund use investigation device according to the present embodiment. FIG. 2 is a diagram illustrating an example of a hardware configuration of a corporate system according to the present embodiment. FIG. 10 is a diagram illustrating an example of the configuration of a DC issuance history DB according to the present embodiment. FIG. 10 is a diagram illustrating an example of the configuration of a DC payment history DB according to this embodiment. FIG. 2 is a diagram illustrating an example of the configuration of a cashing history DB according to the present embodiment. A diagram showing an example of the configuration of a loan purpose/DC correspondence DB in this embodiment. FIG. 10 is a diagram showing an example of the configuration of a fund use table according to the present embodiment. FIG. 1 is a diagram showing an example of the flow of a fund use investigation method according to the present embodiment. FIG. 10 is a diagram showing an example of a counting result in the present embodiment. FIG. 10 is a diagram showing an example of a counting result in the present embodiment. FIG. 10 is a diagram showing an example of a counting result in the present embodiment. FIG. 10 is a diagram showing an example of a counting result in the present embodiment. FIG. 10 is a diagram showing an example of a counting result in the present embodiment. FIG. 10 is a diagram showing an example of a counting result in the present embodiment. FIG. 10 is a diagram showing an example of a determination result in the present embodiment.

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

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

The fund use investigation device 100 of this embodiment is assumed to be a system of a financial institution that handles the issuance and cashing of digital currency, i.e., a system of an operator that cooperates with the financial institution system 300, but it may also be a system operated by such a financial institution itself, but of course it is not limited to this form.

On the other hand, the corporate system 200 receives digital currency issued by the above-mentioned financial institution system 300 (or the fund use investigation device 100) under the pretext of loans for green projects, and uses the money to procure supplies, services, personnel, etc., required for the implementation of the green projects.
<Hardware configuration>
The hardware configuration of the fund use investigation device 100 of this embodiment is as shown in FIG.

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

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

Memory 103 is also composed of volatile memory elements such as RAM.

The arithmetic unit 104 also reads the program 102 stored in the storage unit 101 from the memory 10.
3 and executes it to perform overall control of the device itself, as well as various judgments, calculations and control processes.

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

The communication device 105 is assumed to be a network interface card or the like that is connected to the network 1 and handles communication processing with the enterprise system 200 .

The fund use investigation device 100 may further include an input device that accepts key input or voice input from an administrator or the like, and an output device such as a display that displays processed data.

In addition to the program 102 for implementing the functions required for the fund use investigation device of this embodiment, the storage device 101 also includes a DC issuance history DB 125 and a DC settlement history DB 126.
, a cash conversion history DB 127, a loan purpose/DC correspondence DB 128, and a settlement purpose table 129
However, details of these databases and tables will be described later.

The hardware configuration of the enterprise system 200 of this embodiment is as shown in FIG.

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

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

In addition, memory 203 is composed of a volatile memory element such as RAM.

The arithmetic unit 204 also reads the program 202 stored in the storage unit 201 from the memory 20
3 and executes it to perform overall control of the device itself, as well as various judgments, calculations and control processes.

By executing the program 202 by the computing device 204, the DC settlement unit 210 and
This will implement functions such as a C cash conversion unit 211.

The communication device 205 is assumed to be a network interface card or the like that is connected to the network 1 and is responsible for communication processing with the fund use investigation device 100 .

The enterprise system 200 may further include an input device that accepts key input or voice input from a user, etc., and an output device such as a display that displays processed data.

The storage device 201 also stores at least held DC information 225 in addition to a program 202 for implementing functions required for the enterprise system 200 of this embodiment. However, details of the held DC information 225 will be described later.
<Data structure example>
Next, a description will be given of various types of information used by the fund use investigation device 100 of this embodiment. Fig. 4 shows an example of the DC issuance history DB 125 in this embodiment.

The DC issuance history DB 125 of this embodiment stores information on digital currency (DC) issued by the financial institution system 300 to a company involved in a green project in association with a loan for the green project, in the fund use investigation device 1.
00 is the acquired and stored table.

Regarding the basic technology for collecting and managing information on the circulation of digital currencies,
Existing blockchain technology will be adopted as appropriate (details will be omitted).
This DC issuance history DB125 is a collection of records that link data such as a remitter indicating the financial institution that is the lender of the digital currency, a remitter indicating the company that received a loan for a green project from the financial institution, and an amount indicating the loan amount, using an issuance ID that uniquely indicates the opportunity for issuance of digital currency (which can also be considered identification information for a loan project for a green project) as a key.

5 is a diagram showing an example of the configuration of the DC payment history DB 126 of this embodiment. The DC payment history DB 126 of this embodiment stores history information tracing the use of digital currency issued by the financial institution that is the remitter, starting from the company that is the remitter (loan recipient), for what purpose of payment.

This DC settlement history DB 126 is a collection of records in which values such as remittance source, remittance destination, settlement purpose, amount, and issue ID are associated with a settlement ID as a key. Note that the figure shows an example of "green equipment" as a value in the settlement purpose column, but this value is obtained by checking the specific attributes of the equipment against the fund use table 129 (FIG. 8) described later.

In addition, companies that receive loans in digital currency from financial institutions and their business partners will use the DC settlement unit 210 of their own corporate system 200 to make payments for the procurement of items necessary for the implementation of green projects.

6 is a diagram showing an example of the configuration of the cashing history DB 127 of this embodiment. The cashing history DB 127 of this embodiment records the digital currency that a "recipient" company included in the record of the DC settlement history DB 126 has received from a "remitter" company in the financial institution system 300.
It stores the history of requests and cash conversions.

Enterprises seeking to cash out will refer to the held DC information 225 in their enterprise system 200 to determine whether to cash out a portion or all of it. In this case, the DC cashing unit 211 of the enterprise system 200 will receive instructions from the enterprise personnel or the like and transmit the designated academic digital currency to the financial institution system 300 to undergo the prescribed cashing procedures.

This cashing history DB 127 is a collection of records in which the amount cashed by a company is associated with the "withdrawal source" that indicates the company that performed the cashing, as a key.

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

This loan purpose/DC correspondence DB 128 uses the loan ID as a key to store the loan purpose and the issuance ID.
The issuing ID is a collection of records linked to the DC shown in FIG.
This corresponds to the value in the issue ID column in the issue history DB 125 .

8 is a diagram showing an example of the configuration of the payment purpose table 129 of this embodiment. The payment purpose table 129 of this embodiment is a table that specifies whether the purpose of digital currency issued in a financing case for a green project such as the one described above belongs to the green category.

This fund use table 129 is a collection of records that use payment use as a key and link the value of the green category applicability of the payment use. In the example of Figure 8, specific types of green equipment and green parts are specified as examples of payment use, and general equipment and general parts are specified as other.
<Flow example>
The actual procedure for the fund use investigation method according to this embodiment will be described below with reference to the drawings.
The various operations corresponding to the fund use investigation method described below are realized by a program that is read into a memory or the like and executed by the fund use investigation device 100. The program
It consists of code to perform various operations as described below.

FIG. 9 is a diagram showing an example of the flow of the fund use investigation method in this embodiment.
The DC usage record collection unit 110 of the fund use investigation device 100 collects the DC usage record stored in the storage device 101.
The data of each company in each DB is extracted by referring to each record of the C issuance history DB 125, DC settlement history DB 126, cashing history DB 127, and loan purpose/DC correspondence DB 128 (s1).

Next, the fraud risk candidate extraction unit 111 of the fund use investigation device 100 compiles the data obtained for each company in the above-mentioned step s1 into categories of companies that have received loans in digital currency from financial institutions for green projects, i.e., borrower companies, and companies that have received orders from these borrower companies and provided goods or services, i.e., trading partner companies (s5).

In this embodiment, an example of the tabulation results for borrower companies is shown in FIG. 10, and an example of the tabulation results for client companies is shown in FIG.

The tabulation results shown in FIG. 10 are based on DC payment information and are divided into green use DC, green use analogy DC, non-green use DC, and cash conversion perspectives, and the green DC payment destination of the company.
This table aggregates data from the perspective of green DC payment destinations and non-green DC payment destinations.

Of these, "Green Usage DC" is the total value obtained by aggregating the total amount of digital currency used to pay for items for green purposes (those for which the payment purpose is green equipment or green parts in DC payment history DB126 in Figure 5) from the digital currency (the amount shown in the records of DC issuance history DB125 in Figure 4) that the borrowing company obtained through loans from financial institutions.

In addition, "green use analogy DC" refers to the digital currency (amount shown in the record of DC issuance history DB125 in FIG. 4) that the borrower company has obtained through loans from financial institutions, for non-green purposes (for which the payment purposes are general equipment, general parts, and land in DC payment history DB126 in FIG. 5).
However, this is the total amount of digital currency used to pay for purchases of green goods using a different issuing ID and the same loan ID data.

In addition, "non-green use DC" is the aggregate value of the digital currency obtained through loans from financial institutions (the amount shown in the record of DC issuance history DB125 in Figure 4), excluding the above-mentioned "green use DC" and "green use analogy DC."

Note that "cashing" refers to the aggregated value of the cashing amount in the cashing history DB127.

The tabulation results shown in FIG. 11 are based on the DC settlement information regarding the above-mentioned trading partners.
This is a table in which data is aggregated in terms of C receipt information, DC payment information, and the number of associated loan IDs.

The DC receipt information is a summary of the amount of digital currency received as payment from borrowers and other business partners, based on green use, green analogy, and non-green aspects. The concept of this summary is the same as in the example of Figure 10.

In addition, the DC payment information is a summary of the payment amount made by the trading partner to further trading partners (so-called Nth subcontractors) from the perspectives of green use, non-green use, and cash conversion.

The number of related loan IDs is a count of the number of transactions in which the trading partner company was involved, i.e., the number of payments made in connection with orders placed or received in relation to green projects.

Here, the fraud risk candidate extraction unit 111 of the fund use investigation device 100 performs the following steps as shown in FIGS. 10 and 11.
Based on the counting results shown in (a), the cash conversion ratio of digital currency is calculated for each of the borrower company and the trading partner company, and it is determined whether the value (see FIG. 12) exceeds a predetermined standard (s10
).

The cash conversion ratio is calculated by, for example, calculating the percentage of the value of "cashing" out of the total value of "green use DC,""green use analogy DC,""non-green use DC," and "cashing."

If the result of the above determination is that the cash conversion ratio is above the standard (s10: YES), the fraud risk candidate extraction unit 111 of the fund use investigation device 100 determines whether the company is a borrower company or a trading partner company (s11).

If, as a result of this determination, the company in question is a borrower company (s11: borrower), the fraud risk candidate extraction unit 111 of the fund use investigation device 100 determines that the borrower company is a company with a high risk of using digital currency for purposes other than those intended (s12), and the result output unit 112 then outputs the information and ends the processing.

On the other hand, if the result of the above determination is that the company is a business partner company (s11: business partner), the fraud risk candidate extraction unit 111 of the fund use investigation device 100 determines whether the number of counterparty companies (transaction target companies) with which the business partner company has conducted transactions using digital currency is equal to or greater than a threshold (
s13).

In making this determination, the fraud risk candidate extraction unit 111 of the fund use investigation device 100 refers to the “number of related loan IDs” in FIG. 11 for each client company, and calculates the number by using the “
The value of "Number of DC settlement transactions" is compared with the reference value.

In addition, this reference value is determined by separately obtaining information on the industry of each trading partner company (for example, assuming that each record of the DC settlement history contains industry information on the company to which the remittance is made), calculating the average number of trading partners in each industry, and using this average number as the reference value.

If the result of the above determination is that the number of companies to be traded is less than the standard (s13: YES), the fraud risk candidate extraction unit 111 of the fund use investigation device 100 determines that the trading partner company is a company with a high risk of using digital currency for an unintended purpose (s14), and in response to this, the result output unit 112
outputs the information and ends the process.

On the other hand, if the result of the above determination is that the number of companies to be traded is equal to or greater than the threshold (s13: NO),
The fraud risk candidate extraction unit 111 of the fund use investigation device 100 determines that the counterparty company is a company with a medium risk of using digital currency for purposes other than those intended (s15), and the result output unit 112 then outputs the information and ends the processing.

On the other hand, if the result of the determination in s10 is that the cash conversion ratio is smaller than the standard (s
10: NO), the fraud risk candidate extraction unit 111 of the fund use investigation device 100 calculates the proportion of the uses of each payment funded by digital currency for the company that do not match the items in the predetermined green category (see FIG. 15), and determines whether the proportion exceeds a standard (s1
6) This determination is also made for the borrower company (see FIG. 16).

If the result of the above-mentioned determination is that the proportion of the uses of each payment funded by digital currency that do not match the items in the predetermined green category does not exceed the standard (s16: NO), the fraud risk candidate extraction unit 111 of the fund use investigation device 100 determines that the counterparty company is a company with a low risk of using digital currency for an unintended purpose (s18), and in response to this, the result output unit 112
outputs the information and ends the process.

On the other hand, if the result of the above-mentioned judgment shows that the proportion of the uses of each payment funded by digital currency that do not match the items in the predetermined green category exceeds the standard (s16: YES), the fraud risk candidate extraction unit 111 of the fund use investigation device 100 judges the trading partner company to be a company with a medium risk of using digital currency for purposes other than those intended (s17), and the result output unit 112 outputs the information and ends the processing.

The result evaluation unit 118 of the fund use investigation device 100 may generate a table (table 16000 in FIG. 16) that summarizes the judgment results obtained in the flow up to this point, and output this.

The best mode for carrying out the present invention has been specifically described above, but the present invention is not limited to this and can be modified in various ways without departing from the spirit of the present invention.

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

The description of this specification makes at least the following clear: That is, in the fund use investigation device of this embodiment, the arithmetic device may further execute a process of extracting, from the distribution history, information on borrower companies that have been issued the digital currency and counterparty companies that have conducted transactions with the borrower companies, and calculating the number of borrower companies or other counterparty companies that are transaction target companies that have conducted transactions using the digital currency for each of the counterparty companies, and a process of outputting, as information on the risk of the digital currency being used for an unintended purpose, information on counterparty companies that are participants whose cash conversion rate exceeds a standard and whose calculated number of transaction target companies is below the standard.

This will enable companies that have few transactions with companies that use digital currencies for payments, i.e., companies that tend to use payment methods that are difficult to trace, such as cash, to be identified as being at high risk of misuse of digital currencies. This will ultimately enable more efficient and accurate tracing of the flow of funds related to green projects, making it possible to prevent greenwashing with appropriate precision.

In addition, in the fund use investigation device of this embodiment, the calculation device may extract information on the industry of each of the trading partner companies from the distribution history, calculate the average number of trading target companies among the trading partner companies belonging to each industry, and use this average number as the standard for the number of trading target companies.

This will enable the establishment of standards for the number of transactions with companies that use digital currencies for payments, taking into account the specific circumstances of each industry, etc. This will ultimately enable more efficient and accurate tracing of the flow of funds related to green projects, and enable the prevention of greenwashing with appropriate precision.

In addition, in the fund use investigation device of this embodiment, the calculation device may further perform a process of extracting information about counterparty companies that have conducted transactions with the borrower company that has been issued the digital currency from the distribution history, referring to the distribution history for the usage status of the digital currency obtained as payment from the borrower company at each of the counterparty companies, calculating the proportion of the uses of each payment using the digital currency as funds indicated by the usage status that do not match items in a predetermined green category, and outputting information about counterparty companies that are not participants whose cash conversion rate exceeds the standard and whose proportion exceeds the standard as information on the risk of the digital currency being used for an unintended purpose.

This makes it possible to accurately identify companies that are inappropriate as business partners (business partners from the perspective of the borrowing company) to use funds for green projects, i.e., companies that tend to use funds for things outside the green category. As a result, it becomes possible to more efficiently and accurately trace the flow of funds related to green projects and prevent greenwashing with appropriate precision.

Furthermore, in the fund use investigation device of this embodiment, the calculation device may further perform a process of extracting information about borrower companies that have been issued the digital currency from the distribution history, referring to the distribution history for the usage status of the digital currency at each borrower company, and calculating the proportion of the uses of each payment funded by the digital currency indicated by the usage status that do not match items in a predetermined green category, and a process of outputting information about borrower companies that are not participants whose cash conversion rate exceeds a standard and whose proportion exceeds the standard as information on the risk of the digital currency being used for an unintended purpose.

This makes it possible to accurately identify borrower companies that tend to use funds for things outside the green category.
This allows for more efficient and accurate tracing, and prevents greenwashing with appropriate precision.

Furthermore, in the method for investigating the use of funds of this embodiment, the information processing device may further perform a process of extracting information on the borrower companies that received the digital currency and the counterparty companies that conducted transactions with the borrower companies from the distribution history, calculating the number of borrower companies or other counterparty companies that are trading partners that conducted transactions using the digital currency for each of the counterparty companies, and outputting information on counterparty companies that are participants whose cash conversion rate exceeds a standard and whose calculated number of trading partners is below the standard as information on the risk of the digital currency being used for an unintended purpose.

Furthermore, in the fund use investigation method of this embodiment, the information processing device may extract information on the industry of each of the trading partner companies from the distribution history, calculate the average number of trading target companies among the trading partner companies belonging to each industry, and use this average number as the standard for the number of trading target companies.

In addition, in the method for investigating the use of funds of this embodiment, the information processing device may further perform a process of extracting from the distribution history information on counterparty companies that have conducted transactions with the borrower company that has been issued the digital currency, referring to the distribution history to see how each counterparty company has used the digital currency obtained through payments from the borrower company, and calculating the proportion of the uses of each payment using the digital currency as funds indicated by the usage status that do not match items in a predetermined green category, and a process of outputting information on counterparty companies that are not participants whose cash conversion rate exceeds the standard and whose proportion exceeds the standard as information on the risk of the digital currency being used for an unintended purpose.

Furthermore, in the method for investigating the use of funds of this embodiment, the information processing device may further perform a process of extracting information about borrower companies that have been issued the digital currency from the distribution history, referring to the distribution history for the usage status of the digital currency at each of the borrower companies, calculating the proportion of the uses of each payment funded by the digital currency indicated by the usage status that do not match items in a predetermined green category, and outputting information about borrower companies that are not participants whose cash conversion rate exceeds the standard and whose proportion exceeds the standard as information on the risk of the digital currency being used for an unintended purpose.

1 Network 10 Fund use investigation system 100 Fund use investigation device 101 Storage device 102 Program 103 Memory 104 Computing device 105 Communication device 110 DC usage record collection unit 111 Fraud risk candidate detection unit 112 Result output unit 125 DC issuance history DB
126 DC settlement history DB
127 Cashing history DB
128 Loan Purpose/DC Compatible DB
129 Fund use table 200 Corporate system 201 Storage device 202 Program 203 Memory 204 Arithmetic unit 205 Communication device 210 DC settlement unit 211 DC cashing unit 225 Held DC information 300 Financial institution system

Claims (10)

A storage device that stores the distribution history of digital currency issued for green projects;
a computing device that executes a process of extracting the settlement history of the digital currency among the participants of the green project from the distribution history and calculating the cash conversion rate of the digital currency among each of the participants, and a process of outputting information about the participants whose cash conversion rate exceeds a standard as information about the risk of the digital currency being used for an unintended purpose;
Including,
The circulation history includes an issuance history and the payment history,
The issuance history is:
The digital currency includes information on the borrower company that has received the digital currency and the amount of the digital currency issued;
The settlement history is
The information includes information about the participants, including the borrower company and a trading partner company that has conducted a transaction with the borrower company, a first amount of the digital currency received by the participant, and a second amount of the first amount that the participant has converted into cash;
The cash conversion rate is
indicating a ratio of the second amount to the first amount;
A fund use investigation device characterized by: The computing device
The system further executes a process of extracting information on the borrower companies and the counterparty companies from the distribution history, calculating the number of borrower companies or other counterparty companies that are trading partners with which the digital currency has been traded for each of the counterparty companies, and outputting information on the counterparty companies that are the participants with a cash conversion rate exceeding a standard and whose calculated number of trading partners is below the standard as information on the risk of the digital currency being used for an unintended purpose.
2. The fund use investigation device according to claim 1. The computing device
The fund use investigation device according to claim 2, characterized in that it extracts information on the industry of each of the trading partner companies from the distribution history, calculates the average number of trading target companies among the trading partner companies belonging to each industry, and uses this average number as the standard for the number of trading target companies. The computing device
The system further executes a process of extracting information about the trading partner companies from the distribution history, referring to the distribution history for the usage status of the digital currency obtained through payments from the borrower companies at each of the trading partner companies, calculating the percentage of the uses of the digital currency indicated by the usage status that do not match items in a predetermined green category, and outputting information about trading partner companies that are not the participants whose cash conversion rate exceeds a standard and whose percentage exceeds the standard as information about the risk of the digital currency being used for an unintended purpose.
2. The fund use investigation device according to claim 1. The computing device
The system further executes a process of extracting information about the borrower companies from the distribution history, referencing the usage status of the digital currency at each of the borrower companies in the distribution history, and calculating the percentage of the uses of each payment funded by the digital currency indicated by the usage status that do not match items in a predetermined green category, and a process of outputting information about the borrower companies whose ratios exceed the standard and are not the participants whose cash conversion rates exceed the standard as information about the risk of the digital currency being used for an unintended purpose.
2. The fund use investigation device according to claim 1. The information processing device
A storage device stores a distribution history of digital currency issued for green projects;
extracting the settlement history of the digital currency among the participants in the green project from the distribution history, and executing a process of calculating the cash conversion rate of the digital currency among each of the participants, and a process of outputting information on the participants whose cash conversion rate exceeds a standard as information on the risk of the digital currency being used for an unintended purpose ;
The circulation history includes an issuance history and the payment history,
The issuance history is:
The digital currency includes information on the borrower company that has received the digital currency and the amount of the digital currency issued;
The settlement history is
The information includes information about the participants, including the borrower company and a trading partner company that has conducted a transaction with the borrower company, a first amount of the digital currency received by the participants, and a second amount of the first amount that has been converted into cash;
The cash conversion rate is
indicating a ratio of the second amount to the first amount;
A method for investigating the use of funds. The information processing device,
extracting information on the borrower companies and the counterparty companies from the distribution history, and calculating the number of borrower companies or other counterparty companies that are trading partners with which the digital currency has been traded for each of the counterparty companies; and outputting information on the counterparty companies that are the participants with a cash conversion rate exceeding a standard and whose calculated number of trading partners is below the standard as information on the risk of the digital currency being used for an unintended purpose.
7. The method for investigating the use of funds according to claim 6. The information processing device,
extracting information on the industry of each of the trading partner companies from the distribution history, calculating the average number of trading partner companies among the trading partner companies belonging to each industry, and setting the average number as the criterion for the number of trading partner companies;
8. The method for investigating the use of funds according to claim 7. The information processing device,
extracting information about the counterparty companies from the distribution history, referencing the distribution history to determine how each of the counterparty companies has used the digital currency obtained through payments from the borrower companies, and calculating the percentage of the uses of the digital currency for each payment that does not match items in a predetermined green category, and outputting information about the counterparty companies that are not the participants whose cash conversion rate exceeds a standard and whose percentage exceeds the standard as information about the risk of the digital currency being used for an unintended purpose;
7. The method for investigating the use of funds according to claim 6. The information processing device,
extracting information about the borrower companies from the distribution history, referencing the usage status of the digital currency at each of the borrower companies in the distribution history, and calculating the percentage of the uses of the digital currency for each payment funded by the digital currency indicated by the usage status that does not match items in a predetermined green category; and outputting information about the borrower companies whose cash conversion rate exceeds a standard, are not the participants , and whose percentage exceeds the standard, as information about the risk of the digital currency being used for an unintended purpose.
7. The method for investigating the use of funds according to claim 6.