Dividend payment system, block chain system, payment control system, divided payment system, and computer program

Abstract

To enable an amount according to the number of tokens possessed by investors to pay the amount to each of the investors, by control of a smart contract.SOLUTION: A block chain related to a BC system 30 stores the number of tokens possessed by investors A, B and C, wherein when the BC system 30 receives a payment notification notifying of payment of capital of a dividend, a smart contract arranged in the block chain is activated. The activated smart contract regulates control for identifying a ratio to divide the capital of the dividend to the investors, on the basis of the number of tokens possessed by each of the investors stored in the block chain, and sending information for instructing payment to each of the investors at the identified ratio to a management / operation system 20. When receiving information from the BC system 30, the management / operation system 20 sends an instruction for paying an amount according to an identified ratio to each of the investors to a financial institution system 11.SELECTED DRAWING: Figure 2

Description

[Technical Field]

[0001] The present invention relates to a dividend payment system, a blockchain system, a payment control system, a dividend payment method, and a computer program in which the process of paying dividends for contributions using tokens in a blockchain is controlled by a smart contract placed on the blockchain. [Background technology]

[0002] Traditionally, a scheme has been in place where real estate, etc. is acquired using funds raised through investments from anonymous partners (investors) and loans from financial institutions, and the profits from the real estate, etc. are distributed to anonymous partners and used to repay the financial institutions. This type of scheme is usually called a GK-TK scheme, where GK stands for limited liability company (Goudou Kaisha) and TK stands for anonymous partnership (Tokumei Kumiai), and in this scheme, the limited liability company (GK) establishes a special purpose company (SPC) based on the "Act on Liquidation of Assets" and carries out various necessary procedures.

[0003] The following Patent Document 1 discloses the provision of real estate securitization products securitized by the operator of a specified association in accordance with the Real Estate Specified Joint Enterprise Act to investors. Furthermore, the following Patent Document 2 discloses the use of a special purpose company (SPC) to present information to those wishing to invest in crowdfunding targeting real estate.

[0004] On the other hand, tokens have been used for fundraising using blockchain technology, and one such method of fundraising using tokens is Security Token Offering (STO). An example of combining security tokens with the above-mentioned GK-TK scheme is disclosed in Non-Patent Document 1 below (see pages 32, 38, etc. of Non-Patent Document 1).

[0005] Furthermore, blockchains use autonomously operating programs (a type of computer program) called smart contracts. Generally, smart contracts execute a certain action when certain conditions are met, and examples of smart contract technology are disclosed in the following Patent Documents 3 to 5. [Prior art documents] [Patent documents]

[0006] [Patent Document 1] Japanese Patent Application Laid-Open No. 2014-35726 [Patent Document 2] Japanese Patent Application Publication No. 2019-215864 [Patent Document 3] Japanese Patent Publication No. 2020-198060 [Patent Document 4] Japanese Patent Application Publication No. 2019-191876 [Patent Document 5] Japanese Patent Application Publication No. 2019-159935 [Non-patent literature]

[0007] [Non-Patent Document 1] Haruo Narimoto, "Possibilities and Legal Frameworks for Real Estate Investment Using Tokens," January 15, 2020, see "4. Benefits of Security Tokens and STOs" on page 32 and "Tokens Representing TK Interests (Securities under Section 2) in the GK-TK Scheme" on page 38, Internet<URL:https: / / www.mlit.go.jp / totikensangyo / content / 001330170.pdf> Summary of the Invention [Problem to be solved by the invention]

[0008] Even when investing using tokens based on blockchain technology, dividends will be paid to investors (investors) according to the investment amount (amount of investment). The payment process (transfer process) of dividends to investors will be handled by a server located outside the blockchain (for example, a financial institution server), but such a server does not store the number of tokens held by each investor, and since blockchain, which functions as a type of database, has characteristics different from general database devices, some kind of ingenuity is required in the communication between the blockchain and the server in order to identify the transfer amount to each investor and smoothly process the dividend payment.

[0009] Furthermore, if the investment target is a rental property (for example, a leased real estate), it is necessary to pay management fees to the manager of such property, and if such payments are made in conjunction with the payment of the dividends mentioned above, various payment processes can be carried out centrally. This also applies to the payment of management fees, as well as the payment of principal and interest when the investment target is a loan property, the payment of investment management fees when the investment target is an investment management property, the payment of trust fees to the trust business operator when the investment target is a trust object, and the payment of trust dividends to the business that performs services for the investor.

[0010] The present invention has been made in consideration of the above circumstances, and aims to provide a dividend payment system, blockchain system, payment control system, dividend payment method, and computer program that, when making investments using tokens based on blockchain technology, enables a financial institution server outside the blockchain to smoothly pay dividends by having processing control primarily performed by a smart contract placed on the blockchain. Another object of the present invention is to provide a dividend payment system, a blockchain system, a payment control system, a dividend payment method, and a computer program that enable the payment of management fees, principal and interest, fees related to investment trust management, trust fees, trust dividends, etc., in association with the payment of dividends to be made centrally based on instructions in a smart contract. [Means for solving the problem]

[0011] In order to solve the above problems, the dividend payment system of the present invention comprises a financial institution system that processes payments based on payment instructions, and a blockchain system related to a blockchain in which a smart contract is deployed, and the financial institution system is configured to process payments of dividends to contributors, wherein the blockchain records owned token information indicating the number of tokens owned by each contributor, the financial institution system comprises means for sending a capital deposit notice to the blockchain system notifying the deposit of capital related to dividends, and the smart contract is activated by the sent capital deposit notice, and the blockchain system comprises means for specifying, based on the activated smart contract, the amount of the deposited capital to be distributed to each contributor in accordance with the owned token information recorded on the blockchain, and means for sending a payment instruction to the financial institution system based on the activated smart contract, instructing payment of the amount for each specified contributor, and when the payment instruction is received, the financial institution system comprises means for performing processing related to payment of the amount for each contributor as instructed in the received payment instruction to the financial institution account related to each contributor.

[0012] Furthermore, in the dividend payment system according to the present invention, the object of the investor's investment corresponds to a rental property, and the rental property is a trust established, is the subject of investment management, and is purchased with a loan, and the financial institution system has a means for sending a rental payment notice notifying that rental payment has been received to the blockchain system, and the smart contract is activated by the sent rental payment notice, and the blockchain system, based on the activated smart contract, calculates from the rental payment a management fee to the manager of the rental property, a trust fee to the trustee, a fee to the investment manager, and principal and interest to the lender. and means for transmitting to the financial institution server various payment instructions instructing the payment of a management fee to the administrator, a trust fee to the trustee, a fee to the investment manager, principal and interest to the lender, and the calculated trust dividend to the token trader based on the activated smart contract, wherein the financial institution server, when receiving the various payment instructions, is characterized by comprising means for performing processing related to the payment of the management fee to the financial institution account related to the administrator, the payment of the trust fee to the financial institution account related to the trustee, the payment of the fee to the financial institution account related to the investment manager, and the payment of the trust dividend to the financial institution account related to the token trader.

[0013] Furthermore, the dividend payment system of the present invention is characterized in that the object of the investor's investment corresponds to the rental property, the financial institution system has a means for sending a rental payment notice to the blockchain system notifying that rental payment has been received, the smart contract is activated by the sent rental payment notice, the blockchain system has a means for sending a management fee payment instruction to the financial institution server based on the activated smart contract, instructing payment of a management fee to the manager of the rented property, and the financial institution server has a means for performing processing related to payment of the management fee to the financial institution account related to the manager when the management fee payment instruction is received.

[0014] Furthermore, the dividend payment system of the present invention is characterized in that the rented property is placed under a trust, the blockchain system comprises a means for sending a trust fee payment instruction to the financial institution server, instructing the payment of a trust fee to the trustee, based on a smart contract activated by the notification of rental payment, and the financial institution server, when receiving the trust fee payment instruction, comprises a means for performing processing related to the payment of the trust fee to the financial institution account related to the trustee.

[0015] Furthermore, the dividend payment system according to the present invention is characterized in that the rented property is the subject of investment management, the blockchain system comprises a means for sending a remuneration payment instruction to the financial institution server, instructing the payment of a remuneration to the investment manager, based on a smart contract activated by the notification of the rental fee deposit, and the financial institution server comprises a means for performing processing related to the payment of the remuneration to the financial institution account related to the investment manager when the remuneration payment instruction is received.

[0016] Furthermore, the dividend payment system of the present invention is characterized in that the property to be rented is purchased with a loan, the blockchain system has a means for sending a principal and interest payment instruction to the financial institution server, instructing the payment of principal and interest to the lender, based on a smart contract activated by the rental payment notification, and the financial institution server has a means for performing processing related to the payment of principal and interest to the financial institution account related to the lender when the principal and interest payment instruction is received.

[0017] The dividend payment system according to the present invention comprises a financial institution system that performs processing related to payments based on payment instructions, a blockchain system related to a blockchain in which a smart contract is placed, and a management and operation system that can communicate with the blockchain system, and the financial institution system is configured to perform processing related to the payment of dividends to investors. In this dividend payment system, the blockchain records owned token information indicating the number of tokens owned by each investor, and the financial institution system comprises means for sending a capital deposit notice to the blockchain system that notifies the deposit of capital related to dividends, and the smart contract is activated by the sent capital deposit notice, and the blockchain system processes the activated smart contract. The system is characterized in that it comprises a means for determining the proportion of distribution for each contributor based on the contract and in accordance with the owned token information recorded on the blockchain, and a means for sending proportion information to the management and operation system, including information indicating the proportion for each identified contributor, based on the activated smart contract; when the management and operation system receives the proportion information, it comprises a means for determining the amount of the deposited original funds to be distributed to each contributor in accordance with the proportion for each contributor indicated in the received proportion information, and a means for sending a payment instruction for the amount for each identified contributor to the financial institution system; and when the financial institution system receives the payment instruction, it comprises a means for performing processing to pay the amount for each contributor as instructed in the received payment instruction to the financial institution account for each contributor.

[0018] Furthermore, in the dividend payment system according to the present invention, the object of the investor's investment corresponds to a rental property, and the rental property is a trust established, is the subject of investment management, and is purchased with a loan, and the financial institution system comprises means for sending a rent deposit notice to the blockchain system notifying that a rental deposit has been made, and the smart contract is activated by the sent rent deposit notice, and the blockchain system comprises means for sending payment information to the management and operation server, based on the activated smart contract, instructing the payment of a management fee to the administrator, a trust fee to the trustee, a fee to the investment manager, principal and interest to the lender, and trust dividends to the token trader, and the management and operation system The system is characterized in that, when the payment information is received, it is equipped with a means for calculating the trust dividend to the token trader by subtracting from the rent the management fee to the manager of the rented property, the trust fee to the trustee, the fee to the investment manager, and the principal and interest to the lender, and a means for sending various payment instructions to the financial institution server instructing the payment of the management fee to the manager, the trust fee to the trustee, the fee to the investment manager, the principal and interest to the lender, and the calculated trust dividend to the token trader, and when it receives the various payment instructions, it is equipped with a means for performing processing related to the payment of the management fee to the financial institution account related to the manager, the payment of the trust fee to the financial institution account related to the trustee, the payment of the fee to the financial institution account related to the investment manager, and the payment of the trust dividend to the financial institution account related to the token trader.

[0019] Furthermore, the dividend payment system according to the present invention is characterized in that the blockchain system is provided with an application programming interface, and the smart contract is activated upon receipt of the notification of the deposit of the original capital via the application programming interface.

[0020] Furthermore, the dividend payment system of the present invention is characterized in that the blockchain system has an application programming interface, and the smart contract is activated upon receipt of the rent deposit notification via the application programming interface.

[0021] The blockchain system of the present invention is a blockchain system that causes an external financial institution system that performs processing related to payments based on payment instructions to perform processing related to the payment of dividends to investors based on payment instructions based on a smart contract placed on the blockchain, wherein the blockchain records owned token information indicating the number of tokens owned by each investor, and the smart contract is activated by a capital deposit notification that notifies the deposit of capital related to dividends from the external financial institution system, and is characterized in that it is equipped with a means for specifying the amount of the deposited capital to be distributed to each investor based on the owned token information recorded on the blockchain based on the activated smart contract, and a means for sending a payment instruction to the external financial institution system that instructs payment of the amount for each identified investor based on the activated smart contract.

[0022] Furthermore, the blockchain system according to the present invention is characterized in that it comprises an application programming interface, and the smart contract is activated upon receipt of the notification of deposit of the original capital via the application programming interface.

[0023] Furthermore, the blockchain system of the present invention is characterized in that the object of the investor's investment corresponds to a rental property, the rental property is a trust established, is the subject of investment management, and is purchased with a loan, the smart contract is activated by a rent deposit notification that notifies that a rental deposit has been received from an external financial institution system, and is equipped with: means for calculating trust dividends to token traders by subtracting, from the rent, a management fee to the manager of the rented property, a trust fee to the trustee, a fee to the investment manager, and principal and interest to the lender based on the activated smart contract; and means for transmitting various payment instructions to an external financial institution server that instruct the payment of the management fee to the manager, the trust fee to the trustee, the fee to the investment manager, the principal and interest to the lender, and the calculated trust dividend to the token trader based on the activated smart contract.

[0024] Furthermore, the blockchain system of the present invention is characterized in that it includes an application programming interface, and the smart contract is activated upon receipt of the rent payment notification via the application programming interface.

[0025] The payment control system of the present invention comprises a blockchain system relating to a blockchain on which a smart contract is deployed, and a management and operation system capable of communicating with the blockchain system, and causes an external financial institution system that performs processing related to payments based on payment instructions to perform processing related to the payment of dividends to investors. The blockchain records owned token information indicating the number of tokens owned by each investor, and the smart contract is activated by a capital deposit notification that notifies the deposit of capital related to dividends from the external financial institution system. The blockchain system comprises: means for specifying the proportion related to distribution for each investor in accordance with the owned token information recorded in the blockchain based on the activated smart contract; and means for transmitting proportion information to the management and operation system based on the activated smart contract, the proportion including information indicating the proportion for each identified investor. When the management and operation system receives the proportion information, it comprises: means for specifying the amount related to the deposited capital to be distributed to each investor in accordance with the proportion for each investor indicated in the received proportion information, and means for transmitting a payment instruction for the amount for each identified investor to the external financial institution system.

[0026] In addition, the payment control system of the present invention is characterized in that the blockchain system has an application programming interface, and the smart contract is activated upon receiving the notification of deposit of the original funds via the application programming interface.

[0027] Furthermore, in the payment control system according to the present invention, the object of the investment by the investor corresponds to a rental property, the rental property is a trust established, is an object of investment management, and is purchased with a loan, the smart contract is activated by a rental payment notification that notifies that a rental payment has been received from an external financial institution system, and the blockchain system pays a management fee to the administrator, a trust fee to the trustee, a fee to the investment manager, principal and interest to the lender, and a credit fee to the token trader based on the activated smart contract. The management and operation system is characterized by having a means for transmitting payment information to the management and operation server instructing the payment of trust dividends, and when the management and operation system receives the payment information, it is equipped with a means for calculating trust dividends to token traders by subtracting from the rent the management fee to the manager of the rented property, the trustee's fee to the trustee, the fee to the investment manager, and the principal and interest to the lender, and a means for transmitting various payment instructions to an external financial institution server instructing the payment of the management fee to the manager, the trustee's fee to the trustee, the fee to the investment manager, the principal and interest to the lender, and the calculated trust dividends to token traders.

[0028] The payment control system of the present invention is characterized in that the blockchain system has an application programming interface, and the smart contract is activated upon receipt of the rent payment notification via the application programming interface.

[0029] The dividend payment method of the present invention is a dividend payment method in which a blockchain system related to a blockchain in which a smart contract is deployed causes a financial institution system that performs processing related to payments based on a payment instruction to perform processing related to the payment of dividends to contributors, wherein the blockchain records ownership token information indicating the number of tokens owned by each contributor, the financial institution system executes a step of sending a capital deposit notice to the blockchain system notifying the deposit of capital related to the dividends, the smart contract is activated by the sent capital deposit notice, and the blockchain system executes the steps of specifying, based on the activated smart contract, the amount of the deposited capital to be distributed to each contributor in accordance with the ownership token information recorded in the blockchain, and sending, based on the activated smart contract, a payment instruction to the financial institution system instructing payment of the amount for each specified contributor, and when the financial institution system receives the payment instruction, executes a step of performing processing related to the payment of the amount for each contributor as instructed in the received payment instruction to the financial institution account related to each contributor.

[0030] Furthermore, a dividend payment method according to the present invention is a dividend payment method system in which a blockchain system relating to a blockchain in which a smart contract is deployed and a management and operation system capable of communicating with the blockchain system cause a financial institution system that performs processing related to payments based on payment instructions to perform processing related to the payment of dividends to investors, the blockchain records owned token information indicating the number of tokens owned by each investor, the financial institution system executes a step of sending a capital deposit notice notifying the deposit of capital related to dividends to the blockchain system, the smart contract is activated by the sent capital deposit notice, and the blockchain system executes a step of executing a payment process related to the payment of dividends to the blockchain system based on the activated smart contract. and a step of transmitting ratio information including information indicating the ratio for each identified contributor to the management and operation system based on the activated smart contract; when the management and operation system receives the ratio information, it performs the steps of: determining the amount of the deposited original funds to be distributed to each contributor in accordance with the ratio for each contributor indicated in the received ratio information; and transmitting a payment instruction for the amount for each identified contributor to the financial institution system; and when the financial institution system receives the payment instruction, it performs the step of performing processing to pay the amount for each contributor as instructed in the received payment instruction to the financial institution account for each contributor.

[0031] Furthermore, the dividend payment method of the present invention is a dividend payment method in which a blockchain system related to a blockchain in which a smart contract is deployed causes an external financial institution system that performs processing related to payments based on a payment instruction to perform processing related to the payment of dividends to investors, wherein the blockchain records ownership token information indicating the number of tokens owned by each investor, the smart contract is activated by a capital deposit notification that notifies the deposit of capital related to dividends from the external financial institution system, and the blockchain system executes the steps of: based on the activated smart contract, specifying the amount of the deposited capital to be distributed to each investor in accordance with the ownership token information recorded in the blockchain; and based on the activated smart contract, sending a payment instruction to the external financial institution system instructing payment of the amount for each identified investor.

[0032] Furthermore, the dividend payment method of the present invention is characterized in that the object of the investor's investment corresponds to a rental property, the rental property is a trust established, is the subject of investment management, and is purchased with a loan, the smart contract is activated by a rent deposit notification notifying that a rental deposit has been received from an external financial institution system, and the blockchain system executes the steps of: calculating the trust dividend to the token trader by subtracting, from the rent, a management fee to the manager of the rented property, a trust fee to the trustee, a fee to the investment manager, and principal and interest to the lender, based on the activated smart contract; and transmitting, to an external financial institution server, various payment instructions instructing payment of the management fee to the manager, the trust fee to the trustee, the fee to the investment manager, the principal and interest to the lender, and the calculated trust dividend to the token trader, based on the activated smart contract.

[0033] Furthermore, the dividend payment method according to the present invention is a dividend payment method system in which a blockchain system related to a blockchain in which a smart contract is deployed and a management and operation system capable of communicating with the blockchain system cause an external financial institution system that performs processing related to payments based on a payment instruction to perform processing related to the payment of dividends to investors, wherein the blockchain records owned token information indicating the number of tokens owned by each investor, the smart contract is activated by a capital deposit notification that notifies the deposit of capital related to dividends from the external financial institution system, the blockchain system executes the following steps based on the activated smart contract: specifying the proportion related to distribution for each investor in accordance with the owned token information recorded in the blockchain; and transmitting proportion information including information indicating the proportion for each identified investor to the management and operation system based on the activated smart contract, and when the management and operation system receives the proportion information, it executes the following steps: specifying the amount related to the deposited capital to be distributed to each investor in accordance with the proportion for each investor indicated in the received proportion information; and transmitting a payment instruction for the amount for each identified investor to the external financial institution system.

[0034] Furthermore, in the dividend payment method according to the present invention, the object of the investor's investment corresponds to a rental property, the rental property is a trust established, is the subject of investment management, and is purchased with a loan, the smart contract is activated by a rent deposit notification that notifies that a deposit related to the rental fee has been received from an external financial institution system, and the blockchain system instructs the payment of a management fee to an administrator, a trustee's fee to a trustee, a fee to an investment manager, principal and interest to a lender, and a trust dividend to a token trader based on the activated smart contract. The management and operation system executes a step of transmitting the payment information indicated by the payment information to the management and operation server, and when the management and operation system receives the payment information, it executes a step of subtracting from the rent the management fee to the manager of the rented property, the trust fee to the trustee, the fee to the investment manager, and the principal and interest to the lender to calculate the trust dividend to the token trader, and a step of transmitting to an external financial institution server various payment instructions instructing the payment of the management fee to the manager, the trust fee to the trustee, the fee to the investment manager, the principal and interest to the lender, and the calculated trust dividend to the token trader.

[0035] The computer program of the present invention is a computer program for causing a computer device corresponding to a node included in a blockchain system related to a blockchain that records owned token information indicating the number of owned tokens for each investor to control an external financial institution system that performs processing related to payments based on payment instructions to perform processing related to the payment of dividends to investors, and is characterized in that, based on being triggered by a raw material deposit notification that notifies the deposit of raw materials related to dividends from the external financial institution system, the computer device executes the steps of: specifying the amount of the deposited raw materials to be distributed to each investor, in accordance with the owned token information recorded in the blockchain; and sending a payment instruction to the external financial institution system instructing payment of the amount for each identified investor.

[0036] In the present invention, a smart contract is activated by a capital deposit notice sent from a financial institution system outside the blockchain to the blockchain system, and based on the activated smart contract, the payment amount for distribution to each contributor is specified in accordance with the owned token information stored in the blockchain, and a payment instruction indicating the specified amount is sent to the financial institution system, so that due to the activated smart contract, dividends can be smoothly paid to each contributor in a rate corresponding to the owned token information stored in the blockchain. Note that the transmission of the capital deposit notice includes either sending it directly from the financial institution system to the blockchain system or sending it to the blockchain system via a device or the like that handles processing related to communications, etc.

[0037] In the present invention, a smart contract is activated by a rent deposit notification sent from a financial institution system outside the blockchain, and based on the activated smart contract, the amount of trust dividend to be paid to the token trader is calculated, and various payment instructions are sent to the financial institution system instructing the payment of the management fee to the administrator, the trust fee to the trustee, the fee to the investment manager, the principal and interest to the lender, and the calculated trust dividend to the token trader, so that payment processing to the necessary payees can be performed centrally upon activation of the smart contract. Note that the transmission of the rent deposit notification may be performed either directly from the financial institution system to the blockchain system or via a device or the like that handles processing related to communications, etc. to the blockchain system.

[0038] In the present invention, when the investment target is a rental property, the financial institution system sends a deposit notification based on the payment of rental fees to the blockchain system, and the notification of rental fee deposit activates a smart contract. Based on the activated smart contract, a payment instruction instructing payment of the management fee to the administrator is sent from the blockchain system to the financial institution system, so that the payment of the management fee to the administrator can also be made in accordance with the instructions based on the smart contract.

[0039] In the present invention, when a trust is established for the rental property that is the subject of investment, a payment instruction instructing the payment of trust fees to the trustee is sent from the blockchain system to the financial institution system based on a smart contract activated by notification of rental payment, so that payment of trust fees to the trustee can also be made based on instructions based on the smart contract.

[0040] Furthermore, in the present invention, when the rental property that is the subject of investment is the subject of investment trust management, a payment instruction instructing the payment of compensation to the investment manager is sent from the blockchain system to the financial institution system based on the smart contract activated by the notification of rental payment, so that payment of compensation to the investment manager can also be made in accordance with instructions based on the smart contract.

[0041] Furthermore, in the present invention, when the rental property to be invested in was purchased with a loan, a payment instruction to pay the principal and interest to the lender is sent from the blockchain system to the financial institution system based on the smart contract activated by the notification of the rental payment, so that the payment of principal and interest to the lender can also be made in accordance with the instructions based on the smart contract.

[0042] In the present invention, when a management and operation system exists between a financial institution system and a blockchain system, when dividends are paid to each investor due to an activated smart contract, the management and operation system identifies the amount of payment for each investor, thereby reducing the processing burden on the blockchain system and enabling dividends to be paid smoothly to each investor in a proportion according to the owned token information stored in the blockchain.

[0043] In the present invention, if a management and operation system exists between a financial institution system and a blockchain system, the management and operation system will also make various payments to the administrator, trustee, investment manager, lender, and token trader due to the activated smart contract, and will calculate the payment amount to the token trader, etc., thereby reducing the processing burden on the blockchain system and enabling various payment-related processing to be carried out smoothly.

[0044] In the present invention, a smart contract is activated upon receiving a notification of capital deposit or a notification of rent deposit via an application programming interface. This makes it possible to flexibly receive notifications from outside the blockchain system via the application programming interface, thereby enabling the smart contract to be stably activated by notifications from outside and various processes to be executed. [Effects of the Invention]

[0045] In the present invention, when making a contribution (investment) using tokens based on blockchain technology, even if the financial institution system outside the blockchain that processes the dividend payments does not store the contribution ratio of each investor, the smart contract placed on the blockchain takes the lead in processing payments to each investor, allowing for smooth processing of dividend payments to investors.

[0046] In addition, in the present invention, a smart contract is activated by a notification of rent deposit sent from a financial institution system outside the blockchain, and based on the activated smart contract, the amount of trust dividend to be paid to the token trader is calculated, and various payment instructions are sent to the financial institution system to instruct the payment of the management fee to the administrator, the trustee's fee to the trustee, the fee to the investment manager, the principal and interest to the lender, and the calculated trust dividend to the token trader.Therefore, the smart contract can take the lead in centralizing the processing related to various payments, and various payments can be made after the rent payment has been completed, creating a good payment flow that does not impose a financial burden.

[0047] Furthermore, in the present invention, if a management and operation system exists between the financial institution system and the blockchain system, the management and operation system identifies the amount of payment made by each investor.This reduces the processing burden on the blockchain system, and allows dividends to be paid smoothly to each investor at a rate according to the owned token information stored in the blockchain, even if the financial institution system outside the blockchain that processes dividend payments does not store the investment ratio of each investor.

[0048] Furthermore, in the present invention, if a management and operation system exists between the financial institution system and the blockchain system, the management and operation system also calculates the payment amount to the token trader when making various payments to the administrator, trustee, investment manager, lender, and token trader, thereby reducing the processing burden on the blockchain system and enabling smooth processing of various payments.

[0049] Furthermore, in the present invention, a smart contract is activated upon receipt of a notification of capital deposit or a notification of rent deposit via an application programming interface, allowing for flexible reception of notifications from outside the blockchain system and for the smart contract to be activated, thereby enabling various payment processes to be executed centrally by manual operation of the smart contract. [Brief explanation of the drawings]

[0050] [Figure 1] FIG. 1 is a schematic diagram showing an example of a GK-TK scheme for rental real estate to which the present invention is applicable. [Figure 2] 1 is a schematic diagram showing an overall overview of a dividend payment system according to a first embodiment of the present invention. [Figure 3] 2 is a block diagram showing the main internal configuration of a financial institution server. FIG. [Figure 4] 10 is a diagram showing an example of part of the contents of a financial institution user table. [Figure 5] 1A is a block diagram showing an outline of the internal configuration of the account DB device, and FIG. 1B is a diagram showing an example of part of the contents of a table corresponding to the account data of ABC LLC. [Figure 6] 3 is a block diagram showing the main internal configuration of the management operation server. FIG. [Figure 7] 10 is a diagram showing an example of a part of a user DB. [Figure 8] 10 is a diagram showing an example of the contents of a payment table. [Figure 9] FIG. 2 is a block diagram showing the main internal configuration of a batch processing server. [Figure 10] FIG. 2 is a block diagram showing an outline of the internal configuration of a DB server. [Figure 11] FIG. 2 is a block diagram showing the main internal configuration of a computer device applied to a node related to the BC system. [Figure 12] This is an image diagram that shows an overview of the recorded contents of the blockchain (BC database) related to the BC system. [Figure 13] 1 is a first flowchart including a processing procedure for paying management fees and the like in the dividend payment method according to the first embodiment of the present invention. [Figure 14] 10 is a second flowchart including a processing procedure for paying dividends to investors in the dividend payment method according to the first embodiment of the present invention. [Figure 15] FIG. 1 is a schematic diagram showing an overall overview of a dividend payment system according to a second embodiment of the present invention. [Figure 16] 10 is a third flowchart including a processing procedure for paying management fees and the like in the dividend payment method according to the second embodiment of the present invention. [Figure 17] 10 is a fourth flowchart including a processing procedure for paying dividends to investors in the dividend payment method according to the second embodiment of the present invention. [Figure 18] 10 is a fifth flowchart including a processing procedure for paying management fees and the like in the dividend payment method according to the modified example of the second embodiment of the present invention. [Figure 19] 10 is a sixth flowchart including a processing procedure for paying dividends to investors in a dividend payment method according to a modified example of the second embodiment of the present invention. DETAILED DESCRIPTION OF THE INVENTION [Example]

[0051] Figure 1 is a schematic diagram showing an example of a GK-TK scheme that is the premise of the dividend payment system according to the present invention. The GK-TK scheme shown in Figure 1 is a scheme in which real estate (e.g., rental real estate) is acquired with funds collected from investments by anonymous partners (anonymous partnership contributors, investors) and loans from financial institutions, and funds based on rent received from the real estate are used for distributions to anonymous partners, repayments to financial institutions, compensation to investment managers (asset manager 5 in Figure 1), management fees to an administrative management company 6 (manager, for example, an accounting firm) for the rental real estate, etc.

[0052] Specifically, in the example shown in Figure 1, if 1 billion yen is needed to purchase a rental real estate property, 300 million yen of that 1 billion yen would be Loan 1a provided by Lender 7a (equivalent to a financial institution or lender), 300 million yen of that 1 billion yen would be Loan 1b provided by Mezzanine Lender 7a (equivalent to a financial institution or lender), and the remaining 400 million yen would be investment from a silent partnership (TK) (Tokutei Kumiai Koumi 1c). GK LLC will establish a special purpose company (SPC) to raise funds to purchase the rental real estate property mentioned above and to carry out various tasks related to the management of the rental real estate property.

[0053] Trust beneficiary rights are established for the rental real estate property and it becomes the subject of investment management, and Originator 2, the original owner of the real estate, enters into a real estate management and disposal trust agreement for the rental real estate property with Trust Bank 3, the trustee, whereby the beneficiary rights are transferred to Originator 2. A beneficiary rights transfer agreement is entered into between Originator 2 and LLC GK (a special purpose company), and LLC GK acquires the beneficiary rights for the rental real estate property, while Originator 2 receives the acquisition price for the beneficiary rights.

[0054] Furthermore, the trust bank 3 will receive rent payments from the real estate lessee 4 by entering into a lease agreement with the real estate lessee 4 of the rental real estate property. Although not shown in Figure 1, the trust bank 3 may also enter into a property management agreement (PM agreement) with a real estate management agent (property manager PM) and entrust the real estate management agent with tasks related to the real estate lessee, such that the real estate management agent will enter into the lease agreement with the real estate lessee 4.

[0055] GK LLC (special purpose company) enters into an asset management agreement for a rental real estate property with asset manager 5, an investment management company. As a result, asset manager 5 (equivalent to an investment manager) receives asset management fees from GK LLC (special purpose company). Furthermore, GK LLC (special purpose company) enters into an agreement (administrative management agreement) for the administrative management of the rental real estate property with administrative management company 6 (e.g., an accounting firm). As a result, administrative management company 6 (equivalent to the manager of the rental property) receives a contract fee (management fee) for the administrative management agreement from GK LLC (special purpose company).

[0056] Furthermore, with regard to the anonymous partnership investment portion 1c, which is responsible for part of the funds for purchasing the rental real estate property, a portion of this is securitized to solicit investment from equity investors 9 (anonymous partnership investors), and in this embodiment, real estate is securitized using blockchain-related tokens (equivalent to security tokens, deemed type 1 securities, or type 2 securities). In the example shown in Figure 1, the business related to the solicitation of investments and the sale of tokens is carried out by a soliciting and selling company 8 (equivalent to an electronic record transfer business operator, a type 1 financial instrument business operator, a type 2 financial instrument business operator, or a token trader).

[0057] Various methods are possible for the subscription and token sale by the subscription sales company 8, but one example is a two-stage process: a primary market where subscription sales are conducted in the primary market, and a secondary market where bilateral transactions for the transfer of status are conducted in the secondary market. In the primary market, the subscription sales company 8 enters into a subscription services agreement with GK LLC, which will be the token issuer (operator), and registers issuer information (subscription information, etc.), and then offers and sells tokens (security tokens) to investors (e.g., special business investors, equity investors 9) in the primary market within a set subscription period. Investors who wish to purchase security tokens will apply during the subscription period.

[0058] At the end of the subscription period, the subscription sales company 8 will purchase the security tokens in a lump sum from GK LLC. GK LLC will issue the security tokens on the blockchain (blockchain is not shown in Figure 1), and the number of issued tokens will be registered (recorded) on the blockchain in association with the investors.

[0059] As a specific example of security token purchases in the primary market described above, let's say that GK LLC raises total investment (1c anonymous partnership investment) of 400 million yen and issues 40,000 tokens on the blockchain (with 40,000 tokens in the LLC wallet). In this case, the investment unit is 10,000 yen per share. Each investor purchases the number of shares they desire. For example, the first investor purchases 1 share (1 token), the second investor purchases 50 shares (50 tokens), the third investor purchases 15 shares (15 tokens), and the fourth investor purchases 30 shares (30 tokens). In response to these purchases, the blockchain stores the number of tokens owned by the first investor, the number of tokens owned by the second investor, the number of tokens owned by the third investor, the number of tokens owned by the third investor, and the number of tokens owned by the fourth investor.

[0060] Furthermore, for security tokens in bilateral transactions in the secondary market described above, the Subscription and Distribution Company 8 will build a trading system in which it will be one of the parties to the transaction, and will conduct buying and selling transactions of security tokens via this trading system. Specifically, the Subscription and Distribution Company 8 will present, in the trading system, the selling price (price per unit) of the security token, which is the unit price of the security token notified by the asset manager 5 plus a selling spread, and the buying price, which is the unit price plus a buying spread (for example, the Subscription and Distribution Company 8 will set up an online trading site that can be viewed on the Internet with a browser, and will present the selling price and buying price of the security token on that website (online trading site)).

[0061] Investors who already own security tokens and wish to sell them can sell the desired number of security tokens they own to the subscription sales company 8 through the above-mentioned trading system. In this case, for example, if an investor purchases security tokens for 10,000 yen per unit, and the selling price per unit is offered as 10,500 yen in the above-mentioned trading system, and the investor is able to sell them at that selling price, the investor will earn a sales profit of 500 yen per unit.

[0062] Furthermore, investors who wish to acquire security tokens can purchase them through the above-mentioned trading system. For example, if the purchase price (purchase price) per unit in the above-mentioned trading system is 10,700 yen, the investor can acquire the desired number of security tokens by paying the purchase amount of 10,700 yen per unit to the subscription sales company 8.

[0063] The above-mentioned purchases and sales of security tokens will be registered (recorded) in the blockchain as contract data related to the movement of security tokens, for example, by daily processing (daily processing). Specifically, the data related to the transaction recorded in the blockchain after processing related to the specified transaction corresponding to the purchase or sale will be updated, and then the data will be digitally signed using a private key, and the data recorded in the blockchain will be updated (and settlement and liquidation will also be completed).

[0064] Records of security token sales and purchases are recorded and managed on the blockchain as digital anonymous partnership management (security token management), and the number of security tokens sold and purchased is recorded for each investor (investor) and sales company. For example, if an investor sells 10 security tokens, the blockchain's memory state will show that the number of security tokens owned by that investor has decreased by 10, while the number of security tokens owned by sales company 8 has increased by 10. Also, if another investor purchases 10 security tokens, the blockchain's memory state will show that the number of security tokens owned by that investor has increased by 10, while the number of security tokens owned by sales company 8 has decreased by 10.

[0065] In addition to the information related to the buying and selling of security tokens mentioned above, the blockchain also records information on the issuer of the security tokens, GK LLC, information on the anonymous partnership investment 1c that is the subject of public offering (publication information, etc.), and price information such as the base price and transaction price (sale price, purchase price) set by asset manager 5.

[0066] As mentioned above, the security tokens stored in the blockchain are based on the anonymous partnership investment 1c for the rental real estate property and correspond to the investment of each investor. Therefore, rent from the real estate tenant 4 of the rental real estate property will be the source of distributions, which will be distributed to each investor (investor) who owns the security tokens stored in the blockchain in accordance with the number of shares (ownership interest) of the security token they own.

[0067] One of the features of the present invention is that the distribution of dividends to each investor according to the number of security tokens held can be smoothly carried out under the control of a smart contract placed on the blockchain. Another feature of the present invention is that the payment of contract fees (management fees) to the rental real estate property management company 6 (the property manager), the payment of principal and interest on loans to the lender 7a and mezzanine lender 7a (lenders), the payment of asset management fees (investment management fees) to the asset manager 5 (investment manager), and the payment of trust dividends to the subscription sales company 8 (token trader) are also carried out based on smart contracts. Below, we will explain in detail an embodiment of the present invention based on the example of the GK-TK scheme shown in Figure 1 above.

[0068] Figure 2 shows an overall overview of a dividend payment system 10 according to an embodiment of the present invention. The dividend payment system 10 is configured so that a financial institution system 11 and a payment control system 50 are connected via a wide-area network NW, and the payment control system 50 is further configured so that a management operation system 20 and a blockchain system 30 (hereinafter referred to as the BC system 30) are connected so as to be able to communicate with each other via a network that is more local than the wide-area network NW. In the payment control system 50, the management operation system 20 is connected to the wide-area network 20, and therefore the financial institution system 11 and the BC system 30 communicate via the management operation system 20.

[0069] Financial institution system 11 is a system operated by a certain financial institution (e.g., AAA Bank) and includes financial institution server 12 and account database device 15 (hereinafter referred to as account DB device 15). As will be described later, financial institution system 11 performs processing (transfer processing) related to payments to the financial institution accounts of each of investors A, B, C, etc. (corresponding to investors including equity investors 9 of the anonymous partnership investors in FIG. 1) who invest (contribute) in anonymous partnership contribution 1c (see FIG. 1), trust bank 3 (corresponding to trustee), asset manager 5 (corresponding to investment manager), administrative management company 6 (corresponding to administrator), lender 7a (corresponding to lender), mezzanine lender 7a (corresponding to lender), and subscription sales company 8 (corresponding to token administrator) based on payment instructions from outside.

[0070] In addition, for users who have created accounts with financial institutions (e.g., AAA Bank) that operate the financial institution system 11, the data (account data) of the created accounts is stored in the account DB device 15, and in this embodiment, multiple account tables are stored that store financial institution account data related to ABC LLC corresponding to LLC GK (see Figure 1), and XYZ Recruiting and Sales Company corresponding to Recruiting and Sales Company 8 (see Figure 1), etc.

[0071] The management and operation system 20 included in the payment control system 50 is a system operated primarily by the XYZ recruitment and sales company corresponding to the recruitment and sales company 8 shown in FIG. 1. The XYZ recruitment and sales company that operates the management and operation system 20 provides a token trading service related to the recruitment and sales of the above-mentioned tokens (security tokens) and bilateral transactions. Users (equivalent to investors) who wish to buy or sell tokens will do so via the token trading service provided by the XYZ recruitment and sales company, but before doing so, they must register with the service and open an account for token trading. The token trading service provided by the XYZ recruitment and sales company provides users with opportunities to buy and sell tokens via a website, application software installed on users' devices, or at a storefront.

[0072] The management and operation system 20 includes a management and operation server 21, a batch processing server 25, and a database server 27 (hereinafter referred to as the DB server 27). Each of the investors A, B, C, etc. who invests (contributes) in the anonymous partnership contribution 1c (see FIG. 1) becomes a registered user (customer) of the token trading service provided by the XYZ soliciting and selling company, and information related to each of these investors is stored in the management and operation system 20. Furthermore, information indicating the number of security tokens owned by each of the investors A, B, C, etc. (corresponding to owned token information) is stored in the blockchain (in this embodiment, the blockchain related to the BC system 30) as described above, but is also stored in the management and operation system 20 (DB server 27) to enable processing and handling without using the blockchain. The management and operation server 21, batch processing server 25, and DB server 27 included in the management and operation system 20 treat the financial institution system 11 (financial institution server 12) as an external system (external financial institution server 12).

[0073] The BC system 30 included in the payment control system 50 is a network system in which multiple nodes (corresponding to computer devices 31 in this embodiment) that manage the blockchain are connected via peer-to-peer communication. The blockchain type used by the BC system 30 in this embodiment is a private chain, and this BC system 30 is also primarily operated by XYZ Recruiting and Sales Company. Therefore, the management and operation system 20 and BC system 30 function as the payment control system 50 operated by XYZ Recruiting and Sales Company. Note that, from the perspective of the BC system 30 (and the computer devices 31 that are nodes constituting the BC system 30), the financial institution system 11 (financial institution server 12) described above is treated as an external system (external financial institution server 12). Each of these systems 11, 20, 30, etc. will be described in more detail below.

[0074] Figure 3 shows an overview of the internal hardware configuration of financial institution server 12 included in financial institution system 11 shown in Figure 2. This financial institution server 12 performs processing such as instruction control on information related to users' financial institution accounts (deposit accounts) stored in account DB device 15 included in financial institution system 11 of Figure 2, and also controls linkage processing with other financial institution accounts (deposit and withdrawal processing between one account and another account) in response to requests from external systems. Note that while Figure 2 shows only one financial institution server 12 in financial institution system 11, financial institution server 12 may also be configured by combining multiple devices such as server computers by performing distributed processing, and such a configuration with multiple devices also corresponds to financial institution server 12 according to the present invention.

[0075] In this embodiment, a general server computer (server device) is used as the financial institution server 12, and various module devices are connected to an MPU 12a that performs overall control and various processes via internal connection lines 12h. The various module devices include a communication module 12b, a RAM 12c, a ROM 12d, an input interface 12e, an output interface 12f, and a memory unit 12g.

[0076] The communication module 12b is a communication device (communication means) equivalent to a module for connecting to a network, and conforms to a required communication standard (for example, a LAN module conforming to IEEE). The communication module 12b is connected to the network via a required communication device (not shown, such as a router), and in this embodiment, enables communication with the payment control system 50 (management and operation system 20 and BC system 30) shown in Fig. 2 and other external systems (including database systems) such as other financial institution systems, as well as communication with other devices within the financial institution system 11 (such as the account DB device 15).

[0077] The RAM 12c temporarily stores contents, files, data, etc., associated with the processing of the MPU 12a, and the ROM 12d stores programs, etc., that define the basic processing contents of the MPU 12a. The input interface 12e is connected to a keyboard 12i, a mouse (not shown), etc., which accept operational instructions, etc., from a system administrator, etc. of the financial institution system 11, and transmits the operational instructions, etc., accepted from the system administrator, etc., to the MPU 12a. The output interface 12f is connected to a display 12j (display output device), and outputs contents associated with the processing of the MPU 12a to the display 12j, allowing the system administrator, etc., to check the current processing contents, etc.

[0078] The storage unit 12g stores programs, various data, various information, etc., and in this embodiment stores a system program P1, a financial institution processing program P2, a financial institution API 13, and a financial institution user table 14. The system program P1 defines various processes according to the operating system for the server, and the MPU 12a executes processes based on these definitions, allowing the financial institution server 12 to perform various functions as a server computer.

[0079] The financial institution processing program P2 includes programming content that specifies that the MPU 12a executes control processes related to the maintenance and management of registration information for users who have opened accounts at financial institutions that directly or indirectly manage and operate the financial institution system 11, and control processes related to deposits and withdrawals to the accounts, and such programming content allows the MPU 12a to function as various means. Specifically, the financial institution processing program P2 specifies that when the financial institution server 12 receives via the communication module 12b information required when a user opens an account at a financial institution (such as a bank) (user name, address, telephone number, email address, user information related to automatic transfers, etc.), the MPU 12a executes a process of issuing an account number corresponding to the user and storing the issued account number and the received user information (user information) as a set in the financial institution user table 14.

[0080] The financial institution processing program P2 also performs processing related to deposits and withdrawals, and when it receives a deposit notification from an external source, it sends the deposit information to the account DB device 15, which will be described later, and stores the deposit amount and other information in the deposit destination account, thereby performing the deposit processing. In addition, upon completion of such deposit processing, the financial institution processing program P2 also prescribes processing corresponding to a service that notifies a predetermined notification destination registered in the financial institution user table 14 that a deposit has been made. The content of the notification includes information such as the name of the deposit, the amount of the deposit, and the source of the deposit (the depositor).

[0081] In this embodiment, rent from each real estate tenant 4 (see Figure 1) of a rental real estate property is initially paid to a financial institution account of the trust bank 3 (see Figure 1). Once the trust bank 3 has completed payment of rent from each real estate tenant, it aggregates the total rent paid by each real estate tenant and deposits it by debit or other means into the financial institution account of ABC LLC (for example, the account of ABC LLC at AAA Bank).

[0082] As will be described later, the financial institution user table 14 has pre-registered destinations for notification in the event of a deposit, and the address of the payment control system 50 (BC system 30 via the management operation system 20) is registered as the destination for notification in the event that rent is deposited from the trust bank 3 into the financial institution account of ABC LLC. Therefore, when rent is deposited (transferred or debited) from the trust bank 3 to ABC LLC, the MPU 12a executes processing to send a deposit notification (rent deposit notification) to the BC system 30 informing that the rent has been deposited, in accordance with the provisions of the financial institution processing program P2.

[0083] Furthermore, the financial institution processing program P2 prescribes that when the communication module 12b receives an instruction (payment instruction) for payment by transfer, debit, or the like from an external source, the MPU 12a executes a payment process in which withdrawal information is sent to the account DB device 15 and the instructed amount is paid by transfer or the like from the payer's account (the user's account whose user information is stored in the financial institution user table 14) to the instructed payee's financial institution account. If the instructed payee is a financial institution (e.g., BBB Bank) different from the financial institution (e.g., AAA Bank) that operates the financial institution system 11, the payment process is performed in an external system related to the different financial institution. On the other hand, if the instructed payee is the same financial institution (e.g., AAA Bank) as the financial institution (e.g., AAA Bank) that operates the financial institution system 11, the payment process is performed in an internal system related to the financial institution system 11.

[0084] When the payment processing as described above is performed and the payment is completed, a notification of payment completion is sent to the payer under the control of MPU 12a. In addition, financial institution processing program P2 also specifies that MPU 12a performs processing to send a payment completion notification to the notification destination stored in advance in financial institution user table 14.

[0085] The payment of dividends according to the present invention is performed using the processing prescribed by the financial institution processing program P2. For example, when rent is deposited, the MPU 12a performs processing to send a rent deposit notice (corresponding to a smart contract activation notice according to the present invention) to the BC system 30 in the payment control system 50 based on the information stored in the financial institution user table 14. In addition, as this rent deposit notice is sent, the financial institution server 12 receives various payment instructions, as will be described later. Based on these various payment instructions, the MPU 12a performs processing related to payments to the trust bank 3, the asset manager 5, the administrative management company 6, the lender 7a, the mezzanine lender 7a, and the soliciting and selling company 8 (XYZ soliciting and selling company).

[0086] The trust dividend paid to the soliciting and selling company 8 (XYZ soliciting and selling company) becomes the source of the dividends to each investor, so when the trust dividend (source of the dividends) is deposited into the financial institution account of the XYZ soliciting and selling company, the financial institution server 12 performs processing to send a trust dividend deposit notice (source of funds deposit notice; equivalent to the smart contract activation notice according to the present invention) to the BC system 30 in the payment control system 50. Then, as described below, in conjunction with the transmission of this trust dividend deposit notice, the financial institution server 12 receives a payment instruction related to the dividends, and based on this payment instruction, the MPU 12a performs processing related to the payment of the amount instructed in the payment instruction to the financial institution account of each investor.

[0087] Furthermore, financial institution API 13 stored in memory unit 12g is an API (Application Programming Interface) that performs processing between an application located outside financial institution server 12 and the above-mentioned financial processing program P2. In this embodiment, when performing processing related to payment (transfer or withdrawal) by the above-mentioned financial institution processing program P2, when a payment instruction is received from the outside by communication module 12b due to the operation of an external application, the payment instruction calls financial institution API 13, and the content included in the payment instruction is transmitted to financial institution processing program P2 via financial institution API 13, causing financial institution processing program P2 to perform the above-mentioned processing related to payment.

[0088] 4 shows an outline of the main contents of the financial institution user table 14 stored in the storage unit 12g. This financial institution user table 14 stores information (user information) related to users who have opened accounts with the financial institution (e.g., AAA Bank) that operates the financial institution system 11, and the user information is stored in association with the account number. As mentioned above, the account number is issued for each user by the MPU 12a based on the provisions of the financial institution processing program P2. If the financial institution that operates the financial institution system 11 has branches in addition to a head office, the head office, head office number, or the name and branch number of the branch where the user applied for the account are also stored in the financial institution user table 14 in association with the user's account number.

[0089] The user information stored in financial institution user table 14 in association with the account number is information provided by the user to the financial institution when the account was opened, and includes information identifying the user, such as the user's name (or corporate name in the case of a corporation), address, telephone number, and email address, as well as information regarding the contact to be notified of the completion of processing related to deposits or withdrawals by transfer or deduction (notification contact information), which is also stored in association with the user's account number (notification contact information is stored in notification contact field 14a). The notification contact information includes information such as the subject of the deposit or withdrawal, the name of the deposit source or withdrawal destination, the name of the contact, and the contact's network address. To enable multiple deposit or withdrawal notifications to be made for a single account, multiple pieces of notification contact information can be stored in notification contact field 14a in association with a single account number.

[0090] In the example of financial institution user table 14 shown in Figure 4, the notification information stored in notification column 14a corresponding to ABC LLC includes information indicating the nominal item "rent," the name of the deposit source "trust bank 3" (see Figure 1), and the address of the notification destination related to BC system 30 in payment control system 50. Also, the notification information stored in notification column 14a corresponding to XYZ solicitation and sales company includes information indicating the nominal item "trust dividend," the name of the deposit source "ABC LLC," and the address of the notification destination related to BC system 30 in payment control system 50.

[0091] 5(a) shows an overview of the account DB device 15 included in the financial institution system 11 shown in FIG. 2. The account DB device 15 of this embodiment is a general-purpose database device that associates information regarding deposits and withdrawals, etc., of each user's account (such as a deposit account) that has opened an account at a financial institution with a time and date and stores the information as a table for each user's account. The internal configuration generally includes a control unit 15a, a communication unit 15b, and a DB unit 15c. The control unit 15a performs various overall control processes related to the account DB device 15, and the communication unit 15b communicates with the financial institution server 12, etc., to send and receive information regarding deposits and withdrawals, etc., related to financial institution accounts.

[0092] The DB unit 15c stores a database (DB), and in this embodiment, stores a financial institution account DB16. This financial institution account DB16 includes a table storing, for each user who has opened a financial institution account (such as an account for deposits), information on deposits and withdrawals to and from the user's financial institution account. In FIG. 5(a), the financial institution account DB16 includes multiple account tables, such as corporate account tables for ABC LLC account table 17 and XYZ Recruiting and Sales Company account table 18, and an individual user account table for User A account 19. These corporate or individual account tables correspond to the financial institution accounts (e.g., deposit accounts) of the corporate or individual users, and are created in the financial institution account DB16 under the control of the control unit 15 when each user applies to open an account at a financial institution.

[0093] 5(b) shows an overview of part of the contents of account table 17 of ABC LLC, as an example of an account table included in financial institution account DB 16. This account table 17 includes the account name, account number, and current account deposit amount in summary column 17a at the top, and stores information on deposits and withdrawals (deposit and deposit amounts) to ABC LLC's financial institution account (savings account) in association with date and time in deposit and withdrawal column 17b below summary column 17a. Storing information in account table 17 is performed by the control processing of control unit 15a based on information received from financial institution server 12 by communication unit 15b.

[0094] For example, when communication unit 15b receives deposit information indicating ABC LLC's account number, deposit amount (amount), deposit source, deposit-related items, etc. from financial institution server 12, control unit 15a uses ABC LLC's account number included in the received deposit information as a clue to identify ABC LLC's account table 17 from financial institution account DB 16 stored in DB unit 15c, and performs control processing to store each piece of information included in the deposit information (deposit, deposit source, items, etc.) along with the date and time of receipt of the deposit information in identified ABC LLC's account table 17. Through this control processing related to deposits, the amount of the deposit is automatically added to the deposit / withdrawal column 17b of ABC LLC's account table 17 in association with the date and time, and the current account deposit amount included in summary column 17a is also updated.

[0095] Furthermore, when the communication unit 15b receives from the financial institution server 12 withdrawal information (payment instructions) indicating the account number of ABC LLC, the withdrawal amount (amount), items related to the withdrawal, and withdrawal destination information (the name of the financial institution to which the withdrawal is made, the financial institution identification number, the account name and account number of the withdrawal destination, etc.), the control unit 15a uses the account number of ABC LLC contained in the received withdrawal information as a clue to identify the account table 17 of ABC LLC from the financial institution account DB 16 stored in the DB unit 15c, and compares and verifies whether the current account deposit amount in the identified account table 17 of ABC LLC is equal to or greater than the amount contained in the received withdrawal information.

[0096] If the current account deposit amount is equal to or greater than the amount included in the received withdrawal information, a control process is performed in which the amount included in the withdrawal information is stored as the amount to be withdrawn in the deposit / withdrawal column 17b of ABC LLC's account table 17 in association with the date and time, and a control process is also performed in which payment information indicating such withdrawal amount and withdrawal destination is generated by referencing the withdrawal amount and withdrawal destination information included in the withdrawal information, and this information is sent from the communication unit 15b to the sender indicated by the withdrawal destination information. Note that when such a withdrawal process is performed, the current account deposit amount in ABC LLC's account table 17 (the balance amount included in the summary column 17a) is automatically deducted by the amount of the withdrawal and updated.

[0097] On the other hand, if the above comparison shows that the current account deposit amount in the account table 17 of ABC LLC is less than the withdrawal amount included in the received withdrawal information, the amount included in the withdrawal information cannot be withdrawn, so the control unit 15a performs control processing to generate non-payment information indicating that the deposit amount in the deposit account of ABC LLC is insufficient to make the withdrawal, and transmits this information from the communication unit 15b to the sender of the withdrawal destination information.

[0098] The above example was explained using the account table 17 of ABC LLC, but the same applies to other account tables stored in financial institution account DB 16. Furthermore, if the target financial institution has multiple branches, etc., a database like the above-mentioned financial institution account DB 16 will be provided for each branch, etc. In this case, information identifying the branch, etc. will be added to the database for each branch to specify each user's account table stored in each database, and the deposit, withdrawal, payment information, etc. sent and received from the above-mentioned communication unit 15b will also include information identifying the branch, etc.

[0099] Figure 6 shows an overview of the internal hardware configuration of the management server 21 included in the management system 20 in the payment control system 50 shown in Figure 2. The management system 20 not only performs overall management of the payment control system 50, but also plays a central role in the communication processing of the payment control system 50, and transmission and reception within the payment control system 50 is carried out via the management system 20 (management server 21). Therefore, even if a transmission is made from outside the payment control system 50 to the BC system 30, such a transmission will be sent to the BC system 30 via the management system 20 (management server 21), and also when a transmission is made from the BC system 30 to an outside of the payment control system 50, such a transmission will be sent to an outside of the payment control system 50 via the management system 20 (management server 21).

[0100] As mentioned above, the management operation system 20 (management operation server 21) is primarily operated by the XYZ solicitation and sales company, and stores information about each investor who is a customer of the XYZ solicitation and sales company (investors who contribute to the anonymous partnership investment portion 1c in Figure 1). By referring to the information about each investor, the management operation system 20 acts as an intermediary between the financial institution system 11 (financial institution server 12) shown in Figure 2 and the BC system 30 (computer device 31), assisting in the exchanges between the two and performing various processes to ensure smooth payment of dividends to investors, etc.

[0101] Like the financial institution server 12 described above, the management and administration server 21 in this embodiment also uses a general server computer (server device), and as shown in FIG. 6, various module devices, etc. are connected to an MPU 21a that performs overall control and various processes via internal connection lines 21h, and the various module devices, etc. include a communication module 21b, RAM 21c, ROM 21d, input interface 21e, output interface 21f, and storage unit 21g. Note that, as with the financial institution server 12 described above, the management and administration server 21 may be configured by combining multiple server computers or other devices through distributed processing, etc. The communication module 21b, RAM 21c, ROM 21d, input interface 21e, and output interface 21f have the same mechanisms as those of the financial institution server 12, so a description thereof will be omitted.

[0102] The memory unit 21g stores programs, various data, various information, etc., and in this embodiment stores the system program P10, the transaction program P11, the user DB 22, and the payment table 23. The system program P10 is equivalent to the system program P1 of the financial institution server 12, and the management and operation server 21 performs various functions as a server computer by the MPU 21a executing processing based on the contents of this system program P10. Before explaining the transaction program P11, the user DB 22 and the payment table 23 will be explained.

[0103] 7 shows an overview of part of the contents of the user DB 22 stored in the storage unit 21g. The user DB 22 stores information on users (investors) who have registered with the token trading service of the XYZ soliciting and selling company and opened an account for token trading. Upon completion of account registration, a user ID for identifying the user is assigned to each user by the XYZ soliciting and selling company (operation management server 21), and the user DB 22 stores various information about the user in association with the assigned user ID.

[0104] Specifically, the user DB 22 stores, for each user ID, the user's name, address, telephone number, email address, UID (identification information of the user terminal), occupation, PW (password), information on the financial institution (bank, etc.) used by the user (information necessary for payment of dividends, such as bank name, branch name, and financial institution account number), and the account number of the user's token trading account opened with the XYZ solicitation and sales company (the number stored in the token trading account field 13a). In this embodiment, the registered email address is used as the login ID for logging in, and the PW uses alphanumeric information set by the user himself / herself at the time of user registration.

[0105] In addition, the optional payment column 13b of the user DB 22 stores information related to payment services that can be used to purchase tokens. In this embodiment, tokens are basically purchased using funds transferred from a financial institution account (e.g., a deposit account) to a token trading account of the XYZ soliciting and selling company. However, purchase methods using other optional payment services are also supported. For example, the XYZ soliciting and selling company's trading service supports purchasing tokens using funds directly deposited in a financial institution account (deposit account) without transferring funds from the financial institution account to the token trading account (purchase using a real-time account transfer service), as well as purchasing tokens using various cards such as credit cards (cards for purchases based on a credit sales system), debit cards (cards for purchases based on immediate payment from a deposit account), and prepaid cards (cards for purchases based on a prepaid payment system).

[0106] The option payment field 13b of a user who has set a purchase method for such an optional payment service stores information about the purchase method for the set optional payment service. Note that the option payment field 13b of a user who has not set a purchase method for an optional payment service is left blank. Furthermore, the trading account balance field 13c of the user DB22 stores the balance (balance in yen) of each user's token trading account. Note that the balance in the trading account balance field 13c is updated as tokens are purchased or sold.

[0107] 8 shows an overview of the contents of payment table 23 stored in memory unit 21g. Payment table 23 stores information about other payments accompanying the dividend payment of the present invention (information about payments by ABC LLC), and in this embodiment, records information about each payment, such as the trust fee to trust bank 3 shown in FIG. 1, the investment management fee to asset manager 5, the management fee (contract fee) to administrative management company 6, as well as principal and interest on loans to lender 7a and mezzanine lender 7a, and trust dividend to XYZ solicitation and sales company.

[0108] As an example, for the trust bank 3, the payment subject and information on the financial institution to which the payment is to be made (transfer destination) (e.g., bank name, bank identification number, branch name, branch identification number, financial institution account number, etc.) are stored, and a predetermined amount is stored as the payment amount (amount corresponding to the investment trust management fee). The contents stored in this payment table 23 are the same for the trust bank 3, the administrative management company 6, the lender 7a, and the mezzanine lender 7a.

[0109] Furthermore, for XYZ soliciting and selling company, the payment subject, financial institution information of XYZ soliciting and selling company (e.g., bank name, bank identification number, branch name, branch identification number, etc.), and financial institution account number are also stored, but the amount of trust dividend payment to XYZ soliciting and selling company is specified by processing of management operation server 21, as will be described later, so the column for the payment amount to XYZ soliciting and selling company is left blank. The contents stored in payment table 23 are communicated from ABC LLC to XYZ soliciting and selling company when the GK-TK scheme shown in Figure 1 is established, and such communicated contents are stored in payment table 23 in advance. Note that if there is a change in the contents to be stored (e.g., payment amount), the contents stored in payment table 23 are updated as needed.

[0110] Next, the transaction program P11 stored in the storage unit 21g will be described. The transaction program P11 defines the content of the processing related to the token transaction service described above to be performed by the MPU 21a, and also defines that the MPU 21a performs various processes as various means to assist in the exchange between the financial institution system 11 (financial institution server 12) and the BC system 30 (computer device 31) in the payment processing of dividends, etc. according to the present invention.

[0111] Regarding the token trading service, when a user (investor) who has registered for this service uses the service via a website or the like, the trading program P11 prescribes various processes of the MPU 21a to display a screen related to the buying and selling of tokens on the communication terminal when the user logs in through the communication terminal, allowing the user to carry out the desired transaction. Since the price of tokens does not change frequently like stocks, and the asset manager 5 presents a unit price (e.g., once a day), token trading through the token trading service is managed on a daily basis, and data (contract data) indicating the results of the transaction (such as the history of token buying and selling) is sent to the BC system 30 under the control of the MPU 21a (the transaction data after being digitally signed is sent again to the BC system 30 as settlement data).

[0112] Furthermore, with regard to the specific processing of the payment of dividends, etc. according to the present invention, when the management and operation server 21 receives a rent deposit notice (information notifying the amount, source of deposit, name, etc.) addressed to the BC system 30 from the financial institution server 12, indicating that rent from the real estate lessee 4 of the rental real estate property has been deposited into the financial institution account of ABC LLC by debit, etc., the MPU 21a temporarily stores the received rent deposit notice in the RAM 21c and performs control processing to send (transfer) the rent deposit notice to the BC system 30.

[0113] Then, when the management and operation server 21 receives payment information sent from the BC system 30 via the communication module 21b as described below in conjunction with the sending of this rental amount deposit notification, the MPU 21a reads and identifies the deposit amount indicated in the deposit notification stored in the RAM 21c, and calculates the trust dividend as the amount obtained by subtracting the total amount of payments to the trust bank 3, asset manager 5, administrative management company 6, lender 7a, and mezzanine lender 7a stored in the payment table 23 from the identified amount (deposit amount equivalent to the rent).

[0114] MPU 21a then generates various payment instructions instructing payments to asset manager 5, administrative management company 6, lender 7a, mezzanine lender 7a, and XYZ solicitation and sales company, and performs processing to transmit these to financial institution system 11 (financial institution server 12). These various payment instructions include, for each of trust bank 3, asset manager 5, administrative management company 6, lender 7a, mezzanine lender 7a, and XYZ solicitation and sales company, financial institution information (bank name, bank identification number, branch name, branch identification number, etc.), financial institution account number, and payment amount stored in payment table 23 and read from payment table 23 (however, with regard to the payment amount to XYZ solicitation and sales company, the amount obtained by the calculation processing described above is included in the various payment instructions).

[0115] In addition, in conjunction with the transmission of the various payment instructions described above, when the management and operation server 21 receives a trust dividend deposit notice (information notifying the amount deposited, source of deposit, name, etc.) from the financial institution server 12 via the communication module 21b, indicating that the trust dividend has been deposited into the financial institution account of the XYZ solicitation and sales company by debit or the like, the MPU 21a temporarily stores the received trust dividend deposit notice (equivalent to the capital deposit notice) in the RAM 21c, and then transmits (transfers) the trust dividend deposit notice to the BC system 30.

[0116] Then, accompanying the transmission of this trust dividend deposit notice, the management and operation server 21 receives, via the communication module 21b, ratio information indicating the payment ratio of dividends to the contributors, transmitted from the BC system 30, as will be described later. Since this ratio information includes information indicating the ratio according to the number of tokens owned by each contributor (user ID), as will be described later, the MPU 21a performs a process of calculating (determining) the amount of dividends for each contributor by referring to the information indicating the ratio according to the number of tokens. For example, if the amount of the deposit amount (trust dividend) notified in the trust dividend deposit notice that can be used as the source of funds is 10 million yen (amount related to the source of funds) and contributor A's payment ratio is 1%, the amount of dividends to contributor A will be calculated as 100,000 yen.

[0117] Then, the MPU 21a generates a payment instruction instructing payment of the calculated amount for each contributor and transmits the instruction to the financial institution system 11 (financial institution server 12). This payment instruction includes a set of the calculated payment amount to each contributor and the financial institution account number of each contributor identified by referring to the user DB 22 (financial institution information required for payment). By transmitting such a payment instruction, the financial institution server 12 will pay each contributor an amount to be distributed at a contribution rate according to the number of tokens they own.

[0118] Fig. 9 shows an outline of the internal hardware configuration of the batch processing server 25 included in the management operation system 20 shown in Fig. 2. This batch processing server 25 is also operated by the XYZ solicitation and sales company, and is responsible for collating and backing up data related to the history of token trading results carried out through the token trading service provided by the XYZ solicitation and sales company through batch processing, and uses DB server 27 as a backup destination for the trading history data.

[0119] Like the financial institution server 12 and management and operation server 21 described above, the batch processing server 25 in this embodiment also uses a general server computer (server device), and various module devices, etc. are connected to an MPU 25a, which performs overall control and various processing, via internal connection lines 25h. The various module devices, etc. include a communications module 25b, RAM 25c, ROM 25d, input interface 25e, output interface 25f, and memory unit 25g. Similarly to the financial institution server 12 described above, the batch processing server 25 may be configured by combining multiple server computers or other devices through distributed processing or the like. The communications module 25b, RAM 25c, ROM 25d, input interface 25e, and output interface 25f have the same mechanisms as those in the financial institution server 12, etc., and therefore will not be described here.

[0120] The storage unit 25g stores programs, various data, various information, etc., and in this embodiment stores a system program P20, a batch processing program P21, etc. The system program P20 is equivalent to the system program P1 of the financial institution server 12, and the batch processing server 25 performs various functions as a server computer by having the MPU 25a execute processing based on the contents of this system program P20.

[0121] The batch processing program P21 appropriately collates token transaction data (including data representing the quantity of tokens owned by each contributor) stored in the BC system 30, and specifies that the MPU 25a performs control processing to read this transaction data from the BC system 30 and store it in the DB server 27 on a predetermined date basis (for example, on a daily basis).

[0122] FIG. 10 shows an overview of the main parts of the internal configuration of the DB server 27 included in the management operation system 20. Like the account DB device 15 shown in FIG. 5(a), the DB server 27 also uses a general-purpose database device. Therefore, the internal configuration of the DB server 27 is equivalent to that of the account DB device 15 shown in FIG. 5(a), and includes a control unit 27a, a communication unit 27b, and a DB unit 27c. The control unit 27a performs various overall control processes related to the DB server 27, and the communication unit 27b communicates with the batch processing server 25, etc., to obtain data related to the numerical values ​​of tokens owned by each contributor, and to transmit requested data to the source of a reference request in accordance with an external reference request.

[0123] The DB unit 27c stores a database (DB), and in this embodiment, stores an owned token DB 28. This owned token DB 28 stores the number of tokens owned by each user (investor) registered in the token trading system of XYZ soliciting and selling company, and the number of tokens owned by each user (information identifying the user (investor), such as user name and user ID) is associated with the number of tokens owned by that user. The contents stored in the owned token DB 28 are basically the same as the contents stored in the BC system 30 (data representing the number of tokens owned by each contributor).

[0124] That is, as described above, the batch processing server 25 reads token transaction data from the BC system 30 and stores it in the DB server 27. When the DB server 27 receives transaction data sent from the batch processing server 25 via the communication unit 27b, the received transaction data is written to the owned token DB 28 of the DB 27c under the control of the control unit 27b. As a result, the contents of the owned token DB 28 are updated as needed to become equivalent to the contents stored in the BC system 30, and the owned token DB 28 also serves as a backup storage means for the number of tokens owned by each contributor, which is stored in the BC system 30. The DB server 27 can also respond to inquiries to confirm the number of tokens owned by each contributor. In general, the DB server 27 responds more quickly to access requests than the BC system 30, so it may be more appropriate to make such inquiries to the DB server 27.

[0125] Next, the BC system 30 will be described. The BC system 30 is composed of at least one or more computer devices 31, which are nodes, and the blockchain associated with the BC system 30 of this embodiment is a private chain operated by the XYZ Recruitment and Sales Company. As described above, the blockchain associated with the BC system 30 stores information indicating the number of tokens owned by each investor (owned token information indicating the number of tokens owned by each investor), and payment control of dividends and the like according to the present invention is performed by a smart contract placed on the blockchain associated with the BC system 30.

[0126] 11 shows an overview of the main parts of the internal configuration of a computer device 31 corresponding to one of the nodes related to the BC system 30. A server computer is applied to the computer device 31 of this embodiment, and therefore the internal configuration of the computer device 31 is equivalent to the above-mentioned financial institution server 12, management operation server 21, and batch processing server 25. Various module devices, etc. are connected to a CPU 31a that performs overall control and various processes via internal connection lines 31h, and the various module devices, etc. include a communication module 31b, RAM 31c, ROM 31d, input interface 31e, output interface 31f, and memory unit 31g.

[0127] Note that various types of computers can basically be applied as nodes used in the BC system 30, and the main parts of the internal configuration of such various computers are common to those shown in Fig. 11, so Fig. 11 shows various types of computer equipment that can be used in nodes (for example, the contents shown in Fig. 11 are basically common even for general personal computers that are different from server computers). The communication module 31b, RAM 31c, ROM 31d, input interface 31e, and output interface 31f have the same mechanisms as those in the financial institution server 12 described above, so their explanations are omitted.

[0128] The storage unit 31g stores programs, various data, various information, etc., and in this embodiment stores a system program P30, a blockchain node program P31 (hereinafter referred to as the BC node program P31), an API 32, a blockchain database 33 (hereinafter referred to as the BC database 33), etc. The system program P30 is equivalent to the system program P1 of the financial institution server 12, and the CPU 31a executes processing based on the specified contents of this system program P30, causing the computer device 31 to perform various functions that a normal computer has.

[0129] The BC node program P31 specifies the processing of the CPU 31a for the computer device 31 to function as a node in the BC system 30, and specifies that the CPU 31a will perform routing processing, processing of the BC database 33, processing of tokens (security tokens), etc. in cooperation with the system program P30 based on communication between nodes using a peer-to-peer communication method.

[0130] Routing processing includes finding other nodes included in the BC system 30 and establishing a connection that enables communication. BC database 33 processing includes copying each block constituting the BC database 33 from other nodes to the node when joining the BC system 30, recording transaction details in blocks of the BC database 33, and reading details recorded in blocks of the BC database 33. Token processing includes issuing the token itself and generating and recording transaction data indicating transactions involving issued tokens.

[0131] The API 32 is an API (Application Programming Interface) related to a blockchain that performs processing intervening between an application located outside the BC system 30 and a program (including a smart contract, which will be described later) installed in a node (for example, a computer device 31) that constitutes the BC system 30. In this embodiment, the API 32 mediates with the outside of the BC system 30 so that a smart contract 41, which will be described later, is activated using a notification issued from a financial institution server 12, which is outside the BC system 30, as an argument.

[0132] FIG. 12 is an image diagram showing the recording status of the BC database 33 stored in the storage unit 31g. The BC database 33 (corresponding to a blockchain) is a distributed ledger (distributed database) in which a series of multiple blocks B1, B2, B3, etc. (see FIG. 11) are linked. In this embodiment, token transaction data 40 corresponding to the token transaction details, a smart contract 41, etc. are recorded in the BC database 33. As described above, the blockchain corresponding to the series of multiple blocks B1, B2, B3, etc. recorded in the BC database 33 corresponds to a private chain of authorized nodes (computer devices 31). Furthermore, by storing the smart contract 41 in the BC database 33 related to the blockchain in this way, it is placed on the blockchain.

[0133] The token transaction data 40 is data (corresponding to owned token information) that associates the number of tokens (security tokens) with the owner of the token (information identifying the owner (investor), such as user name and user ID). Such data content is updated as needed in response to token transactions, and as described above, the data content will be the same as the owned token DB 28 stored in the DB server 27 of the management operation system 20 after batch processing (daily processing) is completed (before the batch processing is completed, the data content recorded in both may differ depending on the occurrence of token transactions).

[0134] FIG. 12 shows that the BC database 33 records token transaction data 40 in which investor A owns 10 tokens (10 tokens), investor B owns 20 tokens (20 tokens), and investor C owns 30 tokens (30 tokens). The BC database 33 records transactions corresponding to token buying and selling, and by aggregating these transactions, the token balance of each investor can be determined. However, it is also possible to configure the database to store new token balances as they are newly added. The token transaction data 40 also stores the total number of tokens issued (total number of tokens).

[0135] The smart contract 41 included in the BC database 33 is a script-like program (corresponding to a computer program according to the present invention) that comprises a series of command description processes, and is activated (launched) in response to the BC system 30 (computer device 31, which is a node) receiving a notification (corresponding to a smart contract activation notification) from the outside, and specifies the processing to be performed when the smart contract is activated based on the content of the notification. Specifically, as described above, when rent from the real estate lessee 4 is deposited into the financial institution account of ABC LLC, a rent deposit notification (corresponding to a smart contract activation notification) is sent from the financial institution system 11 (financial institution server 12) to the BC system 30 via the management system 20 (management and operation server 21). Therefore, the smart contract 41 is designed to be activated (launched) in response to the BC system 30 (computer device 31) receiving this rent deposit notification via the API 32.

[0136] The activated smart contract 41 causes the CPU 31a of the computer device 31 to function as various means. Specifically, in response to receiving a rent payment notification via the API 32, the CPU 31a generates payment information instructing various payments and transmits it to the management and operation server 21 under the control of the activated smart contract 41. The payments instructed by this payment information include trust fees to the trust bank 3, asset management fees (investment management fees) to the asset manager 5, management fees to the administrative management company 6, principal and interest on loans to the lender 7a and mezzanine lender 7a, and various payments in accordance with trust dividends to the XYZ solicitation and sales company.

[0137] In addition, in conjunction with the transmission of the payment information described above, a trust dividend deposit notice (corresponding to a smart contract activation notice) is sent from the financial institution system 11 (financial institution server 12) to the BC system 30 (computer device 31, which is a node) via the management system 20 (management and operation server 21), so the smart contract 41 is designed to be activated (started) even when this trust dividend deposit notice is received by the BC system 30 (computer device 31) via the API 32. Then, according to the provisions of the activated smart contract 41, the CPU 31a of the computer device 31 reads the number of tokens owned by each contributor (corresponding to the value related to the distribution to each contributor) from the owned token information related to the token transaction data 40 recorded in the BC database 33, and performs processing to determine the distribution ratio for each contributor based on the read quantity. For example, if the number of tokens owned by all the read contributors is 1,000 and the number of tokens owned by a certain contributor (contributor A) is 10, CPU 31a determines that contributor A's distribution ratio (proportion related to distribution) is 1%.

[0138] Furthermore, the CPU 31a will generate ratio information (including information indicating the ratio for each identified contributor) that instructs payment to each contributor at the identified distribution ratio, and will perform the process of returning (sending) this to the management and operation server 21 based on the activated smart contract 41.

[0139] In this way, by sending payment information based on the provisions of the activated smart contract 41, it becomes possible to start all at once the processing related to the payment of the trust fee to the trust bank 3, the payment of the asset management fee (investment management fee) to the asset manager 5, the payment of the contract fee to the administrative management company 6, the payment of the principal and interest on the loan to the lender 7a and the mezzanine lender 7a, and the payment of the trust dividend to the XYZ solicitation and sales company, and payments to a large number of payees can be smoothly carried out under the control of the smart contract 41.

[0140] Then, after sending the payment information, by sending the ratio information based on the activated smart contract 41, the payment of the trust dividend to the XYZ solicitation and sales company, which is the source of the dividend to each investor, can be confirmed as having been paid, and then the process of paying the dividend to the investors can be started. At the same time, the dividend can be paid to each investor at the latest ratio based on the latest stored contents of the owned token information in the BC database 33. Even if there is a difference between the contents of the owned token DB28 stored in the DB server 27 and the number of owned tokens of each investor recorded in the BC database 33 due to the timing of the batch processing, the dividend can be paid to each investor according to the latest number of owned tokens.

[0141] 13 and 14 are first and second flowcharts showing the processing steps of the dividend payment method related to the dividend payment system 10, which is made up of the above-mentioned financial institution system 11 (financial institution server 12), the management operation system 20 (management operation server 21) included in the payment control system 50, and the BC system 30 (computer device 31 including the smart contract 41). Below, the series of processing contents (contents of the dividend payment method related to the present invention) will be explained based on these first and second flowcharts.

[0142] In the first step (S1), the financial institution system 11 (financial institution server 12) determines whether the rent from the real estate lessee 4 has been deposited from the trust bank 3 into the financial institution account of ABC LLC (S1). Each real estate lessee under contract is under contract to pay rent to the trust bank 3 by the monthly deadline, and the total amount of rent paid by each real estate lessee is deposited by debit or other means from the trust bank 3 into the financial institution account of ABC LLC.

[0143] If the rent has not yet been received (S1: NO), the system enters a waiting state for the payment, whereas if the rent has been received (S1: YES), the financial institution server 12 generates a rent payment notification (corresponding to a smart contract activation notification) based on the notification destination information associated with ABC LLC registered in the financial institution user table 14 (see Figure 4) and transmits it to the BC system 30 (S2). This rent payment notification includes information indicating the real estate rent as the deposit title, the total rent for each real estate tenant as the deposit amount, and the trust bank 3 as the deposit source. Furthermore, the destination of this rent deposit notification is the BC system 30, but in the payment control system 50 which includes the BC system 30, communication with the outside world is handled by the management operation system 20 (management operation server 21), so the rent deposit notification sent from the financial institution system 11 (financial institution server 12) is first received by the management operation system 20 (management operation server 21) and then sent (transferred) to the BC system 30.

[0144] In the first step (S10), the management operation system 20 (management operation server 21) determines whether or not a rent deposit notification has been received from the financial institution server 12. If a rent deposit notification has not been received (S10: NO), the management operation server 21 enters a state of waiting for reception, but if a rent deposit notification has been received (S10: YES), the management operation server 21 temporarily stores the received rent deposit notification in RAM 21c and, if necessary, calls the API 32 of the BC system 30 to perform processing to transmit (transfer) the received rent deposit notification to the BC system 30 (S11).

[0145] In the BC system 30, the computer device 31, which is a node constituting the BC system 30, determines in the first stage (S20) whether a rent payment notification has been received via the management and operation server 21, and if no payment notification has been received (S20: NO), the computer device 31 enters a notification waiting state. On the other hand, if a rent payment notification has been received (S20: YES), the received rent payment notification triggers the smart contract activation, and the smart contract 41 is activated (started) in the BC system 30 (computer device 31) (S21). Note that by receiving such a rent payment notification, the BC system 30 (smart contract 41) can determine that the funds (funding sources) for various payments have been secured, and can confirm that there are no financial problems even if it starts processing various payments.

[0146] In the BC system 30, in accordance with the provisions of the activated smart contract 41, the CPU 31a of the computer device 31 generates payment information corresponding to each of the payment instructions, namely, an instruction to the trust bank 3 to pay the trust fee, an instruction to the asset manager 5 to pay the asset management fee (investment management fee), an instruction to the administrative management company 6 to pay the contract fee, an instruction to the lender 7a and the mezzanine lender 7a to pay the principal and interest on the loan, and an instruction to the XYZ solicitation and sales company to pay the trust dividend (S22), and performs processing to send the generated payment information to the management operation system 20 (management operation server 21) (S23).

[0147] Regarding the generation and transmission of payment information, it is possible to either generate and transmit multiple pieces of payment information for each payment object, or to generate and transmit one collective payment information that includes all payment objects. Furthermore, upon transmission of the payment information, the smart contract 41 temporarily terminates its activation.

[0148] After sending (transferring) the rent payment notice at step S11, the management operation system 20 (management operation server 21) waits for payment information to be sent from the BC system 30 (S12), and if it does not receive it (S12: NO), it continues to wait for the receipt of payment information. On the other hand, if it receives payment information (S12: YES), the management operation server 21 makes the payment instructed by the received payment information by referencing the payment amounts of the trust bank 3, asset manager 5, administrative management company 6, lender 7a, and mezzanine lender 7a stored in payment table 23, and subtracts the total of these referenced payment amounts from the amount of receipt indicated in the rent payment notice (the total amount of rent from each real estate lessee) stored in RAM 21c to calculate the payment amount corresponding to the trust dividend to XYZ Solicitation and Sales Company (S13).

[0149] Then, management and operation system 20 (management and operation server 21) generates various payment instructions including information instructing payment of each payment amount to the designated financial institution accounts of trust bank 3, asset manager 5, administrative management company 6, lender 7a, mezzanine lender 7a, and XYZ soliciting and sales company, and performs a process of transmitting the generated various payment instructions to financial institution system 11 (financial institution server 12) (S14). Note that the payment amounts in these various payment instructions to the transfer destinations excluding XYZ soliciting and sales company (trust bank 3, asset manager 5, administrative management company 6, lender 7a, mezzanine lender 7a) correspond to the amounts stored in payment table 23, and the payment amount to XYZ soliciting and sales company is the amount calculated in step S13. Furthermore, with regard to the generation and transmission of various payment instructions, as with the payment information described above, multiple payment instructions may be generated for each target and transmitted separately, or a single collective payment instruction including each target may be generated and transmitted.

[0150] After sending the rent deposit notification at step S2, the financial institution system 11 (financial institution server 12) is ready to determine whether or not various payment instructions have been received (S3), and if not (S3: NO), it waits to receive them. If various payment instructions sent from the management operation server 21 are received at step S14 described above (S3: YES), the financial institution system 11 (financial institution server 12) performs processing to pay the instructed amount from the financial institution account of ABC LLC to each financial institution account (which may be its own account) specified in the information included in the various payment instructions (S4).

[0151] The processing related to payments at this S4 stage involves the monthly payment of trust fees to trust bank 3, payment of asset management fees (investment management fees) to asset manager 5, payment of contract fees to administrative management company 6, payment of principal and interest on loans to lender 7a and mezzanine lender 7a, and payment of trust dividends (equivalent to the source of distributions) to XYZ offering and sales company. Note that the processing related to payments at S4 can be carried out by either bank transfer or debit; for example, it is envisaged that the payment of trust dividends to XYZ offering and sales company will be carried out by debit, and the others will be paid by bank transfer.

[0152] Next, as shown in the second flowchart in Fig. 14, in the financial institution system 11 (financial institution server 12), the trust dividend is deposited into the financial institution account related to the XYZ solicitation and sales company through the payment process at stage S4, and a process is performed to send a notice of this deposit (trust dividend deposit notice, equivalent to a capital deposit notice) to the BC system 30 (S5). The trust dividend deposit notice (capital deposit notice) sent in this manner includes information indicating the amount of the trust dividend, and is sent to the BC system 30 in accordance with the notification destination information registered in the financial institution user table 14, and serves as a smart contract activation notice.

[0153] After sending various payment instructions in step S14, the management operation system 20 (management operation server 21) determines whether or not to receive a trust dividend deposit notice addressed to the BC system 30 (S15), and if not (S15: NO), continues to wait for reception. Also, if a trust dividend deposit notice is received (S15: YES), the management operation server 21 temporarily stores the received trust dividend deposit notice in RAM 21c, and, if necessary, calls the API 32 of the BC system 30 to perform processing to send (transfer) the trust dividend deposit notice to the BC system 30 (S16).

[0154] In the BC system 30, after sending payment information in step S23, the computer device 31, which is a node constituting the BC system 30, determines whether or not a trust dividend deposit notice sent via the management operation system 20 (management operation server 21) has been received (S24). If a trust dividend deposit notice has not been received (S24: NO), the computer device 31 enters a wait-for-receive state. Furthermore, if a trust dividend deposit notice has been received (S24: YES), the received trust dividend deposit notice triggers the activation of a smart contract, and a smart contract 41 is activated (started) in the blockchain related to the BC system 30 (S25). By receiving such a trust dividend deposit notice, the BC system 30 (smart contract 41) can determine that the source of funds (funds) for the dividends to each investor has been secured, and the dividend payment process can be carried out, confirming that no financial problems will arise.

[0155] In the BC system 30, based on the provisions of the activated smart contract 41, the CPU 31a of the computer device 31 reads the number of tokens owned by each contributor (corresponding to the value related to the distribution to each contributor) according to the owned token information in the token transaction data 40 recorded in the BC database 33, and determines the distribution ratio for each contributor according to each read quantity (S26). Then, based on the provisions of the activated smart contract 41, the computer device 31 (CPU 31a) generates ratio information including instructions to pay dividends to each contributor at the determined ratio (S27), and performs processing to transmit the generated ratio information to the management operation system 20 (management operation server 21) (S28). Note that upon transmission of this ratio information, the smart contract 41 terminates its activation.

[0156] After transmitting (transferring) the trust dividend deposit notice in step S16, the management operation system 20 (management operation server 21) waits for percentage information from the BC system 30 (S17). If percentage information is not received (S17: NO), the management operation server 21 continues to wait for the percentage information. On the other hand, if percentage information is received (S17: YES), the management operation server 21 performs a process to allocate to each contributor the amount available for distribution from the trust dividend included in the trust dividend deposit notice stored in RAM 21c, based on the percentage of payment for each contributor included in the received percentage information, thereby determining the amount to be distributed to each contributor (S18). For example, if the amount available for distribution from the trust dividend notified in the trust dividend deposit notice is 10 million yen, and the payment percentage for contributor A indicated in the percentage information is 1%, the management operation system 20 (management operation server 21) determines that the amount of distribution to contributor A is 100,000 yen, which is 1% of 10 million yen.

[0157] Then, in order to pay the amount specified for each investor to each investor, the management operation system 20 (management operation server 21) performs a process of generating a payment instruction to instruct the payment of the specified amount (equivalent to the amount of distribution for each investor) to the financial institution account of each investor registered in the user DB22, and transmitting the instruction to the financial institution system 11 (financial institution server 12) (S19).

[0158] After sending the trust dividend deposit notice at step S5, the financial institution system 11 (financial institution server 12) is ready to determine whether or not a payment instruction has been received (S6). If no instruction has been received (S6: NO), the system waits for the instruction. On the other hand, if the payment instruction sent at step S19 described above has been received (S6: YES), the financial institution system 11 (financial institution server 12) performs processing to pay the specified amount from the financial institution account of XYZ Recruiting and Sales Company to the financial institution account of each investor specified in the payment instruction (S7). Through this payment processing at step S7, each investor can receive monthly dividends in conjunction with the real estate lessee's monthly rent payments. The amount that can be received corresponds to the latest number of tokens owned by each investor stored in the BC system 30, allowing the investor to earn a profit corresponding to their investment.

[0159] As explained above, in the present invention, the payment of trust fees to the trust bank 3, the payment of asset management fees (investment management fees) to the asset manager 5, the payment of contract fees to the administrative management company 6, the payment of principal and interest on loans to the lender 7a and the mezzanine lender 7a, and the payment of trust dividends to the XYZ solicitation and sales company are made based on payment information from the smart contract 41, and the payment of dividends to each investor is made based on payment instructions from the smart contract 41, so that various payments in the GK-TK scheme can be made smoothly with the smart contract 41 as the main control.

[0160] Note that the embodiments of the present invention are not limited to the above-described description, and various modifications are possible. For example, in the above description, both the payments to the trust bank 3, the asset manager 5, the administrative management company 6, the lender 7a, the mezzanine lender 7a, and the XYZ public offering and sales company (the content shown in the first flowchart in FIG. 13) and the payment of dividends to each investor (mainly the content shown in the second flowchart in FIG. 14) are performed based on the provisions of the smart contract 41. However, the control by the smart contract 41 can be either the former content (the content shown in the first flowchart in FIG. 13) or the latter content (the content shown in the second flowchart in FIG. 14).

[0161] If the contents shown in the first flowchart of Figure 13 (contents relating to payments to the trust bank 3, asset manager 5, administrative management company 6, lender 7a, mezzanine lender 7a, and XYZ solicitation and sales company) are removed from the processing based on smart contract 41, the contents shown in the second flowchart of Figure 14 will become the processing contents based on smart contract 41, and the processing related to the present invention will begin with a trust dividend deposit notice (trust dividend deposit notice to XYZ solicitation and sales company) sent by financial institution server 12.

[0162] In this way, when the content shown in the first flowchart in Fig. 13 deviates from the processing based on the smart contract 41, it is possible to consider that the processing content shown in the first flowchart in Fig. 13 that is performed by the BC system 30 may be performed by the management operation system 20 (management operation server 21). Specifically, when a rent deposit notice sent from the financial institution server 12 is received at step S10 (S10: YES), the deposit notice is not forwarded to the BC system 30 (processing of S11 and S12 is not performed), and the processing at step S13 (calculation of the amount of trust dividend to XYZ Solicitation and Sales Company) is performed, and then the processing at step S14 (transmission of various payment instructions to instruct the transfer of each payment amount to the designated financial institution accounts of the trust bank 3, asset manager 5, administrative management company 6, lender 7a, mezzanine lender 7a, and XYZ Solicitation and Sales Company) is performed. In such a variant, the processing target based on the smart contract 41 can be narrowed down to the processing related to the payment of dividends to each investor (the processing shown in the second flowchart of Figure 14), thereby reducing the processing burden on the BC system 30, while at the same time, by not involving the BC system 30 in the payment processing to the trust bank 3, the asset manager 5, the administrative management company 6, the lender 7a, the mezzanine lender 7a, and the XYZ solicitation and sales company, these payment processing can be sped up.

[0163] Furthermore, in addition to the processing contents performed by the BC system 30 shown in the first flowchart of Figure 13 being performed by the management operation system 20 (management operation server 21), it is also possible to have all processing performed by the financial institution system 11 (financial institution server 12). That is, in this modified example, the payment information (information such as the payment account destination and payment amount) shown in payment table 23 in FIG. 8 is stored in advance in financial institution server 12 (for example, stored in memory unit 12g), and when financial institution server 12 determines (detects) that the trust bank 3 has deposited rent from real estate lessee 4 into the financial institution account of ABC LLC (see S1: YES in the first flowchart in FIG. 13), the deposit triggers the financial institution server 12 to refer to the stored payment information and transfer a predetermined amount to each of the predetermined financial institution accounts of trust bank 3, asset manager 5, administrative management company 6, lender 7a, and mezzanine lender 7a, and further calculates the payment amount to XYZ Soliciting and Sales Company by subtracting the total amount of payments to trust bank 3, asset manager 5, administrative management company 6, lender 7a, and mezzanine lender 7a from the amount of the deposited rent, and also performs a process of depositing the calculated amount into the financial institution account of XYZ Soliciting and Sales Company. By doing so, it becomes possible for the contents shown in the first flowchart of FIG. 13 to be entirely performed by the financial institution system 11 (financial institution server 12).

[0164] 13, the processing performed by the BC system 30 covers payments to the trust bank 3, asset manager 5, administrative management company 6, lender 7a, mezzanine lender 7a, and XYZ soliciting and sales company as targets of payment information, but rather than covering all payments to the trust bank 3, asset manager 5, administrative management company 6, lender 7a, mezzanine lender 7a, and XYZ soliciting and sales company as targets of payment information generated by the BC system 30, at least one of the above payments may be covered by the payment information to reduce the processing burden on the BC system 30. Items not covered by the payment information from the BC system 30 may be processed by the management operation system 20 (management operation server 21) or financial institution system 11 (financial institution server 12), as in the modified example described above, or by an operator's operation instructions.

[0165] Regarding the processing based on the smart contract 41, if the payment processing of dividends to each contributor (the processing shown in the second flowchart of FIG. 14) is excluded, the processing content shown in the first flowchart of FIG. 13 becomes the processing content based on the smart contract 41. In this case, the processing content performed by the BC system 30 shown in the second flowchart of FIG. 14 is performed by the management operation system 20 (management operation server 21). Specifically, when a trust dividend deposit notice sent from the financial institution system 11 (financial institution server 12) is received at step S15 (S15: YES), the trust dividend deposit notice is not forwarded to the BC system 30 (the processing of S16 and S17 is not performed). Instead, the owned token information included in the owned token DB 28 stored in the DB server 27 is referenced to identify the quantity of tokens owned by each contributor, and the payment ratio for each contributor according to the identified quantity is identified, and then the processing of step S18 (identification of the payment amount to each contributor) is performed.

[0166] When the operation management server 21 determines the number of tokens owned by each contributor in this manner, the number of tokens owned by each contributor stored in the BC data 40 of the BC system 30 may differ from the contents of the owned token DB 28 stored in the DB server 27 depending on the timing of daily processing (batch processing), the time of token transactions, etc. Therefore, it is preferable to perform processing to determine the number of tokens owned by each contributor by referring to the owned token information contained in the owned token DB 28 (see FIG. 10) after daily processing (batch processing) is performed, or to clearly state in the contract terms under which each contributor trades tokens that the amount of distribution will be determined based on the owned token information contained in the owned token DB 28 at a certain point in time (for example, the time when payment processing is performed to the financial institution server 12 at step S4).

[0167] Furthermore, in the processing shown in the second flowchart of Fig. 14, instead of omitting all of the processing of the BC system 30, it is also possible to omit only some of the processing and have the omitted processing performed by the management operation system 20 (management operation server 21). Specifically, at step S26 of the second flowchart of Fig. 14, the proportion of distribution to each contributor is not specified, but the number of tokens owned by each contributor (corresponding to the value of distribution to each contributor) is read out in accordance with the owned token information in the token transaction data 40 recorded in the BC database 33, and information indicating the read number of tokens owned by each contributor is transmitted to the management operation system 20 (management operation server 21). In this case, upon receiving the information indicating the number of tokens owned by each contributor, the management operation system 20 (management operation server 21) specifies the proportion of distribution to each contributor based on the received information, and specifies the payment amount to be distributed to each contributor based on the specified proportion. This type of variation is advantageous because it reduces the processing burden on the BC system 30 and allows the amount of payment to each contributor to be determined based on the owned token information in the token transaction data 40 recorded in the BC database 33.

[0168] In the above embodiment, the target of the token (security token) investment was described as being leased real estate, but the target of the token investment is not limited to leased real estate. The present invention can also be applied to various real estate (station buildings, tenant buildings, hospitals, nurseries, etc.), various facilities (sports facilities, cultural facilities, tourist facilities, etc.), various businesses (energy businesses, power generation businesses, environmental restoration businesses, new product development businesses, accounts receivable businesses, precious metals / special metals businesses, art businesses, livestock-related businesses, agricultural crop-related businesses, food and beverage-related businesses, etc.), various movable property (aircraft, ships, buses, etc.), various entertainment businesses (movie-related businesses, game-related businesses, idol / celebrity-related businesses, performance-related businesses, sports-related businesses, etc.). Furthermore, the present invention may be used when a scheme other than the GK-TK scheme is used for the above-mentioned investment targets.

[0169] Furthermore, in the above-described embodiment, the blockchain related to the BC system 30 has been described as a private chain, but a consortium chain or a public chain may also be applied depending on the management system of the BC system 30 and the payment control system 50. Furthermore, to improve communication with the outside, a server for communication with the outside may be provided for the BC system 30, or a node for communication with the outside (computer device 31) may be provided for the BC system 30. In such a case, it is preferable to use an API related to the blockchain (see the above-described API 32) for the server or node for communication with the outside.

[0170] In addition, in terms of the number of nodes constituting the BC system 30, in addition to using multiple nodes, if emphasis is placed on improving processing speed and manageability, the blockchain may be constructed using a single node (computer device 31). In such a case, it is also preferable to introduce virtual machine specifications and virtually set up multiple nodes. [Example]

[0171] FIG. 15 shows the overall system configuration of a dividend payment system 100 according to a second embodiment of the present invention. In the dividend payment system 100 according to the second embodiment, as in the first embodiment, the financial institution system 110 and the payment control system 500 are communicably connected via a wide-area network NW, and the management and operation system 200 and BC system 300 included in the payment control system 500 are also communicably connected to each other. However, a feature of the second embodiment is that the BC system 300 is also communicably connected to the financial institution system 110 via the wide-area network NW. As a result, in the second embodiment, notices of rent deposits and trust dividend deposits, etc., can be sent from the financial institution system 110 to the BC system 300 without going through the management and operation system 200. In the following description of the second embodiment, the same reference numerals as in the first embodiment will be used for components equivalent to those in the first embodiment (except for the reference numerals of the dividend payment system 100, financial institution system 110, management and operation system 200, and BC system 300 listed above).

[0172] The financial institution system 110 performs payment processing based on payment instructions and has a configuration similar to that of the financial institution system 11 of the first embodiment, including a financial institution server 12 and an account DB device 15. The present embodiment differs from the first embodiment in that, in order to send rental payment deposit notifications and trust dividend deposit notifications to the BC system 300, the financial institution user table 14 stored in the storage unit of the financial institution server 12 registers a direct address related to the BC system 30 as the notification destination when a rental payment is deposited from the trust bank 3 into the financial institution account of ABC LLC, and registers a direct address related to the BC system 30 as the notification destination when a trust dividend is deposited from ABC LLC into the financial institution account of XYZ Recruiting and Sales Company. Furthermore, when the financial institution server 12 sends these notifications to the BC system 30, it may call the API 32 of the node (computer device 31) related to the BC system 30 and pass the notification contents as arguments.

[0173] The management operation system 200 included in the payment control system 500 is basically configured in the same way as the management operation system 20 of the first embodiment, and has an operation management server 21, a batch processing server 25, and a DB server 27. The difference from the first embodiment is that the operation management server 21 does not perform the process of transferring rental payment notifications and trust dividend payment notifications to the BC system 300.

[0174] The BC system 300 included in the payment control system 500 is basically configured in the same way as the BC system 30 of the first embodiment, and includes a node (computer device 31) related to the blockchain. One difference from the first embodiment is that it receives rent deposit notices and trust dividend deposit notices sent from the financial institution system 110 (financial institution server 12).

[0175] The third and fourth flowcharts shown in Figures 16 and 17 show the processing steps of the dividend payment method of the present invention related to the dividend payment system 100 according to the second embodiment. In the first stage (S50) of the third flowchart in Figure 16, similar to the stage S1 of the first flowchart (see Figure 13) of the first embodiment, the financial institution server 12 of the financial institution system 110 determines whether or not rent from the real estate lessee 4 has been deposited into the financial institution account of ABC LLC from the trust bank 3 (S50), and if rent has not yet been deposited (S50: NO), the system enters a state of waiting for deposit.

[0176] On the other hand, if the rent has been deposited (S50: YES), the financial institution server 12 generates a rent deposit notification (equivalent to a smart contract activation notification) based on the notification destination information associated with ABC LLC registered in the financial institution user table 14 of the second embodiment, and performs processing to call the API 32 related to the BC system 300 and send the rent deposit notification directly to the BC system 300 (a node related to the BC system 300) (S51).

[0177] In the first step (S70), the computer device 31, which is a node constituting the BC system 300 of the second embodiment, determines whether or not a rental fee deposit notification sent directly from the financial institution server 12 has been received, and if no deposit notification has been received (S70: NO), it enters a notification waiting state. On the other hand, if a rental fee deposit notification has been received (S70: YES), then in steps S71 to S73, it performs the same processes as steps S21 to S23 in the first flowchart of Fig. 13, and finally performs processing to send payment information to the management and operation server 21 of the solicitation and sales system 200 of the second embodiment (S73).

[0178] In the first step (S60), the management and operation server 21 of the solicitation and sales system 200 of the second embodiment determines whether payment information is to be sent from the BC system 30, and if not (S60: NO), waits to receive payment information. On the other hand, if payment information is received (S60: YES), then in steps S61 and S62, it performs the same processes as steps S13 and S14 in the first flowchart of Fig. 13, and finally performs processing to send various payment instructions to the financial institution server 12 of the financial institution system 110 of the second embodiment (S62).

[0179] The financial institution server 12 of the financial institution system 110 of the second embodiment sends a deposit notification at step S51, and then, similar to step S3 in the first flowchart of Figure 13, is in a state where it determines whether or not various payment instructions have been received (S52). If no payment instructions have been received (S52: NO), it waits to receive them. If various payment instructions have been received (S52: YES), similar to step S4 in the first flowchart of Figure 13, the financial institution server 12 executes payment processing of the specified amount from the financial institution account of ABC LLC to each financial institution account specified in the information included in the various payment instructions (S53), and monthly payments of trust fees to the trust bank 3, asset management fees (investment management fees) to the asset manager 5, contract fees to the administrative management company 6, principal and interest on loans to the lender 7a and mezzanine lender 7a, and trust dividends to the XYZ solicitation and sales company are made.

[0180] As described above, the processing of the third flowchart in the second embodiment has the advantage over the first flowchart shown in FIG. 13 in that the notification of rental payment is sent directly from the financial institution system 110 to the BC system 300, thereby reducing the processing burden on the solicitation and sales system 200 and simplifying the overall processing flow.

[0181] Next, the processing details (contents of the dividend payment method) related to the payment of dividends to each investor according to the second embodiment will be described with reference to the fourth flowchart shown in Fig. 17. When the financial institution system 110 (financial institution server 12) of the second embodiment completes the deposit of the trust dividend to the XYZ soliciting / selling company, it also transmits a trust dividend deposit notice notifying the completion of the deposit, and based on the notification destination information associated with the XYZ soliciting / selling company registered in the financial institution user table 14 of the second embodiment, it calls the API 32 related to the BC system 300 and performs processing to transmit this trust dividend deposit notice (corresponding to a smart contract activation notice) to the BC system 300 (a node related to the BC system 300) (S54).

[0182] The computer device 31, which is a node constituting the BC system 300 of the second embodiment, transmits payment information at step S73 shown in the third flowchart of Fig. 16, and then determines whether or not a trust dividend deposit notice (a notification of the completion of the deposit of the trust dividend to the XYZ solicitation and sales company, which corresponds to a smart contract activation notice) transferred from the financial institution server 12 has been received (S74). If the notification has not been received (S74: NO), the computer device 31 enters a notification waiting state. On the other hand, if the deposit notice has been received (S74: YES), the computer device 31 performs the same processes as those performed at steps S25 to S28 in the second flowchart of Fig. 14, and finally performs a process of transmitting the ratio information to the management and operation server 21 of the solicitation and sales system 200 of the second embodiment (S78).

[0183] After sending various payment instructions at step S62 in the third flowchart of Fig. 16, the management and operation server 21 of the solicitation and sales system 200 of the second embodiment determines whether or not it has received the ratio information sent from the BC system 300 (S63), and if it has not received it (S63: NO), it waits to receive it. On the other hand, if it has received the ratio information (S63: YES), it then performs the same processes as steps S18 and S19 in the second flowchart of Fig. 14 at steps S64 and S65, and finally performs processing to send the payment instructions to the financial institution server 12 of the financial institution system 110 of the second embodiment (S65).

[0184] The financial institution server 12 of the financial institution system 110 of the second embodiment sends a trust dividend deposit notification at step S54, and then, similar to step S6 in the second flowchart of Figure 14, enters a state in which it determines whether or not a payment instruction has been received (S55).If no instruction has been received (S55: NO), it waits for reception.If a payment instruction has been received (S55: YES), the financial institution server 12 executes processing to pay the specified dividend amount from the financial institution account of the XYZ solicitation and sales company to the financial institution account of each investor specified in the information included in the payment instruction (S56), similar to step S7 in the second flowchart of Figure 14.

[0185] As described above, the processing of the fourth flowchart in the second embodiment has the advantage over the second flowchart shown in Fig. 14 in that the notification of the deposit of the trust dividend is sent directly from the financial institution system 110 to the BC system 30, thereby reducing the processing burden on the solicitation and sales system 200 and simplifying the overall processing flow. The second embodiment is similar to the first embodiment except for the above-mentioned content.

[0186] Furthermore, various modifications can be envisioned for the second embodiment. For example, the processes performed by the solicitation and sales system 200 (management and operation server 21) in the third and fourth flowcharts described above may be performed by the BC system 300, so that various processes are completed between the financial institution system 110 and the BC system 300. Specifically, the user DB 22 (see FIGS. 6 and 7) and the payment table 23 (see FIGS. 6 and 8) stored in the management and operation server 21 are stored in the blockchain related to the BC system 300 of the second embodiment, and based on the smart contract 41 related to the BC system 300, the processes related to steps S61 and 62 in the third flowchart and the processes related to steps S64 and 65 in the fourth flowchart, which were performed by the MPU 21 of the management and operation server 21 based on the provisions of the transaction program P11, are performed by the BC system 300.

[0187] 18 and 19 show the processing steps of the dividend payment method of the present invention related to the dividend payment system 100 according to the modified example of the second embodiment described above. In these fifth and sixth flowcharts, the processing on the financial institution system 110 (financial institution server 12) side is basically the same as the content shown in the third and fourth flowcharts described above, and the financial institution server 12 determines whether rent from the real estate lessee 4 has been deposited into the financial institution account of ABC LLC from the trust bank 3 (S80), and if rent has not been deposited (S80: NO), it enters a deposit waiting state, and if rent has been deposited (S80: YES), it generates a rent deposit notification (equivalent to a smart contract activation notification), invokes the API 32 related to the BC system 300, and performs processing to send it to the BC system 300 (S81).

[0188] The computer device 31, which is a node constituting the BC system 300, also initially performs essentially the same processing as shown in the third and fourth flowcharts described above, determining whether or not a rent deposit notification has been received from the financial institution server 12 (S90). If the notification has not been received (S90: NO), the computer device 31 enters a notification waiting state. On the other hand, if the notification of rent deposit has been received (S90: YES), the smart contract 41 is activated (S91). In accordance with the provisions of the activated smart contract 41, the CPU 31a of the computer device 31 (node) references the payment amounts of the trust bank 3, asset manager 5, administrative management company 6, lender 7a, and mezzanine lender 7a stored in the payment table 23 stored in the BC system 300, subtracts the total of these referenced payment amounts from the amount of deposit indicated in the received deposit notification (the total amount of rent from each real estate lessee), and calculates the payment amount corresponding to the trust dividend to the XYZ solicitation and sales company (S92).

[0189] Then, the CPU 31a of the computer device 31 (node) refers to the user DB 22 (see FIG. 7) stored in the BC system 300, generates various payment instructions (including management fee payment instructions, trust fee payment instructions, fee payment instructions, principal and interest payment instructions, and trust dividend payment instructions) instructing the payment of each payment amount to each of the designated financial institution accounts of the trust bank 3, the asset manager 5, the administrative management company 6, the lender 7a, the mezzanine lender 7a, and the XYZ soliciting and selling company, and performs processing to transmit the various generated payment instructions to the financial institution system 110 (financial institution server 12) (S93). Note that the processing at steps S92 and S93 corresponds to the processing performed by the soliciting and selling system 200 (management and operation server 21) in the above explanation (see steps S61 and S62 of the third flowchart in FIG. 16).

[0190] In addition, various payment instructions may be sent to the financial institution system 110 (financial institution server 12) by the node computer device 31 (CPU 31a) reading the financial institution API 13 (see Figure 3) and passing the contents (information) of the various payment instructions as arguments, thereby sending the various payment instructions to the financial institution system 110 (financial institution server 12).

[0191] The financial institution server 12 of the financial institution system 110 sends a notification of the rental payment at step S81, and then determines whether or not various payment instructions have been received (S82), similar to steps S3 and 52 in the first and third flowcharts described above. If no payment instructions have been received (S82: NO), the financial institution server 12 waits to receive them. If a payment instruction has been received (S82: YES), the financial institution server 12 executes processing to pay the specified amount from the financial institution account of ABC LLC to each financial institution account specified in the information contained in the various payment instructions (S83), similar to steps S4 and 53 in the first and third flowcharts described above.

[0192] Through the processing related to this modified example, in conjunction with the monthly rent payment by the real estate tenant, there are made monthly payments of trust fees to the trust bank 3, asset management fees (investment management fees) to the asset manager 5, contract fees to the administrative management company 6, principal and interest payments on loans to the lender 7a and mezzanine lender 7a, and trust dividends to the XYZ solicitation and sales company. Furthermore, in this modified example, the solicitation and sales system 200 (management and operation server 21) is not involved in each of the above-mentioned payments, which has the advantage of reducing the processing burden on the solicitation and sales system 200 (management and operation server 21) and ensuring that the solicitation and sales system 200 (management and operation server 21) can be easily dedicated to processing the buying and selling of tokens (security tokens), etc.

[0193] Next, as shown in the sixth flowchart of Figure 19, when the deposit of the trust dividend to the XYZ soliciting and selling company is completed (see S83 in the fifth flowchart of Figure 18), the financial institution system 110 (financial institution server 12) calls the API 32 related to the BC system 300 based on the notification destination information associated with the XYZ soliciting and selling company registered in the financial institution user table 14, and performs processing to send a notification of the deposit of the trust dividend to the BC system 300 (a node related to the BC system 300) (S84).

[0194] After sending various payment instructions at step S93, the computer device 31 of the node related to the BC system 300 determines whether or not it has received a trust dividend deposit notice (corresponding to a smart contract activation notice) (S94). If it has not received a trust dividend deposit notice (S94: NO), it enters a state of waiting for reception. On the other hand, if it has received a trust dividend deposit notice (S94: YES), it activates the smart contract 41 (S95). Based on the provisions of the activated smart contract 41, the CPU 31a of the computer device 31 (node) identifies the number of owned tokens for each contributor (corresponding to the value related to distribution for each contributor) according to the owned token information included in the token transaction data 40 recorded in the BC database 33 (S96). It then allocates the amount of trust dividends included in the received trust dividend deposit notice that can be used as capital (amount related to capital) to each contributor in proportion to the identified number, and identifies the amount to be distributed to each contributor (amount of payment for each contributor) (S97).

[0195] Then, the CPU 31a of the computer device 31 (node) generates a payment instruction instructing payment of each payment amount (corresponding to the amount to be paid as a distribution to each contributor) identified in step S97 to the financial institution account of each contributor registered in the user DB22 based on the provisions of the activated smart contract 41, and performs processing to transmit the generated payment instruction to the financial institution system 110 (financial institution server 12) (S98). Note that, at the time of this transmission, similar to the case of transmitting the various payment instructions described above, the computer device 31 (CPU 31a) which is the node may read the financial institution API 13, pass the contents of the payment instruction as an argument, and transmit the payment instruction to the financial institution system 110 (financial institution server 12).

[0196] After sending the notification of deposit of the trust dividend at step S84, the financial institution server 12 of the financial institution system 110 determines whether or not a payment instruction has been received (S85). If no instruction has been received (S58: NO), the financial institution server 12 waits for reception of the instruction. If a payment instruction has been received (S85: YES), the financial institution server 12 performs processing to pay the specified amount of dividend from the financial institution account of the XYZ solicitation and sales company to the financial institution account of each investor specified in the information included in the payment instruction (S86).

[0197] In this way, the processing of the sixth flowchart related to the modified example does not involve the soliciting and sales system 200 (management and operation server 21) even in the processing related to the payment of dividends to each investor, which also has the advantage of reducing the processing burden on the soliciting and sales system 200 (management and operation server 21) and ensuring that the soliciting and sales system 200 (management and operation server 21) can easily be dedicated to processing the buying and selling of tokens (security tokens). Note that the various modified examples related to the first embodiment described above can also be applied to this second embodiment (including the modified examples related to the second embodiment described above). [Industrial Applicability]

[0198] The present invention can be suitably used for smoothly executing the process of paying dividends to each investor in a blockchain using tokens in the blockchain, using a smart contract placed on the blockchain. [Explanation of symbols]

[0199] 10, 100 Dividend payment system 11, 110 Financial Institution System 12 Financial institution server 13 Financial Institution API 14 Financial Institution User Table 15 Account DB device 16 Financial institution account database 20,200 Management and Operation System 21 Management and operation server 22 User DB 23 Pay Table 25 Batch Processing Server 27 DB Server 28 Owned Token DB 30, 300 BC system 31 Computer equipment (node) 32 API 33 BC Database 40 Token Transaction Data 41 Smart Contracts NW Network

Claims

1. A payment system comprising a blockchain system relating to a blockchain in which a smart contract is placed and a financial institution system that performs payment processing, wherein the smart contract is stipulated to control payment when activated, The financial institution system includes a means for transmitting a deposit notification to the blockchain system notifying the deposit of funds related to the payment, The blockchain system includes a means for receiving the deposit notification transmitted from the financial institution system, A payment system characterized in that when the deposit notification is received in the blockchain system, the deposit notification serves as an activation trigger to activate the smart contract.

2. The blockchain system comprises an application programming interface; 2. The payment system of claim 1, wherein the smart contract is activated upon receipt of the deposit notification via the application programming interface.

3. The financial institution system performs processing related to the payment of dividends to investors and transmits a fund deposit notice to the blockchain system as the deposit notice, notifying the deposit of funds related to the dividends, 3. The payment system of claim 1 or claim 2, wherein when the notification of the deposit of raw materials is received in the blockchain system, the notification of the deposit of raw materials serves as an activation trigger, and the smart contract is activated.

4. The blockchain records information indicating the number of tokens owned by each investor, A management and operation system capable of communicating with the blockchain system is provided, The blockchain system includes: A means for reading information indicating the number of tokens owned by each contributor recorded in the blockchain based on the activated smart contract; A means for transmitting information indicating the number of tokens owned by each contributor that has been read out based on the activated smart contract to the management and operation system; Equipped with The management and operation system includes: When receiving the information indicating the number of tokens owned by each contributor, a means for determining the amount of the deposited funds to be distributed to each contributor based on the received information indicating the number of tokens owned by each contributor; means for transmitting payment instructions for each identified contributor to the financial institution system; Equipped with The financial institution system A payment system as described in claim 3, which, when receiving the payment instruction, performs processing to pay the amount for each contributor specified in the received payment instruction to the financial institution account for each contributor.

5. a batch processing server that reads data on token transactions recorded on the blockchain from the blockchain system on a predetermined daily basis; a database server that stores the token transaction data read by the batch processing server; Equipped with 5. A payment system according to claim 4, wherein said database server transmits requested data in response to a reference request.

6. The source of the payment is the rent for the leased property, The financial institution system is configured to transmit a rent deposit notification to the blockchain system notifying that a rent deposit has been made, 3. The payment system of claim 1 or claim 2, wherein when the rent payment notification is received in the blockchain system, the rent payment notification acts as a trigger to activate the smart contract.

7. In a blockchain system in which a smart contract is deployed that, when activated, controls payments, a means for receiving a payment notification from an external system notifying the receipt of funds for payment; A blockchain system characterized in that, when the deposit notification is received, the deposit notification serves as an activation trigger, activating the smart contract.

8. It has an application programming interface, The blockchain system of claim 7, wherein the smart contract is activated upon receipt of the deposit notification via the application programming interface.

9. The blockchain system of claim 7 or claim 8, wherein when a notice of fund deposit notifying the deposit of funds related to dividends is received as the deposit notice, the notice of fund deposit serves as an activation trigger to activate the smart contract.

10. The blockchain system of claim 7 or claim 8, wherein when a rent deposit notification notifying that a rent deposit has been made is received as the deposit notification, the rent deposit notification serves as an activation trigger to activate the smart contract.

11. A payment control system including a blockchain system related to a blockchain in which a smart contract is placed, the smart contract being configured to control payments when activated, The blockchain system includes a means for receiving a deposit notification from an external system notifying the deposit of funds related to the payment, A payment control system characterized in that when the deposit notification is received in the blockchain system, the deposit notification acts as a trigger to activate the smart contract.

12. The blockchain system comprises an application programming interface; 12. The payment control system of claim 11, wherein the smart contract is activated upon receipt of the deposit notification via the application programming interface.

13. A payment control system as described in claim 11 or claim 12, wherein when the blockchain system receives a fund deposit notification notifying the deposit of funds related to dividends as the deposit notification, the fund deposit notification serves as an activation trigger to activate the smart contract.

14. The blockchain records information indicating the number of tokens owned by each investor, A management and operation system capable of communicating with the blockchain system is provided, The blockchain system includes: A means for reading information indicating the number of tokens owned by each contributor recorded in the blockchain based on the activated smart contract; A means for transmitting information indicating the number of tokens owned by each contributor that has been read out based on the activated smart contract to the management and operation system; Equipped with The management and operation system includes: When receiving the information indicating the number of tokens owned by each contributor, a means for determining the amount of the deposited funds to be distributed to each contributor based on the received information indicating the number of tokens owned by each contributor; means for transmitting a payment instruction for the amount for each identified contributor to an external system that is the source of the notification of the deposit of the original capital; 14. The payment control system of claim 13, comprising:

15. a batch processing server that reads data on token transactions recorded on the blockchain from the blockchain system on a predetermined daily basis; a database server that stores the token transaction data read by the batch processing server; Equipped with 15. A payment control system according to claim 14, wherein said database server transmits requested data in response to a reference request.

16. A payment system including a blockchain system related to a blockchain in which a smart contract is deployed and a financial institution system that performs payment processing, in which payment control is performed by activating the smart contract, The financial institution system transmits a deposit notification to the blockchain system notifying the deposit of the funds related to the payment, The blockchain system receives the deposit notification sent from the financial institution system, A payment method characterized in that when the deposit notification is received in the blockchain system, the deposit notification serves as an activation trigger, activating the smart contract.

17. A payment method in which payment control is performed by activating a smart contract in a blockchain system related to a blockchain in which a smart contract is deployed, Receive a payment notification from an external system notifying the receipt of funds for payment; A payment method characterized in that, when the deposit notification is received, the deposit notification serves as an activation trigger, activating the smart contract.

18. A payment control system including a blockchain system related to a blockchain in which a smart contract is deployed, in which payment control is performed by activating the smart contract, The blockchain system receives a deposit notification from an external system notifying the deposit of funds related to the payment, A payment method characterized in that when the deposit notification is received in the blockchain system, the deposit notification serves as an activation trigger, activating the smart contract.

19. A computer program for causing a computer device corresponding to a node included in a blockchain system to control payments by activation, The computer device A computer program characterized by receiving a deposit notification from an external system notifying the deposit of funds related to a payment, and executing a process that is triggered by the received deposit notification.

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