Fund use investigation device and fund use investigation method

Abstract

To provide a fund use investigation device that can efficiently and reliably trace the flow of funds related to a green project to prevent greenwashing with appropriate accuracy.SOLUTION: A fund use investigation device 100 comprises: a storage 101 that holds the history of circulation of digital currencies issued in relation to a green project; and an arithmetic unit 104 that executes processing of extracting, from the circulation history, information on processing of converting the digital currencies into cash in persons involved in the green project to calculate the ratio of conversion of the digital currencies into cash in each of the persons involved, and processing of outputting information on the persons involved with the ratio of conversion into cash exceeding a reference as information on the risk that the digital currencies are used out of the purpose of use.SELECTED DRAWING: Figure 2

Description

[Technical Field]

[0001] The present invention relates to a fund use investigation device and a fund use investigation method. [Background technology]

[0002] In recent years, fundraising through green finance and green bonds has been attracting attention. In such fundraising, the use of funds must be disclosed as green related when applying for funding and in disclosure reports. However, there are many cases where the funds are actually used for different purposes. stomach. Cases like the one above are violations of intended use and are known as greenwashing. For example, the following two cases can be considered as examples of greenwashing.

[0003] One is when a certain fundraiser receives green funds from multiple financial institutions for the same project. Under the circumstances, the surplus of the total amount of green funds obtained can be used for other purposes, i.e., This is a case where it is used for purposes other than lean.

[0004] To give a more specific example, let's say a procurement company is considering a 50 million yen CO2 recovery project. As green loans for "equipment purchases," Bank X and Bank Y each provided 50 million yen, totaling 100 million yen. In this case, the purchaser will pay the amount of 50 million yen or more required for the actual purchase of the equipment. If the remaining 50 million yen is used for purposes other than green related purposes, This becomes a scandal.

[0005] Another case is when the procurer diverts green funds to another company, for example, a bank. After raising 100 million yen from X as "funds for the implementation of Green Project A," A portion of the amount (e.g., 10 million yen) was used as fees for unidentified consulting work by another company. If it is used as money, it becomes a case of greenwashing.

[0006] Therefore, the traditional method of monitoring and verifying whether funds are being used in accordance with the original purpose has been adopted. Technologies have been proposed, such as distributed ledger technology to facilitate the secure exchange of information related to commercial transactions. There is a transaction tracking system (see Patent Document 1) that tracks the transfer route of a product.

[0007] This technology uses a distributed ledger containing multiple transaction data associated with commercial transactions. A transaction tracking system for tracking a transaction history of a commodity in a commercial transaction, generating means for generating transaction data; and storing each of said transaction data. a storage means for storing the transaction data when the generating means generates the transaction data; A data structure including branch information between a plurality of transaction data stored in a storage means is added. and a database for storing the branch information. The transaction data is generated when the business transaction starts. and transaction data generated in the course of a series of commercial transactions that repeatedly transfer the said goods. and second transaction data to be generated, and the database includes the origin of the branch information. The first transaction data corresponding to the point is associated with the branch information and stored, The branch information is obtained from the second transaction data by accessing the database. The present invention relates to a transaction tracking system characterized by comprising a history reading means for reading out the transaction history. [Prior art documents] [Patent documents]

[0008] [Patent Document 1] Patent Publication No. 2021-96569 Summary of the Invention [Problem to be solved by the invention]

[0009] The prior art shows that by using the so-called digital currency settlement technology, the information of the settlement parties can be This technology allows for the digitization of payment information, including credit card details, making it possible to trace the transaction. It will be possible to verify to whom the green funds have been paid by the recipient of the loan. Therefore, as mentioned above, "multiple financial institutions each provide green financing for the same case" In cases where funds are raised, the use of loan funds is clearly related to green projects and companies. If this is the only option, it will be possible to verify whether or not there is greenwashing, as intended.

[0010] On the other hand, the loan funds obtained for green projects are used to implement the projects. The establishment of green facilities, etc., which are necessary for the promotion of green activities but are difficult to consider as green on the surface. Purchase of land for the facility, labor costs required for construction and operation of the facility, purchase of equipment, etc. There are also many cases where it is used.

[0011] When applying conventional technology to such cases, as mentioned above, the implementation of green projects Even if the payment information is related to expenses that are certainly necessary, it is judged to be suspected of greenwashing. It will end up being.

[0012] Furthermore, even if conventional technology is applied to the case of "diverting green funds to another company," It may be impossible to know whether the loan funds for the project have been misappropriated. Highly sexual.

[0013] For example, a company receiving loan funds for a green project can use digital currency payments. If you pay for goods or services with cash instead of using credit, the payment is for a green project. In other words, the flow and purpose of the payment cannot be traced. This means that

[0014] In order to deal with the situation described above, in order to track and verify the flow of funds in each case, However, the number of cases is increasing and the number of payments related to each business operator is also increasing. Because a large amount of information can be generated frequently, it is difficult to fit it all into a realistic man-hours budget.

[0015] Therefore, the object of this invention is to efficiently and accurately manage the flow of funds related to green projects. To provide a technology that can trace and prevent greenwashing with appropriate accuracy. do. [Means for solving the problem]

[0016] The fund use investigation device of the present invention, which solves the above problem, is a device for investigating the use of funds issued for green projects. A storage device that stores the distribution history of the digital currency and the involvement of the green project extracting information on the cashing process of the digital currency at the parties involved from the distribution history, a process for calculating the cash conversion rate of the digital currency for each party, and and outputting information on the parties involved as information on the risk of the digital currency being used for an unintended purpose. and a computing device for executing the program. In addition, the fund use investigation method of the present invention is a method for investigating the use of funds by an information processing device. The distribution history of the digital currency issued for the green project will be maintained. Extracting information on the cashing process of the digital currency among the participants of the project from the distribution history. a process of calculating a cash-out rate of the digital currency for each of the participants; and Information on participants exceeding the threshold is output as information on the risk of unauthorized use of the digital currency. The present invention is characterized in that it executes the process of: [Effects of the Invention]

[0017] According to the present invention, the flow of funds related to green projects can be tracked efficiently and accurately. This makes it possible to prevent greenwashing with appropriate precision. [Brief explanation of the drawings]

[0018] [Figure 1] 1 is a diagram illustrating a network configuration including a fund use investigation device according to an embodiment of the present invention. [Figure 2] FIG. 2 is a diagram illustrating an example of a hardware configuration of a fund use investigation device according to the present embodiment. [Figure 3] FIG. 2 is a diagram illustrating an example of a hardware configuration of a corporate system according to the present embodiment. [Figure 4] FIG. 2 is a diagram illustrating an example of the configuration of a DC issuance history DB according to the present embodiment. [Figure 5] FIG. 2 is a diagram illustrating an example of the configuration of a DC payment history DB according to the present embodiment. [Figure 6] FIG. 2 is a diagram showing an example of the configuration of a cashing history DB according to the present embodiment. [Figure 7] FIG. 2 is a diagram illustrating an example of the configuration of a loan purpose / DC correspondence DB according to the present embodiment. [Figure 8] FIG. 10 is a diagram showing an example of the configuration of a fund use table according to the present embodiment. [Figure 9] FIG. 1 is a diagram showing an example of the flow of a fund use investigation method according to the present embodiment. [Figure 10] FIG. 10 is a diagram showing an example of a counting result in the present embodiment. [Figure 11] FIG. 10 is a diagram showing an example of a counting result in the present embodiment. [Figure 12] FIG. 10 is a diagram showing an example of a counting result in the present embodiment. [Figure 13] FIG. 10 is a diagram showing an example of a counting result in the present embodiment. [Figure 14] FIG. 10 is a diagram showing an example of a counting result in the present embodiment. [Figure 15] FIG. 10 is a diagram showing an example of a counting result in the present embodiment. [Figure 16] FIG. 10 is a diagram showing an example of a determination result in the present embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0019] <Network configuration> Hereinafter, an embodiment of the present invention will be described in detail with reference to the drawings. 1 is a diagram illustrating a network configuration including a fund use investigation device 100. 100 will efficiently and accurately trace the flow of funds related to green projects and This is a computer that can prevent greenwashing with appropriate accuracy.

[0020] The fund use investigation device 100 of this embodiment is configured as follows: , a company system 200, and a financial institution system 300 are communicably connected. Therefore, these may be collectively referred to as the fund use investigation system 10.

[0021] The fund use investigation device 100 of this embodiment is a financial institution that handles the issuance and cashing of digital currency. The system of the financial institution, i.e., the system of the business operator that cooperates with the financial institution system 300, is assumed. However, it may also be a system operated by such financial institutions themselves, but of course, Not limited.

[0022] On the other hand, the enterprise system 200 is connected to the financial institution system 300 (or the fund use investigation device 100) in the name of financing green projects, and The funds will be used to procure materials, services, personnel, etc. for the implementation of the green project. This will be a system that <Hardware configuration> The hardware configuration of the fund use investigation device 100 of this embodiment is as shown in FIG. This becomes:

[0023] That is, the fund use investigation device 100 includes a storage device 101, a memory 103, a computing device 104, and a , and a communication device 105.

[0024] The storage device 101 is a solid state drive (SSD) or a hard disk. It is made up of an appropriate non-volatile storage element such as a disk drive.

[0025] The memory 103 is composed of a volatile storage element such as a RAM.

[0026] The arithmetic unit 104 also reads the program 102 stored in the storage device 101 and stores it in the memory 10. 3 and executes it to perform overall control of the device itself, as well as various judgments, calculations and controls. It is the CPU that performs the processing.

[0027] By executing the program 102 by the arithmetic unit 104, the DC usage record collection unit 110 , a fraud risk candidate extraction unit 111, and a result output unit 112. do.

[0028] The communication device 105 is connected to the network 1 and performs communication processing with the enterprise system 200. This is assumed to be a network interface card that handles this.

[0029] The fund use investigation device 100 is an input device that accepts key input or voice input by an administrator or the like. The system may further include an input device, an output device such as a display for displaying processed data, etc. .

[0030] In addition, the storage device 101 is equipped with the functions required for the fund use investigation device of this embodiment. In addition to the program 102 for this, there is a DC issuance history DB125 and a DC settlement history DB126. , cash conversion history DB 127, loan purpose / DC correspondence DB 128, and settlement purpose table 129 However, details about these databases and tables are This will be discussed later.

[0031] The hardware configuration of the enterprise system 200 of this embodiment is as shown in FIG. do.

[0032] That is, the enterprise system 200 includes a storage device 201, a memory 203, a computing device 204, and and a communication device 205.

[0033] The storage device 201 is a solid state drive (SSD) or a hard disk. It is made up of an appropriate non-volatile storage element such as a disk drive.

[0034] The memory 203 is composed of a volatile storage element such as a RAM.

[0035] The arithmetic unit 204 also reads the program 202 stored in the storage unit 201 from the memory 20 3 and executes it to perform overall control of the device itself, as well as various judgments, calculations and controls. It is the CPU that performs the processing.

[0036] By executing the program 202 by the arithmetic unit 204, the DC settlement unit 210 and the D C. Functions such as a cash conversion unit 211 will be implemented.

[0037] The communication device 205 is connected to the network 1 and communicates with the fund use investigation device 100. This is assumed to be a network interface card or the like that handles processing.

[0038] The enterprise system 200 is equipped with an input device that accepts key input or voice input by a user or the like. The processing unit may further include an output device such as a display for displaying processed data.

[0039] The storage device 201 also includes a computer that performs the functions required for the enterprise system 200 of this embodiment. In addition to the program 202 for installing the DC, at least the DC information 225 is stored. However, details of this held DC information 225 will be described later. <Data structure example> Next, various types of information used by the fund use investigation device 100 of this embodiment will be described. 4 shows an example of the DC issuance history DB 125 in this embodiment.

[0040] The DC issuance history DB 125 of this embodiment is a database in which the financial institution system 300 For companies involved in the green project, the debt issued in connection with the loan for the green project Information on digital currency (DC) is collected and used by the fund use research device 1. 00 is the table that was acquired and stored.

[0041] Regarding the basic technology for collecting and managing information on the circulation of digital currencies, Existing blockchain technology will be adopted as appropriate (details will be omitted). This DC issuance history DB125 is used, for example, to identify opportunities for issuing digital currencies (e.g., green projects). The digital signature is generated using an issue ID that uniquely identifies the project (which can be considered the identification information of the project loan). The sender of the green currency indicates the financial institution that is financing the green project. The data such as the remittance destination, which indicates the company that received the loan, and the amount of the loan are linked to the report. It is a collection of codes.

[0042] 5 is a diagram showing an example of the configuration of the DC payment history DB 126 of this embodiment. The DC settlement history DB126 is a digital currency issued by the financial institution that is the remittance source. The currency is used for settlement purposes, starting from the company that is the remittance destination (loan recipient). It stores historical information that traces how the

[0043] This DC payment history DB126 uses payment ID as a key to store information such as remittance source, remittance destination, payment purpose, and amount. It is a collection of records that correspond to values ​​such as the payment ID and issue ID. The figure shows an example of "Green Facilities" as a value in the column, but this is based on the fund use criteria described below. This value is obtained by checking the specific attributes of the equipment against table 129 (Fig. 8).

[0044] In addition, companies that have received loans in digital currency from financial institutions and their business partners may The DC settlement unit 210 of the business system 200 executes the necessary procedures for the execution of the green project. Payments for the procurement of goods will be made.

[0045] 6 is a diagram showing an example of the configuration of the cashing history DB 127 of this embodiment. The cashing history DB127 is the "Remittance destination" included in the record of the DC settlement history DB126. The "company" may use the digital currency obtained from the "remitter" company in financial institution system 300. It stores the history of requests and cash conversions.

[0046] In addition, companies that are trying to convert their DC assets into cash may register their DC information in their corporate system 200. In that case, the company will refer to the information in Article 225 of the Financial Instruments and Exchange Act and decide whether to liquidate part or all of the amount. The DC cashing unit 211 of the business system 200 receives instructions from the company personnel, etc., and The currency is sent to the financial institution system 300 and undergoes the prescribed procedure for cashing. become.

[0047] This cashing history DB 127 uses the "withdrawal source" indicating the company that made the cashing as a key to It is a collection of records that correlates the amount of cash that the business has converted into cash.

[0048] FIG. 7 is a diagram showing an example of the configuration of the loan purpose / DC correspondence DB 128 of this embodiment. The loan purpose / DC correspondence DB 128 of the embodiment is a record of the DC issuance history DB 125. Indicates which green projects the digital currency issuance is financing for. It is a database that stores information.

[0049] This loan purpose / DC correspondence DB128 uses the loan ID as a key to store the loan purpose and the issuance ID. The issuing ID is a collection of records linked to the DC shown in Figure 4. This corresponds to the value in the issue ID column in the issue history DB 125.

[0050] 8 is a diagram showing an example of the configuration of the payment purpose table 129 in this embodiment. The settlement use table 129 is issued in the financing case of the green project as mentioned above. A table specifying whether or not the intended use of digital currency belongs to the green category is.

[0051] This fund use table 129 uses the payment use as a key and stores the green category of the payment use. In the example in Figure 8, the payment application is an example of The specific types of green equipment and green parts are specified, and the general equipment and general parts are specified. In the case of <Flow example> The actual procedure for the fund use investigation method according to this embodiment will be described below with reference to the drawings. The various operations corresponding to the fund use investigation method described below are performed by the fund use investigation device 100. This is realized by a program that is read into a library or the like and executed. It consists of code to perform various operations as described below.

[0052] FIG. 9 is a diagram showing an example of the flow of the fund use investigation method in this embodiment. The DC usage record collection unit 110 of the fund usage investigation device 100 stores the DC usage record stored in the storage device 101. C issuance history DB125, DC settlement history DB126, cash conversion history DB127, and loan purpose · Reference each record in the DC-compatible DB128 and extract data for each company in each DB (s1).

[0053] Next, the fraud risk candidate extraction unit 111 of the fund use investigation device 100 extracts the fraud risk candidate from each company in the above-mentioned s1. The data obtained from the industry will be used to provide financial institutions with loans in digital currency for green projects. The company that received the funds, i.e., the borrower company, and the goods and services that are ordered by the borrower company. The data is then tabulated by classification of the company that provided the information, i.e., the business partner (s5).

[0054] In this embodiment, an example of the aggregated results for the borrower companies is shown in FIG. 10. An example of the aggregated results for client companies is shown in Figure 11.

[0055] The aggregated results shown in Figure 10 are based on DC payment information and are for green use DC, green use type The perspectives of green DC, non-green DC, and cash conversion, as well as the company's green DC payment destination, The table aggregates data from the perspective of green DC settlement destinations and non-green DC settlement destinations.

[0056] Of these, "Green DC" refers to the digitalization of the borrowing company through loans from financial institutions. Of the currencies (amounts shown in the records of the DC issuance history DB125 in Figure 4), those for green purposes Items (those for which the payment purpose is green equipment or green parts in the DC payment history DB126 in Figure 5) ) is the total amount of digital currency used to pay for the

[0057] In addition, "Green Use Analogy DC" refers to the digitalization of the borrower company obtained through a loan from a financial institution. of the total amount of non-green currency (as shown in the records of the DC issuance history DB125 in Figure 4) Items (items for which the payment purpose is general equipment, general parts, and land in the DC payment history DB126 in Figure 5) However, a different issuing ID and the same loan ID data were used to purchase items for green purposes. The total amount of digital currency used to pay for the items is calculated as follows:

[0058] In addition, "non-green DC" refers to digital currency obtained through loans from financial institutions (see Figure 4). The amount shown in the records of the DC issuance history DB125) is the amount of the above-mentioned "Green Use DC" and This is the total amount excluding "Green Use Analogous DC."

[0059] It should be noted that "cashing" refers to a value obtained by summing up the amount of cashing in the cashing history DB127.

[0060] The aggregated results shown in Figure 11 are based on the DC payment information of the above-mentioned business partners. Data is aggregated in terms of C receipt information, DC payment information, and number of associated loan IDs. It is a table.

[0061] Of these, DC receipt information is the data received as payment from borrowers and other business partners. The amount of digital currency was calculated based on green use, green analogy, and non-green use. The concept of these aggregations is the same as the example in Figure 10.

[0062] In addition, DC payment information is used by the business partner to provide further business partners (so-called subcontractors) ) and aggregated from the perspectives of green use, non-green use, and cash conversion. This is what is done.

[0063] The number of related loan IDs is the number of loans in which the relevant business partner was involved, i.e., green projects. This is the count of the number of payments made in relation to orders and purchases related to the project.

[0064] Here, the fraud risk candidate extraction unit 111 of the fund use investigation device 100 performs the following steps as shown in FIGS. 10 and 11. Based on the results of the survey shown in Figure 1, the digital currency The cash conversion ratio is calculated, and it is determined whether the value (see FIG. 12) exceeds a predetermined standard (s10 ).

[0065] The calculation of the cash conversion ratio is based on, for example, "Green Use DC," "Green Use Analogy DC," and "Non- Calculate the percentage of the "Cash conversion" value out of the total value of "Green DC" and "Cash conversion" This will be determined.

[0066] If the result of the above judgment is that the cash conversion ratio is above the standard (s10: YES), the purpose of the funds The fraud risk candidate extraction unit 111 of the investigation device 100 determines whether the company is a borrower or a client company. A determination is made (s11).

[0067] If the result of this determination is that the company is a borrower (s11: borrower), the purpose of the funds is investigated. The fraud risk candidate extraction unit 111 of the inspection device 100 extracts the digital currency of the borrower company. The company is judged to be at high risk of unauthorized use (s12), and the output unit 112 outputs the information The report is output and the process ends.

[0068] On the other hand, if the result of the above judgment is that the company is a business partner (s11: business partner), The fraud risk candidate extraction unit 111 of the money use investigation device 100 extracts the digital Determine whether the number of counterparties (transaction target companies) that have traded in the Treasury currency is above a certain threshold ( s13).

[0069] In making this determination, the fraud risk candidate extraction unit 111 of the fund use investigation device 100 For companies, refer to the "Number of related loan IDs" in Figure 11 and add that number to the " The value of "Number of DC settlement transactions" is compared with the reference value.

[0070] This standard value is calculated by separately obtaining information on the industry of each trading partner (for example, DC settlement (Assuming that each record in the history contains industry information about the recipient company), Calculate the average number of trading partners in the industry and use that average as the reference value. Let's say.

[0071] If the result of the above judgment is that the number of companies to be traded is less than the standard (s13: YES), The fraud risk candidate extraction unit 111 of the customer investigation device 100 extracts digital The company is judged to be at high risk of using the currency for an unintended purpose (s14), and the result output unit 112 outputs the information and ends the process.

[0072] On the other hand, if the result of the above determination is that the number of companies to be traded is equal to or greater than the threshold (s13: NO), The fraud risk candidate extraction unit 111 of the fund use investigation device 100 extracts data for the counterparty company. As a result of this, the company was determined to have a medium risk of misuse of digital currency (s15). The output unit 112 outputs the information and the process ends.

[0073] On the other hand, if the result of the judgment in s10 above is that the cash conversion ratio is smaller than the standard (s 10: NO), the fraud risk candidate extraction unit 111 of the fund use investigation device 100 Among the uses of digital currency-based payments, those that fall into the pre-determined green category will be The ratio of the number of items that do not match the object is calculated (see FIG. 15), and it is determined whether the ratio exceeds the standard (s1 6) This determination is also made for borrower companies (see Figure 16).

[0074] As a result of the above-mentioned judgment, among the uses of each payment funded by digital currency, If the proportion of items that do not match the category does not exceed the standard (s16: NO), the fund use survey The fraud risk candidate extraction unit 111 of the inspection device 100 extracts the digital currency of the trading partner company. The company is judged to have a low risk of unauthorized use (s18), and the result output unit 112 outputs the information and ends the process.

[0075] On the other hand, as a result of the above-mentioned judgment, among the uses of each payment funded by digital currency, If the percentage of items not meeting the green category exceeds the standard (s16: YES), funds The fraud risk candidate extraction unit 111 of the usage investigation device 100 extracts digital data for the business partner company. The company is judged to have a medium risk of misuse of the currency (s17), and the result output section 112 outputs the information and ends the process.

[0076] The result evaluation unit 118 of the fund use investigation device 100 evaluates the determination results obtained in the flow up to this point. A table (Table 16000 in Figure 16) is generated by aggregating the results and outputting it. Good too.

[0077] The best mode for carrying out the present invention has been specifically described above. It is not limited to this, and various modifications are possible without departing from the spirit of the invention.

[0078] According to this embodiment, the flow of funds related to green projects can be managed efficiently and It is possible to accurately trace and prevent greenwashing with appropriate precision.

[0079] The description of this specification makes clear at least the following: In the fund use investigation device of the present invention, the calculation device is The information on the company and the counterparty companies that have conducted transactions with the borrower company is collected from the distribution history. and extracting the transaction partners that conducted transactions in the digital currency at each of the said counterparty companies. The process of calculating the number of borrowing companies or other business partners that are target companies, and the cash conversion rate A party involved in a transaction that exceeds the standard and whose number of trading partners calculated as above is below the standard and outputting the company information as information on the risk of the digital currency being used for an unintended purpose. It may also be said that it is something that is executed.

[0080] According to this, there are few transactions with companies that make payments in digital currency, i.e. For companies that tend to use payment methods that are difficult to trace, such as gold, This will enable us to determine whether there is a high risk of using green projects. This will enable more efficient and accurate tracing and the prevention of greenwashing with appropriate precision. become.

[0081] In the fund use investigation device of this embodiment, the calculation device Information on each industry is extracted from the distribution history, and the business partners belonging to each industry are Calculate the average number of trading partners and use that average number as the standard for the number of trading partners. It may also be stated that it is something that is

[0082] According to this, companies that make payments using digital currency, taking into account the specific circumstances of their industry, etc. It will be possible to set standards for the number of transactions with green projects. Trace the flow of funds more efficiently and accurately, and prevent greenwashing with appropriate accuracy. It becomes possible to stop it.

[0083] In the fund use investigation device of this embodiment, the calculation device Information on the counterparties that have conducted transactions with the borrower companies that received the loans is extracted from the distribution history. and each of the counterparties receives digital assets from the borrower companies. The usage status of the currency is referred to in the circulation history, and the digital currency indicated by the usage status is used as a source of funds. Calculate the percentage of each payment use that does not match the items in the predefined green category. The transaction is not a transaction where the cash conversion rate exceeds the standard, and the rate exceeds the standard. Processing to output information on business partners as information on the risk of unauthorized use of said digital currency The above may be further executed.

[0084] According to this, the parties that should use funds for green projects (borrowing companies) Inappropriate for the company as a business partner (i.e., using funds for things outside the green category) This will enable accurate identification of companies that are likely to be involved in green projects. It is possible to trace flows more efficiently and accurately, and prevent greenwashing with appropriate precision. This becomes:

[0085] In the fund use investigation device of this embodiment, the calculation device Information on the borrower companies that received the loans is extracted from the distribution history, and The usage status of the digital currency in the area is referred to in the circulation history, and the digital currency indicated by the usage status is used. Among the uses of each payment funded by the cryptocurrency, those that fit into the pre-defined green category The process of calculating the ratio of the cash conversion rate to the amount not exceeding the standard, and the process of calculating the ratio of the cash conversion rate to the amount not exceeding the standard. The information on borrowers whose number of borrowers exceeds the threshold will be used as information on the risk of misuse of the digital currency. The processing for outputting the result may further be executed.

[0086] According to this, borrowing companies tend to use funds for things outside the green category. This will enable accurate identification of companies, and ultimately, the flow of funds related to green projects. This allows for more efficient and accurate tracing, and prevents greenwashing with appropriate precision.

[0087] In the method for investigating the use of funds of this embodiment, the information processing device The borrower companies that received the loans and the counterparties that conducted transactions with the borrower companies Information is extracted from the distribution history, and the digital currency The procedure for calculating the number of borrowers or other trading partners that have conducted transactions with the The cash conversion rate is higher than the standard, and the transaction target company is Information on business partners with a number below the threshold will be used as information on the risk of unauthorized use of the digital currency. The processing for outputting the image data may be further executed.

[0088] In the fund use investigation method of this embodiment, the information processing device Information on each industry is extracted from the distribution history, and the information is distributed to the trading partners belonging to each industry. Calculate the average number of the target companies in the target companies, and use that average number as the standard for the number of target companies It may also be stated that:

[0089] In the method for investigating the use of funds of this embodiment, the information processing device The information of the counterparty companies that have conducted transactions with the borrower companies that received the currency is collected from the distribution history. The digital assets of each of the counterparties obtained through payments from the borrowers are extracted from the The usage status of the digital currency is referred to in the distribution history, and the digital currency indicated by the usage status is used. The proportion of the use of each payment that does not match the pre-defined green category items will be The process of calculating the cash conversion rate is not a party whose cash conversion rate exceeds the standard, and the rate is not a party whose cash conversion rate exceeds the standard. The information of the business partners exceeding the limit is output as information on the risk of the digital currency being used for an unintended purpose. Further processing may be performed.

[0090] In the method for investigating the use of funds of this embodiment, the information processing device The information of the borrower companies that received the currency is extracted from the distribution history, and The status of use of the digital currency in each case is referred to in the distribution history, and the status of use is indicated by the Among the uses of digital currency-based payments, those that fall within the pre-defined green category will be The process of calculating the rate of non-conformance and the person involved whose cash conversion rate exceeds the standard and Information on borrowers whose ratio exceeds the threshold will be used to identify risks of unauthorized use of the digital currency. The process of outputting the result as a result of the processing may be further executed. [Explanation of symbols]

[0091] 1 Network 10. Fund Use Investigation System 100 Fund Use Investigation Device 101 Storage device 102 Programs 103 memory 104 Arithmetic unit 105 Communication equipment 110 DC Usage Record Collection Department 111 Fraud Risk Candidate Detection Unit 112 Result output section 125 DC issuance history DB 126 DC payment history DB 127 Cashing history DB 128 Loan Purpose DC Compatible DB 129 Fund Use Table 200 Corporate Systems 201 Storage device 202 Program 203 memory 204 Arithmetic equipment 205 Communication equipment 210 DC Payment Department 211 DC Cashing Department 225 DC Holdings Information 300 Financial Institution System

Claims

1. A storage device that stores the distribution history of digital currency issued for green projects; a computing device that executes a process of extracting the settlement history of the digital currency among the participants of the green project from the distribution history and calculating the cash conversion rate of the digital currency among each of the participants, and a process of outputting information about the participants whose cash conversion rate exceeds a standard as information about the risk of the digital currency being used for an unintended purpose; Including, The circulation history includes an issuance history and the payment history, The issuance history is: The digital currency includes information on the borrower company that has received the digital currency and the amount of the digital currency issued; The settlement history is The information includes information about the participants, including the borrower company and a trading partner company that has conducted a transaction with the borrower company, a first amount of the digital currency received by the participant, and a second amount of the first amount that the participant has converted into cash; The cash conversion rate is indicating a ratio of the second amount to the first amount; A fund use investigation device characterized by:

2. The computing device The system further executes a process of extracting information on the borrower companies and the counterparty companies from the distribution history, calculating the number of borrower companies or other counterparty companies that are trading partners with which the digital currency has been traded for each of the counterparty companies, and outputting information on the counterparty companies that are the participants with a cash conversion rate exceeding a standard and whose calculated number of trading partners is below the standard as information on the risk of the digital currency being used for an unintended purpose.

2. The fund use investigation device according to claim 1.

3. The computing device The fund use investigation device according to claim 2, characterized in that it extracts information on the industry of each of the trading partner companies from the distribution history, calculates the average number of trading target companies among the trading partner companies belonging to each industry, and uses this average number as the standard for the number of trading target companies.

4. The computing device The system further executes a process of extracting information about the trading partner companies from the distribution history, referring to the distribution history for the usage status of the digital currency obtained through payments from the borrower companies at each of the trading partner companies, calculating the percentage of the uses of the digital currency indicated by the usage status that do not match items in a predetermined green category, and outputting information about trading partner companies that are not the participants whose cash conversion rate exceeds a standard and whose percentage exceeds the standard as information about the risk of the digital currency being used for an unintended purpose.

2. The fund use investigation device according to claim 1.

5. The computing device The system further executes a process of extracting information about the borrower companies from the distribution history, referencing the usage status of the digital currency at each of the borrower companies in the distribution history, and calculating the percentage of the uses of each payment funded by the digital currency indicated by the usage status that do not match items in a predetermined green category, and a process of outputting information about the borrower companies whose ratios exceed the standard and are not the participants whose cash conversion rates exceed the standard as information about the risk of the digital currency being used for an unintended purpose.

2. The fund use investigation device according to claim 1.

6. The information processing device A storage device stores a distribution history of digital currency issued for green projects; extracting the settlement history of the digital currency among the participants in the green project from the distribution history, and executing a process of calculating the cash conversion rate of the digital currency among each of the participants, and a process of outputting information on the participants whose cash conversion rate exceeds a standard as information on the risk of the digital currency being used for an unintended purpose; The circulation history includes an issuance history and the payment history, The issuance history is: The digital currency includes information on the borrower company that has received the digital currency and the amount of the digital currency issued; The settlement history is The information includes information about the participants, including the borrower company and a trading partner company that has conducted a transaction with the borrower company, a first amount of the digital currency received by the participants, and a second amount of the first amount that has been converted into cash; The cash conversion rate is indicating a ratio of the second amount to the first amount; A method for investigating the use of funds.

7. The information processing device, extracting information on the borrower companies and the counterparty companies from the distribution history, and calculating the number of borrower companies or other counterparty companies that are trading partners with which the digital currency has been traded for each of the counterparty companies; and outputting information on the counterparty companies that are the participants with a cash conversion rate exceeding a standard and whose calculated number of trading partners is below the standard as information on the risk of the digital currency being used for an unintended purpose.

7. The method for investigating the use of funds according to claim 6.

8. The information processing device, extracting information on the industry of each of the trading partner companies from the distribution history, calculating the average number of trading partner companies among the trading partner companies belonging to each industry, and setting the average number as the criterion for the number of trading partner companies; 8. The method for investigating the use of funds according to claim 7.

9. The information processing device, extracting information about the counterparty companies from the distribution history, referencing the distribution history to determine how each of the counterparty companies has used the digital currency obtained through payments from the borrower companies, and calculating the percentage of the uses of the digital currency for each payment that does not match items in a predetermined green category, and outputting information about the counterparty companies that are not the participants whose cash conversion rate exceeds a standard and whose percentage exceeds the standard as information about the risk of the digital currency being used for an unintended purpose; 7. The method for investigating the use of funds according to claim 6.

10. The information processing device, extracting information about the borrower companies from the distribution history, referencing the usage status of the digital currency at each of the borrower companies in the distribution history, and calculating the percentage of the uses of the digital currency for each payment funded by the digital currency indicated by the usage status that does not match items in a predetermined green category; and outputting information about the borrower companies whose cash conversion rate exceeds a standard, are not the participants, and whose percentage exceeds the standard, as information about the risk of the digital currency being used for an unintended purpose.

7. The method for investigating the use of funds according to claim 6.

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