JP2004021851A - Investment method, investment system, central device and computer program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an investment method, investment system, central device and computer program, increasing opportunities for a business body to finance and supplying new investment commodities to investors. <P>SOLUTION: A loan is raised to a first investor as investment for a privately placed bond of the business body via a communication network NW such as the Internet, and a contract on the investment is concluded by raising a guarantee for warranting repayment for the invested money as investment from a second investor. When the business body repays adding interest for the invested money invested, it pays an amount of money subtracting a reword for the guarantee from a total of the invested amount and the interest, and a reword is paid to the second investor. When the invested money is not refunded by the expiration date, the guarantee is collected from the second investor and paid to the first investor. <P>COPYRIGHT: (C)2004,JPO

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a central device for presenting an investment object whose investment money including interest is to be repaid on a maturity date, an investment method using a plurality of terminal devices communicating with the central device, an investment system applying the method, The present invention relates to a central device used in the system and a computer program for realizing the device, and more particularly, to an investment method, an investment system, and a central device in which a business entity establishes a contract for procuring business funds as investment from general investors. And computer programs.
[0002]
[Prior art]
As a method for procuring business funds such as working capital and capital funds, a business entity such as a micro enterprise or an individual generally receives a loan from a financial institution such as a bank.
[0003]
[Problems to be solved by the invention]
However, it is not easy for small business entities to obtain loans from financial institutions, especially in recent social situations, as expressed by the term so-called "credit crunch". .
[0004]
The present invention has been made in view of such circumstances, and seeks a loan from a first investor as an investment in a private placement bond through a communication network such as the Internet, and provides a deposit for guaranteeing a return on the investment. If the entity concludes an investment contract by soliciting as an investment from the second investor and the entity returns the invested investment with interest, the first investor gives the investment amount and interest. Pays the amount obtained by subtracting the remuneration for the security deposit from the total of the above, and performs a process of paying the remuneration to the second investor. If the investment is not returned by the maturity date, a deposit is collected from the second investor, An investment method capable of providing a new method of raising funds to an entity by paying a first investor and providing a new investment product to an investor, The investment system applied, And an object thereof is to provide a computer program for realizing the central apparatus and a device used in the system.
[0005]
[Means for Solving the Problems]
An investment method according to a first aspect of the present invention provides an investment using a central device that presents an investment object and an investment object whose interest on the investment money is to be repaid on the maturity date, and a plurality of terminal devices that communicate with the central device. In the method, the first terminal device transmits first investment information to the central device, the first investment information indicating an investment amount for the presented investment object and a guarantee amount requesting a return guarantee on the investment, and the first terminal device is different from the first terminal device. The second terminal device transmits, to the central device, second investment information indicating a guarantee amount and a reward required when the guarantee becomes unnecessary, and the central device transmits the received first investment information and the second investment information. It is characterized in that a process for establishing a contract for an investment object is performed based on the information.
[0006]
In the investment method according to the first invention, a loan is provided from a first investor operating a first terminal device as an investment in a private placement bond or the like of an entity such as a micro enterprise via a communication network such as the Internet. By raising a security deposit that guarantees the return of the investment and a return on the investment as an investment from the second investor operating the second terminal device, an investment contract is concluded, and the business is funded. It is possible to provide new ways to procure and to offer investors new investment products.
[0007]
The investment method according to the second invention is the investment method according to the first invention, wherein, when the investment money and the interest are returned, the central device gives an investment source relating to the first terminal device a sum of the investment money and the interest. Performing the process of paying the reduced amount of the reward, performing the process of paying the reward to the guarantor related to the second terminal device, and if the investment is not returned by the expiration date, the guaranteed amount is provided to the guarantor. A billing process is performed, and a process of paying a guarantee amount to the investment source is performed.
[0008]
In the investment method according to the second invention, when the entity returns the invested investment with interest, the first investor is provided with the amount obtained by subtracting the remuneration for the security deposit from the total investment and interest. Payment and payment to the second investor, and if the investment is not returned by the maturity date, a security deposit is collected from the second investor and paid to the first investor, It is possible to provide the body with new ways of raising funds and to offer investors new investment products.
[0009]
An investment system according to a third aspect of the present invention includes an investment system including a central device that presents an investment object and an investment object whose interest on the investment amount is to be repaid on a maturity date, and a plurality of terminal devices that communicate with the central device. , The first terminal device receives input of first investment information indicating an investment amount for the presented investment object and a guarantee amount for requesting a refund guarantee for the investment, and the received first investment information is transmitted to the central device. A second terminal device different from the first terminal device, wherein the second terminal device receives input of second investment information indicating a guarantee amount and a reward required when the guarantee becomes unnecessary. Means for transmitting the received second investment information to the central device, wherein the central device establishes a contract regarding an investment target based on the received first investment information and second investment information. Characterized in that it comprises means for performing management.
[0010]
In the investment system according to the third invention, as an investment in an investment target such as a private placement bond of a business entity such as a micro enterprise, a loan is solicited from the first investor operating the first terminal device, and the investment money is A new method for raising funds is provided to the entity by establishing a contract for investment by soliciting a deposit for guaranteeing the return as an investment from the second investor operating the second terminal device. And offer new investment products to investors.
[0011]
A central device according to a fourth aspect of the present invention is a central device comprising means for communicating with a plurality of terminal devices, wherein the central device presents an investment and an investment object whose interest on the investment is scheduled to be repaid on the maturity date. Means for receiving, from the device, first investment information indicating the investment amount for the presented investment object and the guarantee amount for requesting a refund guarantee for the investment; and a guarantee amount from a second terminal device different from the first terminal device. And means for receiving second investment information indicating a remuneration required when the guarantee becomes unnecessary, and means for executing processing for establishing a contract regarding an investment object based on the received first investment information and second investment information. And characterized in that:
[0012]
In the central device according to the fourth invention, a computer such as a web server computer connected to a communication network such as the Internet is used to operate the first terminal device as an investment in a private placement bond or the like of an entity such as a micro enterprise. A loan for investment is raised from the first investor, and a deposit for guaranteeing the return of the investment is raised as an investment from the second investor operating the second terminal device, thereby establishing an investment contract. By providing services, it is possible to provide entities with new ways to raise funds and offer investors new investment products.
[0013]
A computer program according to a fifth aspect of the present invention is a computer program for causing a computer including means for communicating with a plurality of terminal devices to present an investment and an investment target whose interest on the investment is expected to be repaid on the maturity date. Receiving, from the first terminal device, first investment information indicating the investment amount for the presented investment object and the guarantee amount requesting a refund guarantee for the investment, and from the second terminal device different from the first terminal device; Receiving the second investment information indicating the guarantee amount and the remuneration required when the guarantee is no longer required, and establishing a contract for the investment object based on the received first investment information and second investment information. Is performed.
[0014]
The computer program according to the fifth aspect of the present invention is executed by a computer such as a web server computer connected to a communication network such as the Internet, whereby the computer operates as a central device, and the investment object such as a private placement bond of a business entity such as a micro enterprise. As an investment in the first terminal device, a loan is solicited from the first investor operating the first terminal device, and a deposit for guaranteeing the return of the investment is provided by a second investor operating the second terminal device. Offering new services for raising funds for entities and offering new investment products to investors by offering services to complete investment contracts by soliciting as investments. It is possible.
[0015]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, the present invention will be described in detail with reference to the drawings showing the embodiments.
FIG. 1 is an explanatory view conceptually showing the configuration of the investment system of the present invention.
In FIG. 1, reference numeral 10 denotes a central device using a web server computer used in the investment system of the present invention. The central device 10 is managed by a service body that provides a service using the investment method of the present invention, The service is provided via a communication network NW such as the Internet.
[0016]
The service entity has concluded a contract to use the investment system with entities such as micro enterprises and individuals, and the entity uses the services provided by the service entity to provide working capital as an investment in investment targets such as private placement bonds. And it is possible to procure business funds such as capital funds.
The service provided by the service entity is also used by the first investor who makes an investment in the investment target and the second investor who makes an investment in a deposit that guarantees the return of the investment of the first investor by a method described later. ing.
[0017]
The first investor, the second investor, and the business entity respectively manage the first terminal device 20a, the second terminal device 20b, and the third terminal device 20c using a computer such as a personal computer. Is connected to the communication network NW in order to use the service provided by the server, and accesses the central device 10.
The first investor, the second investor, and the business entity are each plural, and accordingly, the first terminal device 20a, the second terminal device 20b, and the third terminal device 20c managed by each are also plural.
[0018]
Next, the mechanism of the investment method of the present invention will be described.
FIG. 2 is an explanatory diagram conceptually showing a situation at the time of contract conclusion in the investment method of the present invention. FIG. 2 (a) shows an investment application situation, and FIG. 2 (b) shows a flow of money at the time of contract conclusion. Is shown.
In FIG. 2, a business entity issues a private placement bond as an investment object in order to raise an investment of 10 million yen under a condition that an interest rate (interest) is 10% / year and a maturity date is one year later. To ask.
[0019]
Investors A, Investor B and Investor C, who are the first investors, have offered to invest, and investor A invests 2 million yen and investor B invests 300 million yen. Ten thousand yen, and the investment amount of the investor C is five million yen.
[0020]
In addition, each of the first investors requires a guarantee of the return of a predetermined amount in the case where the entity in which the investment is made cannot pay the invested investment and interest by the maturity date, The guaranteed amount (insurance rate) guaranteed to be refunded is 0 yen, which is 0% of 2 million yen for investor A, 600,000 yen, which is 20% of 3 million yen for investor B, and 500 yen for investor C. It is 2 million yen, which is 40% of 10,000 yen.
[0021]
In addition, the second investor D and the investor C offer an investment for the total guarantee amount of 2.6 million yen, and the limit of the guarantee amount of the investor C is 3 million yen. The guarantee limit of D is 5 million yen.
[0022]
Each second investor requests a predetermined amount of remuneration when the guarantee is no longer necessary, and the required remuneration (guarantee fee) is 5% of the guaranteed amount by investor C. House D is 7%.
[0023]
In the service entity, the total investment amount offered for the investment target satisfies the request from the business entity, and the total guarantee amount requested for the investment amount is 2.6 million yen or more. Since the second investor has offered the amount, the contract between the company and the service entity, the first investor and the service entity, and the contract between the second investor and the service entity are established by the processing of the central device 10.
[0024]
Note that the contract at this time is made between the investor A, the investor B, the investor C, and the service entity because the investment amount from the first investor is equal to the amount requested by the business entity. Is established between the investor D and the service entity with good conditions, specifically, a low guarantee rate.
[0025]
Further, as shown in FIG. 2B, the service entity collects investment amounts of 2 million yen, 3 million yen and 5 million yen from investors A, B and C as investment money, respectively. The collected investment will be paid to the business entity. At that time, a fee of 100,000 yen, which is 1%, will be collected, so the amount paid to the business entity will be 9.9 million yen
Note that a guarantee amount may be collected in advance from the investor D as a deposit.
[0026]
FIG. 3 is an explanatory view conceptually showing the situation after the expiration date in the investment method of the present invention. FIG. 3 (a) shows the case where the investment money and interest are returned, and FIG. 3 (b) This shows the case where the investment was not returned.
As shown in FIG. 3 (a), if the business entity returns 11 million yen, which is the sum of the investment of 10 million yen and 10% interest of 1 million yen, to the service entity by the maturity date, each first investment The house is paid the sum of the investment and interest minus the compensation, and the second investor is paid.
[0027]
That is, the investor A who has a guaranteed amount of 0 is paid 2.2 million yen as a total of the invested amount of 2 million yen and 200,000 yen corresponding to 10% interest, and the investor B has the invested amount of 3 million yen. From the total of 3.3 million yen, which is the sum of the yen and interest of 300,000 yen, a payment of 3,270,000 yen is obtained by subtracting 30,000 yen obtained by multiplying the guaranteed amount of 600,000 by the guarantee fee rate of 5%. From 5.5 million yen, which is a total of 5 million yen and interest of 500,000 yen, 5.4 million yen will be paid, which is 100,000 yen obtained by multiplying the guaranteed amount of 2 million yen by 5% of the guarantee fee rate.
Investor D is paid a guarantee amount of 2.6 million yen collected when the contract is concluded and 130,000 yen corresponding to 5% of 2.6 million yen.
[0028]
As shown in FIG. 3 (b), if the investment has not been paid by the business entity to the service entity by the expiration date, a guarantee amount is requested from the second investor, and each first investor is given a second guarantee amount. The guarantee amount collected from the investor is paid.
When the guarantee amount has been collected from the investor D in advance, it is considered that the process of claiming the guarantee amount has already been performed.
[0029]
That is, the investor D is requested to pay 2.6 million yen, which is a guarantee amount, the investor B is paid 600,000 yen, which is 20% of 3 million yen, and the investor C is 40% of 5 million yen. 2 million yen is paid.
However, it goes without saying that the guarantee amount is not paid to the investor A whose guarantee amount is 0.
[0030]
Next, the configuration of each device used in the investment system of the present invention will be described.
FIG. 4 is a block diagram showing the configuration of the investment system of the present invention.
The central device 10 includes a CPU 11 that controls the entire device, a computer program PG for the central device of the present invention, and a CD-ROM drive that reads various information from a recording medium REC such as a CD-ROM that records various information such as data. Auxiliary storage means 12, a hard disk for recording computer program PG and various information such as data read by auxiliary storage means 12, recording means 13 such as RAID, RAM 14 for temporarily recording information such as data used for calculation, and communication A web server is provided with communication means 15 such as a modem and a terminal adapter connected to the network NW. The computer program PG and various information such as data of the present invention are read from the recording means 13 and recorded in the RAM 14 and executed by the CPU 11. The computer is a central device of the invention. To operate as 10.
The recording means 13 records an investment web page which is described in a markup language such as HTML and performs a predetermined process using an interface such as CGI.
[0031]
A part of the recording area of the recording means 13 includes an investment target database (investment target DB) 10a for recording information on the investment target requested to be presented by the business entity, and an investment database (investment target) for recording investment conditions for the investment target. DB) 10b, an assurance database (guarantee DB) 10c that records the conditions of guarantees for investment, and an authentication database (authentication DB) 10d that records authentication information such as IDs and passwords relating to business entities and investors. ing.
A part of the recording area of the recording unit 13 is not used as various databases such as the investment object database 10a, the investment database 10b, the guarantee database 10c, and the authentication database 10d, but other devices connected to the central device 10 are used as various databases. You may.
[0032]
5 and 6 are explanatory diagrams conceptually showing the recorded contents of the investment object database 10a provided in the central device 10 of the present invention.
The investment target database 10a records information on the business entity requesting the investment and information on the conditions of the investment target.
FIG. 5 shows information about the business entity recorded in the investment object database 10a. The information such as the business name, the telephone number of the business entity, and the mail address is associated with the business entity ID for specifying the business entity. Contains data on various items such as address, location, date of establishment, representative's name, date of birth, contact information such as representative's phone number and e-mail address, occupation, number of employees, correspondent financial institution, financial status, etc. Record is recorded.
[0033]
FIG. 6 shows information about the conditions of the investment target recorded in the investment target database 10a. The business entity ID for specifying the business entity requesting the investment, in association with the investment target ID for specifying the investment target, Records including data on various items such as investment money, maturity date (investment period), interest (interest rate), presentation period indicating presentation start date and presentation end date, desired investment date, fund request purpose and reason, etc. are recorded. .
Similar data is recorded when the applicant for investment is not an enterprise but an individual.
[0034]
FIG. 7 is an explanatory diagram conceptually showing the recorded contents of the investment database 10b provided in the central device 10 of the present invention.
In the investment database 10b, data on various items such as an investment target ID, an investment amount, and a guarantee amount for requesting a refund guarantee for the investment are stored in the investment database 10b as conditions of the investment for the investment object in association with an investor ID for identifying the investor. Records are recorded.
The data indicating the investment amount is shown in units of 100,000 yen.
The data indicating the guarantee amount is also indicated in units of 100,000 yen, but may be indicated as an insurance rate indicating the ratio to the investment amount.
[0035]
FIG. 8 is an explanatory diagram conceptually showing the recorded contents of the guarantee database 10c provided in the central device 10 of the present invention.
The guarantee database 10c stores, as conditions for guaranteeing the investment, various items such as an investment object ID, a guarantee amount, and a reward required when the guarantee becomes unnecessary, in association with an investor ID for specifying the investor. Is recorded.
Note that the data indicating the guarantee amount is indicated in units of 100,000 yen.
The data indicating the reward is also indicated in units of 100,000 yen, but may be indicated as a guarantee fee rate indicating a ratio to the guarantee amount.
[0036]
FIG. 9 is an explanatory diagram conceptually showing the recorded contents of the authentication database 10d provided in the central device 10 of the present invention.
In the authentication database 10d, records having data in various items such as a password, a name or a name, a location or address, a contact address, and financial institution information indicating an account of a financial institution are associated with the entity ID or the investor ID. Has been recorded.
[0037]
The first terminal device 20a includes a CPU 21a, a recording unit 22a, a RAM 23a, a communication unit 24a, an input unit 25a such as a mouse and a keyboard, and an output unit 26a such as a monitor and a printer. The recording unit 22 browses a web page. Various computer programs such as a browsing software program (hereinafter referred to as a browser) are recorded.
[0038]
The second terminal device 20b has the same configuration as the first terminal device 20a, and includes a CPU 21b, a recording unit 22b, a RAM 23b, a communication unit 24b, an input unit 25b, and an output unit 26b.
[0039]
The third terminal device 20c has the same configuration as the first terminal device 20a, and includes a CPU 21c, a recording unit 22c, a RAM 23c, a communication unit 24c, an input unit 25c, and an output unit 26c.
[0040]
Next, processing of each device at the time of investment application in the investment system of the present invention will be described.
FIG. 10 is a flowchart showing investment application processing of the central device 10 and the third terminal device 20c used in the investment system of the present invention.
The person in charge of the business entity applying for investment operates the third terminal device 20c to connect to the communication network NW, activates a browser, accesses the investment web page provided by the central device 10, and executes the third terminal device. The authentication information such as the business entity ID and the password assigned in advance to the predetermined fields of the web page displayed in 20c is input.
The third terminal device 20c receives the input of the authentication information from the input unit 25c (S101), and transmits the received authentication information to the central device 10 by the communication unit 24c (S102).
[0041]
In the central device 10, the authentication information is received by the communication means 15 (S103), and an authentication process for determining the consistency between the received authentication information and the recorded contents of the authentication database 10d is performed (S104).
Then, the central device 10 transmits an investment target condition input request, which is a web page for requesting input of investment target conditions to be presented, to the third terminal device 20c by the communication means 15 (S105).
In the authentication process in step S104, when the received authentication information and the recorded content of the authentication database 10d do not match, a predetermined abnormal process of transmitting information indicating that the authentication has failed to the third terminal device 20c is performed. .
[0042]
In the third terminal device 20c, the investment target condition input request is received by the communication unit 24c (S106), and the received investment target condition input request is output as a web page from the output unit 26c, which is a monitor (S107).
[0043]
FIG. 11 is an explanatory diagram showing an image output from the third terminal device 20c used in the investment system of the present invention.
FIG. 11A is a web page for inputting the entity information relating to the entity for which investment is requested. The contact information such as the entity name, the telephone number and the mail address of the entity, the address, the establishment date, and the representative A column is provided for inputting contact information such as the name, date of birth, telephone number and e-mail address of the representative, occupation type, number of employees, financial institutions, and financial status.
In addition, since these various business entity information can be extracted from the authentication database 10d provided in the central device 10 based on the business entity ID used at the time of authentication, the input can be omitted.
[0044]
FIG. 11 (b) is a web page for inputting investment target information regarding an investment target for which investment is requested this time. The investment amount, maturity date (investment period), interest (interest rate), presentation period, desired investment date (reception period) ) And columns for inputting various investment target information such as the purpose and reason for funding.
The person in charge of operating the third terminal device 20c inputs various types of business entity information and investment target information as request information for requesting presentation of investment targets in a predetermined column, and performs an operation of transmitting the information to the central device 10.
[0045]
In the third terminal device 20c, the input of the request information is received by the input unit 25c (S108), and the received request information is transmitted from the communication unit 24c to the central device 10 (S109).
[0046]
In the central device 10, the request information is received by the communication means 15 (S110), and various business entity information and investment target information indicated by the received request information are recorded in the investment target database 10a (S111). The information and the investment target information are presented as web pages in response to access from the first terminal device 20a and the second terminal device 20b as described below.
[0047]
Next, processing of each device at the time of investment in the investment system of the present invention will be described. FIG. 12 is a flowchart showing investment processing of the central device 10 and the first terminal device 20a used in the investment system of the present invention.
The investor who wishes to make an investment operates the first terminal device 20a to connect to the communication network NW, starts a browser, accesses an investment web page provided by the central device 10, and gives the first terminal device 20a Authentication information, such as an investor ID and a password, which are assigned in advance to predetermined fields of the displayed web page is input.
The first terminal device 20a receives the input of the authentication information from the input unit 25a (S201), and transmits the received authentication information to the central device 10 by the communication unit 24a (S202).
[0048]
In the central device 10, the authentication information is received by the communication means 15 (S203), and an authentication process for determining the consistency between the received authentication information and the recorded contents of the authentication database 10d is performed (S204).
Then, based on the operation of the investor operating the first terminal device 20a, the central device 10 extracts information on the investment target to be presented from the investment target database 10a (S205), and, based on the extracted information on the investment target, An investment target list which is a web page for outputting a list of investment targets is generated (S206), and the generated investment target list is transmitted to the first terminal device 20a by the communication unit 15 (S207).
In the authentication process in step S204, when the received authentication information does not match the recorded content of the authentication database 10d, a predetermined abnormal process of transmitting information indicating that the authentication has failed to the first terminal device 20a is performed. .
[0049]
The first terminal device 20a receives the investment target list by the communication unit 24a (S208), and outputs the received investment target list as a web page from the output unit 26a, which is a monitor (S209).
[0050]
FIG. 13 is an explanatory diagram showing an image output from the first terminal device 20a used in the investment system of the present invention.
FIG. 13 is a web page showing a list of investment targets presented from the central device 10, and includes the name of the business entity related to the investment target, the investment amount, the maturity date (investment period), the interest (rate), and the desired investment date (reception period). ) Are shown as a list.
Note that, for a list of investment targets, data processing such as a refined search can be performed by inputting appropriate conditions.
In the lower part, icons indicating the words of detailed information, investment status list, guarantee status list, investment application and guarantee application, etc. are displayed. After selecting an arbitrary investment target from the investment target list, it is displayed. By inputting an instruction using the input unit 25a such as a mouse to an icon that is present, a web page indicating information or a function associated with each icon can be received from the central device 10 and output. .
[0051]
FIG. 14 is an explanatory diagram showing an image output from the first terminal device 20a used in the investment system of the present invention.
FIG. 14 is a web page output by selecting an arbitrary investment target from a list of investment targets and performing an input indicating a detailed information and an icon indicated, and extracted from the investment target database 10a. Business name, investment money, maturity date (investment period), interest (interest rate), presentation period indicating presentation start date and presentation end date, desired investment date, contact information such as telephone number and e-mail address of the business entity, location and Various information about the selected investment object, such as the purpose and reason for funding, is displayed.
[0052]
FIG. 15 is an explanatory diagram showing an image output from the first terminal device 20a used in the investment system of the present invention.
FIG. 15 is a web page output by selecting an investment target from the investment target list and inputting an icon indicating the investment status list and extracted from the investment database 10b. Various information on the investment already applied for the selected investment object, such as the investment amount and the guarantee amount (insurance rate), are displayed.
[0053]
FIG. 16 is an explanatory diagram showing an image output from the first terminal device 20a used in the investment system of the present invention.
FIG. 16 is a web page output by selecting an arbitrary investment target from the list of investment targets and performing an input to designate an icon indicated as the guarantee status list, and is extracted from the guarantee database 10c. Various information on the guarantees already applied for the selected investment object, such as the guarantee amount and the compensation (guarantee fee rate) are displayed.
[0054]
FIG. 17 is an explanatory diagram showing an image output from the first terminal device 20a used in the investment system of the present invention.
FIG. 17 is a web page output by selecting an investment target from a list of investment targets and performing an input indicating an icon indicated as an investment application, and extracted from the investment target database 10a. A business name and an investment amount, and a column for inputting an investment amount and a guarantee amount are displayed, and the input investment amount and the guarantee amount are further displayed.
The amount of investment and the amount of guarantee are shown in units of 100,000 yen.
[0055]
FIG. 18 is an explanatory diagram showing an image output from the first terminal device 20a used in the investment system of the present invention.
FIG. 18 is a web page output by selecting an investment target from a list of investment targets and performing an input indicating an icon indicated as a guarantee application, which is extracted from the investment target database 10a. An entity name and investment amount, and a column for inputting a guarantee amount and a reward are displayed, and further the entered guarantee amount and a reward are displayed.
The guarantee amount and the reward are shown in units of 100,000 yen.
[0056]
The investor who wishes to invest, for example, checks the web pages shown in FIGS. 14 and 15 and outputs the web page shown in FIG. 17, and outputs the investment amount for the presented investment target and the guarantee amount for requesting a return guarantee on the investment. Enter
The first terminal device 20a receives the input of the first investment information indicating the investment amount and the guarantee amount from the input unit 25a (S210), and transmits the received first investment information to the central device 10 by the communication unit 24a (S211). ).
[0057]
In the central device 10, the first investment information is received by the communication means 15 (S212), and the investment amount and the guarantee amount indicated in the received first investment information are associated with the investor ID used at the time of authentication and the investment database 10b. (S213).
[0058]
When the investor inputs the amount of investment and the amount of guarantee, if there is an investor who has already applied for the guarantee, it is also possible to specify the destination of the guarantee request.
FIG. 19 is an explanatory diagram showing an image output from the first terminal device 20a used in the investment system of the present invention.
FIG. 19 shows the correspondence between the name specified by the investor ID extracted from the guarantee database 10c, the reward (guarantee fee rate) and the guarantee amount, and the remaining guarantee amount obtained by subtracting the amount of the contract already established from the guarantee amount. The attached information on the already applied guarantees is shown as a list, and by specifying the desired guarantee and inputting the amount of the guarantee, a process of designating the request destination of the guarantee is performed.
[0059]
Next, processing of each device at the time of applying for a guarantee in the investment system of the present invention will be described.
FIG. 20 is a flowchart showing a guarantee process of the central device 10 and the second terminal device 20b used in the investment system of the present invention.
An investor who wishes to guarantee the investment connects to the communication network NW using the second terminal device 20b, starts a browser, accesses an investment web page provided by the central device 10, and accesses the second terminal device 20b. The user inputs authentication information such as an investor ID and a password, which are assigned in advance, in predetermined fields of the web page displayed in (1).
The process from the authentication to the display of the list of investment targets is the same as the investment process. Therefore, the description of the investment process is referred to, and the description is omitted.
[0060]
Then, the investor who wants the guarantee performs a predetermined operation from the list of investment targets, confirms the output web page shown in FIG. 14 and FIG. 15, and outputs the web page shown in FIG. And a reward.
The second terminal device 20b receives the input of the second investment information indicating the guarantee amount and the reward from the input unit 25b (S301), and transmits the received second investment information to the central device 10 by the communication unit 24b (S302). .
[0061]
In the central device 10, the second investment information is received by the communication means 15 (S303), and the reward amount and the reward indicated in the received second investment information are associated with the investor ID used at the time of authentication and stored in the guarantee database 10c. Recording is performed (S304).
[0062]
In the case of guaranteeing an investment, it is also possible to designate an investment for which a guarantee is provided when there is an investor who has already applied for the investment when inputting the reward amount and the reward.
[0063]
Next, processing at the time of contract establishment in the investment system of the present invention will be described.
FIG. 21 is a flowchart showing a contract process of the central device 10 used in the investment system of the present invention.
The central device 10 determines at predetermined intervals whether or not the investment and guarantee acceptance periods have elapsed and there is an investment object for which a contract has not been established (S401), and determines that there is an investment object for which the acceptance period has elapsed (S401). S402: YES), first investment information and second investment information corresponding to the investment object are extracted from the investment database 10b and the guarantee database 10c, respectively (S403), and based on the extracted first investment information and second investment information. Then, a process for establishing a contract for the investment target is performed (S404).
If it is determined in step S401 that there is no investment target for which the acceptance period has elapsed (S402: NO), the process returns to step S401 and repeats the process after waiting for a predetermined time.
[0064]
In step S404, the first investment information and the second investment information recorded in the investment database 10b and the guarantee database 10c are rearranged under preset conditions such as a guarantee amount and a reward, and then, for example, A process for establishing a contract by giving priority to the second investment information having a small reward is performed.
However, if there is a guarantee or investment, the specified guarantee or investment has priority.
It should be noted that, instead of performing the process of forming a contract after the reception period has elapsed, the process of forming a contract when receiving the first investment information and the second investment information indicating an amount sufficient to complete the contract is performed. It may be performed.
[0065]
Then, the central device 10 requests (collects) an investment from an investor who operates the first terminal device 10a which is the transmission source of the first investment information corresponding to the contract to be concluded. Specifically, a process of deducting the amount indicated by the investment money established from the financial account of the investor that is the investment source is performed (S405), and after collecting a predetermined fee, a process of paying the investment money to the business entity. , A process of transferring the investment money to the financial account of the business entity is performed (S406).
[0066]
Next, processing at the time of investment expiration in the investment system of the present invention will be described.
FIG. 22 is a flowchart showing the settlement process of the central device 10 used in the investment system of the present invention.
The central device 10 determines at a predetermined interval whether or not there is an investment target that has reached the investment maturity date (S501). If it is determined that there is an investment target that has reached the investment maturity date (S502: YES), the investment from the business entity is made. It is determined whether the money and the interest have been returned (S503).
[0067]
In step S503, when it is determined that the investment money and the interest have been returned (S504: YES), a reward is given to the investment source that has invested by operating the first terminal device 20a from the sum of the investment money and the interest. The process of paying the reduced amount, specifically, the process of transferring the amount obtained by subtracting the remuneration from the sum of the investment amount and the interest to the financial account of the investor, is performed (S505). A process of paying a reward to the guarantor that has performed the guarantee by operation is performed, specifically, a process of transferring the amount of the reward to the financial account of the investor serving as the guarantor (S506).
[0068]
In step S503, when it is determined that the investment money and the interest have not been returned (S504: NO), a process of claiming a guarantee amount from the guarantee source that has performed the guarantee by operating the second terminal device 20b, specifically, A process of deducting the guarantee amount from the financial account of the investor serving as the guarantee source (S507), and a process of operating the first terminal device 20a to pay the guarantee amount to the investor who made the investment, specifically, A process of paying a reward amount to a financial account of another investor is performed (S508).
[0069]
If it is determined in step S501 that there is no investment target that has not reached the investment maturity date (S502: NO), the process returns to step S501, and repeats the process after waiting for a predetermined time.
[0070]
In this manner, the present invention can provide a new method for raising funds to an enterprise and can provide new investment products to investors.
[0071]
In the above-mentioned embodiment, the mode in which the first investor and the second investor who conclude the contract for the investment object is selected by the processing of the central device has been described, but the present invention is not limited to this, and for example, the first investment Information and the second investment information are transmitted to the third terminal device, the first terminal device and the second investor whose contract is to be concluded by the third terminal device are selected, and then the selected investor is selected to conclude the contract. May be transmitted to the central device.
[0072]
(Supplementary Note 1) In an investment method using a central device that presents an investment object and an investment object whose interest on the investment money is to be repaid on the maturity date, and a plurality of terminal devices that communicate with the central device, The terminal device transmits first investment information indicating the presented investment amount for the investment object and the guaranteed amount for requesting a return guarantee on the investment to the central device, and a second terminal device different from the first terminal device Transmits, to the central device, second investment information indicating a guarantee amount and a reward required when the guarantee becomes unnecessary, based on the received first investment information and second investment information, An investment method characterized by performing processing for establishing a contract for an investment object.
(Supplementary Note 2) Further, when the investment money and the interest are returned, the central device performs a process of paying an investment source relating to the first terminal device an amount obtained by subtracting a reward from the sum of the investment money and the interest. Performing a process of paying a guarantee to the guarantor relating to the second terminal device, and performing a process of claiming a guarantee amount to the guarantor when the investment is not returned by the expiration date; The investment method according to claim 1, wherein a process of paying a guarantee amount is performed.
(Supplementary note 3) The investment method according to Supplementary note 1 or 2, wherein the investment target is a private placement bond that is a business fund of the business entity.
(Supplementary Note 4) There are a plurality of the first terminal devices, and the amount of investment is a sum of investment amounts indicated in respective first investment information transmitted from the plurality of first terminal devices. The investment method according to any one of supplementary notes 1 to 3, characterized in that:
(Supplementary Note 5) In an investment system including a central device that presents an investment object and an investment object whose interest on the investment money is to be repaid on a maturity date, and a plurality of terminal devices that communicate with the central device, A terminal device for receiving input of the first investment information indicating the investment amount for the presented investment object and the guarantee amount for requesting a return guarantee on the investment, and a unit for transmitting the received first investment information to the central device; A second terminal device different from the first terminal device, a means for receiving input of second investment information indicating a guarantee amount and a reward required when the guarantee becomes unnecessary, and a received second investment Means for transmitting information to the central device, the central device comprising means for performing processing for establishing a contract for an investment object based on the received first investment information and second investment information. Investment system, characterized in that.
(Supplementary Note 6) Further, when the investment money and the interest are returned, the central device performs a process of paying an investment source relating to the first terminal device an amount obtained by subtracting a reward from the total of the investment money and the interest. Means, means for paying a guarantee to the guarantor relating to the second terminal device, means for claiming a guarantee amount to the guarantor when the investment is not returned by the expiration date. 6. The investment system according to claim 5, further comprising: means for performing a process of paying a guarantee amount to the investment source.
(Supplementary Note 7) A third terminal device that communicates with the central device and is different from the first terminal device and the second terminal device, and the third terminal device requests the central device to present an investment target. The investment system according to Supplementary Note 5 or 6, further comprising: means for receiving input of request information to be performed, and means for transmitting the received request information to the central device.
(Supplementary Note 8) A central device that includes means for communicating with a plurality of terminal devices and presents an investment object and an investment object whose interest on the investment money is scheduled to be repaid on the maturity date. Means for receiving first investment information indicating an investment amount for the investment object and a guarantee amount requesting a refund guarantee for the investment; and a second terminal device different from the first terminal device, which eliminates the need for the guarantee amount and the guarantee. A means for receiving second investment information indicating a reward to be requested in a case where the first investment information and the second investment information are received. Central device characterized.
(Supplementary Note 9) Means for performing a process of paying an investment source relating to the first terminal a value obtained by subtracting remuneration from the sum of the investment money and the interest when the investment money and the interest are returned, and the second terminal Means for performing a process of paying a reward to a guarantor relating to the device; means for performing a process of claiming a guarantee amount to the guarantor if the investment is not returned by the expiration date; 9. The central apparatus according to claim 8, further comprising: means for performing a process of paying an amount.
(Supplementary Note 10) In a computer program for causing a computer including means for communicating with a plurality of terminal devices to present investment money and an investment object whose interest on the investment money is to be repaid on the maturity date, the computer may include a first terminal Receiving, from the device, first investment information indicating an investment amount for the presented investment object and a guarantee amount requesting a refund guarantee for the investment, and from the second terminal device different from the first terminal device, the guarantee amount and A procedure for, when receiving second investment information indicating a reward to be requested when the guarantee becomes unnecessary, performing processing for establishing a contract regarding an investment object based on the received first investment information and second investment information. A computer program characterized by executing the following.
(Supplementary Note 11) Reading by a computer that records a computer program that causes a computer including a means for communicating with a plurality of terminal devices to present investment money and an investment object whose interest on the investment money is to be repaid on the maturity date. Receiving the first investment information indicating the investment amount for the presented investment object and the guarantee amount for requesting a return guarantee on the investment from the first terminal device to the computer, and When receiving, from a second terminal device different from the terminal device, the second investment information indicating the guarantee amount and the reward required when the guarantee is no longer necessary, the second investment information based on the received first investment information and the second investment information is received. A computer program for executing a procedure for executing a process for establishing a contract regarding an investment object. Recording medium capable of reading at.
[0073]
【The invention's effect】
As described in detail above, the investment method, the investment system, the central device, and the computer program according to the present invention solicit a loan from a first investor as an investment in a private placement bond through a communication network such as the Internet, and If a deposit for guaranteeing the return is raised as an investment from the second investor, an investment contract is concluded, and if the entity returns the invested investment with interest, the first investment is returned. The home is paid an amount equal to the sum of the investment amount and interest less the compensation for the security deposit, and the second investor is paid. If the investment is not returned by the maturity date, the second investment Collecting security deposits from homes and paying the first investor can provide the entity with new ways to raise funds and offer investors new investment products Some like, an excellent effect.
[Brief description of the drawings]
FIG. 1 is an explanatory diagram conceptually showing a configuration of an investment system of the present invention.
FIG. 2 is an explanatory diagram conceptually showing a situation at the time of contract conclusion in the investment method of the present invention.
FIG. 3 is an explanatory diagram conceptually showing a situation after an expiration date in the investment method of the present invention.
FIG. 4 is a block diagram showing a configuration of an investment system of the present invention.
FIG. 5 is an explanatory diagram conceptually showing recorded contents of an investment target database provided in the central device of the present invention.
FIG. 6 is an explanatory diagram conceptually showing recorded contents of an investment object database provided in the central device of the present invention.
FIG. 7 is an explanatory diagram conceptually showing recorded contents of an investment database provided in the central device of the present invention.
FIG. 8 is an explanatory diagram conceptually showing recorded contents of a guarantee database provided in the central device of the present invention.
FIG. 9 is an explanatory diagram conceptually showing recorded contents of an authentication database provided in the central device of the present invention.
FIG. 10 is a flowchart showing investment application processing of a central device and a third terminal device used in the investment system of the present invention.
FIG. 11 is an explanatory diagram showing an image output from a third terminal device used in the investment system of the present invention.
FIG. 12 is a flowchart showing investment processing of a central device and a first terminal device used in the investment system of the present invention.
FIG. 13 is an explanatory diagram showing an image output from a first terminal device used in the investment system of the present invention.
FIG. 14 is an explanatory diagram showing an image output from a first terminal device used in the investment system of the present invention.
FIG. 15 is an explanatory diagram showing an image output from a first terminal device used in the investment system of the present invention.
FIG. 16 is an explanatory diagram showing an image output from a first terminal device used in the investment system of the present invention.
FIG. 17 is an explanatory diagram showing an image output from a first terminal device used in the investment system of the present invention.
FIG. 18 is an explanatory diagram showing an image output from a first terminal device used in the investment system of the present invention.
FIG. 19 is an explanatory diagram showing an image output from a first terminal device used in the investment system of the present invention.
FIG. 20 is a flowchart showing a guarantee process of a central device and a second terminal device used in the investment system of the present invention.
FIG. 21 is a flowchart showing a contract process of a central device used in the investment system of the present invention.
FIG. 22 is a flowchart showing a settlement process of a central device used in the investment system of the present invention.
[Explanation of symbols]
10 Central unit
20a first terminal device
20b Second terminal device
20c third terminal device
NW communication network
PG computer program
REC recording medium

Claims (5)

A central device for presenting an investment object whose investment money and interest on the investment money are to be repaid on the maturity date, and an investment method using a plurality of terminal devices communicating with the central device,
The first terminal device is
Transmitting first investment information to the central unit, the first investment information indicating an investment amount for the presented investment object and a guarantee amount for requesting a return guarantee on the investment;
A second terminal device different from the first terminal device is:
Sending second investment information to the central unit indicating a guarantee amount and a remuneration required when the guarantee becomes unnecessary;
The central device comprises:
An investment method characterized by performing a process of establishing a contract for an investment target based on the received first investment information and second investment information. Further, the central device may include:
If the investment and interest are returned,
Performing a process of paying an investment source relating to the first terminal device an amount obtained by subtracting a reward from the sum of investment money and interest;
Performing a process of paying a reward to a guarantor regarding the second terminal device;
If the investment is not returned by the maturity date,
Perform the process of claiming the guarantee amount to the guarantee source,
The investment method according to claim 1, wherein a process of paying a guarantee amount to the investment source is performed. An investment system comprising: a central device that presents an investment object whose investment money and interest on the investment money are to be repaid on the maturity date;
The first terminal device is
Means for receiving input of first investment information indicating the investment amount for the presented investment object and the guarantee amount for requesting a return guarantee on the investment;
Means for transmitting the received first investment information to the central device,
A second terminal device different from the first terminal device is:
Means for receiving input of second investment information indicating a guarantee amount and a remuneration required when the guarantee becomes unnecessary;
Means for transmitting the received second investment information to the central device,
The central device comprises:
An investment system, comprising: means for executing processing for establishing a contract for an investment target based on the received first investment information and second investment information. A central unit comprising means for communicating with a plurality of terminal devices, presenting the investment and the investment object in which interest on the investment is to be repaid on maturity;
Means for receiving, from the first terminal device, first investment information indicating an investment amount for the presented investment object and a guarantee amount for requesting a refund guarantee for the investment;
Means for receiving, from a second terminal device different from the first terminal device, second investment information indicating a guarantee amount and a reward required when the guarantee becomes unnecessary;
A central unit for performing processing for establishing a contract regarding an investment target based on the received first investment information and second investment information. A computer program for causing a computer comprising means for communicating with a plurality of terminal devices to present an investment object and an investment object whose interest on the investment money is to be repaid on the maturity date,
The computer receives, from the first terminal device, first investment information indicating an investment amount for the presented investment object and a guarantee amount for requesting a return guarantee on the investment, and a second investment information different from the first terminal device. When receiving, from the terminal device, the second investment information indicating the guarantee amount and the remuneration requested when the guarantee is no longer required, the contract regarding the investment target is made based on the received first investment information and second investment information. A computer program for causing a computer to execute a procedure for performing a process for establishing the program.

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