Information processing device and information processing method

Abstract

To increase the evaluation reliability of a business operator by a user.SOLUTION: An information processing device 1 according to one embodiment comprises: a first acquisition unit 133 which acquire a specific token possessed on a first block chain by a business operator providing a user with an article or a service and indicative of a first evaluation of the business operator issued by the user; a second acquisition unit 134 which acquires user information on the user stored on a second block chain; and a determination unit 135 which determines a second evaluation of the business operator on the basis of the first evaluation indicated by the specific token of the business operator and the user information.SELECTED DRAWING: Figure 2

Description

[Technical field]

[0001] The present invention relates to an information processing device and an information processing method for processing information related to tokens managed on a blockchain. [Background technology]

[0002] Patent Document 1 describes a technique for ranking businesses such as restaurants by aggregating evaluation information posted by users about areas or genres that the users are fond of. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2007-193427 A Summary of the Invention [Problem to be solved by the invention]

[0004] Evaluations of businesses that users freely post on websites and other places are generally not guaranteed to be reliable, which means that they are difficult to use for strict purposes such as granting credit for loans or investments to businesses.

[0005] The present invention has been made in consideration of these points, and has an object to improve the reliability of users' evaluations of businesses. [Means for solving the problem]

[0006] The information processing device of the first aspect of the present invention has a first acquisition unit that acquires a token held by a business on a first blockchain, the token indicating a first evaluation of the business issued by a user to which the business provides goods or services; a second acquisition unit that acquires user information regarding the user; and a determination unit that determines a second evaluation of the business using at least one of the first evaluation indicated by the business's token, whether or not the user information includes information indicating that the user has a specific attribute, whether or not the user information includes information indicating that the user has been identified, and the user's transaction history of goods or services included in the user information.

[0007] The user information may include a token held by the user on a second blockchain, the token being issued by a given issuer and indicating characteristics of the user.

[0008] The token included in the user information may be a unique token that does not allow the holder of the token to be changed from the user to another person on the second blockchain.

[0009] The token representing the first reputation of the business may be a unique token that does not allow the holder of the token to be changed from the user to another person on the first blockchain.

[0010] The determination unit may reflect at least one of the specific attributes of the user in the second evaluation: gender, age, address, place of origin, occupation, membership, family composition, asset value, travel history, product purchase history, service contract history, group membership history, medical history, medication history, and allergy history.

[0011] The determination unit may determine the second evaluation based on whether the user information includes a token issued by a predetermined institution and indicating that the user has been authenticated.

[0012] The second acquisition unit may acquire the user information including data indicating the transaction history, which is a history of past transactions of goods or services between the user and the business operator.

[0013] The second acquisition unit may acquire the user information including data indicating the transaction history, which is a history of the user trading goods or services in the past between the user and a business entity different from the business entity.

[0014] The determination unit may determine the second evaluation using at least one of the number of transactions and the amount of transactions of the user in the transaction history.

[0015] The first evaluation may be an evaluation of the business operator input by the user on an information terminal.

[0016] The determination unit may determine the second rating by using a plurality of the first ratings by a plurality of the users and the user information of each of the plurality of users.

[0017] The determination unit may determine the second rating by weighting the first ratings by the multiple users using the user information of each of the multiple users. The information processing device may further include an output unit that outputs display information for displaying the second evaluation in association with the business on an information terminal used by a third party different from the business and the user. The determination unit may determine the creditworthiness of the business operator based on the second evaluation, and the information processing device may further include an output unit that outputs information indicating the creditworthiness of the business operator. The first acquisition unit may further acquire financial information of the business operator, and the decision unit may decide creditworthiness of the business operator based on the second evaluation and the financial information.

[0018] An information processing method of a second aspect of the present invention includes the steps of: acquiring a token held by a business on a first blockchain, the token indicating a first evaluation of the business issued by a user to which the business provides goods or services; acquiring user information about the user; and determining a second evaluation of the business using at least one of the first evaluation indicated by the business's token, whether or not the user information includes information indicating that the user has a specific attribute, whether or not the user information includes information indicating that the user has been identified, and transaction history, which is a history of the user's past transactions of goods or services with the business, included in the user information. Effect of the Invention

[0019] According to the present invention, it is possible to improve the reliability of user evaluations of businesses. [Brief description of the drawings]

[0020] [Figure 1] 1 is a schematic diagram of an information processing system according to an embodiment. [Diagram 2] 1 is a block diagram of an information processing system according to an embodiment. [Diagram 3] FIG. 2 is a schematic diagram for explaining a user token indicating characteristics of a user. [Figure 4] FIG. 13 is a schematic diagram for explaining an evaluation token indicating an individual evaluation of a business by a user. [Diagram 5] FIG. 11 is a schematic diagram for explaining a process in which an information processing device determines an evaluation of a business operator. [Figure 6] FIG. 1 is a flowchart illustrating an exemplary information processing method executed by an information processing device according to an embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0021] [Outline of Information Processing System S] 1 is a schematic diagram of an information processing system S according to this embodiment. The information processing system S includes an information processing device 1, a user terminal 2, and a business operator terminal 3. The information processing system S may also include other devices such as a server and a terminal.

[0022] The information processing device 1 is a computer that performs processing related to information stored on the blockchain. The blockchain is constructed in a storage unit of the information processing device 1 or in a storage unit of a device different from the information processing device 1. The blockchain may be constructed in the storage units of a plurality of devices, in which case the information processing device 1 may be any one of the plurality of devices.

[0023] Information stored on the blockchain includes, for example, a unique token that indicates the characteristics of the user or business owner who holds the unique token. The unique token is information that indicates the characteristics of the owner who holds the unique token, such as a SoulBound Token (SBT). The unique token is guaranteed to indicate the characteristics of the owner by not allowing the owner to be changed on the blockchain.

[0024] The characteristics of the user include, for example, the user's personal information, the user's behavior history, etc. The characteristics of the business include, for example, the user's evaluation, etc. In this embodiment, the unique token of the user held by the user is called a user token, and the unique token of the business held by the business is called an evaluation token.

[0025] The user token and the evaluation token are stored, for example, by a blockchain on one or more storage units on the network in association with user identification information (user ID: Identifier) ​​for identifying the user who is the holder, or business identification information (business ID) for identifying the business that is the holder. The blockchain includes multiple blocks of data, and each block includes one or more transactions indicating that the holder of the user token or evaluation token has been transferred. Each block in the blockchain includes a hash value generated according to a predetermined rule, and the accuracy of the entire blockchain is guaranteed by checking the consistency of the hash values ​​between blocks.

[0026] Furthermore, transaction data indicating transaction records, which are records of past transactions of goods or services by a user, is stored in the blockchain in the same manner as the user token. Alternatively, the transaction data may be associated with the user token and stored in a storage unit of the information processing device 1 or in a storage unit of a device different from the information processing device 1. In this case, the user token includes, for example, information for accessing the transaction data (such as a Uniform Resource Identifier (URI)).

[0027] In this embodiment, the assessment token is stored in a first blockchain, and the user token and the transaction data are stored in a second blockchain. The first blockchain and the second blockchain may be a single blockchain that stores the user token, the assessment token, and the transaction data.

[0028] The user terminal 2 is an information terminal used by a user. The business terminal 3 is an information terminal used by a business. A user is a person who holds a user token that indicates the characteristics of the user on the blockchain. A business is a person or organization that holds an evaluation token that indicates the evaluation of the business on the blockchain.

[0029] The user terminal 2 and the business operator terminal 3 are, for example, computers such as smartphones, tablet terminals, or personal computers. The user terminal 2 and the business operator terminal 3 have an operation unit such as a touch panel or a keyboard for accepting operations, and a display unit such as a liquid crystal display for displaying information. The user terminal 2 and the business operator terminal 3 can communicate with the information processing device 1 via a network.

[0030] An overview of the processing executed by the information processing system S according to this embodiment will be described below. The information processing device 1 issues an evaluation token, which is a unique token indicating an individual evaluation, which is an evaluation of a business by a user, to the first blockchain based on an operation by the user on the user terminal 2. The evaluation token is stored on the first blockchain with the business as the holder.

[0031] When determining an evaluation of an enterprise, the information processing device 1 acquires, from the first blockchain, one or more evaluation tokens that are issued by one or more users and that are held by the enterprise.

[0032] The information processing device 1 acquires user information on one or more users who have issued one or more evaluation tokens held by the business operator. The user information includes, for example, at least one of the following: a user token held by the user, stored on the second blockchain, and transaction data indicating a transaction record, which is a record of a user's past transactions of goods or services.

[0033] The information processing device 1 determines the evaluation of the business based on the relationship between the individual evaluation indicated by the business's evaluation token and the user information of the user who issued the evaluation token. The information processing device 1 determines the evaluation of the business by, for example, weighting the individual evaluation by the user characteristics indicated by the user token or the transaction performance indicated by the transaction data. The information processing device 1 determines the credit of the business (loanable amount, investment amount, etc.) based on the determined evaluation of the business. The information processing device 1 outputs information (rank, score, etc.) corresponding to at least one of the determined evaluation and credit of the business.

[0034] In this way, the information processing system S determines the evaluation of an enterprise based on the relationship between the evaluation of the enterprise managed on the blockchain and the user information of the user who made the evaluation. This allows the information processing system S to determine the evaluation of an enterprise by using the evaluation by the user publicly recorded on the blockchain and taking into consideration the reliability of the user, thereby improving the reliability of the evaluation of an enterprise by the user.

[0035] [Configuration of Information Processing System S] FIG. 2 is a block diagram of an information processing system S according to this embodiment. In FIG. 2, arrows indicate main data flows, and data flows other than those shown in FIG. 2 may exist. In FIG. 2, each block indicates a configuration in functional units, not a configuration in hardware (device) units. Therefore, the blocks shown in FIG. 2 may be implemented in a single device, or may be implemented separately in multiple devices. Data may be exchanged between blocks via any means, such as a data bus, a network, or a portable storage medium.

[0036] The information processing device 1 includes a communication unit 11, a storage unit 12, and a control unit 13. The information processing device 1 may be configured by connecting two or more physically separate devices by wire or wirelessly. The information processing device 1 may also be configured by a cloud that is a collection of computer resources.

[0037] The communication unit 11 has a communication controller for transmitting and receiving data to and from the user terminal 2 via the network. The communication unit 11 notifies the control unit 13 of data received from the user terminal 2 via the network. The communication unit 11 also transmits data output from the control unit 13 to the user terminal 2 via the network.

[0038] The storage unit 12 is a storage medium including a ROM (Read Only Memory), a RAM (Random Access Memory), a hard disk drive, etc. The storage unit 12 stores in advance a program to be executed by the control unit 13. The storage unit 12 may be provided outside the information processing device 1, in which case data may be exchanged between the storage unit 12 and the control unit 13 via a network.

[0039] The control unit 13 has a reception unit 131, a token management unit 132, a first acquisition unit 133, a second acquisition unit 134, a determination unit 135, and an output unit 136. The control unit 13 is a processor such as a CPU (Central Processing Unit), and functions as the reception unit 131, the token management unit 132, the first acquisition unit 133, the second acquisition unit 134, the determination unit 135, and the output unit 136 by executing a program stored in the storage unit 12.

[0040] Hereinafter, a detailed description will be given of the processing executed by the information processing system S. First, a description will be given of a user token, which is a unique token indicating the characteristics of a user. A user token is information indicating the characteristics of a user who possesses the user token.

[0041] The second blockchain prestores a user token indicating the characteristics of each user. The user characteristics include personal information of the user, such as gender, age, address, place of origin, occupation, membership, family structure, and assets. The user characteristics may also include a user's behavior history, such as a travel history, a product purchase history, a service contract history, and a group joining history. The user characteristics may also include medical information, such as a hospital visit history, a medication history, and an allergy history.

[0042] The user characteristics may also include information indicating that the user has been identified. Identification having been completed means, for example, that a specified institution has confirmed the identity of the user by having the user present a certificate such as a driver's license, a My Number card, or an insurance card. It is desirable that the issuer of a user token indicating that the user has been identified is the institution that has performed identity verification on the user.

[0043] FIG. 3 is a schematic diagram for explaining a user token indicating a user characteristic. A user token is, for example, information that associates an issuer of the user token with a type (also called an item) of a user characteristic and a content (also called a value) of the user characteristic. The user token may also include the issuance date and time of the user token. Each user holds one or more user tokens issued by one or more issuers on the second blockchain.

[0044] The issuer of the user token uses a specific information terminal to transmit a user token issuance request to the information processing device 1 or other device. The issuance request includes the type and content of the user's characteristics and the user ID of the user. The user's characteristics are set, for example, based on information (survey, etc.) input by the user to the user terminal 2, or information (contract information, etc.) provided by a business that manages user information. In response to the issuance request received from the issuer, the information processing device 1 or other device issues a user token indicating the user's characteristics to the second blockchain, with the user as the holder.

[0045] The information processing device 1 or another device transmits, for example, an issuance instruction to the second blockchain to issue a user token. Here, the user token is a token that associates issuer identification information (issuer ID) for identifying the issuer who made the issuance request with the type and content of the user's characteristics indicated by the issuance request. The issuance instruction is also an instruction to have the second blockchain issue the user token in association with the user ID (user ID of the user to be the holder) indicated by the issuance request. The second blockchain generates and stores the user token in association with the user ID according to the issuance instruction transmitted by the information processing device 1 or another device. As a result, the user token indicating the user's characteristics is stored in the second blockchain with the user as the holder.

[0046] A user token that indicates the characteristics of a certain user is stored in the second blockchain with that user as the holder. The user holds a user token that indicates the characteristics of that user on the second blockchain. In the second blockchain, it is not permitted to change the holder of a user token that indicates the characteristics of a certain user from that user to another person. In other words, the user token is non-transferable. This ensures that the user token indicates the characteristics of the user who holds it.

[0047] Next, a description will be given of the evaluation token, which is a unique token indicating an evaluation of an enterprise. The evaluation token is information indicating an individual evaluation (first evaluation), which is an evaluation by a user of the enterprise that holds the evaluation token.

[0048] FIG. 4 is a schematic diagram for explaining an evaluation token indicating an individual evaluation of a business by a user. The evaluation token is, for example, information that associates an issuer of the evaluation token, a type (also called an item) of the individual evaluation, and the content of the individual evaluation. The evaluation token may also include the issuance date and time of the evaluation token. Each business holds one or more evaluation tokens issued by one or more users on the first blockchain.

[0049] The user inputs an individual evaluation of a business on the user terminal 2. The individual evaluation is, for example, an evaluation (value such as a score, point, or number of stars) of one or more items (types) related to the business, such as customer service, taste of food, atmosphere, etc. The user terminal 2 transmits a request to issue an evaluation token for the business to the information processing device 1. The issuance request includes the individual evaluation of the business input by the user, the user ID of the user, and the business ID of the business.

[0050] In the information processing device 1, the reception unit 131 receives an issuance request transmitted by the user terminal 2. In response to the issuance request received by the reception unit 131, the token management unit 132 issues an evaluation token indicating an individual evaluation of an enterprise to the first blockchain, with the enterprise as the holder.

[0051] The token management unit 132 transmits an issuance instruction to the first blockchain to issue an evaluation token in which, for example, the user ID indicated by the issuance request is associated with the type and content of the individual evaluation of the business indicated by the issuance request, and the evaluation token is associated with the business ID indicated by the issuance request. Here, the evaluation token is a token in which the user ID indicated by the issuance request (user ID of the user who is the issuer) is associated with the type and content of the individual evaluation of the business indicated by the issuance request. The issuance instruction is an instruction to issue the evaluation token in which the business ID indicated by the issuance request (business ID of the business that is the holder) is associated with the evaluation token to the first blockchain. The first blockchain generates and stores the evaluation token in association with the business ID according to the issuance instruction transmitted by the information processing device 1. As a result, the evaluation token indicating the individual evaluation of the business by the user is stored in the first blockchain with the business as the holder and the user as the issuer.

[0052] Next, a process in which the information processing device 1 determines the evaluation of an operator will be described. FIG. 5 is a schematic diagram for explaining the process in which the information processing device 1 determines the evaluation of an operator. The information processing device 1 starts the process of determining the evaluation of an operator at a predetermined timing. The timing for starting the process of determining the evaluation of an operator is, for example, when a predetermined time such as one day, one week, or one month has elapsed, or when any user issues an evaluation token for the operator. When there are multiple operators, the information processing device 1 executes the subsequent process for any one of the multiple operators.

[0053] The first acquisition unit 133 acquires an evaluation token, which is a unique token indicating an individual evaluation of a business entity for which an evaluation is to be determined, from the first blockchain. The first acquisition unit 133 acquires, for example, one or more evaluation tokens associated with the business entity ID of the business entity on the first blockchain.

[0054] The second acquisition unit 134 acquires user information related to the user from the second blockchain. The second acquisition unit 134 acquires a user token, which is a unique token indicating the characteristics of the user, from the second blockchain as the user information. The second acquisition unit 134 acquires, for example, one or more user tokens associated with the user ID of the user on the second blockchain.

[0055] In addition, the second acquisition unit 134 acquires, as user information, transaction data indicating transaction results, which are results of the user's past transactions of goods or services, from the second blockchain. The transaction data indicates transaction results between the user and a business for which an evaluation is to be determined, or indicates transaction results between the user and a business other than the business for which an evaluation is to be determined. The second acquisition unit 134 acquires, for example, one or more pieces of transaction data associated with the user's user ID on the second blockchain. The second acquisition unit 134 may acquire only either the user token or the transaction data from the second blockchain.

[0056] The determination unit 135 determines an evaluation of the business operator (second evaluation) based on the relationship between the individual evaluation (first evaluation) indicated by the evaluation token acquired by the first acquisition unit 133 and the user information acquired by the second acquisition unit 134. The evaluation of the business operator is an evaluation determined by adjusting the individual evaluation of the business operator by one or more users according to the user information of the users (user characteristics, user token issuer, transaction history, etc.).

[0057] The determination unit 135 determines the evaluation of the business operator by, for example, weighting (prioritizing) a plurality of individual evaluations by a plurality of users using the user information of each of the plurality of users. For example, the determination unit 135 multiplies the value of the individual evaluation by the user corresponding to the user information satisfying a predetermined condition by a first weight (coefficient, etc.) (also called priority), multiplies the value of the individual evaluation by the user corresponding to the user information not satisfying the condition by a second weight smaller than the first weight, and calculates a statistical value (average value, median value, etc.) of the weighted individual evaluation values ​​as the evaluation of the business operator. This allows the information processing system S to determine the evaluation of the business operator while taking into consideration the reliability indicated by the user information of each of the plurality of users who performed the evaluation, thereby improving the reliability of the evaluation of the business operator.

[0058] The determination unit 135 determines the evaluation of the business operator by using, for example, whether the user information includes a specific user token (unique token). For example, the determination unit 135 increases the weight (priority) of an individual evaluation by a user when the user information of the user includes a specific user token compared to the weight of an individual evaluation by the user when the user information does not include the specific user token. In addition, the determination unit 135 may reflect the individual evaluation by the user in the evaluation of the business operator when the user information of the user includes a specific user token, and may not reflect the individual evaluation by the user in the evaluation of the business operator when the user information does not include the specific user token.

[0059] The specific user token is, for example, a user token issued by a specific institution that indicates that the user has been verified. This allows the information processing system S to preferentially reflect the evaluation by a user who has been verified on the blockchain as being highly reliable in the evaluation of the business operator.

[0060] A specific user token is, for example, a user token indicating that a user has a specific attribute (gender, age group, place of residence). This allows the information processing system S to preferentially reflect evaluations by users who have been shown on the blockchain to have a specific attribute as being highly reliable in the evaluation of a business operator.

[0061] Furthermore, when the user information includes both a user token indicating that the user has been identified and a user token indicating that the user has a specific attribute, the determination unit 135 may give a higher weight (priority) to the individual evaluation by the user than the weight of the individual evaluation by the user in other cases. This allows the information processing system S to give higher priority to the evaluation by a user who has been identified and has a specific attribute in the evaluation of the business operator.

[0062] Furthermore, the determination unit 135 may determine the evaluation of the business operator using, for example, at least one of the number of transactions and the amount of the user's transactions in the transaction history indicated by the transaction data. The determination unit 135 identifies at least one of the number of transactions and the amount of the transactions by aggregating the contents of each transaction indicated by the transaction history. For example, the determination unit 135 increases the weight of the individual evaluation by the user as the value of at least one of the number of transactions and the amount of the user's transactions increases, and decreases the weight of the individual evaluation by the user as the value of at least one of the number of transactions and the amount of the user's transactions decreases. Furthermore, the determination unit 135 may, for example, reflect the individual evaluation by the user in the evaluation of the business operator when the value of at least one of the number of transactions and the amount of the user's transactions is equal to or greater than a predetermined threshold, and may not reflect the individual evaluation by the user in the evaluation of the business operator when the value of at least one of the number of transactions and the amount of the user's transactions is not equal to or greater than a predetermined threshold.

[0063] The transaction history is, for example, the history of past transactions of goods or services between the user and the business entity for which the evaluation is to be determined. This allows the information processing system S to preferentially reflect, in the evaluation of the business entity, evaluations by users who have actual transaction history with the business entity for which the evaluation is to be determined, as being highly reliable.

[0064] The transaction history is, for example, the history of past transactions of goods or services between a user and a business operator other than the business operator for which the evaluation is to be determined. This allows the information processing system S to regard evaluations by users who have transaction history with businesses other than the business operator for which the evaluation is to be determined as objective evaluations and to preferentially reflect them in the evaluation of the business operator.

[0065] The output unit 136 outputs information indicating the evaluation of the business determined by the determination unit 135 to the business terminal 3 or an information terminal used by a third party different from the business and the user. The information indicating the evaluation of the business includes, for example, a rank in which a plurality of businesses (stores, etc.) are ranked according to the evaluation of the business.

[0066] The output unit 136 transmits, for example, display information for displaying the evaluation of the business determined by the determination unit 135 in association with the business to the business terminal 3 or an information terminal used by a third party. The business terminal 3 or the information terminal used by a third party displays the evaluation of the business determined by the determination unit 135 on a display unit in association with the business, according to the display information output by the information processing device 1. This allows the business or third party to easily understand the evaluation of the business determined in consideration of the reliability of the user who evaluated the business.

[0067] Next, a process in which the information processing device 1 determines the creditworthiness of a business operator will be described. The first acquisition unit 133 acquires financial information of the business operator. The financial information of the business operator is stored in advance in the storage unit 12 or the first blockchain. The financial information includes information on the financial status of the business operator, such as a balance sheet and a profit and loss statement.

[0068] The determination unit 135 determines the credit of the business operator based on the evaluation of the determined business operator and the financial information acquired by the first acquisition unit 133. The business operator's credit is, for example, the loanable amount or the investment amount. The determination unit 135 determines the credit of the business operator by, for example, applying the evaluation of the determined business operator and the financial information acquired by the first acquisition unit 133 to a table for determining credit from the evaluation and financial information of the business operator stored in advance in the storage unit 12.

[0069] The output unit 136 outputs information indicating the creditworthiness of the business determined by the determination unit 135 to the business terminal 3 or an information terminal used by a third party different from the business and the user. The information indicating the creditworthiness of the business includes, for example, a score related to the creditworthiness of the business (store, etc.) corresponding to the creditworthiness of the business.

[0070] The output unit 136 is not limited to the specific method shown here, and may output other information corresponding to at least one of the business operator's evaluation and creditworthiness.

[0071] The output unit 136 transmits, for example, display information for displaying the creditworthiness of the business determined by the determination unit 135 in association with the business on the business terminal 3 or an information terminal used by a third party. The business terminal 3 or the information terminal used by a third party displays the creditworthiness of the business determined by the determination unit 135 in association with the business on a display unit in accordance with the display information output by the information processing device 1. This allows the business or a third party to easily grasp the creditworthiness of the business corresponding to the business evaluation that reflects the reliability of the user who evaluated the business.

[0072] [Information processing method flow] 6 is a diagram showing a flowchart of an exemplary information processing method executed by the information processing device 1 according to this embodiment. The first acquisition unit 133 acquires, from the first blockchain, an evaluation token that is a unique token indicating an individual evaluation of a business entity for which an evaluation is to be determined (S11).

[0073] The second acquisition unit 134 acquires user information related to the user from the second blockchain (S12). The second acquisition unit 134 acquires, as the user information, a user token that is a unique token indicating the characteristics of the user from the second blockchain. In addition, the second acquisition unit 134 acquires, as the user information, transaction data indicating transaction history that is the history of the user trading goods or services in the past from the second blockchain.

[0074] The determination unit 135 determines the evaluation of the business operator based on the relationship between the individual evaluation indicated by the evaluation token acquired by the first acquisition unit 133 and the user information acquired by the second acquisition unit 134 (S13).

[0075] The first acquisition unit 133 acquires financial information of the business. The determination unit 135 determines the creditworthiness of the business based on the evaluation of the determined business and the financial information of the business acquired by the first acquisition unit 133 (S14).

[0076] The output unit 136 outputs information indicating the evaluation and creditworthiness of the business determined by the determination unit 135 to the business terminal 3 or an information terminal used by a third party different from the business and the user (S15).

[0077] [Effects of the embodiment] According to the information processing system S of this embodiment, the information processing device 1 determines the evaluation of an enterprise based on the relationship between the unique token indicating the evaluation of the enterprise managed on the blockchain and the user information of the user who made the evaluation managed on the blockchain. This allows the information processing system S to determine the evaluation of an enterprise by using the evaluation by the user publicly recorded on the blockchain while taking into consideration the reliability of the user, thereby improving the reliability of the evaluation of an enterprise by the user.

[0078] Furthermore, this invention will make it possible to contribute to Goal 9 of the United Nations' Sustainable Development Goals (SDGs), which is to "build resilient infrastructure, promote industry, innovation and infrastructure."

[0079] Although the present invention has been described above using the embodiments, the technical scope of the present invention is not limited to the scope described in the above embodiments, and various modifications and changes are possible within the scope of the gist of the present invention. For example, all or part of the device can be configured by distributing or integrating functionally or physically in any unit. In addition, new embodiments resulting from any combination of multiple embodiments are also included in the embodiments of the present invention. The effect of the new embodiment resulting from the combination combines the effect of the original embodiment. [Explanation of symbols]

[0080] S Information Processing System 1. Information processing device 11 Communications Department 12 Storage section 13 Control section 131 Reception 132 Token Management Unit 133 First acquisition part 134 Second Acquisition Department 135 Decision Section 136 Output section 2. User terminal 3. Operator terminal

Claims

1. A first acquisition unit that acquires tokens held by a business on a first blockchain, the tokens indicating a first evaluation of the business issued by a user to which the business provides goods or services; A second acquisition unit that acquires user information related to the user; A determination unit that determines a second evaluation of the business using at least one of the first evaluation indicated by the token of the business, whether the user information includes information indicating that the user has a specific attribute, whether the user information includes information indicating that the user has been identified, and a transaction history of goods or services by the user included in the user information; An information processing device having the above configuration.

2. The user information includes a token held by the user on a second blockchain, the token being issued by a predetermined issuer and indicating characteristics of the user; The information processing device according to claim 1 .

3. The token included in the user information is a unique token that does not allow the holder of the token to be changed from the user to another person on the second blockchain. The information processing device according to claim 2 .

4. The token indicating the first reputation of the business is a unique token that does not allow the holder of the token to be changed from the user to another person on the first blockchain. The information processing device according to claim 1 .

5. The determination unit reflects, as the specific attribute, at least one of the user's gender, age, address, place of origin, occupation, membership, family structure, asset amount, travel history, product purchase history, service contract history, group membership history, hospital visit history, medication history, and allergy history in the second evaluation. The information processing device according to claim 1 .

6. The determination unit determines the second evaluation by using whether the user information includes a token issued by a predetermined institution and indicating that the user has been authenticated. The information processing device according to claim 1 .

7. The second acquisition unit acquires the user information including data indicating a transaction history, which is a history of the user trading goods or services with the business operator in the past. The information processing device according to claim 1 .

8. The second acquisition unit acquires the user information including data indicating a transaction history, which is a history of the user trading goods or services with a business entity different from the business entity in the past. The information processing device according to claim 1 .

9. The determination unit determines the second evaluation using at least one of the number of transactions and the amount of transactions of the user in the transaction history. The information processing device according to claim 1 .

10. The first evaluation is an evaluation of the business operator input by the user on an information terminal. The information processing device according to claim 1 .

11. The determination unit determines the second evaluation by using a plurality of the first evaluations by a plurality of the users and the user information of each of the plurality of the users. The information processing device according to claim 1 .

12. The determination unit determines the second evaluation by weighting the first evaluations by the multiple users using the user information of each of the multiple users. The information processing device according to claim 11.

13. an output unit that outputs display information for displaying the second evaluation in association with the business on an information terminal used by a third party different from the business and the user; The information processing device according to claim 1 .

14. The determination unit determines creditworthiness of the business operator based on the second evaluation, An output unit that outputs information indicating the creditworthiness of the business operator, The information processing device according to claim 1 .

15. The first acquisition unit further acquires financial information of the business operator, The determination unit determines creditworthiness of the business operator based on the second evaluation and the financial information. The information processing device according to claim 14.

16. The processor executes obtaining a token held by a business on a first blockchain, the token indicating a first evaluation of the business issued by a user to which the business provides goods or services; obtaining user information relating to the user; determining a second evaluation of the business using at least one of the first evaluation indicated by the token of the business, whether the user information includes information indicating that the user has a specific attribute, whether the user information includes information indicating that the user has been identified, and a transaction history, which is a history of the user trading goods or services with the business in the past, included in the user information; An information processing method comprising the steps of:

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