Information processing method and program

Abstract

To improve the accuracy of household budget management.SOLUTION: A funds transfer contract implemented on a funds transfer token is distributed to each payment management token on the basis of a priority in which funds stored in an income management token existing at arrived funds transfer timing are set in each payment management token existing at the arrived funds transfer timing and a storage amount already stored in each payment management token and a payment amount with arrival of the funds transfer timing as an opportunity. The payment management contract implemented on the payment management token transfers funds corresponding to the payment amount in the funds stored in the payment management token to a payee with arrival of a due date for payment of the payment management token as an opportunity.SELECTED DRAWING: Figure 2

Description

[Technical field]

[0001] The present invention relates to an information processing method and program, and in particular to a technique for managing household finances. [Background technology]

[0002] Various techniques have been proposed for managing household finances, such as household income and expenditures, etc. For example, Patent Document 1 discloses a technique for grasping the entire income and expenditure and performing a simulation in the event of expenditure. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2007-257145 A Summary of the Invention [Problem to be solved by the invention]

[0004] In the above-mentioned technology, the user is required to start an application on a mobile phone or the like and input an income plan, an expenditure plan, etc. However, accurately inputting the income plan and the expenditure plan can be a burden for the user, and these plans are not always input accurately. If the income plan and the expenditure plan are not accurate, the accuracy of household management cannot be expected.

[0005] The present invention has been made in consideration of these points, and has an object to provide a technique for improving the accuracy of household finance management. [Means for solving the problem]

[0006] A first aspect of the present invention is an information processing method executed by a token group including a plurality of tokens each associated with the same user. In this information processing method, the token group includes an income management token in which an income management contract, which is a smart contract for managing funds corresponding to the income of the user, is implemented, a payment management token in which a payment management contract, which is a smart contract for managing the payment amount of the user's payment, the payment deadline, which is the deadline for the payment, and the payee, is implemented, and a fund transfer token in which a fund transfer contract, which is a smart contract for transferring funds saved in the income management token to the payment management token, is implemented. The fund transfer contract implemented in the fund transfer token executes a step of distributing, when a fund transfer timing arrives, the funds stored in the income management token existing at the arrived fund transfer timing to each payment management token based on the priority set for each payment management token existing at the arrived fund transfer timing, the savings amount already stored in each payment management token, and the payment amount, and the payment management contract implemented in the payment management token executes a step of transferring, when a payment deadline for the payment management token arrives, funds stored in the payment management token equivalent to the payment amount to the payee.

[0007] The funds transfer contract implemented in the funds transfer token may determine that the timing for funds transfer has arrived when it satisfies either of the following conditions: (1) the payment deadline set in one or more payment management tokens has arrived, or (2) the funds stored in the income management token have reached a predetermined specified amount.

[0008] The income management token may be generated in response to the user receiving income, and the payment management token may be generated in response to the user's payment being finalized.

[0009] The funds transfer contract implemented in the funds transfer token may prohibit transfer of funds stored in the payment management token before the payment specified in the payment management token is completed, except for transfers for a payment specified in the payment management token and transfers to other payment management tokens that have a higher priority than the priority set for the payment management token.

[0010] The payment management token may be generated by instruction from an information processing device managed by the payee set in the payment management token.

[0011] The priority set for the payment management token may be registered in a priority database that is editable by the user, and the funds transfer contract implemented in the funds transfer token may obtain the priority set for the payment management token by referring to the priority database.

[0012] In the step of distributing to each payment management token, the funds transfer contract implemented in the funds transfer token may distribute to each payment management token before payment, in addition to the funds stored in the income management token at the time of the arriving funds transfer, any surplus funds remaining in the payment management token after the payment specified in the payment management token has been completed.

[0013] The second aspect of the present invention is a program. This program has a function of accessing a blockchain in which a token group including a token group composed of a plurality of tokens each associated with the same user is stored, the token group including an income management token implemented with an income management contract that is a smart contract for managing funds corresponding to the income of the user, a payment management token implemented with a payment management contract that is a smart contract for managing the payment amount of the user's payment, the payment deadline that is the deadline for the payment, and a payment destination, and a fund transfer token implemented with a fund transfer contract that is a smart contract for transferring funds saved in the income management token to the payment management token, and a function of reading the token from the blockchain. By executing the funds transfer contract implemented in the funds transfer token, a function is realized in which, when the funds transfer timing arrives, the funds stored in the income management token at the arrived funds transfer timing are distributed to each payment management token based on the priority set for each payment management token existing at the arrived funds transfer timing, the savings amount already stored in each payment management token, and the payment amount.By executing the payment management contract implemented in the payment management token read from the blockchain, a function is realized in which, when the payment deadline for the payment management token arrives, funds stored in the payment management token equivalent to the payment amount are transferred to the payee.

[0014] In order to provide this program or to update a part of the program, a computer-readable recording medium having this program recorded thereon may be provided, or this program may be transmitted over a communication line.

[0015] Any combination of the above components, and any transformation of the present invention into a method, device, system, computer program, data structure, recording medium, etc., are also effective as aspects of the present invention. Effect of the Invention

[0016] According to the present invention, the accuracy of household finance management can be improved. [Brief description of the drawings]

[0017] [Figure 1] FIG. 2 is a diagram for explaining an overview of a process executed in an information processing device according to an embodiment. [Diagram 2] FIG. 2 is a diagram illustrating a functional configuration of an information processing device according to an embodiment. [Diagram 3] FIG. 13 is a diagram for explaining a priority and a balance allocation curve according to an embodiment. [Figure 4] 11 is a diagram for explaining distribution of funds by a distribution unit in the embodiment. FIG. [Diagram 5] 13 is a diagram for explaining another example of distribution of funds by the distribution unit in the embodiment. FIG. [Figure 6] 4 is a flowchart illustrating a flow of information processing executed by an information processing device according to an embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0018] <Outline of the embodiment> The information processing device according to the embodiment is one of a plurality of nodes constituting a blockchain. The blockchain according to the embodiment manages tokens having a smart contract function. The information processing device according to the embodiment realizes automation of household management including management of a user's income and expenditure by using this smart contract function.

[0019] FIG. 1 is a diagram for explaining an overview of the process executed in an information processing device 1 according to an embodiment. In the example shown in FIG. 1, a blockchain B is composed of five information processing devices 1, namely, a first information processing device 1a, a second information processing device 1b, a third information processing device 1c, a fourth information processing device 1d, and a fifth information processing device 1e. The number of information processing devices 1 constituting the blockchain B is not limited to five. The number of information processing devices 1 constituting the blockchain B may be three or more, and is preferably an odd number. Moreover, the blockchain B does not have to be a public blockchain, and may be a private blockchain or a consortium blockchain.

[0020] In the blockchain B according to the embodiment, tokens are managed and shared in an autonomous and decentralized manner by the above-mentioned multiple information processing devices 1. In the blockchain B, the generation, modification, deletion, etc. of these tokens are recorded in transactions, and blocks in which several transactions are grouped are stored in series, so to speak, in a form linked in a chain shape. In the blockchain B, the linking of these blocks is managed by a known consensus algorithm such as PoW (Proof of Work), and it is generally considered difficult to tamper with data stored in the blockchain B. The same is true for smart contracts, which are programs executed in the blockchain B, and it is considered difficult to tamper with them once they are recorded in the blockchain B.

[0021] The blockchain B according to the embodiment records multiple types of tokens associated with a user for managing the user's household finances. The information processing device 1 realizes the user's household finances management by automatically processing information included in each token associated with the user using a smart contract function.

[0022] Specifically, the blockchain B according to the embodiment has a token group having three types of tokens as components: an income management token, a funds transfer token, and a payment management token. Each user who is the subject of household management by the blockchain B is managed by a unique user identifier, and the income management token, the funds transfer token, and the payment management token are each associated with the same user identifier. In the example shown in FIG. 1, a user with a user identifier UID00001 is associated with two income management tokens Ti (a first income management token Ti1 and a second income management token Ti2), one funds transfer token Tt, and one payment management token Tp.

[0023] Here, the income management token Ti implements an income management contract Ci, which is a smart contract for managing funds equivalent to the income of the user to which the token is associated. The income management token Ti is generated on the blockchain B when the user receives income (e.g., salary transfer, sale of securities, rental income, etc.), and information indicating the amount of funds equivalent to the income is recorded in the transaction.

[0024] The payment management token Tp implements a payment management contract Cp, which is a smart contract for managing the payment amount, the payment deadline, and the payee of the user associated with the token. The payment management token Tp is generated on the blockchain B when the user's payment is confirmed (for example, a predetermined payment such as rent or utility bills, a card payment, or a payment method known as BNPL (Buy Now Pay Later)), and information indicating the amount of funds used for the payment is recorded in the transaction.

[0025] The fund transfer token Tt implements a fund transfer contract Ct, which is a smart contract for transferring funds stored in the income management token Ti to the payment management token Tp. The fund transfer token Tt is generated when a user registers with the blockchain B. The fund transfer token Tt transfers funds equivalent to the payment amount from the funds stored in the income management token Ti in stages before the payment due date of each payment management token Tp, based on an algorithm described below.

[0026] The income management token Ti and the payment management token Tp managed by the blockchain B according to the embodiment manage funds as crypto assets that can be exchanged for legal tender. The information processing device 1 according to the embodiment manages the income of the user by executing a smart contract as one node constituting the blockchain B, and executes savings and payments using the income as a source of funds. This allows the user to automatically and accurately manage income and expenditures without having to register irregular income and payments one by one. Since the smart contract is associated with the token, the blockchain B according to the embodiment can also be considered as a group of tokens that executes household management, the group being made up of multiple tokens that are each associated with the same user.

[0027] <Functional configuration of information processing device 1 according to the embodiment> 2 is a diagram showing a schematic functional configuration of an information processing device 1 according to an embodiment. The information processing device 1 is one node constituting a blockchain B, and each node has the same functional configuration. The information processing device 1 includes a storage unit 10, a communication unit 11, and a control unit 12.

[0028] In Fig. 2, each functional block shows a configuration in terms of a function, not a configuration in terms of a hardware (device). Therefore, the functional 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 the functional blocks via any means, such as a data bus, a network, or a portable storage medium.

[0029] The memory unit 10 is a large-capacity storage device such as a ROM (Read Only Memory) that stores the BIOS (Basic Input Output System) of the computer that realizes the information processing device 1, a RAM (Random Access Memory) that serves as the working area of ​​the information processing device 1, an OS (Operating System), a program that realizes a smart contract, and various information such as various tokens referenced when the program is executed, etc., is stored.

[0030] The communication unit 11 is a communication interface for the information processing device 1 to communicate with an external device, and is realized by a known communication module such as a LAN (Local Area Network) module, a Wi-Fi (registered trademark) module, etc. Hereinafter, in this specification, the description of the communication unit 11 may be omitted on the assumption that the communication between the information processing device 1 and an external device is performed via the communication unit 11.

[0031] The control unit 12 is a processor such as a CPU (Central Processing Unit) or a GPU (Graphics Processing Unit) of the information processing device 1. The control unit 12 functions as a distribution unit 120, a determination unit 121, a transfer management unit 122, and an acquisition unit 123 by executing a funds transfer contract Ct stored in the storage unit 10. The control unit 12 also functions as an income fund management unit 124 by executing an income management contract Ci stored in the storage unit 10. Furthermore, the control unit 12 functions as a transfer unit 125 and a payment fund management unit 126 by executing a payment management contract Cp stored in the storage unit 10.

[0032] The information processing device 1 manages the user's income with an income management token Ti and manages the user's payments with a payment management token Tp. When the user has an income, the information processing device 1 generates an income management token Ti and shares it with other information processing devices 1 constituting the blockchain B. For example, when the user has an income of 100,000 yen, the information processing device 1 generates a new income management token Ti and records in the transaction, together with the date and time of generation, that the income management token Ti has funds equivalent to 100,000 yen.

[0033] Furthermore, the information processing device 1 generates a payment management token Tp when the user's payment is finalized, and shares it with other information processing devices 1 constituting the blockchain B. For example, when a payment of 30,000 yen to a user is finalized, the payment amount (funds equivalent to 30,000 yen), the payment due date, and the amount of funds to be applied to the payment are recorded in the transaction. Immediately after the generation of the payment management token Tp, no funds that can be applied to the payment have been transferred to the payment management token Tp, so the amount of funds to be applied to the payment is 0.

[0034] The payment management token Tp is generated by an information processing device (not shown) managed by the payee set in the payment management token Tp instructing the blockchain B. For example, when a user purchases a product on an EC (Electronic Commerce) site or the like using a BNPL payment method, the server managing the EC site instructs the blockchain B to generate the payment management token Tp. In addition, the payment management token Tp that manages periodic payments by contract, such as rent and utility bills, is generated by a server of a real estate management company or infrastructure provider instructing the blockchain B to generate the payment management token Tp when entering into a contract with the user, and the payment management token Tp is responsible for managing the payment until the contract ends.

[0035] The distribution unit 120 realized by the funds transfer contract Ct searches for income management tokens Ti present in the blockchain B at the time of the funds transfer, triggered by the arrival of the funds transfer timing. The distribution unit 120 distributes the funds stored in each of the searched income management tokens Ti to each payment management token Tp based on the priority set for each payment management token Tp present at the time of the funds transfer and the savings amount and payment amount already stored in each payment management token.

[0036] Here, the timing of fund transfer is the timing when the user saves the funds obtained as income for payment, and is the timing when part or all of the funds of the income management token Ti are allocated to the payment management token Tp existing at that time. A specific method of determining the timing of fund transfer will be described later.

[0037] When funds of the income management token Ti are transferred to the payment management token Tp, the income management unit 124 realized by the income management contract Ci records in the transaction the date and time of the transfer of funds, the identifier of the destination payment management token Tp, and the amount of funds remaining after the transfer of funds. Similarly, the payment management unit 126 realized by the payment management contract Cp records in the transaction the date and time of the transfer of funds, the identifier of the source income management token Ti, and the amount of funds after the transfer of funds.

[0038] The priority set for each payment management token Tp is a parameter that is referenced to determine the amount of funds to be distributed to the payment management token Tp at the time of fund transfer. As will be described in detail later, the higher the priority and the lower the ratio of savings to payment amount, the more funds are distributed to the payment management token Tp.

[0039] The transfer unit 125, which is realized by the payment management contract, transfers funds equivalent to the payment amount among the funds saved in the payment management token to the payee when the payment deadline of the payment management token Tp arrives. Specifically, if the payee accepts the crypto-asset handled by the blockchain B, the transfer unit 125 moves the crypto-asset equivalent to the payment amount to the payee's wallet or the like. If the payee does not accept the crypto-asset handled by the blockchain B, the transfer unit 125 converts the crypto-asset equivalent to the payment amount into legal tender and then transfers it to the payee's account using a system such as a bank. The payment fund management unit 126 records the date and time of the transfer of funds, the payee's identifier, and the amount of funds after the transfer in the transaction.

[0040] In this way, the information processing device 1 of the embodiment automates the process from managing a user's income to making payments using the smart contract function, thereby reducing the risk of missing out on input of income and payments and improving the accuracy of household management.

[0041] The timing of fund transfer will now be described. The determination unit 121 realized by the fund transfer contract Ct determines that the timing for fund transfer has arrived, provided that one of the following two conditions is met. The first condition is that the payment deadline set in one or more payment management tokens Tp has arrived. The second condition is that the funds saved in the income management token Ti are equal to or greater than a predetermined amount.

[0042] Regarding the first condition, the distribution unit 120 transfers the funds of the income management token Ti to the payment management token Tp in stages each time the timing for transferring funds arrives. The transfer unit 125 needs to transfer the funds of the payment management token Tp whose payment due date has arrived to the payee, but there is no guarantee that the funds of the payment management token Tp have reached the payment amount. Therefore, the distribution unit 120 can increase the probability that the funds accumulated in the payment management token Tp will be equal to or greater than the payment amount by transferring funds when the payment due date of any of the payment management tokens Tp arrives.

[0043] Regarding the second condition, the user's income does not necessarily occur periodically, but may occur suddenly. Therefore, even if the timing of the fund transfer is set periodically, there is no guarantee that the funds will be accumulated in the income management token Ti at that timing. Therefore, the judgment unit 121 monitors the funds of the income management token Ti, and determines the timing of the fund transfer when a certain amount of funds has been accumulated in the income management token Ti.

[0044] Therefore, the "predetermined amount" is a threshold amount for determining timing that the determination unit 121 refers to when determining the timing of fund transfer, and is an amount that can be freely set by the user. However, if the set amount of the predetermined amount is too high, the frequency of fund transfer timing will decrease, so the determination unit 121 may set an upper limit for the set amount of the predetermined amount based on past statistical data of the user's income. As an example of the upper limit, the determination unit 121 may set it to 20% of the average income of the user for a predetermined period (e.g., one month).

[0045] However, the funds stored in the payment management token Tp are stored for the purpose of making payments using that token, and if the user is able to move them freely, this could cause problems with payments when the payment deadline arrives. Therefore, in principle, the funds stored in the payment management token Tp should be prohibited from being moved.

[0046] For this reason, the transfer management unit 122 realized by the funds transfer contract Ct prohibits the transfer of funds stored in the payment management token Tp before the payment specified in the payment management token Tp is completed. This allows the transfer management unit 122 to increase the probability that the payment can be achieved by the payment management token Tp.

[0047] On the other hand, the movement management unit 122 permits movement for a payment defined in that payment management token Tp and movement to another payment management token that has a higher priority set than the priority set for that payment management token Tp. For example, when the payment deadline for another payment management token Tp that has a higher priority set than the priority set for a certain payment management token Tp arrives, the funds saved in that payment management token Tp do not reach the payment amount. If the movement management unit 122 completely prohibits the movement of funds between payment management tokens Tp before the payment deadline arrives, high-priority payments may be delayed.

[0048] Therefore, when a payment management token Tp whose payment deadline has arrived is short of funds, the movement management unit 122 permits the movement of funds from a payment management token Tp whose priority is set lower than the priority set for that payment management token Tp. This allows the movement management unit 122 to increase the probability that the payment of the payment management token Tp whose priority is set can be achieved.

[0049] Next, a description will be given of the distribution of funds by the distribution unit 120. As described above, the distribution unit 120 distributes the funds saved in each income management token Ti when the funds transfer timing arrives, based on the priority set for each payment management token Tp existing on the blockchain B at the time of the funds transfer and the savings amount and payment amount already saved in each payment management token.

[0050] 3(a)-(b) are diagrams for explaining the priority and balance allocation curve according to the embodiment. Specifically, FIG. 3(a) is a diagram showing a schematic data structure of a priority database D that associates and stores the priority of a payment management token Tp with its payment item. The priority database D is stored in a manner that can be edited by a user, for example, in at least one of the information processing devices 1 constituting the blockchain B.

[0051] As shown in Fig. 3(a), the priority database D stores, for each user identifier, a token identifier indicating a payment management token Tp associated with a user identified by the user identifier, a priority set in the payment management token Tp, and a payment item of the payment management token Tp in association with each other. In Fig. 3(a), a user with a user identifier UID00001 is associated with at least three payment management tokens Tp (token identifiers are TID9043852, TID5619438, and TID1534980, respectively), and the priorities of these tokens are 7, 6, and 1, respectively. In addition, the payment items of the three payment management tokens Tp are rent, home appliance payment, and optional savings, respectively.

[0052] In the priority database D according to the embodiment, priorities are represented by integers ranging from 1 to 7, with larger numbers indicating higher priorities. In the example shown in FIG. 3(a), the payment item of a payment management token Tp with a token identifier TID9043852 is rent, and the priority set therefor is the highest, 7. In addition, a payment management token Tp with a token identifier TID1534980 has the purpose of a savings set by the user, and the lowest priority, 1, is set therefor. In other words, the example shown in FIG. 3(a) indicates that rent payment has a higher priority than savings set by the user.

[0053] FIG. 3(b) is a diagram showing a schematic of a balance allocation curve that is referenced to determine the amount of funds to be saved in the payment management token Tp. In FIG. 3(b), the vertical axis indicates the amount of funds saved in the payment management token Tp, and the horizontal axis indicates the amount of movement associated with the accumulation of funds (details will be described later). FIG. 3(b) shows seven curves numbered 1 to 7, which indicate balance allocation curves corresponding to the respective priorities from 1 to 7. The distribution unit 120 determines the amount of funds to be distributed to the payment management token Tp using the balance allocation curve corresponding to the priority set for each payment management token Tp.

[0054] Now, let us assume that there are seven payment management tokens Tp, each with the same payment amount (i.e., the maximum savings amount that is the target for accumulation) and with priorities ranging from 1 to 7, and that the distribution unit 120 transfers the same amount of funds b to each of the seven payment management tokens Tp, as shown in Figure 3(b). At this time, the distribution unit 120 moves the mark indicating the saved funds (a hollow circle in Figure 3(b)) along the balance allocation curve corresponding to the priority set for each payment management token Tp.

[0055] For example, as shown in FIG. 3(b), in a balance allocation curve with a priority of 7, the "movement amount" along the horizontal axis corresponding to funds b is a7. Similarly, in a balance allocation curve with a priority of m (m is an integer from 1 to 7), the movement amount is represented as am. As is clear from FIG. 3(b), when the savings amount of the payment management token Tp is small, the higher the priority, the smaller the movement amount in the balance allocation curve.

[0056] Based on the above, the distribution of funds by the distribution unit 120 according to the embodiment will be described. Figures 4(a)-(c) are diagrams for explaining the distribution of funds by the distribution unit 120 according to the embodiment, and are diagrams showing the priorities set for three payment management tokens Tp existing on the blockchain B and the accumulation status of funds when the timing for transferring funds arrives for a certain user. Specifically, Figure 4(a) shows the balance allocation curve of a payment management token Tp with a priority of 7, Figure 4(b) shows the balance allocation curve of a payment management token Tp with a priority of 1, and Figure 4(c) shows the balance allocation curve of a payment management token Tp with a priority of 4.

[0057] In FIG. 4(a)-(c), the white circle indicates the amount of the payment management token Tp saved before the transfer of funds, and the white square indicates the amount of the payment management token Tp saved after the transfer of funds. i When the amount of funds transferred is increased by a, the amount of movement in the balance allocation curve before and after the transfer is a i Similarly, in the balance allocation curve shown in FIG. 4(b), when the distribution unit 120 allocates funds toj When the amount of funds transferred is increased by a, the amount of movement in the balance allocation curve before and after the transfer is a j In the balance allocation curve shown in FIG. 4(c), the distribution unit 120 allocates funds to b k When the amount of funds transferred is increased by a, the amount of movement in the balance allocation curve before and after the transfer is a k It is.

[0058] Assume that the total amount of funds that the distribution unit 120 can transfer when the funds transfer timing arrives (i.e., the total amount of funds that the distribution unit 120 can distribute among the funds stored in the income management token Ti that exists at the time of the funds transfer arrival) is B. At this time, the distribution unit 120 calculates a i , a j , and a k Determine the corresponding b i , b j , and b k is the amount of funds transferred.

[0059]

number

[0060] The qualitative meaning of formula (1) is as follows. The distribution unit 120 determines the amount of funds to be transferred so that the sum of funds to be transferred for each payment management token Tp is B and the sum of the amount of transfer in the horizontal direction in each balance allocation curve is minimized. As described with reference to FIG. 3(b), when the amount of savings of the payment management token Tp is small, the higher the priority, the smaller the amount of transfer in the balance allocation curve. This corresponds to the fact that the higher the priority of the balance allocation curve, the steeper the slope when the amount of savings is low. Therefore, the condition that the sum of the amount of transfer in each balance allocation curve is minimized can also be interpreted as a condition for transferring more funds to a payment management token Tp with a high priority and a small amount of savings. In this way, by distributing funds along the balance allocation curve determined for each priority, the distribution unit 120 can transfer more funds at an earlier stage to a payment management token Tp with a higher priority.

[0061] Incidentally, as is clear from Figure 3(b), the higher the priority balance allocation curve, the smaller the slope becomes as the saved funds approach the maximum savings amount (i.e., payment amount). This means that according to the distribution rule shown in equation (1), the higher the priority balance allocation curve, the smaller the fund transfer becomes as the saved funds approach the maximum. This is because the amount of transfer becomes large with the accumulation of a small amount of funds.

[0062] Therefore, the distribution unit 120 may determine the amount of funds to be transferred so that the amount of funds transferred from the savings amount at the time of the nth fund transfer (n is an integer of 1 or more) prior to the balance allocation curve is minimized, instead of the amount of funds currently saved. (1) i , a (1) j , and a (1) k Determine the corresponding b (1) i , b (1) j , and b (1) k Determine.

[0063]

number

[0064] In formula (2), B (1) is the sum of the funds that the distribution unit 120 can transfer this time and the funds that the distribution unit 120 was able to transfer one time ago. (1) i , b (1) j , and b (1) k is the increase (transfer) in funds from the previous savings amount, and a (1) i , a (1) j , and a (1) kis the amount of movement (amount of movement on the horizontal axis) in the balance allocation curve from the previous savings amount. In other words, formula (2) can also be interpreted as returning the funds saved in each payment management token Tp to the previous amount, and optimizing the funds that the distribution unit 120 can distribute according to formula (1) by summing up the amount of the previous amount and the amount of the current amount.

[0065] 5(a)-(c) are diagrams for explaining another example of the distribution of funds by the distribution unit 120 according to the embodiment, and are diagrams for explaining an example of determining the amount of funds to be transferred so that the amount of transfer from the savings amount at the time of the previous funds transfer in the state shown in FIG. 4(a)-(c) is minimized. In FIG. 5(a)-(c), the open triangle indicates the savings amount of the payment management token Tp before the funds transfer at the timing of the previous funds transfer. Since it is the previous transfer, the savings amount in each payment management token Tp is naturally lower than the savings amount of the latest payment management token Tp, and the slope of the balance allocation curve increases accordingly. In this way, the distribution unit 120 determines the amount of funds to be transferred to each payment management token Tp by going back to the time of past balance replenishment (time of funds transfer), so that the amount of funds allocated to the payment management token Tp with a high priority can be increased. Note that while formula (2) shows a case where the distribution unit 120 starts with the previous savings amount, the same applies to a case where the distribution unit 120 starts with the savings amount two or more times ago.

[0066] Furthermore, by the distribution unit 120 going back one or more times in the past to replenish the balance (at the time of fund transfer), and determining the amount of funds to be transferred to each payment management token Tp, it becomes possible to transfer more funds to a payment management token Tp with a higher priority that was generated later. For example, suppose that only payment management tokens Tp with priorities 1 and 6 existed one time ago, and a payment management token Tp with priority 7 has been added this time. In this case, the distribution unit 120 goes back one time to allocate the amount of funds transferred twice, and therefore more funds can be accumulated in the payment management token Tp with priority 7.

[0067] In this way, the priority set for the payment management token Tp is a parameter that determines the balance allocation curve, and in turn determines the behavior of the transfer of funds to the payment management token Tp. Therefore, it is convenient for a user to be able to change the priority set for the payment management token Tp in consideration of the importance of the payment.

[0068] Therefore, the priority database D, which registers the priority set for the payment management token Tp, can be edited by the user via a user terminal such as a mobile phone. The acquisition unit 123 realized by the funds transfer contract Ct acquires the priority set for the payment management token Tp by referring to the user-editable priority database D. This allows the information processing device 1 according to the embodiment to reflect the priority set by the user in the amount of funds transferred to the payment management token Tp.

[0069] When the payment amount is fixed, such as rent, the same amount as the payment amount of each payment management token Tp is saved by fund transfer. However, there are also payments that are determined to occur periodically, such as utility bills such as electricity bills and communication fees, but the amount varies. The payment management token Tp for such payments is set to a high payment amount, and it is possible that funds remain in the payment management token Tp whose payment due date has arrived after the payment has been made.

[0070] Therefore, the distribution unit 120 realized by the funds transfer contract Ct distributes to each payment management token Tp before payment, in addition to the funds stored in the income management token Ti existing at the time of the arrived funds transfer, the surplus funds remaining in the payment management token Tp after the payment set in the payment management token Tp is completed. In this way, the distribution unit 120 can utilize the user's funds without leaving any remaining for payment.

[0071] <Processing flow of the information processing method executed by the information processing device 1> FIG. 6 is a flowchart illustrating the flow of information processing executed by information processing device 1 according to the embodiment.

[0072] The distribution unit 120 searches whether or not a payment management token Tp related to the user exists on the blockchain B (S2). If a payment management token Tp exists (Yes in S4), the distribution unit 120 determines whether or not it is time to transfer funds (S6). If it is not time to transfer funds (No in S8), the distribution unit 120 returns to step 6 and repeats the determination of whether or not it is time to transfer funds.

[0073] If it is time to transfer funds (Yes in S8), the distribution unit 120 distributes the funds saved in the income management token Ti to each payment management token Tp based on the priority set for each payment management token Tp before payment and the savings amount and payment amount already saved in each payment management token Tp (S10).

[0074] If there is a payment management token Tp whose payment deadline has arrived (Yes in S12), the transfer unit 125 transfers funds equivalent to the payment amount to the payee set in the payment management token Tp whose payment deadline has arrived (S14), and the information processing device 1 returns to processing of step S2.

[0075] If there is no payment management token Tp whose payment deadline has arrived (No in S12), the information processing device 1 returns to the processing of step S6. If there is no payment management token Tp on the blockchain B in step S4 (No in S4), the processing in this flowchart ends. The information processing device 1 periodically repeats the above processing for each user of the blockchain B, thereby managing the household finances of each user.

[0076] <Advantages of the Information Processing Device 1 According to the Embodiment> As described above, the information processing device 1 according to the embodiment can improve the accuracy of household finance management.

[0077] 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."

[0078] 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 also has the effect of the original embodiment.

[0079] <Modification> In the above, a case has been described in which the information processing device 1 constituting the blockchain B executes each smart contract. Alternatively, a user terminal of a user registered in the blockchain B may execute each smart contract. Specifically, the blockchain B is accessed by executing an application for household management installed in the user terminal.

[0080] The user terminal executes the funds transfer contract Ct implemented in the funds transfer token Tt read from the blockchain B, and distributes the funds stored in the income management token Ti existing at the funds transfer timing to each payment management token Tp based on the priority set for each payment management token Tp existing at the funds transfer timing and the savings amount and payment amount already stored in each payment management token Tp, when the funds transfer timing arrives. The user terminal executes the payment management contract Cp implemented in the payment management token Tp read from the blockchain B, and distributes the funds stored in the payment management token Tp equivalent to the payment amount to the payee when the payment deadline of the payment management token Tp arrives.

[0081] In this way, by distributing the execution of users' household management to each user's user terminal, the load on the information processing device 1 that constitutes the blockchain B can be reduced. [Explanation of symbols]

[0082] 1. Information processing device 10 Storage section 11 Communications Department 12 Control section 120 Distribution section 121 Judgment section 122 Mobility Management Department 123 Acquisition Department 124 Revenue Fund Management Department 125 Relocation Department 126 Payment Funds Management Department B Blockchain D Priority Database

Claims

1. 1. An information processing method executed by a token group having a plurality of tokens as components, each of which is associated with the same user, comprising: The tokens include: A revenue management token in which a revenue management contract, which is a smart contract for managing funds equivalent to the user's revenue, is implemented; A payment management token in which a payment management contract, which is a smart contract for managing the payment amount of the user's payment, the payment deadline, and the payee, is implemented; A funds transfer token in which a funds transfer contract, which is a smart contract for transferring funds stored in the income management token to the payment management token, is implemented; The funds transfer contract implemented in the funds transfer token, When a fund transfer timing arrives, the funds stored in the income management token existing at the time of the fund transfer are distributed to each payment management token based on the priority set for each payment management token existing at the time of the fund transfer, the amount of savings already stored in each payment management token, and the payment amount; The payment management contract implemented in the payment management token, When the payment deadline of the payment management token arrives, a step of transferring funds equivalent to the payment amount out of the funds saved in the payment management token to the payee is executed. Information processing methods.

2. The funds transfer contract implemented in the funds transfer token, (1) A payment deadline set forth in any one or more payment management tokens has arrived, or (2) The funds stored in the income management token reach or exceed a predetermined amount; It is determined that the timing for the funds transfer has arrived, provided that either one of the following conditions is satisfied: The information processing method according to claim 1 .

3. The income management token is generated when the user has income, The payment management token is generated when the user's payment is finalized.

3. The information processing method according to claim 1 or 2.

4. The fund transfer contract implemented in the fund transfer token prohibits the transfer of funds stored in the payment management token, except for transfers for a payment specified in the payment management token before the payment specified in the payment management token is completed, and transfers to other payment management tokens that have a higher priority than the priority set for the payment management token.

3. The information processing method according to claim 1 or 2.

5. The payment management token is generated in response to an instruction from an information processing device managed by a payee set in the payment management token.

3. The information processing method according to claim 1 or 2.

6. the priority set for the payment management token is registered in the user-editable priority database; The fund transfer contract implemented in the fund transfer token refers to the priority database to obtain the priority set in the payment management token.

3. The information processing method according to claim 1 or 2.

7. In the step of distributing to each of the payment management tokens, the fund transfer contract implemented in the fund transfer token distributes to each of the payment management tokens before payment, in addition to the funds stored in the income management token existing at the time of the arrived fund transfer, surplus funds remaining in the payment management token after the payment specified in the payment management token is completed.

3. The information processing method according to claim 1 or 2.

8. On the computer, a function of accessing a blockchain in which a token group is stored, the token group being made up of multiple tokens each associated with the same user, the token group including an income management token implemented with an income management contract, which is a smart contract for managing funds equivalent to the income of the user, a payment management token implemented with a payment management contract, which is a smart contract for managing the payment amount of the user's payment, the payment deadline, which is the deadline for the payment, and the payee, and a funds transfer token implemented with a funds transfer contract, which is a smart contract for transferring funds stored in the income management token to the payment management token; By executing the funds transfer contract implemented in the funds transfer token read from the blockchain, a function is realized in which, when the funds transfer timing arrives, the funds stored in the income management token existing at the time of the funds transfer arrives are distributed to each payment management token based on the priority set for each payment management token existing at the time of the funds transfer arrives, the savings amount already stored in each payment management token, and the payment amount, By executing the payment management contract implemented in the payment management token read from the blockchain, a function is realized in which, upon the arrival of the payment due date of the payment management token, funds equivalent to the payment amount out of the funds stored in the payment management token are transferred to the payee; program.

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