JP2005084994A - Asset management system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an asset management system that enables even individuals to have high dividends relatively safely. <P>SOLUTION: A system 10 includes an enterprise server 12 that conducts the business of lending funds from investors to an operator who leases real estate, correcting interest, and distributing dividends to the investors; the investors' PCs 16 connected to the server 12 via the Internet 20; the operator's server 14 connected to the server 12; and a bank computer 18. The server 12 includes a means for disclosing investor recruitment information on a Web site; a means for sending an application form to each PC 16 to request the input of necessary information; a means for storing the necessary information in an investment ledger DB40 for temporary registration; a means for registering subscribers as investors when payment completion information is sent from the computer 18; a means for registering performance information sent from the server 14; a means for calculating dividends to each investor on the basis of the performance information; and a means for remitting the dividends to each investor's bank account via the computer 18. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to an asset management system, and in particular, recruits investors based on the anonymous association contract of the Commercial Code on the Internet website, and manages the funds collected from an unspecified number of investors to the management company that operates the real estate leasing business The present invention relates to an asset management system having a mechanism for lending and calculating dividends of each investor based on the operation result information transmitted from the server of the operating company, and transferring this to the bank account of each investor.

Under the ultra-low interest rate policy after the collapse of the bubble economy, ordinary individuals are eager for asset management alternatives to bank deposits, but it is difficult to balance profitability and stability, and this has not found an investment method is the current situation.
For example, expertise, experience, and ability to collect information are indispensable for securing large profits from stock investment and real estate investment, and there is a high risk of serious burns if ordinary individuals take a detour.
On the other hand, in the case of investment trusts, specialized traders are in charge of management, so ordinary individuals can easily invest, but the overall Japanese economy has been sluggish for a long time. I can not expect.

  The present invention has been made to solve the above-described conventional problems related to asset management, and is capable of obtaining a relatively high and high dividend even for a general individual who lacks expertise and experience. The purpose is to provide a system.

  In order to achieve the above object, the asset management system according to claim 1 collects interest collected by lending funds collected from a plurality of investors based on an anonymous partnership contract to an operator who operates a real estate leasing business, The server of the business operator who conducts the business of distributing the remainder after deducting necessary expenses and remuneration from the interest as dividends to the investor, and the client terminal of the investor or investment applicant connected to the business operator server via the Internet An asset management system comprising: an operator server connected to the sales server via a communication network; and a bank computer connected to the sales server via a communication network. The server of the sender sends information for soliciting investors on the Internet website and information indicating the application for investment from the client terminal. If the necessary information is transmitted from the client terminal, the application form is transmitted to the client terminal and stored in the investment ledger database. Means for temporarily registering the applicant, and means for registering the investment applicant as an investor in the investment ledger database when information indicating that the deposit of the investment has been completed is transmitted from the bank computer; Means for registering the operation result information transmitted from the server of the operator in the operation result database, means for periodically calculating a dividend for each investor by referring to the operation result information, and the dividend information; Sending dividends to each investor's bank account via means of registering in the above investment ledger database in association with each investor and the above bank computer It is characterized in that a means.

  Further, the asset management system described in claim 2 is based on the system of claim 1, and further, the business server generates an e-mail attached with an electronic file of the contract, and the e-mail of the investment applicant It is characterized by having means for transmitting to an address.

  Furthermore, the asset management system according to claim 3 is based on the system according to claim 1 or 2, and further, when the sales server sends a request for disclosure of operation performance information from the client terminal of the investor. , And a means for extracting necessary information from the operation result database and transmitting it to the client terminal.

In the asset management system according to the present invention, instead of directly investing funds collected from investors as described above in real estate, it lends to the operator who operates the real estate leasing business and collects interest. The system is to distribute the remainder after deducting necessary expenses and operator's compensation to each investor, so that it provides ideal investment targets for general individuals and corporations that combine the high profitability of real estate investment and the stability of the funding business. It becomes possible to do.
In addition, since the recruitment of investors is carried out on the Internet website, investors can apply quickly and easily.

FIG. 1 is a conceptual diagram showing the overall configuration of an asset management system 10 according to the present invention. A server 12 of a business operator, a server 14 of an operator, a client PC 16 of an investor, and a host computer 18 of a specific bank It has.
A network connection is established between the client PC 16 of the investor and the sales server 12 via the Internet 20.
Further, the sales server 12 and the operator server 14 and the sales server 12 and the host computer of the specific bank are network-connected via a communication network such as a dedicated line or the Internet 20.

The above-mentioned business operator means a company that operates a business that lends funds collected from general investors (individuals or corporations) to an operator based on an anonymous association contract under Article 535 of the Commercial Code. This asset management system 10 is constructed and maintained by a business operator.
The above operator prepares real estate rental properties such as rental apartments and apartments based on the money borrowed from the business operators based on the monetary consumption loan contract (Civil Code Article 587) and lends them to general residents This means a company that operates a business that earns rent income.
The above specific bank refers to a bank in which an operator, an operator and all investors have a common account. As described above, since all players in the asset management system 10 have accounts in the same bank, it is possible to minimize remittance fees and the like.

  As shown in FIG. 2, in the asset management system 10, a part of the rent income paid from the resident to the operator is returned to the operator in the form of interest, and a part of the rent income is paid to the investor. It is based on the premise of a mechanism distributed to

FIG. 3 is a block diagram showing the functional configuration of the asset management system 10. The business server 12 includes an investment acceptance processing unit 30, a remittance processing unit 32, an operation information registration unit 34, and a report processing unit 36. A dividend calculation unit 38, an investment ledger database 40, and an operation result database 42.
Among these, the investment acceptance processing unit 30, the remittance processing unit 32, the operation information registration unit 34, the report processing unit 36, and the dividend calculation unit 38 are required according to the application program and OS dedicated to the CPU of the sales server 12. This is realized by executing various processes.
The investment ledger database 40 and the operation record database 42 are stored in the hard disk of the server 12.

Hereinafter, the usage procedure of the asset management system 10 will be described with reference to the flowchart of FIG.
First, the business operator opens a website for recruiting investors on the server 12, discloses information about the structure and purpose of the asset management system 10, and prompts applications from general investors (S10).
On the other hand, when a general individual accesses the website via the client PC 16 and clicks the “Application for investment” button displayed on the service menu, the investment acceptance processing unit 30 of the business server 12 sends the client PC 16 The application form is sent (S12) and displayed on the browser.

Although not shown, this form has input fields for describing the name of the investor, e-mail address, address, telephone number, gender, date of birth, occupation, number of applications, amount of money, and the like.
On the other hand, when the investment applicant inputs necessary items and clicks the “Send” button, the input data is transmitted to the sales server 12.
Upon receipt of this, the investment acceptance processing unit 30 of the business server 12 (S14), after checking that there are no omissions in the required information and that the investment applicant is over 20 years old (S16), The attribute information of the investment applicant is provisionally registered in the investment ledger database (S18).

Next, the report processing unit 36 starts up, generates an e-mail attached with electronic files of necessary documents (contract, prospectus, guidebook, etc.), and sends it to the tentatively registered investment applicant's e-mail address (S20).
The investment applicant who has received this e-mail first prints out the attached contracts (two copies), prospectus, guidebook, etc. and carefully reads them, and understands the system 10's mechanism and risks.
Next, the investment applicant signs and seals two contracts, writes his / her bank account at a specific bank, and mails it to the business operator. At this time, the investment applicant is obliged to enclose identification documents (for example, a copy of a driver's license, a copy of a passport, etc.) that can verify age.

The business person who has received the two contracts and the document for identity verification confirms that there are no problems in the contents, mails one copy to the investment applicant after completing their own seal on each contract. At this time, a transfer request form requesting transfer of funds to the account of the business operator at the specific bank is enclosed by a predetermined date.
The other one of the contracts is kept as a copy on the side of the business.
At this time, the staff of the sales person inputs information indicating the fact of the conclusion of the contract into the system 10 through the input terminal 44. The contract conclusion information is registered in the investment ledger database 40 via the investment acceptance processing unit 30 (S22).

The investment applicant who has received the above contract (1 copy) and the funds transfer request form transfers the funds to the bank account of the business operator by a predetermined date.
When the payment confirmation information is transmitted online from the host computer 18 of the specific bank (S24), the investment acceptance processing unit 30 sets a flag indicating that the contract is established in the investment ledger database 40 (S26).
Receiving this, the report processing unit 36 generates an e-mail notifying the establishment of the contract, and transmits it to the investor (S28).

As described above, it is possible to reduce the operation cost by making the contact from the sales person to the investment applicant mainly by e-mail, but the system 10 is not limited to this.
In other words, it is naturally possible to print out a contract, prospectus, etc. on the side of the business and mail it to the applicant for investment.

From the operator server 14, various information relating to the operation results of the real estate leasing business is sequentially transmitted to the operator server 12 online. These pieces of information include information on the amount of rent collected from the tenant and information on the amount of interest that is the share of the business operator.
On the other hand, the operation information registration unit 34 of the business server 12 stores these pieces of information in the operation result database 42 (S30).
In addition, the remittance processing of the above interest amount is executed from the bank account of the operator to the bank account of the operator by the online banking system of the specific bank.

Next, the dividend calculation unit 38 is periodically started (for example, once a year), and registration information (interest amount, etc.) in the operation results database 42 and registration information (number, investment amount, etc.) in the investment ledger database 40 are displayed. To calculate the dividend for each investor (S32).
For example, the operator's remuneration and necessary expenses are subtracted from the amount of interest transferred from the operator to the operator, and the dividend per unit is derived by dividing the remaining amount by the number of units.
The calculation result by the dividend calculation unit 38 is registered in the investment ledger database 40 in association with each investor (S34).
Receiving this, the report processing unit 36 generates an e-mail for notifying the transfer of the dividend and transmits it to each investor (S36).
At the same time, transfer request information is transmitted from the remittance processing unit 32 to the online banking system of the specific bank, and dividend transfer processing for each investor's account is executed (S38).

  In this asset management system 10, the funds collected from general investors are not invested in the real estate itself, but are loaned to the operating company that operates the real estate leasing business and dividends are paid from the interest income. Therefore, it can be said to be an ideal asset management system that has both high profitability of real estate investment and high stability of funding business.

Each stakeholder requests the disclosure of operational performance information sent from the operating company by accessing the business website via the Internet 20 and selecting “View operational performance” from the service menu. Can do.
Upon receiving this, the report processing unit 36 extracts necessary information from the operation result database 42 and transmits it to the client PC 16 of the investor.
In addition, the report processing unit 36 generates a business report file with reference to the operation result database 42 every fiscal year, and transmits the business report file attached to an e-mail addressed to each investor.
By checking the operation result information and the business report, each investor can monitor whether the system 10 is operated fairly.
In addition, it is desirable to have a system in which an audit corporation or accounting firm regularly conducts external audits related to the operation of the system 10 and publishes the audit reports on the business website.

After the expiration of the anonymous partnership contract period, the host computer 18 of the specific bank executes the redemption process of the investment for each investor.
It is also possible for the investor to cancel the contract by submitting a cancellation application form after a predetermined period of time, in which case the host computer 18 of the specified bank will perform the remittance processing for the account of the investor. Executed.

It is a conceptual diagram which shows the whole structure of an asset management system. It is explanatory drawing which shows the relationship between each player in this system. It is a block diagram which shows the function structure of this system. It is a flowchart which shows the utilization procedure of this system.

Explanation of symbols

10 Asset management system
12 Sales server
14 Operator server
16 Client PC
18 Host computer of a specific bank
20 Internet
30 Investment reception processing department
32 Remittance processing department
34 Operation Information Registration Department
36 Report Processing Department
38 Dividend calculator
40 Investment Ledger Database
42 Operation results database
44 Input terminal

Claims (3)

Lending funds collected from multiple investors based on an anonymous partnership agreement to the operator who operates the real estate leasing business, collecting interest, and distributing the remainder after deducting necessary expenses and compensation from the interest as dividends A server of a business operator who conducts business,
A client terminal of an investor or an investment applicant connected to the business server via the Internet;
An operator's server connected to the above sales server via a communication network;
An asset management system comprising a bank computer connected via a communication network with the above-mentioned business server,
The above-mentioned business server is a means for publishing information for recruiting investors on the Internet website,
When information indicating an application for investment is transmitted from the client terminal, a means for transmitting an application form to the client terminal and requesting input of necessary information;
When necessary information is transmitted from the client terminal, this is stored in the investment ledger database, and means for temporarily registering the investment applicant,
Means for registering the investment applicant as an investor in the investment ledger database when information indicating that the deposit of funds has been completed is transmitted from the bank computer;
Means for registering the operation result information transmitted from the server of the operator in the operation result database;
Means for periodically calculating dividends to each investor by referring to the above-mentioned investment performance information;
Means for associating the dividend information with each investor and registering it in the investment ledger database;
An asset management system comprising: means for transferring dividends to the bank account of each investor via the bank computer.   2. The asset management system according to claim 1, wherein the business server includes means for generating an e-mail attached with an electronic file of a contract and sending it to the e-mail address of the investment applicant. . The business server includes means for extracting necessary information from the operation performance database and transmitting it to the client terminal when a request for disclosure of operation performance information is transmitted from the client terminal of the investor. The asset management system according to claim 1 or 2, characterized in that

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