Accounts receivable assignment processing system

Abstract

To provide a system that uses blockchain technology to process the transfer of claims, such as monetary claims, that can be enforced against third parties without burdening the parties involved, and that can protect personal information from evolving cyberattacks. [Solution] The system 100 performs meaningless processing on predetermined information by combining polynomial secret sharing encryption processing and a processing method based on the agreement information of authenticated contracting parties, manages it in a distributed manner as files sorted into multiple points, and manages the index information by encrypting it; a preservation means 14 preserves contract-related information concluded via a predetermined distributed program contract conclusion means 13 by agreement between the debtor and creditor authenticated by authentication means 11 and 12 in the system 100; and a control means 15 controls the system to ensure that the requirements for asserting the assignment of claim against third parties are met without the creditor notifying the debtor of the assignment of claim or the debtor consenting to the assignment of claim.

Description

Technical Field

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[0001] The present invention relates to a claim transfer processing system that performs claim transfer processing while defending data such as personal information and other system management data that is troublesome from risks such as future high-level cyberattacks exceeding normal levels, intense natural disasters, or physical attacks, mainly on the on-chain and defending against high-level cyberattacks. In addition, the "system" in the specification of this application means a computer system that is configured by combining elements such as computers, other electronic devices, software, communication networks, and data, and specifically realizes software-based information processing using hardware resources. Also, the "decentralized program contract" in the specification of this application means a contract that is managed using blockchain technology and in which the claims and debts stipulated in the contract are automatically executed via a smart contract.

Background Art

[0002] Currently, there are various types of claims, and legally, it is troublesome to take measures to meet the third-party confrontation requirements when the rights are transferred. This is because the basis of the right is a contract (seal impression), and it is a notarial certificate at the notary office. When transferring a claim arising from a contract, it is necessary to send a claim transfer notice, for example, by content-certified mail with a fixed date. If a claim transfer notice is not sent by content-certified mail, it is necessary to send a claim transfer notice by notarial certificate. However, the creation of notarial certificates and the like are lagging in systemization and are basically paper-based processes, which is troublesome.

[0003] However, regarding technology for the transfer of securities or equity shares backed by assets such as real estate, and technology for creating digital certificates equivalent to certificates with a fixed date and time when asserting the requirements for asserting the assignment of a claim against a third party as stipulated in Article 467 of the Civil Code, the following information processing device is disclosed in Patent Document 1, which aims to enable the transfer of securities rights through a simple procedure and to establish the rights relationship related to the transfer with the debtor and other third parties in connection with the transfer of rights. This is achieved by digitally dividing securities related to rights related to a business based on a partnership agreement into small-lot securities, and also by creating a certificate that fulfills the requirements for asserting the transfer of the small-lot securities against a third party.

[0004] The information processing device described in Patent Document 1 is an information processing device for rights relating to a business based on a partnership agreement, comprising: a means for fractionalizing rights to digitally divide the rights into two or more units; a means for registering information of creditors of the rights and the number of units of the rights held by the creditors; a means for receiving transfer requests for the rights from the registered creditors via a communication line, wherein the transfer request includes identification information and the number of identification units that identify the rights; an application screen for soliciting the transfer of the rights, comprising: a means for receiving identification information and the number of units to be transferred from prospective transferees via a communication line; and a means for receiving the number of units of the rights specified by the prospective transferee from the creditors. The system comprises: a distributed ledger recording means that records transfer information indicating that the right will be transferred to an interested party in a distributed ledger including a blockchain; an acceptance notice display means that displays an acceptance notice indicating that the debtor of the right consents to the transfer of the right, which includes the digital address of a digital certificate that is an electronic document containing the transfer information recorded by the distributed ledger recording means, on a dedicated viewing screen page of at least one of the creditor, who is the transferor of the right, or the prospective transferee, who is the transferee of the right; and a digital certificate display means that displays the transfer information and the debtor's consent to the transfer of the right in response to the creditor or the prospective transferee accessing the digital address. Furthermore, the information processing device described in Patent Document 1 further includes a creditor notification means for notifying the debtor of the debt transfer information from the creditor or the prospective creditor. Thus, the information processing device described in Patent Document 1 records information on the transfer of rights in a distributed ledger including a blockchain, displays a notice of consent for the transfer of rights by the debtor of the rights on a dedicated viewing screen page for the creditor who is the transferor of the rights or the prospective transferee who is the transferee of the rights, and is configured to notify the debtor of the information on the transfer of rights from the creditor or prospective creditor. [Prior art documents] [Patent Documents]

[0005] [Patent Document 1] Patent No. 7179254 [Overview of the project] [Problems that the invention aims to solve]

[0006] The information processing device described in Patent Document 1 is designed to provide notification of consent to the transfer of rights and notification of information on the transfer of rights in order to satisfy the requirements for enforceability against third parties. However, anticipating future legal revisions, the inventor believed it was necessary to construct a system using distributed ledger technology such as blockchain that would satisfy the requirements for enforceability against third parties without requiring notification of assignment of claims. Furthermore, while Patent Document 1 discloses that information on the transfer of rights is recorded in a distributed ledger including a blockchain, it is considered necessary to take defensive measures beyond simply recording the information on the blockchain in order to protect against cyberattacks using quantum computing technology that are anticipated in the future.

[0007] Furthermore, contracts are legally required to include information that identifies the contracting party, and the section containing this information is subject to personal information regulations. However, with current technology, it is not possible to delete information recorded on the blockchain, making it difficult to record personal information on the blockchain. Therefore, simply using blockchain technology is insufficient to meet the requirements for third-party protection, including the management of personal information. Even if personal information could be managed using blockchain, it would still need to be able to withstand evolving cyberattacks in terms of protecting that information (guaranteeing 100% data retention). However, the cyberattacks that can be anticipated are diverse, including quantum computer cryptography, ransomware via users, and insider attacks.

[0008] Furthermore, while conventional electronic contract records are managed on-premise (off-chain), it is considered desirable to move them on-chain from a comprehensive perspective, considering factors such as cost, security strength, and processing convenience.

[0009] This invention has been made in view of the above problems, and aims to provide a debt transfer processing system that uses blockchain technology to automatically execute the transfer of debts such as monetary claims and digital tokens in small-scale transactions that incorporate the concept of hedging, without burdening the parties involved, while fulfilling the requirements for enforceability against third parties, and that is superior in terms of cost, security strength, and processing convenience, while being able to withstand evolving cyberattacks such as quantum computer cryptography analysis, ransomware via users, and insider attacks regarding the protection of personal information. [Means for solving the problem]

[0010] To achieve the above objective, the debt assignment processing according to the present invention is constructed with a distributed ledger in blockchain or other distributed ledger technology, and a smart contract or server application for performing predetermined processing using data managed in the distributed ledger, and is a debt assignment processing system that performs debt assignment processing while protecting personal information and other data that is troublesome to system manage from high-level cyberattacks mainly on-chain, and includes a debtor authentication means for authenticating the debtor, who is one party to the contract, a creditor authentication means for authenticating the creditor, who is the other party to the contract, a predetermined distributed program contract conclusion means for concluding a predetermined distributed program contract by agreement between the debtor authenticated by the debtor authentication means and the creditor authenticated by the creditor authentication means, and a combination of polynomial secret sharing encryption processing and a processing method based on the agreement information of the authenticated contract parties, for predetermined information The system is characterized by comprising: a real-time digital asset guard service provision system that performs meaningless processing and manages files distributed across multiple points, and has a function to encrypt and manage index information for the distributed files; a contract-related information preservation means that preserves predetermined related information in a predetermined distributed program contract concluded via the predetermined distributed program contract conclusion means by agreement between a debtor authenticated by the debtor authentication means and a creditor authenticated by the creditor authentication means; and a claim assignment third-party assertion requirement fulfillment control means that controls the system to ensure that the requirements for asserting the claim assignment against a third party are met after the creditor assigns the claim to a third party, without notifying the debtor of the claim assignment or obtaining the debtor's consent to the claim assignment to the creditor or the third party.

[0011] Furthermore, in the claim assignment processing system of the present invention, the claim assignment requirements for enforceability against third parties control means includes a distributed program contract conclusion means with a claim assignment consent clause that, by agreement between the debtor authenticated by the debtor authentication means and the creditor authenticated by the creditor authentication means, concludes a distributed program contract with a claim assignment consent clause that stipulates the debtor's consent to the creditor's assignment of the claim to a third party, and by agreement between the debtor authenticated by the debtor authentication means and the creditor authenticated by the creditor authentication means, the claim A means for creating an assignment agreement authentication ID that authenticates the assignment agreement clause stipulated in a distributed program agreement with an assignment agreement clause concluded by a means for concluding a distributed program agreement with an assignment agreement clause; a means for recording and storing the assignment agreement authentication ID created by the means for concluding a distributed program agreement with an assignment agreement clause; and a means for recording and storing the assignment agreement authentication ID created by the means for concluding a distributed program agreement with an assignment agreement clause. A means for assigning an assignment of claims clause authentication ID to the contract of a distributed program contract with an assignment of claims clause, and a first contract data preservation means for preserving the contract data of a distributed program contract with an assignment of claims clause to which the assignment of claims clause authentication ID has been assigned via the assignment of claims clause authentication ID assigning means, by agreement between the debtor authenticated by the debtor authentication means and the creditor authenticated by the creditor authentication means, in the real-time preservation type digital asset guard service provision system, and a means for concluding a distributed program contract with an assignment of claims clause In the event of concluding a decentralized program agreement with a right assignment consent clause, a means for issuing a right token with a right assignment consent clause authentication ID, which is created by the means for creating a right assignment consent clause authentication ID, issues a right token based on a predetermined underlying digital asset sent by the creditor to the debtor's address, and a means for sending a right token with a right assignment consent clause authentication ID, which is issued by the means for issuing a right token with a right assignment consent clause authentication ID, which is created by the means for creating a right assignment consent clause authentication ID, and upon receiving instructions from the creditor,It is preferable to have a configuration that includes a debt token trading means with a debt token with a debt token with a debt token assignment consent clause authentication ID that facilitates the buying and selling of such debt token with a debt token assignment consent clause authentication ID between the creditor and a third party who wishes to acquire the debt token with a debt token assignment consent clause authentication ID held by the creditor.

[0012] Furthermore, in the debt assignment processing system of the present invention, the debt assignment assignment requirements compliance control means concludes a first decentralized program contract with a debt repayment destination address restriction clause, which, by agreement between the debtor authenticated by the debtor authentication means and the creditor authenticated by the creditor authentication means, limits the method of debt repayment to a blockchain-based repayment method, which limits the blockchain address to which the debtor repays the debt to a specific blockchain address held by the creditor at the time of contract conclusion, invalidating debt repayment by a repayment method that does not use blockchain, and stipulates that debt repayment to a blockchain address other than the specified blockchain address specified in the blockchain-based debt repayment method will be invalidated, and that debt repayment will be made by changing the address to the specified blockchain address specified in the blockchain-based debt repayment method, and concludes a first decentralized program contract with a debt repayment destination address restriction clause, which, by agreement between the debtor authenticated by the debtor authentication means and the creditor authenticated by the creditor authentication means, A second contract data preservation means for preserving contract data of a decentralized program agreement with a debt repayment destination address restriction clause concluded by a decentralized program agreement conclusion means with a dress restriction clause in the real-time preservation type digital asset guard service provision system; a first debt repayment destination address control means that, based on the debt repayment destination address restriction clause of the first decentralized program agreement with a debt repayment destination address restriction clause concluded by the first decentralized program agreement conclusion means with a debt repayment destination address restriction clause, checks the blockchain address to which the debtor is to repay the debt when the debtor repays the debt, and if the blockchain address to which the debtor is to repay the debt is a blockchain address other than the restricted specific blockchain address, invalidates the debt repayment to that blockchain address and controls the debt repayment process to be carried out by changing the blockchain address to which the debt repayment is to the restricted specific blockchain address; and a debt transaction means that, upon instruction from the creditor, conducts a transaction of the claim between the creditor and a third party who wishes to acquire the claim held by the creditor.It is preferable to have a configuration that includes a debt repayment address ownership right transfer control means, which controls the transfer of ownership rights of a specific blockchain address held by the creditor to a third party at the time of transfer when the creditor transfers the claim to a third party via the aforementioned claim transaction means.

[0013] Furthermore, in the claim assignment processing system of the present invention, the claim assignment requirements for enforceability against third parties are enforceable by a debtor authenticated by the debtor authentication means and the creditor authenticated by the creditor authentication means, and the debt repayment method is limited to a blockchain-based repayment method in which the blockchain address to which the debtor repays the debt is limited to a specific blockchain address held by the creditor at the time of contract conclusion, and debt repayment by a repayment method that does not use blockchain is invalid, and debt repayment to a blockchain address other than the specified blockchain address that is limited in the blockchain-based debt repayment method is invalid, and debt repayment is made by changing to the specified blockchain address that is limited, and the debt repayment destination address is enforceable by a second decentralized program contract conclusion means with a debt repayment destination address restriction clause, and the debtor authenticated by the debtor authentication means and the creditor authenticated by the creditor authentication means enter into a second decentralized program contract with a debt repayment destination address restriction clause, which stipulates that the debt repayment method is limited to a blockchain-based repayment method in which the blockchain address to which the debtor repays the debt is limited to a specific blockchain address held by the creditor at the time of contract conclusion, and that debt repayment by a non-blockchain repayment method is invalid, and that debt repayment to a blockchain address other than the specified blockchain address that is limited in the blockchain-based debt repayment method is invalid, and that debt repayment is made by changing to the specified blockchain address that is limited, and the debt repayment destination address is enforceable by a second decentralized program contract conclusion means with a debt repayment destination address restriction clause, and the debtor authenticated by the debtor authentication means and the creditor authenticated by the creditor authentication means A third contract data preservation means for preserving contract data of a second decentralized program agreement with a debt repayment address limitation clause, concluded by the decentralized program agreement conclusion means with a debt repayment address limitation clause, in the real-time preservation type digital asset guard service provider; a second debt repayment address control means that, based on the debt repayment address limitation clause of the second decentralized program agreement with a debt repayment address limitation clause concluded by the second decentralized program agreement conclusion means with a debt repayment address limitation clause, checks the blockchain address to which the debtor will repay the debt when the debtor repays the debt, and if the blockchain address to which the debtor will repay the debt is a blockchain address other than the specified blockchain address that is limited, invalidates the debt repayment to that blockchain address and controls the debt repayment process to be carried out by changing the blockchain address to which the debt repayment will be carried out to the specified blockchain address that is limited; and a debt transaction means that, upon instruction from the creditor, conducts a transaction of the claim between the creditor and a third party that wishes to acquire the claim held by the creditor.In cases where a creditor assigns a claim to a third party via the aforementioned claim transaction means, it is preferable to have a configuration that includes a debt-equivalent digital asset transfer control means that controls the transfer of a predetermined digital asset equivalent to the amount of the debt sent from the debtor to the specific blockchain address held by the creditor at the time of contract conclusion, to a predetermined blockchain address held by the third party.

[0014] Furthermore, in the claim assignment processing system of the present invention, it is preferable that the claim is either a credit token, which is a tokenized version of the delivered claim, or a monetary claim.

[0015] Furthermore, in the claim assignment processing system of the present invention, it is preferable that the claim assignment requirements compliance control means includes a claim transaction means that, upon instruction from the creditor, conducts a transaction of the claim between the creditor and a third party who wishes to acquire the claim held by the creditor, and a claim transfer information preservation means that, by agreement between the creditor, who is the assignor of the claim as the debtor in the claim assignment agreement authenticated by the debtor authentication means, and the third party, who is the assignee of the claim as the creditor in the claim assignment agreement authenticated by the creditor authentication means, preserves the claim transfer information in the real-time protected digital asset guard service provider system.

[0016] Furthermore, in the debt assignment processing system of the present invention, the real-time protected digital asset guard service provision system is a unit that combines blockchain and file distributed management functions, etc., and is constructed by having multiple planets that form a single unit that constitutes a system for providing services that implement distributed smart contracts, server applications, etc., mainly a closed blockchain such as a private or consortium type, and is composed of at least one distributed ledger structure composed of multiple chains that may include a group of distributed ledgers and a public blockchain, and transmits and exchanges predetermined information between the debtor authenticated by the debtor authentication means and the creditor authenticated by the creditor authentication means, and obtains agreement information between the authenticated contracting parties regarding the execution of predetermined processes, including the backup, restoration, and deletion of personal information of the authenticated contracting parties and contract data in a distributed program contract that are subject to backup. An encryption / polynomial secret sharing partitioning means having an encryption / polynomial secret sharing smart contract that has the function of partitioning the personal information of the authenticated contracting party to be backed up and the contract data in a distributed program contract into multiple file data by encryption / polynomial secret sharing, based on an acquisition means and an agreement information regarding the execution of predetermined processing including backing up, restoration, and deletion processing of the personal information of the authenticated contracting party to be backed up and the contract data in a distributed program contract to be backed up, acquired by the agreement information acquisition means; a security point sorting means that sorts the multiple file data partitioned by the encryption / polynomial secret sharing partitioning means into one of multiple security points; a security point sorting destination information management means that manages the sorting destination information of the file data sorted by the security point sorting means in a black box environment; and a modification of the file data sorted by the security point sorting means, and for file data that does not exceed the block size, multiple nodes of a distributed management file group established on the blockchain.The system includes a modification and distributed recording means having a processing smart contract that has the function of distributing and recording file data exceeding the block size to multiple nodes of a distributed management file group separate from the blockchain, and an index information creation, encryption, and recording means having a processing smart contract that has the function of creating and encrypting index information of the file data distributed and recorded by the modification and distributed recording means and recording it on a specific node of the blockchain in a black box environment, and the security point sorting destination information management means that uses the personal information of the authenticated contracting party to be restored and the agreement information regarding the execution of the restoration process of contract data in a distributed program contract obtained by the agreement information acquisition means to block An index information decryption means having a processing smart contract that has the function of decrypting the index information of the file data recorded by the index information creation, encryption, and recording means for each group of file data associated with the information of the respective preservation point managed in a rack box environment; and a file data extraction means having a processing smart contract that has the function of extracting the modified and distributed recorded file data from multiple nodes of the distributed management file of the preservation destination blockchain and multiple nodes of a distributed management file separate from the blockchain, based on the index information decrypted by the index information decryption means, and restoring it to its state before modification. A digital data restoration means having a processing smart contract that has the function of integrating and decrypting multiple fragmented file data extracted by the file data extraction means and restoring them to the personal information of the authenticated contracting party and the contract data in the distributed program contract before backup, and based on the agreement information regarding the execution of the deletion process of the personal information of the authenticated contracting party and the contract data in the distributed program contract to be deleted, obtained by the agreement information acquisition means, for each group of file data linked to the information of each said protection point managed in a black box environment by the protection point sorting destination information management means,It is preferable to have a configuration comprising: a deletion processing index information decryption means having a processing smart contract that has the function of decrypting the index information of the file data recorded in the index information creation, encryption, and recording means; a file data deletion means having a processing smart contract that has the function of deleting the file data of a predetermined generation or earlier that has been modified and distributed recorded on multiple nodes of the distributed management file of the blockchain that is the safeguarding destination corresponding to the file data and on multiple nodes of a distributed management file separate from the blockchain, based on the index information decrypted by the deletion processing index information decryption means; and a second file data deletion means that deletes the information of the safeguarding point associated with the file data to be deleted, which is managed in a black box environment by the safeguarding point sorting destination information management means, based on the personal information of the authenticated contracting parties obtained by the agreement information acquisition means and the agreement information regarding the execution of the deletion process of contract data in a distributed program contract.

[0017] Furthermore, in the claim assignment processing system of the present invention, the real-time protected digital asset guard service provision system is a unit that combines blockchain and file distributed management functions, etc., consisting of a group of nodes that combine nodes in multiple locations in different regions around the world, and is constructed with multiple planets that form a single unit that constitutes a system for providing services that implement distributed smart contracts, server applications, etc., and is mainly a closed blockchain such as a private or consortium type, and is composed of at least one distributed ledger structure that is composed of multiple chains that may include a group of distributed ledgers and a public blockchain, etc., and transmits and exchanges predetermined information between the creditor, who is the assignor of the claim as a debtor authenticated by the debtor authentication means, and the third party, who is the assignee of the claim as a creditor authenticated by the creditor authentication means, and executes predetermined processing including the backup, restoration, and deletion of personal information of the creditor as the assignor of the claim and the third party as the assignee of the claim, who are the authenticated contract parties that are subject to backup, and the transfer information of the claim. A means for acquiring agreement information to acquire mutual agreement information between the creditor as the assignor of the claim and the third party as the assignee of the claim, who are the authenticated contracting parties; an encryption / polynomial secret sharing partitioning means having a processing smart contract that has the function of partitioning the personal information of the creditor as the assignor of the claim and the third party as the assignee of the claim, who are the authenticated contracting parties and the target of backup, and the transfer information of the claim, into multiple file data by encryption / polynomial secret sharing, based on the agreement information for executing predetermined processing, including backup, restoration, and deletion processing of the personal information of the creditor as the assignor of the claim and the target of backup, and the transfer information of the claim, who are the authenticated contracting parties and the target of backup, obtained by the agreement information acquisition means; a security point sorting means that sorts the multiple file data partitioned by the encryption / polynomial secret sharing partitioning means into one of multiple security points; and a security point sorting destination information management means that manages the sorting destination information of the file data sorted by the security point sorting means in a black box environment.Modification and distributed recording means having a processing smart contract that modifies the file data sorted by the aforementioned preservation point sorting means and distributes the recording of file data that does not exceed the block size to multiple nodes of a distributed management file group established on the blockchain, and file data that exceeds the block size to multiple nodes of a distributed management file group separate from the blockchain; Index information creation, encryption, and recording means having a processing smart contract that creates and encrypts index information of the file data distributed and recorded by the modification and distributed recording means and records it on a specific node of the blockchain in a black box environment; and based on the agreement information regarding the execution of the restoration process of the personal information of the creditor as the assignor of the claim and the third party as the assignee of the claim, which are the authenticated contract parties to be restored and are acquired by the agreement information acquisition means, the respective persons managed in a black box environment by the preservation point sorting destination information management means. For each group of file data associated with the information of the security point, an index information decryption means having a processing smart contract that has the function of decrypting the index information of the file data recorded by the index information creation, encryption, and recording means; a file data extraction means having a processing smart contract that has the function of extracting the modified and distributed recorded file data from multiple nodes of the distributed management file of the security destination blockchain and multiple nodes of a distributed management file separate from the blockchain, based on the index information decrypted by the index information decryption means, and restoring it to its state before modification; a digital data restoration means having a processing smart contract that has the function of integrating and decrypting the fragmented file data extracted by the file data extraction means and restoring it to the personal information of the creditor as the assignor of the claim and the third party as the assignee of the claim, who are the authenticated contract parties, and the transfer information of the claim, before the backup;Based on the agreement information regarding the execution of deletion processing of personal information of the creditor as the assignor of the claim and the third party as the assignee of the claim, who are the authenticated contracting parties to be deleted and whose personal information and transfer information of the claim are to be deleted, obtained by the agreement information acquisition means, the deletion processing index information decryption means has a processing smart contract that has the function of decrypting the index information of the file data recorded in the index information creation, encryption, and recording means for each group of file data associated with the information of each of the protection points managed in a black box environment by the protection point sorting destination information management means, and based on the index information decrypted by the deletion processing index information decryption means, the corresponding file data It is preferable to have a configuration comprising: a file data deletion means having a processing smart contract that has the function of deleting file data from a predetermined generation or earlier that has been modified and distributed recorded on multiple nodes of the distributed management file of the protected blockchain and multiple nodes of a distributed management file separate from the blockchain; and a second file data deletion means that deletes the information of the protected point associated with the file data to be deleted, which is managed in a black box environment by the protected point sorting destination information management means, based on agreement information regarding the execution of deletion processing of personal information of the creditor as the assignor of the claim and the third party as the assignee of the claim, who are the authenticated contract parties, and the transfer information of the claim, obtained by the agreement information acquisition means. [Effects of the Invention]

[0018] According to the present invention, by using blockchain technology, the transfer of claims such as monetary claims and digital tokens in small-scale transactions incorporating the concept of hedging can be automatically executed without burdening the parties involved, while fulfilling the requirements for enforceability against third parties. Furthermore, regarding the protection of personal information, a claim transfer processing system is obtained that is excellent in terms of cost, security strength, and processing convenience, and can withstand evolving cyberattacks such as quantum computer cryptography analysis, ransomware via users, and insider attacks. [Brief explanation of the drawing]

[0019] [Figure 1] It is an explanatory diagram schematically showing an example of the overall configuration common to each embodiment in the claim transfer processing system of the present invention. [Figure 2] It is an explanatory diagram schematically showing an example of the configuration of the debtor authentication means common to each embodiment in the claim transfer processing system of the present invention. [Figure 3] It is an explanatory diagram schematically showing an example of the configuration of the creditor authentication means common to each embodiment in the claim transfer processing system of the present invention. [Figure 4] It is an explanatory diagram schematically showing an example of the configuration of the distributed program contract conclusion means common to each embodiment in the claim transfer processing system of the present invention. [Figure 5] It is an explanatory diagram schematically showing the function of the real-time preservation type digital asset guard service providing system common to each embodiment in the claim transfer processing system of the present invention. [Figure 6] It is an explanatory diagram schematically showing an example of the overall configuration of the real-time preservation type digital asset guard service providing system common to each embodiment in the claim transfer processing system of the present invention. [Figure 7] It is an explanatory diagram schematically showing an example of the configuration of the agreement information acquisition means provided in the real-time preservation type digital asset guard service providing system common to each embodiment in the claim transfer processing system of the present invention. [Figure 8] It is an explanatory diagram schematically showing an example of the configuration of the encryption / polynomial secret sharing and segmentation means provided in the real-time preservation type digital asset guard service providing system common to each embodiment in the claim transfer processing system of the present invention. [Figure 9] It is an explanatory diagram schematically showing an example of the configuration of the preservation point sorting means provided in the real-time preservation type digital asset guard service providing system common to each embodiment in the claim transfer processing system of the present invention. [Figure 10]This is a schematic diagram illustrating an example of the configuration of a security point sorting destination information management means provided in a real-time security type digital asset guard service provision system common to each embodiment of the claim assignment processing system of the present invention. [Figure 11] This is a schematic diagram illustrating an example of the configuration of the modification and distributed recording means included in the real-time protected digital asset guard service provision system, which is common to each embodiment of the claim assignment processing system of the present invention. [Figure 12] This is a schematic diagram illustrating an example of the configuration of an index information creation, encryption, and recording means included in a real-time protected digital asset guard service provision system common to each embodiment of the claim assignment processing system of the present invention. [Figure 13] This is a schematic diagram illustrating an example of the configuration of an index information decoding means provided in a real-time protected digital asset guard service provision system common to each embodiment of the claim assignment processing system of the present invention. [Figure 14] This is a schematic diagram illustrating an example of the configuration of a file data extraction means provided in a real-time protected digital asset guard service provision system, which is common to each embodiment of the debt assignment processing system of the present invention. [Figure 15] This is a schematic diagram illustrating an example of the configuration of a digital data recovery means included in a real-time protected digital asset guard service provision system common to each embodiment of the debt assignment processing system of the present invention. [Figure 16] This is a schematic diagram illustrating an example of the configuration of the index information decoding means during deletion processing, which is included in the real-time protected digital asset guard service provision system common to each embodiment of the claim assignment processing system of the present invention. [Figure 17] This is a schematic diagram illustrating an example of the configuration of a file data deletion means provided in a real-time digital asset guard service provision system common to each embodiment of the debt assignment processing system of the present invention. [Figure 18]This is a schematic diagram illustrating an example of the configuration of a second file data deletion means provided in a real-time digital asset guard service provision system common to each embodiment of the claim assignment processing system of the present invention. [Figure 19] This is a schematic diagram illustrating an example of the configuration of a contract-related information preservation means common to each embodiment of the debt assignment processing system of the present invention. [Figure 20] This is an explanatory diagram illustrating the function of the control means for ensuring the requirements for asserting the assignment of claims against a third party are met, which is common to each embodiment of the claim assignment processing system of the present invention. [Figure 21] This is a schematic diagram illustrating an example of the configuration of a contract-related information restoration means common to each embodiment of the debt assignment processing system of the present invention. [Figure 22] This is a schematic diagram illustrating an example of the configuration of a contract-related information deletion means common to each embodiment of the debt assignment processing system of the present invention. [Figure 23] This is a schematic diagram illustrating an example of the configuration of a means for controlling the requirements for asserting a claim assignment against a third party in a claim assignment processing system according to the first embodiment of the present invention. [Figure 24] This is an explanatory diagram illustrating a schematic example of the configuration of a distributed program contract conclusion means with a claim assignment consent clause, which constitutes the control means for fulfilling the requirements for asserting claim assignment against third parties in the claim assignment processing system of the first embodiment. [Figure 25] This is an explanatory diagram illustrating a schematic example of the configuration of the means for creating an authentication ID for a claim assignment consent clause, which constitutes the control means for ensuring the requirements for asserting the claim assignment against a third party are met in the claim assignment processing system of the first embodiment. [Figure 26] This is an explanatory diagram illustrating a schematic example of the configuration of the authentication ID recording and storage means for the assignment of claims agreement clause, which constitutes the control means for the fulfillment of requirements for asserting the assignment of claims against third parties in the assignment of claims processing system of the first embodiment. [Figure 27] This is an explanatory diagram illustrating a schematic example of the configuration of the authentication ID assignment means for the assignment of claims clause, which constitutes the control means for the fulfillment of requirements for asserting the assignment of claims against third parties in the assignment of claims processing system of the first embodiment. [Figure 28]This is an explanatory diagram illustrating a schematic example of the configuration of the first contract data preservation means, which constitutes the control means for ensuring the requirements for asserting the assignment of claims against a third party in the claim assignment processing system of the first embodiment. [Figure 29] This is a schematic diagram illustrating an example of the configuration of a claim token issuance means with a claim assignment consent clause authentication ID, which constitutes the control means for ensuring the requirements for asserting the claim assignment against third parties in the claim assignment processing system of the first embodiment. [Figure 30] This is an explanatory diagram illustrating a schematic example of the configuration of a debt token sending means with a debt assignment consent clause authentication ID, which constitutes the debt assignment assignment requirements compliance control means in the debt assignment assignment processing system of the first embodiment. [Figure 31] This is an explanatory diagram illustrating a schematic example of the configuration of a claim token transaction means with a claim assignment consent clause authentication ID, which constitutes the control means for ensuring the requirements for asserting the claim assignment against third parties in the claim assignment processing system of the first embodiment. [Figure 32] This is a schematic diagram illustrating an example of the configuration of the first contract data recovery means in the debt assignment processing system of the first embodiment. [Figure 33] This is a schematic diagram illustrating an example of the configuration of the first contract data deletion means in the debt assignment processing system of the first embodiment. [Figure 34] This is an explanatory diagram showing a part of the basic processing flow related to the assignment of receivables using the receivables assignment processing system of the first embodiment. [Figure 35] This is an explanatory diagram showing a continuation of Figure 34 in the basic processing flow related to the assignment of receivables using the receivables assignment processing system of the first embodiment. [Figure 36] This is an explanatory diagram showing a continuation of Figure 35 in the basic processing flow related to the assignment of receivables using the receivables assignment processing system of the first embodiment. [Figure 37] This is an explanatory diagram showing a continuation of Figure 36 in the basic processing flow related to the assignment of receivables using the receivables assignment processing system of the first embodiment. [Figure 38] This is an explanatory diagram showing part of the other processing flow related to the assignment of receivables using the receivables assignment processing system of the first embodiment. [Figure 39] This is an explanatory diagram showing a continuation of Figure 38 in the flow of other processing related to the assignment of receivables using the receivable assignment processing system of the first embodiment. [Figure 40] This is an explanatory diagram showing other parts of the processing flow related to the assignment of claims using the claim assignment processing system of the first embodiment. [Figure 41] This is an explanatory diagram showing a continuation of Figure 40 in the flow of other processing related to the assignment of receivables using the receivables assignment processing system of the first embodiment. [Figure 42] This is a schematic diagram illustrating an example of the configuration of a means for controlling the fulfillment of requirements for asserting a claim assignment against a third party in a claim assignment processing system according to a second embodiment of the present invention. [Figure 43] This is an explanatory diagram illustrating a schematic example of the configuration of the first distributed program contract conclusion means with a debt repayment destination address limitation clause, which constitutes the control means for fulfilling the requirements for asserting the assignment of claims against third parties in the claim assignment processing system of the second embodiment. [Figure 44] This is an explanatory diagram illustrating a schematic example of the configuration of the second contract data preservation means, which constitutes the control means for ensuring the requirements for asserting the assignment of claims against a third party in the claim assignment processing system of the second embodiment. [Figure 45] This is a schematic diagram illustrating an example of the configuration of the first debt repayment destination address control means, which constitutes the control means for the fulfillment of requirements for asserting the assignment of a claim against a third party in the claim assignment processing system of the second embodiment. [Figure 46] This is an explanatory diagram illustrating a schematic example of the configuration of a debt transaction means that constitutes the debt assignment processing system of the second embodiment, which is a control means for the fulfillment of requirements for asserting the assignment of debt against a third party. [Figure 47] This is a schematic diagram illustrating an example of the configuration of the debt repayment recipient address ownership right transfer control means, which constitutes the debt assignment processing system of the second embodiment, that controls the fulfillment of requirements for asserting the assignment of claims against third parties. [Figure 48] This is a schematic diagram illustrating an example of the configuration of the second contract data recovery means in the second embodiment of the debt assignment processing system. [Figure 49]This is a schematic diagram illustrating an example of the configuration of the second contract data deletion means in the receivable assignment processing system of the second embodiment. [Figure 50] This is an explanatory diagram showing a part of the basic processing flow related to the assignment of receivables using the receivables assignment processing system of the second embodiment. [Figure 51] This is an explanatory diagram showing a continuation of Figure 50 in the basic processing flow related to the assignment of receivables using the receivables assignment processing system of the second embodiment. [Figure 52] This is an explanatory diagram showing a continuation of Figure 51 in the basic processing flow related to the assignment of receivables using the receivables assignment processing system of the second embodiment. [Figure 53] This is an explanatory diagram showing part of the other processing flow related to the assignment of receivables using the receivables assignment processing system of the second embodiment. [Figure 54] This is an explanatory diagram showing a continuation of Figure 53 in the flow of other processing related to the assignment of receivables using the receivable assignment processing system of the second embodiment. [Figure 55] This is an explanatory diagram showing other parts of the processing flow related to the assignment of claims using the claim assignment processing system of the second embodiment. [Figure 56] This is an explanatory diagram showing a continuation of Figure 55 in the flow of other processing related to the assignment of receivables using the receivables assignment processing system of the second embodiment. [Figure 57] This is a schematic diagram illustrating an example of the configuration of a means for controlling the fulfillment of requirements for asserting a claim assignment against a third party in a claim assignment processing system according to the third embodiment of the present invention. [Figure 58] This is an explanatory diagram illustrating a schematic example of the configuration of a second distributed program contract conclusion means with a debt repayment destination address limitation clause, which constitutes the control means for fulfilling the requirements for asserting the assignment of claims against third parties in the claim assignment processing system of the third embodiment. [Figure 59] This is an explanatory diagram illustrating a schematic example of the configuration of the third contract data preservation means, which constitutes the control means for ensuring the requirements for asserting the assignment of claims against a third party in the claim assignment processing system of the third embodiment. [Figure 60]This is a schematic diagram illustrating an example of the configuration of the second debt repayment destination address control means, which constitutes the control means for the fulfillment of requirements for asserting the assignment of a claim against a third party in the claim assignment processing system of the third embodiment. [Figure 61] This is an explanatory diagram illustrating a schematic example of the configuration of a debt transaction means that constitutes the debt assignment processing system of the third embodiment, which is a control means for controlling the fulfillment of requirements for asserting the assignment of debt against a third party. [Figure 62] This is an explanatory diagram illustrating a schematic example of the configuration of a digital asset transfer control means for the amount of debt equivalent, which constitutes the control means for the fulfillment of requirements for asserting the assignment of claims against third parties in the claim assignment processing system of the third embodiment. [Figure 63] This is a schematic diagram illustrating an example of the configuration of the third contract data recovery means in the debt assignment processing system of the third embodiment. [Figure 64] This is a schematic diagram illustrating an example of the configuration of the third contract data deletion means in the claim assignment processing system of the third embodiment. [Figure 65] This is an explanatory diagram showing a part of the basic processing flow related to the assignment of receivables using the receivables assignment processing system of the third embodiment. [Figure 66] This is an explanatory diagram showing a continuation of Figure 65 in the basic processing flow related to the assignment of receivables using the receivables assignment processing system of the third embodiment. [Figure 67] This is an explanatory diagram showing a continuation of Figure 66 in the basic processing flow related to the assignment of receivables using the receivables assignment processing system of the third embodiment. [Figure 68] This is an explanatory diagram showing part of the other processing flow related to the assignment of receivables using the receivables assignment processing system of the third embodiment. [Figure 69] This is an explanatory diagram showing a continuation of Figure 68 in other processing related to the assignment of receivables using the receivable assignment processing system of the third embodiment. [Figure 70] This is an explanatory diagram showing other parts of the processing flow related to the assignment of claims using the claim assignment processing system of the third embodiment. [Figure 71]This is an explanatory diagram showing a continuation of Figure 70 in the flow of other processing related to the assignment of receivables using the receivables assignment processing system of the third embodiment. [Figure 72] This is a schematic diagram illustrating an example of the configuration of a means for controlling the fulfillment of requirements for asserting a claim assignment against a third party in a claim assignment processing system according to the fourth embodiment of the present invention. [Figure 73] This is an explanatory diagram illustrating a schematic example of the configuration of a debt transaction means that constitutes the debt assignment processing system of the fourth embodiment, which is a control means for determining whether the requirements for asserting the assignment of debt against a third party have been met. [Figure 74] This is an explanatory diagram illustrating a schematic example of the configuration of the debt transfer information preservation means that constitutes the debt transfer assignment requirements compliance control means in the debt assignment assignment processing system of the fourth embodiment. [Figure 75] This is a schematic diagram illustrating an example of the configuration of the means for restoring receivable transfer information in the receivable transfer processing system of the fourth embodiment. [Figure 76] This is a schematic diagram illustrating an example of the configuration of the means for deleting claim transfer information in the claim transfer processing system of the third embodiment. [Figure 77] This is an explanatory diagram showing a part of the basic processing flow related to the assignment of receivables using the receivables assignment processing system of the fourth embodiment. [Figure 78] This is an explanatory diagram showing a continuation of Figure 77 in the basic processing flow related to the assignment of receivables using the receivables assignment processing system of the fourth embodiment. [Figure 79] This is an explanatory diagram showing part of the other processing flow related to the assignment of receivables using the receivables assignment processing system of the fourth embodiment. [Figure 80] This is an explanatory diagram showing a continuation of Figure 79 in the flow of other processing related to the assignment of receivables using the receivables assignment processing system of the fourth embodiment. [Figure 81] This is an explanatory diagram showing other parts of the processing flow related to the assignment of receivables using the receivable assignment processing system of the fourth embodiment. [Figure 82] This is an explanatory diagram showing a continuation of Figure 81 in the flow of other processing related to the assignment of receivables using the receivable assignment processing system of the fourth embodiment. [Figure 83] This is an explanatory diagram illustrating an example of the relationship between CT and monetary claims, which the inventor considered and examined during the derivation process of the present invention. [Figure 84] This is an explanatory diagram illustrating the resistance to tampering of digital rights in an RDB (relational database) and a real-time protected digital asset guard service provision system included in the claim assignment processing system of the present invention. [Modes for carrying out the invention]

[0020] Before describing the embodiments, we will explain the circumstances that led to the invention and the effects of the invention.

[0021] As mentioned above, currently there are various types of claims, and legally, it is complicated to deal with the requirements for asserting rights against third parties when those rights are transferred. This means that the basis for the rights is the contract (with a stamp and seal), which is a notarized document issued at a notary office. When assigning a claim arising from a contract, it is necessary to send a notice of assignment of the claim, for example, by certified mail with a confirmed date. If a notice of assignment of claim is not sent via certified mail, it is necessary to send a notice of assignment of claim via notarized document. However, the creation of notarized documents is still not fully automated and is basically done on paper, making it a cumbersome process.

[0022] However, Patent Document 1 discloses an information processing device that, with regard to technology for the transfer of securities or equity shares backed by assets such as real estate, and which creates digital certificates equivalent to certificates with a fixed date and time when asserting the requirements for asserting the assignment of a claim against a third party as stipulated in Article 467 of the Civil Code, digitally divides securities relating to rights related to a business based on a partnership agreement into small-lot securities, and together creates a certificate that fulfills the requirements for asserting the transfer of the small-lot securities against a third party, thereby enabling the transfer of securities rights through a simple procedure and allowing the rights relationship related to the transfer to be determined with the debtor and other third parties in connection with the transfer of rights.

[0023] The information processing device described in Patent Document 1 is designed to provide notification of consent to the transfer of rights and notification of information on the transfer of rights in order to satisfy the requirements for enforceability against third parties. Furthermore, while Patent Document 1 discloses that information on the transfer of rights is recorded in a distributed ledger including a blockchain, it is considered necessary to take defensive measures beyond simply recording the information on the blockchain in order to protect against cyberattacks using quantum computing technology that are anticipated in the future.

[0024] Furthermore, contracts are legally required to include information that identifies the contracting party, and the section containing this information is subject to personal information regulations. However, with current technology, it is not possible to delete information recorded on the blockchain, making it difficult to record personal information on the blockchain. Therefore, simply using blockchain technology is insufficient to meet the requirements for third-party protection, including the management of personal information. Even if personal information could be managed using blockchain, it would still need to be able to withstand evolving cyberattacks in terms of protecting that information (guaranteeing 100% data retention). However, the cyberattacks that can be anticipated are diverse, including quantum computer cryptography, ransomware via users, and insider attacks.

[0025] Furthermore, while conventional electronic contract records are managed on-premise (off-chain), it is considered desirable to move them on-chain from a comprehensive perspective, considering factors such as cost, security strength, and processing convenience.

[0026] The inventor of this case, anticipating future legal revisions, believed it necessary to construct a system using distributed ledger technology such as blockchain that would satisfy the requirements for enforceability against third parties without requiring notification of assignment of claims. In the process of deriving a strategy for notification of assignment in the assignment of claims, the inventor conducted the following considerations and studies.

[0027] Currently in Japan, there is no legal definition for the processing of rights transfers using blockchain technology, resulting in a legal deficiency. However, there is a movement worldwide to legally recognize rights transfers using blockchain technology, and Japan understands this and is moving towards amending its laws. Therefore, prior to considering and examining measures to fulfill the requirements for enforceability against third parties without issuing notice of assignment of claims in the assignment of claims, the inventor of this case considered and examined the following matters in advance.

[0028] A. A concept for notifying the assignment of claims in Japan using a blockchain method. The inventor of this case considered several technical and legal points when thinking about the concept of notifying the assignment of claims in Japan using a blockchain method.

[0029] A-1. Use of Blockchain Technology Blockchain is based on distributed ledger technology (DLT), and is characterized by its difficulty in tampering with data and its high transparency. It is believed that using distributed ledger technology to notify of assignment of claims makes it possible to maintain records of assignment notifications in an immutable and reliable manner, and this approach is being implemented in countries such as the United States.

[0030] A-2. Concept and implementation of notice of assignment of claim Traditionally, notices of assignment of claims were sent to the debtor in paper form, and the requirement for enforceability against third parties was generally met through confirmation of receipt. To perform notification and confirmation of receipt of debt assignment on the blockchain, the following steps can be considered.

[0031] The use of smart contracts is essential (in some cases, server programs are also possible, and this concept is included), and smart contracts will be utilized on the blockchain to automatically execute and record the contents of the debt assignment agreement. This automatically sends a transfer notification, and proof of its sending and receipt is recorded on the blockchain.

[0032] Furthermore, a timestamp function is necessary for transfers, and since blockchain automatically assigns a timestamp when data is recorded, it is thought that it will be possible to clearly prove when the notification was made. Even when register management is performed using methods other than blockchain-based token transfer, it is conceivable that a timestamp for the transfer of rights can be recorded in the information within the register using a dedicated transfer application.

[0033] A-3. Consideration of legal requirements for enforceability against third parties Under Japanese civil law, in order to make an assignment of a claim enforceable against a third party, notification to the debtor or the debtor's consent is required. For a notice of assignment of claims using blockchain technology to be considered legally valid, the following two conditions are thought to be necessary.

[0034] The first condition is whether a notification to a debtor made on the blockchain can be recognized as a legally valid notification, as a form of legal authentication. However, it is currently believed that the law is moving in the direction of amendment. The second condition is that, since data recorded on a blockchain is usually made public, it is considered necessary to render the relevant information meaningless or invalid by utilizing private blockchains or encryption technologies, from the standpoint of protecting personal information and maintaining confidentiality. The inventor of this case considered how to satisfy this second condition by using the real-time digital asset guard service provision system (Japanese Patent Application No. 2022-118956) derived by the inventor.

[0035] B. Monetary claims and bills of exchange in loan agreements In loan agreements, there are monetary claims and promissory notes (unique to Japan, although their use is declining due to the spread of credit). Both are important instruments in financial transactions.

[0036] B-1. Monetary Claims A monetary claim refers to the right to demand payment of a specific amount of money. For example, this includes the right to receive repayment of money lent under a loan agreement. In legal terms, monetary claims arise from contracts, and the debtor is obligated to pay a certain amount to the creditor. Furthermore, monetary claims can be transferred to a third party. Monetary claims, on the other hand, are primarily used in business and personal transactions, such as loans and accounts receivable.

[0037] B-2. Promissory note A promissory note is a security that promises to pay a certain amount of money on a certain date, and there are two types: "promissory notes" and "bills of exchange." The former is a promise from the issuer to the recipient, while the latter is a payment made by a third party on behalf of the issuer to the recipient. Legally, a promissory note is a negotiable instrument and is issued with a specific amount specified. Furthermore, promissory notes can be transferred by endorsement and can be traded in the market (such as on a promissory note exchange). Furthermore, promissory notes are used in commercial transactions as a means of credit transactions, allowing for payment deferral or installment payments, in other words, they are often used for short-term financing (although currently there is a trend towards overseas credit-type transactions).

[0038] B-3. ​​Main differences between receivables and bills of exchange Monetary claims are typically contractual rights and are valid against a specific individual or legal entity. On the other hand, promissory notes are securities and are characterized by their ability to be traded in the market. Regarding transferability, while monetary claims are transferable, promissory notes are even easier to transfer, and can be easily transferred to a third party, especially through endorsement. Regarding the certainty of payment, promissory notes usually have a fixed payment due date, and if payment is not made on that date, the holder of the note can take legal action. While monetary claims can also be used to demand payment, they sometimes have less legal enforceability compared to promissory notes.

[0039] C. Loan methods by banks Generally, when banks provide loans to individuals or businesses, they tend to choose loan receivables (loan agreements) rather than promissory notes.

[0040] C-1. Flexibility and ease of management Loan receivables are based on loan agreements, and loan terms (e.g., interest rate, repayment period, repayment method, etc.) can be set individually. This makes it easier for banks to set loan terms that are tailored to each customer's situation and to manage loans more easily. In contrast, promissory notes lack flexibility because the loan terms are fixed and it is difficult to change the contract details.

[0041] C-2. Risk Management Loan receivables allow banks to continuously monitor the creditworthiness of their borrowers, thereby strengthening risk management. Banks can modify the terms of a loan or require additional guarantees during the loan term, depending on the borrower's creditworthiness. In contrast, once a promissory note is issued, it is transferable, and it is difficult to predict who the final holder of the note will be, so there is no concept of risk management.

[0042] C-3. Legal force Loan receivables are based on loan agreements concluded with borrowers, and are generally legally enforceable if a notarized document is created. However, if a notarized document is not created and the borrower fails to make payments, legal proceedings (such as a lawsuit) to request seizure of assets may be necessary. In contrast, a promissory note is a negotiable instrument, creating an obligation to pay by a certain date. However, if payment is not made, legal procedures such as a promissory note lawsuit may be necessary.

[0043] C-4. Cost and procedural efficiency Issuing and managing promissory notes requires stamp duty, which incurs costs. Furthermore, issuing and collecting promissory notes (through banks, collection via promissory note exchanges, etc.) requires additional procedures, which are time-consuming and costly. In contrast, loan receivables do not incur such costs and are managed efficiently on a contract basis.

[0044] C-5. Suitability for Use Bills of exchange are typically used for short-term transactions and have a specific payment due date. On the other hand, bank loans address long-term funding needs, and repayment periods and terms can be set flexibly. For this reason, loan receivables are more suitable for bank lending, and the use of promissory notes is decreasing. Even in the case of syndicated loans, they are usually (almost always) "debt-type" loans.

[0045] D. Use of blockchain technology in debt repayment The inventor of this case considered and investigated the possibility of using blockchain technology to manage contracts in debt settlement, thereby increasing the liquidity of securities such as promissory notes.

[0046] D-1. Characteristics of Blockchain and Improvement of Liquidity Blockchain technology is a technology that can enhance the transparency and reliability of transactions through a distributed ledger. By tokenizing securities such as bonds and bills of exchange on the blockchain, it is believed that their transaction history can be recorded in an immutable form, and the transfer of ownership can be carried out instantly (transaction notification becomes possible). Furthermore, by utilizing smart contracts, processes such as the issuance, transfer, and payment of bills of exchange and receivables can be automated, thereby increasing transaction efficiency, improving the liquidity of bills of exchange and receivables, and making them easier to buy and sell.

[0047] D-2. Tokenization as a security Issuing debts and promissory notes as digital tokens on the blockchain would make it possible to easily divide and trade these assets. This is expected to eliminate the need for cumbersome paper-based procedures like those associated with traditional promissory notes, thereby increasing liquidity. Furthermore, tokenization on the blockchain is expected to make it easier to trade bills of exchange and debt on digital marketplaces. This is expected to allow access not only to traditional market participants but also to a new segment of investors. Basically, securities transactions require the implementation of the concept of distributed accounts, but in the case of bond transactions, address transactions using DID (Distributed Identification) are also considered possible.

[0048] D-3. Legal and Regulatory Challenges In Japan, the legal validity of tokenized debts and bills of exchange managed on a blockchain remains unclear. Even with STOs, legal protection of rights is not guaranteed. However, in line with global trends, this legislation is also moving towards implementation in Japan. In order to treat tokenized claims and bills of exchange as digital securities (negotiable instruments), they may be subject to the Securities and Exchange Act and other laws, and a legal framework is needed to address this. Currently, STOs are recognized as securities. However, as an extension of this, it is desirable to expand the scope of digital securities (securitys) to include receivables and bills of exchange, which are not currently covered by existing laws.

[0049] E. Identifying the issues and considering / examining solutions. As mentioned above, it is considered technically possible to increase the liquidity of debt and treat it like a security by managing it using blockchain technology. However, currently, unlike securities, the transfer of receivables is not straightforward. The inventor of this case organized the problem and considered and examined solutions.

[0050] E-1. Differences between bonds and securities A claim is a right to demand money or services based on a contract, and the assignment of a claim generally requires either "notice of assignment of claim" or "consent of the debtor" as requirements for enforceability against third parties. This is an essential procedure for asserting to third parties that a transfer has taken place. This notice is based on the idea that without it, third parties may not be aware of the transfer, and there is a risk that the transfer may not be recognized as valid.

[0051] On the other hand, securities are instruments that represent specific rights, and include bills of exchange, stock certificates, and corporate bonds. The most distinctive features of a security are its "security nature," which proves that the holder is the rightful owner, and its "transferability," which means it can be easily transferred. Securities can be easily transferred by endorsement or delivery, and the requirements for enforceability against third parties are automatically met.

[0052] E-2. Necessity of notification of assignment of claim In the case of assignment of a claim, notification to the debtor is required to fulfill the requirements for enforceability against third parties. Once a notice of assignment of a claim is issued, the assignment is legally recognized and can be asserted against third parties. Failure to notify the creditor of the assignment of the claim can lead to problems, such as the original creditor receiving payment from the debtor, which can result in complicated legal proceedings.

[0053] E-3. Use of Blockchain and Smart Contracts By utilizing blockchain technology and smart contracts, it is possible to automate the transfer of debt and increase transparency, which is expected to have the following advantages. Regarding increased transparency, since records of debt transfers are kept on the blockchain, the fact of the transfer becomes public and verifiable by anyone. Regarding automation, smart contracts can be used to automate the debt assignment process, and the assignment will be completed automatically when the conditions are met.

[0054] E-4. Simplification of requirements for asserting rights against third parties Even with the use of blockchain, current laws require notification to ensure enforceability against third parties when assigning claims. However, in the future, it is expected that notification will become unnecessary due to legal amendments and technological advancements such as those listed below. Therefore, the inventor of this case considered and examined measures to address such legal revisions. If the law is amended to recognize transaction records on the blockchain as legally valid notifications, it is believed that it will be possible to achieve liquidity similar to that of promissory notes for debt. The inventor believed that with technological advancements, it would be possible to ensure transparency and reliability while protecting privacy, thereby fulfilling the requirements for enforceability against third parties, by utilizing technologies such as private blockchains (more accurately, the real-time digital asset protection service provision system derived by the inventor) and zero-knowledge proofs.

[0055] E-5. Reasons why assigning a claim is difficult The reason why transferring claims is not as straightforward as transferring securities is due to legal requirements and the nature of the transaction. Securities, by their very nature, offer a high degree of trading freedom and are designed to be easily transferred. However, claims are based on specific contracts, and their transfer requires agreement and notification between the parties, making the process more complex.

[0056] F. Current status of assignment of claims notices and prospects for legal reform Even if the original contract allows for the assignment of a claim, it is generally not possible to waive the requirement to notify the other party of the assignment.

[0057] F-1. Requirements for enforceability against third parties and the necessity of notification Japanese civil law stipulates that when a claim is assigned, "notification" or "the debtor's consent" is required to assert its validity against the debtor or a third party (Article 467 of the Civil Code). This measure is intended to prevent the risk of a debtor making payments to the original creditor without a third party being aware of the transfer.

[0058] Even if the original contract allows for the assignment of a claim, if the debtor is not notified of or consents to the assignment, they will not be aware of the assignment, making it difficult to assert the validity of the assignment against a third party. Furthermore, unless a notice of assignment of claim has been given, if the debtor makes a payment to the original creditor, that payment is likely to be considered valid.

[0059] F-2. Differences between contractual provisions and practical applications Even when a contract allows for the assignment of a claim, in practice, it is common to secure the right to assert the claim against third parties by giving notice of the assignment. Notification of assignment of claims is considered important as a risk management measure to avoid legal disputes.

[0060] F-3. Possibilities for legal amendments and contractual innovations In the future, it is possible that legal amendments may be made to allow for clauses in contracts that eliminate the need for notification of assignment of claims, and that such clauses become legally permissible. It is conceivable that methods could be explored that utilize blockchain technology or similar technologies to automatically record the fact of a claim assignment and fulfill the requirements for enforceability against third parties.

[0061] G. Consideration and examination of measures to avoid issuing a notice of assignment of receivables. As mentioned above, even if the original contract that generates the claim allows for the assignment of the claim itself, current law requires notification or consent when assigning the claim, which is essential to fulfilling the requirements for enforceability against third parties. The inventor of this case considered and examined the following measures to maintain the effect of a debt assignment without issuing a notice of assignment when using a blockchain address as the recipient of debt repayment.

[0062] G-1. Use of blockchain address for repayment recipient The inventor in this case believed that by fixing the blockchain address to which the debt is to be repaid to a specified address, the repayment would be processed appropriately even after the debt was assigned, in order to avoid the notification of assignment of the debt. In more detail, when a debt assignment occurs, the new creditor (assignee) becomes the holder of the designated blockchain address (due to the smart contract, the right to hold the designated address is also transferred along with the assignment of the debt). Therefore, when the debtor makes a repayment to the same address, the repayment is automatically made to the new creditor.

[0063] G-2. Necessity of notification of assignment of claim In this case, unless the transfer of the blockchain address (i.e., the transfer of rights via smart contract and chain recording) is legally recognized, there is no guarantee that the debtor's payment obligation will be legally transferred to the new creditor. However, in practice, it was thought that proof of the transfer of the blockchain address could be obtained.

[0064] G-3. Challenges from a legal perspective When managing or transferring debts on a blockchain, if the debtor is not familiar with blockchain technology or its mechanisms, they may not understand the change in payment recipient. In such cases, there is a risk that the debtor may make incorrect payments.

[0065] G-4. Alternative: Decoupling of debt and repayment of loans Furthermore, in order to avoid notification of assignment of claim, the inventor considered separating the claim from the contract and reselling it, and having the original creditor transfer the amount repaid by the debtor to the assignee of the claim. In this scenario, the debtor would repay the original creditor, and the assignee would then receive the repayment from the original creditor. We believe this can be made possible by using blockchain technology. A practical challenge of this approach is that it would require a strong contract between the original creditor and the assignee, potentially leading to complex procedures in managing and controlling the flow of funds. This approach does not completely avoid legal issues, and an appropriate legal framework is essential. However, since the same applies to currently approved STOs, it is expected that legal reforms will be implemented in the near future.

[0066] Currently, another company holds a patent for notifying the transfer of rights in real estate transactions, as described in Patent Document 1. In the transfer of rights in real estate transactions, when a rights token is generated on the blockchain using an STO, the transaction details recorded on the blockchain are verifiable to the parties involved, and notification of the transfer of rights is provided accordingly. The Ministry of Justice has authorized the company to issue a notice of assignment of claims, and the company has obtained a patent for this method in relation to real estate STOs.

[0067] The inventor in this case did not focus on STOs, but rather on measures to ensure the enforceability of monetary claims against third parties. In claim assignments, promissory notes (i.e., claims treated as securities in a special category) are processed as "densai" (electronic promissory notes). However, the inventor considered and examined measures such as managing claim assignments on a blockchain and using the notification of the transaction occurring on the blockchain as a substitute for the claim assignment notification in the transfer of rights.

[0068] H. Handling of debt repayment Furthermore, the inventor of this case considered the handling of debt repayment as follows. When a debtor receives a loan using digital currency (including stablecoins and other currencies with monetary properties), the debtor has an address, and the digital currency is deposited into that blockchain address. In this case, if the debtor has knowledge of blockchain and has entered into a contract with the creditor that includes a clause stating that debt repayment must be made to a specific blockchain address, and that repayment to any other blockchain address is invalid, the debtor will repay the debt using digital currency to the designated blockchain address. However, the inventor of this case considered whether a notice of assignment of claim would be unnecessary if the claim, including the repayment blockchain address, were to be transferred or resold. In other words, the inventor believed that if a contract was concluded that included a clause stating that the repayment recipient for a loan using digital currency would be fixed to a specific blockchain address, then managing that repayment blockchain address would eliminate the need for a notice of assignment of claim. Therefore, the inventor of this case considered and examined the following points.

[0069] H-1. Clarification of the contract If a contract obligates a debtor to designate a blockchain address for repayment using digital currency and to make repayments to that blockchain address, the contract can stipulate that only repayments to that specific blockchain address are valid. In this case, the debtor is only obligated to repay to the designated blockchain address, and any other repayments will be invalid.

[0070] H-2. Assignment of claims and transfer of repayment address When a claim is assigned, in order for repayment to be made to the assignee, it is necessary for ownership of the blockchain address used for repayment to be transferred to the assignee. If a system is in place where, when a creditor assigns a claim to an assignee, ownership of the repayment blockchain address is simultaneously transferred to the assignee, then if the debtor makes a repayment to the same blockchain address, it will automatically reach the new creditor. In this case, theoretically, a notice of assignment of claim would not be required.

[0071] H-3. Risks from a Legal Perspective Even if a contract mandates repayment to a specific blockchain address, legally, there may still be risks if a notice of assignment of debt is not given. For example, if the original creditor mistakenly double-assigns the debt to the wrong blockchain address, a dispute could arise over which assignee is the true creditor. In that case, we thought that providing an application for debt repayment processing would eliminate errors. Furthermore, we believed that if the process in question did not lead to errors, it would not escalate into a dispute. While disputes may arise if the debtor fails to repay, it is believed that this problem can be resolved by allowing collateral to be set up using digital assets.

[0072] H-4. Future Outlook In the future, if mechanisms such as blockchain processing and automated rights transfer using smart contracts become legally recognized, it is expected that contract-based processing will become simpler and more secure.

[0073] H-5. Conclusion, Others The above-mentioned measures considered and examined by the inventor in this case theoretically make it possible to eliminate the need for notice of assignment of claim, but under current law, this carries legal risks. However, this risk can be eliminated through automated processing, and with explanations to the authorities and proof within the sandbox system, it is expected that the situation will move in the same direction as in other countries.

[0074] Furthermore, while the record of the transfer of rights for real estate ST in Patent Document 1 is a simple blockchain process, the measures for eliminating the need for notification in the assignment of claims considered and examined by the present inventor are based on the premise that the rights holder can be identified on-chain and the transfer of rights can be carried out while addressing privacy concerns. Furthermore, in automated processing, we considered how to ensure that even for non-securities such as claims, there would be no error in the business process, and that the new rights holder could receive repayment of the debt, without having to issue a notice of assignment of claim.

[0075] I. Others In addition, the inventor of this case considered and examined the following points.

[0076] In conventional debt assignment processing, the structure used to record and manage rights holders, such as those with personal information, is a server-based relational database, which is off-chain. However, because off-chain structures are independent structures (API connections) within the on-chain structure, information synchronization is lost. In contrast, the on-chain structure considered and examined by the inventor is superior in that all information processing is synchronized, and it is believed that this can be addressed by the real-time digital asset guard service provision system derived by the inventor for managing personal information (the information itself is made irrecoverable (invalidated) by deleting index information, thereby achieving on-chain management).

[0077] More specifically, other companies' services traditionally only use the blockchain's distributed ledger (DLT), while managing other aspects in off-chain relational databases (RDBs). In fact, most blockchains only have DLT functionality. In contrast, the real-time digital asset guard service provision system developed by the inventor in this case, in addition to the DLT function, is a blockchain structure that implements a function to manage distributed tables. It has a DMP (Data Management Platform, like a database, that processes data structures on-chain) function that applies the function of distributed tables, and this DMP function is configured to manage off-chain information managed by other companies, such as information that identifies rights holders. The inventors of this case believed that by processing relevant information on-chain using a real-time digital asset guard service provision system, it would be possible to achieve fully synchronized processing for information updates, thereby ensuring the reliable determination of rights in the transfer of legal rights. Conventionally, when off-chain functions, as in the case of other companies, are part of the overall functionality, inconsistencies in information synchronization occur. However, the DMP function of the real-time digital asset guard service provision system derived by the inventor is a fully synchronized process that does not cause information inconsistencies. For this reason, the inventor believed that by constructing a rights transfer system using the real-time digital asset guard service provision system, it would be possible to reliably process the requirements for asserting rights against third parties in rights transfer, resulting in an innovative technology not found in conventional technology.

[0078] Furthermore, the inventor of this case considered that, in the future, when the transfer of rights via blockchain becomes clearly legally recognized, and such on-chain processing becomes necessary for the synchronization of all information, the rights holder information itself should also be managed on-chain in the same way as the rights (transfer information). As a result, we believe that by managing personal information on-chain and handling rights transfers using blockchain technology, it will be possible to verify the transfer trace of claim assignment notices, thus enabling them to be recognized as deemed notices.

[0079] Furthermore, the real-time digital asset protection service provision system developed by the inventor in this case can perform transfer trace verification for notification of rights transfer, similar to blockchain, and this verification implements privacy controls, with no access rights processing for anyone other than those involved.

[0080] Furthermore, the real-time digital asset guard service provision system developed by the inventor implements functions to render information meaningless or invalidate it (information meaninglessness processing, deletion of index information in consensus-based complex processing), enabling the recording of customer information and contract details on-chain, thereby achieving optimal security, including avoidance of cyberattacks.

[0081] J. Issues concerning the assignment of receivables on the blockchain and credit risk trading (the concept of finding a counterparty for the assignment of receivables). The inventors of this case also considered and examined issues related to the assignment of receivables and credit risk transactions on the blockchain.

[0082] J-1. Confirmation of the items under consideration In this scheme, as shown in Figure 83, credit tokens (CTs) and monetary claims are generated. Here, CTs are a concept in which the delivered claims generated in a hedging contract are tokenized. If we are to consider monetary claims, it will be necessary to clarify their relationship with CTs. In addition, any type of transfer can be handled using existing registrations for assignment of claims or assignment of movable property. Furthermore, while some banking procedures require on-site attendance for registration, both the registration of assignment of claims and the registration of assignment of movable property can be processed online.

[0083] The inventors of this case believed that procedures for registering assignments of claims and assignments of movable property could be performed via blockchain and smart contracts of a real-time digital asset guarding service provision system.

[0084] It is believed that separating the credit portion of a bank's monetary claim, including separating only a portion of the credit portion of the monetary claim, can be done through a guarantee agreement. Furthermore, a guarantee agreement is a bilateral contract and does not involve the issue of assignment of claims. Furthermore, the treatment of BIS regulations differs depending on the rank of the guarantee company. Therefore, while risk hedging is possible by separating the credit portion, the extent of risk hedging cannot be determined without individual calculations, so we considered implementing a dedicated calculation logic.

[0085] J-2. Confirmation of legal requirements under the Electronic Signature Law and the Electronic Bookkeeping Law Neither the Electronic Signature Law nor the Electronic Bookkeeping Law requires anything more than building a system in accordance with legal requirements, and there are no legal requirements for licenses or notifications to conduct business.

[0086] Furthermore, there is a certification system in place for the Electronic Signature Law. However, as of December 13, 2023, there are only nine types of certified certification services. In other words, many electronic contract providers, including CloudSign, are operating without obtaining this certification, and no particular problems have arisen. Therefore, it is considered quite possible for the applicant in this case to operate without obtaining this certification. Accordingly, the inventor in this case considered building a smart contract type debt assignment system rather than an on-premise server type.

[0087] Furthermore, the Electronic Bookkeeping Law has an authentication system in place. Unlike the Electronic Signature Law, the Electronic Bookkeeping Law requires many accounting system providers to obtain certification. Therefore, it is considered necessary to obtain this certification if you are providing a service that complies with the Electronic Bookkeeping Law.

[0088] Based on the considerations and examinations described above, the inventor has organized the strategies and issues derived from these considerations and examinations, and after further consideration and examination, has derived a debt transfer processing system that uses blockchain technology to automatically execute the transfer of monetary claims and digital tokens in small-scale transactions, etc., incorporating the concept of hedging, without burdening the parties involved, while fulfilling the requirements for enforceability against third parties, and that is superior in terms of cost, security strength, and processing convenience, while also being able to withstand evolving cyberattacks such as quantum computer cryptography analysis, ransomware via users, and insider attacks regarding the protection of personal information.

[0089] The debt assignment processing system of the present invention is constructed with a distributed ledger in blockchain or other distributed ledger technology, and a smart contract or server application for performing predetermined processing using data managed in the distributed ledger, and is a debt assignment processing system that performs debt assignment processing while protecting personal information and other data that is difficult to manage in a system from high-level cyberattacks mainly on-chain, and includes a debtor authentication means for authenticating the debtor, who is one party to the contract, a creditor authentication means for authenticating the creditor, who is the other party to the contract, a predetermined distributed program contract conclusion means for concluding a predetermined distributed program contract by agreement between the debtor authenticated by the debtor authentication means and the creditor authenticated by the creditor authentication means, and a combination of polynomial secret sharing encryption processing and a processing method based on the agreement information of the authenticated contract parties, thereby preventing the use of predetermined information. The system comprises: a real-time digital asset guard service provision system equipped with a function to perform semantic processing and manage files in a distributed manner, sorted into multiple points, and to encrypt and manage index information for the distributed files; a contract-related information preservation means that preserves predetermined related information in a predetermined distributed program contract concluded via the predetermined distributed program contract conclusion means by agreement between a debtor authenticated by the debtor authentication means and a creditor authenticated by the creditor authentication means; and a claim assignment third-party assertion requirement fulfillment control means that controls the system to ensure that the requirements for asserting the claim assignment against a third party are met after the creditor assigns the claim to a third party, without notifying the debtor of the claim assignment or obtaining the debtor's consent to the claim assignment to the creditor or the third party.

[0090] If the system is configured as follows, such as the debt assignment processing system of the present invention, it is possible to render meaningless predetermined information by combining polynomial secret sharing encryption processing and a processing method based on the agreement information of the authenticated contracting parties, distribute and manage it as files sorted into multiple points, and encrypt and manage index information for the distributed files; and a contract-related information preservation means that preserves predetermined related information in a predetermined distributed program contract concluded via the predetermined distributed program contract conclusion means by agreement between the debtor authenticated by the debtor authentication means and the creditor authenticated by the creditor authentication means, in the real-time protected digital asset guard service provision system, then distributed program contract-related information linked to personal information can be rendered meaningless and distributed and managed on the blockchain, thereby strengthening resistance to evolving external cyberattacks. Furthermore, by processing relevant information on-chain using a real-time digital asset guard service provision system, complete synchronization of information updates can be achieved, ensuring the reliable determination of rights in the transfer of legal rights. This allows for reliable processing of requirements for asserting rights against third parties in the transfer of rights.

[0091] Furthermore, if the claim assignment processing system of the present invention is configured to include "a means for controlling the fulfillment of requirements for asserting the claim assignment against a third party, which controls the fulfillment of the requirements for asserting the claim assignment against a third party without requiring either notification of the claim assignment to the debtor or consent from the debtor to the creditor or the third party after the creditor has assigned the claim to a third party," then it becomes possible to assign a claim without imposing any burden on the contracting parties to fulfill the requirements for asserting the claim against a third party, such as notifying the debtor of the claim assignment.

[0092] Furthermore, in the claim assignment processing system of the present invention, preferably, the claim assignment requirements for enforceability against third parties control means includes a distributed program contract conclusion means with a claim assignment consent clause that concludes a distributed program contract with a claim assignment consent clause that stipulates the debtor's consent to the creditor's assignment of the claim to a third party by agreement between the debtor authenticated by the debtor authentication means and the creditor authenticated by the creditor authentication means, A means for creating an assignment of claim consent clause authentication ID that authenticates the assignment of claim consent clause stipulated in a distributed program agreement with an assignment of claim consent clause concluded by the aforementioned means for concluding a distributed program agreement with an assignment of claim consent clause; a means for recording and storing the assignment of claim consent clause authentication ID created by the means for concluding a distributed program agreement with an assignment of claim consent clause; a means for concluding an assignment of claim consent clause authentication ID created by the means for concluding a distributed program agreement with an assignment of claim consent clause via the aforementioned means for concluding a distributed program agreement with an assignment of claim consent clause. A means for assigning an assignment of claims clause authentication ID to the contract of a distributed program contract with an assignment of claims clause that has been concluded; a first contract data preservation means for preserving the contract data of a distributed program contract with an assignment of claims clause to which an assignment of claims clause authentication ID has been assigned via the assignment of claims clause authentication ID assigning means, by agreement between the debtor authenticated by the debtor authentication means and the creditor authenticated by the creditor authentication means, in the real-time preservation type digital asset guard service provision system; and via the means for concluding a distributed program contract with an assignment of claims clause. In the conclusion of a decentralized program agreement with a claim assignment consent clause, a claim token issuance means with a claim assignment consent clause authentication ID attached, which issues claim tokens based on the specified underlying digital assets sent by the creditor to the debtor's address, and which assigns a claim assignment consent clause authentication ID created by the claim assignment consent clause authentication ID creation means; a claim token delivery means with a claim assignment consent clause authentication ID attached, which sends the claim token issued by the claim assignment consent clause authentication ID attached claim token issuance means to the creditor's address; and, upon instruction from the creditor,It comprises a debt token trading means that facilitates the buying and selling of debt tokens with a debt assignment consent clause authentication ID between the creditor and a third party who wishes to acquire the debt tokens with a debt assignment consent clause authentication ID held by the creditor.

[0093] If the means for controlling the fulfillment of requirements for asserting the assignment of a claim against a third party, as in the claim assignment processing system of the present invention, is configured to include "means for concluding a distributed program contract with a claim assignment consent clause, which, by agreement between the debtor authenticated by the debtor authentication means and the creditor authenticated by the creditor authentication means, concludes a distributed program contract with a claim assignment consent clause that stipulates the debtor's consent to the creditor's assignment of the claim to a third party," then by concluding a predetermined distributed program contract with a claim assignment consent clause that stipulates the debtor's consent to the creditor's assignment of the claim to a third party, it becomes possible to eliminate the need for the debtor to notify the creditor of their consent to the assignment of the claim.

[0094] Furthermore, if the claim assignment processing system of the present invention is configured such that the claim assignment requirements for enforceability against third parties are met control means includes "a claim assignment consent clause authentication ID creation means that creates a claim assignment consent clause authentication ID that authenticates the claim assignment consent clause stipulated in the distributed program contract with a claim assignment consent clause concluded by the distributed program contract conclusion means with a claim assignment consent clause, based on an agreement between the debtor authenticated by the debtor authentication means and the creditor authenticated by the creditor authentication means, and a claim assignment consent clause authentication ID recording and storage means that records and stores the claim assignment consent clause authentication ID created by the claim assignment consent clause authentication ID creation means", then by creating, recording and storing a claim assignment consent clause authentication ID that authenticates the claim assignment consent clause based on an agreement between the authenticated contracting parties, it becomes possible to prove the legitimacy of the claim assignment consent clause with an ID.

[0095] Furthermore, as in the claim assignment processing system of the present invention, the claim assignment assignment requirements compliance control means includes a claim assignment acceptance clause authentication ID granting means that grants the claim assignment acceptance clause authentication ID created by the claim assignment acceptance clause authentication ID creation means to the contract of a distributed program contract with a claim assignment acceptance clause concluded via the claim assignment acceptance clause conclusion means, and an agreement between the debtor authenticated by the debtor authentication means and the creditor authenticated by the creditor authentication means that the claim assignment acceptance clause authentication ID is granted via the claim assignment acceptance clause authentication ID granting means. If the system is configured to include a "first contract data preservation means" that preserves the contract data of a distributed program contract with a given assignment of claim consent clause in the real-time preservation type digital asset guard service provider system, then by preserving the contract data of a contract with an assignment of claim consent clause to which an assignment of claim consent clause authentication ID has been assigned in the real-time preservation type digital asset guard service provider system, the contract data of a contract with an assignment of claim consent clause to which an assignment of claim consent clause authentication ID has been attached can be rendered meaningless and managed in a decentralized manner on the blockchain, thereby strengthening resilience against evolving external cyberattacks.

[0096] Furthermore, if the claim assignment processing system of the present invention is configured such that the claim assignment requirements for enforceability against third parties are met control means includes "a claim assignment consent clause authentication ID-attached claim token issuance means that, upon conclusion of a decentralized program contract with a claim assignment consent clause via the claim assignment consent clause conclusion means, issues a claim token based on a predetermined supporting digital asset sent by the creditor to the debtor's address, by attaching a claim assignment consent clause authentication ID created by the claim assignment consent clause authentication ID creation means," then by issuing a claim token with a claim assignment consent clause authentication ID, the creditor who receives the claim token with a claim assignment consent clause authentication ID will be able to recognize the claim assignment consent clause authentication ID.

[0097] Furthermore, if the claim assignment processing system of the present invention is configured such that the control means for ensuring the requirements for asserting the claim assignment against a third party are met includes "a means for sending claim tokens with an authentication ID for claim assignment that are issued by the means for issuing claim tokens with an authentication ID for claim assignment that are Furthermore, the legitimacy of the assignment agreement clause in a claim token with an authentication ID for the assignment agreement clause can be proven by restoring the contract data of the decentralized program contract with an assignment agreement clause and an authentication ID for the assignment agreement clause, which is protected by a real-time protected digital asset guard service provision system, and verifying the restored content.

[0098] Furthermore, in the debt assignment processing system of the present invention, preferably, the debt assignment assignment requirements compliance control means concludes a first decentralized program contract with a debt repayment destination address restriction clause, which, by agreement between the debtor authenticated by the debtor authentication means and the creditor authenticated by the creditor authentication means, limits the method of debt repayment to a blockchain-based repayment method, which limits the blockchain address to which the debtor repays the debt to a specific blockchain address held by the creditor at the time of contract conclusion, invalidating debt repayment by a repayment method that does not use blockchain, and stipulates that debt repayment to a blockchain address other than the specified blockchain address specified in the blockchain-based debt repayment method will be invalid, and that debt repayment will be made by changing the address to the specified blockchain address specified in the blockchain-based debt repayment method, and concludes a first decentralized program contract with a debt repayment destination address restriction clause, which, by agreement between the debtor authenticated by the debtor authentication means and the creditor authenticated by the creditor authentication means, A second contract data preservation means for preserving contract data of a decentralized program agreement with a debt repayment destination address restriction clause, concluded by a decentralized program agreement conclusion means with a debt repayment destination address restriction clause, in the real-time preservation type digital asset guard service provider; a first debt repayment destination address control means that, based on the debt repayment destination address restriction clause of the first decentralized program agreement with a debt repayment destination address restriction clause concluded by the first decentralized program agreement conclusion means with a debt repayment destination address restriction clause, checks the blockchain address to which the debtor will repay the debt when the debtor repays the debt, and if the blockchain address to which the debtor will repay the debt is a blockchain address other than the restricted specific blockchain address, invalidates the debt repayment to that blockchain address and controls the debt repayment process to be carried out by changing the blockchain address to which the debt repayment destination is the restricted specific blockchain address; and a debt transaction means that, upon instruction from the creditor, conducts a transaction of the debt between the creditor and a third party who wishes to acquire the debt held by the creditor.The system is configured to include a debt repayment address ownership right transfer control means that controls the transfer of ownership rights of a specific blockchain address held by a creditor to a third party at the time of transfer, in conjunction with the creditor's transfer of the claim to a third party via the aforementioned debt transaction means.

[0099] If the debt assignment processing system of the present invention is configured such that the means for controlling the fulfillment of requirements for asserting the assignment of a claim against a third party is configured to include "a means for concluding a first decentralized program contract with a debt repayment destination address limitation clause which, by agreement between the debtor authenticated by the debtor authentication means and the creditor authenticated by the creditor authentication means, limits the method of debt repayment to a blockchain-based repayment method, which limits the blockchain address to which the debtor repays the debt to a specific blockchain address held by the creditor at the time of contract conclusion, invalidating debt repayment by a repayment method that does not use blockchain, and which stipulates that debt repayment to a blockchain address other than the specified blockchain address specified in the blockchain-based debt repayment method will be invalid, and that debt repayment will be made by changing the address to the specified blockchain address specified in the blockchain-based debt repayment method," then it becomes possible to prevent errors in the debtor's repayment destination when a claim is assigned.

[0100] Furthermore, if the claim assignment processing system of the present invention is configured such that the claim assignment requirements for asserting the assignment against a third party are met control means includes "a second contract data preservation means that preserves the contract data of the distributed program contract with a debt repayment destination address limitation clause, which is concluded by the first distributed program contract conclusion means with a debt repayment destination address limitation clause, in the real-time protected digital asset guard service provision system, based on an agreement between the debtor authenticated by the debtor authentication means and the creditor authenticated by the creditor authentication means," then the legitimacy of the debt repayment destination address limitation clause can be proven by restoring the contract data of the distributed program contract with a debt repayment destination address limitation clause, which is preserved by the real-time protected digital asset guard service provision system, and verifying the restored contents.

[0101] Furthermore, if the debt assignment processing system of the present invention is configured such that the debt assignment requirements for enforceability against third parties are met control means includes "a first debt repayment address control means that checks the blockchain address to which the debtor repays the debt at the time of debt repayment based on the debt repayment address limitation clause of the first decentralized program contract with debt repayment address limitation clause concluded by the first decentralized program contract with debt repayment address limitation clause, and if the blockchain address to which the debtor repays the debt at the time of debt repayment is a blockchain address other than the specified blockchain address that is limited, the debt repayment to that blockchain address is invalidated, and the blockchain address to which the debt repayment is made is changed to the specified blockchain address that is limited, and the debt repayment processing is performed," then it becomes possible to prevent errors in the debtor's debt repayment destination when a debt assignment is made.

[0102] Furthermore, if the claim assignment processing system of the present invention is configured such that the claim assignment requirements for third-party enforceability are met control means includes "a claim transaction means that, upon instruction from the creditor, conducts a transaction of the claim between the creditor and a third party who wishes to acquire the claim held by the creditor, and a debt repayment destination address ownership right transfer control means that controls the transfer of the ownership right of the specific blockchain address held by the creditor to the third party at the time of assignment in connection with the creditor's assignment of the claim to the third party via the claim transaction means," then the third party who is the assignee when the claim is assigned will be able to receive the debt repaid by the debtor to a fixed debt repayment destination address.

[0103] Furthermore, in the debt assignment processing system of the present invention, preferably, the debt assignment assignment requirements compliance control means concludes a second decentralized program contract with a debt repayment destination address restriction clause, which, by agreement between the debtor authenticated by the debtor authentication means and the creditor authenticated by the creditor authentication means, limits the debt repayment method to a blockchain-based repayment method that limits the blockchain address to which the debtor repays the debt to a specific blockchain address held by the creditor at the time of contract conclusion, invalidating debt repayment by a repayment method that does not use blockchain, and stipulates that debt repayment to a blockchain address other than the specified blockchain address specified in the blockchain-based debt repayment method will be invalid, and that debt repayment will be made by changing the address to the specified blockchain address specified in the blockchain-based debt repayment method, and concludes a second decentralized program contract with a debt repayment destination address restriction clause, which, by agreement between the debtor authenticated by the debtor authentication means and the creditor authenticated by the creditor authentication means, A third contract data preservation means for preserving contract data of a second decentralized program agreement with a debt repayment destination address restriction clause, concluded by the decentralized program agreement conclusion means with a destination address restriction clause, in the real-time preservation type digital asset guard service provider system; a second debt repayment destination address control means that, based on the debt repayment destination address restriction clause of the second decentralized program agreement with a debt repayment destination address restriction clause concluded by the second decentralized program agreement conclusion means with a debt repayment destination address restriction clause, checks the blockchain address to which the debtor is to repay the debt when the debtor repays the debt, and if the blockchain address to which the debtor is to repay the debt is a blockchain address other than the restricted specific blockchain address, invalidates the debt repayment to that blockchain address and controls the debt repayment process to be carried out by changing the blockchain address to which the debt repayment is to the restricted specific blockchain address; and a debt transaction means that, upon instruction from the creditor, conducts a transaction of the claim between the creditor and a third party who wishes to acquire the claim held by the creditor.In the event that a creditor assigns the claim to a third party via the aforementioned claim transaction means, the system includes a debt-equivalent digital asset transfer control means that controls the transfer of a predetermined digital asset equivalent to the amount of the debt sent from the debtor to the specific blockchain address held by the creditor at the time of contract conclusion, to a predetermined blockchain address held by the third party.

[0104] Furthermore, if the debt assignment processing system of the present invention is configured such that the means for controlling the fulfillment of requirements for asserting the assignment of a claim against a third party is defined as "a means for concluding a decentralized program contract with a debt repayment destination address limitation clause which, by agreement between the debtor authenticated by the debtor authentication means and the creditor authenticated by the creditor authentication means, limits the method of debt repayment to a blockchain-based repayment method, which limits the blockchain address to which the debtor repays the debt to a specific blockchain address held by the creditor at the time of contract conclusion, invalidating debt repayment by a repayment method that does not use blockchain, and which stipulates that debt repayment to a blockchain address other than the specified blockchain address to which it is limited in the blockchain-based debt repayment method will be invalid, and that debt repayment will be made by changing to the specified blockchain address to which it is limited," then it becomes possible to prevent errors in the debtor's repayment destination when a claim is assigned.

[0105] Furthermore, if the claim assignment processing system of the present invention is configured such that the claim assignment requirements for assertion against third parties are met control means includes "a third contract data preservation means that preserves the contract data of the second distributed program contract with a debt repayment destination address limitation clause, which is concluded by the second distributed program contract with a debt repayment destination address limitation clause concluded by the second distributed program contract with a debt repayment destination address limitation clause conclusion means, based on an agreement between the debtor authenticated by the debtor authenticated by the creditor authenticated by the creditor authentication means," then the legitimacy of the debt repayment destination address limitation clause can be proven by restoring the contract data of the distributed program contract with a debt repayment destination address limitation clause preserved by the real-time protected digital asset guard service provision system and verifying the restored contents.

[0106] Furthermore, if the claim assignment processing system of the present invention is configured such that the claim assignment requirements for enforceability against third parties are met control means includes "a second debt repayment address control means which checks the blockchain address to which the debtor repays the debt at the time of debt repayment based on the debt repayment address limitation clause of the second decentralized program contract with debt repayment address limitation clause concluded by the second decentralized program contract with debt repayment address limitation clause concluded by the second decentralized program contract with debt repayment address limitation clause, and if the blockchain address to which the debtor repays the debt at the time of debt repayment is a blockchain address other than the specified blockchain address that is limited, the debt repayment to that blockchain address is invalidated, and the blockchain address to which the debt repayment is made is changed to the specified blockchain address that is limited, and the debt repayment processing is performed," then it becomes possible to prevent errors in the debtor's debt repayment destination when a claim is assigned.

[0107] Furthermore, if the claim assignment processing system of the present invention is configured such that the claim assignment requirements for asserting the claim against a third party are met, the claim transaction means includes "a claim transaction means that, upon instruction from the creditor, conducts a transaction of the claim between the creditor and a third party who wishes to acquire the claim held by the creditor, and a digital asset transfer control means that controls the transfer of a predetermined digital asset equivalent to the amount of the debt sent from the debtor to the specific blockchain address held by the creditor at the time of contract conclusion to a predetermined blockchain address held by the third party" then the creditor does not transfer ownership rights to the specific blockchain address held by the creditor to the third party, and the third party who is the assignee in the case of a claim assignment can receive the debt repaid by the debtor to a fixed debt repayment address.

[0108] Furthermore, in the claim assignment processing system of the present invention, preferably, the claim is either a credit token that tokenizes a delivered claim, or a monetary claim. With this configuration, the claim assignment processing system of the present invention realizes a claim that can be assigned without burdening the parties involved, while also fulfilling the requirements for enforceability against third parties.

[0109] Furthermore, in the claim assignment processing system of the present invention, preferably, the claim assignment requirements compliance control means comprises: a claim transaction means that, upon instruction from the creditor, conducts a transaction of the claim between the creditor and a third party who wishes to acquire the claim held by the creditor; and a claim transfer information preservation means that preserves the claim transfer information in the real-time protected digital asset guard service provision system by agreement between the creditor, who is the assignor of the claim as the debtor in the claim assignment agreement authenticated by the debtor authentication means, and the third party, who is the assignee of the claim as the creditor in the claim assignment agreement authenticated by the creditor authentication means. With this configuration, the legitimacy of the claim transfer information can be proven by restoring the claim transfer information protected by the real-time digital asset guard service provision system and verifying the restored content. This makes it possible to fulfill the requirements for enforceability against third parties without involving the debtor, similar to the claim assignment registration system.

[0110] Furthermore, in the debt assignment processing system of the present invention, preferably, the real-time protected digital asset guard service provision system is a unit that combines blockchain and file distributed management functions, etc., consisting of a group of nodes that combine nodes in multiple locations in different regions around the world, and is constructed by having multiple planets that form a single unit that constitutes a system for providing services that implement distributed smart contracts, server applications, etc., and is mainly a closed blockchain such as a private or consortium type, and is composed of at least one distributed ledger structure that is composed of multiple chains that may include a group of distributed ledgers and a public blockchain, and transmits and exchanges predetermined information between the debtor authenticated by the debtor authentication means and the creditor authenticated by the creditor authentication means, and obtains mutual agreement information of the authenticated contracting parties regarding the execution of predetermined processing, including the backup, restoration, and deletion processing of personal information of the authenticated contracting parties that are subject to backup and contract data in a distributed program contract. A means for acquiring intent information, an encryption / polynomial secret sharing partitioning means having a processing smart contract that has the function of partitioning the personal information of the authenticated contracting party to be backed up and the contract data in a distributed program contract into multiple file data by encryption / polynomial secret sharing based on the consent information acquisition means and the consent information regarding the execution of predetermined processing including backing up, restoration, and deletion processing of the personal information of the authenticated contracting party to be backed up and the contract data in a distributed program contract to be backed up, based on the consent information acquisition means for acquiring intent information, an encryption / polynomial secret sharing partitioning means having a processing smart contract that has the function of partitioning the personal information of the authenticated contracting party to be backed up and the contract data in a distributed program contract to be backed up into multiple file data by encryption / polynomial secret sharing, a security point partitioning means that partitions the multiple file data partitioned by the encryption / polynomial secret sharing partitioning means into one of multiple security points, a security point partitioning destination information management means that manages the destination information of the partitioned file data partitioned by the security point partitioning means in a black box environment, and modifies the file data partitioned by the security point partitioning means, and for file data that does not exceed the block size, multiple nodes of a distributed management file group established on the blockchain,The system includes: a modification and distributed recording means having a processing smart contract that has the function of distributing and recording file data exceeding the block size to multiple nodes of a distributed management file group separate from the blockchain; an index information creation, encryption, and recording means having a processing smart contract that has the function of creating and encrypting index information of the file data distributed and recorded by the modification and distributed recording means and recording it on a specific node of the blockchain in a black box environment; and an index information decryption means having a processing smart contract that has the function of decrypting the index information of the file data recorded by the index information creation, encryption, and recording means for each group of file data associated with the information of each of the protection points managed in a black box environment by the protection point sorting destination information management means based on the personal information of the authenticated contracting parties to be restored and the agreement information regarding the execution of the restoration process of contract data in a distributed program contract obtained by the agreement information acquisition means, and the information of each protection point that is managed in a black box environment by the protection point sorting destination information management means; Based on the index information decrypted by the aforementioned index information decryption means, a file data extraction means has a processing smart contract that has the function of extracting the modified and distributed recorded file data from multiple nodes of the distributed management file of the blockchain destination corresponding to the file data and multiple nodes of a distributed management file separate from the blockchain, and restoring it to its state before modification. A digital data restoration means has a processing smart contract that has the function of integrating and decrypting the fragmented file data extracted by the file data extraction means and restoring it to the personal information of the authenticated contracting party and the contract data in the distributed program contract before backup. Based on the agreement information regarding the execution of the deletion process of the personal information of the authenticated contracting party and the contract data in the distributed program contract to be deleted, obtained by the agreement information acquisition means, for each group of file data associated with the information of each said safeguard point managed in a black box environment by the safeguard point sorting destination information management means,The system comprises: a deletion-processing index information decryption means having a processing smart contract that has the function of decrypting the index information of the file data recorded in the aforementioned index information creation, encryption, and recording means; a file data deletion means having a processing smart contract that has the function of deleting the modified and distributed recorded file data of a predetermined generation or earlier, based on the index information decrypted by the deletion-processing index information decryption means, to multiple nodes of the distributed management file of the blockchain that is the safeguarding destination corresponding to the file data and multiple nodes of a distributed management file separate from the blockchain; and a second file data deletion means that deletes the information of the safeguarding point associated with the file data to be deleted, which is managed in a black box environment by the safeguarding point sorting destination information management means, based on the personal information of the authenticated contracting parties obtained by the agreement information acquisition means and the agreement information regarding the execution of the deletion process of contract data in a distributed program contract. With this configuration, in managing contract data in a decentralized program contract linked to the personal information of the contracting parties, the polynomial data mosaicization and polynomial secret sharing encryption process that renders the data meaningless can be made irreversible. Furthermore, by cutting the index information that records where the meaningless information is managed, the link to the information actually being managed is severed, making it equivalent to deleting the relevant information. In other words, by invalidating the file data recorded on the blockchain and making it unrecoverable, it becomes possible to realize the management of contract data in a decentralized program contract linked to the personal information of the contracting parties in a form that does not involve personal information.

[0111] Furthermore, in the claim assignment processing system of the present invention, preferably, the real-time protected digital asset guard service provision system is a unit that combines blockchain and file distributed management functions, etc., consisting of a group of nodes that combine nodes in multiple locations in different regions around the world, and is constructed with multiple planets that form a single unit that constitutes a system for providing services that implement distributed smart contracts, server applications, etc., and is mainly a closed blockchain such as a private or consortium type, and is composed of at least one distributed ledger structure that is composed of multiple chains that may include a group of distributed ledgers, a public blockchain, etc., and transmits and exchanges predetermined information between the creditor who is the assignor of the claim as a debtor authenticated by the debtor authentication means and the third party who is the assignee of the claim as a creditor authenticated by the creditor authentication means, and performs predetermined processing including the backup, restoration, and deletion of personal information of the creditor as the assignor of the claim and the third party as the assignee of the claim, which are the authenticated contract parties that are subject to backup, and the backup, restoration, and deletion of the transfer information of the claim. A means for acquiring agreement information to acquire mutual agreement information between the creditor as the assignor of the claim and the third party as the assignee of the claim, who are the authenticated contracting parties, regarding the execution of the execution of the execution of the execution of the execution of the personal information of the creditor as the assignor of the claim and the third party as the assignee of the claim, who are the authenticated contracting parties, who are the assignor of the claim and the third party as the assignee of the claim, who are to be backed up, and the transfer information of the claim, which are to be backed up, which are to be backed up, and a processing smart contract having the function of dividing the personal information of the creditor as the assignor of the claim and the transfer information of the claim, who are the authenticated contracting parties, who are the assignor of the claim and the third party as the assignee of the claim, who are to be backed up, and the transfer information of the claim, which are to be backed up, into multiple file data by encryption and polynomial secret sharing; a means for sorting the multiple file data divided by the means for encryption and polynomial secret sharing into one of multiple security points; and a means for managing the destination information of the file data sorted by the means for security point sorting in a black box environment.Modification and distributed recording means having a processing smart contract that modifies the file data sorted by the aforementioned preservation point sorting means and distributes the recording of file data that does not exceed the block size to multiple nodes of a distributed management file group established on the blockchain, and file data that exceeds the block size to multiple nodes of a distributed management file group separate from the blockchain; Index information creation, encryption, and recording means having a processing smart contract that creates and encrypts index information of the file data distributed and recorded by the modification and distributed recording means and records it on a specific node of the blockchain in a black box environment; and based on the agreement information regarding the execution of the restoration process of the personal information of the creditor as the assignor of the claim and the third party as the assignee of the claim, which are the authenticated contract parties to be restored and are acquired by the agreement information acquisition means, the respective persons managed in a black box environment by the preservation point sorting destination information management means. For each group of file data associated with the information of the security point, an index information decryption means having a processing smart contract that has the function of decrypting the index information of the file data recorded by the index information creation, encryption, and recording means; a file data extraction means having a processing smart contract that has the function of extracting the modified and distributed recorded file data from multiple nodes of the distributed management file of the security destination blockchain and multiple nodes of a distributed management file separate from the blockchain, based on the index information decrypted by the index information decryption means, and restoring it to its state before modification; a digital data restoration means having a processing smart contract that has the function of integrating and decrypting the fragmented file data extracted by the file data extraction means and restoring it to the personal information of the creditor as the assignor of the claim and the third party as the assignee of the claim, who are the authenticated contract parties, and the transfer information of the claim, before the backup;Based on the agreement information regarding the execution of deletion processing of personal information of the creditor as the assignor of the claim and the third party as the assignee of the claim, who are the authenticated contracting parties to be deleted and whose personal information and transfer information of the claim are to be deleted, obtained by the agreement information acquisition means, the deletion processing index information decryption means has a processing smart contract that has the function of decrypting the index information of the file data recorded in the index information creation, encryption, and recording means for each group of file data associated with the information of each said security point, which is managed in a black box environment by the security point sorting destination information management means, and based on the index information decrypted by the deletion processing index information decryption means, the file data The configuration includes: a file data deletion means having a processing smart contract that has the function of deleting file data from a predetermined generation prior to the modified and distributed recorded on multiple nodes of the distributed management file of the corresponding security destination blockchain and multiple nodes of a distributed management file separate from the blockchain; and a second file data deletion means that deletes the information of the security point associated with the file data to be deleted, which is managed in a black box environment by the security point sorting destination information management means, based on agreement information regarding the execution of deletion processing of personal information of the creditor as the assignor of the claim and the third party as the assignee of the claim, who are the authenticated contract parties, and the transfer information of the claim, obtained by the agreement information acquisition means. With this configuration, in managing the transfer information of the claim linked to the personal information of the creditor as the assignor of the claim and the third party as the assignee of the claim, which are contracting parties, the polynomial data mosaicization and polynomial secret sharing encryption process that renders the data meaningless will be irreversible. Furthermore, by cutting the index information that records the management destination of the meaningless information, it will be possible to sever the link with the information actually being managed and make it equivalent to deleting the relevant information. In other words, by invalidating the file data recorded on the blockchain and making it unrecoverable, it will be possible to realize the management of the transfer information of the claim linked to the personal information of the creditor as the assignor of the claim and the third party as the assignee of the claim, which are contracting parties, in a form that does not involve personal information.

[0112] Therefore, the claim assignment processing system of the present invention allows for the automatic execution of the assignment of claims such as monetary claims and digital tokens in small-scale transactions that incorporate the hedging concept using blockchain technology, without burdening the parties involved, while ensuring enforceability against third parties. Furthermore, it provides a claim assignment processing system that is cost-effective, highly secure, and convenient, capable of withstanding evolving cyberattacks such as quantum computer cryptography analysis, ransomware via users, and insider attacks, in terms of protecting personal information. The embodiments for carrying out the present invention will be described below with reference to the drawings.

[0113] Configuration common to each embodiment Figure 1 is a schematic diagram illustrating an example of the overall configuration common to each embodiment of the debt assignment processing system of the present invention. Figure 2 is a schematic diagram illustrating an example of the configuration of the debtor authentication means common to each embodiment of the debt assignment processing system of the present invention. Figure 3 is a schematic diagram illustrating an example of the configuration of the creditor authentication means common to each embodiment of the debt assignment processing system of the present invention. Figure 4 is a schematic diagram illustrating an example of the configuration of the distributed program contract conclusion means common to each embodiment of the debt assignment processing system of the present invention. Figure 5 is a schematic diagram illustrating the functions of the real-time protected digital asset guard service provision system common to each embodiment of the debt assignment processing system of the present invention. Figure 6 is a schematic diagram illustrating an example of the overall configuration of the real-time protected digital asset guard service provision system common to each embodiment of the debt assignment processing system of the present invention. Figure 7 is a schematic diagram illustrating an example of the configuration of the agreement information acquisition means provided in the real-time protected digital asset guard service provision system common to each embodiment of the debt assignment processing system of the present invention. Figure 8 is a schematic diagram illustrating an example of the configuration of the encryption / polynomial secret sharing / decomposition means provided in the real-time protected digital asset guard service provision system common to each embodiment of the debt assignment processing system of the present invention. Figure 9 is a schematic diagram illustrating an example of the configuration of the protection point sorting means provided in the real-time protected digital asset guard service provision system common to each embodiment of the debt assignment processing system of the present invention. Figure 10 is a schematic diagram illustrating an example of the configuration of the protection point sorting destination information management means provided in the real-time protected digital asset guard service provision system common to each embodiment of the debt assignment processing system of the present invention. Figure 10 is a schematic diagram illustrating an example of the configuration of the protection point sorting destination information management means provided in the real-time protected digital asset guard service provision system common to each embodiment of the debt assignment processing system of the present invention. Figure 12 is a schematic diagram illustrating an example of the configuration of the index information creation / encryption / recording means provided in the real-time protected digital asset guard service provision system common to each embodiment of the debt assignment processing system of the present invention.Figure 13 is a schematic diagram illustrating an example of the configuration of an index information decoding means provided in a real-time digital asset guard service provision system common to each embodiment of the debt assignment processing system of the present invention. Figure 14 is a schematic diagram illustrating an example of the configuration of a file data extraction means provided in a real-time digital asset guard service provision system common to each embodiment of the debt assignment processing system of the present invention. Figure 15 is a schematic diagram illustrating an example of the configuration of a digital data recovery means provided in a real-time digital asset guard service provision system common to each embodiment of the debt assignment processing system of the present invention. Figure 16 is a schematic diagram illustrating an example of the configuration of an index information decoding means during deletion processing provided in a real-time digital asset guard service provision system common to each embodiment of the debt assignment processing system of the present invention. Figure 17 is a schematic diagram illustrating an example of the configuration of a file data deletion means provided in a real-time digital asset guard service provision system common to each embodiment of the debt assignment processing system of the present invention. Figure 18 is a schematic diagram illustrating an example of the configuration of a second file data deletion means provided in a real-time digital asset guard service provision system common to each embodiment of the debt assignment processing system of the present invention. Figure 19 is a schematic diagram illustrating an example of the configuration of a contract-related information preservation means common to each embodiment of the debt assignment processing system of the present invention. Figure 20 is a schematic diagram illustrating the function of a debt assignment third-party assertion requirement control means common to each embodiment of the debt assignment processing system of the present invention. Figure 21 is a schematic diagram illustrating an example of the configuration of a contract-related information restoration means common to each embodiment of the debt assignment processing system of the present invention. Figure 22 is a schematic diagram illustrating an example of the configuration of a contract-related information deletion means common to each embodiment of the debt assignment processing system of the present invention.

[0114] Each embodiment of the claim assignment processing system 1 is constructed with a distributed ledger in blockchain or other distributed ledger technology, and a smart contract or server application for performing predetermined processing using data managed in the distributed ledger. For example, as shown in Figure 1, it is configured to include a debtor authentication means 11, a creditor authentication means 12, a predetermined distributed program contract conclusion means 13, a real-time protected digital asset guard service provision system 100, a contract-related information preservation means 14, and a claim assignment third-party assertion requirements control means 15.

[0115] Debtor authentication means 11 The debtor authentication means 11 is configured to authenticate the debtor, who is one of the parties to the contract, as shown in Figure 2, for example.

[0116] Creditor authentication means 12 The creditor authentication means 12 is configured to authenticate the creditor, who is the other party in the contract, as shown in Figure 3, for example.

[0117] Predetermined distributed program contract conclusion means 13 The predetermined decentralized program contract conclusion means 13 is configured to conclude a predetermined decentralized program contract by agreement between a debtor authenticated by the debtor authentication means 11 and a creditor authenticated by the creditor authentication means 12, as shown in Figure 4, for example.

[0118] Real-time digital asset protection service provision system 100 The real-time digital asset guard service provision system 100 is configured, for example as shown in Figure 5, to perform meaningless processing on predetermined information by combining polynomial secret sharing encryption processing and a processing method based on the agreement information of the authenticated contracting parties, to distribute and manage the information as files sorted into multiple points, and to encrypt and manage the index information of the distributed files.

[0119] More specifically, the real-time digital asset guard service provision system 100 is a unit that combines blockchain and file distribution management functions, etc., consisting of a group of nodes that combine nodes in multiple locations in different regions around the world. It is constructed with multiple planets that form a single unit for providing services that implement distributed smart contracts and server applications, etc. It is primarily a closed blockchain such as a private or consortium type, and may include multiple chains such as distributed ledger groups and public blockchains. The system comprises at least one distributed ledger structure, and, for example, as shown in Figure 6, a consensus information acquisition means 101, an encryption / polynomial secret distribution / decomposition means 102, a security point sorting means 103, a security point sorting destination information management means 104, a modification / distributed recording means 105, an index information creation / encryption / recording means 106, an index information decryption means 107, a file data extraction means 108, a digital data recovery means 109, an index information decryption means 110 during deletion processing, a file data deletion means 111, and a second file data deletion means 112.

[0120] Agreement information acquisition means 101 The agreement information acquisition means 101 is configured, for example as shown in Figure 7, to transmit and exchange predetermined information between a debtor authenticated by the debtor authentication means 11 and a creditor authenticated by the creditor authentication means 12, and to acquire mutual agreement information between the authenticated contracting parties regarding the execution of predetermined processes, including the backup, restoration, and deletion of personal information of the authenticated contracting parties to be backed up and contract data in a distributed program contract. Furthermore, in a second aspect, the agreement information acquisition means 101 is configured to transmit and exchange predetermined information between the creditor, who is the assignor of the claim as a debtor authenticated by the debtor authentication means 11, and the third party, who is the assignee of the claim as a creditor authenticated by the creditor authentication means 12, and to acquire mutual agreement information between the creditor, who is the assignor of the claim and the third party, who is the assignee of the claim and is the authenticated contracting party, regarding the execution of predetermined processes, including the backup, restoration, and deletion of personal information of the creditor, who is the assignor of the claim and the third party, who is the assignee of the claim and is the authenticated contracting party, and the transfer information of the claim.

[0121] Encryption / Polynomial Secret Sharing and Splitting Method 102 The encryption / polynomial secret sharing partitioning means 102 is configured to have a processing smart contract that has the function of partitioning the personal information of the authenticated contracting party to be backed up and the contract data in the distributed program contract into multiple file data by encryption / polynomial secret sharing, based on agreement information regarding the execution of predetermined processes, including the backing up, restoration, and deletion of personal information of the authenticated contracting party to be backed up and contract data in the distributed program contract, which are to be backed up, obtained by the agreement information acquisition means 101, for example, as shown in Figure 8. Furthermore, the encryption / polynomial secret sharing partitioning means 102, in a second aspect, is configured to have a processing smart contract that has the function of partitioning the personal information of the three parties, the authenticated contracting parties, the creditor as the assignor of the claim and the third party as the assignee of the claim, and the transfer information of the claim, into multiple file data using encryption / polynomial secret sharing, based on agreement information regarding the execution of predetermined processing, including the backup, restoration, and deletion of personal information of the creditor as the assignor of the claim and the transfer information of the claim, which are the authenticated contracting parties, which are the targets of backup, obtained by the agreement information acquisition means 101.

[0122] Conservation point sorting method 103 The preservation point sorting means 103 is configured, for example as shown in Figure 9, to sort multiple file data partitioned by the encryption / polynomial secret sharing partitioning means 102 by associating them with one of multiple preservation points.

[0123] Preservation point sorting destination information management means 104 The preservation point sorting destination information management means 104 is configured to manage the sorting destination information of file data sorted by the preservation point sorting means 103 in a black box environment, for example, as shown in Figure 10.

[0124] Modification / distributed recording means 105 The modification and distributed recording means 105 is configured to have a processing smart contract that, for example as shown in Figure 11, modifies the file data sorted by the preservation point sorting means 103 and distributes the recording of file data that does not exceed the block size to multiple nodes of a distributed management file group provided on the blockchain, and to multiple nodes of a distributed management file group separate from the blockchain for file data that exceeds the block size.

[0125] Index information creation, encryption, and recording method 106 The index information creation, encryption, and recording means 106 is configured to have a processing smart contract that has the function of creating and encrypting index information of file data distributed and recorded by the modification and distributed recording means 105, as shown in Figure 12, and recording it on a specific node of the blockchain in a black box environment.

[0126] Index information decoding means 107 The index information decryption means 107 is configured to have a processing smart contract that has the function of decrypting the index information of the file data recorded in the index information creation, encryption, and recording means 106 for each group of file data associated with the information of each said security point, which is managed in a black box environment by the security point sorting destination information management means 104, based on the personal information of the authenticated contracting party to be restored, which is to be restored, and the agreement information regarding the execution of the restoration process of the contract data in the distributed program contract, which is to be restored, obtained by the agreement information acquisition means 101. Furthermore, in a second aspect, the index information decryption means 107 is configured to have a processing smart contract that has the function of decrypting the index information of the file data recorded in the index information creation, encryption, and recording means 106 for each group of file data associated with the information of each security point managed in a black box environment by the security point sorting destination information management means 104, based on the personal information of the creditor as the assignor of the claim and the third party as the assignee of the claim, which are the authenticated contract parties to be restored and which are to be restored, as well as the agreement information regarding the execution of the restoration process of the transfer information of the claim, obtained by the agreement information acquisition means 101.

[0127] File data extraction means 108 The file data extraction means 108 is configured, for example as shown in Figure 14, to have a processing smart contract that, based on the index information decrypted by the index information decryption means 107, extracts the modified and distributed recorded file data from multiple nodes of the distributed management file of the destination blockchain corresponding to the file data, and multiple nodes of a distributed management file separate from the blockchain, respectively, and restores it to its state before modification.

[0128] Digital data recovery method 109 The digital data recovery means 109 is configured to have a processing smart contract that has the function of integrating and decrypting multiple fragmented file data extracted by the file data extraction means 108, as shown in Figure 15, and restoring them to the personal information of the authenticated contracting party and the contract data in the distributed program contract before backup. Furthermore, in a second aspect, the digital data recovery means 109 is configured to have a processing smart contract that integrates and decrypts multiple fragmented file data extracted by the file data extraction means 108 and restores them to the personal information of the authenticated contracting parties, namely the creditor as the assignor of the claim and the third party as the assignee of the claim, as well as the transfer information of the claim, before backup.

[0129] Deletion process index information decryption means 110 The deletion processing index information decryption means 110 is configured to have a processing smart contract that has the function of decrypting the index information of the file data recorded in the index information creation, encryption, and recording means 106 for each group of file data associated with the information of each said security point, which is managed in a black box environment by the security point sorting destination information management means 104, based on the personal information of the authenticated contracting party to be deleted and the agreement information regarding the execution of the deletion process of contract data in a distributed program contract, which is obtained by the agreement information acquisition means 101. Furthermore, in a second aspect, the deletion-time index information decryption means 110 is configured to have a processing smart contract that has the function of decrypting the index information of the file data recorded in the index information creation, encryption, and recording means 106 for each group of file data associated with the information of each security point managed in a black box environment by the security point sorting destination information management means 104, based on the agreement information regarding the execution of the deletion process of personal information of the creditor as the assignor of the claim and the third party as the assignee of the claim, which are the authenticated contract parties to be deleted and which are to be deleted, as well as the transfer information of the claim, obtained by the agreement information acquisition means 101.

[0130] File data deletion means 111 The file data deletion means 111 is configured, for example as shown in Figure 17, to have a processing smart contract that has the function of deleting the modified and distributed recorded file data from a predetermined generation or earlier on multiple nodes of the distributed management file of the destination blockchain corresponding to the file data and on multiple nodes of a distributed management file separate from the blockchain, based on the index information decrypted by the index information decryption means 110 during deletion processing.

[0131] Second file data deletion means 112 The second file data deletion means 112 is configured, for example as shown in Figure 18, to delete information about the protection points associated with the file data to be deleted, which is managed in a black box environment by the protection point sorting destination information management means 104, based on the personal information of the authenticated contracting party obtained by the agreement information acquisition means 101 and the agreement information regarding the execution of the deletion process of contract data in a distributed program contract. Furthermore, the second file data deletion means 112 is configured, in a second aspect, to delete information on the protection points associated with the file data to be deleted, which is managed in a black box environment by the protection point sorting destination information management means 104, based on agreement information regarding the execution of deletion processing of personal information of the authenticated contracting parties, namely the creditor as the assignor of the claim and the third party as the assignee of the claim, as well as information on the transfer of the claim, obtained by the agreement information acquisition means 101.

[0132] Contract-related information preservation measures 14 The contract-related information preservation means 14 is configured, for example as shown in Figure 19, to preserve predetermined related information in a predetermined distributed program contract concluded via a predetermined distributed program contract conclusion means 13 by agreement between a debtor authenticated by the debtor authentication means 11 and a creditor authenticated by the creditor authentication means 12, in the real-time preservation type digital asset guard service provision system 100.

[0133] Control mechanism 15 for fulfilling requirements for asserting the assignment of claims against a third party The claim assignment requirements fulfillment control means 15 is configured to have a function to ensure that the requirements for asserting the claim assignment against a third party are met, for example, as shown in Figure 20, after the creditor assigns the claim to a third party, without notifying the debtor of the claim assignment or obtaining the debtor's consent to the claim assignment to the creditor or the third party.

[0134] Other configurations Furthermore, the debt assignment processing system 1 of each embodiment is configured to also include contract-related information restoration means 16 and contract-related information deletion means 17.

[0135] Contract-related information recovery method 16 The contract-related information restoration means 16 is configured to restore predetermined related information in a predetermined distributed program contract, which is concluded via a predetermined distributed program contract conclusion means 13 by agreement between a debtor authenticated by the debtor authentication means 11 and a creditor authenticated by the creditor authentication means 12, as shown in Figure 21, and which is protected by the real-time protected digital asset guard service provision system 100, to the real-time protected digital asset guard service provision system 100.

[0136] Contract-related information deletion method 17 The contract-related information deletion means 17 is configured, for example as shown in Figure 22, to cause the real-time protected digital asset guard service provision system 100 to delete predetermined related information in a predetermined distributed program contract that is concluded via a predetermined distributed program contract conclusion means 13 by agreement between a debtor authenticated by the debtor authentication means 11 and a creditor authenticated by the creditor authentication means 12, and is protected by the real-time protected digital asset guard service provision system 100.

[0137] First Embodiment Figure 23 is a schematic diagram illustrating an example of the configuration of the claim assignment requirements compliance control means in the claim assignment processing system according to the first embodiment of the present invention. Figure 24 is a schematic diagram illustrating an example of the configuration of the distributed program contract conclusion means with claim assignment acceptance clauses that constitute the claim assignment requirements compliance control means in the claim assignment processing system according to the first embodiment. Figure 25 is a schematic diagram illustrating an example of the configuration of the claim assignment acceptance clause authentication ID creation means that constitute the claim assignment requirements compliance control means in the claim assignment processing system according to the first embodiment. Figure 26 is a schematic diagram illustrating an example of the configuration of the claim assignment acceptance clause authentication ID recording and storage means that constitute the claim assignment requirements compliance control means in the claim assignment processing system according to the first embodiment. Figure 27 is a schematic diagram illustrating an example of the configuration of the claim assignment acceptance clause authentication ID assignment means that constitute the claim assignment requirements compliance control means in the claim assignment processing system according to the first embodiment. Figure 28 is a schematic diagram illustrating an example of the configuration of the first contract data preservation means that constitute the claim assignment requirements compliance control means in the claim assignment processing system according to the first embodiment. Figure 29 is a schematic diagram illustrating an example of the configuration of a debt token issuance means with a debt assignment acceptance clause authentication ID, which constitutes the debt assignment assignment requirements compliance control means in the debt assignment assignment processing system of the first embodiment. Figure 30 is a schematic diagram illustrating an example of the configuration of a debt token sending means with a debt assignment acceptance clause authentication ID, which constitutes the debt assignment assignment requirements compliance control means in the debt assignment assignment processing system of the first embodiment. Figure 31 is a schematic diagram illustrating an example of the configuration of a debt token transaction means with a debt assignment acceptance clause authentication ID, which constitutes the debt assignment assignment requirements compliance control means in the debt assignment assignment processing system of the first embodiment. Figure 32 is a schematic diagram illustrating an example of the configuration of the first contract data restoration means in the debt assignment assignment processing system of the first embodiment. Figure 33 is a schematic diagram illustrating an example of the configuration of the first contract data deletion means in the debt assignment assignment processing system of the first embodiment.

[0138] Control means 15 for fulfilling requirements for asserting the assignment of claims against a third party in the first embodiment The claim assignment processing system 1 of the first embodiment includes, for example, a means 15 for controlling the fulfillment of requirements for asserting a claim assignment against a third party, as shown in Figure 23, a means 13-1 for concluding a distributed program contract with a claim assignment acceptance clause, a means 15a for creating a claim assignment acceptance clause authentication ID, a means 15b for recording and storing a claim assignment acceptance clause authentication ID, a means 15c for assigning a claim assignment acceptance clause authentication ID, a means 14-1 for preserving first contract data, a means 15d for issuing a claim token with a claim assignment acceptance clause authentication ID, a means 15e for sending a claim token with a claim assignment acceptance clause authentication ID, and a means 15f for trading a claim token with a claim assignment acceptance clause authentication ID.

[0139] Distributed Program Agreement Conclusion Method with Assignment of Claims Agreement Clause 13-1 The distributed program contract conclusion means 13-1 with a claim assignment consent clause is configured, for example as shown in Figure 24, to conclude a distributed program contract with a claim assignment consent clause that stipulates the debtor's consent to the creditor's assignment of the claim to a third party, through an agreement between the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12.

[0140] means 15a for creating authentication ID for assignment of claim consent clause The claim assignment consent clause authentication ID creation means 15a is configured, for example as shown in Figure 25, to create a claim assignment consent clause authentication ID that authenticates the claim assignment consent clause stipulated in the distributed program contract with a claim assignment consent clause concluded by the distributed program contract with a claim assignment consent clause conclusion means 13-1, based on an agreement between the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12.

[0141] Claim assignment consent clause authentication ID recording and storage method 15b The claim assignment consent clause authentication ID recording and storage means 15b is configured to record and store the claim assignment consent clause authentication ID created by the claim assignment consent clause authentication ID creation means 15a, for example, as shown in Figure 26.

[0142] means 15c for assigning an authentication ID for the assignment of claim agreement clause The means 15c for assigning an authentication ID for the assignment of claims clause is configured, for example, as shown in Figure 27, to assign the authentication ID for assigning an assignment of claims clause created by the means 15a to the contract of the distributed program contract with an assignment of claims clause concluded via the means 13-1 for concluding the distributed program contract with an assignment of claims clause.

[0143] First contract data preservation method 14-1 The first contract data preservation means 14-1 is configured, for example as shown in Figure 28, to preserve the contract data of a distributed program contract with a claim assignment agreement clause, to which a claim assignment agreement agreement ID has been assigned via a claim assignment agreement agreement ID assignment means 15c, by agreement between the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12, in the real-time preservation type digital asset guard service provision system 100.

[0144] Debt assignment consent clause authentication ID attached debt token issuance method 15d The debt token issuance means 15d with a debt assignment consent clause authentication ID is configured, for example as shown in Figure 29, to issue debt tokens based on predetermined supporting digital assets sent by the creditor to the debtor's address when a decentralized program contract with a debt assignment consent clause is concluded via the decentralized program contract conclusion means 13-1 with a debt assignment consent clause, by assigning a debt assignment consent clause authentication ID created by the debt assignment consent clause authentication ID creation means 15a.

[0145] Debt assignment consent clause authentication ID attached debt token delivery method 15e The debt assignment agreement authentication ID-attached debt token sending means 15e is configured to send the debt assignment agreement authentication ID-attached debt token issued by the debt assignment agreement authentication ID-attached debt token issuing means 15d to the creditor's address, for example, as shown in Figure 30.

[0146] Debt assignment consent clause authentication ID attached debt token trading method 15f The debt token trading means 15f with the authentication ID of the debt transfer commitment clause, for example, as shown in FIG. 31, is configured to, upon receiving an instruction from the creditor, conduct the sale and purchase of the debt token with the authentication ID of the debt transfer commitment clause between the creditor and a third party who desires to transfer and receive the debt token with the authentication ID of the debt transfer commitment clause held by the creditor.

[0147] And the debt transfer processing system 1 of the first embodiment combines the polynomial secret sharing encryption processing of the real-time preservation type digital asset guard service providing system 100 and the processing method based on the consent information of the authenticated contract parties, and performs the obfuscation processing on the personal information of the authenticated contract parties and the contract data of the decentralized program contract in the form of the contract data of the decentralized program contract with the debt transfer commitment clause with the authentication ID of the debt transfer commitment clause. The data is divided into files at multiple points and distributed for management. At the same time, the index information of the distributed files is managed by the real-time preservation type digital asset guard service providing system 100 in an encrypted state.

[0148] Other configurations In addition, the debt transfer processing system 1 of the first embodiment further includes a first contract data restoration means 16-1 and a first contract data deletion means 17-1.

[0149] First contract data recovery method 16-1 The first contract data restoration means 16-1 is configured to, for example, as shown in FIG. 32, restore the contract data of the decentralized program contract with the debt transfer commitment clause, which is concluded through the decentralized program contract conclusion means 13-1 with the debt transfer commitment clause and preserved by the real-time preservation type digital asset guard service providing system 100, to the real-time preservation type digital asset guard service providing system 100 by the consent of the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12.

[0150] First contract-related information deletion method 17-1 The first contract-related information deletion means 17-1 is configured to cause the real-time protected digital asset guard service provision system 100 to delete the contract data of a distributed program contract with a claim assignment consent clause, which is concluded via the distributed program contract conclusion means 13-1 by agreement between a debtor authenticated by the debtor authentication means 11 and a creditor authenticated by the creditor authentication means 12, as shown in Figure 33, and is protected by the real-time protected digital asset guard service provision system 100.

[0151] The processing flow and other details using the first embodiment of the debt assignment processing system 1 configured in this manner will be explained with reference to the drawings as appropriate.

[0152] (S1) Basic processing flow (Figures 34-37) (S1-1) Authentication of contracting parties (Figure 34) The debtor is authenticated by the debtor authentication means 11 based on the debtor authentication personal identification information managed by the debtor authentication personal identification information management means (not shown). Creditors are authenticated by the creditor authentication means 12 based on the creditor authentication identity information managed by the creditor authentication identity information management means (not shown).

[0153] (S1-2) Conclusion of a distributed program agreement with a clause for consent to assignment of receivables (Figure 34) The distributed program contract conclusion method 13-1 with a claim assignment consent clause concludes a distributed program contract with a claim assignment consent clause, which stipulates the debtor's consent to the creditor's assignment of the claim to a third party, through an agreement between the debtor authenticated by the debtor authentication method 11 and the creditor authenticated by the creditor authentication method 12.

[0154] (S1-3) Creation of Authentication ID for Assignment of Claim Agreement Clause (Figure 34) The debt assignment consent clause authentication ID creation means 15a creates a debt assignment consent clause authentication ID that authenticates the debt assignment consent clause stipulated in the distributed program agreement with a debt assignment consent clause concluded by the distributed program agreement conclusion means 13-1, based on an agreement between the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12.

[0155] (S1-4) Recording and storage of authentication ID for the assignment of claim agreement (Figure 34) The claim assignment consent clause authentication ID recording and storage means 15b records and stores the claim assignment consent clause authentication ID created by the claim assignment consent clause authentication ID creation means 15a.

[0156] (S1-5) Assignment of Authentication ID for the Assignment of Claims Clause (Figure 34) The means 15c for assigning an authentication ID for the assignment of claims clause assigns the authentication ID for the assignment of claims clause created by the means 15a to the contract of the distributed program contract with an assignment of claims clause that was concluded via the means 13-1 for concluding the distributed program contract with an assignment of claims clause assigning ID.

[0157] (S1-6) Preservation of contract data for distributed program contracts with assignment of claims consent clauses (Figures 35, 36) The first contract data preservation means 14-1 preserves the contract data of a distributed program contract with a claim assignment agreement clause, to which a claim assignment agreement agreement ID has been assigned via the claim assignment agreement agreement ID assignment means 15c, based on an agreement between the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12, in the real-time digital asset guard service provision system 100. The real-time digital asset guard service provision system 100 preserves the contract data of a distributed program contract with a claim assignment agreement clause according to the following procedure.

[0158] (S1-6-1) Acquisition of agreement information (Figure 35) The consent information acquisition means 101 transmits and exchanges predetermined information between the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12, and obtains the mutual consent information of the authenticated contract parties regarding the execution of the evacuation process of the personal information of the authenticated contract parties to be evacuated and the contract document data of the decentralized program contract with the creditor transfer commitment clause.

[0159] (S1-6-2) Encryption and Polynomial Secret Sharing / Partitioning (Figure 35) Based on the consent information regarding the execution of the evacuation process of the personal information of the authenticated contract parties to be evacuated and the contract document data of the decentralized program contract with the creditor transfer commitment clause obtained by the consent information acquisition means 101, the encryption and polynomial secret sharing segmentation means 102 segments the personal information of the authenticated contract parties to be evacuated, important information, and other contract document data of the decentralized program contract with the creditor transfer commitment clause into a plurality of file data by encryption and polynomial secret sharing.

[0160] (S1-6-3) Sorting to conservation points (Figure 36) The preservation point sorting means 103 sorts the plurality of file data segmented by the encryption and polynomial secret sharing segmentation means 102 by associating them with any of the plurality of preservation points.

[0161] (S1-6-4) Management of information on sorting destinations for maintenance points (Figure 36) The preservation point sorting destination information management means 104 manages the sorting destination information of the file data sorted by the preservation point sorting means 103 in a black box environment.

[0162] (S1-6-5) Modified and distributed records (Figure 36) The modification and distributed recording means 105 modifies the file data sorted by the preservation point sorting means 103, and distributes and records the file data not exceeding the block size to a plurality of nodes of the distributed management file group provided in the blockchain, and the file data exceeding the block size to a plurality of nodes of the distributed management file group of a different system from the blockchain, respectively.

[0163] (S1-6-6) Creation, encryption, and recording of index information (Figure 36) The index information creation, encryption, and recording means 106 creates and encrypts index information for file data that is distributed and recorded by the modification and distributed recording means 105, and records it on a specific node of the blockchain in a black box environment.

[0164] (S1-7) Issuance of a debt token with an authentication ID for the debt assignment consent clause (Figure 37) The debt token issuance means 15d issues debt tokens with a debt assignment consent clause authentication ID, which is created by the debt assignment consent clause authentication ID creation means 15a, based on the predetermined supporting digital assets sent by the creditor to the debtor's address when a decentralized program agreement with a debt assignment consent clause is concluded via the decentralized program agreement conclusion means 13-1 with a debt assignment consent clause.

[0165] (S1-8) Sending of a claim token with an authentication ID for the claim assignment consent clause (Figure 37) The debt token delivery means 15e with a debt assignment consent clause authentication ID sends the debt token with a debt assignment consent clause authentication ID issued by the debt token issuance means 15d with a debt assignment consent clause authentication ID to the creditor's address.

[0166] (S1-9) Buying and selling of debt tokens with authentication ID for debt assignment consent clause (Figure 37) The debt token trading device 15f, which has an authentication ID for the assignment of debt agreement clause, conducts the buying and selling of the debt token with the authentication ID for the assignment of debt agreement clause between the creditor and a third party who wishes to acquire the debt token with the authentication ID for the assignment of debt agreement clause held by the creditor, upon the creditor's instructions.

[0167] (S1') Other processing flow (Figure 38)~(Figure 41) <(S1'-1) Processing during the recovery of personal information of authenticated contracting parties and contract data of distributed program contracts with assignment of claims consent clauses> (Figures 38, 39)

[0168] (S1'-1-1) Authentication of contracting parties (Figure 38) The debtor is authenticated by the debtor authentication means 11 based on the debtor authentication personal identification information managed by the debtor authentication personal identification information management means (not shown). Creditors are authenticated by the creditor authentication means 12 based on the creditor authentication identity information managed by the creditor authentication identity information management means (not shown).

[0169] (S1'-1-2) Restoration of contract data (Figures 38, 39) The first contract data recovery means 16-1 recovers the contract data of a distributed program contract with a claim assignment consent clause, which is concluded via the distributed program contract conclusion means 13-1 by agreement between the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12, and is protected by the real-time protected digital asset guard service provision system 100, into the real-time protected digital asset guard service provision system 100. The real-time protected digital asset guard service provision system 100 recovers the contract data of the distributed program contract with a claim assignment consent clause according to the following procedure.

[0170] (S1'-1-2-1) Acquisition of agreement information (Figure 38) The agreement information acquisition means 101 transmits and exchanges predetermined information between the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12, and acquires mutual agreement information between the authenticated contracting parties regarding the execution of the restoration process for the personal information of the authenticated contracting parties and the contract data of the distributed program contract with a claim assignment consent clause that is subject to backup.

[0171] (S1'-1-2-2) Decoding of index information (Figure 39) The index information decryption means 107 decrypts the index information of the file data recorded in the index information creation, encryption, and recording means 106 for each group of file data associated with the information of each said security point, which is managed in a black box environment by the security point sorting destination information management means 104, based on the agreement information acquisition means 101 for the personal information of the authenticated contracting party to be restored and the agreement information regarding the execution of the restoration process of the contract data of the distributed program contract with a claim assignment consent clause.

[0172] (S1'-1-2-3) Extraction of file data (Figure 39) The file data extraction means 108 extracts the modified and distributed recorded file data from multiple nodes of the distributed management file of the blockchain that is the storage destination, and from multiple nodes of a distributed management file separate from the blockchain, based on the index information decoded by

[0173] (S1'-1-2-4) Digital data recovery (Figure 39) The digital data recovery means 109 integrates and decrypts the fragmented file data extracted by the file data extraction means 108 to restore the personal information of the authenticated contracting party and the contract data of the distributed program contract with the assignment of claims agreement clause before backup.

[0174] <(S1'-2) Processing when deleting personal information of authenticated contracting parties or contract data of distributed program contracts with assignment of claims consent clauses> (Figures 40, 41) (S1'-2-1) Authentication of contracting parties (Figure 40) The debtor is authenticated by the debtor authentication means 11 based on the debtor authentication personal identification information managed by the debtor authentication personal identification information management means (not shown). Creditors are authenticated by the creditor authentication means 12 based on the creditor authentication identity information managed by the creditor authentication identity information management means (not shown).

[0175] (S1'-2-2) Deletion of contract data (Figures 40, 41) The first contract data deletion means 17-1 causes the real-time protected digital asset guard service provision system 100 to delete the contract data of a distributed program contract with a claim assignment consent clause, which is concluded via the distributed program contract conclusion means 13-1 by agreement between the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12, and is protected by the real-time protected digital asset guard service provision system 100. The real-time protected digital asset guard service provision system 100 deletes the contract data of the distributed program contract with a claim assignment consent clause according to the following procedure.

[0176] (S1'-2-2-1) Acquisition of agreement information (Figure 40) The agreement information acquisition means 101 transmits and exchanges predetermined information between the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12, and acquires mutual agreement information between the authenticated contracting parties regarding the execution of the deletion process for the personal information of the authenticated contracting parties and the contract data of the distributed program contract with a claim assignment consent clause that is subject to backup.

[0177] (S1'-2-2-2) Decryption of index information during deletion process (Figure 41) The deletion process index information decryption means 110, based on the agreement information regarding the execution of the deletion process for the personal information of the authenticated contracting party to be deleted and the contract data of the distributed program contract with a claim assignment consent clause, obtained by the agreement information acquisition means 101, decrypts the index information of the file data recorded in the index information creation, encryption, and recording means 106 for each group of file data associated with the information of each said security point, which is managed in a black box environment by the security point sorting destination information management means 104.

[0178] (S1'-2-2-3) Deleting file data (Figure 41) The file data deletion means 111 deletes the file data from a predetermined generation or earlier, which has been modified and distributed and recorded, on multiple nodes of the distributed management file of the blockchain that is the storage destination corresponding to the file data, and on multiple nodes of a distributed management file that is separate from the blockchain, based on the index information decoded by the index information decoded by the deletion processing

[0179] (S1'-2-2-4) Deletion of the second file data (Figure 41) The second file data deletion means 112 deletes the information of the protection points associated with the file data to be deleted, which is managed in a black box environment by the protection point sorting destination information management means 104, based on the personal information of the authenticated contracting party obtained by the agreement information acquisition means 101 and the agreement information regarding the execution of the deletion process for the contract data of the decentralized program contract with a claim assignment agreement clause. As a result, the file data that forms the basis of the contract data of the decentralized program contract with a claim assignment agreement clause, which is recorded in a distributed manner on the blockchain, becomes invalid, making it impossible to restore the contract data of the decentralized program contract with a claim assignment agreement clause.

[0180] Second Embodiment Figure 42 is a schematic diagram illustrating an example of the configuration of the control means for ensuring the requirements for asserting a claim assignment against a third party are met in the claim assignment processing system according to the second embodiment of the present invention. Figure 43 is a schematic diagram illustrating an example of the configuration of the first distributed program contract conclusion means with a debt repayment destination address limitation clause, which constitutes the control means for ensuring the requirements for asserting a claim assignment against a third party are met in the claim assignment processing system according to the second embodiment. Figure 44 is a schematic diagram illustrating an example of the configuration of the second contract data preservation means, which constitutes the control means for ensuring the requirements for asserting a claim assignment against a third party are met in the claim assignment processing system according to the second embodiment. Figure 45 is a schematic diagram illustrating an example of the configuration of the first debt repayment destination address control means, which constitutes the control means for ensuring the requirements for asserting a claim assignment against a third party are met in the claim assignment processing system according to the second embodiment. Figure 46 is a schematic diagram illustrating an example of the configuration of the claim transaction means, which constitutes the control means for ensuring the requirements for asserting a claim assignment against a third party are met in the claim assignment processing system according to the second embodiment. Figure 47 is a schematic diagram illustrating an example of the configuration of the debt repayment destination address ownership right transfer control means, which constitutes the control means for ensuring the requirements for asserting a claim assignment against a third party are met in the claim assignment processing system according to the second embodiment. Figure 48 is a schematic diagram illustrating an example of the configuration of the second contract data recovery means in the receivable assignment processing system of the second embodiment. Figure 49 is a schematic diagram illustrating an example of the configuration of the second contract data deletion means in the receivable assignment processing system of the second embodiment.

[0181] Second Embodiment: Control means 15 for fulfilling requirements for asserting the assignment of claims against a third party The debt assignment processing system of the second embodiment includes, for example, a distributed program contract conclusion means 13-2 with a clause limiting the debt repayment destination address, a second contract data preservation means 14-2, a debt repayment destination address control means 15g, a debt transaction means 15h, and a debt repayment destination address ownership right transfer control means 15i, as shown in Figure 42.

[0182] Distributed program contract conclusion method 13-2 with a clause limiting the address of the first debt repayment recipient The first decentralized program contract conclusion means 13-2 with a debt repayment address restriction clause is configured to conclude a first decentralized program contract with a debt repayment address restriction clause, which, for example as shown in Figure 43, is a debtor authenticated by the debtor authentication means 11 and a creditor authenticated by the creditor authentication means 12, by agreement that the method of debt repayment is limited to a blockchain-based repayment method in which the blockchain address to which the debtor repays the debt is limited to a specific blockchain address held by the creditor at the time the contract is concluded, and that debt repayment by a repayment method that does not use blockchain is invalid, and that debt repayment to a blockchain address other than the specified blockchain address restricted in the blockchain-based debt repayment method is invalid, and that debt repayment is made by changing to the specified blockchain address restricted.

[0183] Second contract data preservation method 14-2 The second contract data preservation means 14-2 is configured, for example as shown in Figure 44, to preserve the contract data of the first distributed program contract with a debt repayment destination address limitation clause, which is concluded by the first distributed program contract with a debt repayment destination address limitation clause

[0184] First debt repayment destination address control means 15g The first debt repayment destination address control means 15g is configured to check the blockchain address to which a debtor will repay their debt, based on the debt repayment destination address limitation clause of the first decentralized program contract with debt repayment destination address limitation clause concluded by the first decentralized program contract with debt repayment destination address limitation clause concluded by the first decentralized program contract with debt repayment destination address limitation means 13-2, for example as shown in Figure 45. If the blockchain address to which the debtor will repay their debt is a blockchain address other than the specified blockchain address that is limited, the debt repayment to that blockchain address is invalidated, and the blockchain address to which the debt repayment will be repaid is changed to the specified blockchain address that is limited, and the debt repayment process is carried out.

[0185] Debt transaction methods 15h The debt transaction instrument 15h is configured, for example as shown in Figure 46, to conduct a transaction of the debt between the creditor and a third party who wishes to acquire the debt held by the creditor, upon the creditor's instructions.

[0186] Debt repayment destination address ownership right transfer control means 15i The debt repayment destination address ownership transfer control means 15i is configured, for example as shown in Figure 47, to control the transfer of ownership rights of the specific blockchain address held by the creditor at the time of transfer to the third party when the creditor transfers the claim to the third party via the claim transaction means 15.

[0187] Furthermore, the debt assignment processing system 1 of the second embodiment is configured such that the personal information of the authenticated contracting party and the contract data of the first distributed program contract with a debt repayment destination address limitation clause concluded by the first distributed program contract conclusion means 13-2, which is used as contract data in the distributed program contract, are rendered meaningless, and are managed in a distributed manner as files sorted into multiple points. The index information for the distributed files is managed in an encrypted state by the real-time protected digital asset guard service provision system 100.

[0188] Other configurations Furthermore, the debt assignment processing system 1 of the second embodiment is configured to also include a second contract data recovery means 16-2 and a second contract data deletion means 17-2.

[0189] Second contract data recovery method 16-2 The second contract data recovery means 16-2 is configured to restore the contract data of the first distributed program contract with a debt repayment destination address limitation clause, which is concluded via the first distributed program contract with a debt repayment destination address limitation clause conclusion means 13-2 by agreement between the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12, as shown in Figure 48, and is protected by the real-time protected digital asset guard service provision system 100.

[0190] Second contract data deletion method 17-2 The second contract data deletion means 17-2 is configured to cause the real-time protected digital asset guard service provision system 100 to delete the contract data of the first distributed program contract with a debt repayment destination address limitation clause, which is concluded via the first distributed program contract with a debt repayment destination address limitation clause conclusion means 13-2 by agreement between the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12, as shown in Figure 49, and is protected by the real-time protected digital asset guard service provision system 100.

[0191] The processing flow and other details using the second embodiment of the debt assignment processing system 1 configured in this manner will be explained with reference to the drawings as appropriate.

[0192] (S2) Basic processing flow (Figures 50-52) (S2-1) Authentication of contracting parties (Figure 50) The debtor is authenticated by the debtor authentication means 11 based on the debtor authentication personal identification information managed by the debtor authentication personal identification information management means (not shown). Creditors are authenticated by the creditor authentication means 12 based on the creditor authentication identity information managed by the creditor authentication identity information management means (not shown).

[0193] (S2-2) Conclusion of a distributed program agreement with a clause limiting the address of the first debt repayment recipient (Figure 50) The first decentralized program contract conclusion means 13-2 with a debt repayment address restriction clause concludes a first decentralized program contract with a debt repayment address restriction clause, which, by agreement between the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12, limits the method of debt repayment to a blockchain-based repayment method, restricting the blockchain address to which the debtor repays the debt to a specific blockchain address held by the creditor at the time of contract conclusion, invalidating debt repayment by a repayment method that does not use blockchain, and stipulates that debt repayment to a blockchain address other than the restricted specific blockchain address in the blockchain-based debt repayment method will be invalid, and that debt repayment will be made by changing to the restricted specific blockchain address.

[0194] (S2-3) Preservation of contract data for the first distributed program contract with a clause limiting the address of the debt repayment recipient (Figure 51) The second contract data preservation means 14-2 preserves the contract data of the first distributed program contract with debt repayment address limitation clause, which was concluded by the first distributed program contract with debt repayment address limitation clause conclusion means 13-2, based on an agreement between the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12, in the real-time preserved digital asset guard service provision system 100. The real-time preserved digital asset guard service provision system 100 preserves the contract data of the first distributed program contract with debt repayment address limitation clause according to the following procedure.

[0195] (S2-3-1) Acquisition of agreement information (Figure 51) The agreement information acquisition means 101 transmits and exchanges predetermined information between the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12, and acquires mutual agreement information between the authenticated contracting parties regarding the execution of backup processing for the personal information of the authenticated contracting parties to be backed up and the contract data of the first distributed program contract with a debt repayment destination address limitation clause concluded by the first distributed program contract with a debt repayment destination address limitation clause conclusion means 13-2.

[0196] (S2-3-2) Encryption and Polynomial Secret Sharing / Partitioning (Figure 51) The encryption / polynomial secret sharing partitioning means 102, based on the agreement information regarding the execution of backup processing for the personal information of the authenticated contracting party to be backed up, obtained by the agreement information acquisition means 101, and the contract data of the first distributed program contract with a clause limiting the address of the first debt repayment destination, concluded by the first distributed program contract with a clause limiting the address of the first debt repayment destination, partitions the personal information of the authenticated contracting party to be backed up and the contract data of the first distributed program contract with a clause limiting the address of the first debt repayment destination, concluded by the first distributed program contract with a clause limiting the address of the first debt repayment destination, into multiple file data by encryption / polynomial secret sharing.

[0197] (S2-3) Management of sorting destination information for preservation points, modification and distribution of records, creation, encryption and recording of index information (Figure 51) The management of the destination information for security point sorting, modification and distribution recording, and the creation, encryption and recording of index information are substantially the same as the processing in the real-time security type digital asset guard service provision system 100 provided in the claim assignment processing system 1 of the first embodiment.

[0198] (S2-4) Control of debt repayment destination address (Figure 52) The first debt repayment destination address control means 15g checks the blockchain address to which the debtor will repay the debt at the time of debt repayment, based on the debt repayment destination address limitation clause of the first decentralized program contract with debt repayment destination address limitation clause concluded by the first decentralized program contract with debt repayment destination address limitation clause means 13-2. If the blockchain address to which the debtor will repay the debt at the time of debt repayment is a blockchain address other than the specified blockchain address that is limited, the means controls the debt repayment to that blockchain address to be invalidated and to change the blockchain address to which the debt repayment will be repaid to the specified blockchain address that is limited, and to perform the debt repayment process.

[0199] (S2-5) Transactions involving receivables (Figure 52) Debt transaction instrument 15h, at the direction of the creditor, conducts a transaction of the debt between the creditor and a third party who wishes to acquire the debt held by the creditor.

[0200] (S2-6) Control of the transfer of ownership rights to debt repayment recipient addresses (Figure 52) The debt repayment destination address ownership transfer control means 15i controls the transfer of ownership rights of the specific blockchain address held by the creditor at the time of transfer to the third party in connection with the creditor's transfer of the claim to the third party via the claim transaction means 15.

[0201] (S2') Other processing flow (Figures 53-56) <(S2'-1) Processing during the restoration of contract data of a distributed program contract with a first debt repayment address limitation clause concluded by the authenticated contracting party's personal information, important information, and other data of the first debt repayment address limitation clause concluded by the first debt repayment address limitation clause conclusion means 13-2> (Figures 53, 54)

[0202] (S2'-1-1) Authentication of contracting parties (Figure 53) The debtor is authenticated by the debtor authentication means 11 based on the debtor authentication personal identification information managed by the debtor authentication personal identification information management means (not shown). Creditors are authenticated by the creditor authentication means 12 based on the creditor authentication identity information managed by the creditor authentication identity information management means (not shown).

[0203] (S2'-1-2) Restoration of contract data (Figures 53, 54) The second contract data recovery means 16-2 recovers the contract data of the first distributed program contract with a debt repayment destination address restriction clause, which was concluded via the first distributed program contract with a debt repayment destination address restriction clause conclusion means 13-2 by agreement between the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12, and is protected by the real-time protected digital asset guard service provision system 100. The real-time protected digital asset guard service provision system 100 recovers the contract data of the first distributed program contract with a debt repayment destination address restriction clause according to the following procedure.

[0204] (S2'-1-2-1) Acquisition of agreement information (Figure 53) The agreement information acquisition means 101 transmits and exchanges predetermined information between the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12, and acquires mutual agreement information between the authenticated contracting parties regarding the execution of the restoration process of the personal information of the authenticated contracting parties to be backed up and the contract data of the first distributed program contract with a debt repayment destination address limitation clause concluded by the first distributed program contract with a debt repayment destination address limitation clause conclusion means 13-2.

[0205] (S2'-1-2-2) Decoding of index information (Figure 54) The index information decryption means 107 decrypts the index information of the file data recorded in the index information creation, encryption, and recording means 106 for each group of file data associated with the information of each said security point, which is managed in a black box environment by the security point sorting destination information management means 104, based on the agreement information acquisition means 101 for the personal information of the authenticated contracting party to be restored and the agreement information regarding the execution of the restoration process of the contract data of the distributed program contract with a clause limiting the address of the first debt repayment destination concluded by the distributed program contract conclusion means 13-2.

[0206] (S2'-1-2-3) Extraction of file data (Figure 54) The file data extraction means 108 extracts the modified and distributed recorded file data from multiple nodes of the distributed management file of the blockchain that is the storage destination, and from multiple nodes of a distributed management file separate from the blockchain, based on the index information decoded by

[0207] (S2'-1-2-4) Digital data recovery (Figure 54) The digital data recovery means 109 integrates and decrypts the fragmented file data extracted by the file data extraction means 108 to restore the personal information of the authenticated contracting party before backup and the contract data of the first distributed program contract with a debt repayment address limitation clause concluded by the first distributed program contract conclusion means 13-2 with a debt repayment address limitation clause.

[0208] <(S2'-2) Processing when deleting personal information of authenticated contracting parties or contract data of a distributed program contract with a clause limiting the address of the first debt repayment recipient> (Figures 55, 56) (S2'-2-1) Authentication of contracting parties (Figure 55) The debtor is authenticated by the debtor authentication means 11 based on the debtor authentication personal identification information managed by the debtor authentication personal identification information management means (not shown). Creditors are authenticated by the creditor authentication means 12 based on the creditor authentication identity information managed by the creditor authentication identity information management means (not shown).

[0209] (S2'-2-2) Deletion of contract data (Figures 55, 56) The second contract data deletion means 17-2 causes the real-time protected digital asset guard service provider system 100 to delete the contract data of the first distributed program contract with a debt repayment destination address limitation clause, which was concluded via the first distributed program contract with a debt repayment destination address limitation clause conclusion means 13-2 by agreement between the debtor authenticated by the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12, and is protected by the real-time protected digital asset guard service provider system 100. The real-time protected digital asset guard service provider system 100 deletes the contract data of the first distributed program contract with a debt repayment destination address limitation clause according to the following procedure.

[0210] (S2'-2-2-1) Acquisition of agreement information (Figure 55) The agreement information acquisition means 101 transmits and exchanges predetermined information between the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12, and acquires mutual agreement information between the authenticated contracting parties regarding the execution of the deletion process for the personal information of the authenticated contracting parties to be backed up and the contract data of the first distributed program contract with a debt repayment destination address limitation clause concluded by the first distributed program contract with a debt repayment destination address limitation clause conclusion means 13-2.

[0211] (S2'-2-2-2) Decryption of index information during deletion process (Figure 56) The deletion processing index information decryption means 110 decrypts the index information of the file data recorded in the index information creation, encryption, and recording means 106 for each group of file data associated with the information of each said security point, which is managed in a black box environment by the security point sorting destination information management means 104, based on the agreement information acquisition means 101 obtained for the personal information of the authenticated contracting party to be deleted and the agreement information regarding the execution of the deletion processing of the contract data of the distributed program contract with a clause limiting the address of the first debt repayment destination, which was concluded by the distributed program contract conclusion means 13-2.

[0212] (S2'-2-2-3) Deleting file data (Figure 56) The file data deletion means 111 deletes the file data from a predetermined generation or earlier, which has been modified and distributed and recorded, on multiple nodes of the distributed management file of the blockchain that is the storage destination corresponding to the file data, and on multiple nodes of a distributed management file that is separate from the blockchain, based on the index information decoded by the index information decoded by the deletion processing

[0213] (S2'-2-2-4) Deletion of the second file data (Figure 56) The second file data deletion means 112 deletes the information of the protection points associated with the file data to be deleted, which is managed in a black box environment by the protection point sorting destination information management means 104, based on the personal information of the authenticated contracting party obtained by the agreement information acquisition means 101 and the agreement information regarding the execution of the deletion process of the contract data of the first decentralized program contract with a debt repayment destination address restriction clause concluded by the first decentralized program contract with a debt repayment destination address restriction clause conclusion means 13-2. As a result, the file data that forms the basis of the contract data of the first decentralized program contract with a debt repayment destination address restriction clause, which is distributed and recorded on the blockchain, becomes invalid, and it becomes impossible to restore the contract data of the first decentralized program contract with a debt repayment destination address restriction clause.

[0214] Third Embodiment Figure 57 is a schematic diagram illustrating an example of the configuration of the debt assignment requirements compliance control means in the debt assignment processing system according to the third embodiment of the present invention. Figure 58 is a schematic diagram illustrating an example of the configuration of the second distributed program contract conclusion means with a debt repayment destination address limitation clause, which constitutes the debt assignment requirements compliance control means in the debt assignment processing system according to the third embodiment. Figure 59 is a schematic diagram illustrating an example of the configuration of the third contract data preservation means, which constitutes the debt assignment requirements compliance control means in the debt assignment processing system according to the third embodiment. Figure 60 is a schematic diagram illustrating an example of the configuration of the second debt repayment destination address control means, which constitutes the debt assignment requirements compliance control means in the debt assignment processing system according to the third embodiment. Figure 61 is a schematic diagram illustrating an example of the configuration of the debt transaction means, which constitutes the debt assignment requirements compliance control means in the debt assignment processing system according to the third embodiment. Figure 62 is a schematic diagram illustrating an example of the configuration of the debt equivalent digital asset transfer control means, which constitutes the debt assignment requirements compliance control means in the debt assignment processing system according to the third embodiment.

[0215] Third Embodiment's Control Means for Fulfilling Requirements for Asserting the Assignment of Claims Against a Third Party The debt assignment processing system of the third embodiment includes, for example, as shown in Figure 57, a distributed program contract conclusion means 13-3 with a clause limiting the address of the debt repayment destination, a third contract data preservation means 14-3, a debt repayment destination address control means 15j, a debt transaction means 15k, and a debt equivalent amount digital asset transfer control means 15l.

[0216] Second Debt Repayment Address Restriction Clause Distributed Program Agreement Conclusion Method 13-3 The second decentralized program contract conclusion means 13-3 with a debt repayment address restriction clause is configured to conclude a second decentralized program contract with a debt repayment address restriction clause, which, for example as shown in Figure 58, is a debtor authenticated by the debtor authentication means 11 and a creditor authenticated by the creditor authentication means 12, by agreement that the method of debt repayment is limited to a blockchain-based repayment method in which the blockchain address to which the debtor repays the debt is limited to a specific blockchain address held by the creditor at the time the contract is concluded, and that debt repayment by a repayment method that does not use blockchain is invalid, and that debt repayment to a blockchain address other than the specified blockchain address that is restricted in the blockchain-based debt repayment method is invalid, and that debt repayment will be made by changing to the specified blockchain address that is restricted.

[0217] Third contract data preservation method 14-3 The third contract data preservation means 14-3 is configured, for example as shown in Figure 59, to preserve the contract data of the second distributed program contract with a debt repayment destination address limitation clause, which is concluded by the second distributed program contract with a debt repayment destination address limitation clause

[0218] Second debt repayment destination address control means 15j The second debt repayment destination address control means 15j, for example as shown in Figure 60, checks the blockchain address to which the debtor will repay the debt at the time of debt repayment, based on the debt repayment destination address limitation clause of the second decentralized program contract with debt repayment destination address limitation clause concluded by the second decentralized program contract with debt repayment destination address limitation means 13-3. If the blockchain address to which the debtor will repay the debt at the time of debt repayment is a blockchain address other than the specified blockchain address that is limited, the debt repayment to that blockchain address is invalidated, and the debt repayment process is controlled to change the blockchain address to which the debt will repay the debt to the specified blockchain address that is limited.

[0219] Debt transaction method 15k The debt transaction instrument 15k is configured, for example as shown in Figure 61, to conduct a transaction of the debt between the creditor and a third party who wishes to acquire the debt held by the creditor, upon the creditor's instructions.

[0220] Debt-equivalent digital asset transfer control means 15l The debt-equivalent digital asset transfer control means 15l is configured to control the transfer of a predetermined digital asset equivalent to the debt sent from the debtor to the specific blockchain address held by the creditor at the time of contract conclusion, to a predetermined blockchain address held by the third party, in the event that the creditor transfers the debt to a third party via the debt transaction means, for example, as shown in Figure 62.

[0221] Furthermore, the debt assignment processing system 1 of the third embodiment is configured such that the personal information of the authenticated contracting party and the contract data of the second distributed program contract with a clause limiting the debt repayment destination, which is concluded by the second distributed program contract with a clause limiting the debt repayment destination, are rendered meaningless through a combination of the polynomial secret sharing encryption processing of the real-time protected digital asset guard service provision system 100 and a processing method based on the agreement information of the authenticated contracting party. This data is then distributed and managed as files sorted into multiple points, and the index information for the distributed files is managed in an encrypted state by the real-time protected digital asset guard service provision system 100.

[0222] Other configurations Furthermore, the debt assignment processing system 1 of the third embodiment is configured to also include a third contract data recovery means 16-3 and a third contract data deletion means 17-3.

[0223] Third contract data recovery method 16-3 The third contract data recovery means 16-3 is configured to restore the contract data of the second distributed program contract with a debt repayment destination address limitation clause, which is concluded via the second distributed program contract with a debt repayment destination address limitation clause conclusion means 13-3 by agreement between the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12, as shown in Figure 63, and is protected by the real-time protected digital asset guard service provision system 100.

[0224] Third contract data deletion method 17-3 The third contract data deletion means 17-3 is configured to cause the real-time protected digital asset guard service provision system 100 to delete the contract data of the second distributed program contract with a debt repayment destination address limitation clause, which is concluded via the second distributed program contract with a debt repayment destination address limitation clause conclusion means 13-3 by agreement between the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12, as shown in Figure 64, and is protected by the real-time protected digital asset guard service provision system 100.

[0225] The processing flow and other details using the third embodiment of the debt assignment processing system 1, configured in this manner, will be explained with reference to the drawings as appropriate.

[0226] (S3) Basic processing flow (Figures 65-67) (S3-1) Authentication of contracting parties (Figure 65) The debtor is authenticated by the debtor authentication means 11 based on the debtor authentication personal identification information managed by the debtor authentication personal identification information management means (not shown). Creditors are authenticated by the creditor authentication means 12 based on the creditor authentication identity information managed by the creditor authentication identity information management means (not shown).

[0227] (S3-2) Conclusion of a second decentralized program agreement with a clause limiting the address of the debt repayment recipient (Figure 65) The second decentralized program contract conclusion means 13-3 with a debt repayment address restriction clause concludes a second decentralized program contract with a debt repayment address restriction clause, which, by agreement between the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12, limits the method of debt repayment to a blockchain-based repayment method, restricting the blockchain address to which the debtor repays the debt to a specific blockchain address held by the creditor at the time of contract conclusion, and invalidating debt repayment by a repayment method that does not use blockchain, and also invalidates debt repayment to a blockchain address other than the specified blockchain address restricted in the blockchain-based debt repayment method, and ensures that debt repayment is made by changing to the specified blockchain address restricted.

[0228] (S3-3) Preservation of contract data for a distributed program contract with a clause limiting the address of the second debt repayment recipient (Figure 66) The third contract data preservation means 14-3 preserves the contract data of the second distributed program contract with debt repayment address limitation clause, which was concluded by the second distributed program contract with debt repayment address limitation clause conclusion means 13-3, based on an agreement between the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12, in the real-time preserved digital asset guard service provision system 100. The real-time preserved digital asset guard service provision system 100 preserves the contract data of the second distributed program contract with debt repayment address limitation clause according to the following procedure.

[0229] (S3-3-1) Acquisition of agreement information (Figure 66) The agreement information acquisition means 101 transmits and exchanges predetermined information between the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12, and acquires mutual agreement information between the authenticated contracting parties regarding the execution of backup processing for the personal information of the authenticated contracting parties to be backed up and the contract data of the second distributed program contract with a clause limiting the address of the second debt repayment destination concluded by means 13-3.

[0230] (S3-3-2) Encryption and Polynomial Secret Sharing / Partitioning (Figure 66) The encryption / polynomial secret sharing partitioning means 102, based on the agreement information regarding the execution of backup processing for the personal information of the authenticated contracting party to be backed up, obtained by the agreement information acquisition means 101, and the contract data of the distributed program contract with a clause limiting the address of the second debt repayment destination, concluded by the distributed program contract conclusion means 13-3, partitions the personal information of the authenticated contracting party to be backed up and the contract data of the distributed program contract with a clause limiting the address of the second debt repayment destination, into multiple file data by encryption / polynomial secret sharing.

[0231] (S3-3) Management of sorting destination information for preservation points, modification and distributed recording, creation, encryption and recording of index information (Figure 66) The management of the destination information for security point sorting, modification and distribution recording, and the creation, encryption and recording of index information are substantially the same as the processing in the real-time security type digital asset guard service provision system 100 provided in the claim assignment processing system 1 of the first embodiment.

[0232] (S3-4) Control of debt repayment destination address (Figure 67) The second debt repayment destination address control means 15j checks the blockchain address to which the debtor will repay the debt at the time of debt repayment, based on the debt repayment destination address limitation clause of the second decentralized program contract with debt repayment destination address limitation clause concluded by the second decentralized program contract with debt repayment destination address limitation clause means 13-3. If the blockchain address to which the debtor will repay the debt at the time of debt repayment is a blockchain address other than the specified blockchain address that is limited, the means controls the debt repayment to that blockchain address to be invalidated and to change the blockchain address to which the debt repayment will be repaid to the specified blockchain address that is limited, and to perform the debt repayment process.

[0233] (S3-5) Transactions involving receivables (Figure 67) The debt transaction instrument 15k, at the direction of the creditor, conducts a transaction of the debt between the creditor and a third party who wishes to acquire the debt held by the creditor.

[0234] (S3-6) Transfer control of digital assets equivalent to debt (Figure 67) The debt-equivalent digital asset transfer control means 15l controls the transfer of a predetermined digital asset equivalent to the debt sent from the debtor to the specific blockchain address held by the creditor at the time of contract conclusion, to a predetermined blockchain address held by the third party, when the creditor transfers the debt to a third party via the debt transaction means.

[0235] (S3') Other processing flow (Figures 68-71) <(S3'-1) Processing during the restoration of contract data for a distributed program contract with a second debt repayment address limitation clause concluded by the authenticated contracting party's personal information, important information, and other second debt repayment address limitation clause means 13-3> (Figures 68, 69)

[0236] (S3'-1-1) Authentication of contracting parties (Figure 68) The debtor is authenticated by the debtor authentication means 11 based on the debtor authentication personal identification information managed by the debtor authentication personal identification information management means (not shown). Creditors are authenticated by the creditor authentication means 12 based on the creditor authentication identity information managed by the creditor authentication identity information management means (not shown).

[0237] (S3'-1-2) Restoration of contract data (Figures 68, 69) The third contract data recovery means 16-3 recovers the contract data of the second distributed program contract with a debt repayment destination address limitation clause, which was concluded via the second distributed program contract with a debt repayment destination address limitation clause conclusion means 13-3 by agreement between the debtor authenticated by the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12, and which is protected by the real-time protected digital asset guard service provision system 100. The real-time protected digital asset guard service provision system 100 recovers the contract data of the second distributed program contract with a debt repayment destination address limitation clause according to the following procedure.

[0238] (S3'-1-2-1) Acquisition of agreement information (Figure 68) The agreement information acquisition means 101 transmits and exchanges predetermined information between the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12, and acquires mutual agreement information between the authenticated contracting parties regarding the execution of the restoration process of the personal information of the authenticated contracting parties to be backed up and the contract data of the second distributed program contract with a clause limiting the address of the second debt repayment destination concluded by

[0239] (S3'-1-2-2) Decoding of index information (Figure 69) The index information decryption means 107 decrypts the index information of the file data recorded in the index information creation, encryption, and recording means 106 for each group of file data associated with the information of each said security point, which is managed in a black box environment by the security point sorting destination information management means 104, based on the agreement information acquisition means 101 for the personal information of the authenticated contracting party to be restored and the agreement information regarding the execution of the restoration process of the contract data of the distributed program contract with a clause limiting the address of the second debt repayment destination concluded by the distributed program contract conclusion means 13-3 with a clause limiting the address of the second debt repayment destination.

[0240] (S3'-1-2-3) Extraction of file data (Figure 69) The file data extraction means 108 extracts the modified and distributed recorded file data from multiple nodes of the distributed management file of the blockchain that is the storage destination, and from multiple nodes of a distributed management file separate from the blockchain, based on the index information decoded by

[0241] (S3'-1-2-4) Digital data recovery (Figure 69) The digital data recovery means 109 integrates and decrypts the fragmented file data extracted by the file data extraction means 108 to restore the personal information of the authenticated contracting party before backup and the contract data of the distributed program contract with a clause limiting the address of the second debt repayment destination concluded by the distributed program contract conclusion means 13-3 with a clause limiting the address of the second debt repayment destination.

[0242] <(S3'-2) Processing when deleting personal information of authenticated contracting parties or contract data of a distributed program contract with a clause limiting the address of the second debt repayment recipient> (Figures 70, 71) (S3'-2-1) Authentication of contracting parties (Figure 70) The debtor is authenticated by the debtor authentication means 11 based on the debtor authentication personal identification information managed by the debtor authentication personal identification information management means (not shown). Creditors are authenticated by the creditor authentication means 12 based on the creditor authentication identity information managed by the creditor authentication identity information management means (not shown).

[0243] (S3'-2-2) Deletion of contract data (Figures 70, 71) The third contract data deletion means 17-3 causes the real-time protected digital asset guard service provider system 100 to delete the contract data of the second distributed program contract with a debt repayment destination address limitation clause, which is concluded via the second distributed program contract with a debt repayment destination address limitation clause conclusion means 13-3 by agreement between the debtor authenticated by the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12, and is protected by the real-time protected digital asset guard service provider system 100. The real-time protected digital asset guard service provider system 100 deletes the contract data of the second distributed program contract with a debt repayment destination address limitation clause according to the following procedure.

[0244] (S3'-2-2-1) Acquisition of agreement information (Figure 70) The agreement information acquisition means 101 transmits and exchanges predetermined information between the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12, and acquires mutual agreement information between the authenticated contracting parties regarding the execution of the deletion process for the personal information of the authenticated contracting parties to be backed up and the contract data of the second distributed program contract with a clause limiting the address of the second debt repayment destination concluded by means 13-3.

[0245] (S3'-2-2-2) Decryption of index information during deletion process (Figure 71) The deletion processing index information decryption means 110 decrypts the index information of the file data recorded in the index information creation, encryption, and recording means 106 for each group of file data associated with the information of each said security point, which is managed in a black box environment by the security point sorting destination information management means 104, based on the agreement information regarding the execution of the deletion processing of the personal information of the authenticated contracting party to be deleted, which is obtained by the agreement information acquisition means 101, and the agreement information regarding the execution of the deletion processing of the contract data of the distributed program contract with a clause limiting the address of the second debt repayment destination, which is concluded by the distributed program contract conclusion means 13-3.

[0246] (S3'-2-2-3) Deleting file data (Figure 71) The file data deletion means 111 deletes the file data from a predetermined generation or earlier, which has been modified and distributed and recorded, on multiple nodes of the distributed management file of the blockchain that is the storage destination corresponding to the file data, and on multiple nodes of a distributed management file that is separate from the blockchain, based on the index information decoded by the index information decoded by the deletion processing

[0247] (S3'-2-2-4) Deletion of the second file data (Figure 71) The second file data deletion means 112 deletes the information of the protection points associated with the file data to be deleted, which is managed in a black box environment by the protection point sorting destination information management means 104, based on the personal information of the authenticated contracting party obtained by the agreement information acquisition means 101 and the agreement information regarding the execution of the deletion process of the contract data of the second decentralized program contract with a debt repayment destination address restriction clause concluded by the second decentralized program contract with a debt repayment destination address restriction clause conclusion means 13-3. As a result, the file data that forms the basis of the contract data of the second decentralized program contract with a debt repayment destination address restriction clause, which is distributed and recorded on the blockchain, becomes invalid, and it becomes impossible to restore the contract data of the second decentralized program contract with a debt repayment destination address restriction clause.

[0248] Fourth Embodiment Figure 72 is a schematic diagram illustrating an example of the configuration of the claim assignment requirements compliance control means in the claim assignment processing system according to the fourth embodiment of the present invention. Figure 73 is a schematic diagram illustrating an example of the configuration of the claim transaction means constituting the claim assignment requirements compliance control means in the claim assignment processing system according to the fourth embodiment. Figure 74 is a schematic diagram illustrating an example of the configuration of the claim transfer information preservation means constituting the claim assignment requirements compliance control means in the claim assignment processing system according to the fourth embodiment. Figure 75 is a schematic diagram illustrating an example of the configuration of the claim transfer information restoration means in the claim assignment processing system according to the fourth embodiment. Figure 76 is a schematic diagram illustrating an example of the configuration of the claim transfer information deletion means in the claim assignment processing system according to the third embodiment.

[0249] Fourth Embodiment: Control means 15 for fulfilling requirements for asserting the assignment of claims against a third party In the fourth embodiment of the claim assignment processing system 1, the claim assignment requirements compliance control means 15 is configured to include, for example, a claim transaction means 15m and a claim transfer information preservation means 14-4, as shown in Figure 72.

[0250] Debt transaction method 15m The debt transaction instrument 15m is configured, for example as shown in Figure 73, to conduct a transaction of the debt between the creditor and a third party who wishes to acquire the debt held by the creditor, upon the creditor's instructions.

[0251] Debt transfer information preservation measure 14-4 The claim transfer information preservation means 14-4 is configured, for example as shown in Figure 74, to preserve the claim transfer information in the real-time protected digital asset guard service provider system by agreement between the creditor, who is the assignor of the claim as the debtor in the claim transfer agreement authenticated by the debtor authentication means 11, and the third party, who is the assignee of the claim as the creditor in the claim transfer agreement authenticated by the creditor authentication means 12.

[0252] Furthermore, in the fourth embodiment of the debt assignment processing system 1, the agreement information acquisition means 101, the encryption / polynomial secret sharing / decomposition means 102, the index information decryption means 107, the digital data recovery means 109, the deletion processing index information decryption means 110, and the second file data deletion means 112 in the real-time protected digital asset guard service provision system 100 are each configured to function in the second manner.

[0253] Furthermore, the claim assignment processing system 1 of the fourth embodiment is configured such that the personal information of the creditor as the assignor of the claim and the third party as the assignee of the claim, who are the authenticated contracting parties, as well as the information on the transfer of the claim, are rendered meaningless through a combination of the polynomial secret sharing encryption processing of the real-time protected digital asset guard service provision system 100 and a processing method based on the agreement information of the authenticated contracting parties, the creditor as the assignor of the claim and the third party as the assignee of the claim, and the information on the transfer of the claim, and are distributed and managed as files sorted into multiple points, and the index information for the distributed files is managed in an encrypted state by the real-time protected digital asset guard service provision system 100.

[0254] Other configurations Furthermore, the claim assignment processing system 1 of the fourth embodiment is configured to also include a claim transfer information restoration means 16-4 and a claim transfer information deletion means 17-4.

[0255] Debt transfer information restoration method 16-4 The claim transfer information restoration means 16-4 is configured, for example as shown in Figure 75, to restore the claim transfer information protected by the real-time protected digital asset guard service provision system 100 to the real-time protected digital asset guard service provision system 100, based on an agreement between the creditor, who is the assignor of the claim as the debtor in the claim transfer agreement authenticated by the debtor authentication means 11, and the third party, who is the assignee of the claim as the creditor in the claim transfer agreement authenticated by the creditor authentication means 12.

[0256] Deletion of Debt Transfer Information 17-4 Information on the transfer of receivablesThe deletion means 17-4 is configured, for example as shown in Figure 76, to cause the real-time protected digital asset guard service provision system 100 to delete the transfer information of the claim protected by the real-time protected digital asset guard service provision system 100, based on an agreement between the creditor, who is the assignor of the claim as the debtor in the assignment agreement of the claim authenticated by the debtor authentication means 11, and the third party, who is the assignee of the claim as the creditor in the assignment agreement of the claim authenticated by the creditor authentication means 12.

[0257] The processing flow and other details using the receivable assignment processing system 1 of the fourth embodiment, configured in this manner, will be explained with reference to the drawings as appropriate.

[0258] (S4) Basic processing flow (Figures 77 and 78) (S4-1) Transactions involving receivables (Figure 77) The debt transaction instrument 15m, at the direction of the creditor, conducts a transaction of the debt between the creditor and a third party who wishes to acquire the debt held by the creditor.

[0259] (S4-2) Authentication of parties to debt transactions (Figure 77) The debtor (in this case, the creditor who is the assignor of the claim) is authenticated by the debtor authentication means 11 based on the debtor authentication identity information managed by the debtor authentication identity information management means (not shown). The creditor (in this case, a third party who is the assignee of the claim) is authenticated by the creditor authentication means 12 based on the creditor authentication identity information managed by the creditor authentication identity information management means (not shown).

[0260] (S4-3) Preservation of information on the transfer of receivables (Figure 77) The debt transfer information preservation means 14-4 preserves the debt transfer information in the real-time digital asset guard service provider system by agreement between the debtor in the debt transfer agreement (in this case, the creditor who is the assignor of the debt) authenticated by the debtor authentication means 11 and the creditor in the debt transfer agreement (in this case, the third party who is the assignee of the debt) authenticated by the creditor authentication means 12. The real-time digital asset guard service provider system 100 preserves the debt transfer information in accordance with the following procedure.

[0261] (S4-3-1) Acquisition of agreement information (Figure 77) The agreement information acquisition means 101 transmits and exchanges predetermined information between the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12, and acquires mutual agreement information between the authenticated contract parties, namely the creditor as the assignor of the claim and the third party as the assignee of the claim, regarding the execution of the backup process for the transfer of the claim.

[0262] (S4-3-2) Encryption / polynomial secret sharing division (Figure 78) The encryption / polynomial secret sharing partitioning means 102, based on the agreement information regarding the execution of the backup process for the personal information of the creditor as the assignor of the claim and the third party as the assignee of the claim, who are the authenticated contracting parties to the claim that are to be backed up, and the transfer information of the claim, obtained by the agreement information acquisition means 101, partitions the personal information of the creditor as the assignor of the claim and the third party as the assignee of the claim, who are the authenticated contracting parties to the claim that are to be backed up, and the transfer information of the claim, into multiple file data using encryption / polynomial secret sharing. The management of the destination information for security point sorting, modification and distribution recording, and the creation, encryption and recording of index information are substantially the same as the processing in the real-time security type digital asset guard service provision system 100 provided in the claim assignment processing system 1 of the first embodiment.

[0263] (S4') Other processing flow (Figures 79-82) <(S4'-1) Processing of personal information of the creditor as the assignor of the claim and the third party as the assignee of the claim, as well as information on the transfer of the claim, when the creditor is an authenticated contracting party> (Figures 79 and 80)

[0264] (S4'-1-1) Authentication of contracting parties (Figure 79) The debtor (in this case, the creditor who is the assignor of the claim) is authenticated by the debtor authentication means 11 based on the debtor authentication identity information managed by the debtor authentication identity information management means (not shown). The creditor (in this case, a third party who is the assignee of the claim) is authenticated by the creditor authentication means 12 based on the creditor authentication identity information managed by the creditor authentication identity information management means (not shown).

[0265] (S4'-1-2) Restoration of transfer information of the claim (Figures 79 and 80) The claim transfer information restoration means 16-4 restores the claim transfer information, which is protected by the real-time protected digital asset guard service provision system 100, to the real-time protected digital asset guard service provision system 100, based on an agreement between the creditor, who is the assignor of the claim as the debtor in the claim assignment agreement authenticated by the debtor authentication means 11, and the third party, who is the assignee of the claim as the creditor in the claim assignment agreement authenticated by the creditor authentication means 12. The real-time protected digital asset guard service provision system 100 restores the claim transfer information according to the following procedure.

[0266] (S4'-1-2-1) Acquisition of agreement information (Figure 79) The agreement information acquisition means 101 transmits and exchanges predetermined information between the debtor authenticated by the debtor authentication means 11 (in this case, the creditor who is the assignor of the claim) and the creditor authenticated by the creditor authentication means 12 (in this case, the third party who is the assignee of the claim), and acquires mutual agreement information between the authenticated contracting parties, the creditor who is the assignor of the claim and the third party who is the assignee of the claim, regarding the execution of the restoration process of personal information of the authenticated contracting parties, the creditor who is the assignor of the claim and the third party who is the assignee of the claim, which are subject to backup, and the transfer information of the claim.

[0267] (S4'-1-2-2) Decoding of index information (Figure 80) The index information decryption means 107 decrypts the index information of the file data recorded in the index information creation, encryption, and recording means 106 for each group of file data associated with the information of each security point managed in a black box environment by the security point sorting destination information management means 104, based on the personal information of the creditor as the assignor of the claim and the third party as the assignee of the claim, which are the authenticated contract parties to be restored and which are to be restored, as well as the agreement information regarding the execution of the restoration process of the transfer information of the claim, obtained by the agreement information acquisition means 101.

[0268] (S4'-1-2-3) Extraction of file data (Figure 80) The file data extraction means 108 extracts the modified and distributed recorded file data from multiple nodes of the distributed management file of the blockchain that is the storage destination, and from multiple nodes of a distributed management file separate from the blockchain, based on the index information decoded by

[0269] (S4'-1-2-4) Digital data recovery (Figure 80) The digital data recovery means 109 integrates and decrypts the fragmented file data extracted by the file data extraction means 108 to restore the personal information of the creditor as the assignor of the claim and the third party as the assignee of the claim, who are the authenticated contracting parties, as well as the transfer information of the claim, before the data was backed up.

[0270] <(S4'-2) Processing when deleting personal information of the creditor as the assignor of the claim and the third party as the assignee of the claim, as well as information on the transfer of the claim, which are authenticated contracting parties> (Figures 81 and 82) (S4'-2-1) Authentication of contracting parties (Figure 81) The debtor (in this case, the creditor who is the assignor of the claim) is authenticated by the debtor authentication means 11 based on the debtor authentication identity information managed by the debtor authentication identity information management means (not shown). The creditor (in this case, a third party who is the assignee of the claim) is authenticated by the creditor authentication means 12 based on the creditor authentication identity information managed by the creditor authentication identity information management means (not shown).

[0271] (S4'-2-2) Deletion of information on the transfer of claims (Figures 81 and 82) The debt transfer information deletion means 17-4 causes the real-time protected digital asset guard service provider system 100 to delete the debt transfer information protected by the real-time protected digital asset guard service provider system 100, based on an agreement between the creditor, who is the assignor of the debt as the debtor in the debt assignment agreement authenticated by the debtor authentication means 11, and the third party, who is the assignee of the debt as the creditor in the debt assignment agreement authenticated by the creditor authentication means 12. The real-time protected digital asset guard service provider system 100 deletes the debt transfer information according to the following procedure.

[0272] (S4'-2-2-1) Acquisition of agreement information (Figure 81) The agreement information acquisition means 101 transmits and exchanges predetermined information between the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12, and acquires mutual agreement information between the authenticated contracting parties regarding the execution of the deletion process for the personal information of the creditor as the assignor of the claim and the third party as the assignee of the claim, which are the authenticated contracting parties to be deleted, as well as the transfer information of the claim.

[0273] (S4'-2-2-2) Decryption of index information during deletion process (Figure 82) The deletion process index information decryption means 110, based on the agreement information regarding the execution of the deletion process of personal information of the creditor as the assignor of the claim and the third party as the assignee of the claim, who are the authenticated contract parties to be deleted, as well as the transfer information of the claim, obtained by the agreement information acquisition means 101, decrypts the index information of the file data recorded in the index information creation, encryption, and recording means 106 for each group of file data associated with the information of each said security point, which is managed in a black box environment by the security point sorting destination information management means 104.

[0274] (S4'-2-2-3) Deleting file data (Figure 82) The file data deletion means 111 deletes the file data from a predetermined generation or earlier, which has been modified and distributed and recorded, on multiple nodes of the distributed management file of the blockchain that is the storage destination corresponding to the file data, and on multiple nodes of a distributed management file that is separate from the blockchain, based on the index information decoded by the index information decoded by the deletion processing

[0275] (S4'-2-2-4) Deletion of the second file data (Figure 82) The second file data deletion means 112 deletes the information of the protection points associated with the file data to be deleted, which is managed in a black box environment by the protection point sorting destination information management means 104, based on the personal information of the creditor as the assignor of the claim and the third party as the assignee of the claim, which are the authenticated contracting parties, obtained by the agreement information acquisition means 101, as well as the agreement information regarding the execution of the deletion process of the transfer information of the claim. As a result, the file data that is the basis of the transfer information of the claim, which is distributed and recorded on the blockchain, becomes invalid, making it impossible to restore the transfer information of the claim.

[0276] Effects of the Debt Assignment Processing System of Each Embodiment of the Present Invention According to the debt assignment processing system 1 of each embodiment of the present invention, "a debtor authentication means 11 for authenticating the debtor, who is one party to the contract; a creditor authentication means 12 for authenticating the creditor, who is the other party to the contract; a predetermined distributed program contract conclusion means 13 for concluding a predetermined distributed program contract by agreement between the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12; and a combination of polynomial secret sharing encryption processing and a processing method based on the agreement information of the authenticated contract parties, which performs meaningless processing on predetermined information and manages it in a distributed manner as files sorted into multiple points, and for the files to be managed in a distributed manner The system is configured to include a real-time digital asset guard service provision system 100 equipped with a function to encrypt and manage index information, and a contract-related information preservation means 14 that preserves predetermined related information in a predetermined decentralized program contract concluded via a predetermined decentralized program contract conclusion means 13 by agreement between a debtor authenticated by a debtor authentication means 11 and a creditor authenticated by a creditor authentication means 12 in the real-time digital asset guard service provision system 100. As a result, decentralized program contract-related information linked to personal information can be rendered meaningless and managed in a decentralized manner on the blockchain, thereby strengthening resistance to evolving external cyberattacks. Furthermore, by processing relevant information on-chain using the real-time digital asset guard service provision system 100, complete synchronization processing for information updates can be achieved, ensuring the reliable determination of rights in the transfer of legal rights, and thus ensuring the processing of requirements for asserting rights against third parties in the transfer of rights.

[0277] Furthermore, according to the claim assignment processing system 1 of each embodiment of the present invention, it is configured to have "a claim assignment third-party assertion requirement fulfillment control means 15 that controls the fulfillment of the requirements for asserting the claim assignment against a third party without requiring either notification of the claim assignment to the debtor or consent from the debtor to the creditor or the third party after the creditor has assigned the claim to a third party," so that the claim can be assigned without imposing any burden on the contracting parties to fulfill the requirements for asserting the claim against a third party, such as notifying the debtor of the claim assignment.

[0278] Furthermore, according to the claim assignment processing system 1 of the first embodiment, the claim assignment requirements compliance control means 15 is configured to include "a distributed program contract conclusion means 13-1 with a claim assignment consent clause that concludes a distributed program contract with a claim assignment consent clause that stipulates the debtor's consent to the creditor's assignment of the claim to a third party by agreement between the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12." Therefore, by concluding a predetermined distributed program contract with a claim assignment consent clause that stipulates the debtor's consent to the creditor's assignment of the claim to a third party by the creditor, it is possible to eliminate the need for the debtor to notify the creditor of their consent to the assignment of the claim.

[0279] Furthermore, according to the claim assignment processing system 1 of the first embodiment, the claim assignment assignment requirements compliance control means 15 is configured to include "a claim assignment acceptance clause authentication ID creation means 15a that creates a claim assignment acceptance clause authentication ID that authenticates the claim assignment acceptance clause stipulated in the distributed program contract with a claim assignment acceptance clause concluded by the distributed program contract conclusion means 13-1 with a claim assignment acceptance clause, based on an agreement between the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12, and a claim assignment acceptance clause authentication ID recording and storage means 15b that records and stores the claim assignment acceptance clause authentication ID created by the claim assignment acceptance clause authentication ID creation means 15a." Therefore, by creating, recording, and storing a claim assignment acceptance clause authentication ID that authenticates the claim assignment acceptance clause based on an agreement between the authenticated contracting parties, the legitimacy of the claim assignment acceptance clause can be proven by the ID.

[0280] Furthermore, according to the claim assignment processing system 1 of the first embodiment, the claim assignment assignment requirements compliance control means 15 is defined as "claim assignment assignment acceptance clause authentication ID granting means 15c which grants the claim assignment acceptance clause authentication ID created by the claim assignment acceptance clause authentication ID creation means 15a to the contract of the distributed program contract with a claim assignment acceptance clause concluded via the distributed program contract with a claim assignment acceptance clause conclusion means 13-1, and by agreement between the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12, the claim assignment acceptance clause authentication ID is granted via the claim assignment acceptance clause authentication ID granting means 15c The system is configured to include a "first contract data preservation means 14-1" which preserves the contract data of a distributed program contract with an assigned claim assignment consent clause in a real-time digital asset guard service provision system 100. By preserving the contract data of a contract with an assigned claim assignment consent clause to which a claim assignment consent clause authentication ID has been assigned in the real-time digital asset guard service provision system, the contract data of a contract with an assigned claim assignment consent clause with a claim assignment consent clause authentication ID can be rendered meaningless and managed in a distributed manner on the blockchain, thereby strengthening resistance to evolving external cyberattacks.

[0281] Furthermore, according to the claim assignment processing system 1 of the first embodiment, the claim assignment assignment requirements compliance control means 15 is configured to include "claim assignment acceptance clause authentication ID-attached claim token issuance means 15d which, when concluding a decentralized program contract with a claim assignment acceptance clause via the claim assignment acceptance clause conclusion means 13-1, issues a claim token with a claim assignment acceptance clause authentication ID created by the claim assignment acceptance clause authentication ID creation means, based on a predetermined supporting digital asset sent by the creditor to the debtor's address." Therefore, by issuing a claim token with a claim assignment acceptance clause authentication ID, the creditor who receives the claim token can recognize the claim assignment acceptance clause authentication ID.

[0282] Furthermore, according to the claim assignment processing system 1 of the first embodiment, the claim assignment assignment requirements compliance control means 15 is configured to include "a claim assignment assignment acceptance clause authentication ID claim token sending means 16f that sends the claim assignment assignment acceptance clause authentication ID claim token issued by the claim assignment assignment acceptance clause authentication ID claim token issuance means 15d to the creditor's address, and a claim assignment assignment acceptance clause authentication ID claim token trading means 15f that, upon instruction from the creditor, conducts the sale of the claim assignment assignment acceptance clause authentication ID claim token between the creditor and a third party who wishes to acquire the claim assignment assignment acceptance clause authentication ID claim token held by the creditor." Therefore, when a claim assignment assignment acceptance clause authentication ID claim token is assigned to a third party, the third party who has acquired the claim assignment assignment acceptance clause authentication ID claim token from the creditor can confirm through data search that the claim assignment acceptance clause authentication ID in the claim assignment assignment acceptance clause authentication ID claim token is stored in the claim assignment acceptance clause authentication ID recording and storage means, thereby confirming that notification to the debtor and the debtor's consent are not required. Furthermore, the legitimacy of the assignment agreement clause in a claim token with an authentication ID for the assignment agreement clause can be proven by restoring the contract data of the decentralized program contract with an assignment agreement clause and an authentication ID for the assignment agreement clause, which is protected by a real-time protected digital asset guard service provision system, and verifying the restored content.

[0283] Furthermore, according to the claim assignment processing system 1 of the second embodiment, the claim assignment requirements compliance control means 15 is configured to include "a first decentralized program contract conclusion means 13-2 that concludes a first decentralized program contract with a debt repayment destination address limitation clause, which stipulates that, by agreement between the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12, the method of debt repayment is limited to a blockchain-based repayment method, which limits the blockchain address to which the debtor repays the debt to a specific blockchain address held by the creditor at the time of contract conclusion, invalidating debt repayment by a repayment method that does not use blockchain, and that in a blockchain-based debt repayment method, debt repayment to a blockchain address other than the specified blockchain address to which it is limited is invalid, and that debt repayment is made by changing the specified blockchain address to which it is limited." This configuration prevents errors in the debtor's debt repayment destination when a claim is assigned.

[0284] Furthermore, according to the claim assignment processing system 1 of the second embodiment, the claim assignment requirements compliance control means 15 is configured to include "a second contract data preservation means 14-2 that preserves the contract data of the first distributed program contract with a debt repayment destination address limitation clause, which is concluded by the first distributed program contract with a debt repayment destination address limitation clause concluded by the first distributed program contract with a debt repayment destination address limitation clause conclusion means 13-2, by agreement between the debtor authenticated by the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12, in the real-time protected digital asset guard service provision system 100." Therefore, the legitimacy of the debt repayment destination address limitation clause can be proven by restoring the contract data of the distributed program contract with a debt repayment destination address limitation clause preserved by the real-time protected digital asset guard service provision system and verifying the restored content.

[0285] Furthermore, according to the claim assignment processing system 1 of the second embodiment, the claim assignment requirements for enforceability against third parties control means 15 is configured to include "a first debt repayment destination address control means 15g which checks the blockchain address to which the debtor repays the debt at the time of debt repayment based on the debt repayment destination address limitation clause of the first decentralized program contract with a debt repayment destination address limitation clause concluded by the first decentralized program contract with a debt repayment destination address limitation clause concluded by means 13-2, and if the blockchain address to which the debtor repays the debt at the time of debt repayment is a blockchain address other than the specified blockchain address that is limited, invalidates the debt repayment to that blockchain address and controls the debt repayment process to be carried out by changing the blockchain address to which the debt repayment destination is the specified blockchain address that is limited," thereby preventing errors in the debtor's debt repayment destination when a claim is assigned.

[0286] Furthermore, according to the claim assignment processing system 1 of the second embodiment, the claim assignment requirements compliance control means 15 is configured to include "a claim transaction means 15h that, upon instruction from the creditor, conducts a transaction of the claim between the creditor and a third party who wishes to acquire the claim held by the creditor, and a debt repayment destination address ownership transfer control means 15i that controls the transfer of ownership rights of the specific blockchain address held by the creditor to the third party at the time of assignment in connection with the creditor's assignment of the claim to the third party via the claim transaction means 15h." As a result, when a claim is assigned, the third party who is the assignee can receive the debt repaid by the debtor to a fixed debt repayment destination address.

[0287] Furthermore, according to the claim assignment processing system 1 of the third embodiment, the claim assignment requirements compliance control means 15 is configured to include "a second decentralized program contract conclusion means 13-3 that concludes a second decentralized program contract with a debt repayment destination address limitation clause, which stipulates that, by agreement between the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12, the method of debt repayment is limited to a blockchain-based repayment method, which limits the blockchain address to which the debtor repays the debt to a specific blockchain address held by the creditor at the time of contract conclusion, invalidating debt repayment by a repayment method that does not use blockchain, and that in a blockchain-based debt repayment method, debt repayment to a blockchain address other than the specified blockchain address to which it is limited is invalid, and that debt repayment is made by changing the specified blockchain address to which it is limited," thereby preventing errors in the debtor's debt repayment destination when a claim is assigned.

[0288] Furthermore, according to the claim assignment processing system 1 of the third embodiment, the claim assignment requirements compliance control means 15 is configured to include "a third contract data preservation means 14-3 that preserves the contract data of the second distributed program contract with a debt repayment destination address limitation clause, which is concluded by the second distributed program contract with a debt repayment destination address limitation clause concluded by the second distributed program contract with a debt repayment destination address limitation clause conclusion means 13-3, by agreement between the debtor authenticated by the debtor authenticated by the debtor authentication means 11 and the creditor authenticated by the creditor authentication means 12, in the real-time protected digital asset guard service provision system 100." Therefore, the legitimacy of the debt repayment destination address limitation clause can be proven by restoring the contract data of the distributed program contract with a debt repayment destination address limitation clause preserved by the real-time protected digital asset guard service provision system and verifying the restored content.

[0289] Furthermore, according to the claim assignment processing system 1 of the third embodiment, the claim assignment requirements compliance control means 15 is configured to include "a second debt repayment address control means 15j which checks the blockchain address to which the debtor repays the debt at the time of debt repayment based on the debt repayment address limitation clause of the second decentralized program contract with a debt repayment address limitation clause concluded by

[0290] Furthermore, according to the claim assignment processing system 1 of the third embodiment, the claim assignment requirements compliance control means 15 is configured to include "a claim transaction means 15k that, upon instruction from the creditor, conducts a transaction of the claim between the creditor and a third party who wishes to acquire the claim held by the creditor, and a debt equivalent amount digital asset transfer control means 15l that, when the claim is assigned by the creditor to a third party via the claim transaction means 15k, controls the transfer of a predetermined digital asset equivalent to the amount of the debt sent from the debtor to the specific blockchain address held by the creditor at the time of contract conclusion to a predetermined blockchain address held by the third party." As a result, the third party, who is the assignee when the claim is assigned, can receive the debt repaid by the debtor to a fixed debt repayment address without transferring the creditor's ownership rights to the specific blockchain address to the third party.

[0291] Furthermore, according to the claim assignment processing system 1 of the fourth embodiment, the claim assignment third-party assertion requirements control means 15 is configured to include "a claim transaction means 15m that, upon instruction from the creditor, conducts a transaction of the claim between the creditor and a third party who wishes to acquire the claim held by the creditor, and a claim transfer information preservation means 14-4 that preserves the claim transfer information in the real-time protected digital asset guard service provision system 100 by agreement between the creditor, who is the assignor of the claim as the debtor in the claim assignment agreement authenticated by the debtor authentication means 11, and the third party, who is the assignee of the claim as the creditor in the claim assignment agreement authenticated by the creditor authentication means 12," and the legitimacy of the claim transfer information can be proven by restoring the claim transfer information preserved by the real-time protected digital asset guard service provision system and verifying the restored content, and the requirements for asserting the claim against a third party can be fulfilled without involving the debtor, similar to the claim assignment registration system.

[0292] Furthermore, according to the first to third embodiments of the claim assignment processing system 1, the real-time protected digital asset guard service provision system 100 is constructed with a group of nodes that combine blockchain and file distributed management functions, etc., and has multiple planets that form a single unit constituting a system for providing services that implement distributed smart contracts, server applications, etc., mainly consisting of a closed blockchain such as a private or consortium type, and consisting of at least one distributed ledger structure composed of multiple chains that may include a group of distributed ledgers and a public blockchain, and transmits and exchanges predetermined information between a debtor authenticated by the debtor authentication means 11 and a creditor authenticated by the creditor authentication means 11, and obtains agreement information obtained between the authenticated contract parties regarding the execution of predetermined processes, including the backup, restoration, and deletion of personal information of the authenticated contract parties and contract data in a distributed program contract that are subject to backup. The system comprises: means 101; an encryption / polynomial secret sharing partitioning means 102 having a processing smart contract that has the function of partitioning the personal information of the authenticated contracting party to be backed up and the contract data in the distributed program contract into multiple file data by encryption / polynomial secret sharing, based on agreement information regarding the execution of predetermined processes including backing up, restoration, and deletion of the personal information of the authenticated contracting party to be backed up and the contract data in the distributed program contract to be backed up, obtained by the agreement information acquisition means 101; a security point sorting means 103 that sorts the multiple file data partitioned by the encryption / polynomial secret sharing partitioning means 102 into one of multiple security points; a security point sorting destination information management means 104 that manages the sorting destination information of the file data sorted by the security point sorting means 103 in a black box environment; and a modification of the file data sorted by the security point sorting means 103, and for file data that does not exceed the block size, multiple nodes of a distributed management file group established on the blockchain.The system includes: a modification / distributed recording means 105 having a processing smart contract that has the function of distributing and recording file data exceeding the block size to multiple nodes of a distributed management file group separate from the blockchain; an index information creation / encryption / recording means 106 having a processing smart contract that has the function of creating and encrypting index information of the file data distributed and recorded by the modification / distributed recording means 105 and recording it on a specific node of the blockchain in a black box environment; and an index information decryption means 107 having a processing smart contract that has the function of decrypting the index information of the file data recorded by the index information creation / encryption / recording means 106 for each group of file data associated with the information of each said security point, which is managed in a black box environment by the security point sorting destination information management means based on the personal information of the authenticated contracting party to be restored and the agreement information regarding the execution of the restoration process of contract data in a distributed program contract obtained by the agreement information acquisition means 101, and the information of each said security point, which is managed in a black box environment by the security point sorting destination information management means. Based on the index information decrypted by the index information decryption means 107, a file data extraction means 108 has a processing smart contract that has the function of extracting the modified and distributed recorded file data from multiple nodes of the distributed management file of the blockchain destination corresponding to the file data and multiple nodes of a distributed management file separate from the blockchain, and restoring it to its state before modification. A digital data restoration means 109 has a processing smart contract that has the function of integrating and decrypting the multiple fragmented file data extracted by the file data extraction means 108 and restoring it to the personal information of the authenticated contracting party and the contract data in the distributed program contract before backup. Based on the agreement information regarding the execution of the deletion process of the personal information of the authenticated contracting party and the contract data in the distributed program contract to be deleted, obtained by the agreement information acquisition means 101, for each group of file data associated with the information of each said safeguard point managed in a black box environment by the safeguard point sorting destination information management means 104,The system includes a deletion process index information decryption means 110 having a processing smart contract that has the function of decrypting the index information of the file data recorded in the index information creation / encryption / recording means 106, a file data deletion means 111 having a processing smart contract that has the function of deleting the modified and distributed recorded file data of a predetermined generation or earlier, which is stored on multiple nodes of the distributed management file of the blockchain corresponding to the file data and on multiple nodes of a distributed management file separate from the blockchain, based on the index information decrypted by the deletion process index information decryption means 110, and a preservation point sorting destination information based on the personal information of the authenticated contracting parties obtained by the agreement information acquisition means 101 and the agreement information regarding the execution of the deletion process of contract data in a distributed program contract. The system is configured to include a second file data deletion means 112 that deletes the information of the preservation point associated with the file data to be deleted, which is managed under a black box environment by the management means 104. Therefore, in managing contract data in a decentralized program contract linked to the personal information of the contracting parties, the polynomial data mosaicization and polynomial secret sharing encryption process that renders the data meaningless makes it impossible to reverse the process. Furthermore, by cutting the index information that records the management destination of the meaningless information, the link to the information actually being managed is severed, making it equivalent to deleting the relevant information. In other words, by invalidating the file data recorded on the blockchain and making it unrecoverable, it is possible to realize the management of contract data in a decentralized program contract linked to the personal information of the contracting parties in a form that does not involve personal information.

[0293] Furthermore, according to the claim assignment processing system 1 of the fourth embodiment, the real-time protected digital asset guard service provision system 100 is constructed with a group of nodes that combine blockchain and file distribution management functions, etc., and has multiple planets that form a single unit constituting a system for providing services that implement distributed smart contracts, server applications, etc., mainly consisting of a closed blockchain such as a private or consortium type, and consisting of at least one distributed ledger structure composed of multiple chains that may include a group of distributed ledgers and a public blockchain, and transmits and exchanges predetermined information between the creditor who is the assignor of the claim as a debtor authenticated by the debtor authentication means 11 and the third party who is the assignee of the claim as a creditor authenticated by the creditor authentication means 12, and executes predetermined processing including the backup, restoration and deletion of personal information of the creditor as the assignor of the claim and the third party as the assignee of the claim, which are the authenticated contract parties that are subject to backup, and the backup, restoration and deletion of the transfer information of the claim. Agreement information acquisition means 101 acquires mutual agreement information between the creditor as the assignor of the claim and the third party as the assignee of the claim, who are the authenticated contracting parties, and based on the agreement information regarding the execution of prescribed processing, including the backup, restoration, and deletion processing of personal information of the creditor as the assignor of the claim and the third party as the assignee of the claim, who are the authenticated contracting parties, who are the assignor of the claim and the third party as the assignee of the claim, who are the targets of backup, the authenticated contracting parties, who are the assignor of the claim and the assignee of the claim, who are the targets of backup The system comprises: an encryption / polynomial secret sharing partitioning means 102 having a processing smart contract that has the function of partitioning the personal information of a third party and the transfer information of the said claim into multiple file data by encryption / polynomial secret sharing; a security point sorting means 103 that sorts the multiple file data partitioned by the encryption / polynomial secret sharing partitioning means 102 into one of multiple security points; and a security point sorting destination information management means 104 that manages the sorting destination information of the file data sorted by the security point sorting means 103 in a black box environment.The system includes a modification / distributed recording means 105 having a processing smart contract that modifies the file data sorted by the preservation point sorting means 103 and distributes the recording of file data that does not exceed the block size to multiple nodes of a distributed management file group established on the blockchain, and file data that exceeds the block size to multiple nodes of a distributed management file group separate from the blockchain; an index information creation / encryption / recording means 106 having a processing smart contract that creates and encrypts index inf...

Claims

1. A debt assignment processing system built with a distributed ledger in blockchain or other distributed ledger technology, and a smart contract or server application for performing predetermined processing using data managed in said distributed ledger, which processes debt assignments while protecting personal information and other data that is difficult to manage in a system from high-level cyberattacks, primarily on-chain, A means of authenticating the debtor, who is one of the parties to the contract, A means of authenticating a creditor who is the other party in a contract, A predetermined decentralized program contract concluding means that concludes a predetermined decentralized program contract by agreement between a debtor authenticated by the debtor authentication means and a creditor authenticated by the creditor authentication means, A real-time digital asset guard service provision system that combines polynomial secret sharing encryption processing with a processing method based on the agreed information of the authenticated contracting parties to perform meaningless processing on predetermined information, manages it in a distributed manner as files sorted into multiple points, and has the function of encrypting and managing index information for the distributed files, A contract-related information preservation means that preserves predetermined related information in a predetermined distributed program contract concluded via the predetermined distributed program contract conclusion means by agreement between the debtor authenticated by the debtor authentication means and the creditor authenticated by the creditor authentication means, in the real-time protected digital asset guard service provision system, A means for controlling the fulfillment of requirements for asserting the assignment of a claim against a third party, which controls the fulfillment of the requirements for asserting the assignment against a third party without notifying the debtor of the assignment of the claim or obtaining the debtor's consent to the assignment of the claim to the creditor or the third party, after the creditor has assigned the claim to a third party. A debt assignment processing system characterized by having the following features.

2. The aforementioned means for controlling the fulfillment of requirements for asserting the assignment of a claim against a third party is: A means for concluding a distributed program contract with a claim assignment consent clause, which, by agreement between a debtor authenticated by the debtor authentication means and a creditor authenticated by the creditor authentication means, concludes a distributed program contract with a claim assignment consent clause that stipulates the debtor's consent to the creditor's assignment of the claim to a third party, and A means for creating a claim assignment consent clause authentication ID that authenticates the claim assignment consent clause stipulated in the distributed program agreement with a claim assignment consent clause concluded by the means for concluding the distributed program agreement with a claim assignment consent clause, based on an agreement between the debtor authenticated by the debtor authenticated by the debtor authenticated by the creditor authenticated by the creditor authentication means, A means for recording and storing the authentication ID for assignment of claim created by the aforementioned means for creating the authentication ID for assignment of claim, A means for assigning an assignment agreement authentication ID, which assigns the assignment agreement authentication ID created by the means for creating the assignment agreement authentication ID, to the contract of a distributed program contract with an assignment agreement that has been concluded via the means for concluding a distributed program contract with an assignment agreement, A first contract data preservation means that preserves the contract data of a distributed program contract with a claim assignment agreement, to which a claim assignment agreement agreement ID has been assigned via the claim assignment agreement agreement ID assignment means, by agreement between the debtor authenticated by the debtor authentication means and the creditor authenticated by the creditor authentication means, in the real-time protected digital asset guard service provision system, In the conclusion of a decentralized program agreement with a claim assignment agreement clause via the aforementioned means for concluding a decentralized program agreement with a claim assignment agreement clause, a means for issuing claim tokens with a claim assignment agreement agreement authentication ID, which is created by the means for creating a claim assignment agreement agreement authentication ID, is provided, based on the specified underlying digital assets sent by the creditor to the debtor's address. A means for sending a claim token with an authentication ID for a claim assignment agreement, which sends the claim token with an authentication ID for a claim assignment agreement issued by the aforementioned means for issuing a claim token with an authentication ID for a claim assignment agreement, to the creditor's address. A debt token trading device with a debt token The claim assignment processing system according to claim 1, characterized in that it is configured to include the following:

3. The aforementioned means for controlling the fulfillment of requirements for asserting the assignment of a claim against a third party is: A first decentralized program contract with a debt repayment destination address restriction clause is used to conclude a decentralized program contract with a debt repayment destination address restriction clause, which is stipulated by agreement between a debtor authenticated by the debtor authentication means and a creditor authenticated by the creditor authentication means, that the method of debt repayment is limited to a blockchain-based repayment method, which limits the blockchain address to which the debtor repays the debt to a specific blockchain address held by the creditor at the time of contract conclusion, and invalidates debt repayment by a repayment method that does not use blockchain, and that in a blockchain-based debt repayment method, debt repayment to a blockchain address other than the specified blockchain address to which it is limited is invalid, and that debt repayment is made by changing to the specified blockchain address to which it is limited. A second contract data preservation means for preserving the contract data of the first distributed program contract with a debt repayment destination address limitation clause, which is concluded by the first distributed program contract with a debt repayment destination address limitation clause concluded by the first distributed program contract with a debt repayment destination address limitation clause concluded by the first distributed program contract with a debt repayment destination address limitation clause concluded by the debtor authenticated by the debtor authenticated by the debtor authenticated by the creditor authenticated by the creditor authentication means, in the real-time protected digital asset guard service provision system, A first debt repayment address control means checks the blockchain address to which a debtor repays a debt when the debtor repays a debt, based on the debt repayment address limitation clause of the first decentralized program contract with debt repayment address limitation clause concluded by the first decentralized program contract with debt repayment address limitation means, and if the blockchain address to which the debtor repays a debt is a blockchain address other than the specified blockchain address that is limited, it invalidates the debt repayment to that blockchain address and controls the debt repayment process to be carried out by changing the blockchain address to which the debt repayment is carried out to the specified blockchain address that is limited, A debt transaction instrument that, at the direction of the creditor, conducts a transaction of said debt between the creditor and a third party who wishes to acquire the debt held by the creditor, A debt repayment recipient address ownership rights transfer control means that controls the transfer of ownership rights of a specific blockchain address held by a creditor to a third party at the time of transfer, in connection with the transfer of the claim by the creditor to a third party via the aforementioned debt transaction means, The claim assignment processing system according to claim 1, characterized in that it is configured to include the following:

4. The aforementioned means for controlling the fulfillment of requirements for asserting the assignment of a claim against a third party is: A second decentralized program contract with a debt repayment destination address restriction clause is used to conclude a second decentralized program contract with a debt repayment destination address restriction clause, which is stipulated by agreement between a debtor authenticated by the debtor authentication means and a creditor authenticated by the creditor authentication means, that the method of debt repayment is limited to a blockchain-based repayment method in which the blockchain address to which the debtor repays the debt is limited to a specific blockchain address held by the creditor at the time of contract conclusion, and that debt repayment by a non-blockchain repayment method is invalid, and that debt repayment to a blockchain address other than the specified blockchain address restricted in the blockchain-based debt repayment method is invalid, and that debt repayment will be made by changing to the specified blockchain address restricted. A third contract data preservation means that preserves the contract data of the second distributed program contract with a debt repayment destination address limitation clause, which is concluded by the second distributed program contract with a debt repayment destination address limitation clause debtor authenticated by the debtor authentication means and the creditor authenticated by the creditor authentication means, in the real-time protected digital asset guard service provision system, A second debt repayment address control means checks the blockchain address to which a debtor repays a debt when the debtor repays the debt, based on the debt repayment address limitation clause of the second decentralized program contract with debt repayment address limitation clause concluded by the second decentralized program contract with debt repayment address limitation means, and if the blockchain address to which the debtor repays the debt is a blockchain address other than the specified blockchain address that is limited, it invalidates the debt repayment to that blockchain address and controls the debt repayment process to be carried out by changing the blockchain address to which the debt repayment is carried out to the specified blockchain address that is limited, A debt transaction instrument that, at the direction of the creditor, conducts a transaction of said debt between the creditor and a third party who wishes to acquire the debt held by the creditor, In the event that a creditor transfers the claim to a third party via the aforementioned debt transaction means, a debt-equivalent digital asset transfer control means controls the transfer of a predetermined digital asset equivalent to the amount of the debt sent from the debtor to the specific blockchain address held by the creditor at the time of contract conclusion to a predetermined blockchain address held by the third party, The claim assignment processing system according to claim 1, characterized in that it is configured to include the following:

5. The claim assignment processing system according to claim 1, characterized in that the aforementioned claim is either a credit token that tokenizes a delivered claim or a monetary claim.

6. The aforementioned means for controlling the fulfillment of requirements for asserting the assignment of a claim against a third party is: A debt transaction instrument that, at the direction of the creditor, conducts a transaction of said debt between the creditor and a third party who wishes to acquire the debt held by the creditor, A debt transfer information preservation means that preserves the debt transfer information in the real-time protected digital asset guard service provision system by agreement between the creditor, who is the assignor of the debt as the debtor in the assignment agreement of the debt authenticated by the debtor authentication means, and the third party, who is the assignee of the debt as the creditor in the assignment agreement of the debt authenticated by the creditor authentication means, The claim assignment processing system according to claim 5, characterized in that it is configured to include the following:

7. The aforementioned real-time digital asset guarding service provision system is A distributed ledger structure consisting of at least one chain, primarily a closed blockchain such as a private or consortium type, which is built with multiple planets that form a single unit for providing services that implement distributed smart contracts and server applications, etc., and which are units that combine blockchain and file distribution management functions, etc., and which are composed of a group of nodes that combine nodes in multiple locations in different regions around the world, and which are built with at least one distributed ledger structure that is composed of multiple chains that may include a group of distributed ledgers and a public blockchain, and Agreement information acquisition means for transmitting and exchanging predetermined information between a debtor authenticated by the debtor authentication means and a creditor authenticated by the creditor authentication means, and for obtaining mutual agreement information of the authenticated contracting parties regarding the execution of predetermined processes, including the backup, restoration, and deletion of personal information of the authenticated contracting parties and contract data in a distributed program contract that are subject to backup, An encryption / polynomial secret sharing partitioning means having a processing smart contract that has the function of partitioning the personal information of the authenticated contracting party to be backed up and the contract data in the distributed program contract into multiple file data by encryption / polynomial secret sharing, based on the agreement information regarding the execution of predetermined processing, including the backing up, restoration, and deletion of the personal information of the authenticated contracting party to be backed up and the contract data in the distributed program contract, which are to be backed up, obtained by the agreement information acquisition means, A security point sorting means that sorts multiple file data partitioned by the encryption / polynomial secret sharing partitioning means by associating them with one of multiple security points, A preservation point sorting destination information management means manages the sorting destination information of file data sorted by the aforementioned preservation point sorting means in a black box environment, A modification and distributed recording means having a processing smart contract that modifies the file data sorted by the aforementioned preservation point sorting means and distributes the recording of file data that does not exceed the block size to multiple nodes of a distributed management file group established on the blockchain, and file data that exceeds the block size to multiple nodes of a distributed management file group separate from the blockchain, An index information creation, encryption, and recording means comprising a processing smart contract having the function of creating and encrypting index information of file data distributed and recorded by the aforementioned modification and distributed recording means, and recording it on a specific node of the blockchain in a black box environment, An index information decryption means having a processing smart contract that has the function of decrypting the index information of the file data recorded by the index information creation, encryption, and recording means for each group of file data associated with the information of each said security point, which is managed in a black box environment by the said security point sorting destination information management means, based on the personal information of the authenticated contracting party to be restored and the agreement information regarding the execution of the restoration process of the contract data in the distributed program contract, which is acquired by the said agreement information acquisition means, and the information regarding the execution of the restoration process of the contract data in the distributed program contract, and A file data extraction means having a processing smart contract that, based on the index information decrypted by the aforementioned index information decryption means, extracts the modified and distributed recorded file data from multiple nodes of the distributed management file of the destination blockchain corresponding to the file data and multiple nodes of a distributed management file separate from the blockchain, respectively, and restores it to its state before modification. A digital data recovery means comprising a processing smart contract having the function of integrating and decrypting multiple fragmented file data extracted by the aforementioned file data extraction means and restoring them to the personal information of the authenticated contracting party and contract data in a distributed program contract before backup, Based on the agreement information acquisition means obtained by the aforementioned agreement information acquisition means, and the agreement information regarding the execution of the deletion process of the personal information of the authenticated contracting party to be deleted and the contract data in the distributed program contract, the deletion processing index information decryption means has a processing smart contract that has the function of decrypting the index information of the file data recorded in the index information creation, encryption, and recording means for each group of file data associated with the information of each said security point, which is managed in a black box environment by the aforementioned security point sorting destination information management means, and A file data deletion means having a processing smart contract that has the function of deleting the file data from a predetermined generation prior to the modified and distributed recorded on multiple nodes of the distributed management file of the destination blockchain corresponding to the file data and multiple nodes of a distributed management file separate from the blockchain, based on the index information decrypted by the aforementioned deletion processing index information decryption means, A second file data deletion means deletes information on the protection point associated with the file data to be deleted, which is managed in a black box environment by the protection point sorting destination information management means, based on the personal information of the authenticated contracting party obtained by the aforementioned agreement information acquisition means and the agreement information regarding the execution of the deletion process of contract data in a distributed program contract. A debt assignment processing system according to any one of claims 1 to 5, characterized by having the following features.

8. The aforementioned real-time digital asset guarding service provision system is A distributed ledger structure consisting of at least one chain, primarily a closed blockchain such as a private or consortium type, which is built with multiple planets that form a single unit for providing services that implement distributed smart contracts and server applications, etc., and which are units that combine blockchain and file distribution management functions, etc., and which are composed of a group of nodes that combine nodes in multiple locations in different regions around the world, and which are built with at least one distributed ledger structure that is composed of multiple chains that may include a group of distributed ledgers and a public blockchain, and Agreement information acquisition means for transmitting and exchanging prescribed information between the creditor, who is the assignor of the claim as a debtor authenticated by the debtor authentication means, and the third party, who is the assignee of the claim as a creditor authenticated by the creditor authentication means, and for obtaining mutual agreement information regarding the execution of prescribed processes, including the backup, restoration, and deletion of personal information of the creditor, who is the assignor of the claim and the third party, who is the assignee of the claim and is an authenticated contracting party, and the transfer information of the claim, which are subject to backup. An encryption / polynomial secret sharing partitioning means having a processing smart contract that has the function of partitioning the personal information of the creditor as the assignor of the claim and the third party as the assignee of the claim, and the transfer information of the claim, which are the authenticated contracting parties to the claim that are to be backed up, into multiple file data using encryption / polynomial secret sharing, based on the agreement information regarding the execution of prescribed processing, including the backing up, restoration, and deletion processing of the personal information of the creditor as the assignor of the claim and the third party as the assignee of the claim, which are the authenticated contracting parties to the claim that are to be backed up, and the transfer information of the claim, into multiple file data using encryption / polynomial secret sharing, A security point sorting means that sorts multiple file data partitioned by the encryption / polynomial secret sharing partitioning means by associating them with one of multiple security points, A preservation point sorting destination information management means manages the sorting destination information of file data sorted by the aforementioned preservation point sorting means in a black box environment, A modification and distributed recording means having a processing smart contract that modifies the file data sorted by the aforementioned preservation point sorting means and distributes the recording of file data that does not exceed the block size to multiple nodes of a distributed management file group established on the blockchain, and file data that exceeds the block size to multiple nodes of a distributed management file group separate from the blockchain, An index information creation, encryption, and recording means comprising a processing smart contract having the function of creating and encrypting index information of file data distributed and recorded by the aforementioned modification and distributed recording means, and recording it on a specific node of the blockchain in a black box environment, An index information decryption means having a processing smart contract that has the function of decrypting the index information of the file data recorded by the index information creation, encryption, and recording means for each group of file data associated with the information of each security point managed in a black box environment by the security point sorting destination information management means, based on the agreement information acquisition means obtained by the agreement information acquisition means, personal information of the creditor as the assignor of the claim and the third party as the assignee of the claim, which are the authenticated contracting parties to be restored, and the agreement information regarding the execution of the restoration process of the transfer information of the claim, and for each group of file data associated with the information of each security point managed in a black box environment by the security point sorting destination information management means, A file data extraction means having a processing smart contract that, based on the index information decrypted by the aforementioned index information decryption means, extracts the modified and distributed recorded file data from multiple nodes of the distributed management file of the destination blockchain corresponding to the file data and multiple nodes of a distributed management file separate from the blockchain, respectively, and restores it to its state before modification. A digital data recovery means comprising a processing smart contract having the function of integrating and decrypting multiple fragmented file data extracted by the file data extraction means and restoring them to the personal information of the creditor as the assignor of the claim and the third party as the assignee of the claim, who are the authenticated contract parties, as well as the transfer information of the claim, before backup, Based on the agreement information regarding the execution of the deletion process for the personal information of the creditor as the assignor of the claim and the third party as the assignee of the claim, which are the authenticated contracting parties to be deleted and which are to be deleted, as well as the transfer information of the claim, the deletion processing index information decryption means has a processing smart contract that has the function of decrypting the index information of the file data recorded in the index information creation, encryption, and recording means for each group of file data associated with the information of each of the said protection points, which is managed in a black box environment by the said protection point sorting destination information management means, and A file data deletion means having a processing smart contract that has the function of deleting the file data from a predetermined generation prior to the modified and distributed recorded on multiple nodes of the distributed management file of the destination blockchain corresponding to the file data and multiple nodes of a distributed management file separate from the blockchain, based on the index information decrypted by the aforementioned deletion processing index information decryption means, A second file data deletion means deletes information on the protection point associated with file data to be deleted, which is managed in a black box environment by the protection point sorting destination information management means, based on the agreement information regarding the execution of deletion processing of personal information of the creditor as the assignor of the claim and the third party as the assignee of the claim, which are the authenticated contracting parties, obtained by the agreement information acquisition means, and information on the transfer of the claim. A debt assignment processing system according to any one of 1, 5, or 6, characterized by having the following features.

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