Information processing system, information processing method, and program

Abstract

To calculate an emission amount of a loan destination by a financial institution.SOLUTION: An information processing system comprising: a financed amount acquisition unit that acquires a balance of financed amount for a financed party from a financial institution; a total financed amount acquisition unit that acquires a balance of total financed amount received by the financed party; an emission amount acquisition unit that acquires greenhouse gas emission amount of the financed party in a target period; The indirect emission amount calculation unit calculates the emission amount of the indirect greenhouse gas of the financial institution by multiplying the emission amount in the past period stored in the emission amount storage unit by the attribution rate when the emission amount in the target period cannot be acquired.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to an information processing system, an information processing method, and a program. [Background technology]

[0002] The amount of carbon dioxide and other emissions has been calculated (see Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2007-164754 Summary of the Invention [Problem to be solved by the invention]

[0004] Financial institutions are required to calculate the emissions of their investment and lending entities.

[0005] The present invention has been made in view of the above background, and aims to provide a technology that enables financial institutions to calculate the emissions of investment and loan recipients. [Means for solving the problem]

[0006] a total investment amount acquisition unit that acquires the balance of the total investment amount received by the investment recipient; an emissions acquisition unit that acquires the greenhouse gas emissions of the investment recipient for a target period; an attribution rate calculation unit that calculates the attribution rate of the investment recipient by the financial institution by dividing the balance of the investment amount by the balance of the total investment amount; an indirect emissions calculation unit that calculates the indirect greenhouse gas emissions of the financial institution by multiplying the emissions by the attribution rate; and an emissions storage unit that stores the emissions for a period prior to the target period, wherein when the emissions for the target period cannot be obtained, the indirect emissions calculation unit multiplies the emissions for the past period stored in the emissions storage unit by the attribution rate to calculate the indirect greenhouse gas emissions of the financial institution.

[0007] Other problems and solutions disclosed in this application will be made clear in the section on preferred embodiments of the invention and the drawings. [Effects of the Invention]

[0008] According to the present invention, it is possible to calculate the emissions of investments and loans made by financial institutions. [Brief explanation of the drawings]

[0009] [Figure 1] FIG. 1 is a diagram illustrating an example of the overall configuration of an information processing system. [Figure 2] FIG. 2 illustrates an example of a hardware configuration of a management server 2. [Figure 3] FIG. 2 illustrates an example of the software configuration of a management server 2. [Figure 4] FIG. 10 is a diagram illustrating the operation of the management server 2. DETAILED DESCRIPTION OF THE INVENTION

[0010] <System Overview> An information processing system according to one embodiment of the present invention will be described below. The information processing system of this embodiment is intended to calculate indirect greenhouse gas emissions (financed emissions) associated with financial institutions. In the information processing system of this embodiment, examples of gases that are the subject of greenhouse gas emission calculations include carbon dioxide (CO2), methane (CH4), nitrous oxide (N2O), hydrofluorocarbons (HFCs), perfluorocarbons (PFCs), sulfur hexafluoride (SF6), and nitrogen trifluoride (NF3).

[0011] 1 is a diagram showing an example of the overall configuration of an information processing system. The information processing system of this embodiment is configured to include a management server 2. The management server 2 is communicably connected to an investment / loan recipient terminal 1 and a financial institution terminal 3 via a communication network. The communication network is, for example, the Internet, and is constructed using a public telephone line network, a mobile phone line network, a wireless communication path, Ethernet (registered trademark), etc.

[0012] The financial institution terminal 3 is a computer operated by a user of a financial institution (hereinafter referred to as a financial institution user). The financial institution terminal 3 is a computer operated by a financial institution user. The financial institution terminal 3 can be, for example, a smartphone, a tablet computer, a personal computer, etc.

[0013] The investment / loan recipient terminal 1 is a computer operated by a user (hereinafter referred to as the investment / loan recipient user) related to the financial institution's investment / loan recipient (which may be a company, an individual, or real estate, or any other entity that is the subject of investment or financing). The investment / loan recipient terminal 1 is a computer operated by the investment / loan recipient user. The investment / loan recipient terminal 1 may be, for example, a smartphone, a tablet computer, a personal computer, or the like.

[0014] The management server 2 may be a general-purpose computer such as a workstation or a personal computer, or may be logically realized by cloud computing.

[0015] <Administration Server> FIG. 2 is a diagram illustrating an example of the hardware configuration of the management server 2. Note that the illustrated configuration is an example, and other configurations may also be used. The management server 2 includes a CPU 201, a memory 202, a storage device 203, a communication interface 204, an input device 205, and an output device 206. The storage device 203 stores various data and programs, and is, for example, a hard disk drive, a solid state drive, or a flash memory. The communication interface 204 is an interface for connecting to a communication network, and is, for example, an adapter for connecting to Ethernet (registered trademark), a modem for connecting to a public telephone network, a wireless communication device for wireless communication, or a USB (Universal Serial Bus) connector or an RS232C connector for serial communication. The input device 205 is used to input data, and is, for example, a keyboard, a mouse, a touch panel, a button, a microphone, or the like. The output device 206 is used to output data, and is, for example, a display, a printer, a speaker, or the like. Each functional unit of the management server 2 described below is realized by the CPU 201 reading a program stored in the storage device 203 into the memory 202 and executing it, and each storage unit of the management server 2 is realized as part of the storage area provided by the memory 202 and the storage device 203.

[0016] 3 is a diagram illustrating an example of the software configuration of the management server 2. The management server 2 includes an item storage unit 231, an emission amount storage unit 232, an investment amount acquisition unit 211, a total investment amount acquisition unit 212, an emission amount acquisition unit 213, an attribution rate calculation unit 214, an indirect emission amount calculation unit 215, and an accounting data acquisition unit 216.

[0017] <Storage section> The item storage unit 231 stores items included in accounting data related to the investment and / or loan recipients and / or projects in association with the investment and / or loan recipients and / or projects. Items included in the accounting data may be, for example, account titles, sub-titles, items, remarks, etc.

[0018] The emission amount storage unit 232 stores the greenhouse gas emissions of the investment or loan recipient. The emission amount storage unit 232 can store the emission amount in association with information specifying the investment or loan recipient and information indicating the target period for the emission amount.

[0019] The information for identifying the investment or loan recipient may be, for example, the name, address, corporate identification code, etc. The corporate identification code may be, for example, an identifier assigned by a public institution, such as a corporate number or a business establishment identification code.

[0020] The information indicating the target period of emissions may be, for example, the acquisition date of the emissions data, the start date and end date of the period covered by the emissions data, information indicating a period division such as a fiscal year or a quarter, etc. The emissions storage unit 232 can store this information using a date and time representation format such as ISO86011.

[0021] The emission amount storage unit 232 may store the emission amount broken down by type of greenhouse gas. For example, the emission amount storage unit 232 can store the emission amounts of greenhouse gases such as carbon dioxide, methane, nitrous oxide, hydrofluorocarbons, perfluorocarbons, and sulfur hexafluoride separately.

[0022] The emissions storage unit 232 may also be configured to store separate data on direct emissions (Scope 1) associated with the business activities of the investee and indirect emissions (Scope 2) associated with the use of electricity and heat purchased by the investee. Furthermore, the emissions storage unit 232 may also store data on emissions in the investee's supply chain (Scope 3). Scope 3 emissions may be stored by categorizing them into, for example, purchased products and services, capital goods, transportation and distribution (upstream), business waste, business trips, employee commuting, leased assets (upstream), investments, processing of sold products, use of sold products, disposal of sold products, franchises, and leased assets (downstream).

[0023] By storing this information in emission storage unit 232, it becomes possible to grasp in detail the change in emission amounts over time for each investment or loan recipient. Furthermore, by referring to emission storage unit 232, indirect emission calculation unit 215 can calculate the indirect emission amounts of the financial institution using past emission data, even if the most recent emission data for the investment or loan recipient cannot be obtained.

[0024] <Functional section> The investment and loan amount acquisition unit 211 acquires the investment and loan amount for the investment and loan recipient from the financial institution. The investment and loan amount acquisition unit 211 can acquire the investment and loan amount from, for example, the financial institution's publicly available information such as financial reports, sustainability reports, and websites, or individual inquiries to the financial institution. It is also possible to accept direct input from users of the financial institution via the financial institution terminal 3. The investment and loan amount acquisition unit 211 can, for example, send form data to the financial institution terminal 3 and acquire information indicating the investment and loan recipient and the investment and loan amount from the financial institution terminal 3. The financial institution terminal 3 can display an input screen based on the form data and accept input of information indicating the investment and loan recipient and the investment and loan amount from the financial institution user. The investment and loan amount acquisition unit 211 can access a management system that manages investment and loan amounts at the financial institution and acquire the investment and loan amount for the investment and loan recipient to be analyzed from the management system. The information regarding the investment and loan amount (investment and loan amount information) sent from the financial institution terminal 3 to the management server 2 can include fields such as the financial institution ID, investment and loan recipient ID, project ID, investment and loan amount, and time point. The financial institution ID is an identifier for identifying the financial institution, the investment recipient ID is an identifier for identifying the investment recipient, the project ID is an identifier for identifying the project, the investment amount is the amount of investment or loan from the financial institution to the investment recipient or project, and the time indicates the time of the investment amount data.

[0025] The investment and loan amount acquisition unit 211 may acquire, as the investment and loan amount, the total amount (balance) of investment and loan provided by the financial institution to the business entity of the investment and loan recipient, or may acquire, as the investment and loan amount, the total amount (balance) of investment and loan provided to a specific project of the investment and loan recipient (such as a specific business or specific fixed asset). When a specific project is the target, the investment and loan amount acquisition unit 211 can accept information that identifies the project.

[0026] The credit balance from the financial institution to the investment / loan recipient may be used as the investment / loan amount. In this case, the investment / loan amount acquisition unit 211 can acquire the credit balance from the financial institution to the investment / loan recipient. The investment / loan amount acquisition unit 211 can, for example, accept input of the credit balance from a user of the financial institution via the financial institution terminal 3. The investment / loan amount acquisition unit 211 may, for example, access a management system that manages credit amounts at the financial institution, and acquire the credit amount for the investment / loan recipient to be analyzed from the management system.

[0027] The total investment and loan amount acquisition unit 212 acquires the total investment and loan amount received by the investment and loan recipient. The total investment and loan amount can be the amount of investment and loan (stocks and debt) received by the investment and loan recipient from financial institutions (which may be one or more). The amount of debt can be the remaining loan balance. The value of stocks may be the acquisition amount or the current appraised value. The total investment and loan amount acquisition unit 212 can periodically acquire the latest total investment and loan amount. The total investment and loan amount acquisition unit 212 can acquire the total investment and loan amount, for example, monthly, quarterly, or annually.

[0028] The total investment and loan amount acquisition unit 212 can also acquire the total investment and loan amount from, for example, publicly available information such as the financial reports, sustainability reports, and websites of the investment and loan recipients, or from individual inquiries to the investment and loan recipients. It is also possible to accept direct input from the users of the investment and loan recipients via the investment and loan recipient terminal 1. It is also possible to acquire information on the total investment and loan amount of the investment and loan recipients from financial institutions. The total investment and loan amount acquisition unit 212 can, for example, send form data to the investment and loan recipient terminal 1 and acquire the total investment and loan amount from the investment and loan recipient terminal 1. The investment and loan recipient terminal 1 can display an input screen based on the form data and accept input of the total investment and loan amount from the investment and loan recipient user. The information on the total investment and loan amount (total investment and loan amount information) sent from the investment and loan recipient terminal 1 to the management server 2 can include fields such as the investment and loan recipient ID, the total investment and loan amount, and the time point.

[0029] In addition, the total investment and loan amount acquisition unit 212 may acquire the total investment and loan amount covering all investments and loans received by the investment and loan recipient business entity, or may acquire the total investment and loan amount as the total investment and loan amount corresponding to a specific project (a project accepted by the investment and loan amount acquisition unit 211 from a financial institution, such as a specific business or specific fixed asset).

[0030] Furthermore, the total investment and loan amount acquisition unit 212 may acquire the total investment and loan amount from public information disclosed by the investee. For example, the total investment and loan amount acquisition unit 212 can extract information corresponding to the investment and loan amount from financial statements, reports, etc. published by the investee. Specifically, the total investment and loan amount acquisition unit 212 can acquire financial statements, etc. from the investee's website, electronic public notice system, etc., and extract information such as the amount of debt and capital from that information to calculate the total investment and loan amount.

[0031] The total investment and loan amount acquisition unit 212 may also acquire information on the total investment and loan amount of the investment and loan recipient from an external corporate credit information database. As the corporate credit information database, for example, a database managed by a company that provides corporate information services, such as Teikoku Databank or Tokyo Shoko Research, can be used. The total investment and loan amount acquisition unit 212 can access these corporate credit information databases to acquire information such as the debt amount and capital of the investment and loan recipient, and calculate the total investment and loan amount.

[0032] The total investment and loan amount acquisition unit 212 may also acquire the total investment and loan amount of the investment and loan recipient from the financial institution by making an inquiry to the financial institution. For example, the total investment and loan amount acquisition unit 212 may send a message to the financial institution terminal 3 to inquire about the investment and loan amount of the investment and loan recipient, extract the investment and loan amount from the message returned from the financial institution terminal 3, and use this in calculating the total investment and loan amount. The total investment and loan amount acquisition unit 212 may also extract the investment and loan amount of the investment and loan recipient from public information such as financial statements disclosed by the financial institution, and use this in calculating the total investment and loan amount.

[0033] The total investment and loan amount acquisition unit 212 may also send a message (for example, an email or a chat message via a chat service) to the investment and loan recipient user requesting the total investment and loan amount, receive a message including the total investment and loan amount sent from the investment and loan recipient user, and extract the total investment and loan amount from data described in or attached to the received message.The total investment and loan amount acquisition unit 212 may also send a request to the investment and loan recipient's server, and receive the total investment and loan amount returned from the server in response to the request.

[0034] Furthermore, the total investment and loan amount acquisition unit 212 may send a message to a supporter who assists in calculating indirect greenhouse gas emissions (hereinafter referred to as indirect emissions) by a financial institution, requesting the supporter to specify the investment and loan destination and to respond with the total investment and loan amount at the investment and loan destination, and may accept input of the total investment and loan amount from the supporter. The total investment and loan amount acquisition unit 212 may extract the total investment and loan amount from data described in or attached to a message sent from the supporter (for example, an email or a chat message via a chat service).

[0035] The emission acquisition unit 213 acquires greenhouse gas emissions by the investee during the target period. The emission acquisition unit 213 can acquire, for example, emissions for the current or most recent year or most recent fiscal year. The emission acquisition unit 213 can acquire emissions from, for example, the investee's sustainability report, public information such as a website, or individual inquiries from the investee. The emission acquisition unit 213 can also acquire emissions from reported data based on the Greenhouse Gas Emissions Accounting, Reporting, and Disclosure System or data reported through international information disclosure projects such as the Carbon Disclosure Project (CDP). Direct input from the investee's user via the investee's terminal 1 is also possible. The emission acquisition unit 213 can, for example, transmit form data to the investee's terminal 1 and acquire emissions from the investee's terminal 1. The investee's terminal 1 can display an input screen based on the form data and accept input of emissions from the investee's user. When the investment amount and total investment amount for each project are acquired, the form data can include information identifying the project, allowing the emissions corresponding to the project to be input. The information relating to emissions (emissions information) sent from the investment / loan recipient terminal 1 to the management server 2 can include fields such as the investment / loan recipient ID, project ID, emissions, and period. The emissions indicate the greenhouse gas emissions of the investment / loan recipient or project, and the period indicates the period covered by the emissions data. If the emissions acquisition unit 213 is able to acquire the emissions for the period covered, it can register the acquired emissions in the emissions storage unit 232 in association with information identifying the investment / loan recipient and the aggregation period.

[0036] When acquiring the emissions of an investment or loan recipient, if it is possible to acquire the emissions for multiple types of greenhouse gases, the emissions acquisition unit 213 may acquire the emissions by type of greenhouse gas or as total emissions in CO2 equivalent.

[0037] Furthermore, the emission amount acquisition unit 213 may inquire about the emission amount from the investment / loan recipient user. For example, the emission amount acquisition unit 213 can send a message (such as an email or chat message) to the investment / loan recipient user inquiring about the emission amount, and acquire the emission amount written in or attached to the message sent from the investment / loan recipient terminal 1.

[0038] Furthermore, the emission amount acquisition unit 213 may, for example, acquire a published report on greenhouse gas emissions by the investee, and extract the emission amounts from the report. The emission amount acquisition unit 213 may, for example, acquire the report by accessing the investee's web server. The emission amount acquisition unit 213 may, for example, acquire the report by accessing a server that publicly publishes the report. The emission amount acquisition unit 213 may, for example, send a message (such as an email or chat message) to the investee user instructing them to send the report, and receive report data from the investee terminal 1.

[0039] The attribution rate calculation unit 214 calculates the attribution rate of the financial institution to the investment / loan recipient. The attribution rate calculation unit 214 can calculate the attribution rate by dividing the investment / loan amount by the total investment / loan amount. The attribution rate calculation unit 214 may calculate the attribution rate of the financial institution to the investment / loan recipient business entity, or may calculate the attribution rate of the financial institution to a specific project at the investment / loan recipient. The attribution rate calculation unit 214 can calculate the attribution rate of the financial institution to the investment / loan recipient business entity by dividing the total amount of investment / loan made by the financial institution to the investment / loan recipient business entity (acquired by the investment / loan amount acquisition unit 211) by the total investment / loan amount covering all investments / loans received by the investment / loan recipient business entity (acquired by the total investment / loan amount acquisition unit 212). The attribution rate calculation unit 214 can calculate the attribution rate of the financial institution to the project by dividing the total amount of investment and loan made by the financial institution to a specific project at the investment and loan recipient (acquired by the investment and loan amount acquisition unit 211) by the total amount of investment and loan received by the investment and loan recipient for the project (acquired by the total investment and loan amount acquisition unit 212).

[0040] The indirect emissions calculation unit 215 can calculate indirect emissions by multiplying emissions by the attribution rate. The indirect emissions of a financial institution can be calculated by adding up the indirect emissions for all of the financial institution's investments and loans. Information on indirect emissions (indirect emissions information) can include fields such as financial institution ID, investment and loan ID, project ID, indirect emissions, and time point. Indirect emissions indicate the amount of greenhouse gas emissions indirectly from the financial institution's investments and loans or projects. An indirect emissions information storage unit for storing indirect emissions information may be provided.

[0041] When calculating indirect emissions for a specific project rather than the entire business of an investee, the investment amount and attribution rate for that project can be used to calculate indirect emissions, rather than the investment amount and attribution rate for the entire business.

[0042] When the emission amount acquisition unit 213 is unable to acquire the emission amount for the target period, the indirect emission amount calculation unit 215 can use the emission amount for the past period stored in the emission amount storage unit 232 .

[0043] For example, the indirect emission amount calculation unit 215 can use the most recent emission amount within a predetermined past period (for example, within the past five years) stored in the emission amount storage unit 232. The indirect emission amount calculation unit 215 can calculate the indirect emission amount by multiplying the emission amount for the past period by the attribution rate.

[0044] Furthermore, for example, the indirect emission amount calculation unit 215 can use, from among the emissions within a predetermined past period (e.g., within the past five years) stored in the emission amount storage unit 232, those that correspond to a period in which the situation of the investment or loan recipient is similar to that of the current investment or loan recipient. The situation of the investment or loan recipient can be, for example, the sales of the investment or loan recipient or various other activity amounts. In this case, the emission amount storage unit 232 can store the situation of the investment or loan recipient during that period in association with each other. For example, the emission amount is stored along with the production volume for each fiscal year, and the indirect emission amount calculation unit 215 can obtain the production volume of the investment or loan recipient during the period to be calculated, read out the emission amount for the fiscal year in which the production volume is closest to the obtained production volume that is within the predetermined past period, and multiply the read-out emission amount by the attribution rate to calculate the indirect emission amount.

[0045] The accounting data acquisition unit 216 acquires accounting data related to the investment / loan recipient. The accounting data acquisition unit 216 may acquire the financial institution's accounting data from the financial institution terminal 3 or the financial institution's server (such as an accounting system), or may acquire the investment / loan recipient's accounting data from the investment / loan recipient terminal 1 or the investment / loan recipient's server (such as an accounting system).

[0046] The total investment and loan amount acquisition unit 212 can calculate the total investment and loan amount based on the accounting data.

[0047] The total investment and loan amount acquisition unit 212 can, for example, extract accounting data related to a specific project and calculate the total investment and loan amount based on the extracted accounting data. The total investment and loan amount acquisition unit 212 can acquire items corresponding to a project from the item storage unit 231 and determine whether the acquired accounting data relates to the project based on whether the acquired items are included in the acquired accounting data.

[0048] The total investment and loan amount acquisition unit 212 may use AI to identify accounting data corresponding to a project. For example, the total investment and loan amount acquisition unit 212 can determine whether the accounting data relates to a specific project by providing attributes of a specific project and items of the acquired accounting data to a learning model created by machine learning the items included in the accounting data and the attributes of the project to which the items relate. In this case, the management server 2 may be provided with a learning model storage unit that stores the learning model, or an external server may be configured to manage the learning model.

[0049] <Operation> FIG. 4 is a diagram illustrating the operation of the management server 2.

[0050] The management server 2 acquires the remaining investment and loan amounts for the investment and loan recipient from the financial institution (S301), acquires the remaining total investment and loan amounts received by the investment and loan recipient (S302), and calculates the attribution rate of the investment and loan amount to the investment and loan recipient by the financial institution by dividing the remaining investment and loan amount by the remaining total investment and loan amount (S303). The management server 2 acquires the greenhouse gas emissions of the investment and loan recipient (S304), and if the emissions cannot be acquired (S305: NO), it can acquire time information within a predetermined period of the past (e.g., the past five years) and the emissions corresponding to the investment and loan recipient from the emissions storage unit 232 (S306). The management server 2 multiplies the acquired emissions by the attribution rate to calculate the indirect emissions of the financial institution (S307).

[0051] As described above, the information processing system of this embodiment can calculate the indirect greenhouse gas emissions related to the recipients of investments and loans by financial institutions.

[0052] Although the present embodiment has been described above, the above embodiment is intended to facilitate understanding of the present invention and is not intended to limit the present invention. The present invention may be modified or improved without departing from the spirit thereof, and equivalents thereof are also included in the present invention.

[0053] For example, the processing by each of the functional units of the management server 2 described above may be performed by any of the functional units. Also, a different functional unit that performs part of the processing by each of the functional units described above may be added. Also, the functional units of the management server 2 may be distributed across multiple computers.

[0054] Furthermore, the information stored in each storage unit of the management server may be stored in any of the storage units. That is, the information stored in the above-mentioned multiple storage units may be stored in one storage unit, or part of the information stored in one of the above-mentioned storage units may be stored in another storage unit.

[0055] Furthermore, in this embodiment, investment and financing from financial institutions to specific business entities is assumed, but it is also possible to obtain indirect greenhouse gas emissions related to investment and financing in projects in which multiple business entities participate, such as real estate and urban development. In this case, it is sufficient to understand that the investment and financing recipient is not a specific business entity, but a specific project such as real estate.

[0056] <Disclosures> The present disclosure also includes the following configurations. [Item 1] an investment amount acquisition unit that acquires the balance of investment amounts for investment and loan recipients from financial institutions; a total investment and loan amount acquisition unit that acquires the balance of the total investment and loan amount received by the investment and loan recipient; an emissions acquisition unit that acquires greenhouse gas emissions of the investment or loan recipient during a target period; an attribution ratio calculation unit that calculates an attribution ratio of the financial institution to the investment and loan recipient by dividing the balance of the investment and loan amount by the balance of the total investment and loan amount; an indirect emission calculation unit that calculates the indirect greenhouse gas emissions of the financial institution by multiplying the emissions by the attribution rate; an emission amount storage unit that stores the emission amount for a period prior to the target period; Equipped with when the indirect emission calculation unit is unable to obtain the emission amount for the target period, it calculates the indirect greenhouse gas emission amount of the financial institution by multiplying the emission amount for the past period stored in the emission storage unit by the attribution rate; An information processing system characterized by: [Item 2] obtaining a balance of investments and loans to the investment recipient from the financial institution; obtaining a balance of the total investment amount received by the investment and loan recipient; obtaining greenhouse gas emissions of the investment or loan target for a target period; a step of calculating an attribution ratio of the financial institution to the investment recipient by dividing the investment amount by the total investment amount; multiplying the emissions by the attribution rate to calculate the financial institution's indirect greenhouse gas emissions; storing the emission amount for a period prior to the target period; The computer executes In the step of calculating the emissions, when the emissions for the target period cannot be obtained, the computer multiplies the emissions for the past period by the attribution rate to calculate the indirect greenhouse gas emissions of the financial institution; An information processing method comprising: [Item 3] obtaining a balance of investments and loans to the investment recipient from the financial institution; obtaining a balance of the total investment amount received by the investment and loan recipient; obtaining greenhouse gas emissions of the investment or loan target for a target period; a step of calculating an attribution ratio of the financial institution to the investment recipient by dividing the investment amount by the total investment amount; multiplying the emissions by the attribution rate to calculate the financial institution's indirect greenhouse gas emissions; storing the emission amount for a period prior to the target period; A program for causing a computer to execute the above, In the step of calculating the emissions, when the emissions for the target period cannot be obtained, the computer is caused to calculate the indirect greenhouse gas emissions of the financial institution by multiplying the emissions for the past period by the attribution rate; A program characterized by. [Explanation of symbols]

[0057] 1. Investment and loan recipient terminal 2 Management Server 3 Financial institution terminals

Claims

1. an investment amount acquisition unit that acquires the balance of investment amounts for investment and loan recipients from financial institutions; a total investment and loan amount acquisition unit that acquires the balance of the total investment and loan amount received by the investment and loan recipient; an emissions acquisition unit that acquires greenhouse gas emissions of the investment or loan recipient during a target period; an attribution ratio calculation unit that calculates an attribution ratio of the financial institution to the investment and loan recipient by dividing the balance of the investment and loan amount by the balance of the total investment and loan amount; an indirect emission calculation unit that calculates the indirect greenhouse gas emissions of the financial institution by multiplying the emissions by the attribution rate; an emission amount storage unit that stores the emission amount for a period prior to the target period; Equipped with when the indirect emission calculation unit is unable to obtain the emission amount for the target period, it calculates the indirect greenhouse gas emission amount of the financial institution by multiplying the emission amount for the past period stored in the emission storage unit by the attribution rate; An information processing system characterized by:

2. obtaining a balance of investments and loans to the investment recipient from the financial institution; obtaining a balance of the total investment amount received by the investment and loan recipient; obtaining greenhouse gas emissions of the investment or loan target for a target period; a step of calculating an attribution ratio of the financial institution to the investment recipient by dividing the investment amount by the total investment amount; multiplying the emissions by the attribution rate to calculate the financial institution's indirect greenhouse gas emissions; storing the emission amount for a period prior to the target period; The computer executes In the step of calculating the emissions, when the emissions for the target period cannot be obtained, the computer multiplies the emissions for the past period by the attribution rate to calculate the indirect greenhouse gas emissions of the financial institution; An information processing method comprising:

3. obtaining a balance of investments and loans to the investment recipient from the financial institution; obtaining a balance of the total investment amount received by the investment and loan recipient; obtaining greenhouse gas emissions of the investment or loan target for a target period; a step of calculating an attribution ratio of the financial institution to the investment recipient by dividing the investment amount by the total investment amount; multiplying the emissions by the attribution rate to calculate the financial institution's indirect greenhouse gas emissions; storing the emission amount for a period prior to the target period; A program for causing a computer to execute the above, In the step of calculating the emissions, when the emissions for the target period cannot be obtained, the computer is caused to calculate the indirect greenhouse gas emissions of the financial institution by multiplying the emissions for the past period by the attribution rate; A program characterized by.

Images