Personal financial transaction information management system with decentralized accounts

Abstract

This system provides robust and efficient protection of personal information from high-level cyberattacks, and enables the immediate and automated execution of financial transactions while managing information related to individual customers' financial transactions. [Solution] A system 1 that performs meaningless processing on each record, including a record containing KYC information and a personal unified ID, a record containing a decentralized account number, a personal unified ID and customer risk assessment information, and a financial institution code with access rights, a personal unified ID and financial institution code subject to the exercise of access rights, and manages them in a decentralized manner, and has means 21 for recording information on the financial transactions of individual customers linked to decentralized accounts, and means 22 for controlling that only records containing customer risk assessment information at financial institutions subject to the exercise of access rights can be accessed, and the financial institution managing the decentralized accounts manages information on the financial transactions of individual customers as confidential information via the individual customer's KYC information and customer risk assessment information.

Description

Technical Field

[0001] The present invention relates to a personal financial transaction-related information management system with a distributed account for managing information related to a customer's personal financial transactions and enabling automatic execution of the customer's personal financial transactions after receiving a transaction instruction from the customer. This is to protect data such as personal information and other system management-intensive data from risks such as high-level cyberattacks beyond the normal level, intense natural disasters, or physical attacks that are expected in the future, mainly on the on-chain while defending against high-level cyberattacks. In addition, the "system" in the present specification means a computer system that specifically realizes software-based information processing using hardware resources, which is composed of elements such as computers, other electronic devices, software, communication networks, and data.

Background Art

[0002] Conventionally, as an example of a protection measure for data against general cyberattacks, distributed encryption technologies such as blockchain are used. However, in the future, high-level cyberattacks beyond the normal level (such as by state actors or actors where the state and non-state are integrated), such as cryptographic analysis by quantum computers and EMP attacks, are expected. These high-level cyberattacks aim to leak, tamper with, erase, or destroy digital assets (confidential information such as personal information and security-related information, control modules for important functions, currencies such as stablecoins, digital currencies, and digital securities, and rights such as contracts). Therefore, it is important to guard digital assets against high-level cyberattacks.

[0003] Digital assets that are targets of high-level cyberattacks are thought to be wide-ranging, including personal information (account information) and personal asset information held by financial institutions, confidential information such as personal information and security-related information held by large corporations and government agencies, top-secret company information, important contracts, designs, control modules and data, and information related to lifelines. Traditionally, there have been no services (especially for the private sector) that can reliably guard against high-level cyberattacks, and in practice, services with resistance to quantum computer cryptography (such as PQC (Post-Quantum Cryptography)) have not been put into practical use. [Overview of the project] [Problems that the invention aims to solve]

[0004] Furthermore, the safeguarding of digital assets by systems is subject to extremely strict limitations regarding personal information, corporate confidential information, and national-level classified information. For example, if an entity other than the individual manages an individual's digital assets, the individual's consent is required. However, in reality, it is difficult to obtain consent from individuals for all digital assets that may be subject to management. As a result, the management of digital assets becomes limited and complex.

[0005] Therefore, the inventors of this case first considered and examined measures to strongly and efficiently protect important information such as secret / confidential information and personal information from high-level cyberattacks and physical destruction, and to restore important information without it being stolen by a third party even if it is subjected to cryptographic analysis by a quantum computer or an EMP attack, or to make it impossible for a third party to analyze the managed information even if it is stolen by a third party. The first measures considered were focused on the periodic batch maintenance process for backup data of corporate systems.

[0006] However, the data that constitutes digital assets that need to be preserved includes a vast amount of small-capacity data linked to personal information. Unlike backup data held by corporate systems, much of this small-capacity data linked to personal information requires real-time data preservation from a convenience standpoint (in order to quickly recover in the event of system failure, a database-like structure is desirable even for backup structures; in other words, a function that realizes storage-like processing with data preservation capabilities is desired).

[0007] Furthermore, personal information is subject to strong legal regulations from a protection standpoint. There is also a growing need to enhance the level of protection against external cyberattacks in order to preserve small-scale data linked to personal information.

[0008] Furthermore, personal information is linked to a wide variety of data, and it is desirable to protect this data in diverse forms. While small data units that do not exceed the block size can be backed up to the blockchain for data linked to personal information, as mentioned above, blockchains such as public chains cannot break the chain connecting the blocks. When backing up data to the blockchain, even if the data itself is subjected to a cyberattack, or as an application of this, information that exceeds the blockchain's block size is moved to a distributed file function, and only the management information is recorded on the block side. However, even if that data itself is subjected to a cyberattack, it must be managed as meaningless data that is not recognized as personal information (including important information), and it must be impossible to restore it to the original personal information in that state.

[0009] Therefore, the inventors of this case have further considered and examined measures to enable real-time preservation of digital assets, which (basically) consist of small-capacity data linked to personal information, to powerfully and efficiently protect important information such as confidential information and personal information from high-level cyberattacks and physical destruction, and to enable the restoration of important information without it being stolen by a third party even if it is subjected to cryptographic analysis by a quantum computer or an EMP attack, or to make it impossible for a third party to restore the managed information even if it is stolen by a third party, and have derived a real-time preservation type digital asset guard service provision system (Japanese Patent Application No. 2024-118956).

[0010] The real-time digital asset protection service provision system is expected to enhance security by managing personal information on-chain and distributing it using encryption. Furthermore, it is expected to enable efficient processing, such as direct transfer of digital assets, by synchronously linking it with on-chain information that links individuals.

[0011] Furthermore, the inventors of this case considered and examined the challenges of current accounts that manage personal financial and other asset information, based on the premise of using a real-time digital asset guard service provision system. On-chain management of personal information includes managing individual identities. In the case of accounts, the management of personal information such as KYC information that identifies an individual, AML / CFT (Anti-Money Laundering / Countering the Financing of Terrorism) information, other compliance information, and credit information is added to the management of individual identities. Personal IDs and account information are provided by individuals and managed by financial institutions that provide financial services.

[0012] Currently, the management of personal IDs and account information is mostly handled by centralized processing such as off-chain systems (server-based RDBs: relational databases). However, if this were to be added to the direct processing structure in the on-chain structure of the real-time digital asset guard service provision system, it would become difficult to synchronize data processing, and there is a risk of discrepancies in data security levels, making direct processing difficult.

[0013] Furthermore, the inventors of this case considered and examined cross-border transactions (international remittances, international trade) conducted between traders in different countries, as a concept derived from the management of personal financial and other asset information. Traditional cross-border transactions involve numerous intermediaries (banks, payment service providers, etc.), resulting in high fees and exchange charges. Furthermore, traditional international money transfers take several days to complete because they pass through multiple banks and payment systems. Additionally, transaction tracking is difficult, and differing legal regulations in each country complicate the management of risks such as fraud and money laundering. Therefore, conventional cross-border transactions faced the challenge of not being able to process them efficiently.

[0014] This invention has been made in view of the above problems, and aims to provide a personal financial transaction-related information management system with decentralized accounts that can preserve digital assets consisting of (basically) small-capacity data linked to personal information in real time, strongly and efficiently protect important information such as confidential information and personal information from high-level cyberattacks and physical destruction, manage information related to individual customers' financial transactions, execute individual customers' financial transactions immediately and automatically, and furthermore, efficiently process cross-border transactions. [Means for solving the problem]

[0015] To achieve the above objectives, the personal financial transaction-related information management system with decentralized accounts 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 capable of immediately and automatically executing personal financial transactions while managing information on individual customers' financial transactions, while protecting personal information and other data that is difficult to manage in a system from high-level cyberattacks mainly on-chain, and furthermore, is capable of efficiently processing cross-border transactions, and is a personal financial transaction-related information management system with decentralized accounts, comprising: a KYC information acquisition means that transmits authentication information of an individual customer to an external customer authentication system, receives authentication of the individual customer by the external customer authentication system and acquires the individual customer's KYC information, and a customer individual that is uniquely linked to the individual customer's KYC information acquired by the KYC information acquisition means A means for generating a personal unified ID that serves as a person identifier; a means for managing personal identification information for authentication of an authenticated person that manages personal identification information necessary for the authentication of an authenticated person; a financial institution authentication system that performs two or more individual authentications to a financial institution that manages a decentralized account of an individual customer as an authenticated person, based on the personal identification information for authentication of an authenticated person managed by the means for managing personal identification information for authentication of an authenticated person; a means for creating a customer KYC information management record that includes the KYC information of an individual customer who has opened a decentralized account with a financial institution, a personal unified ID linked to the individual customer, and date and time information of when the financial institution confirmed or provided the individual customer's KYC information; the number of the individual customer's decentralized account managed by the financial institution, the personal unified ID linked to the individual customer who has opened a decentralized account with the financial institution, and AML / CFT (Anti-Money Laundering / Counting the Financing of Terrorism) information, compliance information, credit information, and other customer risk assessment information for the individual customer in the individual customer's decentralized account managed by the financial institution;A means for creating customer risk assessment information management records that includes date and time information of when the financial institution confirmed or provided the customer risk assessment information; a means for creating access rights setting information management records that includes a financial institution code included in the number of the customer individual's distributed account managed by a financial institution that has access rights to the customer risk assessment information of each financial institution in the distributed account of a specific individual managed by a financial institution based on a personal unified ID; a personal unified ID linked to the customer individual to whom the access rights are to be exercised; a financial institution code included in the number of the customer individual's distributed account managed by the financial institution to whom the access rights are to be exercised; and the expiration date of the exercise of the access rights by the financial institution that has the access rights; and a means for creating access rights setting information management records that includes a customer individual's KYC information management record created by the customer KYC information management record creation means, and a customer risk assessment information management record created by the customer risk assessment information management record creation means The system includes a first agreement information acquisition means for acquiring first agreement information based on multiple authentications for executing predetermined processing, including backup, restoration, and deletion processing of predetermined information management records, among customer risk assessment information management records and access rights setting information management records created by the access rights setting information management record creation means; a customer KYC information management record preservation area for preserving customer individual KYC information management records created by the customer KYC information management record creation means; a customer risk assessment information management record preservation area for preserving customer risk assessment information management records created by the customer risk assessment information management record creation means; and an access rights setting information management record preservation area for preserving access rights setting information management records created by the access rights setting information management record creation means, and a combination of polynomial secret sharing encryption processing and a processing method based on first agreement information by two or more individual authentications to financial institutions managing customer individual decentralized accounts, the customer KYC information management records, customer risk assessment information management records, and access rights setting information management records,An information management record backup system that performs meaningless processing on the predetermined information management records among the customer KYC information management records, customer risk assessment information management records, and access rights setting information management records, and distributes and manages them as files sorted into multiple preservation points in the respective information management record preservation areas corresponding to each information management record, and manages the index information of the distributed files by encrypting it, and a processing method based on polynomial secret sharing encryption processing and a first consensus information based on two or more individual authentications for financial institutions that manage distributed accounts of individual customers, performs meaningless processing on the predetermined information management records among the customer KYC information management records, customer risk assessment information management records, and access rights setting information management records, and distributes and manages them as files sorted into multiple preservation points in the respective information management record preservation areas corresponding to each information management record, and manages the index information of the distributed files by encrypting it, and decrypts the index information of the file data for each group of file data associated with the information of each preservation point. A real-time digital asset guard service provision system having an information management record restoration system that extracts the file data distributed and managed in each information management record preservation area based on the decrypted index information, performs semantic processing on the extracted file data in a meaningless state, and restores it to the predetermined information management record among the customer KYC information management record, customer risk assessment information management record, and access rights setting information management record before backup; a decentralized account opening acceptance means provided on a predetermined blockchain to which each financial institution is connected to the real-time digital asset guard service provision system, which accepts applications for opening decentralized accounts from customers for each financial institution; a decentralized account setting and recording means that sets up a decentralized account for the individual customer at the financial institution and records it on the predetermined blockchain based on the acceptance of an application for opening a decentralized account from a customer by the decentralized account opening acceptance means; and the customer's transaction information, asset status information, etc., linked to the decentralized account.The system comprises: a personal financial transaction-related information recording means for recording information relating to the financial transactions of a particular customer, such as contract information, on a predetermined blockchain; and an information management record access control means for controlling access to only the information management records in the decentralized account of a particular customer managed by the financial institution that has access rights to the customer KYC information management record and the customer risk assessment information management record, among which the customer KYC information management record and customer risk assessment information management record have been restored by the information management record restoration system. This system is characterized by enabling the financial institution managing the customer's decentralized account to manage information relating to the customer's financial transactions, such as transaction information, contract information, and asset status information, as confidential information via the customer KYC information and customer risk assessment information for that customer, which are stored in the customer KYC information management record preservation area, the customer risk assessment information management record preservation area, and the access rights setting information management record preservation area.

[0016] Furthermore, in the personal financial transaction-related information management system equipped with a decentralized account of the present invention, the real-time protected digital asset guard service provision system has at least one distributed ledger structure composed of multiple chains, which may include a group of distributed ledgers and a public blockchain, etc., and is constructed by having multiple planets consisting of a group of nodes that combine nodes at multiple locations in different regions around the world (a unit that combines blockchain and file distributed management functions, etc., and constitutes a unit that constitutes a system for providing services that implement decentralized smart contracts and server applications, etc.), and the information management record backup system has a customer individual KYC information management record created by the customer KYC information management record creation means acquired by the first consensus information acquisition means, and a customer risk assessment information management record created by the customer risk assessment information management record creation means. Based on a first agreement information regarding the execution of backup processing of at least one of the information management records, including the access rights setting information management record created by the access rights setting information management record creation means, the encryption and polynomial partitioning means divides the information management record to be backed up, including the customer KYC information management record, the customer risk assessment information management record, and the access rights setting information management record, into multiple file data by encryption and polynomial secret sharing; the security point sorting means sorts the multiple file data divided by the encryption and polynomial partitioning means into one of multiple security points; the security point sorting destination information management means manages the sorting destination information of the file data sorted by the security point sorting means in a black box environment; and modifies 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 that, for file data exceeding the block size, distributes and records the data in respective information management record preservation areas corresponding to the respective information management records of multiple nodes in a distributed management file group separate from the blockchain, and an index information creation, encryption, and recording means that creates and encrypts index information of the file data distributed and recorded by the modification and distributed recording means, and records it in a specific node of the blockchain under a black box environment. The information management record restoration system is performed on at least one of the information management records, which are acquired by the first agreement information acquisition means, and which are created by the customer KYC information management record creation means, the customer risk assessment information management record created by the customer risk assessment information management record creation means, and the access rights setting information management record created by the access rights setting information management record creation means. Based on the first agreement information regarding the execution of the restoration process of at least one of these information management records, a meaningless processing is performed, and the information management records corresponding to each information management record are sorted into multiple preservation points. The Customer KYC Information Management Record, Customer Risk Assessment Information Management Record, and Access Rights Setting Information Management Record are distributed and managed in a distributed area, and the index information for the distributed files is encrypted and managed. 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, the index information of the file data recorded in the Index Information Creation, Encryption, and Recording Means decrypts the index information of the file data recorded in the Index Information Creation, Encryption, and Recording Means. Based on the index information decrypted by the Index Information Decryption Means, the file data is extracted from multiple nodes of the distributed management files of the security destination blockchain corresponding to the file data and multiple nodes of a distributed management file separate from the blockchain, and restored to its pre-modification state. The fragmented file data extracted by the File Data Extraction Means is integrated and decrypted to restore the Customer KYC Information Management Record, Customer Risk Assessment Information Management Record, and Access Rights Setting Information Management Record to their pre-backup state.The system comprises a data recovery means for restoring the access rights setting information management record, and further comprises a first agreement information for executing a deletion process of at least one of the information management records, which is created by the customer KYC information management record creation means obtained by the first agreement information acquisition means, the customer risk assessment information management record created by the customer risk assessment information management record creation means, and the access rights setting information management record created by the access rights setting information management record creation means, and for each group of file data associated with the information of each said security point managed in a black box environment by the security point sorting destination information management means, the index information of the file data recorded in the index information creation, encryption, and recording means is decrypted during the deletion process. Preferably, the information management record deletion system comprises: an index information decryption means; a file data deletion means that deletes the file data from a predetermined generation prior to the modified and distributed record on multiple nodes of the distributed management file of the blockchain to which the file data is to be preserved and on multiple nodes of a distributed management file separate from the blockchain, based on the index information decrypted by the decryption index information decryption means during the deletion process; and a second information management record deletion system comprising a second file data deletion means that deletes the information of the preservation point associated with the file data to be deleted, which is managed in a black box environment by the preservation point sorting destination information management means, based on first agreement information regarding the execution of the deletion process of digital data associated with an individual, obtained by the first agreement information acquisition means.

[0017] Furthermore, in the personal financial transaction-related information management system equipped with a decentralized account of the present invention, it is preferable that the information management record access control means comprises: an information management record access right token generation means that generates an information management record access right token that grants access rights to the information management record in the decentralized account of a customer who has access rights, which is managed by a financial institution that is subject to the exercise of access rights by the financial institution that manages the decentralized account of the customer who has access rights, among the customer KYC information management record and customer risk assessment information management record restored by the information management record restoration system; and an information management record access right token sending means that sends the information management record access right token generated by the information management record access right token generation means to the address of the financial institution that manages the decentralized account of the customer who has access rights.

[0018] Furthermore, in the personal financial transaction-related information management system equipped with a decentralized account of the present invention, the system transmits and exchanges predetermined information between multiple certifiers authenticated by the financial institution authentication system, or to one certifier who has received multiple authentications, and obtains second agreement information based on multiple authentications regarding the exercise of the right to access to the information management record in the decentralized account of the customer individual managed by the financial institution that is subject to the exercise of the right to access the information management record, using the information management record access right token by the financial institution that manages the decentralized account of the customer individual who has the right to access the right, and, based on the second agreement information obtained by the second agreement information acquisition means, the system operates the index information decryption means, the file data extraction means, and the data restoration means, assuming that first agreement information regarding the execution of the restoration process of the customer KYC information management record and the customer risk assessment information management record in the decentralized account of the customer individual managed by the financial institution that is subject to the exercise of the right to access the right has been obtained by the first agreement information acquisition means, and then operates the index information decryption means, the file data extraction means, and the data restoration means to execute the restoration process of the customer KYC information management record and the customer risk assessment information management record in the decentralized account of the customer individual managed by the financial institution that is subject to the exercise of the right to access the Preferably, the information management record access control means includes an access control means for restoring the information management record restoration system to the customer KYC information management record and the customer risk assessment information management record before they were evacuated, and the information management record access control means includes an accessible information management record copying means for copying the customer KYC information management record and the customer risk assessment information management record before they were evacuated in the decentralized account of the customer individual managed by the financial institution subject to the exercise of the access rights, which have been restored by the access control means for the information management record access control means, and an accessible information management record sending means for sending the customer KYC information management record and the customer risk assessment information management record, which have been copied by the accessible information management record copying means, to the address of the financial institution that manages the decentralized account of the customer individual and has the access rights, and which exercised the access rights using the information management record access rights token.

[0019] Furthermore, in the personal financial transaction-related information management system equipped with a decentralized account of the present invention, it is preferable that the information management record access control means includes authentication information sending means for sending predetermined information to the address of the financial institution that manages the decentralized account of the customer individual who has the access rights, and which exercised the access rights using the information management record access rights token. This information is based on the first agreement information obtained by the first agreement information acquisition means, which is based on multiple authentications for the execution of the restoration process of the customer KYC information management record and the customer risk assessment information management record, and is transmitted between multiple authenticaters authenticated by the financial institution authentication system, or to one authenticater who has received multiple authentications, by the financial institution that manages the decentralized account of the customer individual who is subject to the exercise of access rights.

[0020] Furthermore, in the personal financial transaction-related information management system equipped with a decentralized account according to the present invention, it is preferable to have an information management record access right token invalidation means for invalidating the information management record access right token sent to the address of the financial institution having the access right when the expiration date for exercising the access right by the financial institution having the access right in the information management record access right token generated by the information management record access right token generation means has passed.

[0021] Furthermore, in the personal financial transaction-related information management system equipped with decentralized accounts of the present invention, it is preferable to have a linking smart contract that has a linking function for linking the KYC information of an individual customer who has opened a decentralized account with the customer risk assessment information of the financial institution in the decentralized account of the individual customer managed by the financial institution.

[0022] In addition, in the personal financial transaction-related information management system equipped with the distributed account of the present invention, the transaction information of the customer individual, the asset status information, and the contract information, which are information related to the financial transactions of the customer individual, are linked to the distributed account number of the customer individual managed by the financial institution, the personal unified ID associated with the customer individual, and the KYC information of the customer individual who opened the distributed account at the financial institution and the customer risk assessment information by the financial institution in the distributed account of the customer individual managed by the financial institution. It is preferable to have a linking smart contract having a linking function.

[0023] In addition, in the personal financial transaction-related information management system equipped with the distributed account of the present invention, the distributed account opening reception means has an authentication information input screen for receiving the input of the my number and password when a customer individual applies for opening a distributed account at a financial institution. The KYC information acquisition means transmits the my number and password of the customer individual input by the authentication information input screen as the authentication information of the customer individual to an external customer authentication system, and is preferably configured to receive the transmission of the KYC information of the customer individual from the external customer authentication system.

[0024] Furthermore, in the personal financial transaction-related information management system equipped with a distributed account according to the present invention, it is preferable that the customer KYC information management record further includes the customer's individual My Number, and that the personal unified ID inquiry receiving means accepts inquiries for a personal unified ID using the customer's individual My Number in a real-time protected digital asset guard service provision system by a financial institution that has the customer's consent, and that, in response to the receipt of an inquiry for a personal unified ID by the personal unified ID inquiry receiving means, the personal unified ID acquisition means semantizes (restores (decrypts and integrates)) the customer KYC information management record of the customer that is recorded in a meaningless state (decomposed (encrypted and distributed)) in the customer KYC information management record preservation area of ​​the real-time protected digital asset guard service provision system, extracts the customer's personal unified ID from the semantized customer KYC information management record, and obtains the personal unified ID.

[0025] Furthermore, in the personal financial transaction-related information management system equipped with decentralized accounts of the present invention, it is preferable that the number of a decentralized account for an individual customer managed by the financial institution consists of a financial institution code, a branch code, and an account number.

[0026] Also, in the personal financial transaction-related information management system equipped with the distributed account of the present invention, between financial institutions where the distributed accounts of individual customers have been opened, there is a smart contract for receiving access right setting instructions for each financial institution's customer risk assessment information based on the personal unified ID, which has a function of receiving mutual access right setting instructions for each financial institution's customer risk assessment information based on the personal unified ID. Based on the access right setting instructions received by the smart contract for receiving access right setting instructions, the record creation means for access right setting information management is caused to create the record for access right setting information management, and the first agreement information acquisition means is caused to transmit and exchange predetermined information between a plurality of authenticators authenticated by the financial institution authentication system or to a single authenticator who has received a plurality of authentications. A first agreement information based on a plurality of authentications regarding the execution of the backup process of the access right setting information management record created by the access right setting information management record creation means is acquired, and the information management record backup system in the real-time preservation type digital asset guard service providing system is caused to perform a meaningless processing on the access right setting information management record, and the access right setting information management record is distributed and managed in each information management record preservation area corresponding to each information management record as a file sorted into a plurality of preservation points, and at the same time, index information about the file to be distributed and managed is encrypted and managed. It is further preferable to have an access right setting control smart contract for controlling the access right setting process for each financial institution's customer risk assessment information based on the personal unified ID.

[0027] Also, in the personal financial transaction-related information management system equipped with the distributed account of the present invention, it is further preferable that the smart contract for receiving access right setting instructions further has a function of receiving an access right setting instruction from the individual customer to another financial institution where the distributed account of the individual customer has been opened, for the financial institution where the distributed account of the individual customer has been opened.

[0028] Furthermore, in the personal financial transaction-related information management system equipped with decentralized accounts of the present invention, it is preferable to provide a trading smart contract that has the function of allowing individual customers to access decentralized accounts opened at financial institutions and conduct transactions on DEXs (decentralized exchanges), so that DEXs and other financial institutions can provide this to individual customers.

[0029] Furthermore, in the personal financial transaction-related information management system equipped with a decentralized account according to the present invention, it is preferable that the transaction information, asset status information, and contract information of an individual customer, which are information relating to an individual customer's financial transactions, include the decentralized account number of the individual customer managed by the financial institution and a personal unified ID linked to the individual customer.

[0030] Furthermore, in the personal financial transaction-related information management system equipped with a decentralized account according to the present invention, it is preferable that the system includes a smart contract for managing personal unified ID-linked information that has the function of managing information linked to the personal unified ID, and that the management record information access control means is configured to control access rights to the information linked to the personal unified ID by performing authentication between the personal unified ID-linked information management smart contracts.

[0031] Furthermore, in the personal financial transaction-related information management system equipped with decentralized accounts of the present invention, it is preferable that the linking smart contract has a linking function that links the KYC information of an individual who has opened a decentralized account with a financial institution with the customer risk assessment information of a financial institution between the decentralized accounts of an individual managed by a financial institution, which are related to the financial transactions of the individual customer and are contained in the individual customer's transaction information, asset status information, and contract information, and the personal unified ID linked to the individual customer.

[0032] Furthermore, in the personal financial transaction-related information management system equipped with a decentralized account of the present invention, it is preferable that the system be configured so that an individual customer can authenticate / access a decentralized account opened at a financial institution via the transaction smart contract provided by the financial institution, and, through the account information of the individual customer's decentralized account set up / managed by the financial institution, refer to their own information, such as transaction information, asset information, and contract information, which is recorded as financial institution-owned information on a conventional blockchain connected to each financial institution, and perform transaction activities.

[0033] Furthermore, in the personal financial transaction-related information management system equipped with decentralized accounts of the present invention, it is preferable to have a compliance processing control smart contract that has a compliance processing control function based on the customer risk assessment information by each financial institution in the decentralized accounts of individual customers managed by that financial institution. [Effects of the Invention]

[0034] According to the present invention, a personal financial transaction-related information management system with decentralized accounts is obtained that can preserve digital assets consisting of (basically) small-capacity data linked to personal information in real time, strongly and efficiently protect important information such as confidential information and personal information from high-level cyberattacks and physical destruction, manage information related to individual customers' financial transactions, execute individual customers' financial transactions immediately and automatically, and furthermore, efficiently process cross-border transactions. [Brief explanation of the drawing]

[0035] [Figure 1] This is a schematic diagram illustrating an example of the overall configuration of a personal financial transaction-related information management system equipped with a distributed account according to the first embodiment of the present invention. [Figure 2] This is a schematic diagram illustrating an example of the functions of a KYC information acquisition means in a personal financial transaction-related information management system equipped with a distributed account according to the first embodiment. [Figure 3]This is an explanatory diagram illustrating a schematic example of the functions of a personal unified ID generation means in a personal financial transaction-related information management system equipped with a distributed account according to the first embodiment. [Figure 4] This is a schematic diagram illustrating an example of the functions of the personal identification information management means for authenticating the authenticated person in a personal financial transaction-related information management system equipped with a distributed account according to the first embodiment. [Figure 5] This is a schematic diagram illustrating an example of the functions of a financial institution authentication system in a personal financial transaction-related information management system equipped with a distributed account according to the first embodiment. [Figure 6] This is a schematic diagram illustrating an example of the functions of a record creation means for customer KYC information management in a personal financial transaction-related information management system equipped with a distributed account according to the first embodiment. [Figure 7] This is a schematic diagram illustrating an example of the functions of a record creation means for managing customer risk assessment information in a personal financial transaction-related information management system equipped with a distributed account according to the first embodiment. [Figure 8] This is a schematic diagram illustrating an example of the functions of a record creation means for managing access rights setting information in a personal financial transaction-related information management system equipped with a distributed account according to the first embodiment. [Figure 9] This is a schematic diagram illustrating an example of the functions of the first consent information acquisition means in a personal financial transaction-related information management system equipped with a distributed account according to the first embodiment. [Figure 10] This is an explanatory diagram illustrating a schematic example of the functions of a decentralized account opening acceptance means in a personal financial transaction-related information management system equipped with decentralized accounts according to the first embodiment. [Figure 11] This is a schematic diagram illustrating an example of the functions of a distributed account setting and recording means in a personal financial transaction-related information management system equipped with a distributed account according to the first embodiment. [Figure 12] This is an explanatory diagram illustrating a schematic example of the functions of a personal financial transaction-related information recording means in a personal financial transaction-related information management system equipped with a distributed account according to the first embodiment. [Figure 13] This is a schematic diagram illustrating an example of the functions of the information management record access control means in a personal financial transaction-related information management system equipped with a distributed account according to the first embodiment. [Figure 14] This is a schematic diagram illustrating a part of an example of the configuration of the information management record access control means in a personal financial transaction-related information management system equipped with a distributed account according to the first embodiment. [Figure 15] This is a schematic diagram illustrating an example of the functions of an information management record access rights token generation means provided in the information management record access control means in a personal financial transaction-related information management system equipped with a decentralized account according to the first embodiment. [Figure 16] This is a schematic diagram illustrating an example of the functions of the information management record access rights token sending means provided in the information management record access control means in a personal financial transaction-related information management system equipped with a decentralized account according to the first embodiment. [Figure 17] This is a schematic diagram illustrating a part of an example of further configurations of the personal financial transaction-related information management system equipped with a decentralized account according to the first embodiment. [Figure 18] This is a schematic diagram illustrating an example of the functions of a second consent information acquisition means, which is an additional component of the personal financial transaction-related information management system equipped with a distributed account according to the first embodiment. [Figure 19] This is a schematic diagram illustrating an example of the functions of a record restoration control means for managing information subject to access rights, which is an additional component of the personal financial transaction-related information management system equipped with a distributed account according to the first embodiment. [Figure 20] This is an explanatory diagram schematically showing another part of an example of the configuration of the record access control means for information management in a personal financial transaction-related information management system equipped with a distributed account according to the first embodiment. [Figure 21] This is a schematic diagram illustrating an example of the functions of an accessible information management record copy means provided in the information management record access control means in a personal financial transaction-related information management system equipped with a distributed account according to the first embodiment. [Figure 22] This is a schematic diagram illustrating an example of the functions of an accessible information management record sending means provided in the information management record access control means in a personal financial transaction-related information management system equipped with a distributed account according to the first embodiment. [Figure 23] This is an explanatory diagram illustrating, in a schematic manner, another part of an example of the configuration of the information management record access control means in a personal financial transaction-related information management system equipped with a distributed account according to the first embodiment. [Figure 24] This is a schematic diagram illustrating an example of the functions of the authentication information sending means provided in the information management record access control means in a personal financial transaction-related information management system equipped with a distributed account in the first embodiment. [Figure 25] This is an explanatory diagram illustrating, in a schematic manner, another part of an example of the configuration of the information management record access control means in a personal financial transaction-related information management system equipped with a distributed account according to the first embodiment. [Figure 26] This is a schematic diagram illustrating an example of other parts of a further configuration of a personal financial transaction-related information management system equipped with a decentralized account according to the first embodiment. [Figure 27] This is a schematic diagram illustrating an example of the functions of a means for invalidating information management record access rights tokens, which is an additional component of the personal financial transaction-related information management system equipped with a decentralized account according to the first embodiment. [Figure 28] This is a schematic diagram illustrating an example of the functionality of a linking smart contract, which is an additional component of the personal financial transaction-related information management system equipped with a decentralized account according to the first embodiment. [Figure 29] This is a schematic diagram illustrating an example of the functions of a personal unified ID inquiry receiving means, which is an additional component of the personal financial transaction-related information management system equipped with a distributed account according to the first embodiment. [Figure 30] This is a schematic diagram illustrating an example of the functions of a means for obtaining a unified personal ID, which is an additional component of the personal financial transaction-related information management system equipped with a decentralized account according to the first embodiment. [Figure 31] This is a schematic diagram illustrating an example of the functions of a smart contract for receiving access rights setting instructions, which is an additional component of the personal financial transaction-related information management system equipped with a decentralized account according to the first embodiment. [Figure 32] This is a schematic diagram illustrating an example of the functionality of a smart contract for controlling access rights, which is an additional component of the personal financial transaction-related information management system equipped with a decentralized account according to the first embodiment. [Figure 33] This is a schematic diagram illustrating an example of the functions of a smart contract for managing information linked to a unified personal ID, which is an additional component of the personal financial transaction-related information management system equipped with a decentralized account according to the first embodiment. [Figure 34] This is a schematic diagram illustrating an example of further configurations of a personal financial transaction-related information management system with decentralized accounts according to the first embodiment. [Figure 35] This is a schematic diagram illustrating an example of the functions of a trading smart contract further included in the personal financial transaction-related information management system equipped with a decentralized account according to the first embodiment. [Figure 36] This is a schematic diagram illustrating an example of further configurations of a personal financial transaction-related information management system with decentralized accounts according to the first embodiment. [Figure 37] This is a schematic diagram illustrating an example of further configurations of a personal financial transaction-related information management system with decentralized accounts according to the first embodiment. [Figure 38] This is a schematic diagram illustrating an example of the configuration of a real-time protected digital asset guard service provision system in a personal financial transaction-related information management system equipped with a distributed account according to the first embodiment. [Figure 39] This is a schematic diagram illustrating an example of the functions of an information management record backup system included in a real-time protected digital asset guard service provision system in a personal financial transaction-related information management system equipped with a distributed account of the first embodiment. [Figure 40]This is a schematic diagram illustrating an example of the configuration of an information management record backup system in a personal financial transaction-related information management system equipped with a distributed account according to the first embodiment. [Figure 41] This is a schematic diagram illustrating an example of the functions of the encryption / polynomial secret sharing partitioning means provided in the information management record backup system in a personal financial transaction-related information management system equipped with a distributed account according to the first embodiment. [Figure 42] This is a schematic diagram illustrating an example of the functions of a preservation point sorting means provided in an information management record backup system in a personal financial transaction-related information management system equipped with a distributed account according to the first embodiment. [Figure 43] This is a schematic diagram illustrating an example of the functions of the data storage point sorting destination information management means provided in the data storage record backup system of the personal financial transaction-related information management system equipped with a distributed account of the first embodiment. [Figure 44] This is a schematic diagram illustrating an example of the functions of the modification and distributed recording means provided in the information management record backup system in a personal financial transaction-related information management system equipped with a distributed account of the first embodiment. [Figure 45] This is a schematic diagram illustrating an example of the configuration of an index information creation, encryption, and recording means included in the information management record backup system of a personal financial transaction-related information management system equipped with a distributed account of the first embodiment. [Figure 46] This is a schematic diagram illustrating an example of the functions of an information management record recovery system included in a real-time protected digital asset guard service provision system in a personal financial transaction-related information management system with a distributed account according to the first embodiment. [Figure 47] This is a schematic diagram illustrating an example of the configuration of an information management records recovery system in a personal financial transaction-related information management system equipped with a distributed account according to the first embodiment. [Figure 48]This is a schematic diagram illustrating some of the functions of an index information decryption means provided in an information management records recovery system in a personal financial transaction-related information management system equipped with a distributed account of the first embodiment. [Figure 49] This is a schematic diagram illustrating an example of the configuration of a file data extraction means included in an information management records recovery system in a personal financial transaction-related information management system equipped with a distributed account according to the first embodiment. [Figure 50] This is a schematic diagram illustrating an example of the configuration of a data recovery means included in the information management records recovery system in a personal financial transaction-related information management system equipped with a distributed account according to the first embodiment. [Figure 51] This is a schematic diagram illustrating an example of the functions of a record recovery system for information management in a personal financial transaction-related information management system equipped with a distributed account according to the first embodiment. [Figure 52] This is a schematic diagram illustrating an example of the configuration of an information management record deletion system included in a real-time protected digital asset guard service provision system in a personal financial transaction-related information management system equipped with a distributed account according to the first embodiment. [Figure 53] This is a schematic diagram illustrating an example of the functions of the index information decryption means during deletion processing in the information management record deletion system of a personal financial transaction-related information management system equipped with a distributed account of the first embodiment. [Figure 54] This is a schematic diagram illustrating an example of the functions of a file data deletion means provided in a record deletion system for information management in a personal financial transaction-related information management system equipped with a distributed account according to the first embodiment. [Figure 55] This is a schematic diagram illustrating an example of the configuration of a second information management record deletion system included in a real-time protected digital asset guard service provision system in a personal financial transaction-related information management system equipped with a distributed account of the first embodiment. [Figure 56]This is a schematic diagram illustrating an example of the functions of a file data deletion means provided in a second information management record deletion system in a personal financial transaction-related information management system equipped with a distributed account of the first embodiment. [Figure 57] This is a schematic diagram illustrating an example of the process for opening a decentralized account at a financial institution based on an application from an individual customer, using a personal financial transaction-related information management system equipped with a decentralized account according to the first embodiment. [Figure 58] This is a schematic diagram illustrating an example of the flow of creating and backing up customer KYC information management records using a personal financial transaction-related information management system equipped with a distributed account according to the first embodiment. [Figure 59] This is a schematic diagram illustrating a part of the flow of creating and backing up customer risk assessment information management records using a personal financial transaction-related information management system equipped with a distributed account according to the first embodiment. [Figure 60] This is a schematic diagram illustrating a continuation of Figure 59 in an example of the flow of creating and backing up customer risk assessment information management records using a personal financial transaction-related information management system equipped with a distributed account of the first embodiment. [Figure 61] This is a schematic diagram illustrating a part of the flow of creating and backing up access rights setting information records using a personal financial transaction-related information management system equipped with a distributed account according to the first embodiment. [Figure 62] This is an explanatory diagram illustrating, in general terms, another part of an example of the flow of creating and backing up access rights setting information management records using a personal financial transaction-related information management system equipped with a distributed account according to the first embodiment. [Figure 63] This diagram schematically illustrates an overview of the access rights exercise process using a personal financial transaction-related information management system equipped with a decentralized account according to the first embodiment, and an example of the flow of the access rights exercise process using an information management record access rights token. [Figure 64]This is a schematic diagram illustrating one example of the flow of rights exercise processing using an information management record access rights token with a personal financial transaction-related information management system equipped with a decentralized account according to the first embodiment. [Figure 65] This is a schematic diagram illustrating another example of a rights exercise process using an information management record access rights token with a personal financial transaction-related information management system equipped with a decentralized account according to the first embodiment. [Figure 66] This is a schematic diagram illustrating a part of the flow of the information management record backup process by the information management record backup system in a real-time protected digital asset guard service provision system using a personal financial transaction-related information management system equipped with a distributed account of the first embodiment. [Figure 67] This is a schematic diagram illustrating a continuation of Figure 66 in an example of the flow of the information management record backup process by the information management record backup system in a real-time protected digital asset guard service provision system using a personal financial transaction-related information management system equipped with a distributed account of the first embodiment. [Figure 68] This is an explanatory diagram illustrating the overview of the information management record restoration process by the information management record restoration system included in the real-time protected digital asset guard service provision system using a personal financial transaction-related information management system equipped with a distributed account of the first embodiment. [Figure 69] This is a schematic diagram illustrating an example of the process flow for restoring information management records by an information management record restoration system included in a real-time protected digital asset guard service provision system using a personal financial transaction-related information management system equipped with a distributed account of the first embodiment. [Figure 70] This diagram schematically illustrates an example of the flow of information management record deletion and invalidation processing by the information management record deletion system and the second information management record deletion system in a real-time protected digital asset guard service provision system using a personal financial transaction-related information management system equipped with a distributed account of the first embodiment. [Figure 71]This is a schematic diagram illustrating an example of the invalidation process for an information management record access rights token whose exercise period has expired, using a personal financial transaction-related information management system equipped with a decentralized account according to the first embodiment. [Figure 72] This is an explanatory diagram illustrating the overview of transaction processing at a DEX (decentralized exchange) for individual customers using a personal financial transaction-related information management system equipped with a decentralized account according to the first embodiment. [Figure 73] This is an explanatory diagram illustrating the overview of the process of linking individual customer KYC information and customer risk assessment information using a personal financial transaction-related information management system equipped with a decentralized account according to the first embodiment. [Figure 74] This is an explanatory diagram illustrating the overview of compliance processing based on customer risk assessment information in transactions using a personal financial transaction-related information management system equipped with a distributed account according to the first embodiment. [Figure 75] This is an explanatory diagram in table format showing specific examples of the numbers of individual customer decentralized accounts at each financial institution, which were opened during the account opening phase of a decentralized account using a personal financial transaction-related information management system equipped with decentralized accounts according to the first embodiment. [Figure 76] This is an explanatory diagram in table format showing specific examples of customer KYC information and generated personal unified IDs obtained during the opening stage of a decentralized account using a personal financial transaction-related information management system equipped with decentralized accounts according to the first embodiment. [Figure 77] This is an explanatory diagram in tabular format showing a specific example of a customer KYC information management record created during the opening stage of a distributed account using a personal financial transaction-related information management system equipped with a distributed account according to the first embodiment. [Figure 78] This is an explanatory diagram in tabular format showing specific examples of customer risk assessment information for individual customers by each financial institution during the creation and backup phase of records for customer risk assessment information management using a personal financial transaction-related information management system equipped with a distributed account of the first embodiment. [Figure 79]This is an explanatory diagram in tabular format showing specific examples of customer risk assessment information management records for individual customers created by each financial institution during the creation and backup phase of customer risk assessment information management records using the personal financial transaction-related information management system equipped with a distributed account of the first embodiment. [Figure 80] This is an explanatory diagram in tabular format showing a specific example of an access rights setting information management record created during the creation and backup phase of an access rights setting information management record using a personal financial transaction-related information management system equipped with a distributed account according to the first embodiment. [Figure 81] This diagram illustrates, in tabular form, specific examples of customer KYC information management records and customer risk assessment information management records for individual customers that can be obtained by a financial institution exercising access rights using the personal financial transaction-related information management system equipped with a decentralized account according to the first embodiment, at the stage of an individual customer's financial transaction using a decentralized account. [Figure 82] This is a schematic diagram illustrating the types of individual authentication in a real-time protected digital asset guard service provision system, which the inventor of this invention considered and examined during the derivation process of the personal financial transaction-related information management system equipped with a distributed account. [Figure 83] This is a conceptual diagram illustrating the linking of customer KYC information, which has the DID concept in a real-time protected digital asset guard service provision system, with customer risk assessment information of each financial institution in the distributed accounts, as considered and examined by the inventor in the process of deriving the personal financial transaction-related information management system equipped with the distributed accounts of the present invention. [Figure 84] This is a conceptual diagram illustrating examples of linking DIDs (Uniform Individual IDs) with distributed accounts and information connectivity with on-premise systems, which were considered and examined by the inventor during the derivation process of the personal financial transaction-related information management system equipped with distributed accounts according to the present invention. [Figure 85]This is a conceptual diagram illustrating the method for sharing and managing customer KYC information and customer risk assessment information for individual customers at a financial institution, as considered and examined by the inventor in the process of deriving the personal financial transaction-related information management system equipped with the distributed account of the present invention. [Figure 86] This is a schematic conceptual diagram illustrating the configuration that enables cross-border trading, instant trading, and automated processing via a DEX (decentralized exchange), as considered and examined by the inventor during the derivation process of the personal financial transaction-related information management system equipped with decentralized accounts according to the present invention. [Figure 87] This is a conceptual diagram illustrating the data structure of KYC information management records, AML information management records, and access rights setting information management records that are backed up in the real-time protected digital asset guard service provision system, which was considered and examined by the inventor in the process of deriving the personal financial transaction-related information management system equipped with the distributed account of the present invention. [Modes for carrying out the invention]

[0036] Before describing the embodiments, we will explain the circumstances that led to the invention and the effects of the invention.

[0037] 1. Background and effects of developing a real-time digital asset guard service provision system for use in a personal financial transaction information management system with decentralized accounts. First, we will briefly explain the background and effects of developing a real-time digital asset guard service provision system for use in a personal financial transaction information management system equipped with decentralized accounts.

[0038] 1-1. High-level cyberattacks Traditionally, distributed encryption technologies such as blockchain have been used as one example of data protection measures against common cyberattacks. However, in the future, we anticipate high-level cyberattacks exceeding normal levels (by state actors, or actors combining state and non-state actors), such as cryptographic analysis using quantum computers and EMP attacks, which will be discussed later. These high-level cyberattacks are thought to aim at the leakage, alteration, deletion, or destruction of digital assets (confidential information such as personal information and security-related information, control modules for critical functions, currencies such as stablecoins, digital currencies, and digital securities, and rights such as contracts). Therefore, it is crucial to protect digital assets from high-level cyberattacks.

[0039] 1-2. Digital assets that are targets of high-level cyberattacks Digital assets that are targets of high-level cyberattacks are thought to be wide-ranging, including personal information (account information) and personal asset information held by financial institutions, confidential information such as personal information and security-related information held by large corporations and government agencies, top-secret company information, important contracts, designs, control modules and data, and information related to lifelines. Traditionally, there have been no services (especially for the private sector) that can reliably guard against high-level cyberattacks, and in practice, services with resistance to quantum computer cryptography (such as PQC (Post-Quantum Cryptography)) have not been put into practical use.

[0040] Furthermore, the safeguarding of digital assets by systems is subject to extremely strict limitations regarding personal information, corporate confidential information, and national-level classified information. For example, if an entity other than the individual manages an individual's digital assets, the individual's consent is required. However, in reality, it is difficult to obtain consent from individuals for all digital assets that may be subject to management. As a result, the management of digital assets becomes limited and complex.

[0041] Therefore, the inventors of this case first considered and examined measures to strongly and efficiently protect important information such as secret / confidential information and personal information from high-level cyberattacks and physical destruction, and to restore important information without it being stolen by a third party even if it is subjected to cryptographic analysis by a quantum computer or an EMP attack, or to make it impossible for a third party to analyze the managed information even if it is stolen by a third party. The first measures considered were focused on the periodic batch maintenance process for backup data of corporate systems.

[0042] However, the data that constitutes digital assets that need to be preserved includes a vast amount of small-capacity data linked to personal information. Unlike backup data held by corporate systems, much of this small-capacity data linked to personal information requires real-time data preservation from a convenience standpoint (in order to quickly recover in the event of system failure, a database-like structure is desirable even for backup structures; in other words, a function that realizes storage-like processing with data preservation capabilities is desired).

[0043] Furthermore, personal information is subject to strong legal regulations from a protection standpoint. There is also a growing need to enhance the level of protection against external cyberattacks in order to preserve small-scale data linked to personal information.

[0044] Furthermore, personal information is linked to a wide variety of data, and it is desirable to protect this data in diverse forms. While small data units that do not exceed the block size can be backed up to the blockchain for data linked to personal information, as mentioned above, blockchains such as public chains cannot break the chain connecting the blocks. When backing up data to the blockchain, even if the data itself is subjected to a cyberattack, or as an application of this, information that exceeds the blockchain's block size is moved to a distributed file function, and only the management information is recorded on the block side. However, even if that data itself is subjected to a cyberattack, it must be managed as meaningless data that is not recognized as personal information (including important information), and it must be impossible to restore it to the original personal information in that state.

[0045] Therefore, the inventors of this case have further considered and examined measures that enable real-time preservation of digital assets, which (basically) consist of small-capacity data linked to personal information, to powerfully and efficiently protect important information such as confidential information and personal information from high-level cyberattacks and physical destruction, and to enable the restoration of important information without it being stolen by a third party even if it is subjected to cryptographic analysis by a quantum computer or an EMP attack, or to make it impossible for a third party to restore the managed information even if it is stolen.

[0046] 1-3. Consideration and examination of the unique characteristics of the real-time digital asset guarding service provision system. The inventors of this case have conducted extensive research and considerations regarding the construction of a storage function that enables data deletion on the blockchain ledger (in the future, they envision a DB (In-Memory Data Grid: a database structure built in memory) that supports GRID, which combines scattered computer resources and treats them as a single large computer), and in the process, they have derived a real-time digital asset protection service provision system.

[0047] Simply using blockchain technology is insufficient to meet third-party requirements, including the management of personal information. Even if blockchain could be used to manage personal information, it would still need to be able to withstand evolving cyberattacks to ensure the security of 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.

[0048] Therefore, the inventors of this case considered combining polynomial secret sharing encryption processing with a processing method based on bidirectional agreement between contracting parties (which complements the polynomial secret sharing encryption processing) in a real-time digital asset guard service provision system. This would allow for data preservation while simultaneously avoiding analysis of the data's destination address and index information, thereby achieving PQC (post-quantum cryptography) and solving the aforementioned problems regarding the preservation of personal information.

[0049] According to the real-time digital asset guarding service provision system, in managing personal information, the process involves polynomial-based data mosaicization and polynomial secret sharing encryption that renders the data meaningless, making it impossible to reverse the process. Furthermore, by cutting the index information that records where the meaningless information is managed, the link to the actually managed information is severed, making it equivalent to deleting the relevant information. This makes it possible to manage personal information in a form that is not personal information.

[0050] Furthermore, since it can be made impossible for anyone other than those with authority (those who form the agreed-upon information through a processing method based on a two-way agreement on data preservation) to re-ensure and restore this meaningless information, it is considered that the requirements for enforceability against third parties are met. This makes it possible to link (associate) data management information linked to personal information on the on-chain to multiple chains.

[0051] 1-4. Consideration and examination of the relationship between the real-time digital asset protection service provision system and data linked to personal information. The inventors of this case envisioned placing data linked to personal information in a higher layer of a real-time digital asset guard service provision system. They envisioned the real-time digital asset guard service provision system functioning as storage (auxiliary storage device) that preserves data linked to personal information in real time. The real-time digital asset protection service provision system is built using multiple private or consortium-type blockchains and distributed file management functionality. Data within the blockchain and distributed file management functions is rendered meaningless in a mosaic-like manner through a processing method based on polynomial secret-sharing encryption and bidirectional agreement among contracting parties. Management information for this data is handled as index information through a black-box concealment process.

[0052] 2. Background and effects of developing a personal financial transaction-related information management system with decentralized accounts using a real-time digital asset guard service provision system. Next, we will explain the background and effects of developing a personal financial transaction-related information management system equipped with decentralized accounts using a real-time digital asset guard service provision system.

[0053] 2-1. About Decentralized Accounts Blockchain has the concept of addresses, and an address can essentially be linked to a specific individual. In general, within Web3, DID (Decentralized Identity) is an identity management concept that aims to minimize dependence on centralized platforms. DIDs (Decentralized Identifiers) are one means of enabling the implementation of DID.

[0054] Furthermore, in Web3, authentication by a Certificate Authority (CA) is a fundamental method for identifying individuals and companies. A Certificate Authority (CA) authenticates the IDs used to identify individuals and companies and issues digital certificates to websites and other independent entities. DIDs are identifiers (information used to identify an ID) that use distributed ledger technology (mainly blockchain). Furthermore, DIDs are one concrete implementation method of SSI (the idea that individuals should manage and store their personal data independently of any governing entity and have full decision-making power).

[0055] The decentralized account considered and examined by the inventor in this case is the exact opposite of DID, and is a concept that incorporates the setting of compliance information in accordance with financial laws when individuals conduct financial transactions. More specifically, decentralized accounts are not a concept like DID that aims to minimize dependence on a centralized platform and allow individuals to freely manage and store their personal data and have decision-making power. Rather, in a Web3 environment, decentralized accounts are set up for individual customers under the management of financial institutions, and the information linked to these individual decentralized accounts under the management of financial institutions is processed and managed in a Web3-like decentralized manner.

[0056] The inventors of this case believe that if it becomes possible to perform Web3-like decentralized processing and management of information linked to individual customer decentralized accounts set up under the management of financial institutions, then by setting individual customers as users of smart contracts with trading functions provided by financial institutions such as DEXs (decentralized exchanges), automated trading using information linked to individual customer decentralized accounts will be possible using smart contracts with trading functions set up with individual customers as users after receiving trading instructions from customers. As a result, it is conceivable that cross-border transactions and financial processing, primarily in the financial sector, will be fully automated (instant settlement).

[0057] The inventor of this invention conceived of a system in which, based on the premise that financial institutions manage decentralized accounts, each financial institution would set up a decentralized account for each individual customer, in order to enable fully automated (instant settlement) cross-border transactions and financial processing, primarily focused on finance.

[0058] Furthermore, the inventors envisioned that in decentralized accounts established by each financial institution, customer risk assessment information such as AML / CFT (Anti-Money Laundering / Counting the Financing of Terrorism) information, other compliance information, and credit information for each individual customer would be individually managed in relation to the customer's DID (Define Identification Number) information, and that credit for transactions would be granted based on the management of this information.

[0059] Conversely, information that embodies the concept of DID is KYC information, and KYC information includes, for example, information based on the My Number system promoted by the government. However, in the decentralized account considered and examined by the inventor, the KYC information of individual customers that embodies the concept of DID (for example, attribute information that identifies the individual customer, such as name, date of birth, gender, and address) is considered to be information that should be centrally managed by each financial institution. Furthermore, the customer risk assessment information of each financial institution in the decentralized account is considered to be auxiliary customer personal information owned by each financial institution, and is basically information that individual customers cannot control, can be shared between financial institutions, or whose access can be restricted by setting access rights.

[0060] 2-2. Types of individual authentication in real-time digital asset guard service provision systems Figure 82 is a schematic diagram illustrating the types of individual authentication in a real-time protected digital asset guard service provision system, which the inventors considered and examined during the derivation process of the personal financial transaction-related information management system equipped with the distributed account of the present invention. In the real-time digital asset guard service provision system derived by the present inventor, the concept of consensus underlies the execution conditions for processes such as information preservation and restoration, and requires two or more individual authentications (i.e., two or more addresses). There are two types of concepts for individual authentication in the real-time digital asset guard service provision system, but the basic concept is the same.

[0061] The first type of individual authentication involves two or more individual authentications that have the concept of DID (Densely Identified Person) where an individual manages their own personal information. The real-time digital asset guard service provision system uses two or more individual authentications, but the second authentication, separate from the first authentication of the individual, is triggered by the first authentication of the individual, and AI or smart contracts verify whether or not it is the person in question, thereby performing two or more individual authentications (confirmation that it is a specific individual). Examples of the first type of individual authentication include the authentication of personally identifiable information and important medical information.

[0062] The second type of individual authentication involves two or more individual authentications, where the company has a concept of managing personal information. Examples of this second type of individual authentication include two authentications within the organization (individually verified by a lawyer) and two authentications with other organizations.

[0063] Both the first and second types of individual authentication are used during the information recording process. Recording information requires a key to record it on the blockchain. However, the entire system, including the blockchain in the real-time digital asset guard service provision system, is permissioned, and information is automatically recorded when the key is set in a hot wallet-type smart contract. Furthermore, it is necessary to manage a key for encrypting the information. While the concept of encryption keys is fundamentally based on the assumption that the user manages them, for user convenience, it is possible to set these keys within a smart contract that has authentication functionality. The inventors of this invention have considered adopting a second type of individual authentication in the real-time protected digital asset guard service provision system used in the personal financial transaction-related information management system equipped with a distributed account of the present invention, which has the concept of a financial institution managing the personal information of its customers.

[0064] 2-3. Linking customer KYC information with the DID concept in a real-time protected digital asset guard service provision system with customer risk assessment information from each financial institution in decentralized accounts. The real-time digital asset guard service provision system derived by the present inventor is built on the concept of a distributed DMP (Data Management Platform) primarily based on personal information. The present inventor conducted the following considerations and studies regarding how to link customer KYC information with the DID concept and customer risk assessment information of each financial institution in distributed accounts, including the processing method based on access rights for information between distributed accounts, and how to set and move access rights for the linked information. Figure 83 is a conceptual diagram illustrating the linking of customer KYC information with the concept of DID in a real-time protected digital asset guard service provision system and customer risk assessment information of each financial institution in a distributed account, as considered and examined by the inventor in the process of deriving the personal financial transaction-related information management system equipped with a distributed account of the present invention.

[0065] In a real-time digital asset protection service provision system, there are processes within the blockchain and processes between blockchains. The inventor of this invention basically envisioned linking customer KYC information, which has the DID concept, with customer risk assessment information of each financial institution in a decentralized account, as shown in Figure 83, through processes between smart contracts.

[0066] While access rights are usually defined within a single system, the inventors of this case conceived of a decentralized account system where blockchain addresses have creditworthiness, and access rights are set for information linked between blockchain addresses, with the concept of DID (Distributed Identity) being used to control access to the information based on the set access rights.

[0067] The inventors of this case have conceived of configuring the function of linking the smart contract in the real-time digital asset guard service provision system, which has the concept of DID (Distributed Identification) with the customer risk assessment information of each financial institution in decentralized accounts, as follows.

[0068] First, the inventor of this case conceived of recording and managing customer KYC information, which is based on the concept of DID (Distributed Information Identity) where individual customers manage their own information, using a real-time digital asset guard service provision system. More specifically, the inventor considered generating a unique identifier information linked to each individual customer, called a Personal Unified ID, which is an identifier used to realize the concept of DID. This generated Personal Unified ID was then added to the customer's KYC information to create a record for managing customer KYC information. The inventor then considered establishing a real-time digital asset guard service provision system, specifically a region for preserving customer KYC information management records that possess the concept of DID (customer KYC information management record preservation region), and ensuring that customer KYC information management records are recorded in the customer KYC information management record preservation region in a decomposed (encrypted and distributed) state.

[0069] Next, the inventors considered recording and managing customer risk assessment information for each financial institution in decentralized accounts managed by those financial institutions using a real-time digital asset guard service provision system. More specifically, the inventor considered creating a record for managing customer risk assessment information by linking the customer risk assessment information of each financial institution in a decentralized account managed by the financial institution to the address of the respective financial institution (or its representative), and adding a unified personal ID. The inventor then considered creating a real-time protected digital asset guard service provision system that includes an area (customer risk assessment information management record preservation area) for preserving the customer risk assessment information management records of each financial institution in a decentralized account managed by the financial institution, and ensuring that the customer risk assessment information management records are recorded in the customer risk assessment information management record preservation area in a decomposed (encrypted and distributed) state.

[0070] Furthermore, the inventors envisioned a system that would allow financial institutions to mutually grant access rights to each other's customer risk assessment information in decentralized accounts of specific individuals managed by each financial institution, based on a unified personal ID. If access rights are granted, the system would then allow each financial institution to share customer risk assessment information in decentralized accounts of specific individuals managed by each financial institution, based on the unified personal ID. More specifically, the inventor considered creating an access rights setting information management record that includes the number of the distributed account of the financial institution with access rights, which indicates which financial institution possesses the relevant unified personal ID, the unified personal ID, and the number of the distributed account of the financial institution subject to the exercise of access rights, as information on distributed accounts managed by each financial institution. The inventor then considered providing a real-time digital asset guard service provision system in which an area for preserving the access rights setting information management record (access rights setting information management record preservation area) is established, and the access rights setting information management record is recorded in the access rights setting information management record preservation area in a decomposed (encrypted and distributed) state.

[0071] Furthermore, the inventors of this invention considered that the control of access rights to customer risk assessment information of each financial institution in decentralized accounts of specific individuals managed by financial institutions based on a unified personal ID should be based on authentication between smart contracts that manage customer risk assessment information of each financial institution in decentralized accounts managed by financial institutions linked to the unified personal ID.

[0072] Furthermore, the inventors of this case have conceived of a method to generate tokens granting access rights to customer risk assessment information of each financial institution in a decentralized account managed by a financial institution for a specific individual, based on a unified personal ID. This is achieved through authentication between smart contracts that manage customer risk assessment information of each financial institution in a decentralized account managed by a financial institution linked to a unified personal ID. The generated tokens can then be sent to the other financial institution (to the address of its representative) to establish access rights. Furthermore, the inventor of this case considered making it possible to set an expiration date for the exercise of access rights granted by financial institutions.

[0073] 2-4. Examples of linking DIDs (Uniform Individual Identifiers) with decentralized accounts and connecting information with on-premises systems. Figure 84 is a conceptual diagram illustrating the linking of DIDs (Uniform Individual IDs) and distributed accounts, and the example of information connectivity with on-premise systems, which the inventors considered and examined during the derivation process of the personal financial transaction-related information management system equipped with distributed accounts according to the present invention. The inventors of this case envisioned a system where, in finance and other fields, the ownership of information such as transaction information, asset information, and contract information (related to an individual customer's financial transactions linked to their decentralized account) belongs to the financial institution or other business entity. When an individual customer uses a financial institution's account service, the individual customer authenticates / accesses a transaction smart contract provided by the financial institution and, through the account information (of their decentralized account) set up / managed by the financial institution, can refer to information about their own financial transactions (such as transaction information, asset information, and contract information, which are recorded on a standard blockchain connected to each financial institution as information owned by the financial institution) and perform transactions and other actions.

[0074] However, currently, in most financial institutions' account services, transaction information, asset information, and contract information related to individual customers' financial transactions are managed in on-premise, centralized (RDB: relational database) systems. Therefore, the inventor of this case first considered, in order to enhance security in the RDB, how to enable access to information related to individual customers' financial transactions, such as transaction information, asset information, and contract information, in the RDB by connecting via an API and accessing ID information common to transaction information, asset information, and contract information (an individual ID set and existing on a per-financial institution basis, a concept separate from a unified personal ID) (by a smart contract that implements a gateway function for the API). More specifically, the RDB (Relational Database) would not record information related to individual customers' financial transactions, such as transaction information, asset information, and contract information, which could be targets of cyberattacks. Instead, only IDs would be recorded. The real-time digital asset guard service provision system would record both the IDs and information related to individual customers' financial transactions, including transaction information, asset information, and contract information, which could be targets of cyberattacks. This would separate information related to individual customers' financial transactions, including transaction information, asset information, and contract information, from the RDB. Furthermore, the system would receive information related to individual customers' financial transactions, including transaction information, asset information, and contract information, via the ID as needed. In this way, the RDB would not contain any information to steal that could be targeted by cyberattacks, thus preventing cyberattacks.

[0075] Next, the inventors considered an evolution of the above-mentioned strategy using a real-time protected digital asset guard service provision system in a financial transaction method using an RDB. This strategy involves recording information related to individual customers' financial transactions, such as transaction information, asset information, and contract information, on a standard blockchain, while also recording personally identifiable information and a personal unified ID in the real-time protected digital asset guard service provision system. Furthermore, they considered receiving personally identifiable information from the real-time protected digital asset guard service provision system via the personal unified ID as needed (Figure 84).

[0076] Furthermore, the inventor of this case considered a system in which customer risk assessment information, such as scores including blacklists, AML information, other compliance information, and credit information for individual customers, would not be disclosed to the individual customer, but could be shared among financial institutions in certain cases. The inventor of this case considered a method for sharing customer risk assessment information, such as blacklist scores, AML / CFT information, other compliance information, and credit information, between financial institutions, where access rights are set based on contract information, etc., between smart contracts that manage customer risk assessment information of each financial institution.

[0077] 2-5. Basic Concepts of a Real-Time Protected Digital Asset Guard Service Provisioning System in Decentralized Accounts Furthermore, the inventors envisioned a system where individual customers could set up their own decentralized accounts at financial institutions, and then directly conduct financial transactions through these decentralized accounts using smart contracts with trading functions provided by financial institutions, such as DEXs (decentralized exchanges).

[0078] As described above, the inventor of this case considered providing a real-time digital asset guard service system with areas for recording and managing various information about a financial institution's distributed accounts (a record preservation area for customer KYC information management, a record preservation area for customer risk assessment information management, and a record preservation area for access rights setting information management). The inventors of this case envisioned a system in which a financial institution can store (record in a decomposed (encrypted and distributed) state) records of individual customers' KYC information and records of customer risk assessment information for each individual customer in the record storage area for customer KYC information management, the record storage area for customer risk assessment information management, and the record storage area for access rights setting information management within the real-time protected digital asset guard service provision system. Through the KYC information and customer risk assessment information for each individual customer stored (recorded in a decomposed (encrypted and distributed) state) in the record storage area for customer KYC information management, the record storage area for customer risk assessment information management, and the record storage area for access rights setting information management within the real-time protected digital asset guard service provision system, the financial institution could manage a wide range of information related to the financial transactions of individual customers who have distributed accounts with the financial institution, such as transaction information, contract information, and asset status information, as confidential information that is meaningless (decomposed (encrypted and distributed)) and unidentifiable, by the individual customer information linked to the financial transaction information of each individual customer.

[0079] Furthermore, the inventors envisioned enabling financial institutions to manage transaction information, contract information, asset status information, etc., as a wide range of confidential information through customer KYC information and customer risk assessment information for said customer, which are stored (recorded in a decomposed (encrypted and distributed) state) in record storage areas for customer KYC information management, customer risk assessment information management, and access rights setting information management. In addition, they envisioned managing digital assets such as tokens, and having the structure of the digital assets (tokens and coins) managed by financial institutions themselves be decomposed (encrypted and distributed) by the real-time protected digital asset guard service provision system.

[0080] Furthermore, the inventors of this case believe that in the Real-Time Digital Asset Guard Service Provision System, it is possible to structure the managed digital assets in a decomposed (encrypted and distributed) manner, so that it is possible to move individual customer assets within the network of the Real-Time Digital Asset Guard Service Provision System. In addition, they believe that the acceptance of individual customer digital assets from outside the network of the Real-Time Digital Asset Guard Service Provision System, and the movement of digital assets managed by the Real-Time Digital Asset Guard Service Provision System to outside the network, can also be handled by the decomposition (encryption and distribution) of digital assets and the token movement method (i.e., a method in which the digital asset is generated as a token and the generated token is delivered to the other party's financial institution (or the address of the person in charge)).

[0081] The real-time digital asset protection service provision system is configured not to manage personal information in a meaningful form, as it applies a meaningless processing to the information being managed.

[0082] Generally, personal information recorded on a blockchain cannot be erased. Therefore, it becomes impossible to manage personal information on the blockchain, and it must be managed in an on-premise, centralized relational database. However, in management environments where personal information is concentrated, such as relational databases (RDBs), there is a risk that if RDB IDs and passwords are stolen through a cyberattack, the large amount of personal information recorded in the RDB could be stolen and leaked externally. This would increase the security costs required to defend against cyberattacks, making it unprofitable to manage personal information.

[0083] In contrast, in the case of a real-time digital asset protection service provision system, the information itself is encrypted and distributed using at least multiple addresses (authentication IDs) to protect the information, making it difficult for malicious third parties to steal the combination of these multiple addresses. Furthermore, when restoring the information, the decryption method for the information encrypted and distributed using multiple addresses (authentication IDs) is set in the smart contract associated with the authentication ID.

[0084] Thus, in a real-time digital asset guard service provision system, unlike simple RSA encryption which can be decrypted with a decryption key, or secret sharing which can be decrypted with a combination of distributed information, the distributed information itself is made complex during the meaninglessness processing stage, and furthermore, the encryption and decryption processes of the information are incorporated into a smart contract that corresponds to an authentication ID. In short, managing personal information through encryption and distributed processing provided by a real-time digital asset guarding service provider has a particular advantage in that it is extremely difficult to target with cyberattacks.

[0085] Therefore, the inventors of this case believe that by managing decentralized accounts on-chain using a real-time digital asset guard service provision system, processing using smart contracts (processing based on set access rights regarding individual customer KYC information and customer risk assessment information for those individual customers) becomes more efficient, and that it is possible to significantly reduce cybersecurity costs by providing strong resistance to cyberattacks.

[0086] 2-6. Methods for sharing and managing customer KYC information and customer risk assessment information for said customers within financial institutions. Figure 85 is a conceptual diagram illustrating the method for sharing and managing customer KYC information and customer risk assessment information for individual customers at a financial institution, as considered and examined by the inventor during the derivation process of the personal financial transaction-related information management system equipped with a decentralized account according to the present invention. By using the My Number service provided by the Digital Agency, individuals can verify their identity by providing their My Number and entering their password into the My Number system. While it is generally possible to receive KYC information (personal identification information such as name, date of birth, gender, and address) from the My Number system, individual customer KYC information must be managed in the financial institution's own system that manages the decentralized accounts. Therefore, the security strength for managing individual customer KYC information needs to be increased.

[0087] To avoid recent cyberattacks targeting personal information, it is considered important for financial institutions managing decentralized accounts to avoid managing personally identifiable attribute information such as names, addresses, and dates of birth, which are part of customer KYC (Know Your Customer) information, in their own possession. The inventors of this case envisioned a system in which financial institutions manage individual unified IDs but do not manage individual customer KYC information linked to those unified IDs, while managing individual customer KYC information linked to those unified IDs in a real-time digital asset guard service provision system. The inventors also envisioned a system in which financial institutions can, when necessary, access individual customer KYC information linked to unified IDs managed in a real-time digital asset guard service provision system.

[0088] Furthermore, the inventors of this case believe that the customer personal information for financial institutions, which is centrally managed by the real-time digital asset guard service provision system, will record the "financial institution code" and "confirmation date" of the financial institution that originally confirmed (provided) the customer personal information that should be managed by the financial institution, and that it will be possible to transfer the customer personal information that should be managed by the financial institution to the real-time digital asset guard service provision system by doing the following.

[0089] In more detail, the inventor of this case conceived of setting a distributed account number consisting of "financial institution code + branch code + account number" as the key for customer personal information in a distributed account managed by a financial institution, and recording a personal unified ID linked to the customer's individual KYC information under the distributed account number set as the key.

[0090] More specifically, when an individual customer opens a new account with a financial institution, they enter their My Number and password on a dedicated screen, and the My Number Center sends the customer's personal KYC information as authorization information for the individual customer. In principle, the personal unified ID can be linked to the My Number via the customer's personal KYC information recorded by adding the personal unified ID to the customer KYC information preservation area of ​​the real-time protected digital asset guard service provision system. Therefore, the inventors of this case believed that, with the consent of the individual customer, a financial institution could obtain a unified personal ID by querying the individual customer's My Number in a real-time digital asset guard service provision system. This would allow the unified personal ID to be meaningfully restored (decrypted and integrated) from the unified personal ID attached to the individual customer's KYC information, which is recorded in a meaningless (decomposed (encrypted and distributed)) state in the record preservation area for customer KYC information management in the real-time digital asset guard service provision system. As a result, if a financial institution only manages the unified personal ID, it would become unnecessary to manage specific individual customer KYC information (for example, attribute information such as name, date of birth, gender, address, and My Number that identifies the individual customer).

[0091] 2-7. Open KYC processing based on the decentralized account concept Figure 86 is a conceptual diagram schematically showing the configuration that enables cross-border transactions / instant transactions / automated processing via a DEX (decentralized exchange), as considered and examined by the inventor in the process of deriving the personal financial transaction-related information management system equipped with decentralized accounts of the present invention. Figure 87 is an explanatory diagram conceptually showing the data structure of KYC information management records, AML information management records, and access rights setting information management records that are backed up in the real-time protected digital asset guard service provision system, as considered and examined by the inventor in the process of deriving the personal financial transaction-related information management system equipped with decentralized accounts of the present invention. Unlike DIDs, where individual customers manage their own information, decentralized accounts are a concept where financial institutions manage individual customer information. However, because information management takes place on-chain, it can be considered a concept similar to DEXs (decentralized exchanges). Ultimately, the owners of decentralized accounts are financial institutions, and decentralized accounts can be considered a digital transformation (DX) concept that enables cross-border transactions, instant transactions, and automated processing by automating compliance functions based on customer risk assessment information for individual customers of each financial institution using smart contracts.

[0092] The inventor envisioned that the real-time digital asset guard service provision system used for decentralized accounts be operated and managed by a designated operating and management institution. Furthermore, the inventor envisioned that the users of the real-time digital asset guard service provision system used for decentralized accounts be financial institutions. The inventor also envisioned that individual customers would access their existing decentralized accounts at financial institutions and conduct transactions on DEXs (decentralized exchanges) via smart contracts with trading functions provided by financial institutions, such as DEXs.

[0093] Furthermore, the inventors envisioned a system where a distributed account number consisting of financial institution / branch / account number at the financial institution level, and a unified personal ID linked to the customer's individual KYC information, would serve as a key to link each piece of management information (information relating to the customer's financial transactions, such as transaction information, asset information, and contract information, which is recorded as owned by the financial institution and on a standard blockchain connected to each financial institution).

[0094] Furthermore, the inventors of this case considered that access rights to each piece of management information (information relating to the financial transactions of an individual customer, such as transaction information, asset information, and contract information, which is recorded as owned by the financial institution in a standard form of blockchain to which each financial institution is connected) should be held by the financial institution in question and the account holder (the individual customer).

[0095] Furthermore, the inventors of this case have conceived a real-time digital asset guard service provision system in which the KYC information management records for individual customers, AML information, and other customer risk assessment information management records for individual customers are recorded and managed in a decomposed (encrypted and distributed) state within the areas for preserving KYC information management records, AML information, and other customer risk assessment information management records for individual customers (customer KYC information management record preservation area, customer risk assessment information management record preservation area).

[0096] Furthermore, the inventors of this invention have considered, in a real-time digital asset guard service provision system, recording and managing access rights setting information management records in a decomposed (encrypted and distributed) state within an area for preserving access rights setting information management records (access rights setting information management record preservation area) the presence or absence of access rights for each individual customer's KYC information and customer risk assessment information for that individual customer at the registered financial institution, on a per-person unified ID basis.

[0097] The inventor of this case conceived of a system that provides real-time digital asset guarding services, and that prevents access to information for which access rights are not recorded and for which access rights have not been set (such as individual customer KYC information and customer risk assessment information for that individual customer). Furthermore, the inventors of this case have considered a system that allows customers to set up access rights to their individual KYC information and customer risk assessment information for that individual customer through the financial institution where they have already opened their decentralized account, to other financial institutions where they have already opened their decentralized account.

[0098] 2-8. Cross-border trading using decentralized accounts Cross-border transactions are transactions conducted between buyers and sellers residing in different countries. Many cross-border transactions are financial in nature, including bank transfers / foreign exchange trading, foreign stock trading, and settlements.

[0099] Blockchain technology and cryptographic decentralization are expected to be effective in processing cross-border transactions for the following reasons: The first reason is cost reduction. In traditional cross-border transactions (international money transfers and international trade), many intermediaries (banks, payment service providers, etc.) are involved, resulting in high fees and exchange charges. However, by using blockchain technology, the number of intermediaries can be drastically reduced, thereby lowering the costs associated with transactions.

[0100] The second reason is improved transaction speed. Traditional international money transfers take several days to complete because they go through multiple banks and payment systems, but by using blockchain technology, transfers and payments can be made in real time or near real time.

[0101] The third reason is that it makes it easier to track transactions and reduces risks such as fraud and money laundering. By allowing specific functions to be set in smart contracts, it becomes possible to simplify compliance with laws and regulations. For example, by incorporating logic into smart contracts that allows for the selection and setting of compliance check processes in accordance with the laws of each country, the process of determining whether a transaction is permissible and verifying compliance can be made more efficient.

[0102] However, in order to efficiently perform all functions on-chain, it is necessary in these financial systems to manage the concept of accounts themselves on-chain and automate transactions, including those conducted through DEXs (decentralized exchanges). Therefore, the inventors of this case believed it was necessary to implement decentralized accounts. Without implementing decentralized accounts, cross-border transactions could not be processed efficiently.

[0103] In cross-border transactions, credit is established between financial institutions in each country, but it is believed that the process of establishing credit can be made more efficient by adjusting the settings for access rights. Furthermore, if smart contracts of financial institutions in each country can verify the access rights settings between financial institutions, it is believed that the degree of freedom in transactions for accounts to which financial institutions provide credit will increase, and automated financial processing can also be realized.

[0104] Therefore, the inventors of this case believed that it would be more effective to set up cross-border transactions using decentralized accounts with a real-time protected digital asset guard service provision system than to set up cross-border transactions using the DID concept (which is difficult to address, such as the implementation regulations of the FATF's Travel Rule).

[0105] The inventors, after combining the strategies derived from the above considerations and studies, and after further consideration and studies, have developed a personal financial transaction-related information management system with decentralized accounts that can preserve digital assets (basically) consisting of small-capacity data linked to personal information in real time, strongly and efficiently protect important information such as confidential information and personal information from high-level cyberattacks and physical destruction, manage information related to individual customers' financial transactions while executing those transactions immediately and automatically, and furthermore, efficiently process cross-border transactions.

[0106] The personal financial transaction-related information management system equipped with a decentralized account of the present invention is constructed with a decentralized ledger in blockchain or other distributed ledger technology, and a smart contract or server application for performing predetermined processing using data managed in the decentralized ledger, and manages information related to individual customers' financial transactions while protecting personal information and other data that is difficult to manage in a system from high-level cyberattacks mainly on-chain, and enables the automatic execution of individual customers' financial transactions after receiving transaction instructions from customers, and is a personal financial transaction-related information management system equipped with a decentralized account that transmits authentication information of an individual customer to an external customer authentication system, receives authentication of the individual customer by the external customer authentication system and acquires the individual customer's KYC information, and is a KYC information acquisition means that forms an identifier of the individual customer that is uniquely linked to the individual customer's KYC information acquired by the KYC information acquisition means A means for generating a unified ID for personal use; a means for managing personal identification information for authentication of an authenticated person for managing personal identification information necessary for the authentication of an authenticated person; a financial institution authentication system that performs two or more individual authentications against a financial institution that manages a decentralized account of an individual customer as an authenticated person, based on the personal identification information for authentication of an authenticated person managed by the means for managing personal identification information for authentication of an authenticated person; a means for creating a record for customer KYC information management that includes KYC information of an individual customer who has opened a decentralized account with a financial institution, a personal unified ID linked to the individual customer, and date and time information of when the financial institution confirmed or provided the individual customer's KYC information; the number of the individual customer's decentralized account managed by the financial institution, the personal unified ID linked to the individual customer who has opened a decentralized account with the financial institution, and AML / CFT (Anti-Money Laundering) by the financial institution in the individual customer's decentralized account managed by the financial institution. A means for creating customer risk assessment information management records, which create customer risk assessment information management records that include information on laundering / counting the finances of trouble, compliance information, credit information, and other customer risk assessment information for the individual customer, and information on the date and time when the financial institution confirmed or provided the said customer risk assessment information.A means for creating access rights setting information management records, which include the financial institution code included in the account number of a customer individual managed by a financial institution that has access rights to customer risk assessment information of a specific individual in a distributed account managed by a financial institution based on a personal unified ID, the personal unified ID linked to the customer individual to whom the access rights are to be exercised, the financial institution code included in the account number of the customer individual managed by the financial institution to whom the access rights are to be exercised, and the expiration date for the exercise of the access rights by the financial institution that has the access rights; and means for creating access rights setting information management records, which include the financial institution code included in the account number of a customer individual managed by a financial institution that has access rights to customer risk assessment information of a specific individual in a distributed account managed by a financial institution that has access rights to customer risk assessment information of a specific individual based on a personal unified ID, the personal unified ID linked to the customer individual to whom the access rights are to be exercised, the financial institution code included in the account number of a customer individual managed by a financial institution that has access rights to customer risk assessment information of a specific individual in a distributed account The system includes a first agreement information acquisition means for acquiring first agreement information based on multiple authentications for the execution of predetermined processes, including the backup, restoration, and deletion processes of predetermined information management records among the records, and a customer KYC information management record preservation area for preserving customer individual KYC information management records created by the customer KYC information management record creation means, a customer risk assessment information management record preservation area for preserving customer risk assessment information management records created by the customer risk assessment information management record creation means, and an access rights setting information management record preservation area for preserving access rights setting information management records created by the access rights setting information management record creation means, and performs meaningless processing on the predetermined information management records among the customer KYC information management records, customer risk assessment information management records, and access rights setting information management records by combining polynomial secret sharing encryption processing and a processing method based on first agreement information by two or more individual authentications to financial institutions managing the customer individual's decentralized account, andAn information management record backup system manages files sorted into multiple security points, distributed to each information management record security area corresponding to each information management record, and manages the index information of the distributed files by encrypting it. This system combines polynomial secret sharing encryption processing with a processing method based on first consensus information obtained through two or more individual authentications for financial institutions managing distributed accounts of individual customers, thereby performing meaningless processing. The files are sorted into multiple security points, distributed to each information management record security area corresponding to each information management record, and the index information of the distributed files is managed by encrypting it. For each group of file data associated with the information of each security point, the index information of the file data is decrypted, and based on the decrypted index information, the files are distributed and managed in their respective information management record security areas. A real-time digital asset guard service provision system having an information management record restoration system that extracts the file data, performs semantic processing on the extracted, meaningless file data, and restores it to the predetermined information management record among the customer KYC information management record, customer risk assessment information management record, and access rights setting information management record before backup; a decentralized account opening acceptance means provided on a predetermined blockchain to which each financial institution is connected to the real-time digital asset guard service provision system, which accepts applications for opening decentralized accounts from customers for each financial institution; a decentralized account setting and recording means that sets up a decentralized account for the individual customer at the financial institution and records it on the predetermined blockchain based on the acceptance of an application for opening a decentralized account from a customer by the decentralized account opening acceptance means; and a personal financial transaction related information recording means that records information related to the individual customer's financial transactions, such as transaction information, asset status information, and contract information, linked to the decentralized account, on the predetermined blockchain.The system includes an information management record access control means that controls the access of a financial institution managing a decentralized account of a customer who has access rights in the access rights setting information management record restored by the information management record restoration system, among the customer KYC information management records and customer risk assessment information management records restored by the information management record restoration system, so that the financial institution managing the customer's decentralized account can access only the information management records in the customer's decentralized account managed by the financial institution that is subject to the exercise of access rights. This configuration allows the financial institution managing the customer's decentralized account to manage information related to the customer's financial transactions, such as transaction information, contract information, and asset status information, as confidential information, through the customer's KYC information and customer risk assessment information for the customer that are stored in the customer KYC information management record preservation area, the customer risk assessment information management record preservation area, and the access rights setting information management record preservation area.

[0107] If the personal financial transaction-related information management system equipped with decentralized accounts of the present invention is configured to include means for acquiring KYC information and means for generating a unified personal ID, it becomes possible to acquire an identifier linked to the customer's KYC information while guaranteeing the authenticity of the customer as the person being authenticated.

[0108] Furthermore, if the personal financial transaction-related information management system equipped with decentralized accounts according to the present invention is configured to include a means for managing identity verification information for authenticating the person to be authenticated and a financial institution authentication system, it becomes possible to guarantee the authenticity of the financial institution that manages the decentralized accounts of individual customers who are the persons to be authenticated.

[0109] Furthermore, if the personal financial transaction-related information management system equipped with distributed accounts according to the present invention is configured to include means for creating records for managing customer KYC information, financial institutions will no longer need to manage individual customer KYC information within their own systems by having the customer KYC information management records managed by a real-time protected digital asset guard service provider. This eliminates the risk of individual customer KYC information leaking from the systems of individual financial institutions.

[0110] Furthermore, if the personal financial transaction-related information management system equipped with distributed accounts according to the present invention is configured to include means for creating records for managing customer risk assessment information, financial institutions will no longer need to manage customer risk assessment information for individual customers within their own systems by having the customer risk assessment information management records managed by a real-time protected digital asset guard service provider. This eliminates the risk of customer risk assessment information for individual customers leaking from the systems of individual financial institutions.

[0111] Furthermore, if the personal financial transaction-related information management system equipped with distributed accounts according to the present invention is configured to include means for creating records for managing access rights setting information, financial institutions will no longer need to manage access rights setting information within their own systems by having the access rights setting information management records managed by the real-time protected digital asset guard service provider system. This eliminates the risk of access rights setting information leaking from the systems of individual financial institutions. Furthermore, when exercising access rights, it will be possible to access the customer's individual KYC information linked to their unified personal ID, as well as customer risk assessment information for the individual customer linked to their unified personal ID and financial institution code.

[0112] Furthermore, if the personal financial transaction-related information management system equipped with distributed accounts according to the present invention is configured to include a first consent information acquisition means, it becomes possible to obtain consent information regarding the execution of predetermined processes, including the saving, restoration, and deletion of predetermined information management records among the customer KYC information management records, customer risk assessment information management records, and access rights setting information management records linked to the individual customer, by the certifier, which is a financial institution that manages the individual customer's distributed accounts, while guaranteeing the authenticity of the certifier.

[0113] Furthermore, if the system is configured to include a real-time protected digital asset guard service provision system, such as the personal financial transaction-related information management system equipped with distributed accounts of the present invention, by combining polynomial secret sharing encryption processing with a processing method based on consensus information based on multiple authentications by multiple authenticaters or a single authenticater who has received multiple authentications (which complements the polynomial secret sharing encryption processing), it becomes possible to protect data while simultaneously avoiding analysis of the data's destination address and index information, thereby realizing PQC (post-quantum cryptography) and solving the challenges of protecting personal information. Specifically, the records for managing customer KYC information of individual customers, records for managing customer risk assessment information by financial institutions, and records for managing access rights setting information are subjected to meaninglessness processing, which encrypts and fragments the data itself, and sorts it into multiple protection points. Therefore, even if a third party is able to access the data at a designated security point, it is impossible not only to restore the customer's individual KYC information management record, the financial institution's customer risk assessment information management record, and the access rights setting information management record, but it is also impossible for them to recognize that the data at the designated security point is part of the customer's individual KYC information management record, the financial institution's customer risk assessment information management record, or the access rights setting information management record. Furthermore, the real-time digital asset protection service provision system makes it possible to manage personal information in a form that does not constitute personal information. This is achieved by using polynomial data mosaicization and polynomial secret sharing encryption to render the data meaningless, making the process irreversible. Additionally, by cutting the index information that records where the meaningless information is managed, the link to the actually managed information is severed, effectively making it equivalent to deleting the relevant information. Furthermore, since it can be made impossible for anyone other than those with authority (those who form the agreed-upon information through a processing method based on a two-way agreement on data preservation) to re-ensure and restore this meaningless information, it becomes possible to satisfy the requirements for enforceability against third parties.

[0114] Furthermore, if the personal financial transaction-related information management system equipped with decentralized accounts according to the present invention is configured to include decentralized account opening acceptance means and decentralized account setting and recording means, it becomes possible to realize the setting of decentralized accounts for individual customers at financial institutions.

[0115] Furthermore, if the personal financial transaction-related information management system equipped with decentralized accounts according to the present invention is configured to include means for recording personal financial transaction-related information, financial institutions will be able to manage information regarding individuals' financial transactions on-chain via decentralized accounts.

[0116] Furthermore, if the personal financial transaction-related information management system equipped with a distributed account according to the present invention is configured to include information management record access control means, it becomes possible to restrict access to information management records in a customer's distributed account managed by a financial institution to only those information management records in that customer's distributed account managed by a financial institution that are subject to the exercise of access rights by the financial institution managing the customer's distributed account that has access rights.

[0117] Furthermore, if a financial institution managing a customer's decentralized account, such as the personal financial transaction-related information management system equipped with decentralized accounts of the present invention, is configured to manage the customer's KYC information and customer risk assessment information for that customer as confidential information via the customer's KYC information and customer risk assessment information for that customer, which are stored in the customer KYC information management record preservation area, the customer risk assessment information management record preservation area, and the access rights setting information management record preservation area, then the customer's KYC information and customer risk assessment information for that customer are preserved in the information management record preservation area of ​​the real-time protected digital asset guard service provision system in a meaningless state that cannot be deciphered by third parties, and are linked to a personal unified ID. Therefore, by not including information that identifies an individual customer in financial transaction information such as transaction information, contract information, and asset status information, and by adding a decentralized account number and a personal unified ID and managing it on-chain, the information directly managed in decentralized accounts set up within the financial institution's system can be configured as information that does not identify an individual customer, making it possible to prevent the leakage of personally identifiable information even in the event of a cyberattack from a third party.

[0118] Furthermore, in the personal financial transaction-related information management system equipped with a decentralized account of the present invention, preferably, the real-time protected digital asset guard service provision system has at least one distributed ledger structure composed of multiple chains, which may include a group of distributed ledgers or a public blockchain, and is constructed by having multiple planets consisting of a group of nodes that combine nodes in multiple locations in different regions around the world (a unit that combines blockchain and file distributed management functions, etc., and constitutes a unit that constitutes a system for providing services that implement decentralized smart contracts, server applications, etc.), and the information management record backup system has a customer individual KYC information management record created by the customer KYC information management record creation means acquired by the first consensus information acquisition means, and customer risk assessment information management created by the customer risk assessment information management record creation means. Based on a first agreement information regarding the execution of backup processing of at least one of the information management records, including the customer KYC information management record, the customer risk assessment information management record, and the access rights setting information management record created by the access rights setting information management record creation means, an encryption / polynomial partitioning means divides the information management record to be backed up, including the customer KYC information management record, the customer risk assessment information management record, and the access rights setting information management record, into multiple file data by encryption / polynomial secret sharing; a security point sorting means sorts the multiple file data divided by the encryption / polynomial partitioning means into one of multiple security points; a security point sorting destination information management means manages the destination information of the file data sorted by the security point sorting means in a black box environment; and modifies 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 that, for file data exceeding the block size, distributes and records the data in respective information management record preservation areas corresponding to the respective information management records of multiple nodes in a distributed management file group separate from the blockchain, and an index information creation, encryption, and recording means that creates and encrypts index information of the file data distributed and recorded by the modification and distributed recording means, and records it in a specific node of the blockchain under a black box environment. The information management record restoration system is performed on at least one of the information management records, which are acquired by the first agreement information acquisition means, and which are created by the customer KYC information management record creation means, the customer risk assessment information management record created by the customer risk assessment information management record creation means, and the access rights setting information management record created by the access rights setting information management record creation means. Based on the first agreement information regarding the execution of the restoration process of at least one of these information management records, a meaningless processing is performed, and the information management records corresponding to each information management record are sorted into multiple preservation points. The Customer KYC Information Management Record, Customer Risk Assessment Information Management Record, and Access Rights Setting Information Management Record are distributed and managed in a distributed area, and the index information for the distributed files is encrypted and managed. 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, the index information of the file data recorded in the Index Information Creation, Encryption, and Recording Means decrypts the index information of the file data recorded in the Index Information Creation, Encryption, and Recording Means. Based on the index information decrypted by the Index Information Decryption Means, the file data is extracted from multiple nodes of the distributed management files of the security destination blockchain corresponding to the file data and multiple nodes of a distributed management file separate from the blockchain, and restored to its pre-modification state. The fragmented file data extracted by the File Data Extraction Means is integrated and decrypted to restore the Customer KYC Information Management Record, Customer Risk Assessment Information Management Record, and Access Rights Setting Information Management Record to their pre-backup state.The system comprises a data recovery means for restoring the access rights setting information management record, and further comprises a first agreement information for executing a deletion process of at least one of the information management records, which is created by the customer KYC information management record creation means obtained by the first agreement information acquisition means, the customer risk assessment information management record created by the customer risk assessment information management record creation means, and the access rights setting information management record created by the access rights setting information management record creation means, and for each group of file data associated with the information of each said security point managed in a black box environment by the security point sorting destination information management means, the system decrypts the index information of the file data recorded in the index information creation, encryption, and recording means during the deletion process. The information management record deletion system comprises: a DEX information decryption means; a file data deletion means that deletes the modified and distributed recorded file data from a predetermined generation prior to the file data, 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 storage destination corresponding to the file data and multiple nodes of a distributed management file separate from the blockchain; and a second information management record deletion system comprising: a second file data deletion means that deletes the information of the storage point associated with the file data to be deleted, which is managed in a black box environment by the storage point sorting destination information management means, based on first agreement information regarding the execution of deletion processing of digital data associated with an individual, obtained by the first agreement information acquisition means.

[0119] With this configuration, it becomes possible to implement a real-time digital asset guarding service provision system that manages personal information in a form that is not personal information. This is achieved by making the process of mosaicizing data using polynomials and the polynomial secret sharing encryption process that renders the data meaningless irreversible in the management of personal information, and 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.

[0120] Furthermore, in the personal financial transaction-related information management system equipped with a decentralized account of the present invention, preferably, the information management record access control means comprises: an information management record access right token generation means that generates an information management record access right token that grants access rights to the information management record in the decentralized account of a customer who has access rights, which is managed by a financial institution that is subject to the exercise of access rights by the financial institution that manages the decentralized account of the customer who has access rights, among the customer KYC information management record and customer risk assessment information management record restored by the information management record restoration system; and an information management record access right token sending means that sends the information management record access right token generated by the information management record access right token generation means to the address of the financial institution that manages the decentralized account of the customer who has access rights. This configuration makes it possible to implement a means for granting access rights to information management records.

[0121] Furthermore, in the personal financial transaction-related information management system equipped with a decentralized account of the present invention, preferably, a second agreement information acquisition means for acquiring second agreement information based on multiple authentications regarding the exercise of the right to access to information management records in the decentralized account of the customer individual managed by the financial institution that is subject to the exercise of the right to access to information management records, using the information management record access rights token of the financial institution that is subject to the exercise of the right to access to information management records, and based on the second agreement information acquired by the second agreement information acquisition means, first agreement information regarding the execution of restoration processing of the customer KYC information management record and the customer risk assessment information management record in the decentralized account of the customer individual managed by the financial institution that is subject to the exercise of the right to access to information management records, is assumed to have been acquired by the first agreement information acquisition means, and the index information decryption means, the file data extraction means, and the data restoration means are activated to perform restoration processing of the customer individual managed by the financial institution that is subject to the exercise of the right to access to information management records, The system includes an access control means for restoring the information management record restoration system to restore the customer KYC information management record and the customer risk assessment information management record in the decentralized account before they were evacuated, and the information management record access control means comprises an accessable information management record copying means for copying the customer KYC information management record and the customer risk assessment information management record in the decentralized account of the customer individual managed by the financial institution subject to the exercise of the access rights, which were restored by the access control means for restoring the customer KYC information management record and the customer risk assessment information management record in the decentralized account of the customer individual managed by the financial institution subject to the exercise of the access rights, which were evacuated before they were evacuated, and an accessable information management record sending means for sending the customer KYC information management record and the customer risk assessment information management record in the decentralized account of the customer individual managed by the financial institution subject to the exercise of the access rights, which were copied by the accessable information management record copying means, to the address of the financial institution that manages the decentralized account of the customer individual having the access rights and exercised the access rights using the information management record access rights token. This configuration makes it possible to implement a means of exercising access rights to information management records.

[0122] Furthermore, in the personal financial transaction-related information management system equipped with decentralized accounts of the present invention, preferably, the information management record access control means is configured to include authentication information sending means for sending predetermined information to the address of the financial institution that manages the decentralized account of the customer individual subject to the exercise of access rights, which is the financial institution that exercised the access rights using the information management record access rights token, between multiple authenticaters authenticated by the financial institution authentication system, or to one authenticater authenticated by multiple authenticaters, in the access rights setting information management record restored by the information management record restoration system, which forms the basis of the first agreement information based on multiple authentications for the execution of the restoration process of the customer KYC information management record and the customer risk assessment information management record acquired by the first agreement information acquisition means. This configuration makes it possible to implement other means for exercising access rights to information management records.

[0123] Furthermore, in the personal financial transaction-related information management system equipped with a decentralized account according to the present invention, it is preferably configured to include an information management record access right token invalidation means for invalidating the information management record access right token sent to the address of a financial institution having access rights when the expiration date for exercising the access rights by a financial institution having access rights in the information management record access right token generated by the information management record access right token generation means has passed. This configuration makes it possible to prevent access to information management records whose access rights have expired.

[0124] Furthermore, the personal financial transaction-related information management system equipped with a decentralized account of the present invention preferably includes a linking smart contract that has a linking function that links the KYC information of an individual who has opened a decentralized account with the financial institution and the financial institution's customer risk assessment information for the individual's decentralized account in the individual's decentralized account managed by the financial institution, which is contained in the individual's transaction information, asset status information, and contract information, which are information related to the individual's financial transactions, and the individual's unified personal ID linked to the individual, with the financial institution's customer risk assessment information for the individual's decentralized account managed by the financial institution. With this configuration, financial institutions can process individual financial transactions based on the individual customer's KYC information and customer risk assessment information, without managing any information that identifies the individual customer in the transaction information, contract information, and asset status information managed in the decentralized accounts. This is achieved by linking the KYC information of an individual customer who has opened a decentralized account with the customer risk assessment information conducted by the financial institution in that individual customer's decentralized account managed by the financial institution.

[0125] Furthermore, in the personal financial transaction-related information management system equipped with decentralized accounts of the present invention, preferably, the decentralized account opening acceptance means has an authentication information input screen that accepts the input of a My Number and password when an individual customer applies to open a decentralized account with a financial institution, and the KYC information acquisition means is configured to transmit the My Number and password of the individual customer entered on the authentication information input screen as authentication information of the individual customer to an external customer authentication system, and to receive the KYC information of the individual customer from the external customer authentication system. This configuration makes it possible to obtain individual customer KYC information when customers apply to open decentralized accounts with financial institutions.

[0126] Furthermore, in the personal financial transaction-related information management system equipped with a distributed account according to the present invention, preferably, the customer KYC information management record further includes the customer's individual My Number, and further includes a personal unified ID inquiry receiving means that receives inquiries for a personal unified ID using the customer's individual My Number in a real-time protected digital asset guard service provision system by a financial institution that has received the customer's consent, and a personal unified ID acquisition means that, in response to the receipt of an inquiry for a personal unified ID by the personal unified ID inquiry receiving means, semantizes (restores (decrypts and integrates)) the customer KYC information management record of the customer that is recorded in a meaningless state (decomposed (encrypted and distributed)) in the customer KYC information management record preservation area of ​​the real-time protected digital asset guard service provision system, extracts the customer's personal unified ID from the semantized customer KYC information management record, and obtains the personal unified ID. With this configuration, the unified personal ID can be linked to the My Number (Social Security Number) via the customer's KYC information recorded by adding the unified personal ID to the customer KYC information protection area in the real-time protected digital asset guard service provision system. As a result, financial institutions can manage the unified personal ID without being aware of whether it is linked to an individual customer, and they can eliminate the need for financial institutions managing decentralized accounts to manage personal identification attribute information such as name, address, and date of birth as KYC information for individual customers via the unified personal ID, thereby increasing the security strength of the management of individual customer KYC information.

[0127] Furthermore, in the personal financial transaction-related information management system equipped with decentralized accounts of the present invention, preferably, the number of a decentralized account of an individual customer managed by the financial institution consists of a financial institution code, a branch code, and an account number. This configuration allows for the linking of customer personal information managed by a financial institution to a real-time digital asset guard service provision system, via the customer's decentralized account number managed by the financial institution. More specifically, by obtaining a customer's unified personal ID, it becomes possible to link it, along with the financial institution code, to access rights setting information management records managed within the real-time digital asset guard service provision system.

[0128] Furthermore, in the personal financial transaction-related information management system equipped with a decentralized account of the present invention, preferably, a smart contract for receiving access rights setting instructions has the function of receiving instructions from financial institutions that have already opened decentralized accounts for individual customers to each other regarding the setting of access rights for customer risk assessment information of each financial institution based on a unified personal ID, and based on the access rights setting instructions received by the smart contract for receiving access rights setting instructions, the smart contract for creating access rights setting information management records causes the smart contract for creating access rights setting instructions to create the smart contract for creating access rights setting information management records, and the first agreement information acquisition means transmits and exchanges predetermined information between multiple authenticated certifiers authenticated by the financial institution authentication system, or to one authenticater who has been authenticated by multiple certifiers, and the smart contract for creating access rights setting information management records The system is further configured to obtain first agreement information based on multiple authentications for executing the backup process of access rights setting information management records created by the creation means, to perform meaningless processing on the access rights setting information management records in the information management record backup system in the real-time protected digital asset guard service provision system, to distribute and manage the files sorted into multiple protection points in the respective information management record protection areas corresponding to each information management record, and to encrypt and manage the index information of the files to be distributed, thereby controlling the access rights setting processing for customer risk assessment information of each financial institution based on a personal unified ID. This configuration makes it possible to realize a means for creating records for managing access rights settings. Furthermore, financial institutions that have already opened decentralized accounts for individual customers can share customer risk assessment information based on the unified personal ID used in the decentralized accounts of specific individuals managed by each financial institution.

[0129] Furthermore, in the personal financial transaction-related information management system equipped with decentralized accounts of the present invention, preferably, the smart contract for receiving access rights setting instructions is configured to further have a function of receiving instructions from an individual customer to a financial institution that has already opened a decentralized account for that customer, to set the access rights to another financial institution that has already opened a decentralized account for that customer. With this configuration, financial institutions that have already opened decentralized accounts for individual customers can access customer risk assessment information based on the individual's unified personal ID in their decentralized accounts at other financial institutions, when the individual customer requests access rights.

[0130] Furthermore, the personal financial transaction-related information management system equipped with decentralized accounts of the present invention is preferably configured to allow a trading smart contract, which has the function of enabling individual customers to access decentralized accounts opened at financial institutions and conduct transactions on a DEX (decentralized exchange), to be provided to individual customers by a DEX (decentralized exchange) or other financial institutions. This configuration makes it possible to create a means for individual customers to conduct transactions on a DEX (decentralized exchange).

[0131] Furthermore, in the personal financial transaction-related information management system equipped with a decentralized account according to the present invention, preferably, the transaction information, asset status information, and contract information of an individual customer, which are information relating to an individual customer's financial transactions, are configured to include the decentralized account number of the individual customer managed by the financial institution and a personal unified ID linked to the individual customer. With this configuration, information relating to an individual customer's financial transactions—including transaction information, asset status information, and contract information—can be linked to customer KYC information management records and customer risk assessment information management records stored in the information management record storage area of ​​the real-time protected digital asset guard service provision system. This enables more efficient and faster transactions, as well as simplified compliance with legal regulations.

[0132] Furthermore, in the personal financial transaction-related information management system equipped with a decentralized account according to the present invention, preferably, there is a smart contract for managing personal unified ID-linked information that has the function of managing information linked to the personal unified ID, and the management record information access control means is configured to control access rights to the information linked to the personal unified ID by authentication between the personal unified ID-linked information management smart contracts. With this configuration, it becomes possible to expedite transactions by linking customer KYC information management records and customer risk assessment information management records, which are stored in the information management record preservation area of ​​the real-time protected digital asset guard service provision system, with the customer's transaction information, asset status information, and contract information, which are all information related to an individual customer's financial transactions.

[0133] Furthermore, in the personal financial transaction-related information management system equipped with decentralized accounts of the present invention, preferably, the linking smart contract is configured to have a linking function that links the KYC information of an individual who has opened a decentralized account with a financial institution with the customer risk assessment information of a financial institution between the decentralized accounts of an individual managed by a financial institution, which are related to the financial transactions of the individual customer and are contained in the individual customer's transaction information, asset status information, and contract information, and the individual's unified personal ID linked to the individual customer. This configuration makes it possible to link the KYC information of individual customers who have opened decentralized accounts with financial institutions, with the customer risk assessment information provided by those financial institutions across those decentralized accounts managed by the same individual.

[0134] Furthermore, in the personal financial transaction-related information management system equipped with a decentralized account of the present invention, it is preferably configured so that an individual customer can authenticate / access a decentralized account opened at a financial institution via the transaction smart contract provided by the financial institution, and, through the account information of the individual customer's decentralized account set up / managed by the financial institution, refer to their own information, such as transaction information, asset information, and contract information, which is recorded as financial institution-owned information on a conventional blockchain connected to each financial institution, and perform transaction activities. This configuration makes it possible to realize a processing method for conducting individual customer transactions through decentralized accounts opened at financial institutions.

[0135] Furthermore, the personal financial transaction-related information management system equipped with decentralized accounts of the present invention is preferably configured to include a compliance processing control smart contract that has a compliance processing control function based on the customer risk assessment information by each financial institution in the decentralized accounts of individual customers managed by that financial institution. With this configuration, in each customer's financial transactions, it becomes possible to adjust the amount of money to be sent based on the transfer limit, control whether or not to process transfers, and control whether or not to process transactions, based on the customer risk assessment information provided by each financial institution in the customer's decentralized account managed by that financial institution.

[0136] Therefore, according to the present invention, a personal financial transaction-related information management system with decentralized accounts is obtained that can preserve digital assets consisting of (basically) small-capacity data linked to personal information in real time, strongly and efficiently protect important information such as confidential information and personal information from high-level cyberattacks and physical destruction, manage information related to individual customers' financial transactions, execute individual customers' financial transactions immediately and automatically, and furthermore, efficiently process cross-border transactions. The embodiments for carrying out the present invention will be described below with reference to the drawings.

[0137] First Embodiment Figure 1 is a schematic diagram illustrating the overall configuration of a personal financial transaction-related information management system equipped with a distributed account according to the first embodiment of the present invention. The personal financial transaction-related information management system 1 equipped with a decentralized account according to the first embodiment is constructed with a decentralized ledger in blockchain or other distributed ledger technology, and a smart contract or server application for performing predetermined processing using data managed in the decentralized ledger. For example, as shown in Figure 1, it is configured to include a KYC information acquisition means 11, a personal unified ID generation means 12, an identity verification information management means 13 for authenticating the person to be authenticated, a financial institution authentication system 14, a record creation means 15 for managing customer KYC information, a record creation means 16 for managing customer risk assessment information, a record creation means 17 for managing access rights setting information, a first agreement information acquisition means 18, a decentralized account opening acceptance means 19, a decentralized account setting and recording means 20, a personal financial transaction-related information recording means 21, an information management record access control means 22, and a real-time protected digital asset guard service provision system 100.

[0138] KYC information acquisition method 11 The KYC information acquisition means 11 is configured to have the function of transmitting the customer's personal authentication information to an external customer authentication system 200, receiving authentication from the external customer authentication system 200, and acquiring the customer's personal KYC information, as shown in Figure 2, for example. More specifically, the KYC information acquisition means 11 is configured to transmit the customer's My Number and password, entered on the authentication information input screen, as the customer's authentication information to an external customer authentication system 200, and to receive the customer's KYC information from the external customer authentication system.

[0139] Personal unified ID generation means 12 The personal unified ID generation means 12 is configured to have the function of generating a personal unified ID that forms an identifier for the individual customer that is uniquely linked to the individual customer's KYC information acquired by the KYC information acquisition means 11, as shown in Figure 3, for example.

[0140] Authentication target person authentication information management method 13 The authentication information management means 13 for authenticating the person to be authenticated is configured to have a function for managing the identity verification information necessary for authenticating the person to be authenticated, as shown in Figure 4, for example.

[0141] Financial Institution Authentication System 14 The financial institution authentication system 14 is configured to have the function of performing two or more individual authentications for financial institutions that manage decentralized accounts of individual customers, as shown in Figure 5, based on the personal identification information for authentication of the person being authenticated managed by the personal identification information management means 13 for authentication of the person being authenticated.

[0142] Customer KYC information management record creation method 15 The customer KYC information management record creation means 15 is configured to have the function of creating a customer KYC information management record that includes, for example, the KYC information of an individual customer who has opened a distributed account with a financial institution, a personal unified ID linked to the individual customer, and date and time information of when the financial institution confirmed or provided the individual customer's KYC information, as shown in Figure 6. The records used for managing customer KYC information also contain the individual customer's My Number (social security number).

[0143] Customer risk assessment information management record creation means 16 The customer risk assessment information management record creation means 16 is configured to create a customer risk assessment information management record that includes, for example, as shown in Figure 7, the number of the decentralized account of an individual customer managed by the financial institution, a personal unified ID linked to the individual customer who opened a decentralized account with the financial institution, AML / CFT (Anti-Money Laundering / Counting the Financing of Terrorism) information, compliance information, credit information, and other customer risk assessment information for the individual customer provided by the financial institution in the individual customer's decentralized account managed by the financial institution, and date and time information of when the financial institution confirmed or provided the customer risk assessment information. The number for a decentralized account of an individual customer managed by a financial institution consists of a financial institution code, a branch code, and an account number.

[0144] Access rights setting information management record creation means 17 The access rights setting information management record creation means 17 is configured to create an access rights setting information management record that includes, for example, as shown in Figure 8, the financial institution code included in the account number of the customer individual managed by a financial institution that has access rights to the customer risk assessment information of each financial institution in the distributed accounts of a specific individual managed by a financial institution based on a personal unified ID, the personal unified ID associated with the customer individual to whom the access rights are to be exercised, the financial institution code included in the account number of the customer individual managed by the financial institution to which the access rights are to be exercised, and the expiration date for the exercise of the access rights by the financial institution that has the access rights.

[0145] First means for obtaining agreement information 18 The first agreement information acquisition means 18 is configured to have the function of acquiring first agreement information based on multiple authentications for the execution of predetermined processes, including the backup, restoration, and deletion of predetermined information management records, among the customer KYC information management records created by the customer KYC information management record creation means 15, the customer risk assessment information management records created by the customer risk assessment information management record creation means 16, and the access rights setting information management records created by the access rights setting information management record creation means 17, as shown in Figure 9, for example, by transmitting and exchanging predetermined information between multiple certifiers authenticated by the financial institution authentication system 14, and by the single certifier who has received multiple authentications.

[0146] Decentralized account opening application method 19 The decentralized account opening acceptance means 19 is provided on a predetermined blockchain to which each financial institution is connected to the real-time protected digital asset guard service provision system 100, as shown in Figure 10, and is configured to have the function of accepting applications from customers for the opening of decentralized accounts for each financial institution. More specifically, the decentralized account opening application method 19 is configured to include an authentication information input screen that accepts the input of a My Number and password when an individual customer applies to open a decentralized account with a financial institution.

[0147] Decentralized account setup and recording means 20 The decentralized account setup and recording means 20 is configured to have the function of setting up a decentralized account for an individual customer at the financial institution and recording it on the predetermined blockchain, based on the receipt of an application for opening a decentralized account from a customer by the decentralized account opening acceptance means 19, for example, as shown in Figure 11.

[0148] Personal financial transaction-related information recording means 21 The personal financial transaction-related information recording means 21 is configured to record, for example, as shown in Figure 12, information relating to the financial transactions of an individual customer, such as transaction information, asset status information, and contract information, linked to a decentralized account, on the predetermined blockchain.

[0149] Information management record access control means 22 The information management record access control means 22 is configured, for example as shown in Figure 13, to control access so that financial institutions managing the decentralized accounts of individual customers who have access rights in the access rights setting information management records restored by the information management record restoration system 130, among the customer KYC information management records and customer risk assessment information management records restored by the information management record restoration system 130 described later, can only access the information management records in the decentralized accounts of those individual customers managed by the financial institution that is subject to the exercise of access rights.

[0150] More specifically, the information management record access control means 22 is configured to include, for example, an information management record access rights token generation means 22a and an information management record access rights token sending means 22b, as shown in Figure 14.

[0151] Information management record access rights token generation means 22a The information management record access rights token generation means 22a is configured to generate an information management record access rights token that grants access rights to information management records in the decentralized accounts of individual customers managed by financial institutions that are subject to the exercise of access rights by financial institutions, among the customer KYC information management records and customer risk assessment information management records restored by the information management record restoration system 130, specifically for customer KYC information management records and customer risk assessment information management records.

[0152] Information management record access rights token sending method 22b The information management record access rights token sending means 22b is configured to have the function of sending the information management record access rights token generated by the information management record access rights token generation means 22a to the address of the financial institution that manages the decentralized account of the individual customer who has access rights, as shown in Figure 16, for example.

[0153] Furthermore, the personal financial transaction-related information management system 1 equipped with a distributed account according to the first embodiment is configured to further include, for example, a second agreement information acquisition means 23 and a record restoration control means 24 for managing information subject to the exercise of access rights, as shown in Figure 17.

[0154] Second means for obtaining consent information 23 The second agreement information acquisition means 23 is configured to have the function of transmitting and exchanging predetermined information between multiple certifiers authenticated by the financial institution authentication system 14, or to one certifier who has been authenticated by multiple certifiers, as shown in Figure 18, and acquiring second agreement information based on multiple authentications regarding the exercise of the right to access to information management records in the decentralized account of a customer individual managed by the financial institution that is the target of the exercise of the right to access, using an information management record access right token by the financial institution that manages the decentralized account of the customer individual who has the right to access.

[0155] Record restoration control means 24 for managing information subject to access rights exercise The access rights exercise target information management record restoration control means 24 is configured to control the information management record restoration system 130 to restore the customer KYC information management record and customer risk assessment information management record in the distributed account of the customer individual managed by the financial institution subject to the exercise of access rights, to the state before backup, by operating the index information decryption means 131, file data extraction means 132, and data restoration means 133, which will be described later, based on the second agreement information obtained by the second agreement information acquisition means 23, for example, as shown in Figure 19.

[0156] Furthermore, the information management record access control means 22 is configured to include, for example, an accessible information management record copying means 22c and an accessible information management record sending means 22d, as shown in Figure 20.

[0157] Accessible information management record copy means 22c The Accessible Information Management Record Copying Means 22c is configured, for example as shown in Figure 21, to copy the customer KYC information management records and customer risk assessment information management records from the distributed accounts of the individual customer managed by the financial institution that are subject to the exercise of access rights, which have been restored by the Access Rights Exercise Target Information Management Record Restoration Control Means 24, before they were evacuated.

[0158] Accessible information management record sending means 22d The Accessible Information Management Record Sending Means 22d, for example as shown in Figure 22, is configured to send the customer KYC information management records and customer risk assessment information management records in the decentralized account of the customer individual managed by the financial institution that is the target of the exercise of access rights, which have been copied by the Accessible Information Management Record Copying Means 22c, to the address of the financial institution that manages the decentralized account of the customer individual who has access rights and exercised the access rights using an information management record access rights token.

[0159] Furthermore, the information management record access control means 22 is configured to include, for example, an authentication information sending means 22e, as shown in Figure 23.

[0160] Authentication information transmission means 22e The authentication information sending means 22e is configured to send predetermined information to the address of the financial institution that manages the decentralized account of the customer individual who has the right to exercise the right, using an information management record right to exercise the right, in the access rights setting information management record restored by the information management record restoration system 130, which forms the basis of the first agreement information based on multiple authentications for the execution of the restoration process of the customer KYC information management record and the customer risk assessment information management record acquired by the first agreement information acquisition means 18, between multiple authenticaters authenticated by the financial institution authentication system 14, or to one authenticater who has received multiple authentications, using an information management record right to exercise the right.

[0161] Furthermore, the information management record access control means 22 is configured to control access rights to information linked to a personal unified ID by performing authentication between the personal unified ID-linked information management smart contracts 31, which will be described later, as shown in Figure 25.

[0162] Furthermore, the personal financial transaction-related information management system 1 equipped with a decentralized account according to the first embodiment is configured to include, for example, a means for invalidating information management record access rights tokens 25, a linking smart contract 26, a means for receiving personal unified ID inquiries 27, a means for obtaining personal unified IDs 28, a smart contract for receiving access rights setting instructions 29, a smart contract for controlling access rights setting 30, and a smart contract for managing personal unified ID-linked information 31, as shown in Figure 26.

[0163] Information management record access rights token invalidation method 25 The information management record access rights token invalidation means 25 is configured, for example as shown in Figure 27, to invalidate the information management record access rights token sent to the address of a financial institution that has access rights in the information management record access rights token generated by the information management record access rights token generation means 22a when the expiration date for exercising access rights by the financial institution that has access rights has passed.

[0164] Linking smart contract 26 The linking smart contract 26 is configured to have a linking function that links the KYC information of an individual who has opened a distributed account with a financial institution with the customer risk assessment information of the financial institution in the individual's distributed account managed by the financial institution, via the customer's individual distributed account number managed by the financial institution, which is contained in the customer's individual transaction information, asset status information, and contract information, which are information related to the customer's financial transactions, and the individual unified ID linked to the customer. Furthermore, the linking smart contract 26 is configured to have a linking function that links the KYC information of an individual who has opened a distributed account with a financial institution with the customer risk assessment information of a financial institution between the distributed accounts of that individual managed by multiple financial institutions, via the customer's individual distributed account number managed by the financial institution, which is contained in the customer's individual transaction information, asset status information, and contract information, which are information related to the customer's financial transactions, and the individual unified ID linked to the customer.

[0165] Personal Unified ID Inquiry Reception Method 27 The personal unified ID inquiry receiving means 27 is configured to have the function of receiving inquiries for a personal unified ID using the customer's My Number in the real-time protected digital asset guard service provision system 100 by a financial institution that has obtained the customer's consent, for example, as shown in Figure 29.

[0166] Personal unified ID acquisition method 28 The Personal Unified ID Acquisition Means 28, for example as shown in Figure 30, is configured to acquire a Personal Unified ID by receiving an inquiry for a Personal Unified ID from the Personal Unified ID Inquiry Reception Means 27. It has the function of semantizing (recovering (decrypting and integrating)) the customer's individual customer KYC information management record, which is recorded in a meaningless (decomposed (encrypted and distributed)) state in the customer KYC information management record preservation area of ​​the real-time preservation type digital asset guard service provision system 100, extracting the customer's individual Personal Unified ID from the semantized customer KYC information management record, and acquiring the Personal Unified ID.

[0167] Smart contract 29 for receiving access rights setting instructions The smart contract 29 for receiving access rights setting instructions is configured to have the function of receiving instructions from financial institutions that have already opened decentralized accounts for individual customers, for example, as shown in Figure 31, to set access rights to each financial institution's customer risk assessment information based on a unified personal ID. Furthermore, the smart contract 29 for receiving access rights setting instructions is configured to have a function to receive instructions from an individual customer to set access rights to another financial institution where an individual has already opened a decentralized account for that customer. Furthermore, the smart contract 29 for receiving access rights setting instructions is configured to also accept the setting of an expiration date for the said access rights in its function of receiving access rights setting instructions.

[0168] Smart contract 30 for controlling access rights settings The smart contract 30 for access rights setting control, for example as shown in Figure 32, causes the smart contract 29 for receiving access rights setting instructions to create an access rights setting information management record, based on the access rights setting instructions received by the smart contract 29 for receiving access rights setting instructions, to cause the smart contract 15 for creating an access rights setting information management record, to cause the first agreement information acquisition means 18 to transmit and exchange predetermined information between multiple certifiers authenticated by the financial institution authentication system 14, or to one certifier who has been authenticated by multiple certifiers, and based on multiple authentications for the execution of the backup process of the access rights setting information management record created by the smart contract 15 for creating access rights setting information management records. The system is configured to obtain the first agreement information, have the information management record backup system 110 (described later) in the real-time protected digital asset guard service provision system 100 perform meaningless processing on the access rights setting information management records, distribute and manage them as files sorted into multiple protection points in the respective information management record protection areas corresponding to each information management record, and encrypt and manage the index information of the files to be distributed. This is done by having the system control the access rights setting process for customer risk assessment information of each financial institution based on a unified personal ID.

[0169] Smart contract 31 for managing information linked to a unified personal ID. The smart contract 31 for managing information linked to a personal unified ID is configured to have a function for managing information linked to a personal unified ID, as shown in Figure 33, for example.

[0170] Furthermore, the personal financial transaction-related information management system 1 equipped with a decentralized account according to the first embodiment includes, for example, a trading smart contract 50 that can be provided to individual customers by a DEX (decentralized exchange) or other financial institutions, as shown in Figure 34.

[0171] 50 Smart Contracts for Trading The trading smart contract 50 is provided to individual customers by financial institutions and is configured to have the functionality to allow individual customers to access their existing decentralized accounts at financial institutions and conduct transactions on a DEX (decentralized exchange), as shown in Figure 35. More specifically, the trading smart contract 50 is configured to allow individual customers to authenticate / access a decentralized account they have opened with a financial institution, and to perform trading activities by referencing their own information, such as transaction information, asset information, and contract information, which is recorded as financial institution-owned information on the standard blockchain to which each financial institution is connected, through the account information of that individual customer's decentralized account set up / managed by the financial institution.

[0172] Furthermore, the personal financial transaction-related information management system 1 equipped with a decentralized account according to the first embodiment is configured to include a compliance processing control smart contract 51, as shown in Figure 36, for example.

[0173] Smart contract 51 for compliance processing control The compliance processing control smart contract 51 is configured, for example, as shown in Figure 37, to have a compliance processing control function based on customer risk assessment information by each financial institution in decentralized accounts of individual customers managed by that financial institution. Compliance processing controls include, for example, adjusting the amount of money to be sent based on a single transfer limit, controlling whether or not to process a transfer, and controlling whether or not to process a transaction.

[0174] Real-time digital asset protection service provision system 100 The real-time digital asset guard service provision system 100 includes a customer KYC information management record preservation area for preserving individual customer KYC information management records created by the customer KYC information management record creation means, a customer risk assessment information management record preservation area for preserving customer risk assessment information management records created by the customer risk assessment information management record creation means, and an access rights setting information management record preservation area for preserving access rights setting information management records created by the access rights setting information management record creation means. Furthermore, the real-time digital asset guard service provision system 100 includes, for example, an information management record backup system 110, an information management record restoration system 130, an information management record deletion system 150, and a second information management record deletion system 170, as shown in Figure 38.

[0175] Information management record backup system 110 The information management record backup system 110, for example as shown in Figure 39, combines polynomial secret sharing encryption processing with a processing method based on first consensus information obtained through two or more individual authentications of financial institutions managing individual distributed accounts of customers. This system performs meaningless processing on predetermined information management records among customer KYC information management records, customer risk assessment information management records, and access rights setting information management records. The records are then distributed and managed as files sorted into multiple preservation points in the respective information management record preservation areas corresponding to each information management record, and the system also has the function of encrypting and managing index information for the distributed files. More specifically, the information management record backup system 110 is configured to include, for example, an encryption / polynomial segmentation means 111, a preservation point sorting means 112, a preservation point sorting destination information management means 113, a modification / distributed recording means 114, and an index information creation / encryption / recording means 115, as shown in Figure 40.

[0176] Encryption / Polynomial Decomposition Method 111 The encryption / polynomial partitioning means 111 is configured to partition the information management records to be backed up from among the customer KYC information management records, customer risk assessment information management records, and access rights setting information management records, which are created by the customer KYC information management record creation means 15 acquired by the first agreement information acquisition means 18, into multiple file data using encryption / polynomial secret sharing, based on first agreement information regarding the execution of backup processing for at least one of the information management records, which are created by the customer KYC information management records, customer risk assessment information management records, and access rights setting information management records, which are created by the access rights setting information management records creation means 17.

[0177] Preservation point sorting method 112 The preservation point sorting means 112 is configured to sort multiple file data partitioned by the encryption / polynomial partitioning means 111 into one of multiple preservation points, as shown in Figure 42, for example.

[0178] Preservation point sorting destination information management means 113 The preservation point sorting destination information management means 113 is configured to have the function of managing the sorting destination information of file data sorted by the preservation point sorting means 112 in a black box environment, as shown in Figure 43, for example.

[0179] Modification / distributed recording means 114 The modification and distributed recording means 114 is configured to modify the file data sorted by the preservation point sorting means 115, as shown in Figure 44, for example, and to distribute and record the file data that does not exceed the block size in multiple nodes of a distributed management file group provided on the blockchain, and the file data that exceeds the block size in the respective information management record preservation areas corresponding to the respective information management records of multiple nodes of a distributed management file group separate from the blockchain.

[0180] Index information creation, encryption, and recording means 115 The index information creation, encryption, and recording means 115 is configured to have a function of creating and encrypting index information of file data distributedly recorded by the modification and distribution recording means 114 and recording it in a specific node of the blockchain in a black box environment, as shown in FIG. 45, for example.

[0181] Information management record recovery system 130 The information management record restoration system 130, as shown in FIG. 46, for example, is subjected to a meaningless processing by a combination of a polynomial secret sharing encryption process and a processing method based on the first consensus information by two or more personal authentications for a financial institution that manages a distributed account of a customer, and is distributedly managed in each information management record preservation area corresponding to each information management record as files sorted into a plurality of preservation points. At the same time, for the predetermined information management records among the customer KYC information management records, customer risk assessment information management records, and access right setting information management records, in which the index information about the distributedly managed files is encrypted and managed, for each group of the file data associated with the information of each of the preservation points, the index information of the file data is decrypted, and based on the decrypted index information, the file data distributedly managed in each information management record preservation area is extracted respectively, and a meaningful processing is performed on the plurality of file data in the meaningless processed state that has been extracted to restore it to the predetermined information management records among the customer KYC information management records, customer risk assessment information management records, and access right setting information management records before evacuation. More specifically, the information management record restoration system 130 is configured to have, for example, an index information decryption means 131, a file data extraction means 132, and a data restoration means 133, as shown in FIG. 47.

[0182] Index information decoding means 131 The index information decryption means 131, for example as shown in Figure 48, is configured to decrypt the index information of the file data recorded in the index information creation, encryption, and recording means 115 for each group of file data associated with the information of each said protection point, which is managed in a black box environment by the protection point sorting destination information management means 113, for each group of file data associated with the information of each said protection point, which is managed in a black box environment by the protection point sorting destination information management means 113, based on first agreement information regarding the execution of the restoration process of at least one of the information management records, which is created by the customer KYC information management record creation means 15 acquired by the first agreement information acquisition means 18, and which is distributed and managed in each information management record protection area corresponding to each information management record as files sorted into multiple protection points, and the index information of the customer KYC information management record, customer risk assessment information management record, and access rights setting information management record, which is managed in a black box environment by the protection point sorting destination information management means 113, for each group of file data associated with the information of each said protection point5.

[0183] File data extraction means 132 The file data extraction means 132 is configured, for example as shown in Figure 49, to extract the modified and distributed recorded file data from multiple nodes of the distributed management file of the blockchain that is the storage destination corresponding to the file data, and from multiple nodes of a distributed management file separate from the blockchain, based on the index information decoded by means 131, and to restore the file data to its state before modification.

[0184] Data recovery means 133 The data recovery means 133 is configured to integrate and decode multiple fragmented file data extracted by the file data extraction means 132, as shown in Figure 50, and restore them to the customer KYC information management record, customer risk assessment information management record, and access rights setting information management record as they were before backup.

[0185] More specifically, the information management record restoration system 130 is configured to have the function of restoring the customer KYC information management record, customer risk assessment information management record, and access rights setting information management record to their state before backup, based on first agreement information obtained by the first agreement information acquisition means 18, which is based on multiple authentications regarding the execution of the restoration process of the customer KYC information management record, customer risk assessment information management record, and access rights setting information management record, by operating the index information decoding means 131, file data extraction means 132, and data restoration means 133.

[0186] Information management record deletion system 150 The information management record deletion system 150 is configured, for example, as shown in Figure 52, to include an index information decoding means 151 during deletion processing and a file data deletion means 152.

[0187] Deletion process index information decryption means 151 The deletion-processing index information decryption means 151 is configured to decrypt the index information of the file data recorded in the index information creation, encryption, and recording means 115 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 113, based on first agreement information regarding the execution of deletion processing of at least one of the information management records, such as the customer KYC information management record created by the customer KYC information management record creation means 15 acquired by the first agreement information acquisition means 18, the customer risk assessment information management record created by the customer risk assessment information management record creation means 16, and the access rights setting information management record created by the access rights setting information management record creation means 17.

[0188] File data deletion means 152 The file data deletion means 152 is configured to delete a predetermined number of generations prior to the file data that has been modified and distributed, based on the index information decrypted by the deletion process index information decryption means 151, for example, as shown in Figure 54.

[0189] Second information management record deletion system 170 The second information management record deletion system 170 is configured to include a second file data deletion means 171, as shown in Figure 55, for example.

[0190] Second file data deletion means 171 The second file data deletion means 171 is configured to have a function of deleting information of the preservation point associated with the file data to be deleted, which is managed under the black box environment by the preservation point sorting destination information management means, based on the first consent information regarding the execution of the deletion process of the digital data associated with the individual acquired by the first consent information acquisition means 18, as shown in FIG. 56 for example.

[0191] By having such a configuration, the personal financial transaction related information management system 1 with a distributed account according to the first embodiment enables a financial institution managing the distributed account of a customer individual to manage information related to the financial transaction of the customer individual, such as the transaction information, contract information, and asset status information, as confidential information through the KYC information of the customer individual and the customer risk assessment information for the customer individual, which are stored in the record preservation areas for customer KYC information management, customer risk assessment information management, and access right setting information management. Note that the transaction information, asset status information, and contract information of the customer individual, which are information related to the financial transaction of the customer individual, are configured to have the distributed account number of the customer individual managed by the financial institution and the personal unified ID associated with the customer individual.

[0192] Processing flow using the personal financial transaction-related information management system 1 equipped with a distributed account according to the first embodiment (Figures 57) to (Figure 74) The flow of processing and the like using the personal financial transaction related information management system 1 with a distributed account according to the first embodiment configured as described above will be described while appropriately referring to the drawings.

[0193] (S1) Opening of decentralized accounts at financial institutions based on individual customer applications (Figure 57) (S1-1) Acceptance of applications for opening decentralized accounts The distributed account opening reception means 19 receives an application for opening a distributed account by inputting the my number and password on the authentication information input screen from the customer.

[0194] (S1-2) Setting up and recording decentralized accounts (Figure 57) The decentralized account setup and recording means 20 sets up a decentralized account for the individual customer at the financial institution based on the receipt of an application for opening a decentralized account from the customer by the decentralized account opening acceptance means 19, and records it on a predetermined blockchain to which each financial institution is connected to the real-time protected digital asset guard service provision system 100.

[0195] (S1-3) Acquisition of individual customer KYC information (Figure 57) The KYC information acquisition means 11 transmits the customer's My Number and password, entered on the authentication information input screen, to an external customer authentication system 200 as the customer's authentication information, and receives the customer's KYC information from the external customer authentication system.

[0196] (S1-4) Generation of a unified personal ID for each customer (Figure 57) The personal unified ID generation means 12 generates a personal unified ID that serves as an identifier for the individual customer, uniquely linked to the individual customer's KYC information acquired by the KYC information acquisition means 11.

[0197] (S2) Creation and backup of various information management records (Figure 58), (Figure 59) to (Figure 60), (Figure 61), (Figure 62) (S2-1) Creation and backup of records for customer KYC information management (Figure 58) (S2-1-1) Creation of records for customer KYC information management (Figure 58) The customer KYC information management record creation means 15 creates a customer KYC information management record that includes the KYC information of an individual customer who has opened a distributed account with a financial institution, a personal unified ID linked to the individual customer, and date and time information of when the financial institution confirmed or provided the individual customer's KYC information.

[0198] (S2-1-2) Two or more individual authentications for financial institutions managing decentralized accounts for individual customers (Figure 58) The financial institution authentication system 14 performs two or more individual authentications of financial institutions that manage decentralized accounts of individual customers, who are the persons to be authenticated, based on the personal identification information for authentication of persons managed by the personal identification information management means 13 for authentication of persons to be authenticated.

[0199] (S2-1-3) Acquisition of the first agreement information regarding the execution of the backup process for customer KYC information management records (Figure 58) The first agreement information acquisition means 18 transmits and exchanges predetermined information between multiple certifiers authenticated by the financial institution authentication system 14, or to one certifier who has received multiple certifications, and acquires first agreement information based on multiple certifications regarding the execution of the backup process of the customer's individual KYC information management record created by the customer KYC information management record creation means 15.

[0200] (S2-1-4) Backing up records for customer KYC information management (Figure 58) The information management record backup system 110 performs meaningless processing on customer KYC information management records by combining polynomial secret sharing encryption processing and a processing method based on first consensus information obtained through two or more individual authentications of financial institutions that manage decentralized accounts for individual customers. The records are then distributed and managed in the customer KYC information management record preservation area as files sorted into multiple preservation points, and index information for the distributed files is encrypted and managed.

[0201] (S2-2) Creation and backup of records for managing customer risk assessment information (Figures 59-60) (S2-2-1) Inquiry reception for unified personal ID (Figure 59) The personal unified ID inquiry receiving means 27 accepts inquiries regarding the personal unified ID using the customer's My Number in the real-time protected digital asset guard service provision system 100, which is provided by a financial institution with the customer's consent.

[0202] (S2-2-2) Obtaining a Personal Unified ID (Figure 59) The Personal Unified ID Acquisition Means 28, in response to the Personal Unified ID Inquiry Reception Means 27 receiving an inquiry for the Personal Unified ID, semantically transforms (restores (decrypts and integrates)) the customer's individual KYC information management record, which is recorded in a meaningless (decomposed (encrypted and distributed)) state in the customer KYC information management record preservation area of ​​the real-time protected digital asset guard service provision system 100, and extracts the customer's individual unified ID from the semantically transformed customer KYC information management record to acquire the Personal Unified ID.

[0203] (S2-2-3) Creation of records for managing customer risk assessment information (Figure 59) The customer risk assessment information management record creation means 16 creates a customer risk assessment information management record that includes the number of the customer's decentralized account managed by the financial institution, the personal unified ID linked to the customer who opened a decentralized account with the financial institution, AML / CFT (Anti-Money Laundering / Counting the Financing of Terrorism) information, compliance information, credit information, and other customer risk assessment information for the customer in the customer's decentralized account managed by the financial institution, and the date and time information of when the financial institution confirmed or provided the customer risk assessment information.

[0204] (S2-2-4) Two or more individual authentications for financial institutions managing decentralized accounts for individual customers (Figure 60) The financial institution authentication system 14 performs two or more individual authentications of financial institutions that manage decentralized accounts of individual customers, who are the persons to be authenticated, based on the personal identification information for authentication of persons managed by the personal identification information management means 13 for authentication of persons to be authenticated.

[0205] (S2-2-5) Obtaining the first agreement information regarding the execution of the backup process for records used for managing customer risk assessment information (Figure 60) The first agreement information acquisition means 18 transmits and exchanges predetermined information between multiple certifiers authenticated by the financial institution authentication system 14, or to one certifier who has received multiple certifications, and acquires first agreement information based on multiple certifications regarding the execution of the backup process of customer risk assessment information management records created by the customer risk assessment information management record creation means 16.

[0206] (S2-2-6) Backing up records for customer risk assessment information management (Figure 60) The information management record backup system 110 performs meaningless processing on customer risk assessment information management records by combining polynomial secret sharing encryption processing and a processing method based on first consensus information obtained through two or more individual authentications of financial institutions that manage decentralized accounts for individual customers. The records are then distributed and managed in the customer risk assessment information management record preservation area as files sorted into multiple preservation points, and index information for the distributed files is encrypted and managed.

[0207] (S2-3) Creation and backup of records for managing access rights settings (Figure 61), (Figure 62) (S2-3-1) Receipt of access rights setting instruction (Figure 61) The smart contract 29 for receiving access rights setting instructions accepts instructions from financial institutions that have already opened decentralized accounts for individual customers to mutually grant access rights to each financial institution's customer risk assessment information based on a unified personal ID. Furthermore, the smart contract 29 for receiving access rights setting instructions receives instructions from an individual customer to set access rights to another financial institution where the individual has already opened a decentralized account.

[0208] (S2-3-2) Setting access rights (Figure 61) The smart contract 30 for access rights setting control controls the access rights setting process for customer risk assessment information of each financial institution based on a personal unified ID, by causing the smart contract 29 for receiving access rights setting instructions to create an access rights setting information management record, causing the smart contract 29 for receiving access rights setting instructions to create an access rights setting information management record, causing the first agreement information acquisition means 18 to transmit and exchange predetermined information between multiple certifiers authenticated by the financial institution authentication system 14, or to one certifier who has been authenticated by multiple certifiers, causing the smart contract 29 for receiving access rights setting instructions to create an access rights setting information management record, causing the smart contract 30 for access rights setting control controls the access rights setting process for customer risk assessment information of each financial institution based on a personal unified ID, by causing the information management record backup system 110 in the real-time protected digital asset guard service provision system 100 to perform meaningless processing on the access rights setting information management record, distributing and managing the files as files sorted into multiple protection points in the respective information management record protection areas corresponding to each information management record, and encrypting and managing the index information of the files to be distributed.

[0209] (S2-3-2-1) Creation of a record for managing access rights settings (Figure 62) The access rights setting information management record creation means 17 creates an access rights setting information management record that includes the financial institution code included in the number of the customer individual's distributed account managed by a financial institution that has access rights to the customer risk assessment information of each financial institution in the distributed accounts of a specific individual managed by a financial institution based on a personal unified ID, the personal unified ID associated with the customer individual to whom the access rights are to be exercised, the financial institution code included in the number of the customer individual's distributed account managed by the financial institution to which the access rights are to be exercised, and the expiration date for the exercise of the access rights by the financial institution that has the access rights.

[0210] (S2-3-2-2) Two or more individual authentications for financial institutions managing decentralized accounts for individual customers (Figure 62) The financial institution authentication system 14 performs two or more individual authentications of financial institutions that manage decentralized accounts of individual customers, who are the persons to be authenticated, based on the personal identification information for authentication of persons managed by the personal identification information management means 13 for authentication of persons to be authenticated.

[0211] (S2-3-2-3) Obtaining the first agreement information regarding the execution of the backup process for records for managing access rights settings (Figure 62) The first agreement information acquisition means 18 transmits and exchanges predetermined information between multiple certifiers authenticated by the financial institution authentication system 14, or to one certifier who has received multiple certifications, and acquires first agreement information based on multiple certifications regarding the execution of the backup process of the access rights setting information management record created by the access rights setting information management record creation means 17.

[0212] (S2-3-2-4) Backing up records for managing access rights settings (Figure 62) The information management record backup system 110 performs meaningless processing on access rights setting information management records by combining polynomial secret sharing encryption processing and a processing method based on first consensus information obtained through two or more individual authentications of financial institutions that manage decentralized accounts for individual customers. It then distributes and manages these access rights setting information management records as files sorted into multiple preservation points in the access rights setting information management record preservation area, and encrypts and manages index information for the distributed files.

[0213] (S3) Exercise of access rights (Figure 63), (Figure 64), (Figure 65) The information management record access control means 22 controls, as follows, that among the customer KYC information management records and customer risk assessment information management records restored by the information management record restoration system 130, financial institutions that manage the decentralized accounts of individual customers who have access rights in the access rights setting information management records restored by the information management record restoration system 130 can only access the information management records in the decentralized accounts of those individual customers managed by the financial institution that is subject to the exercise of access rights. Furthermore, the information management record access control means 22 controls access rights to information linked to a personal unified ID by performing authentication between the personal unified ID-linked information management smart contract 31.

[0214] (S3-1) Exercise of access rights using an information management record access rights token (Figure 63) (S3-1-1) Generation of record access rights tokens for information management (Figure 63) The information management record access rights token generation means 22a generates an information management record access rights token that grants access rights to the information management records in the decentralized accounts of individual customers managed by financial institutions that are subject to the exercise of access rights by financial institutions that manage decentralized accounts of individual customers who have access rights in the access rights setting information management records restored by the information management record restoration system 130, among the customer KYC information management records and customer risk assessment information management records restored by the information management record restoration system 130.

[0215] (S3-1-2) Sending of record access rights token for information management (Figure 63) The information management record access rights token sending means 22b sends the information management record access rights token generated by the information management record access rights token generation means 22a to the address of the financial institution that manages the decentralized account of the individual customer who has access rights. This allows financial institutions that receive an information management record access rights token to access the information management records in the decentralized accounts of individual customers managed by the financial institution, by exercising the said information management record access rights token.

[0216] (S3-1-3) Exercise of rights using information management record access rights tokens (Figure 64), (Figure 65) (S3-1-3-1) Aspect 1 - Copying and sending of records for managing information subject to access rights exercise (Figure 64) (S3-1-3-1-1) Acquisition of second agreement information (Figure 64) The second agreement information acquisition means 23 transmits and exchanges predetermined information between multiple certifiers authenticated by the financial institution authentication system 14, or to one certifier who has been authenticated by multiple certifiers, and acquires second agreement information based on multiple authentications regarding the exercise of the right to access to information management records in the decentralized account of the customer individual managed by the financial institution that is the target of the exercise of the right to access the information management records of the customer individual managed by the financial institution that manages the decentralized account of the customer individual who has the right to access the information management record access right token.

[0217] (S3-1-3-1-2) Restoration control of records for managing information subject to access rights (Figure 64) The access rights exercise target information management record restoration control means 24, based on the second agreement information obtained by the second agreement information acquisition means 23, controls the information management record restoration system 130 to restore the customer KYC information management record and customer risk assessment information management record in the decentralized account of the customer individual managed by the financial institution subject to the exercise of access rights by the first agreement information acquisition means 18, to the state before the backup, by operating the index information decryption means 131, file data extraction means 132, and data restoration means 133, assuming that the first agreement information regarding the execution of the restoration process for the customer KYC information management record and customer risk assessment information management record in the decentralized account of the customer individual managed by the financial institution subject to the exercise of access rights has been obtained.

[0218] (S3-1-3-1-3) Copy of the record for managing accessible information (Figure 64) Accessible Information Management Record Copying Means 22c copies the customer KYC information management records and customer risk assessment information management records from the distributed accounts of the individual customer managed by the financial institution that are subject to the exercise of access rights, before they were evacuated, using the Access Rights Exercise Target Information Management Record Restoration Control Means 24.

[0219] (S3-1-3-1-4) Sending records for managing accessible information (Figure 64) The Accessible Information Management Record Sending Means 22d sends the Customer KYC Information Management Record and Customer Risk Assessment Information Management Record in the decentralized account of the customer individual managed by the financial institution that is the target of the exercise of access rights, which have been copied by the Accessible Information Management Record Copying Means 22c, to the address of the financial institution that manages the decentralized account of the customer individual who has access rights and exercised the access rights using the Information Management Record Access Rights Token. This allows financial institutions exercising access rights to access customer KYC information management records and customer risk assessment information management records in the decentralized accounts of the individual customer managed by the financial institution to which access rights are exercised.

[0220] (S3-1-3-2) Method 2 - Sending of authentication information (Figure 65) The authentication information sending means 22e sends predetermined information to the address of the financial institution that manages the decentralized account of the customer individual who has the right to exercise the right, and which exercised the right using an information management record right to exercise the right using an information management record right to exercise the right, in the access rights setting information management record restored by the information management record restoration system 130, which forms the basis of the first agreement information based on multiple authentications for the execution of the restoration process of the customer KYC information management record and the customer risk assessment information management record acquired by the first agreement information acquisition means 18. This information is either exchanged between multiple authenticaters authenticated by the financial institution authentication system 14, or to one authenticater who has received multiple authentications. As a result, the financial institution exercising the access rights can use the prescribed information sent by the financial institution managing the distributed accounts of the individual customer for whom the access rights are being exercised, to activate the information management record restoration system 130, thereby restoring and referencing the customer KYC information management records and customer risk assessment information management records in the distributed accounts of the individual customer managed by the financial institution for which the access rights are being exercised.

[0221] (S4) Specific processing flow by the real-time digital asset guard service provision system 100 (Figures 66-67, 68, 69, 70) (S4-1) Backup of information management records by the information management record backup system 110 (Figure 66) The information management record backup system 110 performs meaningless processing on predetermined information management records among customer KYC information management records, customer risk assessment information management records, and access rights setting information management records by combining polynomial secret sharing encryption processing and a processing method based on first consensus information obtained through two or more individual authentications of financial institutions that manage decentralized accounts for individual customers. The system distributes and manages these records as files sorted into multiple preservation points in the respective information management record preservation areas corresponding to each information management record, and also encrypts and manages index information for the distributed files.

[0222] (S4-1-1) Encryption and polynomial partitioning of information management records (Figure 66) The encryption / polynomial partitioning means 111, based on first agreement information regarding the execution of backup processing for at least one of the information management records among the customer KYC information management records, customer risk assessment information management records created by the customer KYC information management record creation means 15 acquired by the first agreement information acquisition means 18, customer risk assessment information management records created by the customer risk assessment information management record creation means 16, and access rights setting information management records created by the access rights setting information management record creation means 17, partitions the information management records to be backed up among the customer KYC information management records, customer risk assessment information management records, and access rights setting information management records into multiple file data by encryption / polynomial secret sharing.

[0223] (S4-1-2) Sorting to conservation points (Figure 66) The preservation point sorting means 112 sorts the multiple file data that have been separated by the encryption / polynomial division means 111 by associating them with one of the multiple preservation points.

[0224] (S4-1-3) Modified and distributed records (Figure 67) The modification and distributed recording means 114 modifies the file data sorted by the preservation point sorting means 115 and distributes the file data that does not exceed the block size to multiple nodes of a distributed management file group established on the blockchain, and the file data that exceeds the block size to the respective information management record preservation areas corresponding to the respective information management records of multiple nodes of a distributed management file group separate from the blockchain.

[0225] (S4-1-4) Creation, encryption, and recording of index information (Figure 67) The index information creation, encryption, and recording means 115 creates and encrypts index information for file data that is distributed and recorded by the modification and distributed recording means 114, and records it on a specific node of the blockchain in a black box environment.

[0226] (S4-2) Restoration of information management records by the information management record restoration system 130 (Figure 68), (Figure 69) The information management record recovery system 130 performs a meaningless processing on the files, which are sorted into multiple preservation points and distributed and managed in the respective information management record preservation areas corresponding to each information management record. The index information for the distributed files is encrypted and managed for each of the predetermined information management records, including customer KYC information management records, customer risk assessment information management records, and access rights setting information management records. For each group of file data associated with the information at each preservation point, the system decrypts the index information of the file data. Based on the decrypted index information, it extracts the file data distributed in the respective information management record preservation areas. The system then performs a meaningless processing on the extracted, meaningless file data to restore the predetermined information management records, including customer KYC information management records, customer risk assessment information management records, and access rights setting information management records, to their state before backup. More specifically, the information management record restoration system 130 transmits and exchanges predetermined information between multiple certifiers authenticated by the financial institution authentication system 14, or to one certifier who has received multiple authentications. Based on the first agreement information obtained by the first agreement information acquisition means 18, which is based on multiple authentications regarding the execution of the restoration process of the customer KYC information management record, customer risk assessment information management record, and access rights setting information management record, the system operates the index information decoding means 131, file data extraction means 132, and data restoration means 133 to restore the customer KYC information management record, customer risk assessment information management record, and access rights setting information management record to their state before backup.

[0227] (S4-2-1) Decoding of index information (Figure 69) The index information decryption means 131, based on the first agreement information regarding the execution of the restoration process for at least one of the information management records—the customer KYC information management record created by the customer KYC information management record creation means 15 acquired by the first agreement information acquisition means 18, the customer risk assessment information management record created by the customer risk assessment information management record creation means 16, and the access rights setting information management record created by the access rights setting information management record creation means 17—performs a meaningless processing and distributes them as files sorted into multiple preservation points, managing them in the respective information management record preservation areas corresponding to each information management record. The index information for the customer KYC information management record, customer risk assessment information management record, and access rights setting information management record, which are managed in an encrypted format by the preservation point sorting destination information management means 113, decrypts the index information of the file data recorded in the index information creation, encryption, and recording means 115 for each group of file data associated with the information of each preservation point managed in a black box environment.

[0228] (S4-2-2) Extraction of file data (Figure 69) The file data extraction means 132 extracts the modified and distributed file data from multiple nodes of the distributed management file on the blockchain where the file data is stored, and from multiple nodes of a distributed management file on a separate system from the blockchain, based on the index information decoded by

[0229] (S4-2-3) Data recovery (Figure 69) The data recovery means 133 integrates and decrypts the fragmented file data extracted by the file data extraction means 132 and restores it to the customer KYC information management record, customer risk assessment information management record, and access rights setting information management record as they were before backup.

[0230] (S4-3) Deletion and invalidation of information management records by the information management record deletion system 150 and the second information management record deletion system 170 (Figure 70) The deletion and invalidation of information management records are performed when the date and time information of the information management record becomes outdated and is no longer needed for management by the system.

[0231] (S4-3-1) Decryption of index information during deletion process (Figure 70) The deletion process index information decryption means 151 decrypts the index information of the file data recorded in the index information creation, encryption, and recording means 115 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 113, based on the first agreement information regarding the execution of the deletion process of at least one of the information management records, which is created by the customer KYC information management record creation means 15 obtained by the first agreement information acquisition means 18, the customer risk assessment information management record created by the customer risk assessment information management record creation means 16, and the access rights setting information management record created by the access rights setting information management record creation means 17.

[0232] (S4-3-2) Deleting file data (Figure 70) The file data deletion means 152 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 index information decoded by the deletion processing index information decoded by the

[0233] (S4-3-3) Deletion of the second file data (Figure 70) The second file data deletion means 171 deletes the information of the preservation point associated with the file data to be deleted, which is managed in a black box environment by the preservation point sorting destination information management means, based on the first agreement information regarding the execution of the deletion process of digital data associated with an individual, which was obtained by the first agreement information acquisition means 18. This will render the data recorded on the blockchain unextractable and invalid.

[0234] (S5)~(S8) Flow of other processes (Figures 71, 72, 73, 74) (S5) Invalidation of information management record access rights tokens whose access rights have expired (Figure 71) The information management record access rights token invalidation means 25 invalidates the information management record access rights token sent to the address of a financial institution that has access rights when the expiration date for exercising access rights by a financial institution that has access rights in the information management record access rights token generated by the information management record access rights token generation means 22a has passed.

[0235] (S6) Processing related to individual customer transactions using decentralized accounts (Figures 72, 73, and 74) (S6-1) Trading on a DEX (Decentralized Exchange) (Figure 72) Individual customers authenticate / access their decentralized accounts at financial institutions through transaction smart contracts 50 provided by the financial institutions, and conduct transactions by referencing their own information, such as transaction information, asset information, and contract information, which is recorded as financial institution-owned information on the standard blockchains to which each financial institution is connected, through the account information of their decentralized accounts set up and managed by the financial institution.

[0236] (S7) Linking individual customer KYC information with customer risk assessment information (Figure 73) The linking smart contract 26 links the KYC information of an individual who has opened a decentralized account with a financial institution with the customer risk assessment information of the financial institution in the decentralized account of that individual, which is managed by the financial institution and contains the customer's decentralized account number managed by the financial institution and which is contained in the customer's transaction information, asset status information, and contract information, which are information related to the customer's financial transactions, and the individual unified ID associated with that individual. Furthermore, the linking smart contract 26 links the KYC information of an individual who has opened a distributed account with a financial institution with the customer risk assessment information of a financial institution across the distributed accounts of that individual managed by multiple financial institutions, via the customer's individual transaction information, asset status information, and contract information, which are related to the customer's financial transactions, and the individual's unified personal ID associated with that individual.

[0237] (S8) Compliance processing control based on customer risk assessment information in transactions (Figure 74) The compliance processing control smart contract 51 controls compliance processing based on customer risk assessment information provided by each financial institution in decentralized accounts of individual customers managed by that financial institution. Compliance processing controls include, for example, adjusting the amount of money to be sent based on a single transfer limit, controlling whether or not to process a transfer, and controlling whether or not to process a transaction.

[0238] Specific examples of managing personal financial transaction-related information at each processing stage using the personal financial transaction-related information management system 1 equipped with a distributed account according to the first embodiment (Figures 75) to (Figure 81) Here, a specific example of the management of personal financial transaction-related information at each processing stage using the personal financial transaction-related information management system 1 equipped with a distributed account according to the first embodiment will be explained with reference to the diagrams. In this example, for convenience, we will refer to individual customers as "Individual A" and financial institutions as "Bank B," "Bank C," "Bank D," and "Bank E."

[0239] (SS1) Decentralized account opening stage At the stage of opening a distributed account with Bank B, Bank C, Bank D, and Bank E by Individual A, the distributed account is set up via the distributed account opening reception means 19 and the distributed account setting and recording means 20. In this example, assume that the numbers of Individual A's distributed accounts at each of the opened banks are as follows (Fig. 75). <Number of Individual A's distributed account at the B branch of Bank B> Financial institution code: "0001", branch code: "001", account number: "1234567" <Number of Individual A's distributed account at the C branch of Bank C> Financial institution code: "0002", branch code: "002", account number: "1234567" <Number of Individual A's distributed account at the D branch of Bank D> Financial institution code: "0003", branch code: "003", account number: "1234567" <Number of Individual A's distributed account at the E branch of Bank E> Financial institution code: "0004", branch code: "004", account number: "1234567"

[0240] Also, at the stage of opening the distributed account, the KYC information of Individual A is obtained via the external customer authentication system 20 and the KYC information acquisition means 11. In this example, assume that the KYC information of Individual A is as follows (Fig. 76). <KYC information of Individual A> Name: "Aoyama Akira", Address: "〇〇-ku, □□-machi, △-△-△, Tokyo", Date of birth: "19YY.MM.DD", My Number: "000987654321"

[0241] Also, at the stage of opening the distributed account, a unified personal ID uniquely linked to the KYC information of Individual A is generated via the unified personal ID generation means 12. In this example, assume that the unified personal ID of Individual A is as follows (Fig. 76). <Unified personal ID of Individual A> "DSS-ID-1"

[0242] Also, at the stage of opening a distributed account, a record for managing customer KYC information of individual A is created via the record creation means 15 for managing customer KYC information. In this example, assume that the record for managing customer KYC information of individual A is as follows (Fig. 77). <Record for Managing Customer KYC Information of Individual A> Individual A's personal unified ID: "DSS-ID-1", individual A's KYC information: "Aoyama Akira", "XX Ward, XX City, Tokyo", "19YY.MM.DD", "000987654321", final confirmation date and time: "2024.MX.DX"

[0243] Next, the record for managing customer KYC information of individual A is distributed and managed in the record preservation area for managing customer KYC information via the financial institution authentication system 14, the first agreement information acquisition means 18, and the record backup system 110 for information management. At this time, the record for managing customer KYC information of individual A is encrypted and segmented by subjecting it to a meaningless processing, and is divided into a plurality of preservation points. Therefore, even if a third party can refer to the data of a predetermined preservation point, it is impossible to restore the record for managing customer KYC information of individual A. Needless to say, it is impossible to recognize that the data of a predetermined preservation point is a part of the record for managing customer KYC information of individual A, and the data is in a state where it is impossible to recognize this.

[0244] (SS2) Creation and backup of records for customer risk assessment information management The processing at the stage of creating and backing up the record for managing customer risk assessment information is independently performed by Bank B, Bank C, Bank D, and Bank E as appropriate based on the customer risk assessment information of each financial institution after individual A opens a distributed account. In this example, assume that the customer risk assessment information of individual A by Bank B, Bank C, Bank D, and Bank E is as follows (Fig. 78). <Customer Risk Assessment Information of Individual A by Bank B> AML information: "BXXXA", compliance information: "BYYYA", credit information: "BZZZA" <Customer Risk Assessment Information of Individual A by Bank C> AML Information: "CXXXA", Compliance Information: "CYYYA", Credit Information: "CZZZA" <Customer Risk Assessment Information of Individual A by Bank D> AML Information: "DXXXA", Compliance Information: "DYYYA", Credit Information: "DZZZA" <Customer Risk Assessment Information of Individual A by Bank E> AML Information: "EXXXA", Compliance Information: "EYYYA", Credit Information: "EZZZA"

[0245] First, the unified personal ID "DSS-ID-1" of Individual A is obtained through the unified personal ID inquiry reception means 27 and the unified personal ID acquisition means 28. In this example, when inquiring about the unified personal ID by the unified personal ID inquiry reception means 27, the personal number "000987654321" of Individual A is used.

[0246] Next, a record for managing customer risk assessment information is created through the record creation means 16 for managing customer risk assessment information. In this example, assume that the customer risk assessment information of Individual A by each bank and the record for managing the customer risk assessment information of Individual A are as follows (Figure 79). <Record for Managing Customer Risk Assessment Information of Individual A in Bank B> Unified personal ID of Individual A: "DSS-ID-1", Numbers of the distributed accounts of Individual A in Branch B of Bank B: "0001", "001", "1234567", Customer risk assessment information of Individual A: "BXXXA", "BYYYA", "BZZZA", Final confirmation date and time: "2024.M1.D1" <Record for Managing Customer Risk Assessment Information of Individual A in Bank C> Unified personal ID of Individual A: "DSS-ID-1", Numbers of the distributed accounts of Individual A in Branch C of Bank C: "0002", "002", "1234567", Customer risk assessment information of Individual A: "CXXXA", "CYYYA", "CZZZA", Final confirmation date and time: "2024.M2.D2" <Record for Managing Customer Risk Assessment Information of Individual A at Bank D> Individual A's Personal Unified ID: "DSS-ID-1", Account Numbers of Individual A's Distributed Accounts at Branch D of Bank D: "0003", "003", "1234567", Individual A's Customer Risk Assessment Information: "DXXXA", "DYYYA", "DZZZA", Final Confirmation Date and Time: "2024.M3.D3" <Record for Managing Customer Risk Assessment Information of Individual A at Bank E> Individual A's Personal Unified ID: "DSS-ID-1", Account Numbers of Individual A's Distributed Accounts at Branch E of Bank E: "0004", "004", "1234567", Individual A's Customer Risk Assessment Information: "EXXXA", "EYYYA", "EZZZA", Final Confirmation Date and Time: "2024.M4.D4"

[0247] Next, through the financial institution authentication system 14, the first agreement information acquisition means 18, and the record backup system 110 for information management, the record for managing the customer risk assessment information of Individual A is distributed and managed in the record preservation area for customer risk assessment information. At this time, the record for managing the customer risk assessment information of Individual A is encrypted and segmented by meaningless processing, and is sorted into multiple preservation points. Therefore, even if a third party can refer to the data of a predetermined preservation point, it is impossible to restore the record for managing the customer risk assessment information of Individual A. Needless to say, it is impossible to recognize that the data of a predetermined preservation point is part of the record for managing the customer risk assessment information of Individual A, and the data is in a state where it is impossible to do so.

[0248] (SS3) Creation and backup of records for managing access rights settings information The process of creating and backing up access rights setting information records is carried out after the creation and backing up of customer risk assessment information records, by receiving mutual access rights setting instructions among financial institutions that have opened individual customer decentralized accounts, or by receiving instructions from individual customers to financial institutions that have opened individual customer decentralized accounts, to set access rights to other financial institutions that have opened individual customer decentralized accounts. In this example, when customer A sends an instruction to bank B to set access rights to bank B and bank C, the creation and backup of access rights setting information records will be performed. First, an instruction to set access rights is received via the smart contract 29 for receiving access rights setting instructions. Next, under the control of the smart contract 30 for controlling access rights settings, an access rights setting information management record is created via the access rights setting information management record creation means 15. In this example, the record for managing access rights settings is assumed to be as follows (Figure 80). <Access rights setting information management record - Record 1> Financial institution holding access rights: "0001", Unified ID of the individual to be accessed: "DSS-ID-1", Financial institution to be accessed: "0001" <Access rights setting information management record - 2nd record> Financial institution holding access rights: "0001", Unified ID of the individual to be accessed: "DSS-ID-1", Financial institution to be accessed: "0002"

[0249] Next, the access rights setting information management records are distributed and managed in the access rights setting information management record preservation area via the financial institution authentication system 14, the first agreement information acquisition means 18, and the information management record backup system 110. At this time, the access rights setting information management records are encrypted and fragmented by an invalidation process, and are sorted into multiple preservation points. Therefore, even if a third party is able to access the data at a predetermined preservation point, it is impossible to restore the access rights setting information management records, and it is even impossible for them to recognize that the data at a predetermined preservation point is part of the access rights setting information management records.

[0250] (SS4) Recording stage of information regarding individual customer financial transactions Information relating to individual A's financial transactions, including transaction information, asset status information, and contract information, is recorded on a predetermined blockchain via the personal financial transaction-related information recording means 21 after individual A opens a decentralized account. This record is then accompanied by the decentralized account number of the individual managed by each financial institution and a personal unified ID associated with the individual.

[0251] (SS5) Financial transaction stage of individual customers using decentralized accounts Individual A authenticates and accesses a decentralized account opened at a financial institution via a trading smart contract 50 provided by each financial institution on a DEX (decentralized exchange). Through the account information of the individual customer's decentralized account set up and managed by the financial institution, individual A refers to their own information, such as transaction information, asset information, and contract information, which is recorded as financial institution-owned information on the standard blockchain to which each financial institution is connected, and performs transactions. For convenience, in this example, we will assume that individual A has deposited digital assets into a decentralized account opened at Bank B and will transfer (transfer) them to a decentralized account opened at Bank C.

[0252] (SS5-1) Obtaining a Personal Unified ID for Individual A First, at Bank B, with the consent of individual A, individual A's My Number "000987654321" is used, and individual A's Unified Personal ID "DSS-ID-1" is obtained via the Unified Personal ID Inquiry Reception Method 27 and the Unified Personal ID Acquisition Method 28.

[0253] (SS5-2) Obtaining a record access rights token for information management Next, an information management record access rights token is obtained via the information management record access rights token generation means 22a and the information management record access rights token sending means 22b. In this example, the access rights setting information management record restored by the information management record restoration system 130 based on the first agreement information from Bank B is as follows (Figure 80). <Access rights setting information management record - Record 1> Financial institution holding access rights: "0001", Unified ID of the individual to be accessed: "DSS-ID-1", Financial institution to be accessed: "0001" <Access rights setting information management record - 2nd record> Financial institution holding access rights: "0001", Unified ID of the individual to be accessed: "DSS-ID-1", Financial institution to be accessed: "0002" Therefore, in this example, Bank B is granted an information management record access rights token that grants access to the customer KYC management record of individual A, the customer risk assessment information management record of individual A in the decentralized account managed by Bank B, and the customer risk assessment information management record of individual A in the decentralized account managed by Bank C. In this example, the financial institutions that Bank B has access rights to in the access rights setting information management record are Bank B and Bank C. Therefore, Bank B is not granted access rights to the customer risk assessment information management record for individual A in the distributed accounts managed by Bank D and Bank E. Furthermore, in this example, only Bank B holds access rights in the access rights setting information management record, while Banks C, D, and E are not recorded as financial institutions holding access rights. Therefore, Bank C is not granted access rights to the customer risk assessment information management record for individual A in the distributed accounts managed by Bank B.

[0254] (SS5-3) Exercise of rights using information management record access rights tokens Next, via the second agreement information acquisition means 23, second agreement information is acquired based on multiple authentications regarding the exercise of access rights by Bank B, which has access rights, to the customer risk assessment information management record of individual A in the decentralized account managed by Bank C, which is the target of the exercise of access rights using the information management record access rights token. Then, via the access rights exercise target information management record restoration control means 24, the customer KYC information management record and customer risk assessment information management record in the decentralized account managed by Bank C, which is the target of the exercise of access rights, are restored before being evacuated, and sent via the accessible information management record copy means 22c and the accessible information management record sending means 22d to the address of Bank B, which exercised access rights using the information management record access rights token. Alternatively, via the authentication information sending means 22e, Bank C, which manages the decentralized account of individual A subject to the exercise of access rights, sends predetermined information to the address of Bank B, which exercised access rights using the information management record access rights token, regarding the exchange between multiple authenticaters authenticated by the financial institution authentication system 14, or to a single authenticater who has received multiple authentications. Then, Bank B uses the predetermined information from Bank C, which manages the decentralized account of individual A subject to the exercise of access rights, regarding the exchange between multiple authenticaters authenticated by the financial institution authentication system 14, or to a single authenticater who has received multiple authentications, to activate the information management record restoration system 130, thereby restoring the customer KYC information management record and the customer risk assessment information management record in the decentralized account of individual A managed by the financial institution subject to the exercise of access rights. As a result, Bank B can obtain the records for managing customer KYC information and the records for managing customer risk assessment information in the distributed accounts managed by Bank C, which are the targets for exercising access rights, before the transfer.

[0255] In this example, the records for managing customer KYC information and the records for managing customer risk assessment information that can be obtained by Bank B exercising its access rights are as follows (Figure 81). <Record for Managing Customer KYC Information of Individual A> Individual A's unified personal ID: "DSS-ID-1", Individual A's KYC information: "Aoyama Akira", "XX District, XX City, Tokyo △-△-△", "19YY.MM.DD", "000987654321", Final confirmation date and time: "2024.MX.DX" <Record for Managing Customer Risk Assessment Information of Individual A in Bank B> Individual A's unified personal ID: "DSS-ID-1", Account number of Individual A's distributed account in Branch B of Bank B: "0001", "001", "1234567", Individual A's customer risk assessment information: "BXXXA", "BYYYA", "BZZZA", Final confirmation date and time: "2024.M1.D1" <Record for Managing Customer Risk Assessment Information of Individual A in Bank C> Individual A's unified personal ID: "DSS-ID-1", Account number of Individual A's distributed account in Branch C of Bank C: "0002", "002", "1234567", Individual A's customer risk assessment information: "CXXXA", "CYYYA", "CZZZA", Final confirmation date and time: "2024.M2.D2"

[0256] (SS5-4) Linking individual customer KYC information with customer risk assessment information Next, the linking smart contract 26 links the distributed account numbers for individual A managed by Bank B, namely "0001", "001", and "1234567", which are contained in the transaction information, asset status information, and contract information of individual A, which are related to individual A's financial transactions, with the individual unified ID "DSS-ID-1" associated with individual A, namely "A-yama A-o", "Tokyo XX-ku □□-cho △-△-△", "19YY.MM.DD", and "000987654321", which are linked to the distributed account of individual A that Bank B has opened, with the customer risk assessment information by Bank B for individual A's distributed account managed by Bank B, namely "BXXXA", "BYYYA", and "BZZZA". Furthermore, the linking smart contract 26 links the KYC information of individual A who has opened a distributed account with Bank B, namely "A-yama A-o", "Tokyo XX-ku □□-cho △-△-△", "19YY.MM.DD", "000987654321", and the customer risk assessment information of Bank C between individual A's distributed accounts managed by Bank C, namely "CXXXA", "CYYYA", "CZZZA", which are contained in the transaction information, asset status information, and contract information of individual A managed by Bank B, and the personal unified ID "DSS-ID-1" associated with individual A.

[0257] (SS5-5) Compliance processing based on customer risk assessment information in transactions Next, compliance processing control is performed in the decentralized accounts of individual customers managed by each financial institution, based on customer risk assessment information provided by that financial institution, via the compliance processing control smart contract 51. In this example, when individual A moves (transfers) digital assets deposited in a decentralized account opened at bank B to a decentralized account opened at bank C via a smart contract 51 for compliance processing control, bank B performs compliance processing control based on individual A's customer risk assessment information "BXXXA", "BYYYA", and "BZZZA", and bank C performs compliance processing control based on individual A's customer risk assessment information "CXXXA", "CYYYA", and "CZZZA". Compliance processing controls could include, for example, adjusting the amount of money to be sent based on a single transfer limit, controlling whether or not to process a transfer, or controlling whether or not to process a transaction.

[0258] Effects of the personal financial transaction information management system 1 with decentralized accounts according to the first embodiment According to the personal financial transaction-related information management system 1 equipped with a distributed account of the first embodiment, it is configured to include "KYC information acquisition means 11 that transmits authentication information of an individual customer to an external customer authentication system 200, receives authentication of the individual customer by the external customer authentication system, and acquires the individual customer's KYC information," and "personal unified ID generation means 12 that generates a personal unified ID which constitutes an identifier of the individual customer that is uniquely linked to the individual customer's KYC information acquired by the KYC information acquisition means 11." Therefore, it is possible to acquire an identifier linked to the individual customer's KYC information while guaranteeing the authenticity of the individual customer as the person to be authenticated.

[0259] Furthermore, according to the personal financial transaction-related information management system 1 equipped with a decentralized account of the first embodiment, it is configured to include "a means for managing personal identification information for authenticating the person to be authenticated 13 that manages the personal identification information necessary for authenticating the person to be authenticated" and "a financial institution authentication system 14 that performs two or more individual authentications against the financial institution that manages the decentralized account of the customer as the person to be authenticated, based on the personal identification information for authenticating the person to be authenticated managed by the means for managing personal identification information for authenticating the person to be authenticated 13". Therefore, the authenticity of the financial institution that manages the decentralized account of the customer as the person to be authenticated can be guaranteed.

[0260] Furthermore, the personal financial transaction-related information management system 1 equipped with a distributed account according to the present invention is configured to include "a means for creating a customer KYC information management record that includes the KYC information of an individual customer who has opened a distributed account with a financial institution, a personal unified ID linked to the individual customer, and date and time information of when the financial institution confirmed or provided the individual customer's KYC information." By having the customer KYC information management record managed by the real-time protected digital asset guard service provision system 100, financial institutions no longer need to manage individual customers' KYC information within their own systems. Therefore, the risk of individual customers' KYC information leaking from the systems of individual financial institutions can be eliminated.

[0261] Furthermore, according to the personal financial transaction-related information management system 1 equipped with a distributed account of the present invention, it is configured to include "a means for creating a record for creating a customer risk assessment information management record, which includes the number of the distributed account of an individual customer managed by the financial institution, a personal unified ID linked to the individual customer who opened a distributed account with the financial institution, AML / CFT (Anti-Money Laundering / Counting the Financing of Terrorism) information, compliance information, credit information, and other customer risk assessment information for the individual customer in the distributed account of the individual customer managed by the financial institution, and date and time information of when the financial institution confirmed or provided the said customer risk assessment information." As such, by having the customer risk assessment information management record managed by the real-time protected digital asset guard service provision system 100, financial institutions no longer need to manage customer risk assessment information for individual customers within their own systems. Therefore, the risk of customer risk assessment information for individual customers leaking from the systems of individual financial institutions can be eliminated.

[0262] Furthermore, according to the personal financial transaction-related information management system 1 equipped with distributed accounts of the present invention, the system is configured to create an access rights setting information management record that includes "a financial institution code included in the number of the customer's distributed account managed by a financial institution that has access rights to the customer risk assessment information of each financial institution in the distributed account of a specific individual managed by a financial institution based on a personal unified ID, a personal unified ID linked to the customer subject to the exercise of access rights, a financial institution code included in the number of the customer's distributed account managed by the financial institution subject to the exercise of access rights, and the expiration date for the exercise of access rights by the financial institution that has the access rights." As such, by having the access rights setting information management record managed by the real-time protected digital asset guard service provision system 100, financial institutions no longer need to manage access rights setting information within their own systems. Therefore, the risk of access rights setting information leaking from the systems of individual financial institutions can be eliminated. Furthermore, when exercising access rights, it becomes possible to access the customer's individual KYC information linked to their personal unified ID, as well as customer risk assessment information for the individual customer linked to their personal unified ID and financial institution code.

[0263] Furthermore, according to the personal financial transaction-related information management system 1 equipped with a distributed account of the present invention, it is configured to "transmit and exchange predetermined information between multiple certifiers authenticated by the financial institution authentication system 14, or to one certifier who has received multiple authentications, and obtain first agreement information based on multiple authentications regarding the execution of predetermined information management records, including the backup, restoration, and deletion processes of predetermined information management records among the customer KYC information management records created by the customer KYC information management record creation means 15, the customer risk assessment information management records created by the customer risk assessment information management record creation means 16, and the access rights setting information management records created by the access rights setting information management record creation means 17," while guaranteeing the authenticity of the certifiers, it is possible to obtain agreement information regarding the execution of predetermined processes, including the backup, restoration, and deletion processes of predetermined information management records among the customer KYC information management records, customer risk assessment information management records, and access rights setting information management records linked to the individual customer, by the certifier, which is a financial institution managing the customer's distributed account, while guaranteeing the authenticity of the certifiers.

[0264] Furthermore, according to the personal financial transaction-related information management system 1 equipped with a distributed account of the present invention, "It includes a customer KYC information management record preservation area for preserving customer KYC information management records created by customer KYC information management record creation means 15, a customer risk assessment information management record preservation area for preserving customer risk assessment information management records created by customer risk assessment information management record creation means 16, and an access rights setting information management record preservation area for preserving access rights setting information management records created by access rights setting information management record creation means 17, and by combining polynomial secret sharing encryption processing and a processing method based on first consensus information by two or more individual authentications of the financial institution managing the customer's distributed account, it performs meaningless processing on predetermined information management records among customer KYC information management records, customer risk assessment information management records, and access rights setting information management records, and distributes and manages them as files sorted into multiple preservation points in the respective information management record preservation areas corresponding to each information management record, and files The system uses an information management record backup system 110 that encrypts and manages index information, and a processing method based on polynomial secret sharing encryption and a first consensus information based on two or more individual authentications for financial institutions that manage distributed accounts of individual customers, to perform meaningless processing, and the files are sorted into multiple preservation points and distributed and managed in the respective information management record preservation areas corresponding to each information management record. For each of the information management records among the customer KYC information management records, customer risk assessment information management records, and access rights setting information management records, whose index information is encrypted and managed for the distributed files, the index information of the file data linked to the information of each preservation point is decrypted, and based on the decrypted index information, the file data distributed and managed in the respective information management record preservation areas is extracted, and meaning-making processing is performed on the extracted multiple file data in a meaningless state to obtain the customer KYC information management records, customer risk assessment information management records, etc., before backup.The system is configured to include a "real-time digital asset guard service provision system 100" which has an information management record restoration system 130 that restores a predetermined information management record from among the access rights setting information management records. By combining polynomial secret sharing encryption processing with a processing method based on consensus information based on multiple authentications by multiple authenticators or one authenticator who has received multiple authentications (which complements the polynomial secret sharing encryption processing), it becomes possible to preserve data while simultaneously avoiding analysis of the data's destination address and index information, thereby realizing PQC (post-quantum cryptography) and solving the challenges of protecting personal information. Specifically, the customer KYC information management record for individual customers, the customer risk assessment information management record by financial institutions, and the access rights setting information management record are subjected to a meaningless processing process, which encrypts and fragments the data itself, and sorts it into multiple preservation points. Therefore, even if a third party were able to access the data at a designated security point, it would be impossible not only to recover the customer's individual KYC information management record, the financial institution's customer risk assessment information management record, and the access rights setting information management record, but it would also be impossible for them to recognize that the data at the designated security point is part of the customer's individual KYC information management record, the financial institution's customer risk assessment information management record, or the access rights setting information management record. Furthermore, the real-time digital asset guard service provision system 100 makes it possible to manage personal information in a form that does not involve personal information. This is achieved by using polynomial data mosaicization and polynomial secret sharing encryption to render the data meaningless, making the process irreversible. Additionally, by cutting the index information that records the management location of the rendered information, the link to the actually managed information is severed, effectively making it equivalent to deleting the relevant information. Furthermore, since it can be made impossible for anyone other than those with authority (those who form the agreed-upon information through a processing method based on a two-way agreement on data preservation) to re-ensure and restore this meaningless information, it becomes possible to satisfy the requirements for enforceability against third parties.

[0265] Furthermore, according to the personal financial transaction-related information management system 1 equipped with a decentralized account of the present invention, it is configured to include "a decentralized account opening acceptance means 19 provided on a predetermined blockchain to which each financial institution is connected to the real-time protected digital asset guard service provision system 100, which accepts applications for opening a decentralized account from customers for each financial institution" and "a decentralized account setting and recording means 20 that sets up a decentralized account for the individual customer at the financial institution and records it on a predetermined blockchain based on the acceptance of an application for opening a decentralized account from a customer by the decentralized account opening acceptance means 19", thereby enabling the setting up of a decentralized account for an individual customer at a financial institution.

[0266] Furthermore, according to the personal financial transaction-related information management system 1 equipped with a decentralized account of the present invention, it is configured to include "personal financial transaction-related information recording means 21 that records information related to the financial transactions of an individual customer, such as transaction information, asset status information, and contract information, linked to the decentralized account, on a predetermined blockchain," so that financial institutions can manage information related to an individual's financial transactions on-chain via the decentralized account.

[0267] Furthermore, according to the personal financial transaction-related information management system 1 equipped with a distributed account of the present invention, it is configured to include "information management record access control means 22 that controls the access of a financial institution that has access rights to the distributed account of an individual customer who has access rights to the access rights setting information management record restored by the information management record restoration system 130, among the customer KYC information management record and customer risk assessment information management record restored by the information management record restoration system 130, so that it can only access the information management records in the distributed account of the individual customer managed by the financial institution that is subject to the exercise of access rights." Therefore, when an individual customer conducts a financial transaction, it is possible to restrict access to the information management records in the distributed account of the individual customer managed by the financial institution that has access rights to only access the information management records in the distributed account of the individual customer managed by the financial institution that is subject to the exercise of access rights by the financial institution that manages the distributed account of the individual customer who has access rights.

[0268] Furthermore, according to the personal financial transaction-related information management system 1 equipped with distributed accounts of the present invention, "a financial institution managing a customer's distributed account can manage the customer's KYC information and customer risk assessment information for that customer as confidential information, through the customer's KYC information and customer risk assessment information for that customer, which are stored in the customer KYC information management record preservation area, the customer risk assessment information management record preservation area, and the access rights setting information management record preservation area." As a result, the customer's KYC information and customer risk assessment information for that customer are preserved in the information management record preservation area of ​​the real-time protected digital asset guard service provision system 100 in a meaningless state that cannot be deciphered by third parties, and are linked to a personal unified ID. Therefore, by not including information that identifies an individual customer in financial transaction information such as transaction information, contract information, and asset status information, and by adding a decentralized account number and a personal unified ID and managing it on-chain, the information directly managed in decentralized accounts set up within the financial institution's system can be configured as information that does not identify an individual customer, and even if a cyberattack is carried out by a third party, information that identifies an individual customer can be prevented from being leaked.

[0269] Furthermore, according to the personal financial transaction-related information management system 1 equipped with a decentralized account of the present invention, the real-time protected digital asset guard service provision system 100 has "at least one distributed ledger structure composed of multiple chains, including a group of distributed ledgers and a public blockchain, mainly consisting of a group of nodes (a unit that combines blockchain and file distributed management functions, etc., and constitutes a unit that constitutes a system for providing services that implement decentralized smart contracts, server applications, etc.) which is constructed by having multiple planets, which are groups of nodes that combine nodes in multiple locations in different regions around the world," and "the information management record backup system 110 has a customer individual KYC information management record created by the customer KYC information management record creation means 15 acquired by the first consensus information acquisition means 18, and a customer risk assessment information management record created by the customer risk assessment information management record creation means 16 Based on first agreed information regarding the execution of backup processing of at least one of the information management records among the access rights setting information management records created by the access rights setting information management record creation means 17, the encryption / polynomial partitioning means 111 divides the information management records to be backed up among the customer KYC information management records, customer risk assessment information management records, and access rights setting information management records into multiple file data by encryption / polynomial secret sharing, the security point sorting means 112 sorts the multiple file data divided by the encryption / polynomial partitioning means 111 into one of multiple security points, the security point sorting destination information management means 113 manages the sorting destination information of the file data sorted by the security point sorting means 112 in a black box environment, and modifies the file data sorted by the security point sorting means 112, and for file data that does not exceed the block size, multiple nodes of a distributed management file group established on the blockchain,For file data exceeding the block size, the system includes a modification / distributed recording means 114 that distributes and records the data in separate information management record preservation areas corresponding to the respective information management records of multiple nodes in a distributed file group separate from the blockchain, and an index information creation / encryption / recording means 115 th...

Claims

1. A personal financial transaction-related information management system equipped with a decentralized account, 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 manages information related to individual customers' financial transactions while protecting personal information and other data that is difficult to manage in a system from high-level cyberattacks, primarily on-chain, and enables the automatic execution of individual customers' financial transactions after receiving transaction instructions from customers, A means for acquiring KYC information that transmits the customer's personal authentication information to an external customer authentication system, receives authentication from the said external customer authentication system, and acquires the customer's personal KYC information, A personal unified ID generation means that generates a personal unified ID which is a unique identifier for a customer that is exclusively linked to the customer's KYC information acquired by the aforementioned KYC information acquisition means, A means for managing identity verification information for authentication of the person to be authenticated, and A financial institution authentication system that performs two or more individual authentications for a financial institution that manages decentralized accounts of individual customers as persons to be authenticated, based on the personal identification information for authentication of persons managed by the personal identification information management means for authentication of persons to be authenticated, A means for creating a customer KYC information management record, which includes the KYC information of an individual customer who has opened a distributed account with a financial institution, a personal unified ID linked to the individual customer, and the date and time information of when the financial institution confirmed or provided the individual customer's KYC information. A means for creating a record for managing customer risk assessment information, which creates a record for managing customer risk assessment information that includes the number of a decentralized account of an individual customer managed by a financial institution, a personal unified ID linked to the individual customer who opened a decentralized account with the financial institution, AML / CFT (Anti-Money Laundering / Counting the Financing of Terrorism) information, compliance information, credit information, and other customer risk assessment information for the individual customer in the decentralized account of the individual customer managed by the financial institution, and date and time information of when the financial institution confirmed or provided the said customer risk assessment information. Access rights setting information management record creation means for creating an access rights setting information management record that includes: a financial institution code included in the account number of a customer individual managed by a financial institution that has access rights to customer risk assessment information of each financial institution in a distributed account of a specific individual managed by a financial institution based on a personal unified ID; a personal unified ID linked to the customer individual to whom the access rights are to be exercised; a financial institution code included in the account number of the customer individual managed by the financial institution to whom the access rights are to be exercised; and the expiration date for the exercise of the access rights by the financial institution that has the access rights. A first agreement information acquisition means that transmits and exchanges predetermined information between multiple certifiers authenticated by the financial institution authentication system, or to one certifier who has been authenticated by multiple certifiers, and acquires first agreement information based on multiple authentications for the execution of predetermined information management records, including the backup, restoration, and deletion processes of predetermined information management records among the customer individual KYC information management record created by the customer KYC information management record creation means, the customer risk assessment information management record created by the customer risk assessment information management record creation means, and the access rights setting information management record created by the access rights setting information management record creation means. The system includes a customer KYC information management record preservation area for preserving customer individual KYC information management records created by the customer KYC information management record creation means, a customer risk assessment information management record preservation area for preserving customer risk assessment information management records created by the customer risk assessment information management record creation means, and an access rights setting information management record preservation area for preserving access rights setting information management records created by the access rights setting information management record creation means. An information management record backup system that combines polynomial secret sharing encryption processing with a processing method based on first consensus information obtained through two or more individual authentications of financial institutions managing decentralized accounts for individual customers, thereby performing meaningless processing on the predetermined information management records among the customer KYC information management records, customer risk assessment information management records, and access rights setting information management records, and distributes and manages them as files sorted into multiple preservation points in the respective information management record preservation areas corresponding to each information management record, and also encrypts and manages index information for the distributed files, A real-time digital asset guard service provision system having an information management record restoration system that, by combining polynomial secret sharing encryption processing and a processing method based on first consensus information obtained through two or more individual authentications for financial institutions managing decentralized accounts of individual customers, has been subjected to meaningless processing and distributed management in each information management record preservation area corresponding to each information management record, as files sorted into multiple preservation points, and index information for the distributed files is managed encrypted, decrypts the index information of the file data for each group of file data associated with the information of each preservation point, extracts the file data distributed in each information management record preservation area based on the decrypted index information, performs semantic processing on the extracted, meaningless file data, and restores it to the predetermined information management record among the customer KYC information management record, customer risk assessment information management record, and access rights setting information management record before backup, and A decentralized account opening acceptance means is provided on a predetermined blockchain to which each financial institution is connected, which accepts applications for opening decentralized accounts from customers at each financial institution. A decentralized account setup and recording means that, based on the acceptance of an application for opening a decentralized account from a customer by the decentralized account opening acceptance means, sets up a decentralized account for the individual customer at the financial institution and records it on the predetermined blockchain, A personal financial transaction-related information recording means that records information related to the financial transactions of the individual customer, such as transaction information, asset status information, and contract information, linked to the aforementioned decentralized account, on the aforementioned predetermined blockchain, Information management record access control means that controls the customer KYC information management record and customer risk assessment information management record restored by the information management record restoration system so that a financial institution managing the decentralized accounts of an individual customer who has the right to access the access rights in the access rights setting information management record restored by the information management record restoration system can only access the information management records in the decentralized accounts of that individual customer managed by the financial institution that is the target of the exercise of the right to access; It has, A personal financial transaction-related information management system equipped with decentralized accounts, characterized in that a financial institution managing decentralized accounts for individual customers can manage information relating to the customer's financial transactions, such as transaction information, contract information, and asset status information, as confidential information, through the customer's KYC information and customer risk assessment information for the customer, which are stored in the customer KYC information management record storage area, the customer risk assessment information management record storage area, and the access rights setting information management record storage area.

2. The aforementioned real-time digital asset guarding service provision system is A system built with multiple planets, each consisting of a group of nodes combining nodes in multiple locations across different regions worldwide, which combine blockchain and file distribution management functions, and which constitute a single unit for providing services that implement decentralized smart contracts and server applications, etc., primarily a closed blockchain such as a private or consortium type, and comprising at least one distributed ledger structure composed of multiple chains that may include distributed ledger groups and public blockchains, etc. The aforementioned information management record backup system is: Based on the first agreement information regarding the execution of backup processing for at least one of the information management records among the customer KYC information management record created by the customer KYC information management record creation means obtained by the first agreement information acquisition means, the customer risk assessment information management record created by the customer risk assessment information management record creation means, and the access rights setting information management record created by the access rights setting information management record creation means, the encryption and polynomial partitioning means partitions the information management record to be backed up among the customer KYC information management record, the customer risk assessment information management record, and the access rights setting information management record into multiple file data by encryption and polynomial secret sharing, A preservation point sorting means that sorts the multiple file data partitioned by the encryption / polynomial partitioning means into one of multiple preservation 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 modifies the file data sorted by the aforementioned preservation point sorting means, and for file data that does not exceed the block size, it is distributed and recorded in multiple nodes of a distributed management file group established on the blockchain, and for file data that exceeds the block size, it is distributed and recorded in the respective information management record preservation areas corresponding to the respective information management records of multiple nodes of a distributed management file group separate from the blockchain. An index information creation, encryption, and recording means that creates and encrypts index information of file data distributed and recorded by the aforementioned modification and distributed recording means, and records it on a specific node of the blockchain in a black box environment, It has, The aforementioned information management record recovery system is Based on the first agreement information regarding the execution of restoration processing for at least one of the information management records, which is created by the customer KYC information management record creation means acquired by the first agreement information acquisition means, the customer risk assessment information management record created by the customer risk assessment information management record creation means, and the access rights setting information management record created by the access rights setting information management record creation means, an index information decryption means decrypts 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 protection point, which is managed in a black box environment by the protection point sorting destination information management means, for each group of file data associated with the information of each said protection point, which is managed in a black box environment by the protection point sorting destination information management means, the index information decryption means decrypts 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 protection point, which is managed in a black box environment by the protection point sorting destination information management means, and 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 protection point, which 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 extracts the modified and distributed recorded file data from multiple nodes of the distributed management file of the 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 data recovery means that integrates and decrypts multiple fragmented file data extracted by the file data extraction means and restores them to the customer KYC information management record, customer risk assessment information management record, and access rights setting information management record as they were before backup. It has, Furthermore, based on the first agreement information regarding the execution of deletion processing for at least one of the information management records, including the customer individual KYC information management record created by the customer KYC information management record creation means acquired by the first agreement information acquisition means, the customer risk assessment information management record created by the customer risk assessment information management record creation means, and the access rights setting information management record created by the access rights setting information management record creation means, the deletion processing index information decryption means decrypts 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, A record deletion system for information management comprising: a file data deletion means that deletes the file data from a predetermined generation prior to the modified and distributed record on multiple nodes of the distributed management file of the blockchain to which the file data is stored, and multiple nodes of a distributed management file separate from the blockchain, based on the index information decrypted by the aforementioned deletion process index information decryption means; Based on the first agreement information regarding the execution of the deletion process of digital data linked to an individual, obtained by the first agreement information acquisition means, the second file data deletion means deletes the information of the preservation point linked to the file data to be deleted, which is managed in a black box environment by the preservation point sorting destination information management means. A second information management record deletion system comprising, A personal financial transaction-related information management system equipped with a decentralized account as described in claim 1, characterized by having the following:

3. The aforementioned information management record access control means is: Information management record access rights token generation means for generating an information management record access rights token that grants access rights to the information management record in the decentralized account of a customer individual managed by a financial institution that is subject to the exercise of access rights by the financial institution that manages the decentralized account of the customer individual who has access rights, among the customer KYC information management record and customer risk assessment information management record restored by the information management record restoration system, Information management record access rights token sending means that sends the information management record access rights token generated by the information management record access rights token generation means to the address of the financial institution that manages the decentralized account of the individual customer having the access rights, A personal financial transaction-related information management system equipped with a decentralized account as described in claim 1, characterized by having the following:

4. A second agreement information acquisition means for transmitting and exchanging predetermined information between multiple certifiers authenticated by the financial institution authentication system, or to one certifier who has been authenticated by multiple certifiers, and for acquiring second agreement information based on multiple authentications regarding the exercise of the right to access to information management records in the decentralized account of the customer individual managed by the financial institution that is subject to the exercise of the right to access, using the information management record access right token of the financial institution that manages the decentralized account of the customer individual who has the right to access, Based on the second agreement information obtained by the second agreement information acquisition means, the first agreement information regarding the execution of the restoration process of the customer KYC information management record and the customer risk assessment information management record in the decentralized account of the individual customer managed by the financial institution subject to the exercise of the right of access by the first agreement information acquisition means is assumed to have been obtained, and the index information decryption means, the file data extraction means, and the data restoration means are operated to control the information management record restoration system to restore the customer KYC information management record and the customer risk assessment information management record in the decentralized account of the individual customer managed by the financial institution subject to the exercise of the right of access to the individual customer before they were backed up. It has, The aforementioned information management record access control means is: Accessible information management record copying means for copying the customer KYC information management record and the customer risk assessment information management record in the distributed account of the individual customer managed by the financial institution subject to the exercise of the access rights, which have been restored by the access rights exercise control means, Accessible Information Management Record Sending Means send the customer KYC information management record and customer risk assessment information management record in the decentralized account of the customer individual managed by the financial institution subject to the exercise of the access rights, which have been copied by the Accessible Information Management Record Copying Means, to the address of the financial institution that manages the decentralized account of the customer individual having the access rights and which exercised the access rights using the Information Management Record Access Rights Token. A personal financial transaction-related information management system equipped with a decentralized account as described in claim 3, characterized by having the following:

5. The personal financial transaction-related information management system with a decentralized account according to claim 3, wherein the information management record access control means has authentication information sending means to send predetermined information to the address of the financial institution that manages the decentralized account of the customer individual who has the access rights, and which exercised the access rights using the information management record access rights token, in the access rights setting information management record restored by the information management record restoration system, which forms the basis of the first agreement information based on multiple authentications for the execution of the restoration process of the customer KYC information management record and the customer risk assessment information management record acquired by the first agreement information acquisition means, and which is the basis of the first agreement information based on multiple authentications for the execution of the restoration process of the customer KYC information management record and the customer risk assessment information management record.

6. Personal financial transaction-related information management system with decentralized accounts according to claim 3, characterized in that it has an information management record access right token invalidation means for invalidating the information management record access right token sent to the address of a financial institution having access rights when the period for exercising the access rights by a financial institution having access rights in the information management record access right token generated by the information management record access right token generation means has expired.

7. A personal financial transaction-related information management system equipped with a decentralized account as described in claim 1, characterized in that it has a linking smart contract that has a linking function that links the KYC information of an individual who has opened a decentralized account with the financial institution and the financial institution's customer risk assessment information in the individual's decentralized account managed by the financial institution, via the decentralized account number of the individual managed by the financial institution, which is contained in the individual's transaction information, asset status information, and contract information, which are information related to the individual's financial transactions, and the individual's unified personal ID linked to the individual, to the KYC information of the individual who has opened a decentralized account with the financial institution and the customer risk assessment information of the individual managed by the financial institution in the individual's decentralized account.

8. The aforementioned decentralized account opening application method has an authentication information input screen that accepts the input of My Number and password when an individual customer applies to open a decentralized account with a financial institution. The personal financial transaction-related information management system with a decentralized account according to claim 1, characterized in that the KYC information acquisition means is configured to transmit the customer's My Number and password entered on the authentication information input screen as the customer's authentication information to an external customer authentication system, and to receive the customer's KYC information from the external customer authentication system.

9. The aforementioned customer KYC information management record further contains the customer's individual My Number, moreover, A personal unified ID inquiry reception means that accepts inquiries for the personal unified ID using the customer's My Number in a real-time protected digital asset guard service provision system by a financial institution that has obtained the customer's consent, Personal Unified ID Acquisition Means: In response to receiving an inquiry for a personal unified ID by the personal unified ID inquiry acceptance means, the personal unified ID acquisition means semantizes (restores (decrypts and integrates)) the customer KYC information management record of the individual customer, which is recorded in a meaningless state (decomposed (encrypted and distributed)) in the customer KYC information management record preservation area of ​​the real-time protected digital asset guard service provision system, extracts the personal unified ID of the individual customer from the semantized customer KYC information management record, and acquires the personal unified ID. A personal financial transaction-related information management system equipped with a decentralized account as described in 8, characterized by having the following:

10. The personal financial transaction-related information management system equipped with a decentralized account according to claim 1, characterized in that the number of a decentralized account for an individual customer managed by the aforementioned financial institution consists of a financial institution code, a branch code, and an account number.

11. A smart contract for receiving access rights instructions has the function of receiving instructions from financial institutions that have already opened decentralized accounts for individual customers to mutually grant access rights to each other's customer risk assessment information based on a unified personal ID. Based on the access rights setting instruction received by the aforementioned smart contract for receiving access rights setting instructions, The means for creating records for managing access rights settings information is instructed to create the records for managing access rights settings information. The first agreement information acquisition means is instructed to transmit and exchange predetermined information between multiple certifiers authenticated by the financial institution authentication system, or to one certifier who has received multiple certifications, and to acquire first agreement information based on multiple certifications regarding the execution of the backup process of the access rights setting information management record created by the access rights setting information management record creation means. The information management record backup system in the real-time digital asset guard service provision system is configured to perform meaningless processing on the access rights setting information management records, distribute them as files sorted into multiple preservation points to the respective information management record preservation areas corresponding to each information management record, and encrypt and manage the index information of the files to be distributed. Thus, a smart contract for controlling access rights settings controls the process of setting access rights for customer risk assessment information of each financial institution based on a unified personal ID, A personal financial transaction-related information management system equipped with a decentralized account as described in claim 1, further comprising the features described above.

12. The personal financial transaction-related information management system with decentralized accounts according to claim 11, further comprising a smart contract for receiving access rights setting instructions, which has the function of receiving instructions from an individual customer to a financial institution that has already opened a decentralized account for that individual customer, to set the aforementioned access rights to another financial institution that has already opened a decentralized account for that individual customer.

13. A personal financial transaction-related information management system equipped with a decentralized account as described in paragraph 1, characterized in that it includes a trading smart contract that has the function of allowing individual customers to access decentralized accounts at financial institutions that they have already opened and conduct transactions on a DEX (decentralized exchange), and that a DEX (decentralized exchange) or other financial institutions can provide to individual customers.

14. The personal financial transaction-related information management system equipped with a decentralized account according to claim 10, characterized in that the transaction information, asset status information, and contract information of an individual customer, which are information relating to an individual customer's financial transactions, have a decentralized account number for the individual customer managed by the financial institution and a personal unified ID linked to the individual customer.

15. It has a smart contract for managing information linked to the aforementioned personal unified ID, which has the function of managing information linked to the personal unified ID, The personal financial transaction-related information management system with a decentralized account according to claim 1, characterized in that the management record information access control means is configured to control access rights to information linked to the personal unified ID by performing authentication between the personal unified ID-linked information management smart contracts.

16. The personal financial transaction-related information management system equipped with a distributed account according to claim 7, characterized in that the linked smart contract has a linking function that links the KYC information of an individual who has opened a distributed account with a financial institution and the customer risk assessment information of a financial institution between the distributed accounts of an individual who is managed by multiple financial institutions, via the distributed account number of the individual managed by the financial institution, which is contained in the transaction information, asset status information, and contract information of the individual, which are information relating to the individual's financial transactions, and the unified personal ID associated with the individual.

17. A personal financial transaction-related information management system equipped with a decentralized account as described in 13, characterized in that an individual customer authenticates / accesses a decentralized account opened at a financial institution via the aforementioned transaction smart contract provided by the financial institution, and is configured to allow the individual customer to perform transactions by referring to their own information, such as transaction information, asset information, and contract information, which is recorded as financial institution-owned information on a standard blockchain connected to each financial institution, via the account information of the individual customer's decentralized account set up / managed by the financial institution.

18. A personal financial transaction-related information management system equipped with decentralized accounts according to claim 1, characterized in that it has a compliance processing control smart contract that has a compliance processing control function based on the customer risk assessment information by each financial institution in decentralized accounts of individual customers managed by each financial institution.

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