JP2017224129A - Information processing system, information processing method, and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To establish a financial type cloud funding technology capable of raising investments widely by bringing about interest of investors in excellent operations.SOLUTION: An information processing system includes a cloud server and a point operation server. In the cloud server, money collection means receives an investment from each user through a network. Point distribution means distributes points to the user according to the amount of money payment. Trading order matching means receives a trading order between users, and transfers the points between the users if the price of the trading order is agreed. In the point operation server, money payment reception means receives the money payment from the cloud server. Operation means manages the operation of the money payment. Point issuing means issues points in accordance with the amount of the money payment and the amount of a return of the operation, and causes the point distribution means to distribute the points to the user.SELECTED DRAWING: Figure 4

Description

  The present invention relates to crowdfunding technology.

  Conventionally, an investment system that can promote investment from a general consumer to a company or an individual via the Internet has been proposed (Patent Document 1).

JP 2003-044730 A

However, in the technique described in Patent Document 1, it is not easy to obtain a large amount of operating funds because it is used for return to investors without operating a part of the total investment amount.
In addition, because returns are determined regardless of the investment results, even an excellent investment could not attract investors' interest.
In addition, until now, the investment-type cloud funding has not been able to make money freely.

  The present invention has been made in view of such a situation, and by linking the return to the investor with the operation result, the investor's interest in superior management can be raised and a broad investment can be solicited. The goal is to establish a highly fundable financial crowdfunding technology.

In order to achieve the above object, an information processing system according to one embodiment of the present invention includes:
An information processing system including a cloud server and a point operation server,
The cloud server
A means of collecting money to receive investment from each user via the network;
Point distribution means for distributing points to the user according to the amount of the deposit;
When a purchase order between users is received and the price of the purchase order matches, a purchase order matching means for moving the point between the users,
With
The point operation server is
Deposit acceptance means for accepting deposit from the cloud server;
Operation means for managing the operation of the deposit;
Point issuance means for issuing points according to the amount of the deposit and the amount of return of the operation, and distributing the points to the user by the point distribution means;
Is provided.

  An information processing method and program of one embodiment of the present invention are a method and program corresponding to the above-described information processing system of one embodiment of the present invention.

  According to the present invention, it is possible to establish a highly fundable financial crowdfunding technology that attracts investors' interest in superior management and can solicit funds widely.

It is a system configuration figure showing the composition of the information processing system concerning the present invention. It is a conceptual diagram which shows the outline of the crowdfunding which concerns on this invention. It is a block diagram which shows the structure of the hardware of the cloud server which concerns on one Embodiment of this invention. It is a functional block diagram which shows the functional structure of the information processing system which concerns on this invention.

  Hereinafter, embodiments of the present invention will be described with reference to the drawings.

FIG. 1 is a system configuration diagram showing a configuration of an information processing system according to the present invention.
As shown in FIG. 1, the information processing system is configured by connecting a cloud server 1, a point operation server 2, and investor terminals 3-1 to 3-n to each other via a network N. ing.

This information processing system is applied by an asset management LLP (limited liability business association), which is an operation manager, to realize the crowdfunding service of FIG. 2 described later.
Here, the user who is an investor may designate and invest in the asset management LLP by investing in a predetermined management target.

Further, the asset management LLP invests or lends the investment invested by the user to each operation target designated by the user.
Furthermore, when it becomes a target of investment, the business operator invests the loaned funds or investment in the business that it operates.

Assume that the provider of this service is an asset management LLP and manages the cloud server 1.
The management here includes not only management directly by the asset management LLP itself but also management indirectly such as entrusting management to another person such as a server operating company.

In the present embodiment, it is assumed that each of n users (n is an arbitrary integer value of 1 or more) of investors uses each of the investor terminals 3-1 to 3-n.
However, hereinafter, when it is not necessary to individually distinguish the investor terminals 3-1 to 3-n, these are collectively referred to simply as “investor terminals 3”.

FIG. 2 is a conceptual diagram showing an outline of crowdfunding according to the present invention.
LLP is an asset management LLP (limited liability business association) that is a provider of a crowdfunding service according to the present invention.

“Asset management LLP” here refers to lending or investing in one or more businesses or financial products (hereinafter referred to as “business etc.” as appropriate) and distributing the return generated by the lending or investment to the users. Refers to the person.
CF is a crowdfunding service operated by the asset management LLP.

The IA to IC are small investors participating in the crowdfunding service, in particular, individual investors (hereinafter simply referred to as “users”).
The purpose of crowdfunding is to recruit users who want to invest in the same company, etc. widely in the cloud when each user cannot invest directly in a specific company because the investment is small. By making the investment amount into one, it is possible to make a large investment and realize the investment.

PL is a point management company that receives cash and issues points at a predetermined exchange rate.
Further, the point management company PL operates with the received cash and issues more points according to the operating profit.

An RE is an operation target and is a business that cannot be invested in a small amount.
Here, “business operators” refers to business operators that operate a specific business and those related to financial products.

For example, a real estate company that operates a real estate business, an SPC (Special Purpose Company), a business that operates a restaurant business, or a venture company.
“Business” here refers to the real estate business and restaurant business, and “financial products” refers to capital contributions of SPCs holding real estate or real estate trust beneficiary rights and private shares of venture companies.

The crowdfunding in the present embodiment is a financial crowdfunding in which the return is linked to the investment profit. If the investment method is excellent, it can be expected that the investor will have a high return on the risk.
For this reason, in this embodiment, if an excellent management method can be presented to investors, it is highly probable that the business will be able to receive investment, and profitability will be increased if the investment demand in the market exceeds the supply. Since investment is made in the order of higher investment, it is expected to improve the investment economic efficiency of the entire market.

Note that the point management company PL and the asset management LLP may be the same. In addition, the point management company PL and the business operator may coincide.
In the following, in order to facilitate understanding of the present invention, the real estate business will be described as an example of the main investment object, but it goes without saying that the investment object is not limited to the real estate business as described above.

FIG. 3 is a block diagram showing a hardware configuration of the cloud server according to the embodiment of the present invention.
The cloud server 1 includes a CPU (Central Processing Unit) 11, a ROM (Read Only Memory) 12, a RAM (Random Access Memory) 13, a bus 14, an input / output interface 15, an output unit 16, and an input unit 17. A storage unit 18, a communication unit 19, and a drive 20.

The CPU 11 executes various processes according to a program recorded in the ROM 12 or a program loaded from the storage unit 18 to the RAM 13.
The RAM 13 appropriately stores data necessary for the CPU 11 to execute various processes.

The CPU 11, ROM 12, and RAM 13 are connected to each other via a bus 14. An input / output interface 15 is also connected to the bus 14. An output unit 16, an input unit 17, a storage unit 18, a communication unit 19, and a drive 20 are connected to the input / output interface 15.
The output unit 16 includes a display, a speaker, and the like, and outputs images and sounds.

The input unit 17 includes various buttons and the like, and inputs various types of information according to user instruction operations.
The storage unit 18 is composed of a hard disk, a DRAM (Dynamic Random Access Memory), or the like, and stores various image data.

The communication unit 19 controls communication with other devices (not shown) via a network including the Internet.
A removable medium 21 made of a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is appropriately attached to the drive 20. The program read from the removable medium 21 by the drive 20 is installed in the storage unit 18 as necessary. The removable medium 21 can also store various data such as image data stored in the storage unit 18 in the same manner as the storage unit 18.

Since the point operation server 2 has the same configuration as that of the cloud server 1 described above, description of the configuration is omitted.
In the following, when the hardware configurations of the cloud server 1 and the point operation server 2 are distinguished, the cloud server 1 is appended with “−1” and the point operation server 2 is denoted with “−2” after the reference numerals. A description will be given.

FIG. 4 is a functional block diagram showing a functional configuration of the information processing system according to the present invention.
As shown in FIG. 4, in the processing on the cloud server 1, the CPU 11-1 functions as a collection unit 30, a point distribution unit 31, and a trade order matching unit 32.

Further, the investment status DB 33 is set in one area of the storage unit 18-1.
The investment status DB 33 stores information necessary for specifying the actual status of the investment status for each user.

The collection unit 30 receives investment content data from the investor terminal 3 of each user who wishes to invest.
In addition, the collection unit 30 performs a process of receiving funds from each user.

Further, the collection unit 30 stores the investment content data of each user who has received the investment in the investment status DB 33 and performs processing to remit the received investment to an account managed by the point management company.
Further, the money collection unit 30 transmits information such as the amount of money transferred to the point operation server 2.

The point distribution unit 31 performs processing for distributing the points issued by the point operation server 2 to each user based on the investment content data stored in the investment status DB 33.
Further, the point distribution unit 31 stores the points distributed to each user in the investment status DB 33.

The trade order matching unit 32 receives trade order data from the investor terminal 3 of each user who wants to buy or sell points.
The trade order matching unit 32 performs matching between the sell order and the buy order for the trade order.

As a result of matching, the buying and selling order matching unit 32 performs deposit / withdrawal processing on the account of the user, updates the investment status DB 33, and moves the points between the users. It is also possible that the point management company may intervene in the movement of points by simultaneously performing the point exchange and new issue.
In addition, the point management company may become a point buyer directly and cash in accordance with the selling order of each user.
Thereby, the cash exchange rate of each user's point is influenced by the supply-and-demand situation between each investor, and is determined based on a market principle.
By doing so, it is possible to increase the attractiveness of investors to investors.

  As shown in FIG. 4, in the processing on the point operation server 2 side, a deposit acceptance unit 40, a point issue unit 41, and an operation unit 42 function in the CPU 11-2.

A point management DB 43 and an operation management DB 44 are set in one area of the storage unit 18-2.
The point management DB 43 stores information necessary for specifying the actual situation of the point issuance status.
The operation management DB 44 stores information necessary for specifying the actual state of operation.

The deposit acceptance unit 40 accepts information such as the amount received from the asset management LLP from the cloud server 1 via the communication unit 19-1 and the communication unit 19-2.
The deposit acceptance unit 40 causes the point issuing unit 41 to issue points according to the received amount based on a predetermined conversion rate.
The deposit acceptance unit 40 causes the operation unit 42 to start operating the received amount.

The point issuing unit 41 issues points based on instructions from the deposit receiving unit 40 or the operation unit 42.
In addition, the point issuing unit 41 stores information on the issued points in the point management DB 43 for management.
Furthermore, the point issuing unit 41 transmits the issued point information to the cloud server 1 via the communication unit 19-2.

The operation unit 42 performs a process for operating the funds transferred to the account managed by the point management company.
The operation unit 42 manages operations by sequentially reflecting the operation status in the operation management DB 44.
Further, the operating unit 42 causes the point issuing unit 41 to issue points according to the operating profit.

As mentioned above, although several embodiment of this invention was described, these embodiment is only an illustration and does not limit the technical scope of this invention.
The present invention can take other various embodiments, and various modifications such as omission and replacement can be made without departing from the gist of the present invention.

These embodiments and modifications thereof are included in the scope and gist of the invention described in this specification and the like, and are included in the invention described in the claims and the equivalent scope thereof.
For example, each of the investor terminals 3 may perform identity verification by face authentication or fingerprint authentication as security in cooperation with the cloud server 1.
You may also introduce blockchain technology to prevent fraud.

1 Cloud server 2 Point operation server 3-1 to 3-n Investor terminal N Network

Claims (3)

An information processing system including a cloud server and a point operation server,
The cloud server
A means of collecting money to receive investment from each user via the network;
Point distribution means for distributing points to the respective users according to the amount of the deposit;
When a purchase order between users is received and the price of the purchase order matches, a purchase order matching means for moving the point between the users,
With
The point operation server is
Deposit acceptance means for accepting deposit from the cloud server;
Operation means for managing the operation of the deposit;
Point issuance means for issuing points according to the amount of the deposit and the amount of return of the operation, and distributing the points to the user by the point distribution means;
An information processing system comprising: An information processing method executed by a cloud server and a point operation server,
The cloud server is
A collection step of accepting investment from each user via the network;
The point operation server is
A deposit acceptance step for accepting deposit from the cloud server;
An operation step for managing the operation of the deposit;
A point issuing step for issuing points according to the amount of the deposit and the amount of return of the operation;
The cloud server is
A point distribution step of distributing points to the user according to the amount of the deposit;
A trading order matching step of accepting a trading order between users and moving the point between the users when the price of the trading order matches,
An information processing method comprising: In the cloud server,
A collection step of accepting investment from each user via the network;
A point distribution step of distributing points to the respective users according to the amount of the deposit;
A trading order matching step of accepting a trading order between users and moving the point between the users when the price of the trading order matches,
Information processing including
On the point operation server,
A deposit acceptance step for accepting deposit from the cloud server;
An operation step for managing the operation of the deposit;
A point issuing step for issuing points according to the amount of the deposit and the amount of return of the operation;
A program that executes information processing including

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