Service providing system, service providing method, and program

Abstract

This service providing method includes: selecting a tax-saving measure matching a user on the basis of the user's financial information, etc., and verifying whether the tax-saving measure serves the public interest (S76); and proposing the tax-saving measure to the user on the condition that the tax-saving measure serves the public interest (S82, etc.).

Description

Service provision system, service provision method and program

[0001] The present invention relates to a service provision system and a service provision method that provide a service that supports management based on a user's financial information, and a program that is executed by a terminal to receive a service that supports management based on a user's financial information.

[0002] The following service is available as an example of this type of service: Based on a user's income and expenditure information and reference information, at least one tax-saving task from among a plurality of tax-saving tasks is identified as a recommended tax-saving task, and based on conditions associated with the recommended tax-saving task, the timing for performing the recommended tax-saving task is identified, and the recommended tax-saving task is displayed at the identified timing for execution (see, for example, Patent Document 1).

[0003] Patent No. 7296163

[0004] The system described in Patent Document 1 simply provides users with a management support service that displays recommended tax-saving tasks, and has the drawback that the information collected for providing the management support service and the information obtained as a result of providing the management support service are not utilized and are wasted.

[0005] The present invention has been devised in view of the above circumstances, and its object is to effectively utilize information collected for the provision of a service and information obtained as a result of the provision of the service.

[0006] In one aspect of the present invention, there is provided a service provision system for providing a service that supports management based on a user's financial information, comprising: financial information storage means for collecting users' financial information and storing it in association with each user; business plan proposal means for proposing business plans that match the users' financial information stored in the financial information storage means; adopted business plan storage means for storing business plans adopted by users who have received proposals from the business plan proposal means in association with each user; information analysis means for analyzing the business plans adopted by users stored in the adopted business plan storage means and the financial information stored in the financial information storage means to obtain insights; and service provision means for providing a service based on the insights obtained by the information analysis means.

[0007] Such a service providing system makes it possible to effectively utilize financial information collected for the provision of the service and information on the management strategies adopted by the user obtained as a result of the provision of the service.

[0008] Preferably, the information analysis means may have the function of extracting the business strategies adopted by the users from the adopted business strategy storage means, and extracting the trends in the financial information of the users who adopted the business strategies from the financial information storage means, and obtaining insight into the contribution of the business strategies based on both extracted data.

[0009] Such a service providing system allows users to obtain information on the financial contribution of the management strategies they have adopted.

[0010] Preferably, the business plan proposing means has a function of proposing tax saving measures, the adopted business plan storing means has a function of storing tax saving measures adopted by users, and the information analyzing means has a function of analyzing the tax saving measures adopted by users stored in the adopted business plan storing means and the financial information stored in the financial information storing means to obtain insights.

[0011] Preferably, the service providing means may evaluate the case where a client of the service adopts a business strategy based on the trends in financial information of users who have adopted the same business strategy as the client, and provide the evaluation results to the client.

[0012] Preferably, the service providing means may provide management consulting services.

[0013] Preferably, the service providing means may make proposals to the government or a think tank based on the knowledge obtained by the information analysis means.

[0014] Preferably, the information analysis means has a function of obtaining insight into the evaluation of a draft government tax policy, and the service providing means may provide the evaluation results of the draft to a party requesting an evaluation of the draft.

[0015] Preferably, the management strategy proposing means may include an artificial intelligence model that uses machine learning of data on existing tax saving measures to derive tax saving measures that match the user based on the user's financial information, and a tax saving strategy proposing means that proposes the tax saving measures derived by the artificial intelligence model to the user.

[0016] Preferably, the business plan proposal means may include a tax saving simulation model that performs a simulation regarding the user's future tax payments, and a simulation result providing means that provides the user with the simulation results of the tax saving simulation model.

[0017] Preferably, the management proposal means has a personalization function for making management proposals that match each user, and may make personalized management proposals to service clients.

[0018] With this configuration, the user can make decisions based on the results of the simulation regarding future tax matters.

[0019] In another aspect of the present invention, there is provided a service provision method for providing a service that supports management based on a user's financial information, the method including: a financial information storage step of collecting users' financial information and storing it in association with each user; a business plan proposing step of proposing a business plan that matches the user's financial information stored in the financial information storage step; an adopted business plan storage step of storing business plans adopted by users who have received proposals in the business plan proposing step in association with each user; an information analysis step of analyzing the business plans adopted by the users stored in the adopted business plan storage step and the financial information stored in the financial information storage step to obtain insight; and a service provision step of providing a service based on the insight obtained in the information analysis step.

[0020] In another aspect of the present invention, a program executed by a terminal to receive a service that provides management support based on a user's financial information causes the terminal to perform the following steps: a financial information transmission step of transmitting the user's financial information to a server; a step of receiving a management plan proposed by the server that matches the user based on the financial information; an adopted management plan transmission step of transmitting to the server the management plan adopted by the user who received the proposal; and a step of receiving a service based on knowledge obtained by the server when the server analyzes the management plan and the financial information transmitted by the user.

[0021] 1 is a diagram showing the overall configuration of a tax saving support system. (A) is a diagram showing data stored in a financial DB for each user, and (B) is a diagram showing data stored in a user DB. (B) is a diagram showing known tax saving means data stored in a tax saving DB. (C) is a diagram showing the hardware configuration of a cloud server. (D) is a diagram showing the hardware configuration of a user terminal. (E) is a flowchart of machine learning by a cloud server. (F) is a diagram showing specific examples of variables and factors defined in a tax saving simulation model. (A) is a diagram showing specific examples of variables and factors defined in a tax saving simulation model, and (B) is a diagram showing specific examples of variables and factors defined in a tax system simulation model. (F) is a flowchart of a main routine in a user terminal and a cloud server. (A) is a flowchart showing a subroutine program of crawler update processing by a cloud server, (B) is a flowchart showing a subroutine program of known tax saving means data update processing by a cloud server, and (C) is a flowchart showing a subroutine program of financial data notification processing by a user terminal and financial data update processing for each user by a cloud server. (F) is a flowchart showing a subroutine program of tax saving measure request processing by a user terminal and tax saving measure proposal processing by a cloud server. (A) is a flowchart showing a subroutine program for processing by a cloud server to create a list of desirable tax saving measures, and (B) is a flowchart showing a subroutine program for processing by a cloud server to verify the created list. (A) is a flowchart showing a subroutine program for personalization processing by a cloud server, and (B) is a flowchart showing a subroutine program for processing by a cloud server to generate a tax saving simulation model. (A) is a flowchart showing a subroutine program for processing other proposal requests by a user terminal and other proposal processing by a cloud server. (A) is a flowchart showing a subroutine program for processing proposals to government agencies and think tanks by a cloud server, and (B) is a flowchart showing a subroutine program for processing simulations of draft tax policy proposals by a cloud server.1 is an explanatory diagram of the idea of ​​transitioning from a complicated consumption tax to a simple tax system. It is a conceptual diagram of realizing a simple consumption tax system. It is a diagram showing the overall configuration of a simple consumption tax system. It is an explanatory diagram showing blockchain data stored in each node of a blockchain. (A) is a flowchart showing a main routine by a user terminal (accounting system) and a national tax server, and (B) is an explanatory diagram showing the mechanism of Verifiable Credentials. (A) is a flowchart showing a subroutine program for Verifiable Credential acquisition processing by a user terminal and Verifiable Credential issuance processing by a national tax server, and (B) is a flowchart showing a subroutine program for transaction processing by a user terminal and transaction-time authentication processing by a national tax server. (A) is a flowchart showing a subroutine program for buyer transaction processing by a user terminal and buyer transaction handling processing by a national tax server, and (B) is a diagram showing data stored in a user DB. It is a flowchart showing a subroutine program for buyer-side consumption tax exemption processing by a user terminal and buyer-side consumption tax exemption handling processing by a national tax server. It is a flowchart showing a subroutine program for seller transaction processing by a user terminal and seller transaction handling processing by a national tax server. 1 is a flowchart showing a subroutine program for user-side blockchain processing by a user terminal and administrator-side blockchain processing by a national tax server. FIG. 2 is a flowchart showing a subroutine program for seller-side consumption tax exemption processing by a user terminal and consumption tax exemption processing by a national tax server. FIG. 3 is a flowchart showing a subroutine program for declaration processing by a user terminal and declaration authentication processing by a national tax server. (A) is a flowchart showing a subroutine program for optional investigation preparation processing by a national tax server, and (B) is a flowchart showing a subroutine program for a modified accounting processing by a user terminal. (A) is a flowchart showing a subroutine program for smart contract processing by a user terminal and tax payment acceptance processing by a national tax server, and (B) is a flowchart showing a subroutine program for contract definition in a smart contract by a user terminal.(A) is an explanatory diagram showing a method of updating a smart contract using a Proxy pattern, and (B) is a flowchart showing a modified example of authentication processing at the time of filing. FIG. 1 is a flowchart showing subroutine programs for payer transaction processing and receiver transaction processing by a user terminal, and transaction response processing by a national tax server. FIG. 2 is an explanatory diagram showing the idea of ​​conducting a demonstration experiment of a tax system by adopting different tax systems in multiple metaverses. FIG. 3 is a flowchart showing a subroutine program for processing by a national tax server to aggregate various data in each metaverse. FIG. 4 is a diagram showing the overall configuration of a demonstration experiment system for a tax system using a metaverse.

[0022] This embodiment will be described in detail with reference to the drawings. Hereinafter, database will be referred to as DB and artificial intelligence as AI. AI includes agents, multi-agents and mobile agents. The DB may be configured as a storage server. [First Embodiment] The tax saving support system in this embodiment utilizes machine learning by AI, and the overall system configuration will be described with reference to FIG. 1.

[0023] Referring to the overall system of FIG. 1 , a cloud server 51, various websites 52, various paper databases 53, and a user terminal 54 such as a personal computer or smartphone are connected to each other via the Internet 50, which is an example of a communication line, for information communication. A crawler 56 patrols the Internet 50 to collect information from the various websites 52, various paper databases 53, etc. A crawler is a program that periodically acquires documents and images on the web and automatically creates a database. It is also called a "bot," "spider," or "robot." The information collected by the crawler 56 is filtered and stored in a tax saving database 57 on the cloud server 51 as known tax saving means data 59. Furthermore, tax-related literature information, tax-related information on the web, etc. are stored in the tax saving database 57 as crawler-collected data 58.

[0024] The cloud server 51 is further provided with a machine learning means 60, an AI model (Transformer) 61, a financial DB 62 for each user, and a user DB 63. Note that a user is a broad concept that includes not only natural persons and corporations but also AI. This is because when AI independently engages in economic activities, the AI ​​itself may become a user. Therefore, the term "person" includes AI.

[0025] The Transformer is a neural network architecture built around a self-attention mechanism. This architecture makes it easy to learn long-distance dependencies and allows for pre-training on large datasets. The machine learning means 60 first collects a large amount of text data via the Internet 50 and pre-trains the Transformer architecture using that text data. This pre-training allows the AI ​​model 61 to acquire language understanding and generation capabilities.

[0026] Next, transfer learning and fine tuning are performed to generate an AI model 61 as an LLM (Large Language Model). Transfer learning and fine tuning enable the model to respond to specific questions and instructions given by the user. Fine tuning is performed to adapt to the user context and a specific domain.

[0027] Although a typical von Neumann-type computer is used as the computer for machine learning, a neural net processor (NNP) can also be used. A large number of "artificial neurons" modeled after real neurons are installed on the NNP chip, and each neuron connects with each other via a network. A quantum computer that employs the "quantum annealing method" can also be used. In particular, the use of a quantum computer that employs the "quantum annealing method" can significantly reduce the time required for optimization calculations in machine learning.

[0028] The system also provides support for tax-saving measures to users based on data stored in a financial DB 62 and a user DB 63 for each user. A tax-saving app 55 is installed on a user terminal 54, and the user can receive tax-saving measures from the cloud server 51 in response to user operation. The user also wears a wearable device 64, which measures biometric data such as blood pressure, blood flow, heart rate, body temperature, sweating, and blood components, and transmits the data from the wearable device 64 to the cloud server 51. As a result, an AI model 61 on the cloud server 51 estimates the user's psychological state (pleasure / discomfort, relief / anxiety, rest / excitement, joy / pain, etc.).

[0029] 2A , the financial DB 62 for each user stores financial data of the user in association with each user ID. Specifically, the users are divided into three groups: general individuals, sole proprietors or small businesses, and medium-sized or larger companies. For the general individuals group, scanned data of tax documents such as withholding slips for each previous fiscal year is stored in association with each user ID. For the sole proprietors or small businesses group, scanned data of accounting information and tax information for each previous fiscal year, or past accounting information and tax information automatically collected by linking to business systems, is stored in association with each user ID. For the medium-sized or larger companies group, accounting and tax data for each previous fiscal year automatically collected by linking to each business system (such as business systems for sales, human resources, purchasing, inventory, payroll, finance, and tax) is stored in association with each user ID.

[0030] 2B, the user DB 63 stores the history of tax-saving measures adopted by each user from the past to the present and user data in association with each user ID. The breakdown of the user data includes company size, business type, industry, occupation, manager's goals, manager's preferences, etc.

[0031] The tax saving DB 57 stores known tax saving means data shown in Fig. 3. This tax saving means data is roughly divided into data for individuals and data for businesses.

[0032] Figure 4 shows the hardware configuration of a cloud server 51 installed in a data center 44 as the cloud 43. Figure 5 shows the hardware configuration of a user terminal 54. Common devices in both hardware are given common reference numbers and will be described below.

[0033] The cloud server 51 is equipped with a graphics processing unit (GPU) 10g as a control center. The user terminal 54 is equipped with a central processing unit (CPU) 10c as a control center. The cloud server 51 and the user terminal 54 are configured with a random access memory (RAM) 9 that functions as a work area for the GPU 10g or CPU 10p, a read-only memory (ROM) 11 that stores data and programs, a storage unit such as a solid-state drive (SDD) 12, an input operation unit 7 such as a display and keyboard, a communication unit 5, a display unit 6, an interface 8, a bus 13, and various other hardware. Note that a hard disk drive (HDD) may be used as the storage unit in addition to or instead of the SSD. The user terminal 54 also has a speaker 70.

[0034] Machine learning by a cloud server 51 will be described with reference to Figure 6. In step S (hereinafter simply referred to as "S") 1, a large amount of text data is collected via the Internet 50. In step S2, the collected text data is used to pre-train a Transformer architecture. In step S3, transfer learning is performed on the Transformer architecture after pre-training, with tax saving as the specific task, using known tax saving means data 59 and crawler-collected data 58. Machine learning means 60 reads both of these data from a tax saving DB 57 and performs transfer learning on an AI model 61.

[0035] In step S4, the Transformer architecture that has completed transfer learning is retrained using a new dataset for a specific task (such as user question answering), and fine-tuned to learn task-specific features.

[0036] Next, S5 generates a tax-saving simulation model, and S10 generates a tax system simulation model. A simulation model is a tool for considering complex factors and predicting outcomes under different scenarios. The basics of its mechanism are outlined below. <Defining Variables and Factors> A simulation begins by defining the relevant variables and factors to understand the impact of different factors on a business. These include market trends, competitive conditions, economic conditions, and technological innovations. <Building a Model> A mathematical model that reflects various aspects of the business is constructed based on the variables and factors. This includes revenue forecasts, cost evaluations, and changes in market share. <Setting Probability Distributions and Scenarios> To account for uncertainty, a probability distribution is associated with each variable and factor. Furthermore, different scenarios (e.g., boom, recession) are set and the probability of each is considered. <Collecting and Updating Data> To maintain a reliable model, real-world data must be collected and the model must be regularly updated. This allows it to respond to market conditions and competitive trends. <Executing a Simulation> A simulation is executed based on the defined model and scenarios. This allows performance under different conditions to be predicted. <Interpretation of Results> The simulation results are analyzed in detail to evaluate the relative merits and risks of different strategic options, and the optimal strategy can be selected based on this.

[0037] The above "variables and factors" will now be explained.

[0038] Variables are quantities whose values ​​change within a simulation model. They are generally expressed as numerical or categorical data. For example, sales, cost, market share, and time are considered variables. These are treated as numerical values ​​within the model and represent real economic quantities.

[0039] Factors are causes or explanatory variables that affect the value of a variable. Factors are used to explain variables within a model. For example, fluctuations in market demand, competitor strategies, and economic conditions are possible factors. They are used to explain the fluctuations and behavior of variables and play a role in showing causal relationships within a model. Factors are considered as elements that explain variables, while variables represent actual results that fluctuate as numbers within a model.

[0040] The tax saving simulation model and tax system simulation model used in the first embodiment are simulation models that evaluate tax systems in an economic model. The tax saving simulation model runs a simulation of the user's future accounting and tax matters, shows the user predicted profits and tax payments via the tax saving app 55, and selects and proposes the most appropriate tax saving measure (tax saving means) from various options, while also showing their effects. The tax system simulation model uses simulation to predict the economic effects of a new tax system proposed by the government if it is implemented.

[0041] 7 and 8A show the variables and factors defined in the tax saving simulation model of the first embodiment. The variables and factors shown in Fig. 7 and 8A are defined to generate the tax saving simulation model.

[0042] Returning to Figure 6, in S6, it is determined whether it is time to generate or update a tax-saving simulation model, and when it is time to generate or update, in S7, variables and factors related to sales, profit status, tax burden, capital investment, etc. are defined. Specifically, the variables and factors shown in Figures 7 and 8(A) are defined. Next, in S8, a probability distribution is associated with each variable and factor. In S9, various scenarios are set and associated with their respective probabilities.

[0043] Next, a flowchart of the main routine in the user terminal 54 and the cloud server 51 will be described with reference to FIG. 9. In the user terminal 54, financial data notification processing is performed in S13, tax saving measure request processing is performed in S14, and other proposal request processing is performed in S15. In the cloud server 51, crawler data update processing is performed in S18, known tax saving means data update processing is performed in S19, financial data update processing for each user is performed in S20, tax saving measure proposal processing is performed in S21, other proposal processing is performed in S22, proposal processing to the government / think tank is performed in S23, and simulation processing for a tax policy draft is performed in S24. The specific contents of each of these processes will be described below.

[0044] The crawler update process shown in S18 will be explained with reference to Fig. 10(A). In the cloud server 51, it is determined in S25 whether or not there is new crawler collected data, and if there is not, it returns and proceeds to S19. If there is new crawler collected data among the data collected by the crawler 56, it is determined as YES in S25, and the crawler collected data is stored in the tax saving DB 57 in S26, after which it returns and proceeds to S19.

[0045] The known tax saving means data update process shown in S19 will be explained with reference to Fig. 10(B). In the cloud server 51, it is determined in S30 whether or not there is new known tax saving means data, and if there is not, the process returns and proceeds to S20. If it is determined in S30 that there is new known tax saving means data, the known tax saving means data is stored in the tax saving DB 57 in S31, and then the process proceeds to S20.

[0046] The financial data notification process shown in S13 and the user-specific financial data update process shown in S20 will be described with reference to FIG. 10(C). In the user terminal 54, a determination is made in S35 as to whether or not to notify the cloud server 51 of the financial data. If not, the process returns and proceeds to S14. If the user performs an operation on the user terminal 54 to notify the cloud server 51 of the financial data, the financial data is encrypted together with the user ID in S36 and transmitted to the cloud server 51. The cloud server 51 receives the encrypted financial data in S40 and stores the encrypted financial data in the user-specific financial DB 62 in association with the user ID in S41. This state is shown in FIG. 2(A). Information security is ensured by encryption.

[0047] The tax saving measure request process shown in S14 and the tax saving measure proposal process shown in S21 will be described with reference to Fig. 11. In the user terminal 54, it is determined in S45 whether or not to request a tax saving measure, and if not, the process returns and proceeds to S15. If the user performs an operation to request a tax saving measure on the user terminal 54, a YES determination is made in S45, and a request for a tax saving measure together with the user ID is sent to the cloud server 51 in S46.

[0048] The cloud server 51 receives the request in step S55, calculates the client's profit and tax amount for the current period in step S56, and returns the calculation results. A specific example of this calculation method is shown below.

[0049] First, the user's accounting and tax information is imported through the Tax Saving App 55. ・For general individuals: scanned data of tax documents such as withholding slips for the past three years or so. ・For sole proprietors and small businesses: scanned data of accounting and tax information for the past three years, or automatically collected by linking to business systems. ・For medium-sized or larger companies: accounting and tax data for the past three to five years is automatically collected by linking to the following business systems (sales, human resources, purchasing, inventory, payroll, finance, tax, etc.).

[0050] Next, the imported data is sent to the cloud server 51. The cloud server 51 estimates the profit and tax amount for the current period from the actual sales, marginal profit, and fixed expenses for the previous period and information on the sales, marginal profit rate, fixed expenses, etc. for the current period. For example, if a corporation with a December fiscal year end takes tax-saving measures after October: ・Sales from January to October of registration: 300 million yen (120% compared to the previous year) ・Fixed expenses from January to October of the current fiscal year: 100 million yen (110% compared to the previous year) ・Marginal profit rate for the current fiscal year: 50% ・Sales from November to December of the previous fiscal year: 80 million yen, fixed expenses: 25 million yen ・Forecasted sales for the current fiscal year: 300 million yen + 80 million x 120% = 396 million yen (a) ・Marginal profit for the current fiscal year: (a) x 50% = 198 million yen (b) ・Fixed expenses for the current fiscal year: 100 million yen + 25 million x 110% = 127.5 million yen (c) ・Forecasted profit for the current fiscal year: (a) - (b) - (c) = 70.5 million yen (d) ・Corporate tax and resident tax on the above: (d) x 35% = 24.675 million yen Consumption tax to be paid (assuming a taxable purchase rate of 75%): 396 million x 75% x 10 / 110 = 27 million. User terminal 54, which has received the reply from cloud server 51, displays the received data in S47. Meanwhile, cloud server 51 creates a list of desirable tax-saving measures in S57, and verifies the created list in S58. Next, in S59, the simulation results for one to three years from now and the completed tax-saving list are returned to user terminal 54.

[0051] The user terminal 54 that receives the data displays the received data in S48. The user then consults with the AI ​​model 61 in the cloud server 51 to determine the desired tax saving method from the tax saving list (S49). As mentioned above, the AI ​​model 61 is an LLM, so it can provide advice to the user. In S60, the cloud server 51 associates the tax saving method determined in response to the consultation with the user ID and stores it in the user DB. This state is shown in Figure 2 (B).

[0052] Next, the cloud server 51 performs a personalization process in S61. Then, in S62, the information for implementing the tax-saving measures selected by the user is searched for and returned to the user terminal 54, after which the process returns and proceeds to S22. For example, when an individual freelancer joins the "Small Business Mutual Aid Association," the information for implementing tax-saving measures is automatically connected to and displayed on the website of the nearest Chamber of Commerce and Industry. When starting a NISA, the online securities company with the most account openings in the past three months is searched for, and an account opening application page on the web is displayed. This allows the user to easily implement the tax-saving measures they desire.

[0053] The user terminal 54 receives the information for executing the tax saving means, displays the received data in S50, and then returns to S15.

[0054] The process of creating a list of desirable tax-saving measures shown in S57 will be explained with reference to Fig. 12(A). In S61, the cloud server 51 uses a tax-saving simulation model to run a simulation of accounting and tax matters for one to three years from now based on various data in the tax-saving DB 57 and the user DB 63, calculates predicted profits and tax payments, and lists desirable tax-saving measures. Then, the process returns and proceeds to S58.

[0055] Specific examples of listing desirable tax-saving measures are shown below: Small business mutual aid for individuals or small corporations; Bankruptcy prevention mutual aid if there is a possibility of future business performance deterioration or unexpected expenses; Extracting assets due for replacement from the fixed asset management system and proposing equipment replacement; Extracting monthly fixed expense payments from the accounting system and proposing lump-sum payments for the next fiscal year; Extracting information from the payroll calculation system and accounting system and proposing year-end bonuses and training expenses so that the wage increase tax system applies. Next, the verification process for the list created in S58 is explained with reference to FIG. 12(B). The cloud server 51 verifies whether the list created in S70 meets the client's needs (S75). For example, the user database 63 is searched using the client's user ID to read the client's tax-saving "preferences," and whether the list matches those preferences (e.g., a preference for high-risk, high-return tax savings). S76 verifies whether the list contributes to the public interest. This verifies whether tax-saving measures contribute to the public interest, and only those measures that contribute to the public interest are proposed to users. As a result, tax-saving measures that are in line with national policy objectives (such as wage increases, capital investments that lead to improved productivity, and tax savings through the use of public mutual aid systems) are given priority in proposals to users, enabling proposals that are in line with the public interest, which has the advantage of leading to an increase in tax revenue from a macro perspective.

[0056] Next, in S77, the validity is verified based on the client's financial information, etc. For example, whether or not the listed tax-saving measures will have a tax-saving effect is verified, such as whether or not they will strain the client's available funds. In S78, compliance with laws and regulations is verified. In S79, the verification results are comprehensively evaluated and the listed tax-saving measures are ranked. User IDs that have adopted the same tax-saving measures as the listed tax-saving measures are searched for in the user DB 63 (S80), and financial information for the searched user IDs is searched for in the financial DB 62 for each user to calculate the success rate (contribution rate) (S81). In other words, the success rate (contribution rate or contribution rate of the adopted tax-saving measures) is calculated by referring to the subsequent accounting and financial data of users who have previously adopted the listed tax-saving measures and determining whether the users are in good accounting and financial condition.

[0057] Next, in S82, a list is created in which the success rates of the listed tax saving means are associated with each other and arranged in descending order of priority, and then the process returns to S59. The tax saving list created by arranging the list in descending order of priority of the listed tax saving means with the success rates of each of the listed tax saving means is transmitted to the user terminal 54 in S59 and displayed thereon.

[0058] This has the advantage that the user (client) can obtain meaningful information, such as the actual measured value of the success rate (contribution rate or contribution degree of the adopted tax saving means) when the displayed tax saving list is actually adopted. Also, when the client desires a certain tax saving means (for example, tax saving means Q), the user DB 63 may be searched for a user who has previously adopted that tax saving means Q (for example, a user with user ID a29n7g), and other tax saving means (for example, tax saving means L, P, V, etc.) adopted by the user with user ID a29n7g may be proposed to the client as recommended tax saving means.

[0059] The verification process shown in Figure 12 (B) may be performed using the same AI model 61 as the AI ​​model 61 that lists desirable tax-saving measures, or it may be performed using a different AI model (an AI model generated for verification purposes).

[0060] The above-mentioned verification function has the following benefits: a) It enables everyone to take legal and rational tax-saving measures, discouraging people from resorting to illegal tax savings (tax evasion). It also prevents people from missing out on tax savings that they could have taken. If the tax-saving support system can check and visualize points that are beyond human judgment, effective tax savings can be achieved without missing any, and companies can use the funds saved by tax savings to further raise wages or make effective capital investments, creating a virtuous cycle for management and the economy. b) By designing this tax-saving support system to prioritize tax-saving measures that are in line with national policy objectives, it can be effective in not harming the public interest. c) If this tax-saving support system becomes widespread among companies, it will redirect profits that would normally go to internal reserves toward productive spending, revitalizing the economy and ultimately leading to increased tax revenue for the national and local governments. d For ordinary individuals, there are often no experts (financial planners, accountants, tax accountants, etc.) nearby to consult, and they are unable to obtain accurate information on tax savings and asset formation, but an inexpensive tax savings support system would help to alleviate this problem. e For sole proprietors and companies, it is likely that they will decide on tax savings measures after consulting with experts, which will increase opportunities for tax experts.

[0061] Next, the personalization process shown in S61 will be described with reference to FIG. 13A. In S86, the cloud server 51 receives biometric data from the user's wearable device 64 when selecting a tax saving measure. This allows the AI ​​model 61 of the cloud server 51 to estimate the user's psychological state (pleasure / discomfort, relief / anxiety, rest / excitement, joy / pain, etc.) regarding the listed tax saving measures, thereby estimating the user's tax saving preferences. In S87, the AI ​​model 61 considers the consultation with the user (such as in S60) and biometric information, and compares the selected tax saving measure with the proposed tax saving list to generate the user's tax saving preference data, which is stored in the user DB 63 in association with the user's ID. The process then returns to S62. The "user's tax saving preference data" may refer to, for example, preference for high-risk, high-return tax saving measures, preference for low-risk, low-return tax saving measures, or preference for tax saving measures somewhere in between. Through this personalization process, the more a user uses the AI ​​model 61, the more it becomes personalized to match the user, and it becomes possible to suggest tax-saving methods that the user prefers.

[0062] The other proposal request process in S15 and the other proposal process in S22 will be explained with reference to FIG. 14 . The user terminal 54 determines whether to request management consulting in S92. If not, the process returns and proceeds to S13. When the user requests management consulting through the user terminal 54, the process interacts with the AI ​​model 61 in S93 to provide management consultation. In response, the cloud server 51 interacts with the user in S96 to elicit their management goals. Then, in S97, the user DB 63 is searched for a user ID that matches the user's industry and occupation, and the user DB 63 searches the financial DB 62 for each user to return the financial details of the user ID that has achieved its goal. The financial DB 62 is also searched for the transition of the financial details of the user ID that has filled the gap between the "ideal" state after achieving the goal and the current state, and the transition is returned. The user terminal 54 that receives this data displays the received data in S94. It is also possible to analyze the discrepancy between the "ideal" state and the current situation and propose specific measures to close the gap.

[0063] For example, if a user aims to increase sales by 1.3 times the current level in five years, the system will display the financial information of companies with the same attributes (industry and occupation) as the user and already achieving that sales level. This allows the user to obtain reference data when formulating their own company's sales plan. In this way, various useful conclusions and insights can be derived using data science from the data stored in the user DB 63 and the user-specific financial DB 62, etc., and can primarily support business decision-making.

[0064] As a result, as this tax saving support system becomes more widespread and the number of users increases, the amount of data stored in the user DB 63 and the financial DB 62 for each user increases and the more it becomes big data, the more it becomes possible to derive various useful conclusions and insights and support business decision-making, which has the advantage of creating a virtuous cycle in which this support further leads to an increase in the number of users.

[0065] The process of making a proposal to the government or think tank in S23 will be explained with reference to FIG. 15A. In S105, the cloud server 51 performs data mining on the data in the financial DB 62 and the user DB 63 for each user to derive tax-saving measures commonly adopted by users whose financial situations are improving. Data mining is an activity that uses statistics, AI, and other techniques to analyze large amounts of data and obtain some kind of insight. Representative data mining techniques include clustering, logistic regression analysis, and ABC analysis.

[0066] Clustering is a method of classifying data based on similarities. For example, by classifying and analyzing users by company size, industry, business type, occupation, sales vehicle goals, preferences, etc., hypotheses can be made about the relationship between the success or failure of financial status and classification.

[0067] Logistic regression analysis is a method for calculating the probability of a binary outcome (dependent variable) occurring based on multiple factors (explanatory variables). In this case, the dependent variable can be expressed as a binary choice, such as whether the user's financial situation is good or not.

[0068] Next, the tax saving means derived in S106 are proposed to the government and the think tank, and then the process returns and moves to S24.

[0069] The simulation process for the tax policy draft indicated in S24 will be described with reference to FIG. 15B. In S110, the cloud server 51 determines whether a simulation request for the tax policy draft has been received. If no request has been received, the process returns and proceeds to S18. If a request has been received, in S111, the ranking of the draft plan in the list created by executing S56 to S59 for the user IDs registered in the user DB 63 is tallied. In S112, the list is sent to users registered in the user DB 63 to solicit responses to a questionnaire regarding the adoption of the draft plan. In S113, the returned questionnaires and the tallied rankings are tallied by company size, industry, business type, and business category according to the user DB 63. In S114, the effects of the implementation of the draft plan (wage increases, capital investments leading to improved productivity, tax savings through the use of public mutual aid systems, etc.) are simulated based on the tallied results. This simulation is performed using a tax system simulation model. In S115, the results of the simulation are returned to the requester, and then the process returns to S18.

[0070] As explained above in the proposal processing to the government and think tanks and the simulation processing for the tax policy draft explained in Figures 15(A) and 15(B), various useful conclusions and insights can be derived from the data stored in the user DB 63 and the financial DB 62 for each user, etc. using data science, and it is possible to support mainly business decision-making.

[0071] As a result, as this tax saving support system becomes more widespread and the number of users increases, the amount of data stored in the user DB 63 and the financial DB 62 for each user increases and the more it becomes big data, the more it becomes possible to derive various useful conclusions and insights and support business decision-making, which has the advantage of creating a virtuous cycle in which this support further leads to an increase in the number of users.

[0072] Next, the tax system simulation model generation process shown in S10 will be explained with reference to Figure 13(B). In S120, it is determined whether it is time to generate or update the tax system simulation model, and when it is, in S121, related variables and factors such as added value (sales - variable expenses), labor productivity (sales per person), and labor distribution rate (labor costs / added value) are defined. Specifically, in addition to the variables and factors shown in Figures 7 and 8(A), the variables and factors shown in Figure 8(B) are defined. The following variables and factors may be added to the variables and factors shown in Figure 8(B).

[0073] [Variable] Revenue Effects [Factor] Increase or decrease in tax revenue due to tax system change [Variable] Distributional Effects [Factor] Change in income inequality, change in poverty rate [Variable] Economic Effect [Factor] Change in economic growth, change in investment and consumption [Variable] Efficiency [Factor] Complexity of tax system, incentive effect [Variable] Social Impact [Factor] Impact on the environment, linkage of social policies [Variable] Administrative Burden [Factor] Implementation and management costs of tax system [Variable] Legal and political factors [Factor] Legal feasibility of tax system change, political support and opposition Next, in S122, a probability distribution is associated with each variable and factor. In S123, various scenarios are set up and their respective probabilities are associated.

[0074] Modifications of the first embodiment are listed below.

[0075] (1) In addition to or instead of the machine learning means 60 using text data collected from the Internet 50 to train the AI ​​model 61, the AI ​​model 61 may be trained using data collected by the crawler 56.

[0076] (2) Instead of performing the process of generating a tax-saving simulation model using the AI ​​model 61 machine-learned by the machine learning means 60, the process of generating a tax-saving simulation model may be performed using an AI other than the AI ​​model 61.

[0077] (3) The three DBs, the tax saving DB 57, the user-specific financial DB 62, and the user DB 63, may be combined into one DB, or any two of the three DBs may be combined into two DBs.

[0078] (4) The flowchart of the user terminal 54 described above has been described as operating within the user terminal 54, but this is not limited to this. For example, the flowchart may operate on the cloud in response to operations on the user terminal 54, such as SaaS (Software as a Service).

[0079] The first embodiment described above discloses the following inventions. [Technical Field] The present invention relates to a service providing system and a service providing method for providing a service that supports management based on a user's financial information, and a program executed by a terminal to receive the service that supports management based on the user's financial information. [Background Art] The following has been proposed as an example of a service providing this type of service: Identifying at least one tax-saving task from among multiple tax-saving tasks as a recommended tax-saving task based on a user's income and expenditure information and reference information, identifying the execution timing of the recommended tax-saving task recommended to the user based on conditions associated with the recommended tax-saving task, and displaying the recommended tax-saving task at the identified execution timing (e.g., Patent Document 1). [Prior Art Literature] [Patent Document] [Patent Document 1] Japanese Patent No. 7296163 [Summary of the Invention] [Problem to be Solved by the Invention] The system described in Patent Document 1 merely provides a user with a service that displays recommended tax-saving tasks, but has the drawback that the information collected for providing the service and the information obtained as a result of providing the service are not utilized and are wasted.

[0080] The present invention was conceived in light of the above circumstances, and its purpose is to effectively utilize information collected for the provision of services and information obtained as a result of the provision of services. [Means for Solving the Problems] The subject matter of the present invention can be expressed, for example, as the following items. Drawings and disclosed portions of embodiments corresponding to each invention-specific feature are shown in parentheses.

[0081] (Item 1) A service providing system that provides a service that supports management based on a user's financial information (for example, tax saving measure proposals in S21, management consultants in S22, proposals to government and think tanks in S23, simulations of tax policy drafts in S24, etc.), comprising: financial information storage means (for example, S36, S40, S41, financial DB for each user, etc.) that collects users' financial information and stores it in association with each user; business plan proposal means (for example, S21 to S24, etc.) that proposes business plans that match the users' financial information stored in the financial information storage means (for example, tax saving measure proposals in S21, management consultants in S22, proposals to government and think tanks in S23, simulations of tax policy drafts in S24, etc.); adopted business plan storage means (for example, S60, user DB 63, etc.) that stores business plans adopted by users who have received proposals from the business plan proposal means in association with each user; A service provision system comprising: information analysis means (e.g., S80, S81, S82, etc.) for analyzing the business strategies adopted by users stored in the adopted business strategy storage means and the financial information stored in the financial information storage means to obtain knowledge; and service provision means (e.g., S59, S60, etc.) for providing services based on the knowledge obtained by the information analysis means.

[0082] Such a service providing system makes it possible to effectively utilize financial information collected for the provision of the service and information on the management strategies adopted by the user obtained as a result of the provision of the service.

[0083] (Item 2) The information analysis means has the function of extracting the business strategies adopted by users from the adopted business strategy storage means (e.g., user DB 63, etc.) and extracting the trends in the financial information of users who adopted the business strategies from the financial information storage means (e.g., financial DB 62 for each user, etc.), and obtaining insight into the contribution of the business strategies based on both extracted data (e.g., S81, etc.), in the service provision system described in Item 1.

[0084] Such a service providing system allows users to obtain information on the financial contribution of the management strategies they have adopted.

[0085] (Item 3) The business plan proposing means has a function of proposing tax saving measures (e.g., S55 to S62, S75 to S82, etc.), the adopted business plan storing means has a function of storing tax saving measures adopted by users (e.g., S60, etc.), and the information analyzing means has a function of extracting tax saving measures adopted by users from the adopted business plan storing means (e.g., user DB63, etc.) and extracting changes in financial information of users who adopted the tax saving measures from the financial information storing means (e.g., financial DB62 for each user, etc.), and obtaining insight into the contribution of the tax saving measures based on both extracted data (e.g., S81, etc.), a service providing system as described in item 1 or 2.

[0086] (Item 4) A service provision system according to Item 2 or 3, wherein the service provision means evaluates the case where a client of the service provision adopts a business strategy based on the trends in financial information of users who have adopted the same business strategy as the client, and provides the evaluation results to the client (e.g., S80 to S82, etc.).

[0087] (Item 5) The service providing system according to any one of Items 1 to 4, wherein the service providing means provides a management consultant service (for example, S96, S97, etc.).

[0088] (Item 6) The service providing system according to any one of Items 1 to 5, wherein the service providing means makes proposals to the government or a think tank based on knowledge obtained by the information analysis means (for example, S111 to S115, etc.).

[0089] (Item 7) A service provision system according to any one of items 1 to 6, wherein the information analysis means has a function of obtaining insight into the evaluation of a government tax policy draft (e.g., S111 to S114, etc.), and the service provision means provides the evaluation results of the draft to a party requesting an evaluation of the draft (e.g., S115, etc.).

[0090] (Item 8) A service providing system according to any one of items 1 to 7, wherein the management plan proposing means includes: an artificial intelligence model (e.g., AI model (Transformer) 61, S1 to S10, etc.) that uses artificial intelligence to machine-learn data on existing tax saving measures and derives tax saving measures that match the user based on the user's financial information; and tax saving plan proposing means (e.g., S55 to S62, S70, S75 to S82, etc.) that proposes the tax saving measures derived by the artificial intelligence model to the user.

[0091] (Item 9) A service providing system according to any one of items 1 to 8, wherein the business plan proposing means includes: a tax saving simulation model (e.g., the tax saving simulation model of S5, S6 to S9, etc.) that executes a simulation regarding the user's future tax affairs; and a simulation result providing means (e.g., S70, S60, etc.) that provides the user with the simulation results of the tax saving simulation model.

[0092] (Item 10) A service provision system described in any of items 1 to 9, wherein the business plan proposal means has a personalization function (e.g., S86, S87, etc.) for making business proposals that match each user, and makes personalized business proposals to service requesters (e.g., S75, etc.).

[0093] With this configuration, the user can make decisions based on the results of the simulation regarding future tax matters.

[0094] (Item 11) A service providing method for providing a service that provides management support based on a user's financial information (e.g., tax saving measure proposals in S21, management consultants in S22, proposals to government and think tanks in S23, simulations of tax policy drafts in S24, etc.), comprising: a financial information storage step (e.g., S36, S40, S41, financial DB for each user, etc.) that collects and stores the user's financial information in association with each user; a business plan proposing step (e.g., S21, S22, S23, S24, etc.) that proposes a business plan that matches the user based on the user's financial information stored in the financial information storage means (e.g., tax saving measure proposals in S21, management consultants in S22, proposals to government and think tanks in S23, simulations of tax policy drafts in S24, etc.); and an adopted business plan storage step (e.g., S60, user DB 63, etc.) that stores the business plans adopted by users who have received proposals in the business plan proposing step in association with each user. A service provision system comprising: an information analysis step (e.g., S80, S81, S82, etc.) for analyzing the business strategies adopted by users stored in the adopted business strategy storage step and the financial information stored in the financial information storage step to obtain knowledge; and a service provision step (e.g., S59, S60, etc.) for providing services based on the knowledge obtained in the information analysis step.

[0095] (Item 12) A program executed by a terminal (e.g., user terminal 54, etc.) to receive a service that provides management support based on a user's financial information, the program causing the terminal to execute the following steps: a financial information transmission step (e.g., S36, etc.) of transmitting the user's financial information to a server (e.g., cloud server 51, etc.); a receiving step (e.g., S48, S94, etc.) of receiving a proposal from the server of a management plan that matches the user based on the financial information; an adopted management plan transmission step (e.g., S49, etc.) of transmitting to the server the management plan adopted by the user who received the proposal; and a receiving step (e.g., S48, S49, etc.) of receiving a service based on knowledge obtained by the server analyzing the management plan and the financial information transmitted by the user. [Second Embodiment] Next, a second embodiment will be described. In addition to the first embodiment, this second embodiment includes a system that simplifies consumption tax (value-added tax). In the second embodiment, consumption tax and value-added tax are collectively referred to simply as "consumption tax."

[0096] Referring to the upper half of Figure 16, Japan's consumption tax and many other countries' value-added taxes use a "multi-stage taxation" system, where, for example, if Company A purchases goods (purchase price 100) from Company B and sells them to Company C (sales price 200), Company A pays 10 in consumption tax to Company B and receives 20 in consumption tax from Company C. Company A deducts the 10 it paid from the 20 it received, leaving 10 in consumption tax to be paid to the government, but this system complicates the consumption tax system and makes the work of both taxpayers and tax collectors extremely cumbersome.

[0097] In this way, in order for the 50% consumption tax paid by consumers to end up in the national treasury, the tax must be collected, paid, and remitted at multiple stages. While this is relatively simple for agricultural products, for industrial products the distribution process is several times, or even dozens of times, more complicated, which makes the consumption tax system complicated and also creates a breeding ground for tax evasion.

[0098] The principle is that consumption tax is borne by general consumers, and businesses do not have to pay it; they simply collect and remit it. If we could abolish multi-tiered taxation by not levying consumption tax on business-to-business transactions and only levying it when businesses sell goods or services to general consumers, society as a whole would be able to significantly reduce costs, time, and energy. Until now, there was no way to accurately distinguish between business-to-business transactions and general consumer transactions, so a multi-tiered tax system was necessary. However, with the implementation of the invoice system, in order to receive tax deductions, purchases must clearly state on the invoice that they are from a registered business. Furthermore, under the leadership of the Digital Agency, a system for issuing and receiving electronic invoices is also being prepared.

[0099] If this is the case, then, when billing is done via electronic invoice, it becomes possible to eliminate the payment and deposit of consumption tax in business-to-business transactions, as shown in the lower half of Figure 16. However, even if electronic invoices can confirm that a transaction is between businesses, it is not possible to confirm whether the buyer's payment has actually been recorded as sales to the seller, and it is uncertain whether the buyer will actually record it as a business expense (when a car dealer sells a car to a business, it is possible that the purchasing business will use the car for personal purposes rather than for business purposes, in which case consumption tax payments to the government will go unpaid). To eliminate this, a system is needed that matches the billing data exchanged via electronic invoices with the business's accounting data.

[0100] The government's e-invoice initiative is an initiative to fully digitize billing processes, which were previously handled manually and on paper, by exchanging data between the various sales management systems (invoicing systems) offered by various systems companies through a common platform. In parallel with this, a common accounting platform must be established to cross-reference data between the seller and buyer, verifying the consistency of their accounting data. This is technically feasible. The buyer's taxable purchases (purchases and expense payments subject to consumption tax) are matched with the seller's corresponding taxable sales (sales and other income subject to consumption tax). Transactions that cannot be matched are considered consumption transactions. Transactions that can be matched are business-to-business transactions and are exempt from consumption tax. Transactions that cannot be matched are consumption transactions and are subject to consumption tax.

[0101] If a system were established to check whether businesses are properly collecting and paying taxes on these taxable transactions, it would be possible to abolish multi-tiered taxation and eliminate tax evasion. In the case of the car sale example mentioned above, the "sales" in the seller's accounting data would be compared with the "fixed assets" in the buyer's accounting data, and if they match, the transaction would be exempt from consumption tax as a business-to-business transaction. If the buyer is a sole proprietor who intends to use 50% of the car for daily use and records the business use ratio as 50% as an asset, then 50% of the car's purchase price should be subject to consumption tax, and the tax office would be able to require the buyer to pay consumption tax.

[0102] Incidentally, it is conceivable that businesses may attempt to intentionally avoid paying consumption tax by making purchases for daily use under the guise of business transactions, but even under the current multi-tiered taxation system, there is a certain degree of prevention function in place through analysis of declared contents and on-site tax audits, and this is not a problem that would arise simply by abolishing multi-tiered taxation.

[0103] Only businesses that conduct transactions with consumers will be responsible for collecting and paying the tax, but fairness can be ensured by the government paying a certain fee or providing incentives such as corporate tax deductions.

[0104] Below, we will explain this "proposal for rationalizing the nature of consumption tax by eliminating multi-stage taxation and the system necessary to achieve this."

[0105] The general concept of "a proposal for rationalizing consumption tax by eliminating multi-stage taxation and the system required to achieve this" will be explained with reference to Figure 17. An example will be shown in which a buyer, Corporation A, conducts sales transactions with multiple sellers, Corporations B, C, D, etc. This "proposal for rationalizing consumption tax by eliminating multi-stage taxation and the system required to achieve this" includes a transaction authentication system in which the National Tax Agency, an example of a certification authority, performs authentication at the time of sales transactions, and an accounting system in which the buyer submits electronic returns (a collective term for tax returns and final tax returns) to the National Tax Agency, and the National Tax Agency, an example of a certification authority, performs filing authentication at the time of filing.

[0106] The transaction authentication system verifies that both the seller and buyer are registered invoice businesses by comparing their invoice registration numbers.

[0107] Next, the tax exemption is approved on the condition that the buyer swears that the transaction is a business transaction. Note that this swearing is not necessarily required and may be omitted.

[0108] Next, the seller and buyer's invoice registration numbers, transaction date and time, transaction amount, and transaction details (called "information a") are assigned a unique code for identification, encrypted, and stored, and then only this unique code is sent to the buyer. The unique code is a unique code that is one of a kind in the world.

[0109] The accounting system of Company A (the buyer) automatically links the received unique code to the relevant transaction data in the accounting system (or inventory management / fixed asset management system).

[0110] Next, when filing a tax return, the "finalized accounting data (and inventory / fixed asset data) and its unique code" (referred to as "information b") are sent to the National Tax Agency as tax-exempt transactions and business expenses.

[0111] The National Tax Agency searches for the same unique code in the buyer's (information b) in the (information a) of the transaction authentication system, compares the retrieved (information a) with (information b), and if there is a discrepancy, asks the buyer for confirmation.

[0112] The overall configuration of the "Proposal for rationalizing consumption tax by eliminating multi-stage taxation and the system required to realize it" will be described with reference to Figure 18. The crawler 56, cloud server 51, various Webs 52, and various paper DBs 53 are the same as those described in the first embodiment, so repeated description will be omitted here.

[0113] The blockchain 86 is connected to the Internet 50 via a centralized oracle (not shown). This blockchain 86 is a private chain, but it may also be a consortium chain or a public chain. A private chain only records transactions using blockchain technology, and bookkeeping rights are not open but are monopolized by individuals or companies (in this embodiment, the National Tax Agency, which is the administrator), and only internal transactions are recorded. In this embodiment, user transactions are recorded on the blockchain 86 along with timestamps, making it possible to store tax-related books and documents as electronic data as required by the Electronic Bookkeeping Act. To protect personal information (privacy), user transactions are encrypted and recorded on the blockchain 86 to prevent others from viewing them. This encryption uses common keys K1, K2, K3, etc., which each user holds in secret, and each user's transaction is encrypted using the respective common keys K1, K2, K3, etc. Therefore, users can decrypt the encrypted recorded data using their own common keys, making it possible to view and search the data. Searches can be performed using three items: "transaction date," "transaction partner," and "transaction amount." It is possible to specify a range for "transaction date" or "transaction amount," and it is also possible to search by combining multiple record items.

[0114] The blockchain 86 may be connected to other blockchains using Polkadot. Polkadot is a blockchain that connects different blockchains. A blockchain developed using Substrate can be connected to Polkadot, and connecting to Polkadot enables the exchange of tokens and data with other blockchains connected to Polkadot.

[0115] The centralized oracle is a system that acts as a bridge between the blockchain and the Internet 50. It is connected to the Internet 50, collects various information scattered across the internet, and provides the information to the blockchain smart contract.

[0116] Each node 99a, 99b of the blockchain 86 is composed of a user terminal 54 such as a personal computer (hereinafter referred to as "PC"). Node 99b is a node composed of a personal computer of the National Tax Agency 82, and node 99a is a node composed of a personal computer 54 of a general user other than the National Tax Agency 82. This user terminal 54 is connected to the Internet 50. In this embodiment, the user terminal 54 is shown as a computer installed in a store 100, which is an example of a sales transaction business. Multiple cash registers 81 are installed in the store 100, and the cash registers 81 and the user terminals 54 are connected by a LAN (Local Area Network).

[0117] A national tax server 88 installed in the National Tax Agency 82 is connected to the Internet 50. The national tax server 88 is connected to a transaction authentication DB 109 and a user DB 87. As shown in the figure, the transaction authentication DB 109 stores the buyer's invoice registration number, the seller's invoice registration number, the transaction date and time, the transaction amount, the transaction details (transaction subject), a unique code, etc.

[0118] The data stored in the user DB 87 is shown in FIG. 22(B). An encrypted common key is stored in association with each user's address on the blockchain 86. This encrypted common key is obtained by encrypting each user's common key K1, K2, K3, ... with the master key MK. Since the common keys K1, K2, K3, ... are encrypted and stored in the user DB 87, even if the data stored in the user DB 87 is leaked, the encrypted common key cannot be decrypted unless the master key MK is leaked, which has the advantage of protecting the user's personal information and privacy.

[0119] The National Tax Agency 82 stores the master key 83 in a state where it is not connected to the Internet. This master key 83 is used by the National Tax Agency to decrypt the encrypted transaction data of the tax evader recorded in the blockchain 86 and obtain evidence of fraud. Specifically, the National Tax Agency 82 stores an encrypted common key (e.g., E) corresponding to the address (e.g., ¥7kd3) of the tax evader on the blockchain 86. ＭＫ (K1)) is read and decrypted with the master key MS to obtain the plaintext common key K1. The encrypted transaction record corresponding to the address in the block chain 86 (for example, ¥7kd3) is decrypted with the common key K1 to obtain the plaintext transaction record.

[0120] The user DB 87 may be installed in a court, which is an example of a third-party institution, and the master key 83 may be stored at that court instead of the National Tax Agency 82. The National Tax Agency 82 may request an arrest warrant from the court for a suspect of tax evasion that it finds, and the court may notify the National Tax Agency of the suspect's common key (e.g., K1) along with the arrest warrant.

[0121] The data stored in the SSD 12 of the user terminal 54 will be described with reference to Figure 19. The data stored includes the user's private key SK, public key PK, common key K1, the user's address in the blockchain, smart contracts, artificial intelligence, a tax-saving app, a national tax app, an accounting system, and blockchain data. The verifiable credentials described below are also stored in the SSD 12 (not shown). The national tax app is an app issued by the National Tax Agency 82 that is installed on the user terminal 54 and is used when the user terminal 54 interacts with the national tax server 88.

[0122] The private key SK and the public key PK are a key pair used in PKI (Public Key Infrastructure), and data encrypted with the public key PK is decrypted using the private key SK. The private key SK is also used for electronic signatures. The common key K1 is a key used in common key encryption such as DES (Data Encryption Standard) and AES (Advanced Encryption Standard). Data encrypted with the common key K1 is decrypted using the same common key K1. In this embodiment, a different common key is used for each user.

[0123] Next, we will explain blockchain data. The data in each block of the blockchain includes the hash value of the previous block, multiple transaction data (also known as transactions), and ledger and accounting documents. Transaction data includes contracts, purchase orders, quotations, delivery notes, digital invoices, etc. Digital invoices contain a unique code (e.g., y3m85hs7) sent to the buyer (Company A in Figure 19). A timestamp is also embedded in the blockchain. Such blockchains are generated and added as new blockchains by each node 99a, 99b performing blockchain processing (see S202 to S205, S208 to S214, etc., described below). Blockchain processing mainly consists of three phases: transaction, propagation, and recording.

[0124] The transaction phase is what is generally called a transaction, and refers to legal acts such as buying and selling, transferring, lending, etc. More specifically, this transaction phase can be divided into three phases: generation → signature → propagation.

[0125] The generation phase involves generating a transaction. For example, a decision is made that "Corporation B will sell a car to Corporation A for 1 million yen," and the creation of the transaction is digitally signed. This digital signature is created by passing the transaction data through a predetermined hash function to generate a hash value, which is then encrypted using the private key SK of the parties to the transaction (person A and person B). A digital public key certificate may also be issued by a certification authority. While FIG. 19 shows an example of buying and selling a car, the object of the sale (transfer) is not limited to this, and could also be value such as electricity self-generated by a home or business, a user's specialized knowledge, experience, skills, personal connections (including online personal networks), or credibility.

[0126] The propagation phase involves having node 99b of the National Tax Agency 82 confirm that the transaction has been created and signed correctly. If it is determined that the transaction was not created and signed correctly, the transaction is discarded.

[0127] In the recording phase, if it is confirmed that the transaction has been correctly generated and signed, node 99b of the National Tax Agency 82 records the transaction. Once it is confirmed that the transaction has been correctly generated and signed, it moves to a place called a pool. Node 99b of the National Tax Agency 82 then selects a transaction to record from the pool and performs additional processing on the blockchain.

[0128] Blockchain data is stored in all nodes 99a and 99b. Transaction data and ledger / financial statement-related document data in the blockchain data are encrypted and stored using the common key of the user corresponding to each node 99a and 99b. The same transaction data A, B, C, etc. are prepared for each transaction party, each encrypted with the common key of the transaction party, and recorded in the blockchain. Figure 19 shows data from Co., Ltd. A, one of the transaction parties in Transaction F. This data is encrypted using common key K1. Data encrypted using common key K2 from Co., Ltd. B, the other party to Transaction F, is also recorded in the blockchain, but this data is not shown. The transaction F data encrypted using common key K1 and the transaction F data encrypted using common key K2 are recorded as blockchain data in all nodes 99a and 99b. Ledger / financial statement-related document data is also encrypted using a common key (e.g., K1) of the entity responsible for the ledger / financial statement (e.g., Co., Ltd. A) and recorded in all nodes 99a and 99b.

[0129] Therefore, the transaction details cannot be deciphered by anyone other than the parties to the transaction, and the accounting books and financial statements cannot be deciphered by anyone other than the parties involved, which has the advantage of protecting personal information and privacy.

[0130] Next, the main routine of the user terminal 54 having accounting processing system functions and the national tax server 88 will be described with reference to Figure 20. The user terminal 54 performs a Verifiable Credential acquisition process in S130, and the national tax server 88 performs a Verifiable Credential issuance process in S135. A Verifiable Credential is a verifiable credential, a digital certificate that holds information such as an educational background / career certificate or driver's license and proves that this information has been verified by a trusted institution. In this embodiment, it is used to prove that the user is a business operator.

[0131] Next, the user terminal 54 performs transaction processing in S131, and the national tax server 88 performs authentication processing at the time of transaction in S136. The user terminal 54 performs reporting processing in S132, and the national tax server 88 performs authentication processing at the time of reporting in S137.

[0132] Next, a typical Verifiable Credential mechanism will be explained based on Figure 20 (B). A Verifiable Credential always has an issuer. For example, a graduation certificate is issued by an educational institution, a driver's license is issued by the Public Safety Commission of each prefecture, and an employee training completion certificate is issued by the company that provided the training program.

[0133] These issuers will use platforms (such as Blockcerts) that can issue Verifiable Credential-compliant credentials and issue digital credentials as official certificates.

[0134] Next, the recipient (the holder in Figure 20(B)) stores the Verifiable Credential received from the issuer in their own registry and uses it according to their needs. For example, various cases are possible, such as a job offer that can only be applied for by holders of a specific qualification, logging in to a service, or accessing the owner page of an IoT device.

[0135] The verifier verifies the Verifiable Credential sent by the recipient and can determine whether or not to provide the service, or change the service plan depending on the type of credential.

[0136] It is desirable that the issuance of Verifiable Credentials incorporates a DID (Decentralized Identifier: a personal sovereign digital identity), and the combination of Verifiable Credentials and a DID can achieve SSI (Self-Sovereign Identity).

[0137] Next, the Verifiable Credential acquisition process shown in S130 and the Verifiable Credential issuance process shown in S135 will be described with reference to Figure 21 (A). The user terminal 54 determines whether to acquire a Verifiable Credential in S140, and if not, returns and proceeds to S131. If an operation to acquire a Verifiable Credential is performed and it is determined that a Verifiable Credential will be acquired, in S141 the public key certificate is transmitted to the national tax server 88 via the certification authority, and the business evidence, blockchain address, and common key K are also transmitted to the national tax server 88.

[0138] The national tax server 88 receives it in S146, determines YES in S146, and in S147 verifies the evidence of the business and issues a Verifiable Credential, encrypts the common key K with the master key MK, and stores it in the user DB 87. The user terminal 54 receives the issuance of the Verifiable Credential in S142 and stores the Verifiable Credential issued in S142 in the SSD 12 of its own user terminal 54.

[0139] Next, the transaction processing shown in S131 and the transaction authentication processing shown in S136 will be described with reference to Figure 21 (B). The user terminal 54 determines whether or not to conduct a transaction in S150, and if not, returns and proceeds to S132. If a transaction is to be conducted, a YES determination is made in S150, buyer processing is performed in S151, seller processing is performed in S152, and then returns. Meanwhile, the national tax server 88 performs buyer handling processing in S155, seller handling processing in S156, and then returns.

[0140] The buyer processing shown in S151 and the buyer response processing shown in S155 will be explained based on Figure 22 (A). The user terminal 54 determines whether the current transaction is a buyer transaction (for example, a transaction in which money is paid to purchase an item) in S160, and if it is a seller transaction, it is determined to be NO, returns, and proceeds to S152. If it is a buyer transaction, it is determined to be YES in S161, and user-side blockchain processing is performed in S162. In response to this, the national tax server 88 also performs administrator-side blockchain processing in S168.

[0141] Next, the user terminal 54 determines in S163 whether the current buyer transaction is a transaction by a general consumer (a consumer other than a business). If the transaction is by a general consumer, user-side blockchain processing is performed in S164. In response to this, the national tax server 88 also performs administrator-side blockchain processing in S168. Next, the user terminal 54 performs accounting processing in S165. This is a process of recording the flow of money in and out of the transaction in a ledger, using the accounting system installed in the user terminal 54.

[0142] On the other hand, if the transaction is not between ordinary consumers, i.e., if it is a business transaction by a business (for example, the purchase of a car for company use), the process proceeds to S166 and performs the buyer's consumption tax exemption process. This is a process for making a transaction exempt from consumption tax, i.e., a process for making a purchase transaction at a price excluding consumption tax. In response to this, the national tax server 88 also performs the buyer's consumption tax exemption process in S169, then returns and proceeds to S156.

[0143] The data stored in the user DB 87 shown in FIG. 22B has already been explained, so a repeated explanation will be omitted here.

[0144] Next, the buyer's consumption tax exemption processing shown in S166 and the buyer's consumption tax exemption response processing shown in S169 will be explained with reference to Figure 23. In S175, the user terminal 54 transmits the invoice registration number and Verifiable Credential to the transaction partner (the seller's user terminal 54) as a declaration that this is a business transaction. This invoice registration number and Verifiable Credential are received in S217 by the seller's user terminal 54, and in S218 the Verifiable Credentials and invoice registration numbers of both parties to the transaction are transmitted to the national tax server 88, where their authenticity is verified (S231), and the verification results are returned to the user terminals 54 of both parties to the transaction (S232 to S234).

[0145] The buyer's user terminal 54 receives the verification result in S176, and determines whether the verification result is correct (OK) in S177. If the verification result is incorrect, the process proceeds to S164, where the transaction is conducted with consumption tax. On the other hand, if the verification result is correct, the transaction is conducted without consumption tax in S178.

[0146] Next, the user terminal 54 performs accounting processing by linking the unique code in S179. Specifically, the unique code is written into the digital invoice (the unique code y3m85hs7 recorded in the digital invoice in Figure 19). This unique code was sent from the national tax server 88 in S236.

[0147] Next, the user terminal 54 performs user-side blockchain processing in S180. In response to this, the national tax server 88 performs administrator-side blockchain processing in S183.

[0148] Next, the seller transaction processing shown in S152 and the seller transaction response processing shown in S156 will be described with reference to FIG. 24. The user terminal 54 determines whether the current transaction is a seller transaction in S190. If it is not a seller transaction, it returns and proceeds to S132. On the other hand, if it is a seller transaction, it determines whether it is a tax-exempt or non-taxable transaction in S191. Non-taxable transactions include overseas consumption such as accommodation and dining abroad, gratuitous donations and gifts, and dividends on investments. Non-taxable transactions are not subject to taxation due to their nature, and include the following transactions 1 to 5: 1. Transfer and loan of land 2. Transfer of securities, etc., and transfer of payment instruments 3. Interest, guarantee fees, insurance premiums, etc. 4. Transfer of postage stamps, revenue stamps, gift certificates, prepaid cards, etc. 5. Administrative fees such as issuing a resident certificate and issuing a family register extract, and fees for foreign exchange transactions. In the case of a taxable or non-taxable transaction, user-side blockchain processing is performed in S192. In response, the national tax server 88 performs administrator-side blockchain processing in S198. If it is determined in S191 that the transaction is not taxable or non-taxable, it is determined in S193 whether it is a general consumer transaction. If it is a general consumer transaction, user-side blockchain processing is performed in S194. In response, the national tax server 88 performs administrator-side blockchain processing in S198.

[0149] If it is determined in S193 that the transaction is not a general consumer transaction, seller-side consumption tax exemption processing is performed in S195. In response, the national tax server 88 performs seller-side consumption tax exemption processing in S199. The user terminal 54 performs accounting processing in S195.

[0150] The user-side blockchain processing shown in S162, S164, S180, S192, S194, S223, S276, S292, and S306, and the administrator-side blockchain processing shown in S168, S183, S198, S237, S280, and S302 will be described with reference to FIG. 25 . The user terminal 54 determines whether a unique code has been received for the transaction (transaction) in S202. As described above, this unique code is sent from the national tax server 88 to the buyer's user terminal 54 in S236. If the transaction does not receive a unique code, the transaction is sent to the national tax server 88 in S203 with electronic signatures and a timestamp from both parties. The national tax server 88 receives the transaction in S208 and temporarily stores only transactions that have been correctly generated and signed in a pool in S209.

[0151] On the other hand, for transactions for which a unique code has been received, the user terminal 54 attaches the unique code, electronic signatures of both parties, and a timestamp to the transaction and sends it to the national tax server 88 in S204. Specifically, the unique code is written into the digital invoice during the transaction (see Figure 19) and sent. The national tax server 88 receives this in S208 and temporarily stores in the pool only those transactions that have been correctly generated and signed in S209. At this time, the encrypted common key corresponding to the sent address is read from the user DB 87, and decrypted with the master key MK to obtain a common key (e.g., K1), which is used to encrypt the received data and temporarily store it in the pool. If the national tax server 88 has not received a transaction, control proceeds to S210.

[0152] After the processes of S203 and S204, the user terminal 54 periodically transmits national tax-related books and settlement-related documents to the national tax server 88 in S205. The national tax server 88 receives them in S210 and temporarily stores only those documents that are confirmed to be correct in the pool in S211. At this time, the encrypted common key corresponding to the transmitted address is read from the user DB 87, and the received data is encrypted with the common key (e.g., K1) obtained by decrypting the common key with the master key MK, and temporarily stores the data in the pool.

[0153] Next, the national tax server 88 determines in S212 whether it is time to record the block chain. When it is time to record the block chain, in S213, it calculates the hash value of the final block. Next, in S214, all data temporarily stored in the pool is encrypted for each transaction party using the common key and recorded in a new block, and the calculated hash value is recorded and the block is added. This added block chain data is recorded in all nodes 99a and 99b. The processes of S213 and S214 are actually executed by the national tax side node 99b with support from the national tax server 88.

[0154] As mentioned above, if the user DB 87 is installed in the court and the master key 83 is stored in the court, the court will be asked to perform the process of "encrypting each transaction party with its common key" in S214.

[0155] Next, the seller's consumption tax exemption processing shown in S195 and the seller's consumption tax exemption response processing shown in S199 will be explained with reference to Figure 26. The user terminal 54 determines in S217 whether or not it has received the buyer's Verifiable Credential. If it has not been received, it returns and proceeds to S132. If the buyer's user terminal 54 has sent the Verifiable Credential in S175, YES is determined in S217, and the Verifiable Credentials of both parties to the transaction (the received Verifiable Credential and the seller's own Verifiable Credential) and the invoice registration number are sent to the national tax server 88 in S218.

[0156] The national tax server 88 determines in S23 whether it has received the Verifiable Credentials and invoice registration numbers of both parties to the transaction, and if it has not yet received them, it returns and proceeds to S137. On the other hand, if it is determined in S23 that they have been received, it verifies both parties' invoice registration numbers and Verifiable Credentials in S231. It determines in S232 whether the verification result is correct (OK), and if it is correct, it returns a verification result of OK in S233, or if it is incorrect (NG), it returns an alert in S234 indicating that the verification result is NG and the consumption tax-free transaction is not approved. These replies in S233 and S234 are also sent to the seller's user terminal 54, as described above, and the seller's user terminal 54 receives the verification results sent in S233 and S234 in S176. As a result, whether or not to grant a consumption tax exemption is determined by integrating the buyer and seller as one transaction party; the decision on whether or not to grant a tax exemption is made for the buyer, not separately for the seller.

[0157] The user terminal 54 receives the verification results in S219 and determines whether the verification results are correct in S220. If the verification results are incorrect, the process proceeds to S164, where a general consumer transaction, i.e., a transaction with consumption tax, is carried out. If the verification results are correct, a digital invoice is sent to the buyer in S221, and the transaction is conducted without consumption tax. The transaction details (items purchased, etc.) and transaction amount of the tax-free transaction (tax-exempt transaction) are sent to the national tax server 88 (S222). The national tax server 88 receives the invoice registration numbers, transaction date and time, transaction amount, and transaction details (information a) of the seller and buyer, encrypts them with a unique code for identification, stores them in the transaction authentication DB 109, and transmits only the unique code to the buyer in S179. The buyer's user terminal 54 then performs accounting processing by linking the unique code in S179. Furthermore, a YES determination is made in S202.

[0158] Next, the user terminal 54 performs user-side blockchain processing in S223, and in response, the national tax server 88 performs administrator-side blockchain processing in S237.

[0159] Next, the filing process shown in S132 and the filing authentication process shown in S137 will be described with reference to Figure 27. The user terminal 54 determines whether or not to perform the filing process in S240. If it is not yet time to file, it returns and proceeds to S130. If it is time to file and the filing is to be made, a YES determination is made in S240 and the accounting system prepares the tax return documents (S241). Next, in S242, the tax return documents and their attached documents, including the tax-exempt transaction (tax-exempt consumption transaction) and the "finalized accounting data (and inventory / fixed asset data) and its unique code" (b information) as business expenses, etc., are sent to the national tax server 88.

[0160] The national tax server 88 determines in S250 whether it has received the information, and if it has not yet received it, proceeds to S135. On the other hand, if it is determined in S250 that it has received the information, in S251, the stored information (information a: buyer's invoice registration number, seller's invoice registration number, transaction date and time, transaction amount, transaction details) in the transaction authentication DB 109 is searched for using the same unique code as the unique code of (information b), and the (information a) and (information b) stored in association with the unique code are compared. In S252, it is determined whether the comparison results are consistent, and if they are consistent, a response is made in S253 to the effect that the information is appropriate, and N is cleared to zero in S259. On the other hand, if the information is inappropriate, an alert is returned in S254.

[0161] The user terminal 54 receives the information in S243, and determines in S244 whether or not a warning has been received. If it is not a warning, the process returns and proceeds to S130. If it is a warning, the user terminal 54 redoes the declaration in S247, and proceeds to S241, and the process goes through a loop of S241 → S242 → S243 → S244 → S247 → S241.

[0162] On the other hand, in the national tax server 88, after sending the alert warning in S254, the number of warnings N is incremented by 1 in S255, and it is determined in S256 whether N has reached 4, and if not, the process returns.

[0163] Each time the user terminal 54 goes through the loop of S241 → S242 → S243 → S244 → S247 → S241, the national tax server 88 repeatedly executes the loop of S250 → S251 → S252 → S254 → S255, and if a YES determination is made in S252 during this repetition, the redone tax return is recognized as correct, but if a NO determination is made in S252 repeatedly and a determination is made in S256 that the number of warnings N has reached four, an optional investigation preparation process is performed in S257, N is cleared to zero in S258, and then the process returns. The user's tax return confirmation and correction are repeated until the number of warnings N reaches four, at which point the optional investigation preparation process is performed, and the return can be subject to administrative guidance or administrative sanctions.

[0164] The voluntary investigation preparation process will be explained based on Figure 28 (A). In S261, the national tax server 88 searches the user DB 87 for the common key K corresponding to the received blockchain address and decrypts the blockchain data corresponding to the address. In S262, the plaintext blockchain data is compared with the tax return documents and (information b) to identify any discrepancies. The identified discrepancies are recorded and saved. This saved data has the advantage of being able to be used as evidence for a voluntary investigation into tax evasion. After the voluntary investigation is conducted, administrative guidance or administrative sanctions may be implemented as necessary, and in more serious cases, arrest may be made.

[0165] Next, a modified example of the above-mentioned accounting process will be described with reference to Fig. 28(B). In this modified example, taxes on fixed assets (including depreciable assets) are automatically paid using a smart contract.

[0166] The user terminal 54 determines in S266 whether or not to perform accounting processing. If it is time for periodic accounting processing, a YES determination is made in S266, and accounting processing is executed in S267. Next, in S268, it is determined whether or not a new fixed asset has been purchased. If a new fixed asset has been purchased, smart contract processing is performed in S269.

[0167] A smart contract is a system in which the details of a transaction are determined in advance on the blockchain based on a contract, and the conditions are confirmed and fulfilled automatically. The flow of a smart contract being executed on the blockchain consists of four steps: contract definition → event waiting → contract execution / value exchange → payment / settlement.

[0168] Contract definition is the step of defining the contract terms programmatically. Event waiting is the step of monitoring the trends of the assets and information that are the subject of the contract over a certain period of time. Contract execution / value exchange is the step of triggering a predetermined event when predefined conditions are met during event waiting, and executing processing in accordance with the contract conditions. Payment / settlement is the step of making payment / settlement of monetary value etc. associated with contract execution / value exchange.

[0169] The smart contract processing shown in S269 will be explained based on Figures 29(A) and 29(B). This smart contract processing automatically collects fixed asset tax (depreciable asset tax) using a smart contract. Fixed asset tax (depreciable asset tax) is a local tax (municipal tax) and is not directly related to the "Proposal for Rationalizing Consumption Tax by Eliminating Multi-Stage Taxation and the System Necessary for Its Implementation," but is described here as an appendix. The user terminal 54 defines a contract in S273. This contract definition will be explained based on Figure 29(B). In S283, the user terminal 54 determines whether the newly purchased fixed asset is a depreciable asset. If it is not a depreciable asset (e.g., real estate), in S284, the program defines the fixed asset tax and tax payment date and time according to the fixed asset amount, then returns and proceeds to S274. The tax amount is determined by calculating the tax base amount from the assessed value of the fixed asset and multiplying this tax base amount by the tax rate.

[0170] On the other hand, if it is a depreciable asset (for example, machinery or equipment), S285 defines the depreciable asset tax and tax payment date and time based on the depreciable asset amount, depreciation rate, and the proportion of business use, and then returns. For depreciable assets, the tax amount is also calculated by multiplying the tax base amount by the tax rate. For example, if the buyer is a sole proprietor and intends to use 50% of the car for personal use, and the proportion of business use in the car is recorded as an asset, then 50% of the car's purchase price for business use will be exempt from consumption tax, while the remaining 50% will be subject to consumption tax, making it ineligible for the B2B tax exemption.

[0171] Returning to FIG. 29(A), the user terminal 54 determines in S274 whether an event has occurred. If not, the process returns. If it is determined that an event has occurred, the contract is executed in S275. The national tax server 88 receives the tax payment in S278 and stores the tax payment details in association with the taxpayer in S279. Next, the user terminal 54 performs processing to store the tax payment details in the blockchain in S276, and the national tax server 88 also performs processing to store the tax payment details in the blockchain in S280.

[0172] When tax rates on fixed assets or depreciable assets are revised, the existing smart contract for automatic tax payment must be updated to a new version. One way to achieve this is to update the smart contract using the proxy pattern. This is a configuration pattern in which a proxy contract exists between the main contract and the user. Referring to Figure 30(A), the user accesses the proxy contract 120, which then forwards transactions to the main implementation contract containing the logic. In this implementation pattern, the proxy contract 120 remains unchanged and always has the same address, but the logic contract referenced by the proxy contract can be changed to a different implementation contract 121a, 121b, or 121c, allowing the contract as a whole to be considered upgradeable.

[0173] OpenZeppelinn, a library for smart contracts, supports the following three proxy patterns: 1. Transparent Proxy 2. UUPS Proxy 3. Beacon Proxy The Transparent Proxy pattern and UUPS Proxy pattern are patterns that make a single contract upgradeable, while the Beacon Proxy pattern is a pattern that makes multiple contracts upgradeable with a single implementation.

[0174] In the above explanation, smart contract processing is performed when accounting processing is executed (S269 is performed when S266 in FIG. 28(B) is YES), but smart contract processing may also be performed at the time of purchasing fixed assets (including depreciable assets).

[0175] Modifications of the second embodiment are listed below.

[0176] (1) Data recorded on the blockchain is encrypted with common keys K1, K2, K3, etc., unique to each user, but this is not limited thereto. For example, data may be encrypted with each user's public key PK. Blockchain data encrypted with each user's public key PK can only be decrypted with the private key SK, which is a pair of that public key. In other words, user A's information on the blockchain that has been encrypted with the public key PK and recorded can only be decrypted with the private key SK possessed only by user A, making it impossible for others to view, which has the advantage of protecting the user's personal information and privacy.

[0177] (2) Instead of or in addition to a verifiable credential used to prove a business's identity, an attribute certificate may be used to prove its identity. An attribute certificate is an x.509 certificate issued as a separate certificate from the public key certificate, containing attribute information about the entity for which the certificate is issued. The x.509 certificate is generally intended to link a public key (i.e., a private key pair) with its owner (and its identity), and is also known as a "public key certificate" (PKC).

[0178] (3) The blockchain 86 is configured as a private chain, but is not limited to this and may be configured as a public chain or a consortium chain. Furthermore, while data such as transactions, ledger books, and financial statements are recorded directly on the blockchain 86 (see FIG. 19 ), all or part of the data (e.g., ledger books and financial statements) may instead be stored outside the blockchain (e.g., P2P-based distributed data storage), with only the hash values ​​of the stored data stored in the blockchain 86. This allows the blockchain 86 to be linked to the data in the P2P distributed data storage. Periodic hashing of the data in the P2P distributed storage can be used to check whether it has been tampered with.

[0179] (4) Instead of or in addition to the National Tax Agency 82 performing transaction authentication using the transaction authentication system, a private authentication service organization may perform the authentication. Furthermore, the tax return authentication may also be performed by a private authentication service organization.

[0180] (5) If protection of personal information and privacy is not a consideration, the data recorded in the blockchain 86 does not necessarily have to be encrypted. Also, if protection of personal information and privacy is not a consideration, the common key stored in the user DB 87 does not necessarily have to be encrypted. Furthermore, if protection of personal information and privacy is not a consideration, data containing the seller's and buyer's invoice registration numbers, transaction date and time, transaction amount, and transaction details (information a) with a unique identification code attached may be stored in the transaction authentication DB 109 without encryption.

[0181] (6) Although an example has been shown in which smart contract processing is performed only on fixed asset tax (including depreciable asset tax) (see FIG. 29(A)), smart contract processing may be used to automatically pay all tax payments, not just fixed asset tax (including depreciable asset tax). When all tax payments are automatically performed through smart contract processing, if the "contract definition" of the smart contract processing is executed at the time of each transaction, such as a purchase or sale transaction, there is an advantage in that authentication by the "transaction authentication system" shown in FIG. 17 is sufficient and authentication at the time of filing can be omitted.

[0182] (7) While the above shows that transaction data, data on accounting documents, and timestamps are recorded on the blockchain, this is not limited to this. The timestamp may be omitted, and any data recording means that is difficult to tamper with may be used other than the blockchain. Furthermore, this data does not necessarily have to be recorded.

[0183] (8) The flowchart of the user terminal 54 described above has been described as operating within the user terminal 54, but this is not limited to this. For example, the flowchart may operate on the cloud in response to operations on the user terminal 54, such as SaaS (Software as a Service).

[0184] (9) If the buyer has sales that are exempt from consumption tax (or are not subject to consumption tax), the buyer may file and pay consumption tax based on the finalized settlement of accounts. This will be explained in detail below.

[0185] In principle, consumption tax is borne by consumers. However, if a business's sales include items that are exempt (or non-taxable), certain reduction adjustment measures are currently in place regarding the consumption tax deduction for expenses incurred to earn that income. This system does not allow for consumption tax deductions for expenses incurred to earn sales that are exempt (or non-taxable), and instead places the burden of consumption tax on businesses. If multi-stage taxation were abolished from the consumption tax system and business-to-business transactions (B2B transactions) were simply treated as exempt from consumption tax, the government would no longer have the opportunity to collect the consumption tax that was previously borne by businesses, resulting in a partial decrease in tax revenue and making certain adjustments necessary; we will explain this point first.

[0186] The terms used in the following description are defined as follows:

[0187] ・Tax-exempt transactions: housing rentals, land rentals and sales, social insurance medical treatment and nursing care insurance services, etc. ・Taxable transactions: insurance payments, damages, membership fees, subsidies, salaries, etc. ・Taxable sales: sales and other income that is subject to consumption tax, other than tax-exempt or non-taxable transactions ・Taxable purchases: purchases, expenses, acquisition of fixed assets, etc. that are subject to consumption tax, other than tax-exempt or non-taxable transactions ・Taxable sales ratio: (taxable sales + export tax-exempt sales) ÷ (taxable sales + tax-exempt sales + export tax-exempt sales) Here is an example of a real estate rental business (Company X). Taxable sales are rental income from tenants, and non-taxable sales are rental income from housing and land. In this example, Company X received 100 in consumption tax and paid 150 in consumption tax, exceeding the amount of consumption tax paid by 50. If there were no adjustment calculation for the purchase consumption tax, Company X would receive a tax refund of 50 from the government.

[0188] Under the current system, consumption tax on taxable purchases required to earn non-taxable sales is levied as follows:

[0189] a Consumption tax on taxable purchases required for taxable sales b Consumption tax on taxable purchases required for both taxable and non-taxable sales c Taxable sales ratio Calculation of input consumption tax adjustment a + b x c = adjusted input consumption tax In this way, the taxable input consumption tax required to earn non-taxable sales is not tax deductible, and the system is designed so that even businesses must bear the consumption tax for that amount. However, there are other adjustment measures in place for businesses with non-taxable income (subsidy income, membership fee income, etc.) above a certain level.

[0190] If the multi-stage taxation of consumption tax were eliminated and business-to-business transactions (B2B transactions) were exempt from consumption tax, the government would lose some of its previous tax revenue. As a measure to compensate for this loss of tax revenue, it is possible to revise the law so that if a purchasing business has tax-exempt or non-taxable sales, the purchasing business is required to declare and pay consumption tax based on the final financial statements, as follows: (※) Consumption tax payable to the government = {1 - (5 + 6 x 10)} x tax rate As a result of the above, if the B2B consumption tax exemption system is introduced, only three parties will be required to deposit, declare, and pay consumption tax: businesses that conduct transactions with consumers, businesses with a certain amount of tax-exempt or non-taxable sales, and businesses that conduct transactions that do not qualify for B2B consumption tax exemption. As a result, most other businesses will not be required to deposit, declare, or pay consumption tax, which will reduce the business burden and improve work efficiency, and will also significantly streamline and streamline the tax authorities' consumption tax investigations and collection procedures.

[0191] The control for filing and paying consumption tax based on the finalized settlement of accounts when a buyer business has sales that are exempt (or non-taxable) from consumption tax is described below with reference to FIG. 30(B). The steps S250 to S254 executed by the national tax server 88 are the same as those in FIG. 27, and therefore will not be repeated here. If the national tax server 88 determines that there is a match in S252, it determines in S400 whether there are any sales that are exempt (or non-taxable) from consumption tax. If it determines that there are no sales that are exempt (or non-taxable), it sends appropriate information in S253. On the other hand, if it determines that there are sales that are exempt (or non-taxable), it determines in S401 whether the buyer business has filed and paid consumption tax on the sales. If the buyer business has filed and paid consumption tax, it sends appropriate information in S253. If the buyer business has not filed and paid consumption tax, it sends an alert in S402. In this case, it also sends a message stating, "Please file and pay consumption tax on sales that are exempt (or non-taxable) from consumption tax."

[0192] The second embodiment described above discloses the following invention. [Technical Field] The present invention relates to a consumption tax processing system and a consumption tax processing method for processing consumption tax when the parties to a transaction are businesses. [Background Art] Patent Document 1, for example, discloses a technology that enables the matching of the amount of consumption tax paid with the declared amount of tax paid by special tax collectors, and aims to digitize and streamline tax payment procedures and final tax returns for special tax collectors, consumers, businesses, etc., and to digitize and streamline tax investigation procedures for consumption tax, etc., by tax offices, etc. [Prior Art Documents] [Patent Documents] [Patent Document 1] JP 2002-133035 A [Problem to be Solved by the Invention] However, this technology simply digitizes and streamlines tax payment procedures and final tax returns, and does not fundamentally improve the waste of the consumption tax system (value-added tax) that is the adoption of multi-stage taxation. Japan's consumption tax, as well as many other countries' value-added taxes, use a "multi-stage taxation" system. For example, if Company A purchases goods from Company B (purchase price 100) and sells them to Company C (selling price 200), Company A pays 10 in consumption tax to Company B and collects 20 in consumption tax from Company C. Company A then deducts the 10 it paid from the 20 it collected, leaving 10 in consumption tax to be paid to the government. In this way, in order for the 50 in consumption tax borne by consumers to end up in the national treasury, multiple stages of tax collection, collection, and payment are required. This complicates the consumption tax system and makes the administrative work for both taxpayers and tax collectors extremely cumbersome. In this paper, "consumption tax" and "value-added tax" are collectively referred to simply as "consumption tax."

[0193] The present invention was conceived in light of the above circumstances, and its purpose is to provide a consumption tax processing system and a consumption tax processing method that drastically improve the inefficiency of the consumption tax system, which is the adoption of multi-stage taxation. [Means for solving the problem] The subject matter of the present invention can be expressed, for example, as the following items. Drawings and disclosed portions of the embodiments corresponding to each invention specification are shown in parentheses.

[0194] (Item 1) A consumption tax processing system for processing consumption tax when the parties to a sale are businesses, comprising: a confirmation means for confirming that the buyer is a business when a sale is carried out (e.g., S175 to S177, S217 to S220, S230 to S234, etc.); a consumption tax collection means for making the sale a sale for which consumption tax is to be collected if the confirmation means does not confirm that the buyer is a business (e.g., NO in S232) (e.g., NO in S220 → executes a general consumer transaction via S164 and subsequent steps); and a tax exemption approval means (e.g., S221, etc.) for allowing a sale exempt from consumption tax on the condition that the confirmation means confirms that the buyer is a business (e.g., YES in S232).

[0195] With this structure, while the original purpose of collecting consumption tax from non-businesses can be achieved, the multi-stage taxation can be abolished and the consumption tax system can be simplified, reducing the burden on businesses and improving operational efficiency, and also streamlining and rationalizing the tax authorities' investigations and collection procedures related to consumption tax.

[0196] (Item 2) The consumption tax processing system described in Item 1 further comprises a storage means (e.g., S222, S235, S236, transaction authentication DB109, etc.) for storing data regarding sales and purchases exempt from consumption tax that have been approved by the tax exemption approval means, and a determination means (e.g., S250 to S252, etc.) for comparing the tax return data of the buyer party that has been confirmed to be a business by the confirmation means with the data stored in the storage means and determining whether they are consistent.

[0197] With this configuration, it is possible to confirm that tax returns are being filed in accordance with permitted sales and purchases exempt from consumption tax, and to discover any inconsistent or fraudulent returns.

[0198] (Item 3) A consumption tax processing system as described in Item 1 or Item 2, wherein the determination means identifies and determines the correspondence using an identifier (e.g., a unique code) that identifies which consumption tax-exempt sales transaction in the data stored in the storage means corresponds to which part of the declaration data (e.g., S251, etc.).

[0199] (Item 4) A consumption tax processing system as described in Item 2 or Item 3, further comprising an electronic bookkeeping storage means (for example, the user-side blockchain processing and administrator-side blockchain processing in Figure 25, blockchain 86, Figure 19, etc.) that electronically stores data on tax-related books and documents, and a record-keeping means that, when the determination means determines that there is an inconsistency, compares the declaration data with the data stored by the electronic bookkeeping storage means to extract differences and record and store the differences.

[0200] According to this configuration, the discrepancies recorded and stored by the record-keeping means can be used as evidence of tax evasion.

[0201] (Item 5) A consumption tax processing method for processing consumption tax when the parties in a transaction are businesses, comprising: a confirmation step (e.g., S175-S177, S217-S220, S230-S234, etc.) for confirming that the buyer is a business when conducting a transaction; a consumption tax collection step (e.g., NO in S220 → executing a general consumer transaction via S164 and subsequent steps) for making the transaction subject to consumption tax if the confirmation step does not confirm that the buyer is a business (e.g., NO in S232); and a tax exemption approval step (e.g., S221, etc.) for allowing the transaction to be exempt from consumption tax, provided that the confirmation step confirms that the buyer is a business (e.g., YES in S232). [Third Embodiment] Next, a third embodiment will be described. This third embodiment relates to an invention that introduces a new tax system (hereinafter referred to as a "circulation tax") that subjects "transfers of funds" to taxation, in addition to or in place of the first and second embodiments described above.

[0202] Currently, the main taxes that companies must pay include: - (On profits) Corporate tax, business tax (income tax), corporate prefectural inhabitant tax, corporate municipal inhabitant tax - (On assets) Fixed asset tax, city planning tax, automobile tax, automobile weight tax, etc. - (On added value) Consumption tax, business tax (added value tax) - (Other) Withholding income tax on salaries, etc., special collection of resident tax, stamp duty, etc. Each of these is based on different laws and regulations, and different organizations are responsible for collecting each tax. Furthermore, considerable costs, time, and manpower are spent on both the taxpayers and collectors.

[0203] The transition to a cashless society is currently underway, and payment of salaries in digital currency has already been legalized. It is expected that the transition to digital currency will progress rapidly in the future.

[0204] The following is a typical situation for a company. Note that the figures below show percentages with sales set at 100%.

[0205] Sales 100, labor costs 7.9, profit 3.2, cumulative deposits 192.6, cumulative deposits withdrawals 194.2 The taxes paid on this are corporate tax etc. 0.9, consumption tax 1.1, payroll withholding income tax 0.3, payroll resident tax 0.4, other taxes 0.1, total 2.9. If, based on the above, a "circulation tax" were to be established that taxes the "transfer of funds," the country could secure a large source of revenue by imposing a low rate tax on deposits and withdrawals (total 386.8).

[0206] If the tax rate were set at 0.2%, and collected from both the payer and the recipient of a financial transaction, the tax revenue would be (192.6 + 194.2) x 0.2% x 2 = 1.55, a figure comparable to the combined total of corporate, income, and local taxes. If currency were digitized, legislation could be enacted requiring financial transactions to be conducted through a system with a circulation tax withholding function. A system could be established in which the tax is withheld and paid to the government each time a financial transaction is made. This would minimize the burden of tax payment and collection, and realize an ideal tax system with minimal tax burden on taxpayers. By fine-tuning the circulation tax rate, the government would be able to freely adjust tax revenue surpluses and shortfalls, resulting in a significant streamlining of the fiscal system.

[0207] Furthermore, even now, if a taxpayer makes a profit from virtual currencies such as Bitcoin, they are subject to income tax, resident tax, etc., and if the taxpayer does not voluntarily declare it, the tax office will require them to declare it (tax offices are constantly collecting transaction data between virtual currency dealers and their customers and monitoring to ensure that no declarations have been missed).

[0208] Even under the current tax system, it is possible to objectively evaluate the value exchanged in the Metaverse, calculate a monetary amount, and impose taxes just as in the real world. However, the tax system in the real world began with land taxes (annual tribute) that have continued since the Middle Ages, and has been built to target real human activity according to the needs of each era. It is now extremely complex, with many unnecessary and inconsistent aspects. What if, in the Metaverse, the government were to guarantee order and safety in the Metaverse society, just as in the real world, but instead impose a distribution tax? One possible solution would be to establish a secure "system that mediates the distribution of value" within the Metaverse, which would have the function of withholding distribution tax and paying it to the government.

[0209] A specific control flow of the distribution tax system will be explained based on Figure 31. Figure 31 shows a case where a payer user A and a receiver user B transfer funds through a buying and selling transaction. In consideration of the buying and selling between the two users, the user terminal 54 of user A transfers funds M to user B in S290. The user terminal 54 of user B receives the funds in S304.

[0210] Next, the user terminals 540 of users A and B pay a distribution tax DT = M × R at a tax rate R corresponding to the field of transaction in steps S291 and S305. In Figure 31, the government fine-tunes the distribution tax rate for each field of transaction, resulting in different tax rates for each field of transaction. This tax rate adjustment allows for adjustments to industrial development in each field. For example, if Japan's AI industry is to develop in the future, the distribution tax rate in the AI ​​field can be adjusted lower.

[0211] The national tax server 88, which collected the tax payments in S291 and S305 in S300, allocates the collected distribution tax to the national and local governments in a predetermined ratio in S301. For example, the national government allocates 80% and the local governments allocate 20%. Next, user-side blockchain processing is performed in S292 and S306 at both user terminals 54, and administrator-side blockchain processing is performed by the national tax server 88 in S302. In this blockchain processing, since no unique code exists, the aforementioned S202 will return NO.

[0212] The following are some examples of modifications:

[0213] (1) As a method for distributing the distribution tax to the national and local governments in S301, the distribution may be controlled to the local government where the user who transferred the funds resides. Specifically, the addresses of each user are also transmitted to the national tax server 88 in S291 and S305, and the national tax server 88 receives the addresses and controls the distribution of a portion of the collected distribution tax (for example, 40%) to the local government where the user resides.

[0214] (2) The concept of transferring funds M also includes the acquisition of virtual currency. For example, the method of acquiring virtual currency may be any method, such as by mining a blockchain.

[0215] (3) Although an example of introducing a circulation tax in place of an existing tax system (e.g., consumption tax, fixed asset tax, corporate tax, business tax, etc.) has been described, the present invention is not limited to this, and a part of an existing tax system (e.g., corporate tax, business tax, etc.) may be replaced with a circulation tax. For example, a part of an existing tax system (e.g., corporate tax, business tax, etc.) may be replaced with a circulation tax, and the remainder (e.g., fixed asset tax (including depreciable asset tax)) may be automatically paid by a smart contract (see FIG. 29).

[0216] (4) The means of transferring funds also include automated transfers via smart contracts. For example, each time a non-fungible token (NFT) of a copyrighted work is traded and circulated, funds are automatically transferred between the parties to the transaction (from the payer to the recipient) and to the copyright holder via a smart contract.

[0217] (5) The flowchart of the user terminal 54 described above has been described as operating within the user terminal 54, but is not limited to this. For example, the flowchart may operate on the cloud in response to operations on the user terminal 54, such as SaaS (Software as a Service).

[0218] The third embodiment described above discloses the following invention. [Technical Field] The present invention relates to a tax system and tax payment method that tax fund transfers. [Background Art] Patent Document 1, for example, describes a technology that enables the matching of consumption tax payments with tax payments filed by special tax collectors, digitizes and streamlines tax payment procedures and final tax returns for special tax collectors, consumers, businesses, etc., and also digitizes and streamlines tax audit procedures for consumption tax, etc., for tax offices, etc. [Prior Art Documents] [Patent Documents] [Patent Document 1] JP 2002-133035 A [Problem to be Solved by the Invention] However, this technology merely digitizes and streamlines tax payment procedures and final tax returns, and does not fundamentally reform the tax system itself. [Problem to be Solved by the Invention] The present invention was devised in light of the above situation, and its purpose is to provide a tax system and tax payment method that fundamentally reforms the tax system itself and significantly reduces the burden of tax payment and collection. [Means for Solving the Problem] The subject matter of the present invention can be expressed, for example, as the following items. The drawings and disclosed portions of the embodiments corresponding to each invention-specific feature are shown in parentheses.

[0219] (Item 1) A tax system comprising: a funds transfer means (e.g., S290, S304) for transferring funds associated with a transaction; and an automatic payment means (e.g., S291, S305) for automatically paying tax calculated by multiplying the amount of funds transferred by the funds transfer means by a predetermined tax rate.

[0220] This structure would enable a fundamental reform of the tax system itself and a significant reduction in the burden of tax payment and collection.

[0221] (Item 2) A tax system according to Item 1, wherein the tax rate is adjusted and set for each field of the transaction.

[0222] With this configuration, it is possible to adjust industrial development in each field by adjusting tax rates in each field.

[0223] (Item 3) The tax system according to item 1 or 2, further comprising a distribution means (e.g., S301) for distributing the tax paid by the automatic payment means to local governments.

[0224] (Item 4) The tax system according to Item 3, wherein the distribution means distributes the funds to the region where the person who transferred the funds resides.

[0225] (Item 5) A tax payment method comprising: a fund transfer step (e.g., S290, S304) for transferring funds associated with a transaction; and an automatic payment step (e.g., S291, S305) for automatically paying tax obtained by multiplying the amount of funds transferred in the fund transfer step by a predetermined tax rate. [Other Embodiments] Next, other embodiments will be described. In addition to the first to third embodiments described above, this embodiment employs various tax systems within the metaverse, and conducts a social experiment in which metaverse members carry out economic activities under various tax system environments.

[0226] Special economic zones have been a venue for such social experiments. However, because special zones are established in the real world, it is necessary to obtain consensus from residents before establishing a special zone, and there are also drawbacks to creating many different types of special zones, which can be extremely difficult.

[0227] In light of this situation, the idea was conceived to use the metaverse as a place to conduct various social experiments.

[0228] 32, multiple metaverses A, B, ... N are prepared, and each metaverse adopts a different tax system A, B, ... N. Users voluntarily join one or more metaverses and engage in economic activities.

[0229] The metaverse tallying process by the national tax server 88 will be described with reference to Figure 33. In S310, the national tax server 88 periodically tallys up the total number of users, the number of active users, and the total tax revenue for each metaverse. Next, in S311, the tallying results are stored in the metaverse user DB 555 of the National Tax Agency 82.

[0230] This state is shown in Figure 34. The results of the total number of users, the number of active users, and the total tax revenue periodically collected by S310 are all stored in the metaverse user DB 555. The results of the periodic collection are stored one by one in the metaverse user DB 555, and become trend data.

[0231] From these results, the tax system in the metaverse where the number of total users and the number of active users are increasing is the most popular tax system. Also, the larger the value of total tax revenue divided by the number of active users, the larger the tax revenue from each user. The ideal tax system would be one where the number of total users and the number of active users are increasing while maintaining this value of tax revenue divided by the number of active users at or above a predetermined value.

[0232] The embodiments disclosed herein should be considered to be illustrative in all respects and not restrictive. The scope of the present invention is defined by the claims, not by the above description, and is intended to include all modifications within the meaning and scope of the claims.

[0233] 10g GPU, 10c CPU, 51 Cloud server, 50 Internet, 54 User terminal, 55 Tax saving app, 56 Crawler, 57 Tax saving DB, 60 Machine learning means, 61 AI model, 62 Financial DB for each user, 63 User DB, 64 Wearable device, 82 National Tax Agency, 86 Blockchain, 87 User DB, 88 National tax server.

Claims

1. A service provision system that provides a service that supports management based on a user's financial information, comprising: financial information storage means that collects users' financial information and stores it in association with each user; business plan proposal means that proposes business plans that match the users' financial information stored in the financial information storage means; adopted business plan storage means that stores business plans adopted by users who have received proposals from the business plan proposal means in association with each user; information analysis means that analyzes the business plans adopted by users that are stored in the adopted business plan storage means and the financial information stored in the financial information storage means to obtain knowledge; and service provision means that provides a service based on the knowledge obtained by the information analysis means.

2. The service provision system described in claim 1, wherein the information analysis means has the function of extracting business strategies adopted by users from the adopted business strategy storage means, and extracting trends in financial information of users who have adopted the business strategies from the financial information storage means, and obtaining insight into the contribution of the business strategies based on both extracted data.

3. A service provision system as described in claim 1 or 2, wherein the business plan proposal means has a function of proposing tax saving measures, the adopted business plan storage means has a function of storing tax saving measures adopted by users, and the information analysis means has a function of analyzing the tax saving measures adopted by users stored in the adopted business plan storage means and the financial information stored in the financial information storage means to obtain insights.

4. A service provision method for providing a service that supports management based on a user's financial information, comprising: a financial information storage step of collecting users' financial information and storing it in association with each user; a business plan proposing step of proposing a business plan that matches the user's financial information stored in the financial information storage step; an adopted business plan storage step of storing, in association with each user, business plans adopted by users who have received proposals in the business plan proposing step; an information analysis step of analyzing the business plans adopted by the users stored in the adopted business plan storage step and the financial information stored in the financial information storage step to obtain insight; and a service provision step of providing a service based on the insight obtained in the information analysis step.

5. A program executed by a terminal to receive a service that provides management support based on a user's financial information, the program causing the terminal to execute the following steps: a financial information transmission step of transmitting the user's financial information to a server; a step of receiving a business plan proposal from the server that matches the user based on the financial information; an adopted business plan transmission step of transmitting to the server the business plan adopted by the user who received the proposal; and a step of receiving a service based on knowledge obtained by the server when the server analyzes the business plan and the financial information transmitted by the user.

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