MONEY MANAGEMENT SYSTEM, MONEY MANAGEMENT METHOD, DONATION MANAGEMENT SYSTEM, DONATION MANAGEMENT METHOD AND PROGRAM

To enable the management of monetary flows, a money management system comprising: a token issuing unit that issues a token of a blockchain according to an amount of transferred money from a transferor to a transferee; a token transfer processing unit that transfers the token in response to a transfer of all or part of the transferred money from the transferee; a transaction information acquisition unit that acquires transaction information indicating a transaction between accounts in a financial institution; a verification processing unit that verifies a correspondence between the transferred token and the transaction.

BACKGROUND OF THE INVENTION

Field of the Invention

The present invention relates to a money management system, money management method, donation management system, donation management method and program.

Description of the Related Technology

The receipts from donors are checked, see for example Patent Application Publication No. 2018-14567

SUMMARY

Technical Problem

However, there is no control over how donations are distributed from the organization that collected donations to the final beneficiaries.

The present invention was made in light of this background, and is intended to provide technologies capable of managing the flow of money.

Solution to Problem

The main invention for solving the above-described problem is a money management system comprising: a token issuing unit that issues a token of a blockchain according to an amount of transferred money from a transferor to a transferee; a token transfer processing unit that transfers the token in response to a transfer of all or part of the transferred money from the transferee; a transaction information acquisition unit that acquires transaction information indicating a transaction between accounts in a financial institution; a verification processing unit that verifies a correspondence between the transferred token and the transaction.

The other problems and methods for solving them disclosed in the present application are clarified in the sections and drawings of the embodiments of the invention.

Advantageous Effects of Invention

According to the present invention, the flow of money can be managed.

DETAILED DESCRIPTION OF CERTAIN INVENTIVE EMBODIMENTS

Outline of the Invention

The contents of embodiments of the present invention will be described with reference. The present invention includes, for example, the following configurations.

A money management system comprising:a token issuing unit that issues a token of a blockchain according to an amount of transferred money from a transferor to a transferee;a token transfer processing unit that transfers the token in response to a transfer of all or part of the transferred money from the transferee;a transaction information acquisition unit that acquires transaction information indicating a transaction between accounts in a financial institution;a verification processing unit that verifies a correspondence between the transferred token and the transaction.

A donation management comprising:a token issuing unit that issues a token of a blockchain according to an amount of donation;a token transfer processing unit that transfers the token in response to a remittance of the donation;a transaction information acquiring unit that acquires transaction information indicating a transaction between accounts in a financial institution;a verification processing unit that verifies a correspondence between the transferred token and the transaction.

The donation management system according to item 2, wherein:the token issuing unit issues the token according to the amount of the donation to the account of the donor in the blockchain;the token transfer processing unit transfers the token, in response to a remittance of the donation to a first account of an organization, from the account of the donator to an account of the organization in the blockchain;the token transfer processing unit transfers the token, in response to an input indicating that a remittance from the first account to a second account of a beneficiary, from the account of the organization to an account of the beneficiary in the blockchain;the transaction information acquiring unit acquires the transaction information representing a transaction from the first account to the second account;the verification processing unit verifies that the amount of the tokens transferred from the account of the organization to the account of the beneficiary corresponds to the amount transferred from the first account to the second account.

The donation management system according to item 3 further comprising:a certificate issuing unit that issues a certificate certifying that the donation has been paid to the beneficiary if the verification is successful.

A donation management system according to item 3 or 4 further comprising:a tracking information display unit that displays an amount which has been remitted to the beneficiary from the donor for each donor, the amount within the amount of the donation from the donor.

A method executed by a computer to manage money, the method comprising:a step of issuing a token of a blockchain according to an amount of transferred money from a transferor to a transferee;a step of transferring the token in response to a transfer of all or part of the transferred money from the transferee;a step of acquiring transaction information indicating a transaction between accounts in a financial institution;a step of verifying a correspondence between a transfer of the token and the transaction.

A method executed by a computer to manage donation, the method comprising:a step of issuing a token of a blockchain according to an amount of donation;a step of transferring the token in response to a remittance of the donation;a step of acquiring transaction information indicating a transaction between accounts in a financial institution;a step of verifying a correspondence between the transfer of the token and the transaction.

A method executed by a computer to manage donation, the method comprising:a step of issuing a token according to an amount of a donation to an account of a donor in a blockchain;a step of transferring the token, in response to a remittance of the donation to a first account of an organization, from the account of the donator to an account of the organization in the blockchain;a step of transferring the token, in response to an input indicating that a remittance from the first account to a second account of a beneficiary, from the account of the organization to an account of the beneficiary in the blockchain;a step of acquiring the transaction information representing a transaction from the first account to the second account;a step of verifying that the amount of the tokens transferred from the account of the organization to the account of the beneficiary corresponds to the amount transferred from the first account to the second account.

A program causing a computer to execute:a step of issuing a token of a blockchain according to an amount of transferred money from a transferor to a transferee;a step of transferring the token in response to a transfer of all or part of the transferred money from the transferee;a step of acquiring transaction information indicating a transaction between accounts in a financial institution;a step of verifying a correspondence between a transfer of the token and the transaction.

A program causing a computer to execute:a step of issuing a token of a blockchain according to an amount of donation;a step of transferring the token in response to a remittance of the donation;a step of acquiring transaction information indicating a transaction between accounts in a financial institution;a step of verifying a correspondence between the transfer of the token and the transaction.

A program causing a computer to execute:a step of issuing a token according to an amount of a donation to an account of a donor in a blockchain;a step of transferring the token, in response to a remittance of the donation to a first account of an organization, from the account of the donator to an account of the organization in the blockchain;a step of transferring the token, in response to an input indicating that a remittance from the first account to a second account of a beneficiary, from the account of the organization to an account of the beneficiary in the blockchain;a step of acquiring the transaction information representing a transaction from the first account to the second account;a step of verifying that the amount of the tokens transferred from the account of the organization to the account of the beneficiary corresponds to the amount transferred from the first account to the second account.

Outline of Donation Management

FIG. 1is a diagram illustrating the flow of donations. The donations from the donors1will be collected in the charity organization2which raises donations, and all or part of the donations will be distributed from the charity organization2to the beneficiaries3. When collecting donations, the payments from the donors1are often checked. However, how much money was provided to the beneficiaries3(or spent on other expenses) by the charity organization2could not be traced. Accordingly, the donation management system10in accordance with this embodiment is intended to figure out the flow of such donations.

FIG. 2is a diagram illustrating the management of the flow of donations in the donation management system10according to the present embodiment. The donation from the donor1is assumed to be deposited into the account41of the charity organization2at a financial institution (although bank4is assumed in this embodiment, it may be another type of financial institution if the institution is able to manage the legal currency). In the donation management system10of this embodiment, tokens of the blockchain5corresponding to the amount of donation are issued, and the tokens corresponding to the amount of money received in the account41in the bank4are placed in the wallet of the charity organization2(in this embodiment, the account in the blockchain5is referred to as a wallet). In this embodiment, regarding the tokens issued in the block chain5, one unit of the legal currency received by the charity organization2is equal to one token (i.e. the token may be a stable coin pegged to a legal currency). The tokens according to the amount of money provided by the charity organization2to the beneficiary3are transferred from the wallet51of the charity organization2to the wallet52of the beneficiary3, and the actual remittance of the legal currency to the beneficiary3is obtained as a trade information indicating the remittance of money from the account41of the charity organization2to the account42of the beneficiary3to verify that the token transfer coincides with the remittance of the legal currency. In this manner, the donation management system10of the embodiment allows the flow of the tokens to be managed in conjunction with the flow of the legal currency.

System Overview

FIG. 3is a diagram illustrating an example of an overall configuration of a system according to the present embodiment. The system of the embodiment includes a management server20. The management server20is communicatively connected to the blockchain network5and may manage various types of information in a distributed ledger managed by the blockchain network5. In addition, it assumes that the blockchain network5is a general blockchain network consisting of a plurality of computer nodes, and the detailed explanation of the name is omitted. The management server20is also communicatively connected to a donor terminal11of the donor1, a charity terminal12of the charity organization2, a beneficiary terminal13of the beneficiary3, a bank server14of the bank4, and a payment server15via a communication network16. The communication network16is, for example, the Internet and may be constructed by a public telephone network, a cellular telephone network, a wireless communication line, an Ethernet (registered trademark), or the like.

Hardware Configuration

FIG. 4is a diagram illustrating an example of a hardware configuration of a computer. The donor terminal11, the charity terminal12, the beneficiary terminal13, the bank server14, the payment server15, management server20, and the computer nodes consisting the blockchain network5may all have the hardware configuration shown inFIG. 4. The illustrated configuration is exemplary and may have the other configuration. The computer shown inFIG. 4may also be a general purpose computer, such as a workstation or personal computer, or may be logically implemented by cloud computing.

The computer includes a CPU01, a memory102, a storage103, a communication interface104, an input device105, and an output device106. The storage device103may be, for example, a hard disk drive, a solid state drive, a flash memory, or the like, for storing various types of data or programs. The communication interface104is an interface for connecting to the communication network16, such as an adapter for connecting to the Ethernet (registered trademark), a modem for connecting to the public telephone network, a wireless communication device for performing wireless communication, or a USB (Universal Serial Bus) connector or an RS232C connector for serial communication. The input device105may be, for example, a keyboard or mouse, a touch panel, a button, a microphone, or the like, for inputting data. The output device106may be, for example, a display, a printer, a speaker, or the like, for outputting data.

FIG. 5is a diagram illustrating an example of a software configuration of a donator terminal11. The donor terminal11includes a remittance processing unit111, a donation certificate obtaining unit112, and a provided information browsing unit113. Note that each of these functional sections may be implemented by the CPU101reading out a program stored in the storage device103into the memory102and executing it at the donor terminal11.

The remittance processing unit111processes the remittance of the donation. In this embodiment, it assumes that the management server20as described below collects donations using the payment service provided by the payment server15. Therefore, the remittance processing unit111can perform the remittance processing, for example, by transmitting a remittance request pertaining to the payment service.

The donation certificate obtaining unit112may obtain a certificate from the management server20regarding the use of the donation (the beneficiary3and the amount provided to the beneficiary3). The obtained certificate may be recorded in the storage device103or the like of the donor terminal11.

The provided information browsing unit113browses information representing the use of donations (hereinafter referred to as the provided information). For example, the provided information browsing unit113may access the management server20using the HTTP protocol and view the provided information in the form of a web page.

FIG. 6is a diagram illustrating an example of a software configuration of a management server20. The management server20includes a donation receiving unit211, a token issuing unit212, a token transfer processing unit213, a money transfer processing unit214, a payment account information acquiring unit215, a transaction information acquiring unit216, a verification processing unit217, a donation history registration unit218, a certificate issuing unit219, a provided information output unit220, a provided information storage unit231, and a donation history storage unit232.

The donation receiving unit211, the token issuing unit212, the token transfer processing unit213, the money transfer processing unit214, the payment account information acquiring unit215, the transaction information acquiring unit216, the verification processing unit217, the donation history registration unit218, the certificate issuing unit219, and the provided information output unit220are implemented by CPU101reading out a program stored in the storage device103into the memory102and executing it at the management server20, and the provided information storage unit231and the donation history storage unit232are implemented as part of the storage area provided by the memory102and the storage area of the management server20.

The donation receiving unit211receives donations. In this embodiment, the donation receiving unit211may collect the donation by charging the donator1using the payment service provided by the payment server15. The donation receiving unit211may collect, for example, system usage fees and handling fees. The donation (which may be the amount of fees from which the handling fee, etc. is reduced) is deposited to the payment account of the charity organization2in the payment service. The donation receiving unit211may also, for example, transmit a request to the payment server15to process a deposit from the payment account of the charity organization2into the account41of the charity organization2in the bank4.

The token issuing unit212issues a token in the blockchain network5. In the embodiment, the token issuing unit212issues a token of the same amount as the donated amount. The token issuing unit212issues a token to the donor1, and the issued token may be registered in the wallet53of the donor1.

The token transfer processing unit213performs the transfer processing of the token. The token transfer processing unit213may transfer the specified token from the wallet51of the charity organization2to the wallet52of the beneficiary3by issuing a transaction that transfers the token from the charity organization2to the beneficiary3according to the instruction from the charity terminal12. In the instruction from the charity terminal12, the amount to be provided to the beneficiary3(i.e. the amount of tokens to be transferred) is specified.

The money transfer processing unit214pays the donation to the charity organization2and the beneficiary2. The money transfer processing unit214handles the transfer of money from the payment account of the charity organization2to the account41of the charity organization2in the bank4. The money transfer processing unit214may, for example, transfer money by sending a request to the payment server15. The transfer of money from the account41of the charity organization2to the account41of the beneficiary3is executed by the charity organization2.

The payment account information acquiring unit215acquires information of the payment account (hereinafter referred to as the payment account information) regarding the payment service. The payment account information acquiring unit215may acquire the payment account information using, for example, an API (Application Programming Interface) provided by the payment server15. The payment account information acquiring unit215shall acquire the payment account information of the charity organization2regarding the payment account to which the charged donation is to be deposited.

The transaction information acquiring unit216acquires information (hereinafter referred to as the transaction information) concerning the transaction (including deposit, disbursement, or transfer) related to the account in the bank4. The transaction information acquiring unit216may, for example, access the bank server14to acquire the transaction information or may accept the input of the transaction information from an operator.

The verification processing unit217verifies that the movement of the token between wallets in the blockchain network5matches the movement of money between accounts in the bank4. The verification processing unit217may acquire a history of the movement of the token in the blockchain network5from the blockchain. The verification processing unit217may compare the movement history of the token with the transaction information to verify the consistency between the movement of the token and the transfer of money. When the transfer of money to the beneficiary3coincides with the transfer of the token, the verification processing unit217may create the provided information and register it in the provided information storage unit231.

The provided information storage unit231stores the provided information. The provided information is information indicating that the donation was provided to the beneficiary3. As shown inFIG. 6, the provided information includes the payment account information and the transaction information, corresponding to the datetime of verification, the charity ID representing the charity organization2, and the beneficiary ID representing the beneficiary3.

The donation history registration unit218registers the donation history by the donor1. The donation history registration unit may register the donation history in the donation history storage unit232. In this embodiment, the donation history registration unit218registers the donation history at the time when the donation is provided to the beneficiary3.

The donation history storage unit232stores the donation history. The donation history includes a charity ID indicating the charity organization2who raised the donation, a beneficiary ID representing the beneficiary3to which the charity organization2provided the money, the amount of the money provided to the beneficiary3in connection with the donor ID representing the donor1.

The certificate issuing unit219issues a certificate of that the donation have been delivered to the beneficiary3. The certificate issuing unit219may issue a certificate on the condition of that the verification by the verification processing unit217described above is successful.

The provided information output unit220(corresponding to the tracking information display unit of the present invention) outputs the provided information. For example, the provided information output unit220may output the provided information as a web page. The provided information output unit220may provide the analysis result after performing various analyses on the provided information. For example, the provided information output unit220may provide information indicating how much money is provided for each beneficiary3. The provided information output unit220may, for example, execute aggregation for each attribute of the donor1and provide information indicating that the donation from which donor1has been delivered to which beneficiary3.

Manage the Flow of Donations

FIG. 7is a diagram illustrating a structure of donation management in the donation management system according to the present embodiment.

The donor1transfers donation to the donation management system10using the donor terminal11(S701). The management server20of the donation management system10, for example, receives donation from the donor1in the legal currency using the payment agency service provided by the payment server15(S702), and the received donation is deposited into the payment account151of the payment service for the charity organization2(S703). Here, the management server20may deposit money into the payment account151by subtracting the handling fee from the donation.

On the other hand, the management server20issues tokens the amount of which is equal to the amount of the received donation (S703), and the issued tokens are registered in the wallet53of the donor1(S704). The tokens are transferred from the wallet53of the donator1to the wallet51of the charity organization2(S705). Here, the management server20may transfer the tokens corresponding to the handling fee from the wallet51of charity organization2to the wallet of the system.

According to the instruction from the charity terminal12, the management server20transfers the tokens, the amount of which is equal to the money provided from the charity organization2to the beneficiary3, from the wallet51of the charity organization2to the wallet52of the beneficiary3(S706). Then, the management server20confirms the transfer of the tokens from the wallet51to the wallet52in response to the conversion order from the charity terminal12and approves the payment (S707) and remits the donation from the payment account151to the account41of charity organization2in the bank44(S708).

The charity organization2execute money transfer such as bank transfer from the account41to the account42of the beneficiary3in the bank4(S709). The management server20may not execute the process of this money transfer between the accounts41and42.

The management server20acquires the transaction information from the bank server14(S710) and verifies that the transfer of the tokens matches the transfer of the money between the accounts41and42(S711). Upon successful verification, the management server20may generate the provided information and register it into the provided information storage unit231(S712).

The management server20issues a certificate indicating that the donation has been distributed to the beneficiary3(S713), and the donor1may obtain the certificate using the donor terminal11(S714).

As described above, according to the donation management system10of this embodiment, the flow of the donation from the donor1to the beneficiary3can be figured out. Further, according to the donation management system10of this embodiment, the use of the donation by the charity organization2can be managed. Further, according to the donation management system10of this embodiment, in addition to that the flow of the donation can be managed by the token of the blockchain5that is difficult to tamper with, the flow of the donation can be verified with the transaction information of the bank4, thereby it is possible to improve the reliability of the flow of the donation.

Although the embodiment has been described above, the above-described embodiment is intended to facilitate the understanding of the present invention and is not intended to be a limiting interpretation of the present invention. The present invention may be modified and improved without departing from the spirit thereof, and the present invention also includes its equivalent.

For example, although the donation management system10according to the present embodiment manages the flow of the donation from the donor1, it is possible to operate the system as a monetary management system that manages the flow of money from the transferor to the transferee. The transfer includes entrustment, contracting, and deposit. In this case, the transferor may figure out the use of money by the transferee. For example, it is possible to trace the uses of the invested money invested by investors in the investee. For example, an asset manager who has entrusted an asset to an asset management company can track where the asset management company has invested its assets. In addition, for example, taxpayers who pay taxes to national or local government can understand how national or local government use taxes.

In this embodiment, although it is assumed that the management server20receives payment from the donor1using the payment service provided by the payment server15, for example, the management server20may receive the input such as the journal information in the accounting software or the customer management information provided by the CRM (Customer Relationship Management) system of the charity organization2, or obtain them by using the API provided by those, from the journal information or customer management information obtained, it is possible to detect that the charity organization2has received the donation from the donor1and to issue a token accordingly. In this case, it is not required to process the remittance from the payment account to the account of the bank4. Thus, while the charity organization2raises donations from donors1by itself, the donation management system10according to this embodiment can be used after collection of donations to manage the flow of donations using tokens in blockchain5to make it difficult to tamper with.

In this embodiment, although the token is to be issued and transferred in accordance with the payment service and instructions from the charity organization2, the token may be issued and transferred based on the transaction information relating to the account41of the bank4. In this case, the management server20may acquire the transaction information from the charity terminal12to issue and transfer tokens, and may compare the transaction information obtained by the management server20itself from the bank server14with the movement of the token to perform verification. The management server20may also issue and transfer tokens based on transaction information obtained from the bank server14and may, for example, verify journal entry data obtained from the accounting software used by the charity organization2or the customer management data obtained from the CRM software used by the charity organization2in comparison with the token movement. That is, the validity of the issuance and transfer of tokens may be verified using data different from the data on which the tokens are issued and transferred.

EXPLANATION OF SYMBOLS