Distribution payment system, blockchain system, payment control system, distribution payment method, and computer program

Abstract

To provide a dividend payment system, a block chain system, and a payment control system which can pay amounts according to the number of tokens possessed by investors to each of the investors by control of a smart contract.SOLUTION: In a dividend payment system, a block chain according to a BC system stores the number of tokens possessed by investors A to X, and when the BC system receives a payment report of reporting payment of a fund of a dividend, a smart contract arranged in the block chain is activated. The activated smart contract specifies a ratio of dividing the fund of the dividend to the investors on the basis of, the number of tokens of each of the investors stored in the block chain, and regulates control of transmitting information for instructing payments to each of the investors at the specified ratio, to a management / operation system. When receiving the information from the BC system, the management / operation system transmits the instruction of paying the amount according to the specified ratio to each of the inventors, to a financial institution system.SELECTED DRAWING: Figure 2

Description

Technical Field

[0001] The present invention relates to a distribution payment system, a blockchain system, a payment control system, a distribution payment method, and a computer program that control processing related to the payment of distribution funds for investment using tokens in a blockchain by a smart contract arranged in the blockchain.

Background Art

[0002] Conventionally, a scheme has been carried out in which funds collected from investments by anonymous partners (investors) and financing from financial institutions are used to acquire real estate or the like, and the profits obtained from the real estate or the like are distributed to the anonymous partners and used for repayment to the financial institutions. Such a scheme is usually called the GK-TK scheme. GK means Goudou Kaisha (Limited Liability Company), and TK means Tokumei Kumiai (Anonymous Partnership). In this scheme, the Goudou Kaisha (GK) establishes a Special Purpose Company (SPC) based on the "Law on Asset Securitization" and performs various necessary processes.

[0003] The following Patent Document 1 discloses a product that provides real estate securitization products securitized based on the Real Estate Specific Joint Business Act by an operator of a specific partnership to investors. Further, the following Patent Document 2 discloses a product that presents information to those who wish to invest in real estate crowdfunding using a Special Purpose Company (SPC).

[0004] On the other hand, in order to raise funds using blockchain technology, tokens have been conventionally used. One method of raising funds using such tokens is the Security Token Offering (STO) using security tokens. An example combining a security token and the above-described GK-TK scheme is disclosed in the following Non-Patent Document 1 (see pages 32, 38, etc. of Non-Patent Document 1).

[0005] In blockchain, a self - operating program called a smart contract (a type of computer program) is utilized. A smart contract generally executes a certain operation when a certain condition is satisfied. Examples of technologies related to smart contracts are disclosed in Patent Documents 3 - 5 below.

Prior Art Documents

Patent Documents

[0006]

Patent Document 1

Patent Document 2

Patent Document 3

Patent Document 4

Patent Document 5

Non - Patent Documents

[0007]

Non - Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0008] Even when making an investment using tokens based on blockchain technology, distribution payments corresponding to the investment amount (the amount of capital contribution) will be paid to the investors (capital contributors). The payment process (transfer process) of the distribution payments to the capital contributors will be borne by a server located outside the blockchain (for example, a financial institution server). However, such a server does not store the number of tokens each capital contributor has on its own, and since a blockchain that functions as a kind of database has characteristics different from those of a general database device, there is a problem that some ingenuity is required in the interaction between the blockchain side and the server in order to identify the transfer amount to each capital contributor and smoothly perform the payment process of the distribution payments.

[0009] Also, when the investment target is a leased property (for example, a leased real estate), it is necessary to pay the fees related to the management business to the manager of such a property. If such payments are made in association with the above-mentioned distribution payments, various payment processes can be performed in a unified manner. This also applies to the payment of principal and interest when the investment target is a financing property, the payment of the remuneration related to investment operation when the investment target is an investment operation property, the payment of trust remuneration to the trust business operator when the investment target is a trust target, the payment of trust dividends to the operator conducting business for the investors, etc.

[0010] The present invention has been made in view of such circumstances, and when making an investment using tokens based on blockchain technology, a distribution payment system, a blockchain system, a payment control system, a distribution payment method, and a computer program are provided, in which a smart contract arranged on the blockchain mainly performs process control so that a financial institution server outside the blockchain can smoothly make distribution payments. Further, the present invention aims to provide a distribution payment system, a blockchain system, a payment control system, a distribution payment method, and a computer program that enable unified payment of management fees, principal and interest, remuneration related to investment trust operation, trust remuneration, trust dividends, etc. based on the instructions of a smart contract in association with the payment of distribution payments.

Means for Solving the Problem

[0011] In order to solve the above problems, the dividend payment system according to the present invention includes a financial institution system that performs processing related to payment based on a payment instruction, and a blockchain system related to a blockchain in which a smart contract is arranged. In the dividend payment system configured such that the financial institution system performs processing related to the payment of dividends to investors, ownership token information indicating the number of owned tokens for each investor is recorded in the blockchain. The financial institution system includes means for transmitting a principal deposit notice notifying the deposit of the principal related to the dividend to the blockchain system. The smart contract is configured to be activated by the transmitted principal deposit notice. The blockchain system includes means for specifying, based on the activated smart contract, the amount to be distributed to each investor for the amount related to the deposited principal according to the ownership token information recorded in the blockchain, and means for transmitting a payment instruction instructing the payment of the amount for each investor specified based on the activated smart contract to the financial institution system. The financial institution system is characterized by including means for performing processing related to the payment of the amount for each investor instructed by the received payment instruction to the financial institution account related to each investor when the payment instruction is received.

[0012] In addition, for the distribution payment system according to the present invention, the object related to the investment of the investor corresponds to the leased property. The leased property is subject to a trust, is an object of investment operation, and is purchased by means of financing. The financial institution system is provided with means for transmitting a rent receipt notice notifying that there has been a receipt related to the rent to the blockchain system. The smart contract is configured to be activated by the transmitted rent receipt notice. The blockchain system is based on the activated smart contract, subtracts the management fee to the manager of the leased property, the trust remuneration to the trust trustee, the remuneration to the investment operator, and the principal and interest to the financier from the rent, and calculates the trust dividend to the token trader. And means for transmitting various payment instructions for instructing the payment of the management fee to the manager, the trust remuneration to the trust trustee, the remuneration to the investment operator, the principal and interest to the financier, and the calculated trust dividend to the token trader to the financial institution server. When receiving the various payment instructions, the financial institution server is provided with means for performing processing related to the payment of the management fee to the financial institution account related to the manager, the payment of the trust remuneration to the financial institution account related to the trust trustee, the payment of the remuneration to the financial institution account related to the investment operator, and the payment of the trust dividend to the financial institution account related to the token trader.

[0013] Furthermore, for the distribution payment system according to the present invention, the object related to the investment of the investor corresponds to the leased property. The financial institution system is provided with means for transmitting a rent receipt notice notifying that there has been a receipt related to the rent to the blockchain system. The smart contract is configured to be activated by the transmitted rent receipt notice. The blockchain system is based on the activated smart contract, and is provided with means for transmitting a management fee payment instruction for instructing the payment of the management fee to the manager of the property to be leased to the financial institution server. When receiving the management fee payment instruction, the financial institution server is provided with means for performing processing related to the payment of the management fee to the financial institution account related to the manager.

[0014] Furthermore, in the distribution payment system according to the present invention, for the leased property, a trust is established, and the blockchain system is provided with means for transmitting a trust remuneration payment instruction for instructing the payment of trust remuneration to the trust trustee to the financial institution server based on the smart contract activated by the lease payment notice. When the financial institution server receives the trust remuneration payment instruction, it is provided with means for performing processing related to the payment of trust remuneration to the financial institution account related to the trust trustee.

[0015] Also, in the distribution payment system according to the present invention, for the leased property, it is an object of investment and operation, and the blockchain system is provided with means for transmitting a remuneration payment instruction for instructing the payment of remuneration to the investment operator to the financial institution server based on the smart contract activated by the lease payment notice. When the financial institution server receives the remuneration payment instruction, it is provided with means for performing processing related to the payment of remuneration to the financial institution account related to the investment operator.

[0016] Furthermore, in the distribution payment system according to the present invention, for the leased property, it is purchased by means of financing, and the blockchain system is provided with means for transmitting a principal and interest payment instruction for instructing the payment of principal and interest to the financier to the financial institution server based on the smart contract activated by the lease payment notice. When the financial institution server receives the principal and interest payment instruction, it is provided with means for performing processing related to the payment of principal and interest to the financial institution account related to the financier.

[0017] The distribution payment system according to the present invention includes a financial institution system that performs processing related to payment based on a payment instruction, a blockchain system related to a blockchain in which a smart contract is arranged, and a management and operation system that can communicate with the blockchain system. In the distribution payment system in which the financial institution system is configured to perform processing related to the payment of dividends to investors, the blockchain records ownership token information indicating the number of owned tokens for each investor. The financial institution system includes means for transmitting a principal deposit notice notifying the deposit of the principal for the dividends to the blockchain system. The smart contract is configured to be activated by the transmitted principal deposit notice. The blockchain system includes means for specifying, based on the activated smart contract, the ratio related to the distribution for each investor according to the ownership token information recorded in the blockchain, and means for transmitting, based on the activated smart contract, ratio information including information indicating the ratio for each specified investor to the management and operation system. When receiving the ratio information, the management and operation system includes means for specifying, according to the ratio for each investor indicated by the received ratio information, the amount to be distributed to each investor from the amount related to the deposited principal, and means for transmitting a payment instruction for the amount for each specified investor to the financial institution system. The financial institution system includes means for performing processing related to the payment of the amount for each investor indicated by the received payment instruction to the financial institution account for each investor when receiving the payment instruction.

[0018] In addition, in the distribution payment system according to the present invention, the object related to the investment of the investor corresponds to the leased property, and the leased property has a trust set thereon, is an object of investment operation, and is purchased by means of financing. The financial institution system is provided with means for transmitting a rent receipt notice notifying that there has been a receipt of rent to the blockchain system. The smart contract is configured to be activated by the transmitted rent receipt notice. The blockchain system is provided with means for transmitting payment information instructing payment of management fees to the administrator, trust remuneration to the trust trustee, remuneration to the investment manager, principal and interest to the financier, and trust dividends to the token trader to the management and operation server based on the activated smart contract. When receiving the payment information, the management and operation system subtracts from the rent the management fees to the administrator of the leased property, the trust remuneration to the trust trustee, the remuneration to the investment manager, and the principal and interest to the financier to calculate the trust dividends to the token trader, and is provided with means for transmitting various payment instructions instructing payment of the management fees to the administrator, the trust remuneration to the trust trustee, the remuneration to the investment manager, the principal and interest to the financier, and the calculated trust dividends to the token trader to the financial institution server. The financial institution server is characterized by being provided with means for performing processing related to payment of management fees to the financial institution account related to the administrator, payment of trust remuneration to the financial institution account related to the trust trustee, payment of remuneration to the financial institution account related to the investment manager, and payment of trust dividends to the financial institution account related to the token trader when receiving the various payment instructions.

[0019] Furthermore, in the distribution payment system according to the present invention, the blockchain system is provided with an application programming interface, and the smart contract is configured to be activated upon receipt of the original fund receipt notice via the application programming interface.

[0020] Furthermore, the distribution payment system according to the present invention is characterized in that the blockchain system includes an application programming interface, and the smart contract is configured to be activated upon receiving the rental fee payment notice via the application programming interface.

[0021] In a blockchain system according to the present invention, in a blockchain system that causes an external financial institution system that performs processing related to payment based on a payment instruction to perform processing related to the payment of distribution funds to an investor by a payment instruction based on a smart contract arranged on the blockchain, ownership token information indicating the number of ownership tokens for each investor is recorded on the blockchain, and the smart contract is configured to be activated by a principal deposit notice that notifies the deposit of the principal for the distribution funds from an external financial institution system. Based on the activated smart contract, means for specifying the amount to be distributed to each investor for the deposited principal according to the ownership token information recorded on the blockchain, and based on the activated smart contract, means for transmitting a payment instruction for instructing the payment of the amount for each specified investor to an external financial institution system.

[0022] Moreover, the blockchain system according to the present invention is characterized in that it includes an application programming interface, and the smart contract is configured to be activated upon receiving the principal deposit notice via the application programming interface.

[0023] Furthermore, in the blockchain system according to the present invention, the object related to the investment of the investor corresponds to the leased property, the leased property has a trust set thereon, is an object of investment operation, and is purchased by means of financing. The smart contract is configured to be triggered by a rent receipt notice notifying that there has been a receipt of rent related to an external financial institution system. Based on the triggered smart contract, means for calculating the trust distribution to the token trader by subtracting the management fee to the manager of the leased property, the trust remuneration to the trust trustee, the remuneration to the investment operator, and the principal and interest to the financier from the rent, and means for transmitting various payment instructions for instructing the payment of the management fee to the manager, the trust remuneration to the trust trustee, the remuneration to the investment operator, the principal and interest to the financier, and the calculated trust distribution to the token trader to an external financial institution server are provided.

[0024] Furthermore, the blockchain system according to the present invention includes an application programming interface, and the smart contract is configured to be triggered upon receipt of the rent receipt notice via the application programming interface.

[0025] The payment control system according to the present invention includes a blockchain system related to a blockchain in which a smart contract is arranged and a management and operation system capable of communicating with the blockchain system, and causes an external financial institution system that performs processing related to payment based on a payment instruction to perform processing related to the payment of distribution funds to investors. In the payment control system, ownership token information indicating the number of owned tokens for each investor is recorded in the blockchain, the smart contract is activated by a principal deposit notification for notifying the receipt of the principal for the distribution funds from an external financial institution system, and the blockchain system is based on the activated smart contract. And means for specifying the ratio related to the distribution for each investor according to the ownership token information recorded in the blockchain, and means for transmitting ratio information including information indicating the ratio for each investor specified based on the activated smart contract to the management and operation system. The management and operation system, when receiving the ratio information, has means for specifying the amount to be distributed to each investor for the amount related to the received principal according to the ratio for each investor indicated by the received ratio information, and means for transmitting a payment instruction for the specified amount for each investor to an external financial institution system.

[0026] Further, in the payment control system according to the present invention, the blockchain system includes an application programming interface, and the smart contract is activated in association with the receipt of the principal deposit notification via the application programming interface.

[0027] Furthermore, in the payment control system according to the present invention, the object related to the investment of the investor corresponds to the leased property, the leased property is subject to a trust, is an object of investment operation, and is purchased by means of financing. The smart contract is configured to be activated by a rent receipt notice notifying that there has been a receipt of rent related to an external financial institution system. The blockchain system is provided with means for transmitting payment information instructing payment of management fees to the administrator, trust remuneration to the trust trustee, remuneration to the investment manager, principal and interest to the financier, and trust dividends to the token trader to the management and operation server based on the activated smart contract. When receiving the payment information, the management and operation system subtracts management fees to the administrator of the leased property, trust remuneration to the trust trustee, remuneration to the investment manager, and principal and interest to the financier from the rent to calculate trust dividends to the token trader, and is provided with means for transmitting various payment instructions instructing payment of management fees to the administrator, trust remuneration to the trust trustee, remuneration to the investment manager, principal and interest to the financier, and the calculated trust dividends to the token trader to an external financial institution server.

[0028] In the payment control system according to the present invention, the blockchain system is provided with an application programming interface, and the smart contract is configured to be activated upon receipt of the rent receipt notice via the application programming interface.

[0029] The method for paying out distribution funds according to the present invention is a method for causing a financial institution system, in which a blockchain system related to a blockchain in which a smart contract is arranged performs processing related to payment based on a payment instruction, to perform processing related to the payment of distribution funds to an investor. In the method, the blockchain records ownership token information indicating the number of owned tokens for each investor. The financial institution system executes a step of transmitting a principal deposit notice notifying the deposit of the principal related to the distribution funds to the blockchain system. The smart contract is activated by the transmitted principal deposit notice. The blockchain system, based on the activated smart contract, specifies the amount to be distributed to each investor for the principal related to the deposited funds according to the ownership token information recorded in the blockchain, and transmits a payment instruction for instructing the payment of the amount for each specified investor to the financial institution system. When the financial institution system receives the payment instruction, it executes a step of performing processing related to the payment of the amount for each investor instructed by the received payment instruction to the financial institution account related to each investor.

[0030] In addition, in a dividend payment method system according to the present invention, in which a blockchain system related to a blockchain where a smart contract is arranged and a management and operation system capable of communicating with the blockchain system cause a financial institution system that performs processing related to payment based on a payment instruction to perform processing related to the payment of dividends to investors, the blockchain records ownership token information indicating the number of ownership tokens for each investor, the financial institution system executes a step of transmitting a principal deposit notice notifying the deposit of the principal related to the dividend to the blockchain system, the smart contract is activated by the transmitted principal deposit notice, the blockchain system, based on the activated smart contract, identifies a ratio related to the distribution for each investor according to the ownership token information recorded in the blockchain, and based on the activated smart contract, executes a step of transmitting ratio information including information indicating the ratio for each identified investor to the management and operation system, the management and operation system, when receiving the ratio information, identifies an amount to be distributed to each investor for the amount related to the deposited principal according to the ratio for each investor indicated by the received ratio information, and executes a step of transmitting a payment instruction for the identified amount for each investor to the financial institution system, and the financial institution system, when receiving the payment instruction, executes a step of performing processing related to the payment of the amount for each investor indicated by the received payment instruction to the financial institution account related to each investor.

[0031] Furthermore, in the distribution payment method according to the present invention, in a distribution payment method in which a blockchain system related to a blockchain on which a smart contract is arranged causes an external financial institution system that performs processing related to payment based on a payment instruction to perform processing related to the payment of distribution to an investor, the blockchain records ownership token information indicating the number of tokens owned by each investor, the smart contract is activated by a principal deposit notice notifying the deposit of the principal related to the distribution from an external financial institution system, and the blockchain system, based on the activated smart contract, determines the amount to be distributed to each investor for the deposited principal according to the ownership token information recorded in the blockchain, and based on the activated smart contract, transmits a payment instruction instructing the payment of the amount for each identified investor to the external financial institution system.

[0032] Furthermore, in the distribution payment method according to the present invention, the object related to the investment of the investor corresponds to the leased property, the leased property is subject to a trust, is an object of investment operation, and is purchased by financing. The smart contract is activated by a rent receipt notice notifying that there has been a receipt of rent from an external financial institution system. The blockchain system, based on the activated smart contract, subtracts the management fee to the property manager, the trust fee to the trust trustee, the fee to the investment operator, and the principal and interest to the financier from the rent to calculate the trust dividend to the token trader, and based on the activated smart contract, transmits various payment instructions instructing the payment of the management fee to the manager, the trust fee to the trust trustee, the fee to the investment operator, the principal and interest to the financier, and the calculated trust dividend to the token trader to the external financial institution server.

[0033] In addition, in a distribution payment method system according to the present invention, in which a blockchain system related to a blockchain in which a smart contract is arranged and a management and operation system communicable with the blockchain system cause an external financial institution system that performs processing related to payment based on a payment instruction to perform processing related to the payment of distribution funds to investors, the blockchain records ownership token information indicating the number of tokens owned by each investor, the smart contract is activated by a principal deposit notice notifying the deposit of the principal related to the distribution funds from an external financial institution system, and the blockchain system, based on the activated smart contract, identifies the ratio related to the distribution for each investor according to the ownership token information recorded in the blockchain, and transmits ratio information including information indicating the ratio for each identified investor to the management and operation system, and when the management and operation system receives the ratio information, the management and operation system identifies the amount to be distributed to each investor for the amount related to the deposited principal according to the ratio for each investor indicated by the received ratio information, and transmits a payment instruction for the identified amount for each investor to an external financial institution system.

[0034] Furthermore, in the distribution payment method according to the present invention, the object related to the investment of the investor corresponds to the leased property, and the leased property has a trust set thereon, is an object of investment operation, and is purchased by means of financing. The smart contract is activated by a rent receipt notice notifying that there has been a receipt of rent related to an external financial institution system. Based on the activated smart contract, the blockchain system executes a step of transmitting payment information instructing the payment of management fees to the administrator, trust remuneration to the trust trustee, remuneration to the investment operator, principal and interest to the financier, and trust dividends to the token trader to the management and operation server. When the management and operation system receives the payment information, it subtracts the management fees to the administrator of the leased property, the trust remuneration to the trust trustee, the remuneration to the investment operator, and the principal and interest to the financier from the rent to calculate the trust dividend to the token trader, and executes a step of transmitting various payment instructions instructing the payment of the management fees to the administrator, the trust remuneration to the trust trustee, the remuneration to the investment operator, the principal and interest to the financier, and the calculated trust dividend to the token trader to an external financial institution server. This is a characteristic feature.

[0035] In a computer program according to the present invention, in a computer program for causing an external financial institution system that performs processing related to payment based on a payment instruction to perform processing related to the payment of distribution funds to an investor in a computer device corresponding to a node included in a blockchain system that records ownership token information indicating the number of tokens owned by each investor, based on the fact that it has been activated by a principal deposit notice notifying the deposit of the principal related to the distribution funds from the external financial institution system, the computer device is caused to identify the amount to be distributed to each investor for the amount related to the deposited principal according to the ownership token information recorded in the blockchain, and to execute a step of transmitting a payment instruction instructing the payment of the amount for each identified investor to the external financial institution system. This is a characteristic feature.

[0036] In the present invention, a smart contract is activated by a notice of original fund deposit transmitted from a financial institution system outside the blockchain to the blockchain system. Based on the activated smart contract, according to the ownership token information stored in the blockchain, the amount of payment related to the distribution for each investor is specified, and a payment instruction indicating the specified content is transmitted to the financial institution system. Therefore, due to the activated smart contract, the payment of distribution funds to each investor can be smoothly made at a ratio corresponding to the ownership token information stored in the blockchain. Regarding the transmission of the notice of original fund deposit, it includes both directly transmitting from the financial institution system to the blockchain system and transmitting through a device or the like responsible for processing related to communication, etc. to the blockchain system.

[0037] In the present invention, a smart contract is activated by a notice of rental fee deposit transmitted from a financial institution system outside the blockchain. Based on the activated smart contract, the amount of trust distribution to be paid to the token trader is calculated, and various payment instructions for instructing the payment of management fees to the administrator, trust remuneration to the trust trustee, remuneration to the investment manager, principal and interest to the borrower, and the calculated trust distribution to the token trader are transmitted to the financial institution system. Therefore, due to the activation of the smart contract, the payment process to the necessary payees can be unified. Regarding the transmission of the notice of rental fee deposit, it also includes both directly transmitting from the financial institution system to the blockchain system and transmitting through a device or the like responsible for processing related to communication, etc. to the blockchain system.

[0038] In the present invention, when the investment target is a leased property and the financial institution system transmits a payment notice based on the payment of rent to the blockchain system, a smart contract is activated by the rent payment notice, and based on the activated smart contract, a payment instruction for instructing the payment of management fees to the administrator is transmitted from the blockchain system to the financial institution system. Therefore, the payment of management fees to the administrator can also be made according to the instructions based on the smart contract.

[0039] In the present invention, when a trust is established for the leased property that is the investment target, based on the smart contract activated by the rent payment notice, a payment instruction for instructing the payment of trust remuneration to the trust trustee is transmitted from the blockchain system to the financial institution system. Therefore, the payment of trust remuneration to the trust trustee can also be made based on the instructions based on the smart contract.

[0040] Also, in the present invention, when the leased property that is the investment target is the subject of investment trust management, based on the smart contract activated by the rent payment notice, a payment instruction for instructing the payment of remuneration to the investment trust manager is transmitted from the blockchain system to the financial institution system. Therefore, the payment of remuneration to the investment trust manager can also be made according to the instructions based on the smart contract.

[0041] Furthermore, in the present invention, when the leased property that is the investment target is purchased by means of financing, based on the smart contract activated by the rent payment notice, a payment instruction for instructing the payment of principal and interest to the financier is transmitted from the blockchain system to the financial institution system. Therefore, the payment of principal and interest to the financier can also be made according to the instructions based on the smart contract.

[0042] In the present invention, when there is a management and operation system between a financial institution system and a blockchain system, when making payments to each investor due to the activated smart contract, by specifying the payment amount of each investor in the management and operation system, the processing load on the blockchain system is reduced, and payments to each investor can be smoothly made at a ratio corresponding to the ownership token information stored in the blockchain.

[0043] In the present invention, when there is a management and operation system between a financial institution system and a blockchain system, when making various payments to administrators, trust trustees, investment managers, financiers, and token traders even in the management and operation system due to the activated smart contract, since the management and operation system calculates the payment amount to token traders, etc., the processing load on the blockchain system is reduced, and processing related to various payments can be smoothly performed.

[0044] In the present invention, since the smart contract is activated in accordance with the receipt of a notice of principal deposit or a notice of rent payment via an application programming interface, notifications from outside the blockchain system can be flexibly received via the application programming interface, thereby stably activating the smart contract with external notifications and executing various processes.

Effects of the Invention

[0045] In the present invention, when making an investment (contribution) using tokens based on blockchain technology, even if the financial institution system outside the blockchain that performs the payment process for distribution payments does not store the contribution ratio of each investor, the smart contract arranged on the blockchain leads the process related to payments to each investor, so that the process related to the smooth payment of distribution payments to investors can be performed.

[0046] In addition, in the present invention, a smart contract is activated by a rent payment notice sent from a financial institution system outside the blockchain, and based on the activated smart contract, the amount of trust dividends to be paid to token traders is calculated, and management fees to the administrator, trust remuneration to the trust trustee, remuneration to the investment manager, principal and interest to the borrower, and various payment instructions for instructing the payment of the calculated trust dividends to the token traders are sent to the financial institution system. Therefore, the smart contract can mainly and uniformly perform the processes related to various payments, and various payments can be made after the rent payment is completed, so that a good payment flow without financial burden can be formed.

[0047] Furthermore, in the present invention, when there is a management and operation system between the financial institution system and the blockchain system, by specifying the payment amount of each investor in the management and operation system, the financial institution system outside the blockchain that performs the distribution payment process can smoothly pay the distribution to each investor at a ratio corresponding to the ownership token information stored in the blockchain, even if the financial institution system outside the blockchain does not store the investment ratio of each investor, while reducing the processing burden of the blockchain system.

[0048] Furthermore, in the present invention, when there is a management and operation system between the financial institution system and the blockchain system, even in the management and operation system, when making various payments to the administrator, trust trustee, investment manager, borrower, and token trader, the management and operation system calculates the payment amount to the token trader, etc., so that the processing burden of the blockchain system can be reduced and the processing related to various payments can be performed smoothly.

[0049] In addition, in the present invention, the smart contract is activated in response to the receipt of the original capital deposit notice or the rent payment notice via the application programming interface, so that flexible reception response can be made to the notice from outside the blockchain system, the smart contract can be activated, and thereby various payment processes can be uniformly executed manually by the smart contract.

Brief Description of the Drawings

[0050]

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Mode for Carrying Out the Invention

Examples

[0051] FIG. 1 is a schematic diagram showing an example of the GK-TK scheme that is a premise of the distribution fund payment system according to the present invention. The GK-TK scheme shown in FIG. 1 acquires real estate (for example, rental real estate property) with funds collected from investments by anonymous partners (anonymous syndicate investors, investors who are investors) and financing from financial institutions, and the funds based on the rent obtained from the real estate are distributed to anonymous partners, repaid to financial institutions, rewarded to investment operators (asset manager 5 in FIG. 1), and used for management fees of the property management company 6 (manager, for example, accounting firm) of the rental real estate.

[0052] Specifically, in the example shown in FIG. 1, if 1 billion yen is required to purchase a rental real estate property, 300 million yen out of the 1 billion yen is taken as loan 1a that received financing from lender 7a (financial institution, corresponding to a financier), 300 million yen out of the 1 billion yen is taken as loan 1b that received financing from mezzanine lender 7a (financial institution, corresponding to a financier), and the remaining 400 million yen is taken as the investment share from the anonymous syndicate (TK) (anonymous syndicate investment share 1c). The incorporated company GK establishes a special purpose company (SPC) and conducts various operations related to raising funds for purchasing the above-mentioned rental real estate property and operating the rental real estate property.

[0053] Trust beneficiary rights are set on the leased real estate property and become the target of investment and operation. The originator 2, who is the original owner of the real estate, enters into a real estate management and disposition trust contract regarding the leased real estate property with the trust bank 3, which is the trust trustee. As a result, the beneficiary rights are transferred to the originator 2. Between the originator 2 and the incorporated association GK (special purpose company), a beneficiary rights transfer contract is concluded. The incorporated association GK acquires the beneficiary rights regarding the leased real estate property, while the originator 2 obtains the consideration for the acquisition of the beneficiary rights.

[0054] In addition, the trust bank 3 enters into a lease contract with the real estate lessee 4 of the leased real estate property and will receive the deposit of the lease payment paid by the real estate lessee 4. Although not shown in Figure 1, the trust bank 3 may enter into a property management contract (PM contract) with a real estate management agent (property manager PM) so that the real estate management agent conducts the lease contract with the real estate lessee 4, and entrusts the real estate management agent with the business to the real estate lessee.

[0055] The incorporated association GK (special purpose company) enters into an asset management contract regarding the leased real estate property with the asset manager 5, who is an investment and operation operator. As a result, the asset manager 5 (corresponding to the investment and operation operator) obtains an asset management fee from the incorporated association GK (special purpose company). Furthermore, the incorporated association GK (special purpose company) enters into a contract regarding the administrative management of the leased real estate property (administrative management contract) with the administrative management company 6 (for example, an accounting firm). As a result, the administrative management company 6 (corresponding to the manager of the leased property) obtains a contract fee (management fee) regarding the administrative management contract from the incorporated association GK (special purpose company).

[0056] Regarding the investment share 1c of the anonymous syndicate that bears part of the purchase funds for the leased real estate property, this part is securitized to raise funds from equity investors 9 (anonymous syndicate investors). In the case of this embodiment, securitization of real estate is achieved through tokens related to blockchain (equivalent to security tokens, quasi-monetary securities, or binary securities). In the example shown in Fig. 1, a solicitation and sales company 8 (equivalent to an electronic record transfer business operator, a first-category money dealer, a second-category money dealer, or a token trader) conducts operations related to such fundraising and token sales.

[0057] Although various methods can be assumed for the fundraising and token sales by the solicitation and sales company 8, as an example, it can be carried out in two stages: a primary market for solicitation and sales in the issuance market and a secondary market for counterparty transactions for transfer of position in the circulation market. In the primary market, the solicitation and sales company 8 concludes a solicitation business entrustment contract with the incorporated association GK, which becomes the issuer (operator) of the token. After registering the issuer information (solicitation information, etc.), the solicitation and sales of the token (security token) are carried out in the issuance market for investors (for example, special business target investors, equity investors 9) with a certain solicitation period. Investors who wish to purchase the security token will submit applications during the solicitation period.

[0058] Upon the end of the solicitation period, the solicitation and sales company 8 purchases the security tokens from the incorporated association GK in a lump sum. The incorporated association GK issues the security tokens on the blockchain (the blockchain is not shown in Fig. 1), and registers (records) the number of issued tokens on the blockchain in association with the investors.

[0059] As a specific example of security token purchase in the primary market as described above, for example, assume that incorporated association GK set the total amount of capital contribution solicitation (1c of the anonymous syndicate contribution) at 400 million yen and issued 40,000 tokens on the blockchain (the state where 40,000 tokens are in the incorporated association wallet). In this case, the capital contribution unit is 10,000 yen per share. Each investor will purchase the number of shares they desire. As purchase examples of some investors, the first investor purchases 1 share (1 token), the second investor purchases 50 shares (50 tokens), the third investor purchases 15 shares (15 tokens), the fourth investor purchases 30 shares (30 tokens), and so on. In response to these purchases, on the blockchain, 1 token of the ownership quantity is stored in association with the first investor, 50 tokens of the ownership quantity are stored in association with the second investor, 15 tokens of the ownership quantity are stored in association with the third investor, and 30 tokens of the ownership quantity are stored in association with the fourth investor.

[0060] Also, for the security tokens in the secondary market's relative transactions described above, the solicitation and sales company 8 constructs a trading system as one of the parties to the transaction and conducts the buying and selling transactions of security tokens through this trading system. Specifically, the solicitation and sales company 8 presents in the trading system the selling price of the security tokens (the price per share) with a spread for selling added to the reference price related to the security tokens notified by the asset manager 5, and the buying price with a spread for buying added to the above reference price (for example, the solicitation and sales company 8 opens an online trading site that can be browsed via a browser on the Internet and presents the selling price and buying price of the security tokens on that website (online trading site)).

[0061] If an investor already owns a security token and wishes to sell it, they can sell the desired number of security tokens they own to the solicitation and sales company 8 through the above-described trading system. In this case, for example, when an investor purchases a security token at 10,000 yen per unit, if the selling price per unit in the above-described trading system is presented as 10,500 yen and the investor can sell at that selling price, the investor will obtain a selling profit of 500 yen per unit.

[0062] Also, in the case of an investor who wishes to acquire a security token, it is possible to purchase the security token through the above-described trading system. For example, if the purchase price (acquisition price) per unit in the above-described trading system is presented as 10,700 yen, the investor can acquire the desired number of security tokens by paying an acquisition amount of 10,700 yen per unit to the solicitation and sales company 8.

[0063] The sale and purchase of security tokens as described above will be registered (recorded) on the blockchain, for example, in a daily closing process (processing on a daily basis), as contract data related to the transfer of security tokens. Specifically, the data related to the transaction to be recorded on the blockchain, which has undergone processing related to a predetermined transaction corresponding to the sale and purchase, becomes the update target. Thereafter, the data is electronically signed using a private key, and after being electronically signed, the data recorded on the blockchain is updated (settlement and clearing are also completed).

[0064] Records of security token trading on the blockchain are managed and recorded on the blockchain as digital anonymous syndicate management (security token management), and the numerical values of security tokens related to trading are recorded for each investor (each contributor) and soliciting and selling company. For example, when an investor sells 10 lots of security tokens, the memory state of the blockchain will show that the quantity of security tokens owned by that investor has decreased by 10 lots, while the quantity of security tokens owned by soliciting and selling company 8 has increased by 10 lots. Also, when another investor purchases 10 lots of security tokens, the memory state of the blockchain will show that the quantity of security tokens owned by that investor has increased by 10 lots, while the quantity of security tokens owned by soliciting and selling company 8 has decreased by 10 lots.

[0065] In addition to the information related to the trading of security tokens described above, the blockchain also records information about the incorporated company GK, which is the issuer of the security tokens, information related to the anonymous syndicate contribution 1c for soliciting and selling (such as solicitation information), and value information such as the reference value and transaction value (selling price, purchase price) by asset manager 5.

[0066] As described above, the security tokens stored on the blockchain are based on the anonymous syndicate contribution 1c related to the leased real estate property and correspond to each investor's contribution. Therefore, the rent from the real estate lessee 4 of the leased real estate property serves as the source of the distribution funds and is distributed to each investor (contributor) who owns the security tokens stored on the blockchain according to the number of security tokens owned (ownership share).

[0067] In the present invention, one of the features is that the distribution of the distribution amount to each investor according to the number of security tokens owned can be smoothly performed based on the control of a smart contract arranged on a blockchain. Also, the payment of the contract fee (management fee) to the property management company 6 (the manager of the leased real estate property) of the leased real estate property, the payment of the principal and interest on the financing to the lender 7a and the mezzanine lender 7a (the financier), the payment of the asset management fee (investment management fee) to the asset manager 5 (the investment operator), and the payment of the trust dividend to the solicitation and sales company 8 (the token trader) are also made based on the smart contract, which is also a feature of the present invention. Hereinafter, embodiments of the present invention will be described in detail on the premise of an example of the GK-TK scheme shown in FIG. 1 described above.

[0068] FIG. 2 shows an overall overview of the distribution amount payment system 10 according to an embodiment of the present invention. The distribution amount payment system 10 is configured by connecting a financial institution system 11 and a payment control system 50 via a wide area network NW. Further, the payment control system 50 is configured to communicably connect a management and operation system 20 and a blockchain system 30 (hereinafter referred to as the BC system 30) via a network that is more local than the wide area network NW. In the payment control system 50, the management and operation system 20 is connected to the wide area network NW. Therefore, the financial institution system 11 and the BC system 30 communicate with each other via the management and operation system 20.

[0069] The financial institution system 11 is a system operated by a certain financial institution (for example, AAA Bank), and includes a financial institution server 12 and an account database device 15 (hereinafter referred to as the account DB device 15). As will be described later, based on an external payment instruction, the financial institution system 11 makes payments (transfer processes) to the respective financial institution accounts of each investor A, B, C, etc. (corresponding to investors including equity investors 9, etc. of the anonymous syndicate investors in FIG. 1) who invest (subscribe) in the anonymous syndicate investment share 1c (see FIG. 1), the trust bank 3 (corresponding to the trust trustee), the asset manager 5 (corresponding to the investment operator), the administrative management company 6 (corresponding to the manager), the lender 7a (corresponding to the financier), the mezzanine lender 7a (corresponding to the financier), and the solicitation and sales company 8 (corresponding to the token administrator).

[0070] Regarding the user who has created an account with the financial institution (for example, AAA Bank) that operates the financial institution system 11, the data of the created account (account data) is stored in the account DB device 15. In this embodiment, a plurality of account tables storing financial institution account data related to the ABC joint company corresponding to the incorporated company GK (see FIG. 1) and financial institution account data related to the XYZ solicitation and sales company, etc. corresponding to the solicitation and sales company 8 (see FIG. 1) are stored.

[0071] The management and operation system 20 included in the payment control system 50 is a system mainly operated by the XYZ solicitation and sales company corresponding to the solicitation and sales company 8 shown in FIG. 1. The XYZ solicitation and sales company that operates the management and operation system 20 provides token trading services related to the solicitation and sales of the above-mentioned tokens (security tokens) and counter transactions. Users (corresponding to investors) who wish to buy or sell tokens will buy or sell tokens through the token trading services provided by this XYZ solicitation and sales company. However, before that, they register for this service and open an account for token trading. The token trading service provided by the XYZ solicitation and sales company provides users with opportunities to buy and sell tokens through a website, application software installed on the terminals used by users, or over-the-counter, etc.

[0072] The management and operation system 20 includes a management and operation server 21, a batch processing server 25, and a database server 27 (hereinafter referred to as the DB server 27). Each investor A, B, C, etc. who invests (contributes capital) in the anonymous syndicate investment share 1c (see Figure 1) becomes a registered user (customer) of the token trading service provided by the XYZ recruitment and sales company, and the information related to each of these investors is stored in the management and operation system 20. Also, the information indicating the number of security tokens owned by each of the investors A, B, C, etc. (corresponding to the owned token information) is stored in the blockchain (in this embodiment, the blockchain related to the BC system 30) as described above, but is also stored in the management and operation system 20 (DB server 27) to enable processing and responses without going through the blockchain. For the management and operation server 21, batch processing server 25, and DB server 27 included in the management and operation system 20, the above-mentioned financial institution system 11 (financial institution server 12) is treated as an external system (external financial institution server 12).

[0073] The BC system 30 included in the payment control system 50 is a network system in which a plurality of nodes (corresponding to computer devices 31 in this embodiment) that manage the blockchain are connected by a peer-to-peer communication method. The type of blockchain by the BC system 30 in this embodiment is a private blockchain, and this BC system 30 is also mainly operated by the XYZ recruitment and sales company. Therefore, the management and operation system 20 and the BC system 30 function as the payment control system 50 by the XYZ recruitment and sales company. For the BC system 30 (and the computer device 31 which is a node constituting the BC system 30), the above-mentioned financial institution system 11 (financial institution server 12) is also treated as an external system (external financial institution server 12). Hereinafter, each of these systems 11, 20, 30, etc. will be described in more detail.

[0074] Figure 3 shows an outline of the internal hardware configuration of the financial institution server 12 included in the financial institution system 11 shown in Figure 2. This financial institution server 12 performs processing such as instruction control on information related to the user's financial institution account (deposit account) stored in the account DB device 15 included in the financial institution system 11 of Figure 2, and also performs control such as cooperation processing with other financial institution accounts (deposit and withdrawal processing between one account and another account) in response to requests from external systems. In Figure 2, only one financial institution server 12 is shown in the financial institution system 11, but the financial institution server 12 may be configured by combining a plurality of devices such as server computers through distributed processing or the like. Even in the case of such a configuration by a plurality of devices, it corresponds to the financial institution server 12 according to the present invention.

[0075] In the financial institution server 12 in the present embodiment, a general server computer (server device) is applied, and various module devices and the like are internally connected to the MPU 12a that performs overall control and various processes by an internal connection line 12h. The various module devices and the like include a communication module 12b, a RAM 12c, a ROM 12d, an input interface 12e, an output interface 12f, a storage unit 12g, and the like.

[0076] The communication module 12b is a communication device (communication means) corresponding to a connection module with a network and is according to a required communication standard (for example, a LAN module according to IEEE). The communication module 12b is connected to the network via required communication equipment (not shown in the figure; for example, a router or the like is applicable). In the present embodiment, it enables communication with other external systems (including database systems and the like) such as the payment control system 50 (management and operation system 20 and BC system 30) shown in Figure 2 and other financial institution systems, and also enables communication with other devices (such as the account DB device 15) inside the system of the financial institution system 11.

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

[0078] The storage unit 12g stores programs, various data, various information, etc. In this embodiment, it stores a system program P1, a financial institution processing program P2, a financial institution API 13, a financial institution user table 14, etc. The system program P1 defines various processes according to the server operation system. By executing the processes based on this defined content by MPU 12a, the financial institution server 12 exhibits various functions as a server computer.

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

[0080] In addition, the financial institution processing program P2 also performs processing related to deposits and withdrawals. When it receives a deposit notification for notifying a deposit from the outside, it sends deposit information to the account DB device 15 described later, stores the deposit amount and the like in the destination account, and performs processing related to the deposit. Further, along with the completion of such processing related to the deposit, the financial institution processing program P2 also defines processing corresponding to a service of contacting a predetermined notification destination registered in the financial institution user table 14 that there has been a deposit. The notified content includes information indicating the name of the deposit, the amount of the deposit, and the source of the deposit (depositor).

[0081] In this embodiment, the rent from each real estate lessee 4 (see FIG. 1) of the leased real estate property is once paid to the financial institution account of the trust bank 3 (see FIG. 1). When the payment of the rent from each real estate lessee is completed, the trust bank 3 aggregates the total rent of the paid real estate lessees and makes a deposit to the financial institution account of the ABC joint stock company (for example, the account of the ABC joint stock company provided at the AAA bank) by means of debit or the like.

[0082] As described later, in the financial institution user table 14, the notification destination in the case of a deposit is registered in advance. For the notification destination in the case of a deposit of the rent from the trust bank 3 to the financial institution account of the ABC joint stock company, the address of the payment control system 50 (BC system 30 via the management and operation system 20) is registered. Therefore, when there is a deposit (transfer or debit) of the rent from the trust bank 3 to the ABC joint stock company, according to the provisions of the financial institution processing program P2, the MPU 12a executes a process of sending a deposit notification (rent deposit notification) notifying that there has been a deposit of the rent to the BC system 30.

[0083] Furthermore, when the financial institution processing program P2 receives a payment instruction (such as a transfer or a debit instruction) from the outside through the communication module 12b, it sends withdrawal information to the account DB device 15 and transfers the specified amount from the account of the payer (the account of the user whose user information is stored in the financial institution user table 14) to the financial institution account of the specified payee by means of a transfer or the like. The MPU12a is defined to execute the processing related to the payment. In the case where the specified payee is a different financial institution (for example, BBB Bank) from the financial institution (for example, AAA Bank) that operates the financial institution system 11, the processing related to the payment is performed on the external system related to that different financial institution. On the other hand, in the case where the specified payee is the same financial institution (for example, AAA Bank) as the financial institution (for example, AAA Bank) that operates the financial institution system 11, the processing related to the payment is performed on the internal system related to the financial institution system 11.

[0084] When the processing related to the payment as described above is performed and the payment is completed, in addition to the payment completion notification being sent to the payer under the control of the MPU12a, the financial institution processing program P2 also stipulates that the MPU12a performs the process of sending the payment completion notification to the notification destination pre-stored in the financial institution user table 14.

[0085] The payment of the distribution amount according to the present invention is carried out by using the processing stipulated by such a financial institution processing program P2. For example, when there is a rental income, the MPU12a performs the process of sending a rental income notification (corresponding to the smart contract activation notification according to the present invention) to the BC system 30 in the payment control system 50 based on the information stored in the financial institution user table 14. Also, along with the transmission of this rental income notification, as will be described later, the financial institution server 12 will receive various payment instructions. Therefore, based on these various payment instructions, the MPU12a performs the processing related to the payment to the trust bank 3, the asset manager 5, the property management company 6, the lender 7a, the mezzanine lender 7a, and the solicitation and sales company 8 (XYZ solicitation and sales company).

[0086] And since the trust dividend paid to the solicitation and sales company 8 (XYZ solicitation and sales company) serves as the source of funds for the distribution to each investor, when there is a deposit of the trust dividend (source of funds related to the distribution) into the financial institution account of the XYZ solicitation and sales company, the financial institution server 12 performs a process of transmitting a trust dividend deposit notice (source of funds deposit notice. Corresponding to the smart contract activation notice according to the present invention) to the BC system 30 in the payment control system 50. And with the transmission of this trust dividend deposit notice, as will be described later, the financial institution server 12 will receive a payment instruction related to the distribution, so based on this payment instruction, the MPU 12a will perform the process related to the payment of the amount instructed by the payment instruction to the financial institution accounts of each investor.

[0087] Also, the financial institution API 13 stored in the storage unit 12g is an API (Application Programming Interface) that performs a process intervening between an application arranged outside the financial institution server 12 and the above-described financial processing program P2. In the present embodiment, when performing the process related to the payment (transfer or debit) of the above-described financial institution processing program P2, when a payment instruction is received from the outside by the communication module 12b due to the operation of an external application, the payment instruction calls the financial institution API 13, and the content included in the payment instruction is transmitted to the financial institution processing program P2 via the financial institution API 13, whereby the financial institution processing program P2 performs the above-described process related to the payment.

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

[0089] The user information stored in the financial institution user table 14 in association with the account number is information provided by the user to the financial institution at the time of account opening, such as the user's name (corporate name in the case of a corporation), address, phone number, email address, etc., which are used to identify the user, and information related to the notification destination (notification destination information) for notifying the completion of processing related to deposits or withdrawals such as transfers and debits is also stored in association with the user's account number (the notification destination information is stored in the notification destination column 14a). The content of the notification destination information includes information such as the item for which the deposit or withdrawal is made, the name of the depositor or the payee, the name of the notification destination, and the address on the network of the notification destination. In order to enable multiple deposit or withdrawal notifications for one account, multiple notification destination information can be stored in the notification destination column 14a in association with one account number.

[0090] In the example of the financial institution user table 14 shown in Figure 4, the notification destination information stored in the notification destination column 14a corresponding to ABC Corporation includes information indicating the item as rent, the name of the depositor as Trust Bank 3 (see Figure 1), and the address related to the BC system 30 in the payment control system 50 as the notification destination. In addition, the notification destination information stored in the notification destination column 14a corresponding to XYZ Recruitment and Sales Company includes information indicating the item as trust dividend, the name of the depositor as ABC Corporation, and the address related to the BC system 30 in the payment control system 50 as the notification destination.

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

[0092] The DB unit 15c stores a database (DB). In the present embodiment, it stores the financial institution account DB 16. This financial institution account DB 16 includes a table storing deposit and withdrawal information of the financial institution accounts of users who have opened financial institution accounts (such as deposit accounts). In FIG. 5(a), the financial institution account DB 16 stored in the DB unit 15c includes a plurality of account tables such as the account table 17 of ABC Corporation and the account table 18 of XYZ Recruitment and Sales Company, which are corporate account tables, and the account table 19 of individual user User A. Each of these account tables for corporations or individuals corresponds to the financial institution accounts (for example, deposit accounts) of the corporate or individual users, and is created in the financial institution account DB 16 under the control of the control unit 15 when each user applies to open an account at the financial institution.

[0093] Fig. 5(b) shows an example of the account table included in the financial institution account DB16 and outlines a part of the content of the account table 17 of ABC Corporation. This account table 17 includes the account name, account number, and current account deposit amount in the upper summary column 17a, and stores the information (deposit / withdrawal amount) of deposits / withdrawals to / from the financial institution account (deposit account) of ABC Corporation in the deposit / withdrawal column 17b below the summary column 17a in association with the date and time. The storage of information in such an account table 17 is performed based on the information from the financial institution server 12 received by the communication unit 15b under the control process of the control unit 15a.

[0094] For example, when the communication unit 15b receives deposit information indicating the account number, deposit amount (amount), depositor, items related to the deposit, etc. of ABC Corporation from the financial institution server 12, the control unit 15a uses the account number of ABC Corporation included in the received deposit information as a clue to identify the account table 17 of ABC Corporation from the financial institution account DB16 stored in the DB unit 15c, and performs a control process of storing each piece of information (deposit, depositor, items, etc.) included in the deposit information together with the reception date and time of the deposit information in the identified account table 17 of ABC Corporation. Through such control processing related to deposits, the amount related to the deposit is automatically added to the deposit / withdrawal column 17b of the account table 17 of ABC Corporation in association with the date and time, and the current account deposit amount included in the summary column 17a is also updated.

[0095] Also, when the communication unit 15b receives withdrawal information (payment instruction) indicating the account number, withdrawal amount (amount), items related to the withdrawal, withdrawal destination information (name of the financial institution of the withdrawal destination, financial institution identification number, account name of the withdrawal destination, account number, etc.) of ABC Corporation from the financial institution server 12, the control unit 15a uses the account number of ABC Corporation included in the received withdrawal information as a clue to identify the account table 17 of ABC Corporation from the financial institution account DB16 stored in the DB unit 15c, and compares and checks whether the current account deposit amount of the identified account table 17 of ABC Corporation is equal to or greater than the amount included in the received withdrawal information.

[0096] When the current account deposit amount is equal to or greater than the amount included in the received withdrawal information, control processing is performed to store the amount included in the withdrawal information in the debit / credit column 17b of the account table 17 of ABC Corporation, associated with the date and time. At the same time, referring to the withdrawal amount and the withdrawal destination information included in the withdrawal information, payment information indicating such a withdrawal amount and withdrawal destination is generated, and control processing is performed to transmit it from the communication unit 15b to the transmission source indicated by the withdrawal destination information. Note that when such a withdrawal process is performed, the current account deposit amount (the balance amount included in the summary column 17a) of the account table 17 of ABC Corporation will also be automatically reduced by the amount of the withdrawal and updated.

[0097] On the other hand, as a result of the above comparison, when the current account deposit amount in the account table 17 of ABC Corporation is less than the withdrawal amount included in the received withdrawal information, since the amount included in the withdrawal information cannot be withdrawn, the control unit 15a generates payment impossible information indicating that the deposit amount in the deposit account of ABC Corporation is insufficient and cannot be withdrawn, and performs control processing to transmit it from the communication unit 15b to the transmission source indicated by the withdrawal destination information.

[0098] The above example has been described in the case of using the account table 17 of ABC Corporation, but the same applies to other account tables stored in the financial institution account DB16. Also, when the target financial institution has multiple branches, etc., a database such as the above-mentioned financial institution account DB16 will be provided for each branch, etc. In this case, information for identifying the branch, etc. will be attached to the database for each branch, and the account tables of each user stored in each database will be specified, and the information for identifying the branch, etc. will also be included in the deposit / withdrawal information, payment information, etc. transmitted and received from the above-mentioned communication unit 15b.

[0099] FIG. 6 shows an overview of the internal hardware configuration of the management and operation server 21 included in the management and operation system 20 within the payment control system 50 shown in FIG. 2. The management and operation system 20 performs overall management in the payment control system 50 and also plays a central role in the communication processing of the payment control system 50. The transmission and reception in the payment control system 50 will be carried out via the management and operation system 20 (management and operation server 21). Therefore, even if a transmission to the BC system 30 is made from outside the payment control system 50, such a transmission will be sent to the BC system 30 via the management and operation system 20 (management and operation server 21). Also, when transmitting from the BC system 30 to the outside of the payment control system 50, such a transmission will be sent to the outside of the payment control system 50 via the management and operation system 20 (management and operation server 21).

[0100] As described above, the management and operation system 20 (management and operation server 21) is mainly operated by the XYZ solicitation and sales company, stores information about each investor who is a customer of the XYZ solicitation and sales company (the investor who invests in the anonymous syndicate investment 1c in FIG. 1), and, while referring to the information of these investors, intervenes between the financial institution system 11 (financial institution server 12) shown in FIG. 2 and the BC system 30 (computer device 31) to assist their communication and perform various processes so that the payment of distribution funds to investors can be smoothly carried out.

[0101] The management and operation server 21 in this embodiment also applies a general server computer (server device) in the same manner as the above-described financial institution server 12. As shown in FIG. 6, various module devices and the like are internally connected to an MPU 21a that performs overall control and various processes by an internal connection line 21h. The various module devices include a communication module 21b, a RAM 21c, a ROM 21d, an input interface 21e, an output interface 21f, a storage unit 21g, and the like. Note that, as in the case of the above-described financial institution server 12, the management and operation server 21 may be configured by combining a plurality of devices such as server computers by performing distributed processing and the like. Since the communication module 21b, the RAM 21c, the ROM 21d, the input interface 21e, and the output interface 21f have the same mechanism as those of the financial institution server 12, the description thereof is omitted.

[0102] The storage unit 21g stores programs, various data, various information, etc. In this embodiment, it stores a system program P10, a transaction program P11, a user DB 22, a payment table 23, and the like. The system program P10 is equivalent to the system program P1 of the financial institution server 12. By the MPU 21a executing processes based on the specified content of this system program P10, the management and operation server 21 exhibits various functions as a server computer. Before explaining the transaction program P11, the user DB 22 and the payment table 23 will be explained.

[0103] FIG. 7 shows an outline of a part of the content of the user DB 22 stored in the storage unit 21g. The user DB 22 stores information of users (investors) who have registered for the token trading service of the XYZ solicitation and sales company and opened an account related to token trading. In accordance with the completion of account registration, a user ID for identifying the user is assigned to each user from the XYZ solicitation and sales company (operation and management server 21). In the user DB 22, various information of the user is stored in association with the assigned user ID.

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

[0105] Also, in the option settlement column 13b of the user DB 22, information related to the settlement service that can be used for purchasing tokens is stored. In this embodiment, it is basically assumed that tokens are purchased using funds transferred from a financial institution account (for example, a deposit account) to the token purchase account of the XYZ solicitation and sales company, but it also supports purchase methods using other optional settlement services. For example, without transferring funds from the financial institution account to the token trading account, directly using the funds deposited in the financial institution account (deposit account) to purchase tokens (purchase using the real-time account transfer service), or using various cards such as credit cards (cards related to purchases according to the credit sales system), debit cards (cards related to purchases according to the immediate settlement from the deposit account), and prepaid cards (cards related to purchases according to the prepayment settlement system), etc. The transaction service of the XYZ solicitation and sales company also supports the purchase of tokens.

[0106] In the option settlement column 13b of the user who has set the purchase method of such an option settlement service, information on the purchase method using the set option settlement service is stored. Note that the option settlement column 13b of the user who has not set the purchase method using the option settlement service is blank. Furthermore, in the transaction account balance column 13c of the user DB 22, the balance of each user's token trading account (balance in yen) is stored. Note that the balance in the transaction account balance column 13c is updated at any time along with token purchase and sale transactions.

[0107] Figure 8 shows an overview of the contents of the payment table 23 stored in the storage unit 21g. The payment table 23 stores information regarding other payments associated with the distribution payment of the present invention (information related to the payment to ABC Corporation), and in this embodiment, the trust fee to the trust bank 3 shown in FIG. 1, the investment management fee to the asset manager 5, the management fee (contract fee) to the administrative management company 6, and the principal and interest for the financing to the lender 7a and the mezzanine lender 7a, and information regarding each payment such as the trust dividend to the XYZ solicitation and sales company are recorded.

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

[0109] Also, for the XYZ solicitation and sales company, the payment name, financial institution information of the XYZ solicitation and sales company (e.g., bank name, bank identification number, branch name, branch identification number, etc.), and the financial institution account number are stored, but the payment amount of the trust dividend to the XYZ solicitation and sales company is specified by the processing of the management and operation server 21 as will be described later, so the column for the payment amount to the XYZ solicitation and sales company is blank. The contents stored in such a payment table 23 are those transmitted from ABC Corporation to the XYZ solicitation and sales company when establishing the GK-TK scheme shown in FIG. 1, and such transmitted contents are stored in the payment table 23 in advance. When there is a change in the contents to be stored (e.g., the payment amount), the stored contents of the payment table 23 are updated at any time.

[0110] Next, the transaction program P11 stored in the storage unit 21g will be described. The transaction program P11 defines the content that the MPU21a performs regarding the processing related to the above-described token transaction service, and also defines that in the payment processing such as the distribution amount according to the present invention, the MPU21a performs various processes as various means to assist the communication between the financial institution system 11 (financial institution server 12) and the BC system 30 (computer device 31).

[0111] Regarding the token transaction service, when a user (investor) registered for this service uses the service through a website or the like and logs in through their own communication terminal, the transaction program P11 defines various processes of the MPU21a to display a screen related to the buying and selling of tokens on the communication terminal so that the user can perform the desired transaction. And since the token does not change in price frequently like stocks and the reference price (for example, once a day) is presented by the asset manager 5, the management of token transactions through the token transaction service is performed as a daily process on a daily basis, and data (transaction data) indicating the result of the transaction (history related to the buying and selling of tokens, etc.) is sent to the BC system 30 under the control of the MPU21a (the transaction data after electronic signature is sent to the BC system 30 again as settlement data).

[0112] Also, regarding the specific processing of the payment of the distribution amount and the like according to the present invention, when the management and operation server 21 receives, via the communication module 21b, a rental fee deposit notice (information notifying the deposit amount, the depositor, the name, etc.) addressed to the BC system 30 from the financial institution server 12 indicating that the rental fee from the real estate lessee 4 of the leased real estate property has been deposited into the financial institution account of the ABC joint stock company by debit or the like, the MPU21a performs a control process of temporarily storing the received rental fee deposit notice in the RAM21c and transmitting (transferring) the rental fee deposit notice to the BC system 30.

[0113] And when the management and operation server 21 receives, via the communication module 21b, the payment information sent from the BC system 30 as described later, along with the transmission of this rental income payment notice, the MPU 21a reads and identifies the amount of the payment indicated in the payment notice stored in the RAM 21c, and calculates the trust distribution as the amount obtained by subtracting from the identified amount (the amount of the payment corresponding to the rental fee) the total amount of the payments to the trust bank 3, the asset manager 5, the administrative management company 6, the lender 7a, and the mezzanine lender 7a stored in the payment table 23.

[0114] Then, the MPU 21a performs a process of generating various payment instructions for instructing payments to the asset manager 5, the administrative management company 6, the lender 7a, the mezzanine lender 7a, and the XYZ solicitation and sales company, and transmitting them to the financial institution system 11 (financial institution server 12). Each of these various payment instructions contains the financial institution information (bank name, bank identification number, branch name, branch identification number, etc.), the financial institution account number, and the payment amount stored in the payment table 23 for each of the trust bank 3, the asset manager 5, the administrative management company 6, the lender 7a, the mezzanine lender 7a, and the XYZ solicitation and sales company (however, for the payment amount to the XYZ solicitation and sales company, the amount obtained by the above-described calculation process is included in the various payment instructions).

[0115] Also, when the management and operation server 21 receives, via the communication module 21b, a trust distribution payment notice (information notifying the payment amount, the payer, the purpose, etc.) indicating that the trust distribution has been credited to the financial institution account of the XYZ solicitation and sales company by debit or the like from the financial institution server 12, along with the transmission of the above-described various payment instructions, the MPU 21a performs a control process of temporarily storing the received trust distribution payment notice (corresponding to the principal deposit notice) in the RAM 21c and transmitting (transferring) the trust distribution payment notice to the BC system 30.

[0116] And along with the transmission of this trust dividend deposit notice, the management and operation server 21 will receive, via the communication module 21b, ratio information indicating the payment ratio of the distribution amount to the investors sent from the BC system 30 as described later. As will be described later, this ratio information includes information indicating the ratio corresponding to the number of tokens owned by each investor (user ID). Therefore, the MPU 21a refers to the information indicating the ratio corresponding to this token number and performs a process of calculating (identifying) the amount of distribution for each investor. For example, if the amount that can be used as the principal in the deposited amount (trust dividend) notified in the trust dividend deposit notice is 10 million yen (the amount related to the principal) and the payment ratio for investor A is 1%, the amount of distribution to investor A will be calculated as 100,000 yen.

[0117] Then, the MPU 21a generates a payment instruction for instructing the payment of the calculated amount for each investor and performs a process of transmitting it to the financial institution system 11 (financial institution server 12). This payment instruction includes the calculated payment amount for each investor and the financial institution account number, etc. (financial institution information necessary for payment) of each investor specified by referring to the user DB 22 as a set. By transmitting such a payment instruction, the amount distributed at the investment ratio corresponding to the number of tokens owned will be paid from the financial institution server 12 to each investor.

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

[0119] The batch processing server 25 in this embodiment also applies a general server computer (server device), similar to the financial institution server 12 and the management and operation server 21 described above. Various module devices and the like are internally connected to the MPU 25a that performs overall control and various processes by the internal connection line 25h. The various module devices and the like include a communication module 25b, a RAM 25c, a ROM 25d, an input interface 25e, an output interface 25f, a storage unit 25g, and the like. It should be noted that, similar to the financial institution server 12 and the like described above, the batch processing server 25 may be configured by combining a plurality of devices such as server computers by performing distributed processing and the like. Since the communication module 25b, the RAM 25c, the ROM 25d, the input interface 25e, and the output interface 25f have the same mechanism as in the case of the financial institution server 12 and the like, the description thereof is omitted.

[0120] The storage unit 25g stores programs, various data, various information, etc. In this embodiment, it stores a system program P20, a batch processing program P21, and the like. The system program P20 is equivalent to the system program P1 of the financial institution server 12. By the MPU 25a executing the processes based on the specified content of this system program P20, the batch processing server 25 exhibits various functions as a server computer.

[0121] The batch processing program P21 stipulates that the MPU 25a appropriately collates the transaction data of the tokens stored in the BC system 30 (including data representing the quantity of tokens owned by each investor), and reads out these transaction data from the BC system 30 at predetermined time units (for example, daily units) and stores them in the DB server 27.

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

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

[0124] That is, as described above, the batch processing server 25 reads the token transaction data from the BC system 30 and stores it in the DB server 27. Therefore, in the DB server 27, when the communication unit 27b receives the transaction data sent from the batch processing server 25, under the control of the control unit 27b, the received transaction data is written into the owned token DB 28 in the DB 27c. As a result, the content of the owned token DB 28 is updated at any time and becomes equivalent to the content stored in the BC system 30. The owned token DB 28 also serves as a backup storage means for the number of tokens owned by each investor stored in the BC system 30. In addition, the DB server 27 can also respond to inquiries about the number of tokens owned by each investor. Generally, since the DB server 27 responds faster to access requests than the BC system 30, it may be more suitable to make the above inquiries to the DB server 27.

[0125] Next, the BC system 30 will be described. The BC system 30 is composed of at least one computer device 31 which is a node. Also, the blockchain related to the BC system 30 in this embodiment is a private blockchain and is operated by the XYZ Recruitment and Sales Company. As described above, information indicating the number of tokens owned by each investor (owned token information indicating the number of tokens owned by each investor) is stored in the blockchain related to the BC system 30. Also, payment control such as distribution funds according to the present invention is performed by a smart contract arranged in the blockchain related to the BC system 30.

[0126] FIG. 11 shows an outline of the main part of the internal configuration of the computer device 31 corresponding to one of the nodes related to the BC system 30. In the computer device 31 of the present embodiment, a server computer is applied. Therefore, the internal configuration of the computer device 31 is equivalent to that of the above-described financial institution server 12, management and operation server 21, and batch processing server 25. Various module devices and the like are connected to the CPU 31a that performs overall control and various processes by the internal connection line 31h. The various module devices include a communication module 31b, a RAM 31c, a ROM 31d, an input interface 31e, an output interface 31f, a storage unit 31g, and the like.

[0127] Note that basically, various computers can be applied to the nodes used in the BC system 30. Since the main part of the internal configuration of such various computers is common to that shown in FIG. 11, FIG. 11 represents various computer devices that can be used in the nodes (for example, the content shown in FIG. 11 is basically common even for a general personal computer different from the server computer). Since the communication module 31b, the RAM 31c, the ROM 31d, the input interface 31e, and the output interface 31f have the same mechanism as that of the above-described financial institution server 12 and the like, the description thereof is omitted.

[0128] The storage unit 31g stores programs, various data, various information, etc. In the present embodiment, it stores a system program P30, a blockchain node program P31 (hereinafter referred to as the BC node program P31), an API 32, a blockchain database 33 (hereinafter referred to as the BC database 33), and the like. The system program P30 is equivalent to the system program P1 of the financial institution server 12. By the CPU 31a executing the processes based on the specified content of this system program P30, the computer device 31 exhibits various functions that a normal computer has.

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

[0130] Regarding the routing process, there is, for example, finding other nodes included in the BC system 30 and establishing a connection to a state where communication is possible. Regarding the processing of the BC database 33, when participating in the BC system 30, there are processes such as copying each block constituting the BC database 33 from other nodes to one's own node, recording the content related to the transaction in the blocks of the BC database 33, and reading the content recorded in the blocks of the BC database 33. Regarding the processing of tokens, there are processes such as issuing the tokens themselves and generating and recording the data of the transactions indicating the transactions of the issued tokens.

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

[0132] FIG. 12 is an image diagram showing the recording status of the BC database 33 stored in the storage unit 31g. The BC database 33 (corresponding to a blockchain) is a distributed ledger (distributed database) in which a series of a plurality of blocks B1, B2, B3... (see FIG. 11) are connected. In the present embodiment, token transaction data 40 corresponding to the content of token transactions, smart contracts 41, and the like are recorded in the BC database 33. Note that the blockchain corresponding to the series of a plurality of blocks B1, B2, B3... recorded in the BC database 33 is in accordance with a private chain by an authorized node (computer device 31) as described above. Further, the smart contract 41 is placed on the blockchain by being stored in the BC database 33 related to the blockchain in this way.

[0133] The token transaction data 40 is data (corresponding to owned token information) that associates the number of tokens (security tokens) with the owners of the tokens (information for identifying the owners (investors) such as user names and user IDs). Such data content is updated as needed according to token transactions. As described above, in the completed state of the batch process (daily process), it has the same data content as the owned token DB 28 stored in the DB server 27 of the management and operation system 20 (before the completion of the batch process, the data content recorded by both may differ due to the occurrence of token transactions).

[0134] In FIG. 12, the token transaction data 40 in a state where investor A owns 10 tokens (10 tokens), investor B owns 20 tokens (20 tokens), and investor C owns 30 tokens (30 tokens) is shown to be recorded by the BC database 33. In the BC database 33, transactions corresponding to token buying and selling transactions are recorded. By aggregating such transactions, the remaining token balances of each investor are recorded so that they can be known. However, it is also possible to adopt a specification in which the remaining balance of new tokens itself is newly added at any time. Note that the total number of issued tokens (total number of tokens) is also stored in the token transaction data 40.

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

[0136] With the activated smart contract 41, the CPU 31a of the computer device 31 functions as various means. Specifically, in response to receiving a rental fee payment notice via the API 32, the CPU 31a generates payment information indicating instructions for various payments and transmits it to the management and operation server 21 under the control of the activated smart contract 41. The payments indicated by this payment information include trust fees to the trust bank 3, asset management fees to the asset manager 5 (investment management fees), management fees to the trust company 6, principal and interest on loans to the lender 7a and the mezzanine lender 7a, and various payments corresponding to trust dividends to the XYZ solicitation and sales company.

[0137] Also, along with the transmission of the above-mentioned payment information, a trust dividend payment notice (equivalent to a smart contract activation notice) is sent from the financial institution system 11 (financial institution server 12) to the BC system 30 (computer device 31 as a node) through the management system 20 (management and operation server 21). Therefore, even when this trust dividend payment notice is received by the BC system 30 (computer device 31) via the API 32, the smart contract 41 is designed to be activated (started). And according to the provisions of the activated smart contract 41, the CPU 31a of the computer device 31 reads the number of tokens owned by each investor (corresponding to the value related to the distribution for each investor) from the token transaction data 40 recorded in the BC database 33, and performs a process of specifying the ratio related to the distribution for each investor based on the read quantity. For example, when the total number of tokens owned by all the read investors is 1000 units and the number of tokens owned by a certain investor (investor A) is 10 units, the CPU 31a specifies that the distribution ratio (ratio related to the distribution) of investor A is 1%.

[0138] Furthermore, based on the activated smart contract 41, the CPU 31a generates ratio information (including information indicating the ratio for each specified investor) for instructing payments to each investor at the specified distribution ratio and returns (transmits) it to the management and operation server 21.

[0139] In this way, by transmitting payment information based on the provisions of the activated smart contract 41, the payment of trust remuneration to the trust bank 3, the payment of asset management remuneration (investment management remuneration) to the asset manager 5, the payment of contract fees to the trust management company 6, the payment of principal and interest on the financing to the lender 7a and the mezzanine lender 7a, and the processing related to the payment of trust dividends to the XYZ solicitation and sales company can be started collectively, and the payments to multiple payees can be smoothly advanced under the control of the smart contract 41.

[0140] After the transmission of the payment information, by transmitting the ratio information based on the activated smart contract 41, after receiving that the payment of trust dividends to the XYZ solicitation and sales company, which is the source of the distribution funds to each investor, has been reliably made, the payment process of the distribution funds to the investors can be started, and the distribution funds can be paid to each investor at the latest ratio based on the stored content of the token information in the latest BC database 33. Even if there is a difference between the content of the owned token DB 28 stored in the DB server 27 and the number of tokens owned by each investor recorded in the BC database 33 due to the timing of the batch process, the distribution funds can be paid to each investor according to the latest number of owned tokens.

[0141] Figures 13 and 14 are the first and second flowcharts showing the processing procedures of the distribution fund payment method related to the distribution fund payment system 10 composed of the above-described financial institution system 11 (financial institution server 12), the management and operation system 20 (management and operation server 21) included in the payment control system 50, and the BC system 30 (computer device 31 including the smart contract 41). Hereinafter, based on this first and second flowchart, a series of processing contents (the contents of the distribution fund payment method according to the present invention) will be described.

[0142] In the initial stage (S1), the financial institution system 11 (financial institution server 12) determines whether the rent for the real estate lessee 4 has been credited to the financial institution account of ABC Corporation from the trust bank 3 (S1). Each real estate lessee during the contract has a contract to pay the rent to the trust bank 3 by the monthly deadline, and the total amount of rent paid by each real estate lessee is credited to the financial institution account of ABC Corporation from the trust bank 3 by means of a debit or the like.

[0143] If the rent has not been credited yet (S1: NO), it is in a waiting-for-credit state. On the other hand, if the rent has been credited (S1: YES), the financial institution server 12 generates a rent credit notice (equivalent to a smart contract activation notice) based on the notification destination information associated with ABC Corporation registered in the financial institution user table 14 (see Fig. 4), and performs a process of sending it to the BC system 30 (S2). This rent credit notice includes information indicating real estate rent as the purpose of the credit, the total rent of each real estate lessee as the credit amount, and the trust bank 3 as the source of the credit. Also, although the destination of this rent credit notice is the BC system 30, in the payment control system 50 including the BC system 30, since external communication is performed by the management and operation system 20 (management and operation server 21), the rent credit notice sent from the financial institution system 11 (financial institution server 12) is first received by the management and operation system 20 (management and operation server 21), and then sent (transferred) to the BC system 30.

[0144] The management and operation system 20 (management and operation server 21) determines in the initial stage (S10) whether it has received a rent credit notice from the financial institution server 12. If it has not received the rent credit notice (S10: NO), it is in a waiting-for-reception state. On the other hand, if it has received the rent credit notice (S10: YES), the management and operation server 21 temporarily stores the received rent credit notice in the RAM 21c, and calls the API 32 of the BC system 30 as necessary to perform a process of sending (transferring) the received rent credit notice to the BC system 30 (S11).

[0145] In the BC system 30, the computer device 31, which is a node constituting the BC system 30, determines whether or not to receive a rental fee payment notice via the management and operation server 21 at the first stage (S20). If the payment notice has not been received (S20: NO), it enters a waiting state for the notice. On the other hand, if the rental fee payment notice is received (S20: YES), the received rental fee payment notice becomes a smart contract activation trigger, and in the BC system 30 (computer device 31), the smart contract 41 is activated (started) (S21). By receiving such a rental fee payment notice, the BC system 30 (smart contract 41) can grasp that the original funds (fund sources) for various payments have been secured, and can confirm that there are no financial problems even if the processing of various payments is started.

[0146] In the BC system 30, according to the provisions of the activated smart contract 41, the CPU 31a of the computer device 31 generates payment information corresponding to each payment instruction, such as an instruction to pay the trust fee to the trust bank 3, an instruction to pay the asset management fee (investment management fee) to the asset manager 5, an instruction to pay the contract fee to the business management company 6, an instruction to pay the principal and interest for the loan to the lender 7a and the mezzanine lender 7a, and an instruction to pay the trust dividend to the XYZ solicitation and sales company (S22), and performs a process of transmitting the generated payment information to the management and operation system 20 (management and operation server 21) (S23).

[0147] Regarding the generation and transmission of the payment information, it may be either to generate and transmit a plurality of payment information for each payment target respectively, or to generate and transmit one comprehensive payment information including each payment target. Also, by transmitting the payment information, the smart contract 41 once ends the activation.

[0148] After the management and operation system 20 (management and operation server 21) sends (transfers) the rental fee payment notice at the stage of S11, it waits for the payment information to be sent from the BC system 30 (S12). If it does not receive (S12: NO), it continues to wait for the receipt of the payment information. On the other hand, when it receives the payment information (S12: YES), the management and operation server 21 refers to the respective payment amounts of the trust bank 3, asset manager 5, property management company 6, renderer 7a, and mezzanine renderer 7a stored in the payment table 23 to calculate the payment amount corresponding to the trust distribution to the XYZ solicitation and sales company by subtracting the total amount of these referenced payment amounts from the received amount indicated in the rental fee payment notice stored in the RAM 21c (the total amount of rental fees from each real estate lessee) (S13).

[0149] Then, the management and operation system 20 (management and operation server 21) generates various payment instructions including information instructing the payment of each respective payment amount to the designated financial institution accounts of the trust bank 3, asset manager 5, property management company 6, renderer 7a, mezzanine renderer 7a, and XYZ solicitation and sales company, and performs the process of sending the generated various payment instructions to the financial institution system 11 (financial institution server 12) (S14). Note that the payment amounts to the transfer destinations (trust bank 3, asset manager 5, property management company 6, renderer 7a, mezzanine renderer 7a) excluding the XYZ solicitation and sales company in these various payment instructions are according to the amounts stored in the payment table 23, and the payment amount to the XYZ solicitation and sales company is the amount calculated at the stage of S13. Also, regarding the generation and transmission of the various payment instructions, similar to the case of the above-mentioned payment information, it may be either to generate and send a plurality of payment instructions for each respective target or to generate and send one comprehensive payment instruction including each respective target.

[0150] The financial institution system 11 (financial institution server 12) is in a state of determining whether or not to receive various payment instructions as the next step after sending the rental fee payment notice at the stage of S2 (S3). If not received (S3: NO), it will wait for reception. When receiving various payment instructions sent from the management and operation server 21 at the stage of S14 described above (S3: YES), the financial institution system 11 (financial institution server 12) will perform processing related to the payment of the instructed amount from the financial institution account of ABC Co., Ltd. to each financial institution account (which may be its own account) instructed by the information included in the various payment instructions (S4).

[0151] Through the processing related to the payment at the stage of S4, the payment of the trust remuneration to the trust bank 3 monthly, the payment of the asset management remuneration (investment operation remuneration) to the asset manager 5, the payment of the contract fee to the administrative management company 6, the payment of the principal and interest for the financing to the lender 7a and the mezzanine lender 7a, and the payment of the trust dividend (equivalent to the original capital of the distribution amount) to the XYZ solicitation and sales company are carried out. Note that the processing related to the payment at S4 can be carried out either by transfer or debit. For example, the payment of the trust dividend to the XYZ solicitation and sales company is carried out by debit, and the others are assumed to be paid by transfer.

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

[0153] The management and operation system 20 (management and operation server 21) determines whether it will receive a trust dividend deposit notice addressed to the BC system 30 after sending various payment instructions at the stage of S14 (S15). If it does not receive it (S15: NO), it continues to wait for reception. Also, when it receives a trust dividend deposit notice (S15: YES), the operation management server 21 temporarily stores the received trust dividend deposit notice in the RAM 21c, and calls the API 32 of the BC system 30 as necessary to perform the process of sending (transferring) the trust dividend deposit notice to the BC system 30 (S16).

[0154] In the BC system 30, the computer device 31 which is a node constituting the BC system 30 determines whether it receives a trust dividend deposit notice sent via the management and operation system 20 (management and operation server 21) after sending payment information at the stage of S23 (S24). If it has not received it (S24: NO), it enters a state of waiting for reception (waiting for notice). Also, when it receives a trust dividend deposit notice (S24: YES), the received trust dividend deposit notice becomes a smart contract activation trigger, and in the blockchain related to the BC system 30, the smart contract 41 is activated (started) (S25). Note that by receiving such a trust dividend deposit notice, it can be understood that in the BC system 30 (smart contract 41), the source (source of funds) for the distribution amount to each investor has been secured, and the payment process of the distribution amount can be advanced to confirm that there are no financial problems.

[0155] In the BC system 30, based on the provisions of the activated smart contract 41, the CPU 31a of the computer device 31 reads out the number of tokens owned by each investor (corresponding to the value related to the distribution for each investor) according to the token ownership information of the token transaction data 40 recorded in the BC database 33, and specifies the ratio related to the distribution for each investor according to each read quantity (S26). Then, based on the provisions of the activated smart contract 41, the computer device 31 (CPU 31a) generates ratio information including an instruction to pay the distribution amount to each investor at the specified ratio (S27), and performs a process of transmitting the generated ratio information to the management and operation system 20 (management and operation server 21) (S28). Note that by transmitting this ratio information, the smart contract 41 ends its activation.

[0156] After the management and operation system 20 (management and operation server 21) transmits (transfers) the trust dividend payment notice at the stage of S16, it enters a state of waiting for the ratio information to be sent from the BC system 30 (S17). If it does not receive it (S17: NO), it continues to wait for the receipt of the ratio information. On the other hand, when it receives the ratio information (S17: YES), the management and operation server 21 allocates the amount that can be used for the distribution from the trust dividend included in the trust dividend payment notice stored in the RAM 21c to each investor at the ratio related to the payment for each investor included in the received ratio information, and specifies the amount to be distributed to each investor (S18). For example, if the amount that can be used for distribution in the trust dividend notified in the trust dividend payment notice is 10 million yen and the payment ratio of investor A instructed by the ratio information is 1%, the management and operation system 20 (management and operation server 21) specifies that the amount of the distribution to investor A is 1% of 10 million yen, which is 100,000 yen.

[0157] Then, in order to pay the specified amount to each investor, the management and operation system 20 (management and operation server 21) generates a payment instruction instructing the payment of the specified amount (corresponding to the amount of the distribution for each investor) to the financial institution accounts of each investor registered in the user DB 22, and performs a process of transmitting it to the financial institution system 11 (financial institution server 12) (S19).

[0158] The financial institution system 11 (financial institution server 12) is in a state where, at the stage of S5, after sending a trust dividend deposit notice, as the next stage, it determines whether a payment instruction has been received (S6). If not received (S6: NO), it waits for reception. On the other hand, when the payment instruction sent at the stage of S19 described above is received (S6: YES), the financial institution system 11 (financial institution server 12) performs processing related to the payment of the instructed amount from the financial institution account of the XYZ solicitation and sales company to the financial institution accounts of each investor instructed by the payment instruction (S7). Through the payment processing at this stage of S7, with the payment of the monthly rent of the real estate lessee, each investor can obtain a monthly distribution amount, and the amount that can be obtained is according to the latest token quantity owned by each investor stored in the BC system 30, so that the profit corresponding to the investment can be obtained.

[0159] As described above, in the present invention, the payment of the trust remuneration to the trust bank 3, the payment of the asset management remuneration (investment management remuneration) to the asset manager 5, the payment of the contract fee to the administrative management company 6, the payment of the principal and interest on the financing to the lender 7a and the mezzanine lender 7a, and the payment of the trust dividend to the XYZ solicitation and sales company are carried out due to the payment information by the smart contract 41, and the payment of the distribution amount to each investor is carried out due to the payment instruction by the smart contract 41. Therefore, various payments in the GK-TK scheme can be smoothly carried out under the control mainly by the smart contract 41.

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

[0161] When removing the content shown in the first flowchart of FIG. 13 (the content related to the respective payments to the trust bank 3, the asset manager 5, the administrative management company 6, the lender 7a, the mezzanine lender 7a, and the XYZ solicitation and sales company) from the processing based on the smart contract 41, the content shown in the second flowchart of FIG. 14 becomes the processing content based on the smart contract 41, and the processing according to the present invention starts with the trust dividend deposit notice (the notice of the deposit of the trust dividend to the XYZ solicitation and sales company) transmitted by the financial institution server 12.

[0162] When the content shown in the first flowchart of FIG. 13 deviates from the processing based on the smart contract 41 as described above, it is conceivable to perform the processing content carried out by the BC system 30 shown in the first flowchart of FIG. 13 in the management and operation system 20 (management and operation server 21). Specifically, at the stage of S10, when receiving the payment notice of the rent sent from the financial institution server 12 (S10: YES), without transferring the payment notice to the BC system 30 (without performing the processing of S11 and 12), the processing at the stage of S13 (calculation of the amount of trust distribution to the XYZ solicitation and sales company) is performed, and then the processing at the stage of S14 (transmission of various payment instructions instructing the transfer of each payment amount to the designated financial institution accounts of the trust bank 3, asset manager 5, business management company 6, lender 7a, mezzanine lender 7a, and XYZ solicitation and sales company respectively) is performed. In such a modification example, since the processing target based on the smart contract 41 can be limited to the processing related to the payment of distribution funds to each investor (the processing shown in the second flowchart of FIG. 14), while reducing the processing burden on the BC system 30, by not intervening the BC system 30 in the payment processing to the trust bank 3, asset manager 5, business management company 6, lender 7a, mezzanine lender 7a, and XYZ solicitation and sales company, the speed of these payment processes can be increased.

[0163] Furthermore, in addition to performing the processing content carried out in the BC system 30 shown in the first flowchart of FIG. 13 by the management and operation system 20 (management and operation server 21), it is also conceivable to perform all the processing in the financial institution system 11 (financial institution server 12). That is, in the case of this modification example, payment information (information such as the payment account destination and the payment amount) shown in the payment table 23 shown in FIG. 8 is stored in advance in the financial institution server 12 (for example, stored in the storage unit 12g). When the financial institution server 12 determines (detects) that there has been a deposit of the rent of the real estate lessee 4 from the trust bank 3 to the financial institution account of the ABC joint company (see S1: YES in the first flowchart of FIG. 13), triggered by the fact that there has been such a deposit, the financial institution server 12 refers to the stored payment information and performs a transfer process of a predetermined amount to the respective predetermined financial institution accounts of the trust bank 3, the asset manager 5, the property management company 6, the lender 7a, and the mezzanine lender 7a. Furthermore, from the amount of the rent deposit, the total payment amount to the trust bank 3, the asset manager 5, the property management company 6, the lender 7a, and the mezzanine lender 7a is subtracted to calculate the payment amount to the XYZ solicitation and sales company, and the process of depositing the calculated amount into the financial institution account of the XYZ solicitation and sales company is also performed. By doing so, it is also possible to perform all the content shown in the first flowchart of FIG. 13 in the financial institution system 11 (financial institution server 12).

[0164] In addition, regarding the processing content performed in the BC system 30 shown in the first flowchart of FIG. 13, each payment to the trust bank 3, asset manager 5, administrative management company 6, lender 7a, mezzanine lender 7a, and XYZ solicitation and sales company was targeted for payment information. However, instead of targeting all of these payments to the trust bank 3, asset manager 5, administrative management company 6, lender 7a, mezzanine lender 7a, and XYZ solicitation and sales company for the payment information generated by the BC system 30, in order to reduce the processing load of the BC system 30, at least any one of the above-mentioned payments may be targeted for payment information. For items excluded from the target of the payment information from the BC system 30, it is conceivable to perform them in the management and operation system 20 (management and operation server 21) or the financial institution system 11 (financial institution server 12) as in the above-described modification example, or by an operation instruction from an operator.

[0165] Regarding the processing based on the smart contract 41, when excluding the payment process for the distribution amount to each investor (the process shown in the second flowchart of FIG. 14), the content shown in the first flowchart of FIG. 13 becomes the processing content based on the smart contract 41. In this case, the management and operation system 20 (management and operation server 21) shall perform the processing content performed by the BC system 30 shown in the second flowchart of FIG. 14. Specifically, at the stage of S15, when receiving the trust dividend deposit notice sent from the financial institution system 11 (financial institution server 12) (S15: YES), without transferring the trust dividend deposit notice to the BC system 30 (without performing the processing of S16 and 17), instead, referring to the ownership token information included in the ownership token DB 28 stored in the DB server 27, specifying the quantity of tokens owned by each investor, specifying the payment ratio for each investor according to the specified quantity, and then performing the processing at the stage of S18 (specifying the payment amount to each investor).

[0166] Note that when the operation management server 21 identifies the quantity of tokens owned by each investor in this way, the quantity of tokens owned by each investor stored in the BC data 40 of the BC system 30 may differ from the content of the owned token DB 28 stored in the DB server 27 depending on the timing of daily processing (batch processing), the token trading period, etc. Therefore, with reference to the owned token information included in the owned token DB 28 (see Fig. 10) after daily processing (batch processing) is performed, a process of identifying the quantity of tokens owned by each investor is performed, or in the contract content in which each investor conducts token trading, it is preferable to clarify that the determination of the amount of distribution money is based on the owned token information included in the owned token DB 28 at a certain point in time (for example, the time when payment processing is performed on the financial institution server 12 at the stage of S4).

[0167] Furthermore, in the process shown in the second flowchart of Fig. 14, instead of omitting all the processes of the BC system 30, it is also possible to omit only a part of them and perform the omitted processes in the management and operation system 20 (operation management server 21). Specifically, at the stage of S26 in the second flowchart of Fig. 14, without specifying the ratio related to the distribution for each investor, according to the owned token information of the token trading data 40 recorded in the BC database 33, only read out the number of tokens owned by each investor (corresponding to the value related to the distribution for each investor), and send the information indicating the number of tokens owned by each investor read out to the management and operation system 20 (operation management server 21). In this case, in the management and operation system 20 (operation management server 21), when receiving the information indicating the number of tokens owned by each investor, based on the received information, specify the ratio related to the distribution for each investor, and based on the specified ratio, specify the amount of payment to be distributed to each investor. In such a modification example, while reducing the processing load of the BC system 30, the amount of payment for each investor can be determined based on the owned token information of the token trading data 40 recorded in the BC database 33, so it is preferable.

[0168] In addition, in the above-described embodiment, the object of the investment related to the token (security token) has been described in the case of leased real estate. However, the object of the investment related to the token is not limited to leased real estate, and the present invention can also be applied to various real estates (such as station buildings, tenant buildings, hospitals, nurseries, etc.), various facilities (such as sports facilities, cultural facilities, tourism facilities, etc.), various businesses (such as energy business, power generation business, environmental regeneration business, new product development business, accounts receivable business, precious metal and special metal business, art business, livestock-related business, crop-related business, food and beverage-related business, etc.), various movable properties (such as airplanes, ships, buses, etc.), various entertainment businesses (such as movie-related business, game-related business, idol and entertainer-related business, entertainment-related business, sports-related business, etc.). Furthermore, regarding the above-described investment objects, the present invention may also be used when using a scheme other than the GK-TK scheme.

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

[0170] Also, regarding the number of nodes constituting the BC system 30, in addition to using a plurality of nodes, when emphasizing the improvement of processing speed and manageability, the blockchain may be constituted by one node (computer device 31). In such a case, it is also preferable to introduce the specifications of virtual machines to virtually provide a plurality of nodes.

Example

[0171] FIG. 15 shows the overall system configuration of the distribution payment system 100 according to the second embodiment of the present invention. Similar to the first embodiment, the distribution payment system 100 according to the second embodiment communicably connects the financial institution system 110 and the payment control system 500 via a wide-area network NW, and also communicably connects the management and operation system 200 and the BC system 300 included in the payment control system 500 to each other. As a feature of the second embodiment, the BC system 300 is also communicably connected to the financial institution system 110 via the wide-area network NW. Thereby, in the second embodiment, without passing through the management and operation system 200, it is possible to transmit a rental fee payment notice, a trust dividend payment notice, etc. from the financial institution system 110 to the BC system 300. In the following description of the second embodiment, the same reference numerals as those in the first embodiment will be used for those equivalent to the first embodiment (excluding the reference numerals of the distribution payment system 100, the financial institution system 110, the management and operation system 200, and the BC system 300 mentioned above).

[0172] The financial institution system 110 performs processes related to payment based on payment instructions, and basically adopts the same configuration as the financial institution system 11 in the first embodiment, and has a financial institution server 12 and an account DB device 15. The differences from the first embodiment are as follows: in the financial institution user table 14 stored in the storage unit of the financial institution server 12, in order to send a rental fee payment notice and a trust dividend payment notice to the BC system 300, when there is a rental fee payment from the trust bank 3 to the financial institution account of the ABC joint company, the direct address related to the BC system 30 is registered as the notification destination, and when there is a trust dividend payment from the ABC joint company to the financial institution account of the XYZ recruitment and sales company, the direct address related to the BC system 30 is registered as the notification destination. Also, when the financial institution server 12 sends these notifications to the BC system 30, it may call the API 32 of the node (computer device 31) related to the BC system 30 and transmit these notification contents as arguments.

[0173] The management and operation system 200 included in the payment control system 500 also basically has the same configuration as the management and operation system 20 of the first embodiment, and includes an operation management server 21, a batch processing server 25, and a DB server 27. The difference from the first embodiment is that in the operation management server 21, the process of transferring the rental fee payment notice and the trust dividend payment notice to the BC system 300 is omitted.

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

[0175] The third and fourth flowcharts shown in FIGS. 16 and 17 show the processing procedures of the distribution payment method of the present invention related to the distribution payment system 100 according to the second embodiment. In the first stage (S50) of the third flowchart in FIG. 16, similar to the stage of S1 in the first flowchart (see FIG. 13) of the first embodiment, the financial institution server 12 of the financial institution system 110 determines whether there is a rental fee payment from the trust bank 3 to the financial institution account of the ABC joint company of the real estate lessee 4 (S50). If there is still no rental fee payment (S50: NO), it is in a waiting state for payment.

[0176] On the other hand, if there is a rental fee payment (S50: YES), the financial institution server 12 generates a rental fee payment notice (corresponding to a smart contract activation notice) based on the notification destination information associated with the ABC joint company registered in the financial institution user table 14 of the second embodiment, calls the API 32 related to the BC system 300, and directly sends the rental fee payment notice to the BC system 300 (the node related to the BC system 300) (S51).

[0177] The computer device 31, which is a node constituting the BC system 300 of the second embodiment, determines in the first stage (S70) whether or not it has received a rental fee payment notice directly sent from the financial institution server 12. If it has not received the payment notice (S70: NO), it enters a waiting state for the notice. On the other hand, if it has received the rental fee payment notice (S70: YES), thereafter, in the stages from S71 to S73, it performs the same processing as each stage from S21 to S23 in the first flowchart of FIG. 13, and finally performs a process of transmitting payment information to the management and operation server 21 of the solicitation and sales system 200 of the second embodiment (S73).

[0178] The management and operation server 21 of the solicitation and sales system 200 of the second embodiment determines in the first stage (S60) whether or not payment information is sent from the BC system 30. If it has not received it (S60: NO), it waits for the reception of payment information. On the other hand, if it has received the payment information (S60: YES), thereafter, in the stages of S61 and 62, it performs the same processing as each stage of S13 and 14 in the first flowchart of FIG. 13, and finally performs a process of transmitting various payment instructions to the financial institution server 12 of the financial institution system 110 of the second embodiment (S62).

[0179] After the financial institution server 12 of the financial institution system 110 of the second embodiment sends a payment notice at the stage of S51, it is in a state of determining whether or not it has received various payment instructions, similar to the stage of S3 in the first flowchart of FIG. 13 (S52). If it has not received it (S52: NO), it waits for the reception. If it has received various payment instructions (S52: YES), similar to the stage of S4 in the first flowchart of FIG. 13, the financial institution server 12 executes a payment process for the amount instructed from the financial institution account of ABC Corporation to each financial institution account instructed by the information included in the various payment instructions (S53), and pays the trust remuneration to the trust bank 3 monthly, pays the asset management remuneration (investment management remuneration) to the asset manager 5, pays the contract fee to the administrative management company 6, pays the principal and interest on the loan to the lender 7a and the mezzanine lender 7a, and pays the trust dividend to the XYZ solicitation and sales company.

[0180] As described above, compared with the first flowchart shown in FIG. 13, the process of the third flowchart in the second embodiment has the advantage that the payment notice of the lease fee can be directly sent from the financial institution system 110 to the BC system 300, reducing the processing burden on the recruitment and sales system 200 and enabling a concise overall processing flow.

[0181] Next, based on the fourth flowchart shown in FIG. 17, the processing content (content of the distribution payment method) regarding the payment of distribution funds to each investor according to the second embodiment will be described. When the financial institution system 110 (financial institution server 12) of the second embodiment also completes the deposit of the trust dividend to the XYZ recruitment and sales company, it will send a deposit notice of the trust dividend notifying the completion of the deposit. However, based on the notification destination information associated with the XYZ recruitment and sales company registered in the financial institution user table 14 of the second embodiment, this trust dividend deposit notice (corresponding to the smart contract activation notice) is processed by calling the API 32 related to the BC system 300 and sending it to the BC system 300 (the node related to the BC system 300) (S54).

[0182] The computer device 31, which is a node constituting the BC system 300 of the second embodiment, determines whether to receive a trust dividend deposit notice (a notice of the completion of the trust dividend deposit to the XYZ recruitment and sales company, corresponding to the smart contract activation notice) transferred from the financial institution server 12 after sending the payment information at the stage of S73 shown in the third flowchart of FIG. 16 (S74). If not received (S74: NO), it will be in a waiting state for the notice. On the other hand, when the above deposit notice is received (S74: YES), then, at the stages from S75 to S78, the same processing as each stage from S25 to S28 in the second flowchart of FIG. 14 is performed, and finally, the ratio information is sent to the management and operation server 21 of the recruitment and sales system 200 of the second embodiment (S78).

[0183] After the management and operation server 21 of the solicitation sales system 200 of the second embodiment transmits various payment instructions at the stage of S62 shown in the third flowchart of FIG. 16, it determines whether or not it has received the ratio information sent from the BC system 300 (S63). If it has not received it (S63: NO), it waits for reception. On the other hand, if it has received the ratio information (S63: YES), thereafter, at the stages of S64 and 65, the same processing as each stage of S18 and 19 in the second flowchart of FIG. 14 is performed, and finally, a payment instruction is sent to the financial institution server 12 of the financial institution system 110 of the second embodiment (S65).

[0184] After the financial institution server 12 of the financial institution system 110 of the second embodiment transmits a deposit notice of the trust dividend at the stage of S54, it is in a state of determining whether or not a payment instruction has been received in the same manner as in the stage of S6 in the second flowchart of FIG. 14 (S55). If it has not received it (S55: NO), it waits for reception. If it has received a payment instruction (S55: YES), the financial institution server 12 performs processing related to the payment of the amount of the allocated funds instructed to the financial institution accounts of each investor instructed by the information included in the payment instruction from the financial institution account of the XYZ solicitation sales company to the financial institution accounts of each investor in the same manner as in the stage of S7 in the second flowchart of FIG. 14 (S56).

[0185] As described above, the processing of the fourth flowchart in the second embodiment can reduce the processing burden of the solicitation sales system 200 by directly delivering the deposit notice of the trust dividend from the financial institution system 110 to the BC system 30 compared to the second flowchart shown in FIG. 14, and there is an advantage that the general processing flow can be performed simply. Note that the second embodiment is the same as the first embodiment except for the above-described content.

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

[0187] The fifth and sixth flowcharts shown in FIGS. 18 and 19 show the processing procedures of the distribution payment method of the present invention related to the distribution payment system 100 according to the modification of the second embodiment described above. In these fifth and sixth flowcharts, the processing on the side of the financial institution system 110 (financial institution server 12) is basically the same as the content shown in the above-described third and fourth flowcharts. The financial institution server 12 determines whether there is an incoming rental payment from the real estate lessee 4 to the financial institution account of the ABC joint company from the trust bank 3 (S80). If there is no incoming rental payment (S80: NO), it enters a waiting state for payment. If there is an incoming rental payment (S80: YES), it generates a rental payment notice (corresponding to a smart contract activation notice), calls the API 32 related to the BC system 300, and performs the process of transmitting it to the BC system 300 (S81).

[0188] The computer device 31, which is a node constituting the BC system 300, also initially performs basically the same processing as that shown in the above-described third and fourth flowcharts. It determines whether a rental fee payment notice has been received from the financial institution server 12 (S90). If no payment notice has been received (S90: NO), it enters a waiting state for the notice. On the other hand, if a rental fee payment notice has been received (S90: YES), it activates the smart contract 41 (S91). According to the provisions of the activated smart contract 41, the CPU 31a of the computer device 31 (node) refers to the payment amounts of the trust bank 3, asset manager 5, property management company 6, lender 7a, and mezzanine lender 7a stored in the payment table 23 stored in the BC system 300. It subtracts the total of these referenced payment amounts from the received payment amount indicated in the payment notice (the total rental fee from each real estate lessee) to calculate the payment amount corresponding to the trust distribution to the XYZ solicitation and sales company (S92).

[0189] Then, the CPU 31a of the computer device 31 (node) refers to the user DB 22 (see Figure 7) stored in the BC system 300 and generates various payment instructions (including management fee payment instructions, trust remuneration payment instructions, remuneration payment instructions, principal and interest payment instructions, and trust distribution payment instructions) to instruct the payment of each payment amount to the designated financial institution accounts of the trust bank 3, asset manager 5, property management company 6, lender 7a, mezzanine lender 7a, and XYZ solicitation and sales company respectively. It performs the process of transmitting the generated various payment instructions to the financial institution system 110 (financial institution server 12) (S93). Note that the processing at this stage of S92 and 93 corresponds to the processing performed by the solicitation and sales system 200 (management and operation server 21) in the above description (see the stages of S61 and S62 in the third flowchart of Figure 16).

[0190] In addition, when transmitting various payment instructions to the financial institution system 110 (financial institution server 12), the computer device 31 (CPU 31a), which is a node, may read the financial institution API 13 (see FIG. 3) and pass the content (information) of the various payment instructions as an argument, and use a form in which the various payment instructions are transmitted to the financial institution system 110 (financial institution server 12).

[0191] After the financial institution server 12 of the financial institution system 110 transmits a rental payment notice at the stage of S81, it determines whether various payment instructions have been received (S82) in the same manner as in S3 and S52 in the above-described first and third flowcharts. If not received (S82: NO), it waits for reception. If received (S82: YES), the financial institution server 12 executes processing related to the payment of the instructed amount from the financial institution account of ABC Co., Ltd. to each financial institution account instructed by the information included in the various payment instructions, in the same manner as in S4 and S53 in the above-described first and third flowcharts (S83).

[0192] By the processing according to such a modification example, along with the payment of the rent of the monthly real estate lessee, the payment of the trust fee to the trust bank 3 monthly, the payment of the asset management fee (investment management fee) to the asset manager 5, the payment of the contract fee to the administrative management company 6, the payment of the principal and interest on the financing to the lender 7a and the mezzanine lender 7a, and the payment of the trust dividend to the XYZ solicitation and sales company will be made. Also, in this modification example, in each of the above payments, since the solicitation and sales system 200 (management and operation server 21) is not involved, there is an advantage that the processing load on the solicitation and sales system 200 (management and operation server 21) can be reduced, and a situation can be ensured in which it is easy for the solicitation and sales system 200 (management and operation server 21) to concentrate on the trading process of tokens (security tokens) and the like.

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

[0194] After the computer device 31 of the node related to the BC system 300 sends various payment instructions at the stage of S93 above, it determines whether a deposit notice of the trust distribution (corresponding to a smart contract activation notice) has been received (S94). If not received (S94: NO), it enters a waiting state for reception. On the other hand, when a deposit notice of the trust distribution is received (S94: YES), the smart contract 41 is activated (S95). Based on the provisions of the activated smart contract 41, the CPU 31a of the computer device 31 (node) specifies the number of owned tokens for each investor (corresponding to the value related to the distribution for each investor) according to the owned token information included in the token transaction data 40 recorded in the BC database 33 (S96), and at the ratio of the specified number, the amount that can be used as the original capital (the amount related to the original capital) among the trust distributions included in the received trust distribution deposit notice is allocated to each investor, and the amount to be distributed to each investor (the amount of payment for each investor) is specified (S97).

[0195] Subsequently, the CPU 31a of the computer device 31 (node) generates a payment instruction for instructing the payment of each payment amount identified at the stage of S97 (corresponding to the amount to be paid as the distribution for each investor) to the financial institution accounts of each investor registered in the user DB 22 based on the provisions of the activated smart contract 41, and performs a process of transmitting the generated payment instruction to the financial institution system 110 (financial institution server 12) (S98). Note that also at the time of this transmission, similar to the case of transmitting various payment instructions described above, the computer device 31 (CPU 31a) which is a node may use a form of reading the financial institution API 13 and transmitting the payment instruction to the financial institution system 110 (financial institution server 12) so as to pass the content of the payment instruction as an argument.

[0196] The financial institution server 12 of the financial institution system 110 determines whether a payment instruction has been received after transmitting the deposit notice of the trust distribution at the stage of S84 (S85). If not received (S58: NO), it waits for reception. If a payment instruction is received (S85: YES), the financial institution server 12 performs a process related to the payment of the amount of the distribution instructed to the financial institution accounts of each investor instructed by the information included in the payment instruction from the financial institution account of the XYZ solicitation and sales company (S86).

[0197] In this way, the process of the sixth flowchart according to the modification example also does not involve the solicitation and sales system 200 (management and operation server 21) in the process related to the payment of the distribution to each investor. Also in this regard, there is an advantage that the processing load of the solicitation and sales system 200 (management and operation server 21) can be reduced, and a situation where it is easy to concentrate the solicitation and sales system 200 (management and operation server 21) on the trading process of tokens (security tokens) etc. can be ensured. Note that also in such a second embodiment (including the modification example according to the second embodiment described above), the application of various modification examples according to the first embodiment described above is possible.

Industrial Applicability

[0198] The present invention is suitably applicable to the use of tokens in a blockchain for investment, and smoothly executing the process related to the payment of distribution funds to each investor by a smart contract arranged on the blockchain.

Explanation of Signs

[0199] 10, 100 Distribution fund payment system 11, 110 Financial institution system 12 Financial institution server 13 Financial institution API 14 Financial institution user table 15 Account DB device 16 Financial institution account DB 20, 200 Management and operation system 21 Management and operation server 22 User DB 23 Payment table 25 Batch processing server 27 DB server 28 Owned token DB 30, 300 BC system 31 Computer device (node) 32 API 33 BC database 40 Token transaction data 41 Smart contract NW Network

Claims

1. A distribution payment system comprising a financial institution system that performs processes related to payments based on payment instructions, and a blockchain system related to a blockchain in which a smart contract is arranged, wherein the financial institution system is a system external to the blockchain system and is configured to perform processes related to the payment of distribution funds to investors. The blockchain records ownership token information indicating the number of tokens owned by each investor. The financial institution system includes means for transmitting a principal deposit notice notifying the deposit of the principal for the distribution funds to the blockchain system. The smart contract is triggered to activate based on the transmitted principal deposit notice. The blockchain system includes means for identifying, based on the activated smart contract and according to the ownership token information recorded in the blockchain, the amount to be distributed to each investor for the deposited principal. and means for transmitting a payment instruction to the financial institution system to instruct the payment of the amount for each investor identified based on the activated smart contract. The financial institution system when receiving the payment instruction, includes means for performing processes related to the payment of the amount for each investor instructed by the received payment instruction to the financial institution accounts of the respective investors. A distribution payment system characterized by this.

2. The object related to the investment of the investor corresponds to the leased property. The leased property has a trust set up, is an object of investment and operation, and is purchased by financing. The financial institution system includes means for transmitting a lease payment notice notifying that there has been a deposit related to the lease payment to the blockchain system. The smart contract is triggered to activate by the transmitted lease payment notice. The blockchain system includes means for calculating, based on the activated smart contract, the trust distribution to the token trader by subtracting the management fee to the manager of the leased property, the trust remuneration to the trust trustee, the remuneration to the investment operator, and the principal and interest to the financier from the lease payment. and means for transmitting various payment instructions to the financial institution system to instruct the payment of the management fee to the manager, the trust remuneration to the trust trustee, the remuneration to the investment operator, the principal and interest to the financier, and the calculated trust distribution to the token trader based on the activated smart contract. The distribution payment system characterized by this. ​ The financial institution system The distribution payment system according to claim 1, further comprising means for performing processing related to payment of management fees to a financial institution account related to an administrator, payment of trust remuneration to a financial institution account related to a trust trustee, payment of remuneration to a financial institution account related to an investment manager, and payment of trust dividends to a financial institution account related to a token trader when receiving the various payment instructions.

3. The object related to the investment of the investor corresponds to the leased property, The financial institution system comprises means for transmitting a lease payment notice notifying that there has been a payment related to the lease fee to the blockchain system, The smart contract is configured to be activated by the transmitted lease payment notice, The blockchain system Comprises means for transmitting a management fee payment instruction instructing payment of management fees to the administrator of the leased property to the financial institution system based on the activated smart contract, The financial institution system The distribution payment system according to claim 1, further comprising means for performing processing related to payment of management fees to a financial institution account related to an administrator when receiving the management fee payment instruction.

4. A trust is set for the leased property, The blockchain system Comprises means for transmitting a trust remuneration payment instruction instructing payment of trust remuneration to the trust trustee to the financial institution system based on the smart contract activated by the lease payment notice, The financial institution system The distribution payment system according to claim 3, further comprising means for performing processing related to payment of trust remuneration to a financial institution account related to a trust trustee when receiving the trust remuneration payment instruction.

5. The leased property is an object of investment operation, The blockchain system Comprises means for transmitting a remuneration payment instruction instructing payment of remuneration to the investment manager to the financial institution system based on the smart contract activated by the lease payment notice, The financial institution system The distribution payment system according to claim 3 or claim 4, further comprising means for performing processing related to payment of remuneration to a financial institution account related to an investment manager when receiving the remuneration payment instruction.

6. The leased property was purchased by means of financing, The blockchain system Comprises means for transmitting a principal and interest payment instruction instructing payment of principal and interest to the financier to the financial institution system based on the smart contract activated by the lease payment notice, The financial institution system The distribution payment system according to any one of claims 3 to 5, comprising means for performing processing related to the payment of principal and interest to the financial institution account related to the borrower when receiving the principal and interest payment instruction.

7. In a distribution payment system comprising a financial institution system that performs processing related to payment based on a payment instruction, a blockchain system related to a blockchain in which a smart contract is arranged, and a management and operation system capable of communicating with the blockchain system, the financial institution system is a system external to the blockchain system and is configured to perform processing related to the payment of distribution funds to investors. The blockchain records ownership token information indicating the number of ownership tokens for each investor. The financial institution system is provided with means for transmitting a principal deposit notice notifying the deposit of the principal for the distribution funds to the blockchain system. The smart contract is triggered to activate based on the transmitted principal deposit notice. The blockchain system Based on the activated smart contract, means for specifying the ratio related to the distribution for each investor according to the ownership token information recorded in the blockchain. Based on the activated smart contract, means for transmitting ratio information including information indicating the ratio for each investor specified to the management and operation system. Comprising The management and operation system When receiving the ratio information, means for specifying the amount to be distributed to each investor for the amount related to the deposited principal according to the ratio for each investor indicated by the received ratio information. Means for transmitting a payment instruction for the amount for each investor specified to the financial institution system. Comprising The financial institution system When receiving the payment instruction, it is provided with means for performing processing related to the payment of the amount for each investor indicated by the received payment instruction to the financial institution account related to each investor. The distribution payment system is characterized in this.

8. The object related to the investment of the investor corresponds to the leased property. The leased property has a trust set up, is an object of investment operation, and is purchased by financing. The financial institution system is provided with means for transmitting a lease payment notice notifying that there has been a payment related to the lease fee to the blockchain system. The smart contract is triggered to activate by the transmitted lease payment notice. The blockchain system is provided with means for transmitting payment information for instructing payment of management fees to the administrator, trust remuneration to the trust trustee, remuneration to the investment manager, principal and interest to the financier, and trust dividends to the token trader to the management and operation system based on the activated smart contract. The management and operation system when receiving the payment information, subtracts the management fee to the administrator of the leased property, the trust remuneration to the trust trustee, the remuneration to the investment manager, and the principal and interest to the financier from the lease fee to calculate the trust dividend to the token trader, and means for transmitting various payment instructions for instructing payment of the management fee to the administrator, the trust remuneration to the trust trustee, the remuneration to the investment manager, the principal and interest to the financier, and the calculated trust dividend to the token trader to the financial institution system. The distribution payment system according to claim 7, comprising: The financial institution system when receiving the various payment instructions, is provided with means for performing processing related to payment of the management fee to the financial institution account related to the administrator, payment of the trust remuneration to the financial institution account related to the trust trustee, payment of the remuneration to the financial institution account related to the investment manager, and payment of the trust dividend to the financial institution account related to the token trader.

9. The blockchain system is provided with an application programming interface, and the smart contract is configured to be activated upon receipt of the original capital deposit notice via the application programming interface. The distribution payment system according to any one of claims 1 to 8.

10. The blockchain system is provided with an application programming interface, and the smart contract is configured to be activated upon receipt of the lease fee deposit notice via the application programming interface. The distribution payment system according to any one of claims 2, 3, 4, 5, 6, 8.

11. In a blockchain system that causes an external system, the financial institution system, which performs processing related to payment based on a payment instruction, to perform processing related to payment of the distribution amount to the investor by a payment instruction based on a smart contract arranged on the blockchain, ownership token information indicating the number of tokens owned by each investor is recorded on the blockchain. The smart contract is configured to be triggered by a source fund deposit notice that notifies the deposit of the source funds related to the distribution funds from an external financial institution system, Based on the triggered smart contract, means for identifying the amount to be distributed to each investor according to the ownership token information recorded in the blockchain for the source funds received; Based on the triggered smart contract, means for transmitting a payment instruction for instructing the payment of the amount for each identified investor to an external financial institution system A blockchain system characterized by comprising.

12. Comprising an application programming interface, The blockchain system according to claim 11, wherein the smart contract is configured to be triggered upon receipt of the source fund deposit notice via the application programming interface.

13. The object related to the investment of the investor corresponds to the leased property, The leased property has a trust set up, is an object of investment operation, and is purchased by means of financing, The smart contract is configured to be triggered by a lease fee deposit notice that notifies that there has been a deposit related to the lease fee from an external financial institution system, Based on the triggered smart contract, means for calculating the trust dividend to the token trader by subtracting the management fee to the administrator of the leased property, the trust remuneration to the trust trustee, the remuneration to the investment operator, and the principal and interest to the financier from the lease fee; Based on the triggered smart contract, means for transmitting various payment instructions for instructing the payment of the management fee to the administrator, the trust remuneration to the trust trustee, the remuneration to the investment operator, the principal and interest to the financier, and the calculated trust dividend to the token trader to an external financial institution system The blockchain system according to claim 11 or claim 12, characterized by comprising.

14. Comprising an application programming interface, The blockchain system according to claim 13, wherein the smart contract is configured to be triggered upon receipt of the lease fee deposit notice via the application programming interface.

15. A payment control system that includes a blockchain system related to a blockchain in which smart contracts are arranged and a management and operation system capable of communicating with the blockchain system, and causes a financial institution system, which is an external system that performs processing related to payment based on a payment instruction, to perform processing related to the payment of distribution funds to investors. In this system, ownership token information indicating the number of tokens owned by each investor is recorded in the blockchain, the smart contract is triggered to activate by a principal deposit notice that notifies the deposit of the principal related to the distribution funds from an external financial institution system, the blockchain system, based on the activated smart contract, means for specifying the ratio related to the distribution for each investor according to the ownership token information recorded in the blockchain, means for transmitting ratio information including information indicating the ratio for each specified investor to the management and operation system based on the activated smart contract is provided, the management and operation system, when receiving the ratio information, means for specifying the amount to be distributed to each investor for the amount related to the deposited principal according to the ratio for each investor indicated by the received ratio information, means for transmitting a payment instruction for the amount for each specified investor to an external financial institution system characterized in that it comprises. A payment control system according to claim 15,

16. the blockchain system includes an application programming interface, the smart contract is triggered to activate upon receiving the principal deposit notice via the application programming interface. The payment control system according to claim 15,

17. the object related to the investment of the investor corresponds to the leased property, the leased property has a trust set up, is an object of investment and operation, and is purchased by means of financing, the smart contract is triggered to activate by a lease payment notice that notifies that there has been a payment related to the lease from an external financial institution system, the blockchain system, based on the activated smart contract, includes means for transmitting payment information instructing the payment of management fees to the administrator, trust remuneration to the trust trustee, remuneration to the investment and operation person, principal and interest to the financier, and trust dividends to the token trader to the management and operation system, the management and operation system, When receiving the payment information, means for calculating the trust dividend to the token trader by subtracting from the lease fee the management fee to the administrator of the leased property, the trust remuneration to the trust trustee, the remuneration to the investment manager, and the principal and interest to the financier; Means for transmitting various payment instructions for instructing the payment of the management fee to the administrator, the trust remuneration to the trust trustee, the remuneration to the investment manager, the principal and interest to the financier, and the calculated trust dividend to the token trader to an external financial institution system The payment control system according to claim 15 or claim 16, comprising:

18. The blockchain system includes an application programming interface, The payment control system according to claim 17, wherein the smart contract is configured to be activated upon receipt of the lease fee deposit notice via the application programming interface.

19. In a distribution payment method in which a blockchain system related to a blockchain in which a smart contract is arranged, which is a system external to the blockchain system, causes a financial institution system that performs processing related to payment based on a payment instruction to perform processing related to payment of distribution to an investor, The blockchain records ownership token information indicating the number of tokens owned by each investor, The financial institution system executes a step of transmitting a principal deposit notice notifying the deposit of the principal related to the distribution to the blockchain system, The smart contract is activated using the transmitted principal deposit notice as an activation trigger, The blockchain system, Based on the activated smart contract, a step of specifying the amount to be distributed to each investor for the received principal according to the ownership token information recorded in the blockchain; Based on the activated smart contract, a step of transmitting a payment instruction instructing the payment of the amount for each investor specified to the financial institution system Execute, The financial institution system, When receiving the payment instruction, executes a step of performing processing related to the payment of the amount for each investor instructed by the received payment instruction to the financial institution account related to each investor. The distribution payment method is characterized by this.

20. A blockchain system related to a blockchain in which a smart contract is arranged and a management and operation system communicable with the blockchain system, which is a system external to the blockchain system, cause a financial institution system that performs processing related to payment based on a payment instruction to perform processing related to the payment of distribution funds to investors. In the distribution fund payment method, the blockchain records ownership token information indicating the number of ownership tokens for each investor, the financial institution system executes a step of transmitting a principal deposit notice notifying the deposit of the principal for the distribution funds to the blockchain system, the smart contract is triggered by the transmitted principal deposit notice and is triggered, the blockchain system, based on the triggered smart contract, identifying a ratio related to the distribution for each investor according to the ownership token information recorded in the blockchain; based on the triggered smart contract, transmitting ratio information including information indicating the ratio for each identified investor to the management and operation system; and execute, the management and operation system, when receiving the ratio information, identifying an amount to be distributed to each investor for the deposited principal according to the ratio for each investor indicated by the received ratio information; and transmitting a payment instruction for the amount for each identified investor to the financial institution system; and execute, the financial institution system, when receiving the payment instruction, executes a step of performing processing related to the payment of the amount for each investor indicated by the received payment instruction to the financial institution account for each investor. A distribution fund payment method characterized by this.

21. In a distribution fund payment method in which a blockchain system related to a blockchain in which a smart contract is arranged causes a financial institution system, which is an external system that performs processing related to payment based on a payment instruction, to perform processing related to the payment of distribution funds to investors, the blockchain records ownership token information indicating the number of ownership tokens for each investor, the smart contract is triggered by a principal deposit notice notifying the deposit of the principal for the distribution funds from an external financial institution system and is triggered, the blockchain system, Based on the activated smart contract, determining the amount to be distributed to each investor according to the amount of the contributed capital received, corresponding to the ownership token information recorded on the blockchain; Based on the activated smart contract, sending a payment instruction to the external financial institution system to instruct the payment of the amount for each identified investor; A method for paying out distribution funds, characterized by performing the above steps.

22. The object related to the investment of the investor corresponds to the leased property; The leased property has a trust established thereon, is the object of investment operation, and is purchased by means of financing; The smart contract is activated by a rental fee receipt notice notifying that there has been a receipt of the rental fee from the external financial institution system; The blockchain system: Based on the activated smart contract, subtracting from the rental fee the management fee to the property manager, the trust remuneration to the trust trustee, the remuneration to the investment operator, and the principal and interest to the financier, and calculating the trust distribution to the token trader; Based on the activated smart contract, sending various payment instructions to the external financial institution system to instruct the payment of the management fee to the manager, the trust remuneration to the trust trustee, the remuneration to the investment operator, the principal and interest to the financier, and the calculated trust distribution to the token trader; The method for paying out distribution funds according to claim 21, characterized by performing the above steps.

23. In a distribution fund payment method system that causes a financial institution system, which is an external system that performs processing related to payment based on a payment instruction, for a blockchain system related to a blockchain in which a smart contract is arranged and a management and operation system capable of communicating with the blockchain system, to perform processing related to the payment of distribution funds to investors, The blockchain records ownership token information indicating the number of ownership tokens for each investor; The smart contract is activated with a principal contribution receipt notice notifying the receipt of the principal related to the distribution funds from the external financial institution system as an activation trigger; The blockchain system: Based on the activated smart contract, determining the ratio related to the distribution for each investor according to the ownership token information recorded on the blockchain; Based on the activated smart contract, sending ratio information including information indicating the ratio for each identified investor to the management and operation system; Performing the above steps; The management and operation system: When the ratio information is received, identifying the amount to be distributed to each investor for the amount related to the original funds received according to the ratio for each investor indicated by the received ratio information; sending a payment instruction for the amount for each identified investor to an external financial institution system; A method for paying out distribution funds, characterized by executing the above.

24. The object related to the investment of the investor corresponds to the leased property, the leased property has a trust established thereon, is an object of investment operation, and is purchased by means of financing, the smart contract is triggered by a rent receipt notice notifying that there has been a receipt of rent related to an external financial institution system, the blockchain system, based on the triggered smart contract, executing the step of sending payment information instructing the payment of management fees to the administrator, trust remuneration to the trust trustee, remuneration to the investment operator, principal and interest to the financier, and trust dividends to the token trader to the management and operation system; the management and operation system, when the payment information is received, calculating the trust dividend to the token trader by subtracting from the rent the management fees to the administrator of the leased property, the trust remuneration to the trust trustee, the remuneration to the investment operator, and the principal and interest to the financier; sending various payment instructions instructing the payment of management fees to the administrator, trust remuneration to the trust trustee, remuneration to the investment operator, principal and interest to the financier, and the calculated trust dividend to the token trader to an external financial institution system; The method for paying out distribution funds according to claim 23, characterized by executing the above.

25. In a computer program for causing a computer device corresponding to a node included in a blockchain system related to a blockchain that records ownership token information indicating the number of tokens owned by each investor to perform processing related to payment based on a payment instruction, so that a financial institution system, which is an external system that performs processing related to the payment of distribution funds to investors, performs control to perform processing related to the payment of distribution funds to investors, based on being triggered by a principal deposit notice notifying the deposit of the principal related to the distribution funds from an external financial institution system, causing the computer device to identify the amount to be distributed to each investor for the amount related to the deposited principal according to the ownership token information recorded in the blockchain; send a payment instruction instructing the payment of the amount for each identified investor to an external financial institution system; A computer program, characterized by causing the above to be executed.

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